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How did competition from money market mutual funds affect traditional savings institutions that provided mortgages at fixed interest rates? Beginning in 1981, plot the ratio

How did competition from money market mutual funds affect traditional savings institutions that provided mortgages at fixed interest rates? Beginning in 1981, plot the ratio of retail money market mutual funds (FRED code: WRMFSL) to the sum of savings and time deposits at savings institutions (FRED codes: SVGTI and STDTI). What favored money funds in the 1980s and 1990s? Why did the ratio shrink in the first half of the 2000s?

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