Downloadable cloud-based software with machine learning and cognitive computing technology for business analytics and for use in computer systems integration; application development software; software for the analysis of business data; computer software for designing, installing and executing central computer (mainframe) and user/server programs for integrating financial, manufacturing and sales functions of a business and for managing customer relations and support functions of a business; insurance software; analytics software; cloud-based software; banking software; consumer goods and services software; freight and logistics software; health and public service software; human capital management software; industrial equipment software; public transportation and fare management software; media management software; digital marketing software; marketing spend analysis software; interactive meeting software; predictive maintenance software; digital dashboard software; web management and hosting software