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
suggest three changes to improve this sentence: "i dont think that its a smart idea"
user
i do not believe that it is a wise decision. 
i do not consider this to be a well-thought-out plan.
it is not a sensible thought.
assistant