Nicky: Got a letter from the bank. Need to talk.
Phil: S'up?
Nicky: Promise u won't be angry.
Phil: What's wrong?
Nicky: Promise.
Phil: Fine. I promise.
Nicky: Remember I luv u.
Phil: That bad?! How much do we owe?
Nicky: $3k
Phil: What?! How could u?!
Nicky: U promised.
Phil: So did u!
Nicky and Phil owe the bank $3K.