Yesterday in the middle of the night, my sister-in-law asked if I was home.

I looked confused and asked: What's wrong? Is there something going on?
My sister-in-law took a few minutes to reply: I've been married to your brother for three years and we don't have kids. Last week, we went to the hospital for a check-up. The doctor said your brother has low sperm count, and if we want to have a child, we need to do artificial insemination, which is very expensive—around 70,000 to 80,000 yuan. You know how much we want a child, so your brother wants me to talk to you about it...
I was stunned at the time and quickly responded: Sister-in-law, that might not be a good idea. Maybe we should go out instead of doing this at home.
My sister-in-law replied immediately: Brother, I think you misunderstood. I meant the money you borrowed; we can't borrow any more.