36 PROVIDING INFORMATION ABOUT HOME FINANCE, AUTOMOBILE FINANCE, INSURANCE PRODUCTS, NAMELY, AUTOMOBILE INSURANCE, HOMEOWNERS INSURANCE, LIFE INSURANCE, PET INSURANCE, LONG TERM CARE INSURANCE, AND EMPLOYEE BENEFITS AND OFFERING HOME FINANCE, AUTOMOBILE FINANCE, INSURANCE, AND FINANCIAL QUOTATIONS AND RATES AND ON-LINE PRE-APPLICATIONS THEREFOR TO CONSUMERS VIA A GLOBAL COMPUTER INFORMATION NETWORK AND VIA A TELEPHONE