Rachel: Here it is. I love it. I wear it all the time.
Ross: The necklace I got you was gold. This is silver.
Rachel: Huh. Well, maybe it changed.
Ross: Oh, my God. You actually exchanged it.
Rachel: Well, isn't it better that I exchange it for something I actually enjoy and can get a lot of use out of?
Ross: What did you get?
Rachel: Credit.