Jim Cramer takes calls and delivers answers on viewers' stock picks of the day.
: "We're not going to buy any financials until they go lower because there's just too much, again, there's too much confusion.
As long as the yield curve stays the way it is, no one's going to recommend any stock that is like Morgan Stanley even as Morgan Stanley is a great stock. You have to hold it, but don't buy."WATCH: Cramer's lightning round
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