After years of flat or negative growth rates, economic growth took off in 2004 (10.6%) and is expected to stabilize at between 5 to 6% per year for the next few years (2005 estimate is 5.6%).  The bulk of this growth comes from two sectors – agriculture (2004: 25% of GDP) and mining (2004: 12% of GDP).  There are tangible signs of prosperity; wooden or brick houses are springing up alongside -- or instead of -- gers in the urban centers.  Ulaanbaatar experiences traffic jams at almost any hour of the day.  New shopping malls, restaurants, bars and discos and internet cafes are opening up every month. Inflation has stabilized to around 5%, this is being closely matched by the growth of real GDP. As the banking sector recovered from its 1997 crash, consumer confidence improved better rates of interest are constantly being offered thus encouraging domestic credit from the private sector, this while domestic and foreign deposits are growing in importance and the budget balance is improving.