Banks used to be safe and limited by the government, earning income from loans and credit interest. However, new companies offered innovative products that banks could not provide. As a result, large companies abandoned banks and 95 banks closed by 1985. To adapt, banks lifted restrictions, changed employee roles to focus on sales of new products, and altered their training and language to shift their image and internalize this change. Habits and routines provide comfort but can also inhibit change, so changing language and culture was important for banks to evolve with the changing financial industry.