We had different lists to market to, and different lists to use as suppression to not market to.
The suppression lists included dead people, prisoners, etc. It also included current customers, and the current customers were divided between regular and special. The special included shitload of people that got gift loans, very low interest, great terms, etc. Many members of congress were on that list.
Public knowledge.
Sorry Ash, I have no special knowledge to be used to reshape the world, I merely am trying to outlast its implosion.