12 months? Try 14 years. Trust me, I'm technical, I know what I'm talking about. I could explain to you how I came up with 14 years, but it would probably be too technical for you to handle. FOURTEEN YEARS at exactly 15 cents. NOW AREN'T YOU GLAD YA GOT BANRO? Technically, I could be TOTALLY FULL OF COMPLETE SHIT, but hey, if I'm right......... 14 years!