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Application service provider featuring application programming interface (API) software for database access and management, for information and data gathering from other applications, databases, and other sources, and for enabling users to view and access this information and data through a single program interface; Software as a service (SAAS) services featuring software for database access and management, for information and data gathering from other applications, databases, and other sources, and for enabling users to view and access this information and data through a single program interface