1. A method of providing a quote comprising: receiving billing data from a user, the billing data including information of a provider, a location, and a total bill amount; calculating a complex usage pattern based on the billing data and a statistical data for the location, wherein said complex usage pattern is calculated using a customized multiplier, and wherein said customized multiplier is a factor of statistics for a location of said user and a modifier for a peculiarity of a time-frame of a bill; and calculating a competitive bid for the user, based on the complex usage pattern and a pricing structure of the provider.