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:       Are you the loan officer of this bank ? 
 Person2:I certainly am . What can I do for you ? 
 Person1:        I was wondering if I could ask you some questions about a loan I want to make . 
 Person2:Sure . By all means please do . Please take a seat . 
 Person1:        Thank you . See , I ’ m planning to buy a car here and I ’ m planning to use my time deposit here as the collateral . 

formal