Providing temporary use of on-line non-downloadable software for making business and investment decisions by building and utilizing artificial intelligence, machine learning and natural language processing capabilities; Providing temporary use of on-line non-downloadable software for offering business advice/services by building and utilizing artificial intelligence, machine learning and natural language processing capabilities.; Providing temporary use of on-line non-downloadable software for making more rational decisions through the design of user interfaces aimed at overcoming cognitive biases, preventing cognitive overload, and minimizing cognitive friction in the decision process