The article introduces a new method to analyze data with covariates at different levels, like in medical or financial studies. Traditional methods may give wrong results by not considering how these covariates affect the data. The new method, called Tweedie compound Poisson model with covariate-dependent random effects, takes into account these covariates to provide more accurate results. The researchers tested their approach on data from a study of 409 adolescents from 269 families, showing that their method works well in practice.