9 Computer servers; Downloadable cloud-computing software for managing the use of patient observation data to predict medical needs; Downloadable cloud-computing software for customer monitoring that predicts the healthcare needs of individuals with and without medical conditions; Downloadable cloud-computing software for A mobile phone that is intended for measuring and uploading user information to the Internet concerning the time and date, heart rate, location, global positioning, direction traveled, distance traveled, altitude, speed traveled, steps taken, step pattern, pattern activity, calories burned, navigational information, weather information, the temperature, and yaw, pitch and roll gathered from a gyroscope as well as data from an accelerometer