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 three-column table that displays the advantages and disadvantages of online shopping.
user
| advantages                                                        | disadvantages                                               |
| ---------------------------------------------------------------- | ----------------------------------------------------------- |
| convenient and time saving                                       | risk of credit card fraud                                   |
| wider selection of products and services                         | higher cost of shipping and handling                        |
| comparison of different offers across different vendors          | issues with returns and customer service                    |
| lower prices due to low overhead costs                           | uncertainty due to insufficient product description or photo |
assistant