Downloadable computer software application for use in providing administrative and human resources services to independent contractors, namely, for business entity formation and annual report filing, benefits selection and enrollment, invoicing tools to send and receive invoices, a tax estimation calculator, bank account transaction management to properly classify income and expenses, and assistance with acquiring new clients

Operating on-line marketplaces for sellers and buyers of goods and/or services; Providing health insurance exchanges in the nature of a marketplace that offers purchasers of health insurance a variety of plans from different insurance providers