code: private Calendar getValidFrom() {
  
          // Get valid from date
          Date validFrom = getModel().getValidFrom();
          if (validFrom == null)
              return null;
  
          // Convert to midnight within defined time zone
          Calendar validFromCalendar = Calendar.getInstance(getTimeZone());
          validFromCalendar.setTime(validFrom);
          validFromCalendar.set(Calendar.HOUR_OF_DAY, 0);
          validFromCalendar.set(Calendar.MINUTE,      0);
          validFromCalendar.set(Calendar.SECOND,      0);
          validFromCalendar.set(Calendar.MILLISECOND, 0);
          return validFromCalendar;
  
      }
docs: Returns the date after which this account becomes valid. The time
  components of the resulting Calendar object will be set to midnight of
  the date in question.
  
  @return
  The date after which this account becomes valid.