1. A system, comprising: a database; a computer system having read and write access to said database; and wherein said database stores a plurality of consumer records including a first consumer record for a first consumer; wherein said first consumer record stores: (1) CID data (consumer identification data) indicating a first consumer CID for said first consumer; in association with said first consumer CID, at least the following: (2) transaction data in a first transaction class field indicating items transacted by said first consumer in a first transaction class during a first prior time period; (3) predictive data in a first predictive field indicating at least one of a ranking, a probability, and a prediction that said first consumer will transact in a first correlated class during a correlated time period, and wherein said correlated time period is subsequent in time to said prior time period.