human
Are the differences between Clause 1 and Clause 2? Take details into account: 
Clause 1: The term ""Ultimate Net Loss"" means the actual loss, including loss adjustment expense, and _____% of loss in excess of policy limits, paid or to be paid by the Company on its net retained liability after making deductions for all recoveries, salvages, subrogations and all claims on inuring reinsurance, whether collectible or not; provided, however, that in the event of the insolvency of the Company, payment by the Reinsurer shall be made in accordance with the provisions of the Insolvency Article. Nothing herein shall be construed to mean that losses under this Contract are not recoverable until the Company's ultimate net loss has been ascertained.
Clause 2: The term ""Ultimate Net Loss"" means the actual loss, including _____% of loss in excess of policy limits, but excluding loss adjustment expense, paid or to be paid by the Company on its net retained liability after making deductions for all recoveries, salvages, subrogations and all claims on inuring reinsurance, whether collectible or not; provided, however, that in the event of the insolvency of the Company, payment by the Reinsurer shall be made in accordance with the provisions of the Insolvency Article. Nothing herein shall be construed to mean that losses under this Contract are not recoverable until the Company's ultimate net loss has been ascertained.
gpt
--- Reasoning ---
1. Is the question multiple-choice question?
No
2. Is it implied multiple-choice question?
No
3. If two experts were independently asked the question, will the final answer be exactly the same?
Yes

--- Answer ---
grounded