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Richard Gardner Financial technology expert and business strategist with 30 years experience. Expertise in natural language processing and financial markets. Born in 1975. Learned to trade commodities at age 13, learned technology, started an AI software company in 1995, started Modulus Global, Inc. in 1997, a renowned fintech company that powers Nasdaq, Bank of America, JP Morgan Chase, Binance, BitMEX and more, with over 100M end users. Married. One child. I live in Scottsdale, Arizona and part time Chicago.