John: Hey, Se-Jin, I was just on my way to find you.

Se-Jin: What’s up, John?

John: Se-Jin, I’m kind of broke, and you usually have a bundle tucked away. I wonder if you could give me a loan.

Se-Jin: Dream on! I’m hard up myself.

John: You see, I want to buy some new stereo equipment, and I’m just about a hundred short.

Se-Jin: Why not save up for it?

John: The stores have all stuff on a huge sales promotion right now. I could save at least 30 percent!

S-Jin: John, I’d lend you money if you were in a jam. But a new stereo isn’t an emergency.

John: Then I’m afraid I have to find someone who is more easy-going.