=+Like all credit and charge card companies, this company makes money on each of its cardholders’ transactions. Thus, its profitability is directly linked to card usage. To increase customer spending on its cards, the company sends many different offers to its cardholders, and market researchers analyze the results to see which offers yield the largest increases in the average amount charged.

On your disk (in the file Credit Card Bank) is part of a database like the one used by the researchers. For each customer, it contains several variables in a spreadsheet.