9 Computer software and instruction manuals, sold as a unit, for use in creating and implementing decision processes using modeling, scoring, and analytics in the fields of marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management, and data management, communications software for connecting global computer networks; computer software development tools for use in creating and implementing decision processes using modeling, scoring, and analytics in the fields of marketing and solicitation, account origination, account management and customer management, risk management, portfolio management, communications management, data management, and fraud management