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NEW YORK ( TheStreet) -- Is Microsoft's ( MSFT) new music initiative enough to unseat Pandora ( P)? Jim Cramer told Debra Borchardt at TheStreet.com Monday that he thinks it is. Cramer said many pundits are viewing Microsoft's new music service as desperate, but in fact the company's 65 million Xbox community members are a strong and relevant group. He said the service isn't likely to affect Apple ( AAPL), a stock he owns for his charitable trust,