2019 for a bull market...who knows. But one thing you can count on is this bank's strategy will be EXACTLY the same ten years from now as it was ten years ago and its returns will reflect that. A 20 year run of returns less than treasuries will be quite a feat indeed. A good buffet once a year for ten years is not a bad thing, though. Sad thing, most of the geezers in love with this company will be dead by then, so I wont get the chance tell them how wrong they were in 1998.