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High Quality Content by WIKIPEDIA articles! Test and Learn has been systematically applied as far back as 1988 by Capital One. Capital One has been aggressive about testing since the firm was founded, testing everything from product design to marketing to customer selection to collection policies. In a single year, the company performs tens of thousands of tests, allowing it to offer thousands of different types of credit cards to customers, based on the knowledge gained from their tests. Richard Fairbank, CEO of Capital One, called test and learn "a marketing revolution that can be applied to many businesses".