9 Data processing apparatus; Computer memory devices; Computers; Recorded computer programmes for managing business, insurance risk; Computer operating programs, recorded; Recorded computer software for managing business of an insurer; Interfaces for computers; Pre-recorded magnetic data computer media in the field of insurance; Pre-recorded optical data media in the field of insurance; Blank smart cards; Electronic publications, downloadable in the nature of books, e-books, newsletters, manuals, magazines, pamphlets, newspapers, brochures, journals, texts, audio files and video files in the fields of film, music, art, culture, computer software and computer hardware; Computer programs for managing the business of an insurer; Computer software applications, downloadable for managing the business of an insurer