42 Development of customized software for others for use in risk assessment, information security, business analysis, audit and audit planning, and sales management; Providing temporary use of on-line non-downloadable software for account auditing, insurance and medical claims auditing, medical coding, medical record-keeping, financial record-keeping, and interactive record-keeping for use in risk management and regulatory compliance by insurers and professionals in the medical field; Software as a service (SAAS) services featuring software for capturing, reporting, measuring, and viewing healthcare effectiveness data; Software as a service (SAAS) services featuring software for performing risk adjustment, modeling, and reporting for medical, regulatory, and insurance purposes