Computer software for online data warehousing and data mining, and user manuals sold therewith as a unit; computer software for analytical processing and data analysis using predictive modeling to facilitate management of information; computer software for performing electronic business transactions via a secured global computer network; computer systems, namely data management systems comprised of software and hardware for use in accessing computer applications over a global computer network; computer software for access, management, and electronic transmission of data and documents via a global computer network