Hello Would like to ask you a question on behalf of a colleague of mine. He has been running his motorcycle driver’s license since May 2011 and also since the new machine on his name at the Huk. He has had the car driver’s license since January 2011 and has been registered on his father’s car since the autumn of 2011 (but he ran at the Allianz). Now he wants to let a car in his name (must say he is 21 years old) and the Huk offers him, with SF 1/2 with a car Is that normal or rather n bad offer? Of course it depends on the final sum, which he has to pay on it and not on the % but what do you think about it? With the year turn this is right with the SF 1/2?