Is Umpqua Bank using a concentrated, a differentiated, or an undifferentiated targeting strategy? How do you know? Identify the categories of variables used by Umpqua Bank to segment the business and consumer markets. What additional variables might help the bank define suitable segments for marketing attention? Do you agree with Umpqua Bank$$s decision to use a market test before launching its BFF app in the wider marketplace? Explain your answer.