it is with great sadness my application has been denied Although I made it for 2015-2017, I was short of income in 2018 due to a period of unemployment which is out of my control, at the same time my wife was on mat leave and our combined income is still 60% short of what needed only in 2018. Although I thought that I can use either 2015-2017 or 2016-2018 to meet and choose to submit 2015-2017, it is required to meet for 2018 as well regardless of option selected and supposed to meet in this year as well until the application is finalized. Unfortunately nothing I can do at this point, I have resigned to fate, I wish everyone success and it seems like my journey need to take 3 more years to make the next chance.