ALM.

Downloadable electronic publications in the nature of books, journals, directories, pamphlets, newspapers, newsletters, magazines, and reports in the fields of law, insurance, finance, real estate and employer-sponsored retirement and insurance benefits; downloadable electronic publications in the nature of research reports and business content analyzing market trends, business to business service providers, business strategy and operation related risks in the fields of law, insurance, finance, real estate and employer-sponsored retirement and insurance benefits; digital materials, namely, downloadable audio files, text files, multimedia files featuring educational course materials and reports in the fields of law, insurance, finance, real estate and employer-sponsored retirement and insurance benefits; downloadable webinars, web and podcasts in the fields of law, insurance, finance, real estate and employer- sponsored retirement and insurance benefits; downloadable computer software application for authorizing access to databases featuring news and information in the fields of law, insurance, finance, real estate and employer- sponsored retirement and insurance benefits