“Yes. Well, I think we're wise to do that. When it comes to the card side, I'd say, flattish.”

In context

“d $3 billion. So, we have a room on the consumer side and on the commercial side for further loan growth as the -- as people sort of normalize their behaviors and activities. And now you all read about the car industry, the line uses a car. Car auto dealers is really low and it's just, as an example, they can't keep enough inventory on the line. Ken Usdin: Got it. And one follow-up on the fee side. I know investment banking and trading are going to be hard to forecast. But just any thoughts on some of the consumer-related and brokers-weighted fee areas? There's been some underlying moving parts there. Just can you talk about just the growth trajectory of some of those fee areas? And I guess, we'll just kind of leave the IB trading, so we'll see what happens in the markets. Brian Moynihan: Yes. Well, I think we're wise to do that. When it comes to the card side, I'd say, flattish. We're managing to the total client relationship there. That remains something that we're focused on total we'll see some growth there. We'll see it in balances. We'll see it in NII mostly, and we'll see it in detail in elsewhere. On the asset management side, mostly it will be around market levels. So, we'll follow that, as you will, closely. And a little bit of net new household growth and flows growth again this year. So, that's how we're thinking about it. But I would say across all kind of flattish slightly, maybe slightly up. The only one thing to bear in mind is just as a reminder, on insufficient funds and overdraft. Just remember that those that started to kick in in February, and the remainder will pass through in March. So that's probably like -- sorry, May, and that's probably”