The proposed 2 options look possible (prefer Maintain Deductible 3.5 MTHB, Decrease Rate to 0.13%) but it would be great if we could review at least the current portfolio aging first krub. Additionally, we barely offer 2 years policy period any more due to it is difficult to manage the terms and limits when some clients had big or frequent losses in the 1 period and would prefer to offer only 1 year policy period as usual krub. Anyway if the insured’s portfolio is still in good shape, we normally continuously improve our terms year over year na krub.