9 Downloadable software for accounting, tracking and managing time, expenses, and mileage, creating, sending, managing, and factoring invoices, planning for, estimating, preparing, paying, and managing taxes, communicating with tax professionals and accountants, accessing and managing bank accounts, cryptocurrency accounts, and lines of credit, enrolling in and managing insurance and benefits plans, accessing credit score information, accessing and reviewing alerts, reminders, and tips regarding financial best practices in the field of financial and administrative management for individuals, freelancers, self-employed individuals, and small businesses; downloadable electronic publications in the nature of blogs, white papers, research papers, analysis reports, articles, and newsletters in the field of finances and taxes