Phoebe: Hey, Joey, could I have a sip of your coffee and a bite of your muffin?
Joey: Okay.
Phoebe: Thank you. [Phoebe pours Joey's coffee into a thermos and takes his muffin] Thank you.
Joey: Pheebs, have you ever been bitten by a hungry Italian?
Phoebe: I'm sorry. It's just, I'm a little short on cash.
Joey: Well, if you want, I could loan you some money.
Phoebe: Oh, no. No, I learned never to borrow money from friends. That's why Richard Dreyfuss and I don't speak anymore.