4. AJ Financial (AJF) Group is reviewing its past performance and formulating its strategy for the future. The company sells financial products (life insurance, mutual funds, and certificates) as well as financial plans and advice to its customers. Last year, AJF had total revenue of $3.2 billion and variable cost of $2.5 billion. It had a customer base of 1.46 million. AJF also offers customized financial plans for its customers based on each customer's demographics and lifestyle. Currently 14% of its customers had customized financial plans, while 25% of new customers typically sign up for financial plans. Customers with plans buy 4.2 products; customers without financial plans purchase 1.9 products