Data Strategy & Applied Economics
Economic analysis for your business.
What Changes
A biotech CEO discovers that the $12M they're spending on patient acquisition is concentrated in the wrong geographies — and redeploys it before the next board meeting. A CRO at a $4B insurance rollup learns that their fastest-growing segment is also their highest churn risk — and restructures retention before it shows up in the P&L.
Carriers in the top growth decile have a 2.4x higher attrition risk than the network average. High-growth carriers hit the VCC payment threshold faster, triggering friction that pushes them to competing networks. Your highest-value acquisition targets need a different retention strategy than your stable base.
Nobody asked us to find this. It surfaced because an economist was inside the data — someone trained to look for causal structure, not just correlation. Someone who asks “why is this happening?” instead of “what does the chart say?”
A dashboard would have shown carrier attrition at 3.1%. It took an economist to see that the real number was 5.8%, masked by new servicer onboarding — and that the carriers leaving were the ones worth the most.
That's the difference between a reporting tool and a thinking partner. You get both.
How It Works
Within the first two weeks, your executive team will be asking different questions than they were before — because someone is inside the data reframing what's worth measuring. The business questions that actually drive decisions replace the ones that just fill dashboards.
Most clients tell us the discovery phase alone changes how their leadership team talks about the business.
The infrastructure gets built — pipelines, models, dashboards — but the outcome is that your team can finally answer the questions that used to end with “we don't have the data for that.” Pricing decisions, retention strategy, portfolio allocation — backed by evidence, not intuition.
Everything is built in your environment. You own it. It keeps running whether we're there or not.
The most valuable finding often surfaces in month four — after the data has been flowing long enough to reveal patterns nobody was looking for. Our ongoing advisory relationships exist because clients learned that having an economist watching their data is worth more than any single engagement.
One client's first post-engagement insight identified $5M in annual revenue at risk that wasn't visible in any existing report.
Perspectives
When the Fed moves, when a market shifts, when a regulation changes — Paul writes what it actually means for the industries his clients operate in. Not commentary. Analysis.
Published exclusively for Horizon clients. Log in to read.
Client Portal
Insights, dashboards, and analysis from your engagement — organized, shareable, and always current. The place your leadership team goes when someone asks “what did we learn?”
The most expensive insights are the ones you don't have yet.

Paul Karner
CEO & Founder · Ph.D. Economics
No pitch deck, games, or strings attached. We care and want to hear about the challenges you're facing. Let's spend a few minutes thinking together.