You're on ol' boy. I see your cagillion and raise you a trigillion

My Rosie numbers go as high as 14.2% based upon our downward trend in Operating and Non-Operating expenses and "no real increase" in employee considered earnings.

My Realistic numbers go as high as 13.4% if I factor in higher employee earnings.

My cup half full numbers as low as 6.9%....but I've already mailed in my 12.9%

Either way, better save it for a rainy day regardless what the % is. Storms-a-looming on the horizon.