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I think that a lot of this sounds like it would need sophisticated machine learning/data mining algorithms. The reason this doesn't exist is probably because it's difficult to develop these algorithms without having huge datasets and user feedback which comes from, you guessed it, companies having your data. I'm not saying it's impossible to do, but it's definitely more difficult to adapt existing datasets to your software than to collect them yourself, in a format that you dictate. Maybe in a decade.