Justifying a position for a 30-60 year projection based on the last five years history (as you have done in your repsonse) isn't something I am comfortable with, which is why I disagreed with you.

It sounds like the last five years have made quite an impact on you, so I can understand why that might make you concerned and turn your forecasts more conservative. My frame of reference points another direction. It's OK. We can agree to disagree, including the reference to the "minority" position that you suggest I have taken. There are thousands of opinions on this particular subject and it is only a guideline.