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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">Current standards are 39 and 27 months. Why is it that when we move to issuing certificates two or three times more often for some certificate buyers, they get
one third the time to renew them in advance of their expiration?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">The progression appears to be 39, 27, 15.<o:p></o:p></span></p>
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