Computer services, namely, providing multiple-user access to a global computer information network for the transfer and dissemination of a wide range of information, providing on-line services for real-time interaction with other computer users concerning topics of general interest (chat rooms); consultation and advisory services, all relating to computers, computer systems and computer software; leasing access time to computer databases in the fields of insurance and insurance services; information processing in the fields of insurance and insurance services; recovery of computer data and providing access to an interactive computer database in the fields of insurance and insurance services; updating of computer software and computer memory banks; reproduction of newsletters and publications in the field of insurance and insurance services on a global information network