text: Joseph: We should collect some money for the insurance
  Nancy: I really don't think we need another one, everything is insured
  Donald: I think we're not safe enough 
  Chuck: I agree with Nancy, we should not pay more for that, it's pointless
  Donald: but that was what we decided
  Chuck: no, Donald, you decided it, I was not even there
  Nancy: neither was I
  Joseph: gosh, what a stalemate
  Donald: I'm not going to pay it myself
  Nancy: so we will function without it, perfect
target: Donald decided they need a bigger insurance. He didn't consulted anybody. Nancy and Chuck don't agree, because there is already an insurance that covers everything.