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Financial advisory services, namely, providing financial information, budget planning, debt reduction counseling and investment planning services based on analysis of a borrower's credit, debt and financial information to identify debt products for lowering borrowing costs and for creating personalized budget and investment strategies for achieving financial goals, namely, wealth creation and reduced borrowing costs; providing an on-line computer web site that provides financial information, financial analysis and financial advice services; financial analysis, namely, debt reduction and management, mortgage and budget planning; financial services, namely, mortgage and loan planning; financial services, namely, mortgage and loan planning via the Internet; on-line financial planning services; providing a web site featuring personal financial information and financial advice