text: Tom: Knock knock
  Tom: Mary's birthday is approaching. Any ideas?
  Karen: How much are we chipping in?
  Henry: Even though I'd love to buy her something nice, my budget is quite tight at the moment
  Mike: I think 20 each should be all right
  Tom: Hm, there's 4 of us, so 80 in total
  Karen: Five, Dan will chip in too
  Tom: Great! I think that 100 is more than enough :)
  Tom: Thanks guys!
target: It's Mary's birthday soon. Tom, Karen, Henry and Mike are chipping in for a gift for her.