At the turn of the century, U.S. companies were beginning to hear about GLMs and how the use of predictive modeling would revolutionize the way companies viewed their rating plans. In the past five years we have seen more changes to rating plans than in the prior 50 years, mostly due to predictive modeling. However, the use of this powerful tool does not stop here. This session will discuss some of the additional applications of predictive modeling beyond the typical class plan analysis.