5% at the end of the decade is quite a pessimistic take 😉
Looking at the graph 1% was crossed mid/late 2021, while 2% was crossed mid 2024, so almost 3 years later. Now 3% is crossed a little more than a year later. Next year we would be likely to have crossed 4% and 5% should be no later than 2027, even if it doesn’t speed up much further.