diff --git a/Elwig/Helpers/AppDbUpdater.cs b/Elwig/Helpers/AppDbUpdater.cs
index 1ae2150..de4b797 100644
--- a/Elwig/Helpers/AppDbUpdater.cs
+++ b/Elwig/Helpers/AppDbUpdater.cs
@@ -9,7 +9,7 @@ namespace Elwig.Helpers {
     public static class AppDbUpdater {
 
         // Don't forget to update value in Tests/fetch-resources.bat!
-        public static readonly int RequiredSchemaVersion = 13;
+        public static readonly int RequiredSchemaVersion = 14;
 
         private static int VersionOffset = 0;
 
diff --git a/Elwig/Helpers/Billing/BillingVariant.cs b/Elwig/Helpers/Billing/BillingVariant.cs
index b913241..0d4842b 100644
--- a/Elwig/Helpers/Billing/BillingVariant.cs
+++ b/Elwig/Helpers/Billing/BillingVariant.cs
@@ -43,11 +43,10 @@ namespace Elwig.Helpers.Billing {
                            ROUND(p.amount / POW(10, s.precision - 2)) AS net_amount,
                            ROUND(lp.amount / POW(10, s.precision - 2)) AS prev_amount,
                            IIF(m.buchführend, s.vat_normal, s.vat_flatrate) AS vat,
-                           ROUND(
-                               IIF({Data.ConsiderContractPenalties}, COALESCE(u.total_penalty, 0) / POW(10, 4 - 2), 0) +
-                               IIF({Data.ConsiderTotalPenalty}, COALESCE(b.total_penalty, 0), 0) +
-                               IIF({Data.ConsiderAutoBusinessShares}, -COALESCE(a.business_shares * s.bs_value, 0), 0) / POW(10, s.precision - 2)
-                           ) AS modifiers,
+                           ROUND(IIF({Data.ConsiderContractPenalties}, COALESCE(u.total_penalty, 0), 0) / POW(10, 4 - 2)) +
+                           ROUND(IIF({Data.ConsiderTotalPenalty}, COALESCE(b.total_penalty, 0), 0) / POW(10, s.precision - 2)) +
+                           ROUND(IIF({Data.ConsiderAutoBusinessShares}, -COALESCE(a.total_amount, 0), 0) / POW(10, s.precision - 2))
+                           AS modifiers,
                            lc.modifiers AS prev_modifiers
                     FROM season s
                         JOIN payment_variant v ON v.year = s.year
@@ -63,26 +62,9 @@ namespace Elwig.Helpers.Billing {
                         LEFT JOIN payment_member lp ON (lp.year, lp.avnr, lp.mgnr) = (l.year, l.avnr, m.mgnr)
                         LEFT JOIN payment_member p ON (p.year, p.avnr, p.mgnr) = (v.year, v.avnr, m.mgnr)
                         LEFT JOIN credit lc ON (lc.year, lc.avnr, lc.mgnr) = (l.year, l.avnr, m.mgnr)
-                        LEFT JOIN (SELECT year, mgnr,
-                                          SUM(COALESCE(IIF(u.weight = 0, -t.penalty_none, 0), 0) +
-                                              COALESCE(IIF(u.diff < 0, -t.penalty_amount, 0), 0) +
-                                              COALESCE(u.diff * t.penalty_per_kg, 0)) AS total_penalty
-                                   FROM v_under_delivery u
-                                       JOIN area_commitment_type t ON t.vtrgid = u.bucket
-                                   GROUP BY year, mgnr) u ON (u.year, u.mgnr) = (s.year, m.mgnr)
-                        LEFT JOIN (SELECT s.year, u.mgnr,
-                                          (COALESCE(IIF(u.weight = 0, -s.penalty_none, 0), 0) +
-                                           COALESCE(IIF(u.diff < 0, -s.penalty_amount, 0), 0) +
-                                           COALESCE(u.diff * s.penalty_per_kg, 0)
-                                           ) / POW(10, s.precision - 2) AS total_penalty
-                                   FROM v_total_under_delivery u
-                                       JOIN season s ON s.year = u.year
-                                   WHERE u.diff < 0) b ON (b.year, b.mgnr) = (s.year, m.mgnr)
-                        LEFT JOIN (SELECT h.mgnr, h.business_shares
-                                   FROM member_history h
-                                   WHERE type = 'auto' AND
-                                         date >= '{Year}-06-01' AND
-                                         date < '{Year + 1}-06-01') a ON a.mgnr = m.mgnr
+                        LEFT JOIN v_penalty_area_commitments u ON (u.year, u.mgnr) = (s.year, m.mgnr)
+                        LEFT JOIN v_penalty_business_shares b ON (b.year, b.mgnr) = (s.year, m.mgnr)
+                        LEFT JOIN v_auto_business_shares a ON (a.year, a.mgnr) = (s.year, m.mgnr)
                     WHERE s.year = {Year} AND v.avnr = {AvNr};
 
                     UPDATE payment_variant SET test_variant = FALSE WHERE (year, avnr) = ({Year}, {AvNr});
diff --git a/Elwig/Resources/Sql/12-13.sql b/Elwig/Resources/Sql/12-13.sql
index a21b477..17704c7 100644
--- a/Elwig/Resources/Sql/12-13.sql
+++ b/Elwig/Resources/Sql/12-13.sql
@@ -1,4 +1,4 @@
--- schema version 11 to 12
+-- schema version 12 to 13
 
 ALTER TABLE season ADD COLUMN bs_value INTEGER;
 
diff --git a/Elwig/Resources/Sql/13-14.sql b/Elwig/Resources/Sql/13-14.sql
new file mode 100644
index 0000000..c42e31a
--- /dev/null
+++ b/Elwig/Resources/Sql/13-14.sql
@@ -0,0 +1,33 @@
+-- schema version 13 to 14
+
+CREATE VIEW v_penalty_area_commitments AS
+SELECT year, mgnr,
+      SUM(COALESCE(IIF(u.weight = 0, -t.penalty_none, 0), 0) +
+          COALESCE(IIF(u.diff < 0, -t.penalty_amount, 0), 0) +
+          COALESCE(u.diff * t.penalty_per_kg, 0)
+      ) AS total_penalty
+FROM v_under_delivery u
+   JOIN area_commitment_type t ON t.vtrgid = u.bucket
+GROUP BY year, mgnr
+HAVING total_penalty < 0
+ORDER BY year, mgnr;
+
+CREATE VIEW v_penalty_business_shares AS
+SELECT s.year, u.mgnr,
+       (COALESCE(IIF(u.weight = 0, -s.penalty_none, 0), 0) +
+        COALESCE(IIF(u.diff < 0, -s.penalty_amount, 0), 0) +
+        COALESCE(u.diff * s.penalty_per_kg, 0)
+       ) AS total_penalty
+FROM v_total_under_delivery u
+   JOIN season s ON s.year = u.year
+WHERE u.diff < 0 AND total_penalty < 0
+ORDER BY s.year, u.mgnr;
+
+CREATE VIEW v_auto_business_shares AS
+SELECT s.year, h.mgnr,
+       SUM(h.business_shares) AS business_shares,
+       SUM(h.business_shares) * s.bs_value AS total_amount
+FROM member_history h, season s
+WHERE h.type = 'auto' AND h.date >= s.year || '-01-01' AND h.date <= s.year || '-12-31'
+GROUP BY s.year, h.mgnr
+ORDER BY s.year, h.mgnr;