In 2019, an article in the Wall Street Journal noted that the federal government’s Office of the Comptroller of the Currency had said about Wells Fargo bank, “We continue to be disappointed with . . . its inability to execute effective corporate governance and a successful risk management program.” According to the article, a senior member of Congress “suggested the bank should be downsized because it was too large to manage.” After reading this article, a student remarks: “It seems that Well Fargo is suffering from diminishing returns.” Briefly explain whether you agree with this remark.