You are a helpful assistant generating synthetic data that captures *System 1* and *System 2* thinking, *creativity*, and *metacognitive reflection*. Follow these steps in sequence, using tags [sys1] and [end sys1] for *System 1* sections and [sys2] and [end sys2] for *System 2* sections.

1. *Identify System 1 and System 2 Thinking Requirements:*
   - Carefully read the text.
   - Identify parts of the text that require quick, straightforward responses (*System 1*). Mark these sections with [sys1] and [end sys1].
   - Identify parts that require in-depth, reflective thinking (*System 2*), marked with [sys2] and [end sys2].

2. *Apply Step-by-Step Problem Solving with Creativity and Metacognitive Reflection for System 2 Sections:*

   *2.1 Understand the Problem:*
   - Objective: Fully comprehend the issue, constraints, and relevant context.
   - Reflection: "What do I understand about this issue? What might I be overlooking?"
   - Creative Perspective: Seek hidden patterns or possibilities that could reveal deeper insights or innovative connections.

   *2.2 Analyze the Information:*
   - Objective: Break down the problem logically.
   - Reflection: "Am I considering all factors? Are there any assumptions that need challenging?"
   - Creative Perspective: Explore unique patterns or overlooked relationships in the data that could add depth to the analysis.

   *2.3 Generate Hypotheses:*
   - Objective: Propose at least 10 hypotheses, each with a Confidence Score (0.0 to 1.0) and Creative Score (0.0 to 1.0), reflecting originality, surprise, and utility.
   - Reflection: "Have I explored all possible explanations or approaches, both conventional and unconventional?"
   - Creative Perspective: Consider novel angles that might provide unexpected insights.

   *2.4 Anticipate Future Steps and Obstacles:*
   - Objective: Make predictions, accounting for potential outcomes and obstacles.
   - Reflection: "What challenges might I face? Is my plan flexible for different scenarios?"
   - Creative Perspective: Visualize unforeseen outcomes and adapt plans to make use of them effectively.

   *2.5 Evaluate Hypotheses:*
   - Objective: Assess hypotheses based on feasibility, risk, and potential impact.
   - Evaluation: Refine Confidence and Creative Scores as needed.
   - Reflection: "Am I unbiased in my assessment? Which options fit best with the overall objectives?"
   - Creative Perspective: Identify hidden opportunities or overlooked details in each hypothesis.

   *2.6 Select the Best Hypothesis:*
   - Objective: Choose the most promising, strategic hypothesis.
   - Reflection: "Why does this hypothesis stand out? How does it uniquely address the issue?"
   - Creative Perspective: Consider any underutilized potential in the selected approach.

   *2.7 Implement the Hypothesis:*
   - Objective: Outline actionable steps for testing the hypothesis.
   - Reflection: "Is this plan practical? What resources or preparation are required?"
   - Creative Perspective: Refine steps to maximize effectiveness and yield unexpected benefits.

   *2.8 Monitor and Review Progress:*
   - Objective: Review progress, noting areas for improvement.
   - Reflection: "What’s working well? What could be improved?"
   - Creative Perspective: Look for emerging patterns that could refine future approaches.

   *2.9 Reflect and Capture Insights:*
   - Objective: Summarize lessons learned and insights gained for future reference.
   - Reflection: "What new understanding has emerged from this process?"
   - Creative Perspective: Identify innovative insights or patterns that could be applied to similar challenges.

3. *Generate Text Output with Interleaved System 1 and System 2 Responses:*
   - Use the tags [sys1] and [sys2] throughout.
   - Aim for a lengthier, detailed response. Combine both direct, straightforward *System 1* insights and reflective, deeply analytical *System 2* segments to capture a blend of quick observations and thoughtful analysis.

---

### *Example Input Text:*

You are tasked with analyzing a sudden shift in customer preferences in a tech market. There has been a noticeable decline in demand for physical devices, with customers increasingly interested in digital-only options. The challenge is to understand this shift, generate hypotheses for why it might be occurring, and explore potential strategies for adapting to this new trend.

---

### *Processed Output with System 1 and System 2 Thinking:*

The tech market is experiencing a shift in customer demand, moving away from physical devices toward digital-only options.

[sys1]
Customer demand has shifted from physical devices to digital-only options.
We need to understand why this change is happening and find strategies to address it.
Key factors may include cost, convenience, and technological trends.
[end sys1]

[sys2]
**2.1 Understand the Problem:**
The goal is to understand the underlying reasons for the shift in demand from physical devices to digital-only options, then develop a strategy to adapt.

*Reflection:* 
"I understand that preferences are changing, but what might be driving this? Is it primarily cost, or are there other factors such as convenience or sustainability?"

*Creative Perspective:* 
"Could there be a larger trend in digital minimalism or a preference for eco-friendly solutions that we’re missing? What unseen motivations might explain this shift?"

**2.2 Analyze the Information:**
There are multiple possible factors driving this shift, from economic influences to cultural shifts. It’s essential to isolate each factor and understand its impact.

*Reflection:* 
"Am I fully considering the various economic and social influences? Could there be a technological factor, like better internet speeds, that makes digital-only products more accessible?"

*Creative Perspective:* 
"Are there patterns or trends in other markets that could shed light on this shift? Could this be part of a larger trend toward virtual experiences?"

**2.3 Generate Hypotheses:**
1. Customers prefer digital options due to lower costs. (Confidence: 0.8, Creative: 0.4)
2. There’s a growing trend toward minimalism and reduced physical clutter. (Confidence: 0.7, Creative: 0.7)
3. Digital products offer greater flexibility and ease of use. (Confidence: 0.6, Creative: 0.6)
4. Environmental concerns are pushing consumers away from physical goods. (Confidence: 0.6, Creative: 0.8)
5. Advances in tech make digital-only options more functional. (Confidence: 0.8, Creative: 0.5)
6. Pandemic-era remote work increased demand for digital solutions. (Confidence: 0.7, Creative: 0.6)
7. Media coverage of the environmental impact of physical devices affects preferences. (Confidence: 0.5, Creative: 0.7)
8. There’s an increase in global digital literacy, expanding market access. (Confidence: 0.6, Creative: 0.6)
9. Customers view digital as more convenient and scalable for future needs. (Confidence: 0.7, Creative: 0.5)
10. Younger consumers prefer the aesthetics and convenience of digital products. (Confidence: 0.6, Creative: 0.6)

*Reflection:* 
"Have I considered all possible influences? Are there any surprising factors that could explain this shift?"

*Creative Perspective:* 
"Could specific social trends, like the rise of influencer culture or digital-first lifestyles, be influencing customer choices?"

**2.4 Anticipate Future Steps and Obstacles:**
*Objective:* Anticipate possible challenges, such as resistance from segments still preferring physical products.

*Reflection:* 
"What market obstacles might we face if we shift our focus to digital-only? Are there sub-segments that still prioritize physical products?"

*Creative Perspective:* 
"Could expanding digital options help us reach a more global audience? Are there emerging trends that we could leverage in our strategy?"

[end sys2]

[sys1]
To address this shift, consider a strategy that incorporates both digital-only offerings and educational campaigns about the benefits of digital solutions.
Use insights from customer feedback and current trends to guide product development.
Focus on flexibility and adaptation to cater to different customer segments.
[end sys1]



660 P.2d 1008 (1983)
John J. SERVAITES, Appellant,
v.
Paul W. LOWDEN, Respondent.
No. 13912.
Supreme Court of Nevada.
March 31, 1983.
Rehearing Denied June 13, 1983.
*1009 Gladstone & Stark, Las Vegas, for appellant.
Raggio, Wooster & Lindell, and Richard F. Cornell, Reno, for respondent.

OPINION
PER CURIAM:
Respondent Lowden seeks to enforce a promissory note that appellant Servaites signed as guarantor. Servaites contends on appeal that numerous actions by Lowden operated to discharge him as guarantor. The district court awarded summary judgment to Lowden on the basis of the guaranty contract. As we believe that the state of the record before the district court made summary judgment improper, we reverse and remand for a full trial on the merits.

THE FACTS
In a promissory note dated October 26, 1976, Joseph O'Rayeh promised to pay respondent Lowden $11,500 plus interest on or before January 1, 1977, in consideration of a prior loan. O'Rayeh also promised to pay attorney's fees in any action instituted to enforce the note. Appellant Servaites signed the note expressly as a guarantor of payment, in consideration of a separate $35,000 loan to him from Lowden.
The promissory note was made pursuant to a written agreement between Servaites and Lowden also dated October 26, 1976. In addition to noting the $11,500 loan to O'Rayeh that Servaites had guaranteed to repay, the agreement included the following:
1. To "fully collateralize" both the $11,500 note and a separate $35,000 note evidencing the loan from Lowden to Servaites, Servaites pledged as security 37% of the issued stock of Hi-Tide, Inc., a Nevada corporation (of which Servaites was President and majority shareholder).
2. Herbert Waldman, an attorney, would hold the stock certificates and "executed stock powers." He would transfer the certificates to Lowden on request following a default, and would return them to Servaites if the latter did not default.
3. Servaites agreed to assign to Lowden as additional collateral a $50,000 promissory note.
4. On payment of the $11,500 and $35,000 notes on or before January 1, 1977, Lowden would direct Waldman to return all security to Servaites.
On February 17, 1977, Lowden requested by letter that Waldman transfer the Hi-Tide stock to him because of Servaites' default on the $35,000 note. On February 18, Waldman by letter notified Servaites that he was going to transfer the shares to Lowden. Lowden now swears in the action at bar that he has never been in personal possession of any Hi-Tide shares; however, in an agreement with Hi-Tide, Inc., dated *1010 April 11, 1977, Lowden acknowledged ownership of 25% of the corporation's outstanding stock.
In the April 11 agreement, Hi-Tide, Inc. (by Joseph O'Rayeh, Vice President)
assumed an obligation to repay to Lowden the sum of $35,000 loaned to John Servaitis [sic] on October 26, 1976, to be loaned to Corporation by Servaitis [sic] for corporate purposes, and the sum of $11,500 loaned to Joseph O'Rayeh on September 19, 1975, and renewed on October 26, 1976.
Lowden also "acknowledged" receiving the 25% stock interest in Hi-Tide "in consideration of" having loaned the $35,000 to Servaites, and agreed to sell the stock back if the $35,000 and $11,500 loans were repaid along with certain "additional consideration." Servaites was not a party to this agreement.
On July 19, 1977, Lowden and Hi-Tide, Inc. (by Joseph O'Rayeh) entered into an agreement modifying the April 11 agreement. Among other things, the July 19 agreement extended the times for payment by Hi-Tide and deemed Hi-Tide to be the owner of the shares previously held by Lowden so long as Hi-Tide was not in default. As with the April 11 agreement, Servaites was not a party.
Hi-Tide, Inc. subsequently filed a Chapter XI proceeding and was discharged as a bankrupt. Although Lowden presented several claims in the bankruptcy proceeding, he stipulated to the disallowance of a $12,937.50 claim that he later contended represented the $11,500 debt (plus interest) of O'Rayeh and Servaites.
On June 10, 1980, Lowden demanded that Servaites pay him $11,500 plus interest as guarantor of O'Rayeh's October 26, 1976 promissory note pursuant to NRS 104.3416. He then filed a complaint against O'Rayeh and Servaites seeking payment of the debt, stating that he had not received any money from either O'Rayeh or Servaites in satisfaction of the note. O'Rayeh defaulted, and a default judgment for the entire amount due was entered against him on August 13, 1980. Lowden subsequently moved for summary judgment against Servaites. Asserting that his obligation had been discharged, Servaites cross-moved for summary judgment against Lowden. Lowden filed several affidavits and documents in support of his motion. Servaites did not file any affidavits; rather, he relied on the documents and answers to interrogatories that Lowden had filed.
The district court granted Lowden's motion for summary judgment. This appeal followed.

THE GRANT OF SUMMARY JUDGMENT WAS IMPROPER
The mere filing of cross-motions for summary judgment does not relieve the trial court of its obligation to determine whether any genuine issue of material fact remains for trial. Cheqer, Inc. v. Painters & Decorators, 98 Nev. 609, 655 P.2d 996 (1982). See Midland Ins. v. Yanke Plumbing & Heating, 99 Nev. ___, 657 P.2d 1152 (1983); Young Electric Sign Co. v. State, Dept. Hwys., 98 Nev. 536, 654 P.2d 1028 (1982); Molino v. Asher, 96 Nev. 814, 817 n. 2, 618 P.2d 878, 879 n. 2 (1980). While cross-motions for summary judgment on the same legal theories and the same material facts may be indicative of the nonexistence of a factual dispute, see Schlytter v. Baker, 580 F.2d 848, 850 (5th Cir.1978), the trial court must rule separately on each party's motion, and if a genuine issue of material fact remains, both motions must be denied. See Midland Ins. v. Yanke Plumbing & Heating, supra; Cheqer v. Painters and Decorators Joint Comm., Inc., supra. Accord Securities & Exch. Comm'n v. Am. Commodity Exch., 546 F.2d 1361, 1365 (10th Cir.1976). See also Heyman v. Commerce & Industry Ins. Co., 524 F.2d 1317, 1320 (2d Cir.1975); Eby v. Reb Realty, Inc., 495 F.2d 646, 649 n. 4 (9th Cir.1974).
A court should exercise great care in granting summary judgment; a litigant has the right to a trial where the slightest doubt as to the facts exists. Nehls v. Leonard, 97 Nev. 325, 328, 630 P.2d 258, 260 (1981). In evaluating the propriety of a *1011 grant of summary judgment, we will review the evidence in the light most favorable to the party against whom summary judgment was rendered. Id.; McDermond v. Siemens, 96 Nev. 226, 607 P.2d 108 (1980).
The record in the case at bar reveals that the district court overlooked certain conflicts in the evidence. For example, Servaites argued that Lowden had accepted and retained the security that had been given for the $11,500 and $35,000 notes in complete satisfaction of the debts, thus extinguishing the obligation to which his guaranty was collateral. Where a secured creditor following default and repossession chooses to accept the collateral in complete satisfaction of the debt under NRS 104.9505(2),[1] the creditor foregoes the right to a deficiency judgment against the principal debtor. White & Summers, Uniform Commercial Code § 26-8 at 1104-08 (2d ed. 1980). However, we need not decide whether a creditor's acceptance and retention of the collateral discharges the wholly independent obligation of a guarantor, see Thomas v. Valley Bank of Nevada, 97 Nev. 320, 629 P.2d 1205 (1981), as the materials that Lowden placed before the district court did not establish whether or not he had accepted and retained the collateral.
Lowden by affidavit swore that he has never been in "personal possession" of any Hi-Tide shares. In the April 11 agreement with Hi-Tide, however, Lowden acknowledged that he had "received" a 25% interest in Hi-Tide "in consideration of" having loaned $35,000 to Servaites, and that he was the "owner" of those shares. Moreover, the letters to and from Herbert Waldman indicate that Lowden received the Hi-Tide stock that Waldman had been holding as security for the two promissory notes. Lowden's sworn statement that he never had "personal possession" of any Hi-Tide shares certainly does not conclusively establish that he had not received ownership and control of the stock. There is a disparity between the 37% of "outstanding" Hi-Tide stock given as collateral and the "25% of 100% of the shares" allegedly received by Lowden, but the disparity could have been caused by differences in definition or an increase in the number of issued shares. In light of this material factual dispute, the district court erred in granting summary judgment for Lowden. We therefore reverse and remand for a full trial on the merits.
Servaites contends that even if Lowden had not executed on the collateral, summary judgment should have been entered for Servaites on his other defenses. He argues that the April 11 agreement as modified by the July 19 agreement constituted a release or suspension of Lowden's rights as against O'Rayeh, the maker of the subject note, and that the release or suspension was accomplished without Servaites' consent, thus discharging him as guarantor under NRS 104.3606.[2]See Lee Federal Credit Union v. Gussie, 542 F.2d 887 (4th Cir.1976) (applying Virginia law); Citizens State Bank v. Beermann *1012 Bros. Dehy., 188 Neb. 597, 198 N.W.2d 458 (Neb. 1972); Bank of Waynesboro v. Ghosh, 576 S.W.2d 759 (Tenn. 1979). Servaites also contends that the April 11 and July 19 agreements constituted a novation of the original note without his consent, absolving him of liability on the note. See Williams v. Crusader Disc. Corp., 75 Nev. 67, 334 P.2d 843 (1959).
The April 11 agreement states that Hi-Tide, Inc. "has assumed an obligation to repay to Lowden...." The use of the word "assumed" could be construed as a release, suspension, or novation of Lowden's rights as against O'Rayeh. Lowden argues that he intended the later agreements only to add a second guarantor for the original obligation. Where, as here, the crucial factual dispute concerns characterization of a party's conduct, which in turn involves elusive questions of intent and motive, summary judgment is inappropriate. Feminist Women's Health Center, Inc. v. Mohammad, 586 F.2d 530, 548 (5th Cir.1978), cert. denied, 444 U.S. 924, 100 S.Ct. 262, 62 L.Ed.2d 180 (1979). See Poller v. Columbia Broadcasting System, Inc., 368 U.S. 464, 473, 82 S.Ct. 486, 491, 7 L.Ed.2d 458 (1962). See also Admiralty Funds v. Tabor, 677 F.2d 1297, 1298-99 (9th Cir.1982); Prochaska v. Marcoux, 632 F.2d 848, 851 (10th Cir.1980), cert. denied, 451 U.S. 984, 101 S.Ct. 2316, 68 L.Ed.2d 841 (1981). On the record in the case at bar, summary judgment was not proper on the issues concerning the effect of the April 11 and July 19 agreements on Servaites' contract of guaranty.
Servaites is correct in contending that the district court erred in holding that he was bound by the finding of the bankruptcy court that Hi-Tide was not obligated to Lowden for the $11,500 debt under the April 11 and July 19 agreements. Servaites was not a party to the bankruptcy proceeding, nor did he litigate the question, which was settled by stipulation between Lowden and Hi-Tide. The doctrines of res judicata and collateral estoppel therefore do not apply. See Parklane Hosiery Co. v. Shore, 439 U.S. 322, 99 S.Ct. 645, 58 L.Ed.2d 552 (1979); Blonder-Tongue Laboratories, Inc. v. University Foundation, 402 U.S. 313, 91 S.Ct. 1434, 28 L.Ed.2d 788 (1971). See also Bernhard v. Bank of America Nat. Trust & Sav. Ass'n, 19 Cal.2d 807, 122 P.2d 892, 895 (Cal. 1942).
In response to respondent Lowden's request for attorney's fees on appeal, we note that where a contract provision for payment of legal costs relates only to proceedings to collect on the note, the guarantor is not liable for attorney's fees incurred in suits to enforce the guaranty agreement unless there is an express provision for such liability. Securities Investment Co. v. Donnelley, 89 Nev. 341, 349, 513 P.2d 1238, 1243 (1973). See Peoples Bank & Trust Co. v. Warner, 35 Colo. App. 434, 535 P.2d 1132, 1135 (Colo. App. 1975) (guaranty contract may be narrower than contract between creditor and principal debtor, and where guaranty contract does not provide for costs of collection or attorney's fees, judgment for attorney's fees improper). As the provision for attorney's fees in O'Rayeh's $11,500 note relates only to actions "to enforce collection of this note" and refers in the singular to the "undersigned," and the entirely separate guaranty clause makes no provision for attorney's fees, Lowden is not entitled to such fees from Servaites.[3]
As the district court erred in granting summary judgment and holding that Servaites was barred from contesting the bankruptcy court's findings, we reverse and remand for a full trial on the merits.
MANOUKIAN, C.J., SPRINGER, MOWBRAY and STEFFEN, JJ., and ZENOFF[4], Senior Justice, concur.
NOTES
[1]  NRS 104.9505(2) provides as follows:

In any other case involving consumer goods or any other collateral a secured party in possession may, after default, propose to retain the collateral in satisfaction of the obligation. Written notice of such proposal shall be sent to the debtor if he has not signed after default a statement renouncing or modifying his rights under this subsection. In the case of consumer goods no other notice need be given. In other cases notice shall be sent to any other secured party from whom the secured party has received (before sending his notice to the debtor or before the debtor's renunciation of his rights) written notice of a claim of an interest in the collateral. If the secured party receives objection in writing from a person entitled to receive notification within 21 days after the notice was sent, the secured party must dispose of the collateral under NRS 104.9504. In the absence of such written objection the secured party may retain the collateral in satisfaction of the debtor's obligation.
[2]  NRS 104.3606 provides in relevant part as follows:

1. The holder discharges any party to the instrument to the extent that without such party's consent the holder:
(a) Without express reservation of rights releases or agrees not to sue any person against whom the party has to the knowledge of the holder a right of recourse or agrees to suspend the right to enforce against such person....
[3]  Although Servaites also requests attorney's fees, attorney's fees may not be awarded in the absence of a statute, rule, or contract provision permitting such an award. Locken v. Locken, 98 Nev. 369, 650 P.2d 803 (1982); Consumers League of Nevada v. Southwest Gas, 94 Nev. 153, 576 P.2d 737 (1978).
[4]  Senior Justice David Zenoff was appointed to participate in the decision of this matter in the place and stead of the Honorable E.M. Gunderson, Justice, pursuant to the Nevada Constitution, Art. 6, § 19(1)(a) and 19(1)(c), and SCR 10.