9 Computer programs and software that may be downloaded from, or accessed on a global or other computer network for use in insurance administration, claims adjustment, underwriting, and transacting business with insurance agents, transmitting applications for insurance, price quotes, endorsement forms for policy changes, customer policy information, customer claim information, insurance policy-related data, and customer- related data, processing premiums and other customer payments, and receiving customer information requests and referring them to networked agents, and instruction and user manuals therefor