Mr. Frank Jansen:

When we proposed our initial plan, we still needed to start the execution of that plan. We proposed our initial plan and we worked out a scheme that we thought could work in that timeline. We should not forget that we also have issued pre-notices to customers. Three months before we were to issue the notice period we issued pre-notices to customers. We talked to our community. We talked to the Central Bank. We also got input from other stakeholders and we decided to change this period from three to six months.