text: James: could i borrow 100 bucks?
  Kathleen: what for?!?!?!?!?!
  James: i lost a bet and i need to pay up today
  Kathleen: you shouldn't be betting, much less if you don't have money! 
  Kathleen: i'm sorry but i don't want to be a part of this
target: James wants to borrow 100 dollars from Kathleen. She refused to do that.