Good info by all (except Whack, let it go dude). Zap always has a very realistic and reality based outlook. His crystal ball sucks a lot less than mine.
A wag of about 10 years to upgrade for someone hired now is pretty close imo. The 5 year numbers that I have heard recently coming out of the training center are a complete fabrication and there is just no way it can happen.
As long as the economy keeps ticking along, I suspect we will grow slightly more than projected in the annual report just like we have over the last 3-4 years.
Of course, age 67, another merger, an economic downturn, etc can throw the proverbial wrench in all of this.
If it doesn't happen then oh well. Being a FO here is not a bad gig as long as you aren't wound too tight. I don't base my happiness on which seat I sit in (BTDT just like everyone else here) and to do so is foolish IMO.