We have a 10 million dollar retention budget this year. Marketing wants to spend all of it on our top 10% spenders, 500,000 accounts at 20 dollars each. You've found another group of mid-spend revolvers, also 500,000 accounts, with 15% attrition versus 4% for the top spenders. How should the money be split, and how do you convince marketing?

我们今年有1000万美元客户留存预算，营销想全给消费最高的前10%客户，50万户每户发20美元。你发现另一群中等消费的循环客户也是50万户，流失率15%，远高于高消费群的4%。这笔钱该怎么分？你怎么说服营销？