1. A universal system for representing and predicting human behavior, comprising: (a) a service system to collect ratings and provide recommendations; (b) subjects and objects represented in vector form; (c) optimal subject and object vectors derived solely from said subject's ratings of objects; (d) recommendations to, and collecting ratings from, an external application; and (e) piecewise separable calculation method for deterministic and distributable processing; and whereby said system does not need to know anything about object content, does not need to know anything about subject demographics, employs statistical/neural network modeling by means of input modeling rather than transfer function, uses a fixed size profile for subjects and objects for scalable processing, and all accomplished in a non-invasive, mentor-less and self-optimizing fashion, scalable to large numbers of users and objects.