With newer purchasing patterns, many consumers do not carry cash, solely relying on credit and debit cards. Given this, imagine the amount of information your bank knows about you. Using database technology, companies can target individuals based on their spending patterns using A. learning relationships B. permission marketing C. behavioral targeting D. response lists E. prospecting Which of the following has been outlawed by national "Do Not Call" laws? A. Inbound marketing B. Cold calls C. Opt-in calls D. Telephone databases E. Spam