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Making decisions about which people or organizations to recruit and which offers to extend is vital and affects whether an organization is successful or not. However, it is increasingly difficult to create a refined decision process that is rooted in understanding each individual customer and making fast and relevant offers. It is necessary to access and analyze a variety of data sources and to find the right offer among myriad combinatorial possibilities. This complex process requires advanced technology to help companies leverage data to balance risk versus return and win the best customers with the best offers.