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Okay, the call has not started yet Carol.

Investors are still taking note of the numbers that we got from Microsoft.

Shares down 6.8% in the after hours. The company reported

Microsoft Cloud revenue for the fourth quarter that met the average analyst estimate.

Capex though, coming in up at $13.87 billion.

That was higher than analysts wanted to see at $13.27 billion.

Yeah, kind of interesting.

So let's get to it.

Dan Morgan is with a senior portfolio manager at Sinova's Trust Company about 20 billion in assets

under management joining us once again from Atlanta.

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