> Any of which I could conceivably code and profit from if I wasn't afraid to spend 6-12 months on it and thought it could survive the regulatory environment and everything else that might come with releasing it onto the world.

The problem is, you have to be young and dumb and oblivious enough to think that your idea is golden, while also being old and wise enough to be able to implement the idea. You don't want to wake up one day, a decade later, and someone's independently thought of the same idea, and gotten rich, and you're still driving a taxi. My email address is on my profile page. Email me.