This is actually going to be quite a positive interview,” André laughed while taking a sip from his coffee. “At the end of this year, we'll be announcing some relatively good news. In recent years we were unable to grant participants full pension accrual because the fixed contribution wasn't enough to fund the targeted pension accrual rate. But now that interest rates have risen, we will next year be able to let pensions accrue at the maximum level allowed under Dutch tax regulations.