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: :)
Gina offered Rob a loan for his knee surgery, as the private one costs 5000.