Did you read the document? They use psychological tactics combined with an outrageous amount of your personal data in order to market to you. Let's supposed you just had a child or spouse die, more specifically, you were just widowed. They will be able to garner that fact from your spending habits or public records (or perhaps FB data) and combine it with all the other info they have on you, and then might try to sell you some shady investment or insurance. Their job is to get you to buy something you don't need. They're working on it while you sleep. Many people are not adequately equipped to resist their tactics.