Providing on-line non-downloadable software using artificial intelligence for the purpose of assisting human resource professionals, human performance specialists, and practitioners optimize human capital by recognizing pending human outcomes at the individual level; determining who is at risk, when risk is highest and why the risk exists for common yet highly complex issues like musculoskeletal (MSK) injuries or disorders; and forecasting risk and performance from an individual's ever-evolving physiological state, biomarkers and other available including wearable devices, survey data, health records, employee records, assessment data, and conventional monitoring