Providing temporary use of on-line non-downloadable programs, namely, software and applications for voice communications, for data communications, for email communications, for information management, for creating spreadsheets, for creating tables, for creating graphs, for creating charts, for organizing and analyzing data, for word processing, for creating and displaying presentations, for electronic mail and instant messaging, for calendaring and scheduling, for desktop publishing, for project management, for customer management, for business planning, for direct mail and business financial management, for online document collaboration, for storage and editing services, for operating systems, for messaging, for file sharing, for desktop management, for task management, for address book management, for anti-spam protection, for anti-virus protection, for running development programs and application programs in a common development environment, for data backup and recovery