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$CMA's allowance for credit losses on lending-related commitments was $48MM at Sept. 30, 2015 compared to $41MM at Dec. 31, 2014. The $7MM increase mainly reflected the impact of downgrades of energy and energy-related unfunded commitments and issued letters of credit.
$RAI has received a $47 billion take over offer from British tobacco giant British American Tobacco! This is huge!
No better outlook on $MSFT. Even if the results beat a bit, the stock may move 4 to 6% higher, but won't go above $60.