9 SOFTWARE USED TO CREATE INFORMATION TECHNOLOGY SOLUTIONS FOR THE FINANCIAL SERVICES INDUSTRY, NAMELY, SOFTWARE FOR FINANCIAL DATA ANALYSIS AND REPORTING; CUSTOMER INFORMATION AND RELATIONS MANAGEMENT SOFTWARE, NAMELY, SOFTWARE USED FOR COLLECTING, ORGANIZING AND ANALYZING CONSUMER DATA; DATABASE SOFTWARE, NAMELY, SOFTWARE USED FOR DATABASE MANAGEMENT; COMMUNICATIONS SOFTWARE, NAMELY, SOFTWARE USED FOR TRANSMITTING ELECTRONIC MESSAGES, VOICE MESSAGES, DATA, AND FACSIMILES, AND FOR CONNECTING TO THE INTERNET; INTERNET INFORMATION MANAGEMENT SOFTWARE, NAMELY, SOFTWARE USED FOR MANAGING ACCESS TO INFORMATION SOURCES PROVIDED OVER THE INTERNET; WORKFLOW ENGINE SOFTWARE, NAMELY, SOFTWARE USED FOR MANAGING COMPUTERIZED BUSINESS PROCESSES; BUSINESS RULE ENGINE SOFTWARE, NAMELY, SOFTWARE USED FOR DESIGNING COMPUTERIZED BUSINESS PROCESSES; LOGGING ENGINE SOFTWARE, NAMELY, SOFTWARE USED FOR CONTROLLING ACCESS BY CUSTOMERS TO DATA AND REPORTING THEREON, ALL OF WHICH SOFTWARE IS MODULAR IN NATURE AND WRITTEN IN A LANGUAGE WHICH IS COMPUTER-OPERATING-SYSTEM-INDEPENDENT FOR USE IN ANY WEB BROWSER AND COMPUTER OPERATING SYSTEM