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TELECOMMUNICATION AND DATA COMMUNICATIONS APPARATUS SUPPORTING THE TRANSPORT OF VOICE, VIDEO, AND DATA SERVICES USING ELECTRO-OPTICAL TRANSPORT, DIGITAL TRANSMISSION AND DIGITAL MODULATION TECHNOLOGIES; COMPUTER HARDWARE AND SOFTWARE FOR INSTALLATION AND MANAGEMENT OF TELECOMMUNICATIONS DATA NETWORK EQUIPMENT; AUTOMATIC TELLER MACHINES; AUDIO VISUAL APPARATUS AND INSTRUMENTS, NAMELY LIQUID CRYSTAL DISPLAYS FOR AUTOMATIC TELLER MACHINES, LIQUID CRYSTAL DISPLAYS FOR BANKING MACHINES, LIQUID CRYSTAL DISPLAYS FOR POINT OF SALE TERMINALS AUTOMATIC TELLER MACHINES; SMART CARDS CONTAINING SOFTWARE APPLICATIONS AND APPLICATIONS SOFTWARE FOR SMART CARDS USED TO TRANSMIT USER AUTHENTICATION AND USER PERSONAL DATA OVER GLOBAL AND LOCAL COMPUTER NETWORKS; ENCODED SMART CARDS CONTAINING PROGRAMMING USED TO TRANSMIT USER AUTHENTICATION AND USER PERSONAL DATA OVER GLOBAL AND LOCAL COMPUTER NETWORKS; DOWNLOADABLE ELECTRONIC PUBLICATIONS IN THE NATURE OF BOOKS, MAGAZINES, ARTICLES, AND PAMPHLETS IN A WIDE VARIETY OF FIELDS; ELECTRONIC GAMES, NAMELY, SOFTWARE GAMES RECORDED ON CD-ROM AND DIGITAL VIDEO DISCS FOR COMPUTERS AND CD-ROMS AND CARTRIDGES FOR CONSOLE GAMING SYSTEMS; ELECTRONIC, MAGNETIC, ELECTRO-MAGNETIC, OPTICAL AND ELECTRO-OPTICAL DATA CARRIERS, NAMELY, CD-ROMS, BLANK COMPUTER DISCS, BLANK MAGNET COMPUTER TAPES, MAGNETICALLY ENCODED CARDS AND ELECTRICAL WIRES