On-line annuity processing services, namely, electronic preparation and submission of annuity applications; electronic processing and transmission of orders for the allocation or reallocation of customers' variable annuity assets among fund investment options; electronic determination of annuity assets from which to deduct adviser fees; electronic processing of annuity owner name and address changes; electronic processing of annuity beneficiary changes; electronic storage of customers' investment risk tolerance preferences; electronic calculation of customers' investment risk associated with the allocation of their variable annuity assets among fund investment options; electronic comparison of customers' investment risk tolerance preferences against investment risk associated with the allocation of their variable annuity assets among fund investment options; electronic notification of broker/dealers regarding variations between customers' investment risk tolerance preferences and investment risk associated with the allocation of their variable annuity assets among fund investment options