May 2012, and by another 4 percent by November 2012, and that the GDP fell by 13 percent, "mainly due to an 80 percent drop-off in exports (mostly refined petroleum)". On the other hand, tourism and some other service industries were growing in 2013. The CIA's World Factbook stated that in 2013, "the economy remains relatively diversified. Along with a vibrant tourism industry, rum exports, trade, and services will be major income sources in future years". A New York-based research group made the following comment in late 2013: "Looking ahead, we note that the tropical weather and picturesque beaches will continue to draw tourists, and natural resources bode well for rum production. However, the group also added that "it may also be worthwhile to look at the physical infrastructure and human capital built up over the years, with an eye toward using it for other types of productive economic activity". The latest (May 2016) report indicated that there were an average 607 manufacturing jobs. By comparison, there were 1,487 natural resource and construction jobs and nearly 11,000 people worked in some aspect of agriculture in the first half of fiscal year 2016. Internet and cell service With the help of funding from the American Recovery and Reinvestment Act of 2009, the Virgin Islands Next Generation Network (a government-owned subsidiary) began bringing broadband internet access to the territory, in an effort to stimulate the technology sector and business generally. Today, broadband service is readily available via wireless and cable. Cellular phone service is also widely available on all four islands from several providers. Financial challenges A May 2016 report by Bloomberg expressed concern about the islands debt load. "In terms of the debt load, on a per-capita basis, on an income basis, it's high,” said Marcy Block, a Fitch analyst. The government believes it will be able to repay the loans; in part that is "because of the way the bonds are structured. Many securities are backed by specific revenue streams, like excise taxes tied to rum production by Diageo Plc and Cruzan International Inc., that go straight from the U.S. Treasury to an escrow agent. Even bonds backed by gross receipt taxes, which offering documents say are “secured by its full faith and credit and taxing power,” also give the trustee a lien on the levies." Some news media were reporting a financial crisis by January or February 2017. The