This functionality allows virtually any application to either expose or consume services that perform a variety of tasks. Since the rise of the Internet, we have been building web services that implement web services through private protocols that ride on top of HTTP. This includes a number of Fincial Servers that drive a variety of web-based or web-enhanced client applications within a multi-tiered design. This includes the S&P 401k Advisor where we built a secure XML interface to serve up personal financial information on a participants account to a pure HTML client and an embedded Java applet client. For Vertigo Development, we designed and built the One-On-One Financial Server that exposed a private interface over a secure HTTP to drive a web-enhanced desktop application that presented personal financial advice, news, and stock quotes.