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(50 points) J&G Bank receives a large number of credit card applications each month, an average of 30,000 with a standard deviation of 4,000, normally distributed. Approximately 60% of them are approved, but this typically varies between 50% and 70%. Each customer charges a total of $2,000, normally distributed, with a standard deviation of $250, to his or her credit card each month. Approximately 85% pay off their balances in full, and the remaining incur finance charges. The average finance charge has recently been ranged from 3% to 4% per month. The bank also receives income from fees charged for late payments and annual fees associated with the credit cards. This is a percentage of totally monthly charges and has varied between 6.8% and 7.2%. It costs the bank $20 per application, whether it is approved or not. The monthly maintenance cost for credit card customers is normally distributed with a mean of $10 and standard deviation of $1.50. Finally, losses due to charge-offs of customers' accounts are between 4.6% and 5.4% of total charges. Use Monte Carlo simulation with 50 trials to analyze the profitability of the credit card product.