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*x*                                                                     *x*
*x*            Copyright (C) 1995 University of Pennsylvania            *x*
*x*                                                                     *x*
*x*    The data in this file are part of a preliminary version of the   *x*
*x*    Penn Treebank Corpus and should not be redistributed.  Any       *x*
*x*    research using this corpus or based on it should acknowledge     *x*
*x*    that fact, as well as the preliminary nature of the corpus.      *x*
*x*                                                                     *x*
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FILENAME:	2418_1104_1204
TOPIC#:		357
DATE:		910403
TRANSCRIBER:	AM
UTT_CODER:      MMAB
DIFFICULTY:	2
TOPICALITY:	2
NATURALNESS:	1
ECHO_FROM_B:	3
ECHO_FROM_A:	3
STATIC_ON_A:	1
STATIC_ON_B:	1
BACKGROUND_A:	2
BACKGROUND_B:	2
REMARKS:        Speaker A dominated conversation.

============================================================================
  

ad^t          A.1 utt1:  Get us going. /  

aa          B.2 utt1:  Okay. /  

qy          A.3 utt1:  [ Are, + are ] you at T I Austin  /
%         A.3 utt2: {C or, } -/  

ng          B.4 utt1:  {D Well, } I left T I in January  /
sd          B.4 utt2: {C but } I signed up for this before I did. /  

ba          A.5 utt1:  {F Oh, } that's great.  /
%          A.5 utt2:  No,  /
sd          A.5 utt3: {F uh, } {F uh, }  my daughter has talked to, my daughter up here with us, - /
sd          A.5 utt4: I have another one,  /
sd          A.5 utt5: {C and } she's talked to students, {F uh, }  /
sd          A.5 utt6: {D so } I guess they have, {F uh, } sent this to their customers and people in colleges and things.  /
%          A.5 utt7: {D So } they're, - /
sd          A.5 utt8: if you're a computer user, - /
sd          A.5 utt9: {D so } my daughter has talked to two students, {F uh, } that were non,   

sv          B.6 utt1:  {F Oh, } I think [ that's a, +   

+          A.7 utt1:  T I -ers.  /
sd          A.7 utt2:  {D So } I guess, -/  

+          B.8 utt1:  that's a ] good idea. /  

b          A.9 utt1:  {F Oh, } yeah. /  

b          B.10 utt1:  All right. /  

ad^t          @A.11 utt1:  [ W-, + we're ] on finances,  /
qy          @A.11 utt2: [ have you, + have you ] retired  /
%          @A.11 utt3: {C or, } {F uh, } -/  

nn          B.12 utt1:  {F Oh, } no,  /
nn^r          B.12 utt2: no,  /
nn^r          B.12 utt3: no,  /
nn^r          B.12 utt4: no <laughter>. /  

bk          A.13 utt1:  Oh. /  

sd^e          B.14 utt1:  {D Actually } I [ left T I, + {F um, } had basically set my sights to leave T I ] when they announced there would be no salary increases in ninety-one, because [ [ I, + I def-, ] definitely ] need to make a little more money, /  

b          A.15 utt1:  {F Oh, } yeah. /  

sd          B.16 utt1:  {C and, } {F uh, } I haven't really accomplished that yet,  /
sd          B.16 utt2: {C but } I'm trying. /  

b          A.17 utt1:  {F Oh, } yeah,  /
%          A.17 utt2: [ it's, + {F uh, } that's, ] - /
%          A.17 utt3: the finances, - /
sv^t          A.17 utt4: I guess  (( we're ))  on the subject of finances,  /
sv          A.17 utt5: it is tough.  /
sd          A.17 utt6:  {F Uh, } I've been with T I, - /
sd          A.17 utt7: I'm just going to be fifteen years this year  /
sv          A.17 utt8: [ {C and, } + {C and } ] that's a tough thing, {F uh, } the salary thing.  /
sv          A.17 utt9: T I doesn't quite always do it right.  /
qo^d          A.17 utt10:  {D Well, } what about [ [ our, + our, ] + our ] financial budget.  /
qy^d          A.17 utt11:  {D Well, } [ you, + you ] should have a lot of information on a budget, then, if you're, {F uh, } -/  

ng          B.18 utt1:  I wish I did.  /
qy^d          B.18 utt2:  [ I, + I ] hope [ you're, + you're ] a person who does things better than, - /
sd          B.18 utt3: [ I, + I ] don't have a budget.  /
sd          B.18 utt4:  That's one of my goals for this year is to try to get myself in a good, {F oh, } long-range planning budget mode.  /
sd          B.18 utt5:  {F Um, } I'm a single mom  /
sd          B.18 utt6: {C and } I've been just, {F uh, } trying to get, -/  

sv          A.19 utt1:  {D Well, } [ [ you, + you, ] + you ] deserve an honor for that, a gold star for that, I guess <laughter>. /  

ft          B.20 utt1:  <Laughter> Thank you,  /
sv          B.20 utt2: it's nice to have someone understand that. /  

aa          A.21 utt1:  Right,  /
aa          A.21 utt2: {D sure. } /  

qo          B.22 utt1:  [ H-, + how ] about yourself,  /
qy          B.22 utt2: do you have a budget you live by? /  

na          A.23 utt1:  {D Well, } I guess I do,  /
sd          A.23 utt2: I do have a long-term budget bec-, - /
sd          A.23 utt3: I got a daughter in college and one going to be in college  /
sd          A.23 utt4: {C so } that, I've been thinking about that for quite a while.  /
sd          A.23 utt5:  {D Now } [ mo-, + monthly, ] no.  /
sd          A.23 utt6: I'll tell you a funny story about budgeting,  /
sd          A.23 utt7: {C and } <swallowing> I've been married twenty-six years  /
sd          A.23 utt8: {C and } I did, {D you know, } that the macho thing,  /
sd          A.23 utt9: the man always did the bills for,   

b          B.24 utt1:  Uh-huh. /  

+          A.25 utt1:  I don't know, fifteen years or more,  /
sd          A.25 utt2: {C and } I got so sick of it, trying to balance the budget, {F uh, }  one, - /
sd(^q)          A.25 utt3: {C and } I always tried to show my wife, {D you know, } here's how you, - /
sd(^q)          A.25 utt4: once a year I'd say, here's how you do the budget in case I get sick,  /
sd(^q)          A.25 utt5: {C or } here's how you do the checks, {D you know. } /  

b          B.26 utt1:  Right. /  

sd          A.27 utt1:  One day I gave her the checkbook  /
sd(^q)          A.27 utt2: {C and } I said, I'm not doing this anymore.  /
^q          A.27 utt3: You do it,  /
^q          A.27 utt4: you learn it,  /
sd          A.27 utt5: {C and } I've been happy ever since. /  

ba          B.28 utt1:  {D Well, } that's great.  /
qo          B.28 utt2:  How about your, -/  

sd          A.29 utt1:  She does it all now for about ten years,  /
sd          A.29 utt2: {C and } I don't even, - /
sd          A.29 utt3: she complains to me about it,  /
sd          A.29 utt4: she threatens me to give it back to me, /  

x          B.30 utt1:   ((   )) .   

sd(^q)          A.31 utt1:  {C and } I said, I've been a happy man since I haven't,   

x          B.32 utt1:  <Laughter>.   

+          A.33 utt1:  fooled with that checkbook, {D you know } <laughter>. /  

b          B.34 utt1:  <Laughter> Oh. /  

sv          A.35 utt1:  {D So } I know it's a big pain to try to do that. /  

aa          B.36 utt1:  It really is.  /
aa^r          B.36 utt2:  [ It, + it ] really is.  /
sd          B.36 utt3: {D You know, } that was always [ a, + a ] major problem in our marriage.  /
sd          B.36 utt4:  What I have always identified is I am basically good with money.  /
sd          B.36 utt5:  [ It, + I ] don't really need a budget to tell me not to spend it.  /
sv          B.36 utt6:  I,   

b          A.37 utt1:  Right. /  

+          B.38 utt1:  think that comes from never having enough.  /
sd          B.38 utt2:  {D You know, } I'm always afraid [ of + <laughter> <breathing> I'm ] going to need some and where will it be. /  

b          A.39 utt1:  Right,  /
b          A.39 utt2: {F oh, } yeah. /  

nn          B.40 utt1:  {D So, } {F um, } no,  /
sd^e          B.40 utt2: [ [ I, + I've, ] + I've ] finally worked myself into a spot where I can budget.  /
sd          B.40 utt3:  [ When I, + when I ] was first divorced, [ I had, + {F um, } I sat ] down and budgeted  /
sd          B.40 utt4: {C and } I had outgo that was [ wha-, + much ] higher than what I had coming in. /  

aa          A.41 utt1:  Yes,  /
sv          A.41 utt2: I think, {F uh, } that that is a tough, {F uh, } - /
%          A.41 utt3: we all, - /
sv          A.41 utt4: [ seems to th-, + seems to be ] that way. /  

sd          B.42 utt1:  I tried to hang onto a house that was way too expensive for me,  /
sd          B.42 utt2: [ {C and, } +   

b          A.43 utt1:  Yeah. /  

+          B.44 utt1:  {C and so } ] [ now that I've gotten, {D you know, } + {A I lost the house. }   Now that I've gotten ] past that, I can sit down and say, okay,  /
^q          B.44 utt2: this is the reality.  /
^q          B.44 utt3:  This is how much money I have each month.  /
sd         B.44 utt4:  The scary thing is, as far as long term, I don't have anything.  /
qy^d          B.44 utt5:  I don't know if you have an I R A or, {F uh, } {D you know, } - /
sd          B.44 utt6: {C and } I've got two girls, also,  /
sd          B.44 utt7: {C and } I haven't saved anything for their college  /
%          B.44 utt8: {C and, } -/  

b          A.45 utt1:  Yeah,  /
ad          A.45 utt2: [ that's, + you ] need to do that.  [ [ I'll, + I'll, ] + I'll ] give you a hint.  /
qy^d          A.45 utt3:  I don't know if you're [ a ta-, + a radio talk, ] {F uh, } person listener.  /
qy         A.45 utt4:  Do you listen to radio talk shows? /  

na          B.46 utt1:  Sometimes I have. /  

ad          A.47 utt1:  Listen to Bruce Williams, {F uh, } for financial advice. /  

aa          B.48 utt1:  Uh-huh. /  

sd          A.49 utt1:  He's on, {F oh, } - /
sd         A.49 utt2: I don't know what he's going to be in Austin.  /
sd          A.49 utt3: He's on five seventy here.  /
sd          A.49 utt4:  Inter-, {F oh, } - /
sd          A.49 utt5: he's nationally famous.  /
sd          A.49 utt6:  He's a college graduate type guy.  /
sd          A.49 utt7:  He's been in all, - /
sd          A.49 utt8: he's an entrepreneur  /
sd          A.49 utt9: {C and } he gives very practical financial advice about cars, very, {D you know, } [ not, + not ] nothing college level, basic stuff.  /
sd          A.49 utt10:  His name is Bruce Williams,  /
sd          A.49 utt11: he's on national radio.  /
sd         A.49 utt12:  {F Uh, } I don't know,   

x          B.50 utt1:  <Doorbell>.   

+          A.51 utt1:  what it would be down there.  /
ad          A.51 utt2:  You might want to, - /
sd          A.51 utt3: whatever your radio talk shows are down there, he's on that channel.  /
sd          A.51 utt4:  [ It's, +   

aa          B.52 utt1:  {D Well, } I'll check that out. /  

+          A.53 utt1:  {F uh, } it's ] five seventy up here. /  

b          B.54 utt1:  Uh-huh. /  

sd          A.55 utt1:  {C And } I'd listen to talk shows for everything, for gardening and everything, just when I'm doing chores,  /
sd          A.55 utt2: {C and, } {F uh, }   

qy^d          B.56 utt1:  You've learned a lot. /  

+          A.57 utt1:  he gives a wealth of information, very practical stuff  /
sd          A.57 utt2: [ {C and, } + {C and } ] he will help you avoid a lot of little things, {F uh, } financially. /  

ba          B.58 utt1:  {D Well, } [ that's, + that's ] good to know how, /  

aa          A.59 utt1:  Yeah,  /
sv          A.59 utt2: [ there, + there's ] a lot of advice out there for how to get a budget.  /
sd          A.59 utt3: {C And } [ I, + I'm ] not expert, again, because,   

b          B.60 utt1:  Uh-huh. /  

+          A.61 utt1:  I don't really do it monthly. /  

sv          B.62 utt1:  {D Well, } you must have done something.  /
sd          B.62 utt2:  You're, you're helping your children in school  /
sd          B.62 utt3: {C and } you're --   

aa          A.63 utt1:  Right. /  

+          B.64 utt1:  -- {D you know. } -/  

sd          A.65 utt1:  I did start a college fund.  /
sd          A.65 utt2:  [ I'm not, + {F uh, } I have ] one again at U T down there now,   

b          B.66 utt1:  Uh-huh. /  

+          A.67 utt1:  her first year, /  

x          B.68 utt1:  <Doorbell> <breathing>.   

sd          A.69 utt1:  {C and } she's almost gone through her whole college fund, {D you know } <laughter>. /  

ad          B.70 utt1:  Excuse me, Jim,  /
ad          B.70 utt2: could you hold on?  /
sd          B.70 utt3: I have someone at the door. /  

aa          A.71 utt1:  {D Sure, } go ahead. /  

cc          B.72 utt1:  I'll be right back. /  

b          A.73 utt1:  {D Sure. } /  

ft          B.74 utt1:  <<Long pause>> <<Voices in background>> Thank you.  /
sd          B.74 utt2:  I think we might have just screwed up the computer  /
sd          B.74 utt3: {C but } we'll find out. /  

ba          A.75 utt1:  {F Oh, } no,  /
%          A.75 utt2: (( yeah,  /
%          A.75 utt3: right )) ,  /
sd^t          A.75 utt4: they give us ten minutes, {F uh. } /  

b          B.76 utt1:  Oh. /  

sv          A.77 utt1:  {F Uh, } the only advice I give you on college would be, there's a lot of scholarship money out there.  /
sd          A.77 utt2:  My daughter got a little bit, not much, only first year  /
sd          A.77 utt3: she got about two thousand dollars worth,  /
ad          A.77 utt4: {C and } you ought to, {D well, }  as your daughters approach the college age, {F uh, } start finding out about the scholarship monies because there is a lot of money out there  /
%          A.77 utt5: {C and, } {F uh, } -/  

qw          B.78 utt1:  [ {C And, } + {C and } ] how did your daughter get scholarship money on? /  

sd          A.79 utt1:  {F Uh, } band.  /
sd          A.79 utt2: She got, {D you know, } five hundred dollars [ at a, + at a ] clip through bands, through leadership.  /
sd          A.79 utt3:  {F Uh, } there's all kinds of civic organ-, organizations that will give you, {D you know, } one shot money.  /
sd          A.79 utt4:  {F Uh, } you get a president's award if [ you're, + you're ] [ in, + in ] high school doing cer-, - /
sd          A.79 utt5: this up [ by, +  here ] in Arlington. {F Uh, } - /
sd          A.79 utt6: there's a lot of, - /
sd          A.79 utt7: {C and, } of course, [ you, + [ if you, + you ] ] score high on the S A T,   

b          B.80 utt1:  Uh-huh. /  

+          A.81 utt1:  you can get, {D you know, } two thousand a year, {D you know, } or more. /  

ba          B.82 utt1:  Wow. /  

sd          A.83 utt1:  You can get yearly money as long as you keep up your grades.  /
sd          A.83 utt2:  [ She, + she ] did very well in school  /
sd          A.83 utt3: [ {C and, } + {F uh, } {C but } ] she only got first year money.  /
sd          A.83 utt4:  She got about two thousand dollars.  /
sd          A.83 utt5: It was only five hundred,   

b          B.84 utt1:  Uh-huh. /  

+          A.85 utt1:  dollars at a clip from this organization.  /
sd          A.85 utt2:  We called.  /
sd          A.85 utt3:  [ There were, + there were ] two or three people,  /
sd          A.85 utt4: there was some little civic organization in Dallas that gave money away  /
sd          A.85 utt5: {C and } only two or three people applied.  /
sd          A.85 utt6: She applied and  got five hundred dollars from that. /  

ba          B.86 utt1:  Wow, /  

ad          A.87 utt1:  {D So, }    

aa          B.88 utt1:  {F oh, } I'm definitely going to be --   

+          A.89 utt1:  look into that bit, /  

+          B.90 utt1:  -- actively looking into that. /  

sd          A.91 utt1:  The year that they graduate, {D you know, } before, though, {D you know, } while (( they're graduating )) , there's all kinds of little bitty money that little clubs will give away, churches and everything,  /
sd          A.91 utt2: {C and } they  (( don't ))  even have a dozen applicants because, {F uh, } {F uh, } the kids are going off after the big money. /  

b          B.92 utt1:  Uh-huh. /  

sd          A.93 utt1:  {F Uh, } of course, you have to have some sort of record in high school, {F uh, } of, of achievement and everything,  /
sd          A.93 utt2: {C but } sometimes it's just, {F uh, } - /
sd          A.93 utt3: {D like } our band gave money away.  /
sd          A.93 utt4:  We're a band booster club.  /
sd          A.93 utt5:  [ We gave, + we give, ] {F uh, } two five hundred dollar scholarships just to kids, {F uh, } who we think were worthy, {D you } know  /
sd          A.93 utt6: {D so, }    

ba          B.94 utt1:  {D Well, } that's great to know. /  

+          A.95 utt1:  There's money out there. /  

b          B.96 utt1:  Yeah,  /
ba          B.96 utt2: that's good. /  

ad          A.97 utt1:  Go ahead,  /
ad          A.97 utt2: you can talk.  /
sd          A.97 utt3:  [ [ I, + I don't want to, ] + I want to ] chew up the whole line {D here. } /  

sv          B.98 utt1:  {F Oh, } {D well, } [ you're doing, + you're doing ] just fine,  /
sd          B.98 utt2: [ {C and, } + {C and, } ] {F uh, } {D actually } [ I, + when I talk I ] usually like to ask a lot of questions.  /
qw^d          B.98 utt3:  I was wondering what you do at T I. /  

sd          A.99 utt1:  {F Oh, } I'm an engineer.  /
sd          A.99 utt2:  [ I'm, + {F uh, } in fact, I'm ] working the night because of the cutbacks and everything.  /
sd          A.99 utt3:  {F Uh, } my job, - /
sd          A.99 utt4: there were three managers jobs that were just dissolved  /
sd          A.99 utt5: {C and so } they put me on nights.  /
sd          A.99 utt6:  [ I, + I ] call this my recession job. /  

ba          B.100 utt1:  {F Oh, } goodness. /  

sd          A.101 utt1:  {C And } I'm working nights just kind of covering, {F uh, } shutdown equipment and  everything,   

b          B.102 utt1:  Uh-huh. /  

+          A.103 utt1:  and just being available,   

b          B.104 utt1:  Uh-huh. /  

+          A.105 utt1:  here.  /
sd          A.105 utt2:  I don't mind.  /
sd          A.105 utt3:  {F Uh, } it beats being laid off and everything.  /
sv          A.105 utt4:  {C And, } {F uh, } [ you, +   

aa          B.106 utt1:  {F Oh, } absolutely. /  

+          A.107 utt1:  you ] got to be a little flexible. /  

b          B.108 utt1:  Yeah. /  

sd          A.109 utt1:  {F Uh, } in my old age I'm trying to just hang in there until I get my kids through school  /
sd          A.109 utt2: {C and then } I'd like to teach, maybe mathematics or something.  /
sd          A.109 utt3: I'm trying to study for that now. /  

sd          B.110 utt1:  {F Oh, } I hope you can do that. /  

b          A.111 utt1:  Right, {F uh, } /  

sd          B.112 utt1:  [ What, + what ] I did is - /
sd          B.112 utt2: I was approached  /
sd          B.112 utt3: [ {C and, }  {C and } ] [ I've, + I ] went to T I just right at the time that, {F uh, } my marriage was ending.  /
sd          B.112 utt4:  I had been [ a, +  a ] stay at home mom  /
sd          B.112 utt5: [ {C and, } +   

b          A.113 utt1:  Uh-huh. /  

+          B.114 utt1:  {C and } ] [ I, + I ] [ mo-, + was ] very fortunate in starting,  /
sd          B.114 utt2: {C and } I really enjoyed it while I was at T I,  /
sd          B.114 utt3: {C but, } {D you know, } the cutbacks were really getting to be rather frightening  /
sd          B.114 utt4: {C and } I had less than five years  /
sd          B.114 utt5: {C and, } also, I wanted to make a little bit more money.  /
sd          B.114 utt6:  {C So } I decided I'd like to go out and try sales. /  

b          A.115 utt1:  {F Oh, } yeah. /  

sd          B.116 utt1:  {C And, } {F uh, } [ I'm, + I'm ] out trying to sell telephone systems to businesses. /  

b          A.117 utt1:  Right. /  

sd          B.118 utt1:  {C And } the potential there is fantastic. /  

b          A.119 utt1:  {F Oh, } sure. /  

sd          B.120 utt1:  The reality of it is it's tough <laughter>.  /
x          B.120 utt2: <<Background voices.>>   

sv          A.121 utt1:  {D Well, } it's tough right now for everybody. /  

aa          B.122 utt1:  Exactly. /  

sd          A.123 utt1:  <<Background voices>> Up here in the Dallas Metroplex it's awful.  /
sd          A.123 utt2:  {F Hey, } I've got another clue for you for college. /  

b          B.124 utt1:  Uh-huh. /  

sd^r          A.125 utt1:  Another clue for you for college money. /  

b          B.126 utt1:  Okay. /  

ad          A.127 utt1:  Go to work for U T.  /
sd         A.127 utt2:  {F Uh, } we have a friend [ who works, + who is ] a secretary for T C U, {D you know, } up here? /  

b          B.128 utt1:  Yes. /  

sd          A.129 utt1:  They give you scholarship, a hundred percent, [ if you're, + if you work ] for T C U. /  

bh          B.130 utt1:  They do? /  

ny          A.131 utt1:  Yes.  /
ad          A.131 utt2: {D So } --   

aa          B.132 utt1:  I'm going to check that.  /
sd          B.132 utt2: [ I've got, +   

+          A.133 utt1:  -- check that one out, {D you know. } /  

+          B.134 utt1:  I've got ] two friends that work [ at, + at ] U T.  /
sd          B.134 utt2:  I didn't know that all. /  

ad          A.135 utt1:  Ask them about it.  /
ad          A.135 utt2: Call them. /  

aa          B.136 utt1:  Definitely, I will. /  

sd          A.137 utt1:  {C And, } {C because } it's [ full, + full ] scholarship.  /
sd          A.137 utt2:  {D Now, } it's, {F uh, } not room and  board, /  

b          B.138 utt1:  Uh-huh. /  

sd          A.139 utt1:  {C but } it's tuition, full tuition paid if your parent works at T C U. /  

ba          B.140 utt1:  {D Well, } that sounds fantastic.  /
x          B.140 utt2:  <</Background voices.>>   

sd          A.141 utt1:  {C And } [ her, + her ] mother went over there just for that ... / 
