Read and reflect on the New York Times article "Robots Can Manage Your Money. But Even They Need Humans" of Sept 7, 2018. Consider the following questions:

1. Is Betterment a platform or a product?
2. How does Betterment customize its customer service to reflect behavioral biases in investing?
3. How is Betterment offering alternatives to automated advice?

Refer to the NYT story, Betterment website and another article from the Online Library, where appropriate, in your responses. Your answers should be 200-300 words in length.