41 Educational services, namely, conducting seminars and courses in the fields of computers and computer software applications for natural language, speech, speaker, voice and/or voice-print recognition, identification, authentication, validation, verification and processing and language recognition, and distribution of educational, tutorial and reference materials in connection therewith; educational services, namely conducting seminars and courses in the fields of computer software applications in the fields of banking and financial services transactions, telephone-based information services, secure commerce transactions, electronic commerce, point-of-sale and point-of-services transactions, travel services, telecommunications services, calling card and cellular telephone access, security, confidential information access, premises access and global information network web page access that utilize speech, speaker, voice and language recognition technology