9 Computer software for use in the health and insurance fields for online enrollment and administration of employee benefits and for electronic commerce applications, namely, for processing referrals, authorizations, billing and payment; downloadable software for use in the health and insurance fields to permit practitioners to transmit and receive patient and payor information, namely, authorizations, billing and payment, and clinical and laboratory information, namely, orders and outcomes; downloadable software for healthcare practitioners to use in analyzing and creating fee schedules, billing audit and compliance review, dictating and transcribing, and collecting and sorting fax, voice, e-mail and interactive electronic messages