navigator prodigy u00ae and adsi as well as custom renderers such as citibank 39 s direct access associated with windows and dos based personal computers macintosh systems screen phones and personal digital assistants netscape navigator is a renderer for accessing browsing and creating documents on the world wide web prodigy u00ae is a renderer for accessing prodigy u00ae 39 s on line content adsi is used in screen phone technology direct access which permits customers to perform banking functions from their home pc is a custom renderer commercially available from a financial institution for accessing numerous financial institution applications in addition to providing for device specific formatting renderers provide means to change the overall style of a presentation examples of different presentations are set out in fig3 and 4 fig3 depicts a screen layout that may be used by a customer with a renderer provided by a financial institution while fig4 depicts a screen layout that may be used by a customer with a renderer provided by a user of a custom renderer fig3 depicts the screen layout set out by a renderer provided by a financial institution as shown by the figure a computer monitor screen 40 includes a row of buttons 32 along a top portion of the screen querying text 34 located at the approximate middle of the screen below the row of buttons 32 a column of buttons 36 located below querying.