—but at 12 months away you'll get two years' of the money and all of the interest immediately, and then you'll see the rest of it come in, and it'll be 100%, accumulating interest until the date it's returned.
Under the terms of the agreement, interest stops on the effective date. Some of that money is going to be withheld for up to as much as four years and will earn no interest at all. Under the terms of the U.S. law, interest is earned until the date the money is returned.