Predict the product for the following reaction. 
Definitions:
Formality
The adherence to established conventions or protocol, typically characterized by a high level of seriousness or professionalism.
Sensitivity
The quality of being easily affected by external actions or influences, often related to emotional responses or issues of confidentiality.
Routine Business Messages
Standard or usual communications related to the daily operations or transactions of a business.
Request For Credit
A formal plea or application to have a monetary value recognized or applied, often in business contexts.
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