options: f : why do you think applying for a loan is complicated ? i think it is very easy . f : why do you think applying for a loan is not complicated ? f : you mean applying for a loan is complicated . why is that ? f : you mean applying for a loan is funny . i heard you said it 's hard to get a loan .
article: m : hi , where are you working now ? f : in a clothing factory , but i 'm trying to find another job . m : really , why ? f : you know , i 've been working there for more than 6 years , but i ca n't even buy a house . m : but do you like the job and the people ? f : yes , of course . the job is nice and the people are nice too . m : well , if you like the job , i suggest that you apply for a loan . f : but applying for a loan is complicated , is n't it ? m : absolutely not , but you must consider 3 things .