9 Downloadable computer software for analyzing driver behavior and assessment of vehicle driving skills, namely, providing four key performance indicators scored daily, namely, rapid acceleration, speeding, hard braking and idling; Providing performance scores viewed on Mobile Manager tablet application to recognize safe driving and provide individualized coaching to drivers; Downloadable software in the nature of a mobile application for analyzing driver behavior, assessment of vehicle driving skills, and managing risk related to driving; Telematics apparatus, namely, wireless devices that provide telematic monitoring services related to driving