text: Maria: Guys, do you have revolut?
  Jenny: I don't have yet, but I heard it's a perfect solution for international money transfers
  Mel: I have it, it's very good, saves money
  Maria: ok, thanks! I'll get it too. Just seemed too good to be true
target: Jenny doesn't have Revolut, but has heard good things about it. Mel has it and is satisfied with it. Maria will get it. 