Downloadable computer software platforms for application development; computer software application, namely, downloadable computer software for producing financial models; downloadable software in the nature of application software for evaluating jobs and benefit plans, creating and maintaining employee pay structures, evaluating employee performance, conducting data analysis to develop fair base pay programs, and for modeling, recording, organizing, calculating, reporting, displaying, analyzing, predicting, and updating actuarial data, financial data, business data, and human resources data, all for use in the fields of human resources, employee compensation and benefits, pension and retirement plans, insurance, health care plans, dental plans, prescription plans, investments, payment processes, finance and administration, financial planning, personnel management, workforce effectiveness, and rewards management; downloadable software in the nature of application software for benefit plan selection and utilization decision support for employees, job candidates, employee family members, managers, retirees, other alumni, HR and other HR consumers; downloadable software in the nature of application software to aggregate health plan, financial plan, talent programs and work experience services across the digital workplace for employees, job candidates, employee family members, managers, retirees, other alumni, HR and other HR consumers; downloadable software in the nature of application software that leverages artificial intelligence to drive targeted messaging through mobile notifications, email, SMS and online action items for employees, job candidates, employee family members, managers, retirees, other alumni, HR and other HR consumers; downloadable software in the nature of application software that uses natural language processing to interact with employees, job candidates, employee family members, managers, retirees, other alumni, HR and other HR consumers; downloadable software in the nature of application software that delivers mobile application services for employees, job candidates, employee family members, managers, retirees, other alumni, HR and other HR consumers; downloadable software in the nature of application software for use in providing health and welfare, defined benefit, defined contribution, share plan and wellness incentive administration services for employees, job candidates, employee family members, managers, retirees, other alumni, HR and other HR consumers; downloadable software in the nature of application software for use in risk management, risk evaluation and strategic planning, data analysis, data computation and data organization; downloadable software in the nature of application software for providing engagement analytic services related to health plan, financial plan, talent programs selection; downloadable software permitting download of electronic publications in the nature of periodicals, newsletters, reports, articles, guides, manuals, personnel policies, administrative forms and directories in the fields of human resources, employee compensation and benefits, pension and retirement plans, insurance, health care plans, dental plans, prescription plans, investments, payment processes, finance and administration, financial planning, personnel management, workforce effectiveness, rewards management, employee job evaluation, employer-employee communications, finance and administration, actuarial matters, and governmental and regulatory communications; downloadable software in the nature of application software for use in automation of tasks, creation of prediction models, and identifying inefficiencies in business models