COMPUTER SOFTWARE TOOLS FOR USE IN INFORMATION TRANSFER AND INFORMATION RETRIEVAL, NAMELY, SOFTWARE TOOLS FOR CREATING INTERACTIVE, MULTIMEDIA ENHANCED, SECURE, ACCESS AND USAGE AND USAGE CONTROLLED STRUCTURED FILES THAT ARE CAPABLE OF ELECTRONIC TRANSMITTAL AND RENDERING FOR USE IN THE FIELDS OF ADVERTISING, SALES AND MARKETING, AND FOR USE IN ELECTRONIC DOCUMENT, BILL AND STATEMENT PRESENTMENT, AND IN CONDUCTING ELECTRONIC BUSINESS TRANSACTIONS