[adios]

Less than MSFT. MSFT probably has more liquid assets than many banks. Citigroup is the largest bank in the USA I believe (well they're much more than just a bank). They have over $1 trilliion in assets but $944 billion in liabilities. They have a tangible book value of $50 billion. MSFT has a tangible book value of $52 billion. MSFT has over $50 billion in cash and marketable debt securities. MSFT has profit margins of 31% and has basically maintained that profit margin for quite some time. MSFT sells at 4.52 times book value. Citigroup sells for about 2.l times book value. Gates owns about 20% of MSFT stock I believe.