Professional Documents
Culture Documents
Menu Planning
Trainee:______________________
Table of Contents
Section 1..................................................................................................................................1-1
Components of a Healthy Balanced Menu.................................................................................1-1
1.1. Nutrients.............................................................................................................................................1-1
1.2. Six Classes of Nutrients and their characteristics:.........................................................................1-2
1.2.1. Carbohydrates............................................................................................................ 1-2
1.2.2. Lipids (fats)................................................................................................................. 1-2
1.2.3. Proteins...................................................................................................................... 1-2
1.2.4. Vitamins and Minerals................................................................................................1-3
1.2.5. Water.......................................................................................................................... 1-3
1.3. THE BALANCED DIET...................................................................................................................1-3
1.4. CALORIES........................................................................................................................................1-4
1.5. Measurements Conversion Chart....................................................................................................1-5
1.5.1. US Dry Volume Conversion........................................................................................1-5
1.5.2. US Liquid Volume Measurements..............................................................................1-5
1.5.3. US to Metric Conversions...........................................................................................1-5
1.5.4. Metric to US Conversion.............................................................................................1-6
1.5.5. Pan Size Equivalents.................................................................................................1-6
1.5.6. Oven Temperature Conversions................................................................................1-7
1.5.7. Ratios for Selected Foods.......................................................................................... 1-7
1.6. Calorie Conversion Table.................................................................................................................1-8
1.7. Vegetable Nutrition Facts.................................................................................................................1-9
1.8. Fruit Nutrition Facts.......................................................................................................................1-10
1.9. Beef & Veal Nutrition Facts...........................................................................................................1-11
1.10. Pork & Lamb Nutrition Facts......................................................................................................1-12
1.11. Chicken & Turkey Nutrition Facts..............................................................................................1-13
1.12. Sea Food Nutrition Facts..............................................................................................................1-14
Section 2..................................................................................................................................2-1
Prepare a Calendar Menu...........................................................................................................2-1
2.1. Menu Definition.................................................................................................................................2-1
2.2. Menu Planning...................................................................................................................................2-1
2.2.1. Crew Profile................................................................................................................ 2-2
2.2.2. Cost and Budget......................................................................................................... 2-2
2.2.3. Service Time.............................................................................................................. 2-2
2.2.4. Provision..................................................................................................................... 2-2
2.2.5. Catering Personnel and Equipment............................................................................2-2
2.2.6. Balance...................................................................................................................... 2-2
2.3. Six (6) Different Types of Menu.......................................................................................................2-3
2.3.1. A’la carte Menu.......................................................................................................... 2-3
2.3.2. Table d’hote................................................................................................................ 2-3
2.3.3. Selective Menu........................................................................................................... 2-4
2.3.4. Static Menu................................................................................................................ 2-4
2.3.5. Cyclic Menu................................................................................................................ 2-4
2.3.6. Market Menu or Market Oriented Menu......................................................................2-5
2.4. Food Allergens and Intolerances......................................................................................................2-6
2.4.1. Allergy Symptoms...................................................................................................... 2-6
2.5. Common Food Allergens...................................................................................................................2-6
2.6. Preventing Allergic Reactions..........................................................................................................2-7
2.6.1. Service....................................................................................................................... 2-7
2.6.2. Describing Dishes...................................................................................................... 2-7
2.6.3. Identifying Ingredients................................................................................................ 2-7
2.6.4. Suggesting Items........................................................................................................ 2-7
2.6.5. Delivering Food.......................................................................................................... 2-7
2.6.6. Catering Personnel..................................................................................................... 2-7
Section 3..................................................................................................................................3-1
Victualling.....................................................................................................................................3-1
3.1. Law......................................................................................................................................................3-1
3.1.1. Regulation 3.2 – Food and catering...........................................................................3-1
3.1.1.1. Standard A3.2 – Food and catering....................................................................3-1
3.1.1.2. Guideline B3.2 – Food and catering...................................................................3-2
3.1.1.3. Guideline B3.2.1 – Inspection, education, research and publication..................3-2
3.1.1.4. Guideline B3.2.2 – Ships' cooks.........................................................................3-3
3.1.2. Budget........................................................................................................................ 3-3
3.1.3. Exchange Rate........................................................................................................... 3-3
3.2. Victualling Calculations....................................................................................................................3-4
3.2.1. Definitions................................................................................................................... 3-4
3.3. Inventory............................................................................................................................................3-4
3.4. Calculation and Conversion.............................................................................................................3-5
3.5. Recipe..................................................................................................................................................3-5
3.5.1. Standardized Recipes................................................................................................ 3-5
3.5.2. Recipe and Calculations and Conversion...................................................................3-6
3.5.3. Measuring Ingredients Accurately..............................................................................3-6
3.6. Butcher Chart....................................................................................................................................3-7
Section 4..................................................................................................................................4-1
Request Provisions.......................................................................................................................4-1
4.1.1. General requirements for Provision Administration....................................................4-1
4.2. Feeding Rate........................................................................................................................................4-1
Section 1
1.1. Nutrients
Nutrients are components of food that helps satisfy the needs of a person in order to function
properly. These needs would include energy, building and replacement of cells that composes
the body tissues and regulation of body processes.
1.2.1. Carbohydrates
Breads, cereals, pastas, rice, and grains
A large class of nutrients including sugar,
starches, and fibres that are the body’s
primary source of energy.
Calorie is a unit of measure of energy. Calorie is used to measure how much energy foods
supply to the body. Below is a sample chart of how weight, activity and calorie intake are
related:
Estimated Calorie Needs per Day by Age, Gender, and Physical Activity Level
MEASURE EQUIVALENT
MEASURE EQUIVALENT
MEASURE EQUIVALENT
1 ml (ml stands for milliliter, one thousandth of
1/5 teaspoon
a liter)
1 teaspoon 5 ml
1 tablespoon 15 ml
1 fluid oz. 30 ml
1/5 cup 50 ml
1 cup 240 ml
1 oz. 28 grams
MEASURE EQUIVALENT
MEASURE EQUIVALENT
MEASURE EQUIVALENT
Butter
1 T. 14 grams 1 Tablespoon
½ cup
1 stick 4 ounces= 113 grams 8 tablespoons
4 sticks 16 ounces= 452 grams 32 tablespoons 2 cups
Lemon
1 to 3 tablespoons juice,
1 lemon 1 to 1½ teaspoons
grated zest
4 large lemons 1 cup juice ¼ cup grated zest
Chocolate
Cream
Grains 4 oz 5 oz 5 oz 6 oz 6 oz
Oils 17 g 17 g 22 g 24 g 27 g
Grains 7 oz 8 oz 9 oz 10 oz 10 oz
Oils 29 g 31 g 34 g 36 g 44 g
Menus are used in the messhall to give both officers and crewmess important information about
what food offers. Recipes give detailed instructions to aid chef/cook in producing menu items.
But more than that, carefully designed menus and comprehensive recipes can help the
professional chef/cook streamline galley operations and control costs.
A menu is a powerful tool. It is a merchandising vehicle. It can assist the chef/cook in
organizing the day’s work, provision planning, reducing waste, and increasing savings. The
way a menu is developed or adapted, as well as the what type of menu are established, are
reflections of how well the operation’s concept or business plan has been defined. Sometimes
the menu evolves as the management plan is refined. In other scenarios, the concept comes
first, and the menu comes later. In still other, the menu may be the guiding principle that gives
a stamp to the way the restaurant concept evolves.
The preparation of certain garnishes, side dishes, sauces, or marinades may be organized so
that all components of a recipe are prepared by the chef/cook for that station.
Barbeque Party and Festive Holiday Meals menus call for certain types of advance work to help
the chef/cook adjust to the workflow. Even if a written menu is not provided to the
officers/crew, some form of menu list in the galley is essential to the galley’s smooth operation.
Consult the officers/crewmess to determine which recipe might be included on special meal
arrangement and read the recipes for those items (roasted, grilling, broiling and baking)
carefully so that you understand all the tasks that must be performed in advance of service, as
well as the time of serving the food. In this way, messhall service should proceed without
difficulty.
A menu is a list of prepared dishes of food made available to a client and by its content and
presentation must attract the client and represent value for money. Menu planning is one of the
functions required before assembling the food materials to produce quality meals. Preparing
an excellent menu is perhaps one of the greatest challenges of chef/cook as it may spell the
difference between a mediocre service and an exceptional one. Having a well-planned menu
is, therefore, an aspect which must be carefully thought of.
The chef/cook should provide the crewmess with menus they want and not what the chef/cook
thinks the customers want. It is even better to offer fewer dishes of good standard rather than
having a wide choice of dishes of poor quality. Moreover, the chef/cook should always update
himself of the recent trends in food. Food changes over the years and some crewmess tend to
look for new dishes, different combinations of food and fresh ideas on the menu.
The menu arises from the consideration of several factors. Among the most important factors
to consider are the following:
2.2.1. Crew Profile
The menu must satisfy the individual needs of crew. It must meet, balanced
menu prepared based on religious and cultural aspects, components of
nutritionally balanced diet foods and food allergens and intolerances;
The cost and budget of the menu should be within the customer’s
expectations and budget for daily consumption;
The menu should consider the nature of the food being served during specific
meal periods. This should be appropriate not only in amount and taste but
also in the speed of preparation and service;
2.2.4. Provision
It is one thing to make a menu the looks good, but it is another thing to
prepare it. The menu is only useful if the staff, kitchen and equipment are
enough to handle it; and
2.2.6. Balance
The balance of a menu refers to the harmony and variety of several food
properties such as texture, colour, flavour, variety, and economics. All of
these must be considered to attain a balance in the items served on the plate,
in the items selected for one meal, and in the items from meal to meal.
When planning a menu, it is essential to always keep the clients’ needs in mind. As different
clients have different needs, it is best to offer a wide selection of dishes ranging from classic to
contemporary items. The client’s age, sex, nutritional needs, food preferences and spending
behaviour are factors that should be carefully considered.
It is equally important to create a menu which will
not only satisfy the officers/crew the first time they
try out the dishes offered but will also entice them to
try out new dishes offers by chef/cook services
again. A basic to remember is that a well-planned
menu satisfies the gastronomic as well as the
economic criteria.
The present-day menu can be one of several types or a combination of one or more of the
different types of menu. The decision to use over the other depends on the goal and type of
establishment that would use it. The terms used may vary from author to author but usually
includes the following types.
Offers a large selection of dishes, which are individually priced. Customers can choose and
combine their own meal from a selection on the “menu card”. The service and preparation
require time and thus customers must wait for their orders. Some a ’la carte menu incorporates
the price of the vegetables and cereals in the main course. However, traditional a ‘la carte has
both dishes separately priced. A ’la carte requires a well-equipped kitchen as well a high
number of well-trained staff. Usually the a ‘la carte menu will also offer one or more specialties.
These are often either inserted on the regular menu as a separate leaflet or written in a
specialty board either at the door or inside the restaurant.
Cyclic menu is one which is “rotated” or repeated in a predetermined pattern. One menu cycle can be
two, three, four weeks long or even more. It is, however, not advisable to plan for too long a menu
cycle. Since we do not have the typical seasons found in western countries adapting a cycle menu
based on summer, winter, autumn and spring is useless. It is advisable to consider that the cycle
should run three or four times within a planning period in order to at least measure its popularity. If
items are popular and non-seasonal, they can be carried over to the next cycle.
MENU LIST
2 Weeks Cycle Menu
Monday Tuesday Wednesday Thursday Friday
Pork Ribs Fried Alumahan Chicken Broth Soup Fried Tilapia Fried Chicken
Nilaga
Steamed Sautéed Bean Salt and Pepper Steamed Pancit Canton
Rice Sprouts Pork Chops Rice
WEEK 1 Papaya Fruit Steamed Rice Ginataang Langka Fresh Fruits Fish Cracker
Watermelon Steamed Rice Beef Broth Steamed Rice
Soup
Beef Broth Soup Ice Cream Stick Outsource
Dessert
Pork Beef Broth Soup Chicken Broth Soup Leek Soup Monggo
Sinigang
Steamed Fried Hasa Barbeque Spareribs Fried Bangus Lechon Kawali
Rice
WEEK 2 Banana Fruit Sautéed Cabbage Carrot and Beans Fried Steamed Rice
Eggplant
Steamed Rice Java Rice Steamed Ice Cream
Rice Stick
Ripe Mango Fruit Pineapple Fruit Melon Fruit
Planning the cyclic menu, should be done carefully. The menu planner should consider the
combination and balance of the individual dishes in the menu. The popularity of dishes and sales
history should be monitored carefully to aid in better forecasting the production needs of the
establishment. Planning the cyclic menu properly is important in order to avoid “menu fatigue”. This
is especially true in a captive market, if the menu is not long enough and rich enough in variety,
customers get tired of the products in the menu. Besides these, the nutritional balance must be
considered especially in a captive market such as industrial and school cafeterias.
A food allergen is a protein in a food or ingredient that some people are sensitive to. These
proteins occur naturally. When enough of an allergen is eaten, an allergic reaction can occur.
There are specific signs that a customer is having an allergic reaction. To protect your
customers, you should be able to recognize these signs and know what to do. You also should
know the types of food that most often cause allergic reactions to help prevent them from
happening.
Depending on the person, an allergic reaction can happen just after the food is eaten or several
hours later. This reaction could include some or all of these symptoms.
Nausea
Wheezing or shortness of breath
Hives or itchy rashes, as shown in the photo at left
Swelling of various parts of the body, including the face, eyes, hands, or feet
Vomiting and/or diarrhea
Abdominal pain
Initially symptoms may be mild, but they can become serious quickly. In severe cases,
anaphylaxis – a severe allergic reaction that can lead to death – may result. Its customer is
having an allergic reaction to food, call the emergency number in your area.
Many food items can cause an allergic reaction. You and your staff must be aware of the most
common food allergens and the menu items that contain them.
Milk
Eggs
Fish
Shellfish, including lobster, shrimp, and crab
Wheat
Soy
Peanuts
Tree nuts, such as almonds, walnuts, and pecans
2.6. Preventing Allergic Reactions
Both service staff and kitchen staff need to do their parts to avoid serving food that can cause
an allergic reaction. Note that these policies would also apply to addressing a food sensitivity
that a customer mention.
2.6.1. Service
Your staff should be able to tell customers about menu items that contain potential allergens.
At minimum, have one person available per shift to answer customers’ questions about menu
items. Then customers say they have a food allergy, your staff should take it seriously. They
must be able to do the following.
tell customers how the item is prepared. Sauces, marinades, and garnishes often contain
allergens. For example, peanut butter is sometimes used as a thickener in sauces or
marinades. This information is critical to a customer with a peanut allergy.
identify any “secret” ingredients. For example, your operation may have a house specialty that
includes allergen. While you may not want to share the recipe with the public, staff must be
able to tell the secret ingredients to a customer who asks.
Suggest simple menu items. Complex items such as casseroles, soups, and some desserts
may contain many ingredients. These can be difficult to fully describe to customers.
Food should be hand-delivered to guest with allergies. Delivering food separately from the
other food delivered to a table.
Staff must make sure that allergens are not transferred from food containing an allergen to the
food served to the customer. This is call cross-contact. Here are a few examples of how it can
happen.
Cooking different types of food in the same fryer oil can cause cross-contact
Putting food on surfaces that have touched allergens can cause cross-contact.
Section 3
Victualling
3.1. Law
The International Law concerning Food & Catering is provided in the 2006 Maritime Labour
Convention produced by the International Labour organization, the following provides some of
the detail pertaining to Catering:
Purpose: To ensure that seafarers have access to good quality food and drinking water
provided under regulated hygienic conditions
1. Each Member shall ensure that ships that fly its flag carry on board and serve food and
drinking water of appropriate quality, nutritional value and quantity that adequately
covers the requirements of the ship and takes into account the differing cultural and
religious backgrounds.
2. Seafarers on board a ship shall be provided with food free of charge during the period
of engagement.
3. Seafarers employed as ships’ cooks with responsibility for food preparation must be
trained and qualified for their position on board ship.
3.1.2. Budget
The daily feeding rate or budget is set by the Ship Manager or principal. The figure is derived
based on vessel type and trade, trading areas, crew size and season.
The Ships Cook must take into account trading areas, currency exchange rates and availability
of provisions. Remember in some countries food is linked to religion and customs and as such
maybe difficult or very expensive to buy.
To get latest currency exchange rates use Google and type in “currency conversion” it will
provide a number of sites that provide up todate calculators.
3.2. Victualling Calculations
Computation of consumption per person per day, it is important for ship cooks to learn how to
calculate consumption rate for them to have better control of the budget given by the master.
Number of crew and days of voyage are determined in accordance with the budget allocated by
the company.
3.2.1. Definitions
Terms to Remember:
CREW RATIO – equivalent meals per man per day
R.O.B. (Remaining on Board) – the quantity of goods or provisions on hand
CONSUMPTION – the food consumption per man per day
SHIP CHANDLER – a person who deals in accordance with commodities and
supplies for the ships
PROVISIONS – are food supplies and commodities for all crew onboard for
certain ship voyages, which include frozen, dry goods and consumables
3.3. Inventory
Inventory is the term given to materials available essentially it is a list of what is available and
quantity available. Maintaining an accurate inventory ensures that your provisioning will easy to
do and cost effective. A win, win situation the Company will be happy that the food onboard is
cost effective and good quality, the Master will be happy as you are meeting budget
requirements and make the provisioning paperwork easy to use as it is based on known
amounts and not guess work, also he will be able to please Port State Control inspectors when
they conduct inspections of the Galley and Food Storage areas. You will be happy as the
provisioning will take less time and be easier to manage.
Doing mathematics is a lot like cooking. Of course, there a lot of differences, too. It’s hard to
chop something with a calculator and taking notes on the back of frying pan isn’t as easy as it
might sound. Here are some similarities between doing math and cooking.
3.5. Recipe
A recipe is a written record of the ingredients and preparation steps needed to make a particular
dish. The form a recipe takes depends on who will ultimately use the recipe and the medium in
which the recipe will be presented.
Before starting to cook from any recipe, the first step is always to read through the recipe in its
entirely to gain an understanding of exactly what is required. This step will alert you to any
potential surprises the recipe might contain, such as requiring an unusual piece of equipment or
an overnight cooling period. This is also the point at which you must decide if any modifications
to the recipe are in order. Perhaps the recipe makes only ten portions and you want to make
fifty, or vice versa. You will have to convert the recipe (using a Recipe Conversion
Factor/Conversion Factor (RCF/CF) to Convert Recipe Yields). While increasing or decreasing
the yield, you may discover that you need to make equipment modifications as well to
accommodate the new volume of food. Or you might decide that you want to omit, add, or
substitute an ingredient. All of these decisions should be made before any ingredient
preparation or cooking begins.
Once you have read through and evaluated or modified the recipe, it is time to get your mise en
place together. In many recipes, the ingredient list will indicate how the ingredient should be
prepared (parboiling or cutting into pieces of a certain size) before the actual cooking or
assembling begins.
The recipes used in each professional kitchen are known as standardized recipes. Unlike
published recipes, standardized recipes are tailored to suit the needs of an individual kitchen.
Preparing well-written and accurate standardized recipes is a big part of the professional
chef’s/cook’s work in all food service settings, as they include much more than just ingredient
names and preparation steps. Standardized recipes establish total yields, portion sizes,
holding and serving practices, plating information, and they set standards for cooking
temperatures and times. These standards help to ensure consistent quality and quantity,
permit chefs to monitor the efficiency of their work, and reduce costs by eliminating waste.
Standardized recipes can be recorded by hand, or electronically using a recipe management
program or other computerized database. They should be recorded in a consistent, clear,
easy-to-follow form and should be readily accessible.
As you prepare a standardized recipe, be as precise and consistent as you can. Include as
many of the following elements as possible:
Name/title of the food item or dish
Yield information, expressed as one or more of the following: total weight, total
volume, total number of portions
Portion information for each serving, expressed as one or more of the following: a
specific number of items (count), volume, weight
Ingredient names, expressed in appropriate detail, specifying variety or brand as
necessary
Ingredient measures, expressed as one or more of the following: count, volume,
weight
Ingredients preparation instructions, sometimes included in the ingredient name,
sometimes expressed in the method itself as a step
Equipment information for preparation, cooking, storing, holding, and serving
Preparation steps detailing mise en place, cooking methods, and temperatures for
safe food handling
Service information, describing how to finish and plate a dish, add side dishes,
sauces, and garnishes, if any, and listing the proper service temperatures
Holding and reheating information, describing procedures, equipment, times, and
temperature for safe storage
Critical Control Points (CCPs) at appropriate stages in the recipe to indicate
temperatures and times for safe food-handling procedures during storage,
preparation, holding, and reheating
Often you will need to modify a recipe. Sometimes a recipe must be increased or decreased.
You may be adapting a recipe from another source into a standardized format, or you may be
adjusting a standardized recipe for a special event such as a banquet or a reception. You may
need to convert from volume measures to weight or from metric measurements to the U.S.
system. You will also need to be able to translate between purchase units and recipe
measurements. In some circumstances, you may be called upon to increase or decrease the
suggested portion size for a recipe. Or you may want to determine how much the food in a
particular recipe cost.
Accurate measurements are crucial to recipes. In order to keep costs in line and ensure
consistency of quality and quantity, ingredients and portion sizes must be measured correctly
each time a recipe is made.
Ingredients are purchased and used according to one of three measuring conversions: count,
volume or weight. They may be purchased according to one system and measured for use
in a recipe according to another.
Count
Is a measuring of whole items as one would purchase them? The term each, bunch, and
dozen all indicate units of count measure. If the individual item has been processed, graded,
or packaged according to established standards, count can be useful, accurate way to measure
ingredients. It is less accurate for ingredients requiring some advance preparation or without
any established standards for provision. Garlic cloves, the intensity of garlic in the dish will
change depending upon whether the cloves you use are large or small.
Volume
is a measurement of the space occupied by a solid, liquid, or gas? The terms teaspoon
(tsp), tablespoon (tbsp), fluid ounce (fl oz), cup (c), pint (pt), quart (qt), gallon
(gal), millilitre (ml), and litre (L) all indicate units of volume measure. Graduated
containers (measuring cups) and utensils for which the volume known (such as a 2-ounce ladle
or a teaspoon) are used to measure volume.
Volume measurements are best suited to liquids, though they are also used for solids,
especially spices, in small amounts. Tools used for measuring volume are not always as
precise as necessary, especially if you must often increase or decrease a recipe. Volume
measuring tools don’t conform to any regulated standards. Therefore, the amount of ingredient
measured with one set of spoons, cups, or pitcher could be quite different from the amount
measured with another set.
Weight
Is a measurement of the mass or heaviness of a solid, liquid, or gas? The terms ounce (oz),
pound (lb), gram (g), and kilogram (kg) all indicate units of weight measure. Scales are
used to measure weight, and they must meet specific standards for accuracy. In professional
kitchens/galley, weight is usually the preferred type of measurement because it is easier to
attain accuracy with weight than it is with volume.
Soup 250 ml
Sauce 100 ml
Fish 200 g
*BUTCHER CHARTS ARE USED TO GUIDE THE COOK ON THE QUANTITY OF FOOD THAT
SHOULD BE ALOTTED PER PERSON. IT IS ALSO USED IN COMPUTING FOR RECIPE YIELDS.
Section 4
Request Provisions
Forecast requisition/provision is prepared in accordance with availability of supplies.
Purchase order and forecast requisition is supervised and managed in accordance with
availability of supplies.
Calculation needed to complete work tasks are supervised and managed using the basic
mathematical principles. May include addition the following:
Subtraction
Multiplication
Division
Ratio and Proportion
The provision administration will be normally done by the Master in co-operation with the Cook.
The Cook is responsible for the provision requisitioning and storing of the provision.
There are several methods of provision administration on board of the ships nowadays. It
depends on the company’s system when they would like to have the provision account, either
monthly or quarterly.
But nevertheless, the way of calculation is always the same. The main parts of the provision
administration are:
Invoice record of the provision ordered
Meals List per month
Provision account sheet
Provision purchase sheet
Exchange rate per each provision delivery
Delivery sheets
The company will pre calculate the daily provision rate per crew per day. This depends first of all
where the ship is trading. The daily pre calculation of the provision rate is part of the vessels
general budget plan. It is in the masters’ responsibility to instruct the ships cook what the
planned daily rate is, and what are the margins of this daily rate.
This is necessary to know for the ship cooks to calculate the daily consumption and the monthly
provision rate. The provision rate might vary over the year. The reason for this is:
Increased prices
Different prices for same goods in different trading areas.
More or Less consumption by the crew
In any case the ship cook should avoid buying foods if the price for the food is exorbitantly high.
As well special foods should be not brought in areas where they are not readily available; this
will also increase the daily rate drastically. (For example, butter and milk in Japan)
Good Inventory Control and FIFO management will help the cook not to overdo the daily
provision rate.
The daily provision rate will be also influenced by the type of ship. Sometimes tanker has a quite
higher provision rate than Reefer vessel or bulk carrier.