Definition: 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'.
Input:  Person1:       Which services offered by your band do you use most ? 
 Person2:I use several services . Of course , I deposit and withdraw money quite often . I often use my ATM card to take money out of my current account . I use my bank to exchange money form once currency t 
 Person1:        Do you ever ask you bank for traveller's cheques ? They are much safer than carrying lots of cash around . 
 Person2:I sometimes use traveller's cheques , but sometimes I travel to countries where they are hard to exchange for cash . 
 Person1:        Do you use your bank to pay your utility bills ? I use direct debit . 
 Person2:Yes , I do . It saves me a lot of time . I also have standing orders for my subscriptions to magazines . 
 Person1:        That ’ s good idea . You don ’ t need to worry about missing an issue of a magazine if you do that . I suppose you have a mortgage too . 
 Person2:Yes . My bank offers very good terms and conditions on mortgage . There ’ s a lot of competition between banks nowadays . Each one is trying to offer better conditions and services than the others . 
 Person1:        I have a deposit account with my bank . There are some restrictions on withdrawing money , but the interest rate is much higher . 
 Person2:I don ’ t have one . I prefer to buy shares . My bank also provides a share trading service . It ’ s cheap and easy to use . 
 Person1:        That ’ s great . But I prefer to put my money somewhere where the returns are more certain . 

formal