9. You have been hired recently by a large bank in its credit card marketing division. The bank has relationships with a large number of universities and prints a wide variety of credit cards featuring university logos, images and the like. You have been asked to oversee the implementation of a new program targeting the first-year students at the universities with which the bank has a relationship. The bank has already purchased the names and home addresses of the incoming students. You have been told that no credit checks will be required for these cards as long as the student is over 18 years of age. The bank plans a first day of semester marketing blitz that includes free hats, T-shirts and book promotions, as well as free pizza, if the students simply fill out an application. Do you think it is a good idea to target this program to these new students?