Application service provider (asp) and software-as-a-service provider (SaaS) featuring non-downloadable computer software for storing, integrating, evaluating, analyzing, manipulating and reporting data and information in the field of human resource management, risk management, employee benefits, health care management, disability management and claims reporting; computer software development and customization; maintenance and updating of computer software; providing temporary use of online nondownloadable software for the collection, editing, organizing, modifying, book marking, transmission storage and sharing of data information