Label each case as describing either data mining (DM), or the use of the results of data mining (Use) and briefly explain your reasoning.

A) Choosing customers who are most likely to respond to an on-line ad.

B) Discovering rules that indicate when an account has been defrauded.

C) Finding patterns indicating what customer behavior is more likely to lead to response to an on-line ad.

D) Estimating the probability of default for a credit application.