What's really keeping banking supervisors up at night? It's not just one thing anymore. We're looking at a perfect storm brewing—geopolitical tensions fragmenting markets, demographic curves bending in unexpected ways, tech disruption accelerating faster than regulations can keep up, and cyber threats evolving daily. These aren't isolated issues. They're interconnected risks that could cascade through the financial system. The message from regulators is clear: constant adaptation isn't optional. Supervisory frameworks need to evolve as quickly as the threats themselves. Banks operating in this environment face a fundamentally different risk profile than even five years ago, and the oversight mechanisms have to reflect that reality.