text: Gina: Hey, how's it going?
  Rob: Ok, not bad, just the problem with my knee.
  Gina: What problem?
  Rob: I never told you? I have a problem with my meniscus. I need surgery.
  Gina: What's that?
  Rob: The meniscus is the soft cartilage between your knees. Actually, we have 2 of them. Well, one of mine is damaged and needs to be removed.
  Gina: Have you signed up for surgery?
  Rob: No, not yet. I checked out 1 hospital and they told me the earliest date they have available is in the year 2022...hehe.
  Gina: What? Are you serious??
  Rob: Yeah, I know, it's crazy. I'm thinking of going privately.
  Gina: How much would it be privately? 
  Rob: 5000
  Gina: That's not too bad. I mean, it's a lot, but not outrageous.
  Rob: Yeah, I know. Plus I can always get a small loan and pay it off slowly.
  Gina: Better than waiting till 2022. Is it painful?
  Rob: I have no idea. It would be arthroscopic surgery, so it's minimally invasive, I guess.
  Gina: Ok, that's not too bad. My uncle's had arthroscopy done. He was out and about 2 days after he got out of the hospital.
  Rob: Hmm... that doesn't sound too bad. I've read a lot of blogs on it. Everyone says something different.
  Gina: I don't think you should worry too much about it. What can happen if you don't do anything?
  Rob: Well, it could get a lot worse, damaging other parts of the knee. Plus I avoid certain movements now. I'm afraid of the knee locking up, and that's PAINFUL!
  Gina: That's not good. Just sign up for the surgery. I can help you out a little with the cost.
  Rob: It's ok, don't worry. I'll go to the bank and get a loan.
  Gina: The interest's going to be high. If I lend you a little, you won't have to borrow that much.
  Rob: That's really nice of you. I'll think about it.
  Gina: I'm serious!
  Rob: Thanks. 
  Gina: You just need to do something about it before it gets worse.
  Rob: Ok, thanks for the support!
  Gina: :)
target: Gina offered Rob a loan for his knee surgery, as the private one costs 5000.