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Downloadable software with machine learning and cognitive computing technology for business analytics and for use in computer systems integration, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to- understand user interface; application development software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; downloadable software for the analysis of business data; downloadable computer software for designing, installing and executing central computer and user and 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, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; healthcare and life sciences software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; analytics software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; banking software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; consumer goods and services software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; freight and logistics software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; health and public service software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; human capital management software; industrial equipment software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; public transportation and fare management software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; media management software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to- understand user interface; digital marketing software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; marketing spend analysis software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; interactive meeting software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; predictive maintenance software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; digital dashboard software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface; web management and hosting software, namely, downloadable computer software that provides real-time, integrated business management intelligence by combining information from various databases and presenting it in an easy-to-understand user interface