This is Jack. Jack is an independent investor/trader. He makes his money by buying stocks and commodities and then selling them to somebody else for more money. In December, Jack saw that he could get 1,000 barrels of WTI oil delivered in May 2020 for $35/b from Dave who works at West Texas…

Most readers will have used a chatbot at some point, be that on an online retailer’s site, or in order to receive medical advice. In recent years companies have turned to technology like chatbots in order to reduce costs. Traditional communications and customer care departments tend to require a large…