Dominic Konstam, global head of rates research at Deutsche Bank, says the U.S. will have to consider negative rates on a five- to 10-year view. Walter Piecyk, a BTIG tech analyst, says Apple needs to focus on getting iPhone volumes up to gain Samsung customers who don't have a product. David Kostin, chief strategist at Goldman Sachs, says top-line revenue growth is likely to grow four to five percent. Jonathan Miller, president of Miller Samuel, says there is slack in the suburban markets and it may take another year for it to tighten like it has in the city.