As a manager at a major insurance company, Meredith asks two of her analysts to help answer two separate questions regarding a recent car insurance client. She asks the first analyst, Darryl, to predict the likelihood that the client will be in an accident in the next five years using demographic characteristics (e.g., the client's age, education, etc.). She asks the second analyst, Amanda, to predict the effect of a 10% cut in the client's premium on the likelihood that the client switches providers in the next three years. Which analyst is making an active prediction? Why?

Your responses should be detailed with examples, references and correct citations. Be sure to identify the source of your example in your posting.