text: James: Hey man
  Cole: hey
  James: I need some cash
  James: can you lend me some
  Cole: uhh no
  James: I'll give it back
  Cole: that's not the problem
  Cole: I'm just broke myself
  James: ugh fine... gees what a month
  Cole: yeah I know
target: James wants to borrow some money from Cole. Cole has no money.