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 realistic dialogue between two characters arguing about the effects of climate change.
user
character 1: “we can't ignore the effects of climate change any longer. we need to take action now!” 
character 2: “i don't think we can rely on government policies to fix the problem, we need to take an individual approach. we could all start by consuming fewer resources and less energy.” 
character 1: “but it's not just individual actions that will make a difference. we need to focus on policy implementation, in order to make significant progress and tackle the root cause.” 
character 2: “clearly, it's not going to be an easy path, but we have no choice but to start somewhere.”
assistant