U+ Bank decides to introduce a credit cards group by leveraging the Next-Best-Action capability of Pega Customer Decision Hub™. The bank wants to present the credit card offers through inbound and outbound channels based on the following criteria:

1. Customers must be above the age of 18 to qualify for credit card offers.

2. The site offers credit cards only if customers do not explicitly opt-out of any direct marketing for credit cards.

3. The Platinum Card, one of the credit card offers, is suitable for customers with debt-to-income ratio < 45.

As a decisioning architect, how do you implement this requirement? In the Answer Area, select the correct engagement policy for each criterion.