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:       Welcome to IBA . What can we do for you ? 
 Person2:It's a bit of a problem situation , actually ... you see , our company has a Corporate Account with you , but unfortunately , we've been experiencing cash flow problems recently . 
 Person1:        I'm sorry to hear that . We value all of our customers , regardless of circumstances . What can we do to help ? 
 Person2:We are going to need a loan . I'm not sure what loan is suitable for us , though . 
 Person1:        If you think it will be very short-term , I would recommend you go with the 60 - day loan . Then it can be paid back quicker , so you won't have to consider it in the future . 
 Person2:That seems like a good idea , it's for wages , you see . 

formal