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 afternoon . What can I do for you today , Madam ?  
 Person2:It's a little sensitive , actually . I need to get hold of some money , and quickly .  
 Person1:        OK , Madam . We are here to help .  
 Person2:I already have some Time Deposits with you , but unfortunately , they haven't matured yet . I really don't want to cash those just yet .  
 Person1:        I understand completely . There are other options , such as a Personal Pledge Loan .  
 Person2:I've not heard of that , could you tell me more , please ?  
 Person1:        The procedure is really simple and convenient . All you need to do is fill in this Loan Application form .  
 Person2:Right ... anything else ?  
 Person1:        Of course , we'll need some documentation from you . Like your resident permit , proof of salary and your USD Deposit Certificate , to use as collateral .  
 Person2:And then I just sign here ? You're right ! It certainly is simple and extremely convenient . 

formal