Which two of the following are examples of an organization using big data and analyzing predictive behavior with the goal of creating new offerings?
a. A retail company using customer purchase history to anticipate future buying behavior and personalize product recommendations
b. An online streaming service analyzing user viewing patterns to develop new content tailored to viewer preferences
c. A healthcare provider leveraging patient data to predict potential health issues and offer personalized wellness plans
d. An insurance company using data from past claims to anticipate and prevent future risks for policyholders