Until the last decade or so, the lack of computing power was the most significant hurdle to addressing complex problems. Even if the required data was available, we did not have the computing power to enable artificial intelligence (AI) to analyze and learn from large data sets. The situation has changed with the improvement of computing power generally and the migration to cloud computing. An organization is no longer required to make the overwhelming substantial investment to buy a mainframe computing system in order to run programs making massive amounts of calculations. Rather today, any organization can run highly complex programs using massive amounts of data on the cloud, only paying for what is actually used.