A because there should always be a comma between quotations and before or after the person who is talking.
Ex. "You should do that,"Mary warned.
Mary warned,"You shouldn't do that."
Answer:
informal is the first sentence and formal is the second sentence.
Submission or adherence to existing norms is safer than going against it especially if you are inexperienced or if you do not understand them. In other words, it is better to stay passive or be compliant when you have not experienced it or when you lack new and not used to it.