Downloadable software for automating insurance and financial services, namely, accounting, underwriting, policy issuance, policy protocol, billing and invoicing, rate calculation and comparison, claims management, and related reporting; downloadable software in the field of business management for use in customer relationship management (CRM); downloadable software in the field of advertising and marketing

Providing temporary use of on-line non-downloadable software for automating insurance and financial services, namely, accounting, underwriting, policy issuance, policy protocol, billing and invoicing, rate calculation and comparison, claims management, and related reporting; providing temporary use of on-line non-downloadable software in the field of business management for use in customer relationship management (CRM); providing temporary use of on-line non-downloadable software in the field of advertising and marketing