GROUP 1

All Users (Active And Opted-In)
Sends email to all users, regardless of product, where :
- user status is Active ('A')
- user is still opted in to receiving email (opted_out = 'N')

Users with Access To No Products
Sends email to users where:
- user has access to NO products at all (won't be included if they have access to even 1 product)
- user status is 'A' (Active)
- user is still opted in to receiving email (opted_out = 'N')