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$WFC 2Q15 Call: To the point of entering new markets, we adjust our store footprint meaningfully every year by opening and closing stores where we see fit. We believe that we need a certain amount of scale in any urban market before we can make a difference. We’re in most markets that we like to be in and we will not get there through acquisition.
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.