Computer programs for business and real estate uses, namely, processing spreadsheets, databases, and ASCII files, including loan level conversion; formatting date and numeric information such as closing dates, maturity dates, coupons, and balances; calculation of loan-to-value ratios, terms and weighted averages; automation of merging portfolios and applying updates from services; portfolio reporting for prospectus preparation; data integrity checking; agency benchmark edit checking; and, asset pooling, pricing, and submission to rating agencies, all for use in the field of mortgage portfolio and mortgage data analysis

'agenc':62,74 'analysi':87 'appli':50 'ascii':14 'asset':67 'autom':45 'averag':44 'balanc':33 'benchmark':63 'busi':4 'calcul':34 'check':61,65 'close':27 'comput':1 'convers':19 'coupon':31 'data':59,86 'databas':12 'date':21,28,30 'edit':64 'estat':7 'field':80 'file':15 'format':20 'includ':16 'inform':24 'integr':60 'level':18 'loan':17,37 'loan-to-valu':36 'matur':29 'merg':47 'mortgag':82,85 'name':9 'numer':23 'pool':68 'portfolio':48,54,83 'prepar':58 'price':69 'process':10 'program':2 'prospectus':57 'rate':73 'ratio':40 'real':6 'report':55 'servic':53 'spreadsheet':11 'submiss':71 'term':41 'updat':51 'use':8,77 'valu':39 'weight':43

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