AI stands for artificial intelligence. In everyday use today, it mostly means a computer program you can type to in normal sentences and get a written reply from.
The program was trained by showing it an enormous amount of writing. From that it learned which words tend to follow which. When you ask something, it builds a reply a piece at a time, choosing words that fit what you asked. Think of very advanced predictive text that can write whole pages.
Because it has been trained on so much writing, it can explain, summarise, draft and rephrase on almost any subject, in whatever style you ask for. That is why people use it for letters, plans and explanations.
It produces what sounds right, which is not always what is right. It can state a wrong fact just as confidently as a correct one. That is why you should check anything important.
It is not a person, and it is not a replacement for a doctor, solicitor or accountant. It is a tool, a bit like a calculator for words.
Use it to get started, get unstuck, or get something explained. Then use your own judgement, and a trusted source, for the final decision. Ready for a first go? See 10 everyday things you can ask AI.