Joe: Can you take my watches to be repaired?
Joe: They're on my side cabinet with the Timson receipt.
Angel: Of course!
Joe: Hopefully it won't cost too much.
Angel: It's a gift! 
Joe: No! I'll pay you back or you can use the joint account.
Angel: Okay, no problem.
Joe: Thx.
Joe needs to have his watches repaired and asks Angel to get it done. Angel doesn't want to take money for it, but Joe insists he'll pay her back or she can take the money from the joint account. 