Geoff: What was the serious talk about?
Erica: Nothing much. I'm just in crippling credit-card debt.
Geoff: What? Who would give you a credit card? You're completely irresponsible.
Erica: I know! I was just walking to class, and there was this booth with this really friendly dude who said if I'd fill out this form then I would get a credit card and a really cute beach tote.
Geoff: So, what do you owe?
Erica: Nothing to freak out over.
Geoff: $3,000?! At 33% interest?!
Erica: I know, pretty good, right?
Geoff: Oh, God, no! You are completely clueless. But I love you. Don't break up with me.