Abstract: A cargo restraint system for securing cargo on a truck bed of a truck is provided. The cargo restraint system includes a cargo retaining sheet having first and second end portions and an interior sheet portion disposed between the first and second end portions. The first and second end portions extend parallel to a longitudinal axis of the cargo retaining sheet and are spaced apart from another and form first and second apertures, respectively, therein. The cargo restraint system further includes a first adjustable length strap that extends through the first aperture in the cargo retaining sheet and is attachable to the truck. The cargo restraint system further includes a second adjustable length strap that extends through the second aperture in the cargo retaining sheet and is attachable to the truck.

Abstract: Systems and methods for multi-source reference class identification, base rate calculation, and prediction are disclosed. The systems and method can guide on, then elicit, information about reference class identification on a case-by-case basis, connects to a database in order to calculate historical base rates according to user reference class selections, and collect additional quantitative and qualitative information from users. The systems and methods can then generate predictive estimates based on the combination of the inputs by one or more users.