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? Write your responses in detail with examples. Be sure to identify the source of your example in your posting. Agree and explain why you agree. Respectfully disagree and explain why you disagree. Offer an opinion with an example to support it. Propose an idea or a suggestion. Tell a related personal story. Respond to classmates’ or instructor’s questions. 

Pose a question and be sure to include your own answer as an example. 

Explain how the discussion question connects to real-life experiences.