Abstract: A computer has a processor and nontransitory memory. The computer receives a list of search keywords to propose to a search engine. For search keywords that are too infrequently used to have historical data to estimate keyword performance, the computer computes linguistic similarity between the sparse-data keyword to other keywords that have sufficient historical keyword performance data to permit a statistically sound estimate for keyword performance. The estimates are submitted to a search engine, and updated by grouping the sparse-data keywords into groups, including at least a high-performing group and a low-performing group, and reallocating budget from the keywords of the low-performing group to keywords of the high-performing group, by reducing estimates for keywords of the low-performing group and increasing estimates of keywords of the high-performing group.

Abstract: A method of dynamically setting pricing rates for an insurance product includes observing the demand behavior of customers and assigning the customer to a pricing tier based at least in part on the observed demand behavior of the customer as compared to historical demand behavior of customers in a same market segment. Empirical data or statistical data of customer demand behavior is analyzed to adjust pricing tiers and market segments.