This is a healthy makeup we got in this here forum, that's for sure. I'm beginning now to use proudhon and sgbett's predictions as my worst-case scenario settings -- and actually am not too unhappy with that (with perhaps the difference being I'm only using the 2021 timeframe as I'd really like to diverge farther in '22).

And that's credit to you OP;) When did you say 19/12k again?