9 Computer programs for automating and managing accounting, under writing, policy issuance, policy protocol, policy processing, rating services, network services, billing and invoicing, client service, rate calculation, rate comparison, claims processing, form generation, report generation, data exchange, data analysis, marketing, client relationship management, office workflow management, electronic interface, manage leads and lead generation services, facilitating access to customer accounts through an electronic user interface, transferring data to discrete information systems to obtain insurance policy premium quotations, and converting customer data into a data format accepted by one or more insurance carriers, all in the insurance and financial industries