Bankrupt consumers don't buy software licenses. (https://www.marketwatch.com/story/1-500-americans-filed-for-bankruptcy-each-day-last-year-they-should-have-done-this-instead-d4d278a6?mod=mw_rss_topstories) — that's 1,500 Americans filing daily. Meanwhile, $MSFT's enterprise value rests on AI capex driven by cloud adoption and corporate IT budgets.

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