Full Int S/s. Help with build

[Swindler]

At lvl 80 my build gonna be

Fire: lvl 80
Lighting: lvl 80
Bicheon: lvl 69

i think it sounds pretty good but now i have 71 mastery lvl left
should i lvl heuksal for the passive or lvling ice for phy def??

[The_Answer]

@ lvl 90
bicheon 90
light 90
cold 90
fire 30 or heuskal 30

lol so many threads asking the same thing