def split_words(txt):
    if " " in txt:
        return txt.split()
    elif "," in txt:
        return txt.replace(',',' ').split()
    else:
        return len([i for i in txt if i.islower() and ord(i)%2 == 0])
from typing import List
def below_zero(operations: List[int]) -> bool:
    balance = 0
    for op in operations:
        balance += op
        if balance < 0:
            return True
    return False