Statement: "Two months ago, the Central Government announced dearness relief for pensioners with immediate effect, yet banks have not credited the arrears," says a Pensioners' Forum.\nAssumptions:\nI. Most banks normally take care of pensioners.\nII. Two months is sufficient for the government and banking machinery to implement such credit.

Introduction / Context:
The forum highlights a gap between policy announcement ("with immediate effect") and execution (arrears not credited after two months). The complaint presumes a reasonable implementation window has passed.

Given Data / Assumptions:

• Policy for dearness relief was announced two months prior.
• Arrears remain uncredited to pensioners.
• No statement about banks' general benevolence.

Concept / Approach:
A grievance assumes a standard of reasonableness is violated. Here, the timeline is central: "immediate effect" plus two months elapsed implies implementation should already have happened.

Step-by-Step Solution:
1) The censure presupposes that two months suffice for notifications, system updates, and crediting.2) Assumption I about banks "normally taking care" is irrelevant to this procedural delay claim.3) Therefore, only II is required to make the complaint meaningful.

Verification / Alternative check:
If two months were insufficient, the criticism would be premature. The forum's stance relies on the contrary belief.

Why Other Options Are Wrong:

• Only I: Does not bear on timeline feasibility.
• Either/Both: Overstate the requirements.
• Neither: Undermines the logic of delay-based criticism.

Common Pitfalls:
Attributing intent or benevolence to institutions when the claim is about process time and execution capacity.

Final Answer:
Only assumption II is implicit.