Downloadable computer programs for making financial models; downloadable computer programs for managing and verifying financial transactions; downloadable computer programs for database management; downloadable computer e-commerce programs enabling users to perform electronic commercial transactions via a global computer network; downloadable computer programs for collecting and organizing business information; downloadable electronic data files and databases, namely, commercial and tax forms, for use with computer programs; downloadable software for project management in the business field; downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; downloadable computer communication programs enabling customers to access bank account information and perform bank transactions; downloadable computer software for customer relationship management (CRM); downloadable computer programs for businesses intended for customer relationship management