From the case about Chase Sapphire we learn that: Given Porter's Five Forces, the power of Chase card substitutes - cash and pre-paid debit cards is low Chase uncovered a vital customer target, Millennials, using behavioral and psychographic segmentation. Chase's creation of Sapphire substantively reflects the principles of Lean Development and Design Thinking "b" and "c" are correct "a", "b," and "c" are correct