Why is a warm cumulus cloud more likely to produce precipitation than a cold stratus cloud?

This is a question for class discussion on this Discussion Board for Module 5. You will present a response/answer to this question in Reply to the question, then consider your classmates responses/answers and respond appropriately by Replying to two (2) of your classmates responses/answers. Your responses will not be short answers, but your answer/response must consist of approximately 250 words and your responses to your classmates must consist of approximately 200 words. The Module 5 Question follows:

Why is a warm cumulus cloud more likely to produce precipitation than a cold stratus cloud?