collecting, storing, retrieving, and displaying data in the form of reports in response to user selections, namely, clinical reports and financial reports suitable for distribution to third parties; providing a database of report templates for generating reports in response to particular user data and a database of customizable report templates for developing customized reports in response to particular data display requirements of the user; providing temporary use of on-line, non-downloadable software for third party administrators, benefit consultants, employer groups, health plans, managed care organizations, and physician groups in the health care provider and health insurance industries to generate and publish clinical and financial reports