1. A computer system for selecting prospects for insurance marketing activities, the computer system comprising: a processor; and a memory in communication with the processor and storing program instructions, the processor operative with the program instructions to: store at least one equation, said at least one equation defining a predictive model responsive to a plurality of independent variables and a plurality of parameters, and having an associated error component, the error component including a spatial error component; evaluate said parameters to parameterize the predictive model in such a way as to reduce the error component; apply the parameterized predictive model to a data set, the data set representing a universe of potential prospects for insurance marketing activities; generate, based on results of applying the parameterized predictive model to the data set, a list of selected prospects, said list of selected prospects representing a subset of said universe of potential prospects; and output said list of selected prospects.