A recent poll conducted by the Society for Human Resource Management indicated that 60% of the companies surveyed conduct credit background checks for some or all job candidates. Many companies use job candidates' credit scores (scores that indicate the individual's prior record of handling debt) as potential indicators of the candidates' level of responsibility and likely job performance. A 2011 study by Bernerth, Taylor, and Walker found a significant positive correlation between individuals' credit scores and their job performance: Higher credit scores were associated with higher job performance. This finding:
a. Can be used by companies to support their use of credit score as a factor in hiring.
b. Will be meaningless and useless until a causal model that explains it has been proposed and tested.
c. Is not a fact because no causal model has been proposed and tested.
d. Makes no sense because the causal model B-->A cannot be valid.
e. b and c