How Bank Oversight Failed: The Economy Changed, Regulators Didn’t 
Overseers paid insufficient heed to risks of falling bond values and fleeing deposits. Social media and selling by smartphone made that worse.
Below is an instruction that describes a task. Write a response that appropriately completes the request.

### Instruction: How Bank Oversight Failed: The Economy Changed, Regulators Didn’t 

### Response: Overseers paid insufficient heed to risks of falling bond values and fleeing deposits. Social media and selling by smartphone made that worse.