THANK YOU VERY MUCH !!!

...for your quick and detailed answer.

After reading twice, I got headache. So I called my mate over, usually a clever IT pro. He could'nt figure it out either.
Sorry mate, I have to ask you in a different way:

What setting keeps my offers at the highest level, with very slow decreasing. So hat PoloLend only makes high offers (above 0.3%).
If the rate stays down at 0.13 for 3 days, I don't mind have no active loans.

(I'm worried that PoloLend lends all my 8btc in the first few minutes or hours, while tomorow we get better offers.)

sorry for asking again ;-)

THX