9 ACCOUNTING SOFTWARE; INTEGRATED SYSTEMS AND MANAGEMENT SOFTWARE FOR USE IN THE HEALTHCARE, FOREIGN TRADE, MORTGAGE LENDING AND FACTORING INDUSTRIES; FINANCIAL SOFTWARE FOR BILL COLLECTION AND BUSINESS MONITORING SOFTWARE FOR SALES AND PURCHASING; HUMAN RESOURCES SOFTWARE FOR MONITORING OF PERSONNEL WITH REGARD TO SALARY, ABSENTEEISM, PROFESSIONAL DEVELOPMENT, HIRING NEEDS, AND EMPLOYEE EVALUATIONS; PRIVATE HEALTH INSURANCE SOFTWARE FOR MONITORING RECEIVABLES, BILL COLLECTION, ACCOUNTING, APPLICABILITY OF HEALTH PLANS TO PARTICIPANTS, COSTS AND FEES, AGREEMENTS WITH MEDICAL PROFESSIONALS AND SICK LEAVE CERTIFICATES