user: Why are people migrating in the US from the NE and Mid-West to the South and SE?

assistant: better weather year round

user: Is Ireland a good surf spot?

assistant: Yes it is. Ireland is seen as one of the best hidden gems for surfing in the world particularly in winter when waves can reach heights of 40ft+. Global professionals such as Kelly Slater, Mick Fanning and Stephanie Gilmore travel to Ireland on a regular basis for the surf. Some recommended areas for surfing are, Sligo Tramore Beach, Bundoran, Dunfanaghy or most West Coast beaches that attract a larger swell. The water is cold 365 days of the year with highest temperatures of 14 degrees Celsius in the Summer so a 5ml thick wetsuit is recommend all year round.

user: Is UBS a good bank

assistant: The UBS Group AG is a multinational investment bank and financial services company founded and based in Switzerland. Co-headquartered in the cities of Zürich and Basel, it maintains a presence in all major financial centres as the largest Swiss banking institution and the largest private bank in the world. UBS client services are known for their strict bank–client confidentiality and culture of banking secrecy.

Because of the bank's large positions in the Americas, EMEA, and Asia Pacific markets, the Financial Stability Board considers it a global systemically important bank.