what makes it formal? writing it down, or standing up in court?
(the prohibition of commercial activities on shabbat. can borrow something but not take out a loan. defining the difference. for english translation of this talmud page, see here)
apologies for the picture quality, these are photographed rather than scanned. I am in new york for the week, and may have sporadic internet access while I am here. I will still be drawing, just might not be able to upload them everyday.