Scenario: Smallville Mortgage, a multi-office mortgage firm headquartered in Kansas, USA, is operated by Martha and Jonathan Kent. Lois Lane, newly assigned as project lead, is working on a customer churn reduction initiative. To achieve this, Lois needs to perform a counterfactual what-if analysis, allowing her to identify features that could transform a churning customer into a returning one. Question: Which solution should Lois select to perform counterfactual analysis effectively?