Five years ago the world-wide-web was horrified at the concept of usable user data. Today every business from high fashion to the local laundry-mat wants to know how to convert customers via predictive intelligence. Technology is gearing up to meet a Big Data conundrum, as marketers wring their hands awaiting the golden ring that signifies an R-O-I bonanza. But at this stage of trend analysis, most experts agree that the analytics ship has not yet arrived. Here’s a succinct look at where we really are.