Read the case of the merger between Dime Savings Bank and Anchor $($Ch$.5).$ It was evident from the beginning that employees were positive about the merger yet confused about how things would work. While it seems that the Banks were able to work out a strategy, Figure $5\mathrm{.}3$ Detailed Scores, $1998$ Predictive Model for Dime showed a few lower than average ratings $(-).$

Considering the merger of the two banks, what would you attribute the lower than average ratings to$?$

$1.$ Select $3$ low scores $(-)$ and explain what you believe to be the reason for the scores.