How do you do it, Bob? Mine never goes down! I even took the IAM test and it went up even more! I don't actually know , it's slightly worrying . I think my broker , Swinton , said that they are obligated to find me the best available deal . My concern is that there may be alterations to the terms and conditions . I really can't be bothered to plough through the wad of paperwork that they sent . What's also a bit annoying is that I'm paying nearly as much for the ER5 now . Swinton have a policy of trying to encourage their customers to aspire to better bikes. That's when they hammer you.