Providing on-line non-downloadable intelligent personal assistant software for providing information in response to a user-generated query; providing on-line non-downloadable chatbot software using artificial intelligence for replying to user-generated questions; providing on-line non-downloadable computer software for simulating conversations; providing on-line non-downloadable computer software for the artificial production of human speech and text; providing on-line non-downloadable computer software for natural language processing, generation, understanding, and analysis; providing on-line non-downloadable computer software for machine-learning based language and speech processing; providing on-line non-downloadable computer software for creating and generating text