user: Can you help me avoid credit card debt?

assistant: Here are some strategies to avoid credit card debt:

1. Set a monthly spending budget and stay within it.
2. Always pay off your entire credit card bill each month.
3. Identify areas where you can reduce your spend (eating out, gifts, etc.)

user: From the passage provided, extract the second studio album that Taylor Swift released.

assistant: Fearless

user: Who is the greatest college football quarterback of all time?

assistant: Different people have different opinions when ranking college football players. Both individual and team metrics are considered when determining the best quarterback. Key individual metrics include individual passing metrics (such as passer rating, number of passing yards, and number of touchdowns thrown) and individual awards won (such as the Heisman trophy). Key team metrics include the team's win percentage with the individual as the starting quarterback and the number of conference and nation championships won. A quarterback that excels at passing the football and running the football is commonly referred to as a "dual threat" quarterback. Individual rushing statistics may also be considered when determining their rankings. Many people consider Sam Bradford, Matt Leinart, and Peyton Manning to be among the best pure passing quarterbacks in college football history. Many people consider Cam Newton, Vince Young, and Johnny Manziel to be among the best dual threat quarterbacks in college football history. Opinions vary, but many people consider Tim Tebow to be the greatest college football quarterback of all-time due to his individual accomplishments, his team's accomplishments and revolutionary offensive play style, and his popularity amongst fans and the sports media.