as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
create a list of four characters and describe each one.
user
1. mercedes: she is an outgoing and cheerful woman with an infectious laugh. she loves to be around people and make them laugh.
2. tom: tom is a gentle, kind, introspective man. he loves nature and can often be found taking long walks in the park.
3. mary: mary is a driven and ambitious woman. she is always striving for the best and pushing the limits. 
4. carl: carl is a smart and introspective young man. he loves to read and ponder the complex worlds within books.
assistant