1. A method executed by a programmable apparatus, comprising: a. receiving with a computer a data retrieval request to form an OLAP cube from a graphical user interface (GUI) on a programmable user display device, b. in response to the retrieval request to form the OLAP cube, accessing with the computer a plurality of disparate digital databases and retrieving with the computer requested data from such databases, c. viewing the OLAP cube formed from the retrieved data using the GUI, wherein the retrieved data is accessed dynamically on demand directly from the disparate digital databases, d. accepting through the GUI a user update of specific data in the OLAP cube, e. accessing a database relevant to the specific data, and updating that database dynamically on demand with the specific data, and f. dynamically updating the OLAP CUBE data displayed on the GUI with the specific data.