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John Pancari of Evercore asks about expense management. $PNC said the investments being made in technology is helping to take costs out of back-office and processing. $PNC believes that long-term expense savings come through structural change in the company and it will work through this over the coming years without slowing down on investments.
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.