Amy works as a director of new strategic initiatives at a major national bank. Recently, the government has been focusing on the issue that there is a very large population of low-income Americans who are underserved by banks and do not have basic banking products such as savings accounts or credit cards. Amy wants to address this issue, and she decided to form a product development team who will focus on designing a new product for this population.

Amy, however, is not very sure about how to form this team, so she decided to hire you to advise her. Explain to Amy the main points that she needs to consider in terms of team size, composition, and structure, and how those factors will affect new product development. Then, provide a clear suggestion to Amy on how she could size, compose, and structure the team for this project