41 Education services, namely, organizing and presenting seminars, courses and discussion forums in the field 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, and providing a library and reference services, namely providing documentation and technical application reference documents for the foregoing fields; education services, namely organizing and presenting seminars, courses and discussion forums in the field of computer software applications for speech, speaker, voice and/or language recognition 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