In June 2025, the U.S. housing market showed signs of quiet recalibration. Total home sales slipped slightly to 445,000 units—down just 1,000 from May. But beneath that national flatline, regional and state-level shifts reveal a more dynamic story. New home sales nudged downward, while existing home sales essentially held their ground. Inventory rose. Buyer activity […]
In June 2025, the U.S. housing market showed signs of quiet recalibration. Total home sales slipped slightly to 445,000 units—down just 1,000 from May. But beneath that national flatline, regional and state-level shifts reveal a more dynamic story. New home sales nudged downward, while existing home sales essentially held their ground. Inventory rose. Buyer activity […]
If you’re administering Vehicle Service Contracts, VSC cancellations aren’t just noise—they’re a direct hit to profitability. Refund exposure. Margin compression. Loss ratio volatility. Whether contracts are sold direct-to-consumer or through dealerships, VSC cancellations are a real and rising cost. And yet, most administrators aren’t actively tracking how, when, and where these VSC cancellations are happening. […]
If you’re selling Vehicle Service Contracts (VSCs) directly to consumers, you’re operating in a high-cancel environment. Many marketers see 40–80% of contracts cancel, and flat cancels—those within 30 days—are especially painful. They erase margin, trigger chargebacks, and undermine performance metrics. But not all VSC cancellations are created equal. Contracts that cancel later are far more […]
Home sales in May 2025 reflected a market at a crossroads—nudging upward in some areas while falling back in others. On the surface, total U.S. home sales climbed to 446,000 units, up from 414,000 in April. That 7.7% month-over-month bump sounds like momentum. But look closer, and the picture’s more complex. Behind the headline numbers […]
Home sales climbed in April—but momentum is still hard to come by. New construction helped lift total volume, while existing home sales ticked up seasonally. Yet under the surface, familiar constraints continue to shape the market: high mortgage rates, weak affordability, and a growing disconnect between buyers and sellers. Across both segments, inventory is rising. […]
Home sales across the U.S. jumped in March 2025, signaling a typical spring bounce in buyer activity—but that momentum was layered atop a still-fragile foundation. Compared to February, total home sales rose by more than 20%, with gains across both new and existing home categories. However, viewed in the broader context of persistent affordability issues, […]
In October 2024, 1.31 million new vehicles were estimated to have been sold across the United States.
The Challenge Our client, an investment bank, often constructs cancellation and claims frequency and severity curves for their clients’ financial products. These curves are critical for predicting future cancellations, claim timing, and severity. However, the process is labor-intensive, requiring significant time and manual effort to build each curve from raw data. Updates are even more […]
Our client, a direct-to-consumer marketer of financial products, faced a hidden challenge that was significantly impacting their marketing efficiency and profitability. By purchasing mailing data from multiple vendors, they were unintentionally remailing the same potential customers—resulting in wasted resources and missed opportunities. With a direct mail database of 18 million records, the inefficiencies were costing […]