42 Providing online nondownloadable software for generating proposals and responding to requests for proposals in the field of employee benefits; Providing online nondownloadable software for modeling employee benefit plan offerings; Providing online nondownloadable software for sales of employee benefits programs such as health and supplemental insurance; Providing online nondownloadable software for making employee benefit coverage change recommendations; Providing online nondownloadable software for managing health care, insurance, and medical information; Providing online nondownloadable software for providing access to patient and insurance information