Consultant and one of the best-known speakers on Workers Compensation Frank Pennachio opens the window to a concept that will be more and more prevalent in the years ahead:  Predictive Modeling.  Using his specialty, (W.C.) as a good example, Frank explains how the ability of insurers (and all of us) to use 'Big Data' is quickly influencing the insurance world into creating our own predictive analytics models. He shows how the recent and swift explosion of databases, inexpensive computer power and storage, and advances in data acquisition and aggregation from multiple sources is going to make a huge difference in deciding insurance rates and coverages… and in many others ways we do business.