ChatGPT to explain my code
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import openai

messages = []
system_msg = input("What type of chatbot would you like to create? ")
messages.append({"role": "system", "content": system_msg})

print("Say hello to your new assistant!")
while input != "quit()": 
    message = input()
    messages.append({"role": "user", "content": message})
    response = openai.ChatCompletion.create(
        model="gpt-3.5-turbo",
        messages=messages)
    reply = response["choices"][0]["message"]["content"]
    messages.append({"role": "assistant", "content": reply})
    print("
" + reply + "
")
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A timeline 
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  Assume that we borrow $100 for two years
  the annual interest rate is 10%. 
  
  Below is a timeline with cash flows. 

   100         10          10+100
   |-----------|-----------|
   0           1           2

  We receive $100 at time zero and pay $10 
  for the next two years, plus $100 at the end of
  year two. 

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ChatGPT to explain my code video
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 The ChatGPT API is OP. Build a CLI Chatbot in 16 LOC with Python + ChatGPT API.
     https://www.youtube.com/watch?v=Y-nWGnETJ88&t=16s

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future value function
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Assume that we deposit $100 in the bank today. If the annual 
  deposit rate is 10%, what is the value at the end of the year?
  Note that 10% is a quite high rate and its usage is purely 
  for an easy calculation.    100         ?
                              |-----------|
                              0           1
   fv1 =  110
       = 100 + 10          (principal + interest)
       = 100 + 100*0.1
       = 100*(1+0.1)

 If we deposit $100 for 2 years with the same rate?
   100                    ?
   |-----------|----------|
   0           1          2

   We know that at the end of year 1, we have 110. 
   Apply the same formula above
      fv1=fv1*(1+0.1) = 100*(1+0.1)*(1+0.1) = 100*(1+0.1)^2     
                                            = 121
  How about 5 years or n year?
    fv(one future cash flow)= pv*(1+R)^n     

     where FV is the future value
        PV is the present value 
        R  is the period rate
        n is the number of periods

   For example, what is the future value at the end of year 10 when 
    we deposit $50 today with an annual interest rate of 1.05%?
   
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