Cramer had bullish things to say about bank stocks today. The yield curve is normalizing and investors are starting to warm up to the sector. He thinks that stocks like Goldman Sachs Group Inc (GS), Lehman Brothers Holdings (LEH) and Bear Sterns (BSC) seem tired here and investors who want to play the yield curve are going into Wells Fargo (WFC) and JPMorgan Chase Co (JPM). Cramer thinks these stocks can play catch-up and the companies are doing big share buybacks. Cramer has noticed a pattern in the markets where companies are reporting great quarters, selling off hard, then finding some bids and bouncing back. He noticed this action in Allegheny Technologies Inc (ATI) and Valero Energy Corp (VLO) and he thinks this same pattern could happen in Cummins Inc (NYSE:CMI). Cramer made bearish comments on Microsoft (MSFT) saying that the drop was justified. Vista is a year away and that leaves investors with little reason to buy the stock now.