I think your question, if I understand it and you kind of focus on that one area, but just what would we think about in terms of duration of assets and shifting maybe our focus from our asset growth perspective and it is kind of when the yield curve flattens, certainly strategies you end up looking at is emphasizing a little longer duration fixed rate sort of assets.

We’re trying to position to be there at those right times.Thank you. And as a reminder, we think the MAU growth typically perceives our top line growth.

Each week, we expand targeting to include designated marketing areas that move to the stable list.
We are fortunate and that we have a strong balance sheet. The other fees in the processing business are growing double-digits. I know there’s obviously — there remains a focus in bringing in advertising. Those tools are deployed.

Jernej Omahen — Goldman Sachs — Analyst.

At this time, I would … We would expect to see that kind of moderate in 2019, so there's a couple of different factors that are really driving that as we think about commercial product revenue.But it is a function of more of a moderation of the corporate spend as well as the renegotiation.
We're going to manage the company reflective and incorporating the revenue environment, so yes.Your next question comes from the line of John Pancari from Evercore. Obviously, we work very closely with them to make sure that we’re providing them the necessary return for their business, but we haven’t seen any material activities there.Okay.

We’re comfortable that our current capitalization and liquidity will provide us the financial flexibility to fully weather the economic downturn triggered by COVID-19 and continue with some prudent strategic investments. And I'm wondering, how we should think about whether or not the mix shift will continue? It’s driving good bank behavior, bank customer behavior. And she has done an exceptional job of keeping the company performing at a high level during this unprecedented environment we are in. And do you -- just to follow up on that, do you guys expect to kind of come out with something in the middle of this year or you're going to wait until the end of the year to get a full 12 months of the parallel systems and then obviously be very strong on the number that you know it's going to be?Yeah. You talked about the improving on the commercial side and reasonable pipelines, but just the nature of the loan growth that you're seeing in those pipelines. If you look at ending loan balances within commercial real estate, it's actually down a little bit. The beneficial revenue impact of compensating balances reflected in net interest income more than offset the decline in treasury management revenue.Turning to our payments business, we had double-digit growth in credit and debit card revenue and corporate payments products revenue, each afforded by higher sales volumes. Disciplined credit underwriting is the hallmark of this company and one that has differentiated our credit performance over the entire business cycle.

Neither the information nor any opinion expressed in this transcript constitutes a solicitation of the purchase or sale of securities or commodities. Strong payments revenue growth reflected higher sales volume across the board in retail card, corporate payments and merchant acquiring. While it’s certainly challenging times, we continue to be super impressed with how our team is operating through all this. Ken, this is Terry. We are working closely with many marketers across all of our verticals to plan how we could help them restart their businesses. How you're thinking about M&A right now?So Saul. I had two questions.

Also, during the last several months, the competitive environment has shifted a bit, providing more lending opportunities that meet our disciplined underwriting criteria.Turning to Slide 6, deposits increased 1.3% on a linked quarter basis.