Your CEO comes to you armed with the latest earnings results of a major competitor. He shows you that they reported returns on their creditcard division that were close to 25 percent while your bank's returns on this asset class have been hovering around 15 percent. The competitor's credit-card guidelines allow borrowers to have credit scores less than 600 while your program requires a minimum of 720. What message might you provide to your CEO and what type of bias may he be reflecting?