text: Terry: I learned one thing, I cannot trust anybody
  Terry: and in case of real problems, I'm always alone
  Jim: I'm sorry to read that you're so pessimistic
  Georg: yeah, but I agree, this is also my experience
  Simone: but what do you mean by "nobody"?
  Terry: if you have real problems, like me after the accident
  Terry: everybody says they are sorry
  Terry: but nobody will help you
  Terry: I don't even mean a loan
  Terry: nobody even offered me a dinner
  Jim: I'm so sorry I was not there
  Terry: never expecting anything from anybody
  Terry: this is the lesson I learned
target: Terry had an accident and nobody helped him.