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
make a to-do list for a day trip to the beach.
user
-pack sunscreen, hats, sunglasses, beach towels, snacks, and drinks
-bring umbrella, chairs, and/or beach umbrella for shade
-check the weather forecast and water temperature 
-bring a bag for trash
-apply coral reef-safe sunscreen 
-dive in and have fun!
assistant