Suppose you are working as a consultant for an internet retailer to help them develop an integrated customer management program. As part of the broad endeavor, the firm had introduced an in-house credit card (e.g. Amazon Visa Card) two years ago. However, senior management has raised doubts about the effectiveness of this program due to its limited penetration. The firm currently has 58 million customers and you are provided with a random sample of approximately 100,000 customers