Guess I am just a bit more optimistic, because I see us as only being deep in to stage 3.
I agree. I hit 5 when I should have hit 3.
I'm not so sure about optimism but I think we're in the later part of stage 2. Maybe a few aspects of stage 3.
IMO, when stage 3 arrives, stage 4 & 5 will come pretty rapidly afterward.