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Fig 1: a screenshot from a software application. Utility software is software such as anti-virus software, firewalls, disk defragmenters and so on which helps to maintain and protect the computer system but does not directly interface with the hardware.
Systems software includes the operating system and all the utilities that enable the computer to function. Applications software includes programs that do real work for users. For example, word processors, spreadsheets, and database management systems fall under the category of applications software.