Some banks offer special accounts designed to attract junior high school students. these kids save in such small amounts that the accounts cost banks more to maintain than they are worth; however, bankers know that consumers are creatures of habit and hope that the young people they serve now will become adult customers. these banks recognize . that operational excellence is an important macro strategy. b. the lifetime value of customers. c. that product excellence leads to loyal customers. d. the importance of making decisions based on short-term results. e. that as long as customers bring in some revenue, costs do not matter.