There are four key types of data analytics: Descriptive, which answers the question, "What happened?" Diagnostic, which answers the question, "Why did this happen?" Prescriptive, which answers the question, "What should we do next?" Predictive, which answers the question, "What might happen in the future?" The ability to predict future events and trends is crucial across industries. Predictive analytics appears more often than you might assumefrom your weekly weather forecast to algorithm-enabled medical advancements. (Cote, 2021) State how predictive data analytics can be useful in HR, Marketing, Finance or Operation Management in organizations. Describe some of the challenges of setting a predictive data analytics culture throughout an organization. (Please use your example above)