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:       Good morning . I ’ d like to ask some questions about your insurance policies . 
 Person2:Of course . Please sit down . How can I help you ? 
 Person1:        I bought a house recently and would like to insure it and its content . 
 Person2:I see . Here ’ s a pamphlet about our home insurance policy . We ’ Ve named our policy ” umbrella ” . May I ask how much you paid for your home and where you live ? These are the two main thing that decide how much your premiums are . 
 Person1:        I understand . I live in the Oakfield area and paid $ 100,000 for my home . 
 Person2:Let me just check that on my computer . Oakfield is a low risk area , so your premiums will probably be around $ 100 a month . The other thing to take into account is deductibles . 
 Person1:        In this pamphlet it says that the minimum amount for deductibles is $ 2000 . what does that mean exactly ? 
 Person2:It means That the first $ 2000 of any claim you make must be paid by you . The insurance policy covers any amount above that , up to the agreed limit . 
 Person1:        Oh , I see . That ’ s fine . What is the advantage of having higher deductibles ? 
 Person2:If you have higher deductibles , your premium are lower , because you will pay more of the claim and we will pay less . 
 Person1:        It seems that I should do some calculations before deciding . I presume that the insurance period can be for as long as we agree . 
 Person2:We initially sign one-year policies with our policyholders . These are renewable after the first year . 
 Person1:        If I have a claim , how long does it take to make a settlement ? I ’ Ve heard that with some insurance companies , it can take months . 
 Person2:That is of great concern to out clients . We aim to satisfy all claims within a month , but we can ’ t guarantee that 

formal