42 Providing a web site featuring temporary use of non-downloadable software for conducting sweepstakes, contests, games and other incentive and loyalty-based reward programs, and for providing instruction, information and quizzes in the fields of paperless and electronic payment solutions, financial products and services, personal financial management, nutrition, health care, career advancement and other aspects of daily living that may enhance quality of life; Platform as a service (PAAS) featuring computer software platforms for conducting sweepstakes, contests, games and other incentive and loyalty-based reward programs, and for providing instruction, information and quizzes in the fields of paperless and electronic payment solutions, financial products and services, personal financial management, nutrition, health care, career advancement and other aspects of daily living that may enhance quality of life; Software as a service (SAAS) services featuring software for conducting sweepstakes, contests and other incentive and loyalty-based reward programs, and for providing instruction, information and quizzes in the fields of paperless and electronic payment solutions, financial products and services, personal financial management, nutrition, health care, career advancement and other aspects of daily living that may enhance quality of life; Providing a website featuring technology that enables users to receive instruction and information in the field of paperless and electronic payment solutions, financial products and services, personal financial management, nutrition, health care, career advancement and other aspects of daily living that may enhance quality of life