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'; one+='Cross selling and up selling are core strategies that we recommend and implement for our customers. Our experience typifies our approach and can certainly be applied to the insurance category. In one cross-sell environment we have reduced cost per new account by 60% and cost per $1M generated by 55%. Our customer expansion strategy included the development of product choice models for specific consumer lending equity products such as line/loan products, that accurately rank-order and predict the best product offer. Examples are line/loan as well as LTV models to target base and 125 products.