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$V said that it saw mid teens e-commerce growth during the holiday period vs. mid-single digit growth in the physical world. More than 25% of all spending on Visa Card during Nov. 2015 and Dec. 2015 was online, up from less than 20% just three years ago.
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.