You are assuming that the Cardinals at AP are more astute than Biggles and Fang. Why?

Seriously, I have said repeatedly that a smart company would take a summer intern and give him a big database of transactions with the personal information redacted and tell him to go wild with Excel and SQL and tell them how to identify and dump money-losing customers. But business doesn't work that way. There is always someone in sales or marketing who will **** their pants if you do anything to drive away customers. Remember, the motto is "We lose money on every customer, but we make it up in volume."

<== 35-year veteran of the insurance biz. And I do mean "veteran" with combat medals and scars to show for it.