chrisanja - me - I said 6 years
I'll be pleasantly surprised if it's less!
2012 (remainder) - Nov report will show a giveback of 10-12B each.
Once they start co-mingling the interest and principal, the conversation will turn from "borrowed" of $180B to "net cost to taxpayers" of $100B (forget the time-value of money - and with the low interest of the past 5 years, we all know 10% was penalty).
2013 $10B each per quater... total net "cost" to taxpayer = $20B
If we get good results and a change in mindset, we could be in-the-very-black by the end of 2013 - heck, why not sooner?
How's that for a rosier projection!