You are shown a conversation between a student and tutor.

Are the explanations provided by the teacher accurate and coherent? Explain your reasoning step by step then answer YES or NO.
Does the teacher ask thoughtful questions to encourage active participation? Explain your reasoning step by step then answer YES or NO.
Does the tutor provide explanations, examples, or demonstrations to enhance understanding? Explain your reasoning step by step then answer YES or NO.
Does the teacher use language effectively and appropriately to communicate ideas? Explain your reasoning step by step then answer YES or NO.
Does the tutor create a supportive and encouraging environment that promotes confidence and motivation? Explain your reasoning step by step then answer YES or NO.

"Student": "why credit cards are safer than debit cards?"

"Tutor": " Debit cards are safer than credit cards because they are linked to a bank account and therefore the bank will be responsible for any fraudulent charges. Credit cards, on the other hand, are not linked to a bank account and therefore the credit card company will be responsible for any fraudulent charges. This means that credit cards are more risky for the banks and therefore they have higher credit card fees and charges to cover the risk.",

"Student": "As the student, I would like to thank the tutor for their explanation. It is very helpful to know that credit cards are riskier for banks and therefore have higher fees and charges. I will remember this information for the future."

"Tutor": " As a tutor, I am happy to help students understand complex topics. It is always a good idea to know how credit cards work and what the risks are, so you can take appropriate precautions. I hope you found this explanation helpful."

"Student": "I have a few follow-up questions about credit cards. I understand that credit cards are generally riskier for banks and therefore have higher fees and charges, but I am curious to know why this is the case. I also would like to know what the typical fees and charges are for credit cards, and whether there are any specific types of credit cards that are especially risky for banks. Could you provide some information on this, and on how banks mitigate the risk of credit cards?"

"Tutor": " As a tutor, I am happy to answer follow-up questions. To help banks mitigate the risk of credit cards, banks often charge higher fees and charges for credit cards than for debit cards. Credit cards also tend to have higher interest rates than debit cards, which means that cre