You are the head of credit card risk management and your analytics team has provided you with information suggesting that a major metropolitan area is likely to suffer a major decline in its economy with the announced withdrawal of two of the largest companies operating in that area. Your risk policy manager recommends in the latest Risk Management Committee meeting to impose limits on credit card usage and to sharply limit card approval to low- and moderate-income customers. The risk committee includes all of your direct reports, the CFO of the line of business, and the head of marketing. How would you characterize this scenario against the integrated risk management concept?