Apparatus for lighting, heating, steam generating, cooking, refrigerating, drying, ventilating, water supply and sanitary purposes; apparatus and instruments for irrigation and drip-irrigation purposes as well as irrigation pens, capillary pens and droppers provided with an eye.

Wines; sparkling wines; spirits and liqueurs; brandy; alcoholic beverages included in the class.

Financial and insurance services; financial management, assistance, advice, consultancy, information and research services; assurance, insurance and reinsurance services; assurance, insurance, reinsurance, investment and pensions brokerage, agency and advisory services; preparation of financial, insurance and reinsurance reports; assurance, insurance and reinsurance underwriting services; actuarial services; financial valuations, claims adjustments and claims settlement services; trusteeship services; provision of financial, insurance and reinsurance information, including that provided via telecommunications networks, by online delivery and by way of the Internet and the World Wide Web; real estate affairs.;

Coffee, tea, cocoa, sugar, rice, tapioca, sago, artificial coffee; flour and preparations made from cereals, bread, pastry and confectionery, ices; sweets, honey, treacle; yeast, baking-powder; salt, mustard; vinegar, sauces (condiments); sweeteners; spices; ice.

Transportation services of all kinds and descriptions; freighting, cartage, haulage, forwarding and delivery services of all kinds and descriptions; coach and vehicle hire; travel agency; storage and warehousing services of all kinds and descriptions; services for or relating to the aforegoing;

Meat, fish, poultry and game; meat extracts; preserved, frozen, dried and cooked fruits and vegetables; jellies, jams, compotes; eggs; milk and milk products; edible oils and fats.

Coffee, tea, cocoa and artificial coffee; rice; tapioca and sago; flour and preparations made from cereals; bread, pastry and confectionery; ices; sugar, honey, treacle; yeast, baking-powder; salt; mustard; vinegar, sauces (condiments); spices; ice.

Computer software for financial modeling and benchmarking, stochastic modeling, evaluating jobs and benefit plans, creating and maintaining employee pay structures, evaluating employee performance, asset allocation, catastrophe modeling, claims management, quality assurance, and for modeling, recording, organizing, calculating, reporting, displaying, analyzing, evaluating, comparing, predicting, and updating actuarial data, financial data, business data, and human resources data, all for use in the fields of human resources, employee compensation and benefits, retirement planning, pension and retirement plans, investments, profit-sharing plans, stock purchase plans, health care, health care plans, dental plans, prescription plans, personnel management, workforce effectiveness, rewards management, employee job evaluation, employer-employee communications, employee safety, employee relocation, outsourcing, business and organizational management and operations, organizational structure and reorganization, product development and marketing, mergers and acquisitions, strategic planning, contingency planning, change management, information technology, insurance, insurance claims, risk management, risk evaluation, actuarial matters, financial services, investments, financial planning, financial modeling, asset allocation, catastrophe modeling, claims management, and/or quality assurance. downloadable electronic publications in the nature of periodicals, books, newsletters, reports, surveys, article reprints, memoranda, guides, manuals, and directories, downloadable podcasts, and downloadable videos, all in the fields of human resources, employee compensation and benefits, retirement planning, pension and retirement plans, investments, profit-sharing plans, stock purchase plans, health care, health care plans, dental plans, prescription plans, personnel management, workforce effectiveness, rewards management, employee job evaluation, employer-employee communications, employee safety, employee relocation, outsourcing, business and organizational management and operations, organizational structure and reorganization, product development and marketing, mergers and acquisitions, strategic planning, contingency planning, change management, information technology, insurance, insurance claims, risk management, risk evaluation, actuarial matters, financial services, investments, financial planning, financial modeling, asset allocation, catastrophe modeling, claims management, and/or quality assurance.

Management of commercial and business enterprises; business and management consulting services; business risk management; consulting services in the field of business risk management; business information services in the nature of providing business information on goods and services of others in the fields of insurance, reinsurance and risk management, to maximize the benefit of such goods and services to consumers; consulting services in the fields of personnel and human resource management, workforce effectiveness, employee job evaluation, employer-employee communications, employee safety, employee relocation, business and organizational management and operations, contingency planning, strategic planning, operations, mergers and acquisitions, organizational structure and reorganization, and product development and marketing; information in business matters; assistance in management of business activities; outsourcing services; management and compilation of computerized databases; market analysis and research services; market reports and studies; conducting business research and surveys; preparing business reports; custom preparation of employer-employee communications materials in the nature of printed and electronic announcements, memoranda, books, reports, newsletters, guides, manuals, periodicals, and audio-visual presentations.

Consulting services in the fields of insurance, financial risk management, financial services, investments, employee compensation and benefits, profit-sharing plans, stock purchase plans, savings, pension and retirement plans, and health care, dental, and prescription plans; administration of employee compensation and benefit plans, profit-sharing plans, stock purchase plans, savings, pension, and retirement plans, and health care, dental, and prescription plans; employee benefit consulting services; financial, direct risk and insurance risk management services; financial research and information services; actuarial consulting and services; insurance brokerage services; insurance claims management services; insurance consultation; insurance services in the nature of loss control management for others; insurance underwriting; reinsurance underwriting; providing insurance information and insurance consultancy; reinsurance brokerage services; risk management services, namely, insurance portfolio analysis and insurance portfolio optimization; enterprise risk management (ERM) advice and consulting services to assist with legal, regulatory and rating agency requirements; risk management.