You are given a conversation between two people. 'Person1:' and 'Person2:' are used to separate their respective dialogues. You are required to assign a label 'formal' if there is an absence of emotion and a presence of questions anywhere within the conversation. If such pattern is not found assign the label 'informal'.

 Person1:       Well , we've settled the question of price , quality and quantity . Now what about the terms of payment ?  
 Person2:We only accept payment by irrevocable letter of credit payable against shipping documents .  
 Person1:        I see . Could you make an exception and accept D / A or D / P ?  
 Person2:I'm afraid not . We insist on a letter of credit .  
 Person1:        To tell you the truth , a letter of credit would increase the cost of my import . When I open a letter of credit with a bank , I have to pay a deposit . That'll tie up my money and increase my cost .  
 Person2:Consult your bank and see if they will reduce the required deposit to a minimum .  
 Person1:        Still , there will be bank charges in connection with the credit . It would help me greatly if you would accept D / A or D / P . You can draw on me just as if there were a letter of credit . It makes no great difference to you , but it does to me .  
 Person2:Well , Mrs . Wang , you must be aware that an irrevocable letter of cred it gives the exporter the additional protection of the bank er's guarantee . We always require L / C for our exports . And the other way round , we pay by L / C for our imports .  
 Person1:        To meet you half way , what do you say if 50 % by L / C and the balance by D / P ?  
 Person2:I'm very sorry , Mrs . Wang . But I'm afraid I can't promise you even that . As I've said , we require payment by L / C . 
formal

 Person1:       I think Andy's party will be fun .  
 Person2:Yeah , I think so . Oh , by the way , I need to ask you something .  
 Person1:        What's that ?  
 Person2:Could I get back the sweater you borrowed ?  
 Person1:        Sure . Oh , that reminds me . Could I borrow your black leather boots ?  
 Person2:My boots ? Er ... Sure , ok . 
formal

 Person1:       Doesn't she have any friends ? 
 Person2:If she has , they must be fair-weather friends . 
 Person1:        Such friends are even worse than enemies . 
 Person2:She'd better keep away from them . 

formal

