I know that you are willing to transfer 50%+ out of his credit :), but here is a trick for emergency purposes. If someone got for example 15 or 16, transfer all of this money to him/her ... send them back their 10 ... now you got 5 Riyals in your credit and they got 10 and it is something good better than ... If i send 10, what would I be left with? :)

Long time no see dear, how are you doing these days?