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 day ! What can we do for you ?  
 Person2:I'm considering buying a new car , the old one hasn't been running too well recently , and was wondering what kind of credit you can offer me .  
 Person1:        Buying a new car is a big expense ; we understand that , so we have a variety of loans to suit your needs .  
 Person2:That's great . I'm looking to borrow quite a large sum , though .  
 Person1:        With our Personal Automobile Consumer Loan , the borrower can borrow up to 80 % of the purchase price .  
 Person2:That's good news . The car I'm interested in is priced at 120,000 RIB , but I think I can get a bit of discount on that . I can afford to put up around 40,000 RIB myself .  
 Person1:        That's great . You will need to make an initial down payment of 20 % , and then we can get going with this .  
 Person2:The funds are all ready to go in my personal account , so let's transfer it . 

informal