Downloadable computer software that provides a precise representation of the way in which damage results in insurance loss, reinsurance loss, or other risk transfer instruments loss and analyzes the treatment of propagation of uncertainty designed to describe losses as closely as possible to the way losses actually occur, featuring ground-up and temporal simulation, multi-parameter vulnerability, spatial correlations, exposure disaggregation and repeatability; Downloadable computer software in the fields of property casualty risks, catastrophic risks, weather related risks, terrorism risks, mortality and longevity risks, insurance, reinsurance, alternative risk transfer, insurance portfolio management and risk management; Downloadable computer software featuring security protocols, disaster recovery capabilities and data back-up capabilities; Downloadable computer software for use in assessing property casualty risks, catastrophic risks, weather related risks, terrorism risks, mortality and longevity risks; Downloadable computer software for use in locating information pertaining to and managing a database in the fields of insurance, reinsurance, insurance portfolio management and risk management; Downloadable computer software for analyzing and generating insurance, risk, and exposure data; Downloadable computer software for use in locating information pertaining to and managing a database in the fields of insurance, reinsurance, insurance portfolio management and risk management, and for calculating and analyzing the probability or costs of risks or losses generating models, and making property casualty, catastrophic risk, weather related risk, terrorism risk, mortality and longevity risk analysis in the field of insurance, reinsurance, alternative risk transfer, insurance portfolio management, risk management, and risk analysis; Downloadable computer software for use in making cost analysis in the fields of insurance, reinsurance, insurance portfolio management and risk management; Downloadable computer software for transfer of exposure information, risk information, modeling analysis information or results, contract terms and conditions, or claims information between counter parties in risk transfer transactions, including insurers, reinsurers, insurance brokers, reinsurance brokers, and risk-related investment specialists

Non-downloadable hosted computer software that provides a precise representation of the way in which damage results in insurance loss, reinsurance loss, or other risk transfer instruments loss and analyzes the treatment of propagation of uncertainty designed to describe losses as closely as possible to the way losses actually occur, featuring ground-up and temporal simulation, multi-parameter vulnerability, spatial correlations, exposure disaggregation and repeatability; Non-downloadable hosted computer software in the fields of property casualty risks, catastrophic risks, weather related risks, terrorism risks, mortality and longevity risks, insurance, reinsurance, alternative risk transfer, insurance portfolio management and risk management; Non-downloadable hosted computer software featuring security protocols, disaster recovery capabilities and data back-up capabilities; Non-downloadable hosted computer software for use in assessing property casualty risks, catastrophic risks, weather related risks, terrorism risks, mortality and longevity risks; Non-downloadable hosted computer software for use in locating information pertaining to and managing a database in the fields of insurance, reinsurance, insurance portfolio management and risk management; Non-downloadable hosted computer software for analyzing and generating insurance, risk, and exposure data; Non-downloadable hosted computer software for use in locating information pertaining to and managing a database in the fields of insurance, reinsurance, insurance portfolio management and risk management, and for calculating and analyzing the probability or costs of risks or losses generating models, and making property casualty, catastrophic risk, weather related risk, terrorism risk, mortality and longevity risk analysis in the field of insurance, reinsurance, alternative risk transfer, insurance portfolio management, risk management, and risk analysis; Non-downloadable hosted computer software for use in making cost analysis in the fields of insurance, reinsurance, insurance portfolio management and risk management; Non-downloadable hosted computer software for transfer of exposure information, risk information, modeling analysis information or results, contract terms and conditions, or claims information between counter parties in risk transfer transactions, including insurers, reinsurers, insurance brokers, reinsurance brokers, and risk-related investment specialists