I get that, but Wells Fargo didn’t just have a major merger did it? The real problem with the mergers is that the system are too complex for the analysts and a

I get that, but Wells Fargo didn’t just have a major merger did it? The real problem with the mergers is that the system are too complex for the analysts and architects to understand, and the software mirrors that. The knowledge is also distributed across a huge array of people that have no reason to change the status quo to keep their knowledge valuable to the bank.