Dan Steinberg Nicholas C. Cardell John Ries Mykhaylyo Golovnya Using TreeNet to Cross-sell Home Loans to Credit Card Holders. 32-45 2008 4 IJDWM 2 http://www.igi-pub.com/articles/details.asp?ID=7925 db/journals/jdwm/ijdwm4.html#SteinbergCRG08