user: Which of these are both movies and books: Harry Potter, Lord of the Rings, Brave World, The Shawshank Redemption.

assistant: Harry Potter and Lord of the Rings were adapted to movies from books.

user: Name the affiliates of the Tata Group.

assistant: Significant Tata Group affiliates include Tata Consultancy Services, Tata Consumer Products, Tata Motors, Tata Power, Tata Steel, Voltas, Titan Company, Tanishq, Tata Chemicals, Tata Communications, Trent, Tata Elxsi, Indian Hotels Company, Air India, TajAir, Tata Cliq, Tata Advanced Systems, Tata Capital, Cromā, BigBasket and Tata Starbucks.

user: What is refinancing?

assistant: Refinancing is the replacement of an existing debt obligation with another debt obligation under a different term and interest rate. The terms and conditions of refinancing may vary widely by country, province, or state, based on several economic factors such as inherent risk, projected risk, political stability of a nation, currency stability, banking regulations, borrower's credit worthiness, and credit rating of a nation. In many industrialized nations, common forms of refinancing include primary residence mortgages and car loans.