"I know. What's up?" Owen said.

Grace replied, "Well, I just got my car back. Did you pay for the repairs? How much was it? I'll transfer the money to you right now."

Owen was silent for a moment, but then he said, "I'll send you my account details in a bit."

"Alright," Grace said politely. "Sorry for bothering you. And also, thank you so much for everything."

Owen responded flatly, "There’s no need to be so formal."

With ...