SMARTCENTS

Downloadable computer application software for computers, mobile phones, and tablets for establishing, tracking, and managing financial goals, namely, for providing computer generated analysis of the user's residential home loan qualification and recommending actions to promote residential home loan qualification, namely, establishing a budget, saving for a down payment, and reducing debt, and tracking progress towards those recommended actions; Downloadable educational computer application software for computers, mobile phones, and tablets, featuring instruction in the field of residential home loan qualification to allow users to calculate hypothetical loan qualification scenarios that educate the user regarding how establishing, tracking, and managing financial goals, namely, budgeting, spending, debts, savings, and assets impact qualifying for a residential home loan; All of the above excluding banking services, access to residential home loans, and the making and offering of residential home loans