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$AIG 2Q15 Q&A: Nannizzi from Goldman Sachs asked about increase in expense ratio. Kevin replied I think the primary source of increase in our expense ratio, is really for the investments that we are making in our growth markets in China and Brazil and also in preparation for the merger in Japan.
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.