@Rodger *******
there is nothing such as a "12-month visa". There only is a 90-days visa, followed by a 12-months extension of a temporary stay permit. The 12-months extension is not a "visa". Your wording is wrong. There is no "15-months retirement visa", though. . . . Many Immigrations have by now discontinued using wrong English and don't talk about a "visa extension" any more. A "visa" cannot get extended, only a "stay permit" can get extended