text: Tom: Hey dude, can you transfer me the money you owe me?
  Tom: It's been some time and I'm in a bit of a need
  Harry: Hey. Sure. Sorry it  took so long, but I had to straighten some things up.
  Harry: I'll send you confirmation in 5 minutes
  Tom: Chill. But thanks for quick reaction.
  Harry: And I thank you for your patience. :)
target: Harry owes Tom money. He will transfer it in 5 minutes.