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
generate a dialog between two people discussing the best way to improve studying for school.
user
person 1: hey, i've been trying to improve my study habits but i'm just not sure what would be the best approach.
person 2: well, it really depends on your current habits. what kind of studying have you been doing so far? 
person 1: i mainly focus on rote memorization.
person 2: that's not the most effective way to learn. you should focus on understanding the concepts first and then practice with problems and apply the knowledge. that would be more effective.
assistant