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 potentially difficult questions that a customer support team should be ready to answer
user
potentially difficult questions that customer support teams should be ready to answer include: 
- how long will my returns or refunds take to process?
- how can i customize or personalize my product?
- what are the warranties or guarantees associated with the product?
- how do i go about requesting a replacement for a defective product?
- what specific steps should i take if my product does not work as expected?
assistant