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Sagent offers a number of examples where this model has been successfully applied. In the U.S. insurance industry, Sagent has helped 14 of the top 20 property and casualty companies dramatically improve combined ratios by systematically managing underwriting risk and by matching insurance product offerings with customers based on geographic location. In the telecommunications industry, this same spatial analysis capability is being used with wireline and facility location data to pre-qualify customers for DSL service. In the Federal Credit Union marketplace, Sagent has helped customers such as Boeing Employees Credit Union, Provident Central Credit Union and Hughes Aircraft Employees Federal Credit Union build complete views of their customers and replace their MCIF systems. Each of these implementations leveraged Sagent's subject matter expertise to rapidly deploy custom analytic solutions that addressed specific business problems.