42 Providing online non-downloadable software for the artificial production of human speech and text in the field of insurance and related services, namely, evaluating the needs of the insured, providing quotes, answering insurance coverage inquiries, answering claims questions, helping insureds file claims, building custom policies or programs for prospective insureds, underwriting risks, and running actuarial analyses on premium rates; Providing online non-downloadable software for natural language processing, generation, understanding and analysis in the field of insurance and related services, namely, evaluating the needs of the insured, providing quotes, answering insurance coverage inquiries, answering claims questions, helping insureds file claims, building custom policies or programs for prospective insureds, underwriting risks, and running actuarial analyses on premium rates; Providing online non-downloadable software for machine-learning based language and speech processing software in the field of insurance and related services, namely, evaluating the needs of the insured, providing quotes, answering insurance coverage inquiries, answering claims questions, helping insureds file claims, building custom policies or programs for prospective insureds, underwriting risks, and running actuarial analyses on premium rates; Research and development services in the field of artificial intelligence; Research, design and development of computer programs and software