Downloadable computer software using artificial intelligence (AI) for engaging with users in natural language interaction to provide information, insights, recommendations, and assistance across various personal and commercial domains; Downloadable software in the nature of a mobile application for engaging with users in natural language interaction to provide information, insights, recommendations, and assistance across various personal and commercial domains; Downloadable mobile applications for engaging with users in natural language interaction to provide information, insights, recommendations, and assistance across various personal and commercial domains; Downloadable software for engaging with users in natural language interaction to provide information, insights, recommendations, and assistance across various personal and commercial domains