Due to banking regulations, banks in the early part of the twentieth century were not allowed to nationalize, and thus many banks had most of their investments tied up in the agricultural sector. The Dust Bowl and retaliatory tariffs caused many banks to fail, particularly during the Great Depression Ignoring legal and restrictions $,$ what piece of advice would have served banks very well during this time $?$ employing compound returns diversification having more low$-$risk investments reducing the fees the banks charged on checking accounts