[duncan33]

Thank you for your reply.
I actually think I'll open both.
Regarding the 4%, I realized while reading your ebook that it was too much, that it was better to start from 2.5 and increase by 10%/year than to start high and decrease.
Regarding the consecutive years of increase, how many years minimum are you basing this on?
I think I'll go through Binck.fr, being 300km from my bank for my studies I will have greater freedom.

[Author]

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