diff --git a/app/Views/policy_transaction_inception_form_2.php b/app/Views/policy_transaction_inception_form_2.php
index dfd6a662..a1db7f44 100644
--- a/app/Views/policy_transaction_inception_form_2.php
+++ b/app/Views/policy_transaction_inception_form_2.php
@@ -3328,6 +3328,30 @@
                         if(res.status == true){
                             // appendCDAccountNumber(res.data[0].cd_ac_no, unique_id)
                             appendCDAccountNumber(res.data, unique_id)
+
+                      
+                            let balanceDiv = document.getElementById('cd_current_balance_info_' + unique_id);
+                            setTimeout(function(){
+                                let dropdown_value = $('#cd_ac_no_' + unique_id).val();  
+                                
+                                console.log("dropdown_value",dropdown_value)
+
+                                res.data.forEach(function(item) {
+                                    if (item.id == dropdown_value) {   // match found
+                                        if (item.opening_bal !== null) {
+                                            $('#cd_current_balance_info_' + unique_id).val(item.opening_bal);
+                                            balanceDiv.innerHTML =
+                                                '<span class="text-success">' + item.opening_bal + '</span>' +
+                                                ' <span class="vehicle-badge success">✓ CD balance Amount</span>';
+                                            balanceDiv.classList.add('show');
+                                        }
+                                    }
+                                });
+                                $('.card_group_34').show(); 
+                                $('.card_group_37').show(); 
+                                $("select[name='cd_ac_no_for_child[]']").attr('required', 'required');
+                            }, 1000);
+
                             // if(res.data[0].id){
                             //     $('#cd_ac_pk_for_leader').val(res.data[0].id)
                             // }
@@ -4792,53 +4816,85 @@
 
 
     $('#policy_end_date').on('change', function () {
-    
-            let startDateStr = $('#policy_start_date').val();
-            let endDateStr   = $('#policy_end_date').val();
 
-            if (!startDateStr || !endDateStr) {
-                alert('Please select both Start and End dates');
-                return;
-            }
+        let startDateStr = $('#policy_start_date').val();
+        let endDateStr   = $('#policy_end_date').val();
 
-            // Convert DD/MM/YYYY → Date object
-            let startParts = startDateStr.split('/');
-            let endParts   = endDateStr.split('/');
+        if (!startDateStr || !endDateStr) {
+            alert('Please select both Start and End dates');
+            return;
+        }
 
-            let startDate = new Date(startParts[2], startParts[1] - 1, startParts[0]);
-            let endDate   = new Date(endParts[2], endParts[1] - 1, endParts[0]);
+        // Convert DD/MM/YYYY → Date object
+        let startParts = startDateStr.split('/');
+        let endParts   = endDateStr.split('/');
 
-            if (endDate <= startDate) {
-                alert('End Date must be greater than Start Date');
-                return;
-            }
+        let startDate = new Date(startParts[2], startParts[1] - 1, startParts[0]);
+        let endDate   = new Date(endParts[2], endParts[1] - 1, endParts[0]);
 
-            // ✅ Calculate Year Difference
-            let yearDiff = endDate.getFullYear() - startDate.getFullYear();
+        if (endDate <= startDate) {
+            alert('End Date must be greater than Start Date');
+            return;
+        }
 
-            // Adjust if end date is before anniversary
-            if (
-                endDate.getMonth() < startDate.getMonth() ||
-                (endDate.getMonth() === startDate.getMonth() && endDate.getDate() < startDate.getDate())
-            ) {
-                yearDiff--;
-            }
-
-            console.log('Year Difference:', yearDiff);
-
-            //  Clear existing cards (optional but recommended)
-            // $('#allInsurerCards').empty();
-            // $('.insurer-card').remove();  
-            // insurerCount = 0;
-            resetInsurerCards();
-
-            //  Add cards equal to year difference
-            for (let i = 0; i < yearDiff; i++) {
-                addInsurerColumn();
-            }
+        let yearDiff = calculateYearCount(startDate, endDate);
+        console.log(`YDiff: ${yearDiff}`);
+        adjustInsurerCards(yearDiff);
 
     });
 
+
+    function calculateYearCount(start, end) {
+        let startDate = new Date(start);
+        let endDate   = new Date(end);
+
+        let years = endDate.getFullYear() - startDate.getFullYear();
+
+        // Build the anniversary date for calculated years
+        let anniversary = new Date(
+            startDate.getFullYear() + years,
+            startDate.getMonth(),
+            startDate.getDate()
+        );
+
+        // If end date is before anniversary → reduce 1 year
+        if (endDate < anniversary) {
+            years--;
+        }
+
+        // If there are extra days beyond exact year → round up
+        // (endDate >= anniversary)
+        return years + 1;
+    }
+
+    function adjustInsurerCards(yearDiff) {
+
+        console.log("CurrCount:", insurerCount);
+        
+        if (yearDiff > insurerCount) {
+            // ADD missing cards
+            let cardsToAdd = yearDiff - insurerCount;
+            console.log("CaAd:", cardsToAdd);
+
+            for (let i = 0; i < cardsToAdd; i++) {
+                addInsurerColumn();   // your function
+            }
+
+        } else if (yearDiff < insurerCount) {
+            // REMOVE extra cards
+            let cardsToRemove = insurerCount - yearDiff;
+            console.log("CaRe:", cardsToRemove);
+
+            for (let i = 0; i < cardsToRemove; i++) {
+                removeInsurerCard(insurerCount); // remove last
+            }
+        }
+
+        console.log("UpdatedCa:", insurerCount);
+    }
+
+
+
     function resetInsurerCards() {
         $('#allInsurerCards').empty();
         insurerCount = 0;