teks `dia kata bank negara dah stopkan produk islamic sebab banyak hal  dia ada konvensional - 1.7% jek ta ..  yeke. dia tipu ko la tu. motif?  btul lps abis period 3thn leh refinance klu x kena penalty`, kelaskan texts {harassment, self-harm, religion insult, sexist, hate, racist, safe for work, psychiatric or mental illness, porn} dan pulangkan dalam bentuk JSON {'kelas'}
{"kelas": "religion insult"}