Education services, namely, providing online cognitive assessments and training programs that help identify cognitive strengths and weaknesses of an individual; Entertainment services, namely, providing on-line, non-downloadable virtual customizable worlds for use in virtual environments created for entertainment purposes; Entertainment services, namely, providing on-line, non-downloadable virtual virtual classes, training, and cognitive assessments for use in virtual environments created for entertainment purposes; Entertainment services, namely, providing on-line, non-downloadable virtual quizzes, tutorials, scripts, and exercises for use in virtual environments created for entertainment purposes; Entertainment services, namely, providing on-line, non-downloadable virtual gifts, gift certificates, rewards, points, incentives, prizes and emotes for use in virtual environments created for entertainment purposes; Entertainment services, namely, providing online computer games that help maintain an active brain and thus improve memory, speed of processing, and that provide a variety of cognitive benefits that positively impact quality of life; Entertainment services, namely, providing virtual environments in which users can interact for recreational, leisure or entertainment purposes