Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; Downloadable audio files, multimedia files, text files, e-mails, written documents, audio material, video material and games featuring information in the form of downloadable short educational/training communications in the field of human resource development for the promotion of employee retention, career growth and increased productivity for employees and employers; Downloadable educational course materials in the field of finance; Educational apparatus, namely, a transparent tank used as a teaching aid for the chemical process of making alternative fuels; Educational apparatus, namely, blocks used as teaching aids for finance; Educational apparatus, namely, manipulative blocks used as teaching aids for the visualization of math concepts; Educational kit comprising DVDs featuring secondary level curriculum on all scientific disciplines, along with teacher guides, sold as a unit; Educational software featuring instruction in finance; Electronic educational apparatus, namely, communication blocks that manipulate and convey information electronically based on their arrangement and are used for cognitive development in disciplines such as counting, spelling or quantitative; Electronic machines for reading credit cards and recording financial operations; Magnetically encoded blank bank cards for issuance by financial institutions