Cognalysis MultiRate™ is an exciting new predictive modeling tool that easily distills important relationships among variables. It is a valuable tool for actuaries, analysts, and others whose jobs depend on predictive modeling. Capable of analyzing large datasets, Cognalysis MultiRate™ utilizes sophisticated technologies, such as automated data grouping and smoothing, Variable Gradient Geospatial Smoothing based on ZIP Code, and more. A variety of tables, charts, and maps are produced during the iteration process and at its completion to assist the user with presentation and understanding of results.