Computers; Downloadable software for managing insurer business; Blank magnetic data carriers; Blank optical data carriers; Downloadable electronic publications in the nature of books, e-books, newsletters, manuals, magazines, pamphlets, newspapers, brochures, journals, texts, audio files and video files in the fields of film, music, art, culture, computer software and computer hardware; Data processing apparatus; Memory cards being computer hardware; Computer operating programs, recorded; Computer software for managing insurer business; 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; Computer software that provides web-based access to applications and services through a web operating system or portal interface; Computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information; Computer software for providing an on-line database in the field of transaction processing to upload transactional data, provide statistical analysis, and produce notifications and reports; Integrated circuit cards and components; Interfaces for computers