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In the 1980s, banking deregulation took place, triggering a revolution in the sector. The industry's conventional profit margins were at an increased risk. Seeing the changes coming, the Wells Fargo management team focused on cutting is priced. They recognized that banking was becoming a commodity business, with thinner profit margins than before you. "Run it like you own it," became their mantra. In contrast, BofA reacted at a slow pace. The country Club culture prevailed. Not one person challenged the status quo. The outcome? Over a span of fifteen years between 1983 and 1998, Wells Fargo's stock smashed BofA's by 500 percent.

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