text: Nicky: Got a letter from the bank. Need to talk.
  Phil: S'up?
  Nicky: Promise u won't be angry.
  Phil: What's wrong?
  Nicky: Promise.
  Phil: Fine. I promise.
  Nicky: Remember I luv u.
  Phil: That bad?! How much do we owe?
  Nicky: $3k
  Phil: What?! How could u?!
  Nicky: U promised.
  Phil: So did u!
target: Nicky and Phil owe the bank $3K.