Regarding the calculation of premium risk under the Non-life premium SCR calculation of standard formula: Article 117 states that ‘’ For all segments set out in Annex II, the standard deviation for non-life premium risk of a particular segment shall be equal to the product of the standard deviation for non-life gross premium risk of the segment set out in Annex II and the adjustment factor for non-proportional reinsurance. For segments 1, 4 and 5 set out in Annex II the adjustment factor for non-proportional reinsurance shall be equal to 80 %. For all other segments set out in Annex the adjustment factor for non-proportional reinsurance shall be equal to 100 %.’’ I have already search on the Q/A but i couldn't find something clear. My question is that until now our Company has used for segments 1,4 and 5 the adjustment factor of 100% since company has also facultative covers. Is that correct or we need to use the 80% for these line of business?