I'd like to thank the governor and the deputy governor for coming and joining us. This is your semi-annual visit to be held with us. I appreciate the answers you've been giving over the last hour and half.
I only have a couple of issues, and there are hopefully no politics involved in them.
On your estimate, for example, of the 3% growth for next year, and I think 3.3% or something like that for the year after, is that strictly based on your modelling? We heard--as a member of the finance committee--from another organization this week that talked about the fact that there's a variety of opinions out there. Some organizations look at what they're doing and we take an average.
Is it strictly your modelling, and you're not paying much attention to what everybody else is doing?