There is an argument that I would like to fully understand, but I can't see it, yet.
Here is the situation: Given smooth manifolds $X$, $Y$ and $Z$ and transverse maps $f:X\rightarrow Z$, $g\rightarrow Z$, then the fibered product $M:=X\times_{f=g} Y$ is well defined. In fact, it is given by points $(x,y)\in X\times Y$ such that $f(x) = g(y)$. In other words, it is the preiamge of the diagonal $\Delta_Z\subset Z\times Z$ of the map $F=(f,g): X\times Y\rightarrow Z\times Z$.
I am looking for an expression for the tangent bundle $TM$ using the language of $K$-theory (i.e. a virtual bundle). I have read the following argument: The normal bundle of $\Delta_Z$ in $Z\times Z$ is isomorphic to (the pullback of) $TZ$, so it follows that the tangent bundle of the fibered square is $TM = TX+TY - f^*TZ$.
It must have something to do with the transversallity of $f$ and $g$ but I can't fill in the details. Any help is appreciated:)