Application development is accomplished using ICCF, COBOL and Cross System Products (CSP)   The database management systems include Virtual Storage Access Methods (VSAM) and DB2 for VSE.  Application Development is changing from mainframe to client-server environment.  Products used for application development includes:   COBOL for VSE, C++, CICS for Windows NT and Visual Generator.  PC database platform will be DB/2 and DDCS/2.  All of our programmers are now writing Lotus Notes applications as well.