While economic cycles tend not to run much longer than the current one, all but three of 50 business economists surveyed by Blue Chip Economic Indicators predict gross domestic product growth next year of 3 percent or more, the Christian Science Monitor reported Friday.

Specifically, the experts predict:

-- Rising pay, with disposable incomes rising by 3.2 percent, after inflation, more than double this year's gain;

-- Costlier borrowing, with short-term interest rates averaging about 4.5 percent and longer-term rates around 4.9 percent;

-- Moderate inflation, with the consumer price index rising 3 percent during 2006, down slightly from 2005;

-- Healthy corporate profits, with growth around 7.9 percent; and

-- Strong hiring, with unemployment remaining at a historically low 5 percent.