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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:	2163_1000_1129
TOPIC#:		304
DATE:		910318
TRANSCRIBER:	GL
UTT_CODER:	mlg
DIFFICULTY:	1
TOPICALITY:	1
NATURALNESS:	2
ECHO_FROM_B:	2
ECHO_FROM_A:	4
STATIC_ON_A:	1
STATIC_ON_B:	1
BACKGROUND_A:	2
BACKGROUND_B:	1
REMARKS:        None.    

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

o          A.1 utt1:  Okay. /  

o          B.2 utt1:  Okay. /  

sd          A.3 utt1:  I was trying to get my children quiet for a minute. /  

b          B.4 utt1:  Okay. /  

sv^t          A.5 utt1:  <<Takes a deep breath>> {D Well, } credit cards, {A boy, } that's an easy topic, /  

aa          B.6 utt1: [ Ye-, +    

qy^g          A.7 utt1:  isn't it <laughter>. /  

+          @B.8 utt1:  Yes, ]  /
sv          @B.8 utt2: it is <laughter>.  /
sv          @B.8 utt3:  It's one we all hold dear and near, I'm sure. /  

aa          A.9 utt1:  {F Oh, } yes,  /
aa^r          A.9 utt2: yes.  /
sd          A.9 utt3:  I guess I've had some good experience and some bad experience with them. /  

b          B.10 utt1:  Yeah,  /
sd          B.10 utt2: most of mine's been pretty good,  although [ I'm, + I guess I'm ] like a lot of other people, now,  /
sd          B.10 utt3: I'm trying [ to, + to ] pay off my credit cards  /
sd          B.10 utt4: [ {C and, } +  {C and, } ]  {F uh, } I've done pretty good at it.  /
%          B.10 utt5:  Yeah. /  

b          A.11 utt1:  Uh-huh <noise>.  /
sd          A.11 utt2:  {D Well, } I do fairly good until I go in the store and I see something I want <laughter>.    

x          B.12 utt1:  <Laughter>.   

+          A.13 utt1:  {D You know } --   

b          B.14 utt1:  Yeah. /  

+          A.15 utt1:  -- not need, want. /  

b          B.16 utt1:  Uh-huh,  /
sv          B.16 utt2: there is a big difference <<Voices>>. /  

sv^m          A.17 utt1:  There's a big difference there. /  

b          B.18 utt1:  Yeah,  /
b^r          B.18 utt2: yeah. /  

sd          A.19 utt1:  {C But } most of mine that I use is strictly gasoline. /  

b          B.20 utt1:  Yeah,  /
b^r          B.20 utt2: {F oh } yeah,  /
sd          B.20 utt3: [ I, + I ] do that,  /
sd^r          B.20 utt4: I do that,  /
sd          B.20 utt5: {C but } [ the rest, + like I said, the rest ] of them I've been trying [ to, + to ] pay off --   

b          A.21 utt1:  Uh-huh. /  

+          B.22 utt1:  -- and, {F uh, } get back on a cash basis, except for gas.  /
sd          B.22 utt2:  It's too easy [ to, + to ] run into the gas station. /  

sd          A.23 utt1:  {F Oh, } it sure is --   

%          B.24 utt1:  {C And, }   ((   )) . -/  

+          A.25 utt1:  -- especially when you work out of town and everything, that way <</Voices>>. /  

b          B.26 utt1:  Uh-huh. /  

sd          A.27 utt1:  At least that's for me. /  

b          B.28 utt1:  Yeah,  /
b^r          B.28 utt2: yeah. /  

b          A.29 utt1:  Yeah. /  

%          B.30 utt1:  {D So. } -/  

b          A.31 utt1:  {C But } yeah,  /
sd          A.31 utt2: [ I've, + I've ] talked to some who's really had some bad experience  /
sd          A.31 utt3: {C and } {A kind of knock on wood } I haven't yet, not bad. /  

b          B.32 utt1:  Yeah,  /
%          B.32 utt2: {D well } that's, -/  

sd          A.33 utt1:  {D You know, } [ I just, + I'm just ] shocked at the end of the month,   

x          B.34 utt1:  <Laughter>.   

+          A.35 utt1:  to see what damage I have did,  /
sd          A.35 utt2: {C but } <laughter>,   

b          B.36 utt1:  Yeah,  /
b^r          B.36 utt2: yeah. /  

+          A.37 utt1:  I try to keep it pretty reasonable. /  

sd          B.38 utt1:  {D Well, } I've been pretty lucky in that respect.  /
sd          B.38 utt2:  [ I don't charge, + like I say, I've, [ I + ] been trying [ to, + to ] not charge  ] except for emergencies. /  

b          A.39 utt1:  Uh-huh. /  

sd          B.40 utt1: [ [ {C And, } + {F uh, } {C so, } ] + {C but } ] I haven't really had any bad problems with credit cards.  /
%          B.40 utt2: There's, {D you know, } - /
sv          B.40 utt3: they have, {F uh, } wonderful features,  /
sv          B.40 utt4: they're there when you need them.   

b          A.41 utt1:  Yeah,  /
b^r          A.41 utt2: yeah. /  

+          B.42 utt1:  {D You know, } like in emergencies, or whatever. /  

sv          A.43 utt1:  {C And then } they have bad drawbacks, too.    

aa          B.44 utt1:  Yeah.  /
sv          B.44 utt2: [ It's, + # it's ] awfully easy. # /  

+          A.45 utt1:  # {E I mean } high interest, #  /
sd          A.45 utt2: it's like paying twice. /  

ba          B.46 utt1:  That's true,  /
ba^r          B.46 utt2: that's true, /  

b          A.47 utt1:  Yes,  /
%          A.47 utt2: {C so, } ((   )) . -/  

 %         B.48 utt1:  I try to, - /
sd          B.48 utt2: I did switch to one, {F uh, } sponsored by the credit union, though. That seems to be a pretty low interest.    

b          A.49 utt1:  {F Oh, } uh-huh. /  

+          B.50 utt1:  {D Yeah, }  compared to some of the other ones. /  

b          A.51 utt1:  Yeah,  /
b^r          A.51 utt2: yeah. /  

sd          B.52 utt1:  {C And } you don't have an annual fee there,  /
sd          B.52 utt2: {C and } that helps. /  

aa          A.53 utt1:  {F Oh, } yes.  /
sd          A.53 utt2:  {F Uh, } we used to have, {D you know, } {D like } several,  /
sd          A.53 utt3: {C but } right now, we're just more or less at American Express,   

b          B.54 utt1:  Uh-huh. /  

+          A.55 utt1:  {D you know, }  /
sd          A.55 utt2: {C and } that way we can go ahead and pay it off when it comes in. /  

b          B.56 utt1:  Yeah,  /
sd          B.56 utt2: that's one way to do it, because [ that, + that ] forces you to pay for it --   

b          A.57 utt1:  Yeah. /  

+          B.58 utt1:  -- instead of saying, {D well, } I'll just --   

^2          A.59 utt1:  Pay fifteen,  /
b          A.59 utt2: yeah. /  

+          B.60 utt1:  -- pay on it this month  /
%          B.60 utt2: {C and } <laughter>, -/  

aa          A.61 utt1:  Yes,  /
sd          A.61 utt2: I know,  /
b          A.61 utt3:  yeah. /  

b          B.62 utt1:  Yeah. /  

sv          A.63 utt1:  {C And } when you pay fifteen dollars a month it sure takes a long time. /  

b^m          B.64 utt1:  Takes a long time,  /
ba          B.64 utt2: that's right. /  

ba          A.65 utt1:  It sure does. /  

sv          B.66 utt1:  {C And } now without the benefits of being able to deduct interest [ off, + off ] your income tax --   

b          A.67 utt1:  Uh-huh. /  

+          B.68 utt1:  -- that's, {D you know. } - /
sd          B.68 utt2: Of course it's been going down for a number of years,  /
sd          B.68 utt3: {C but } this is the last year you can take anything.  /
%          B.68 utt4: {C So. } -/  

b          A.69 utt1:  Uh-huh,  /
b          A.69 utt2: yeah. /  

%          B.70 utt1:  {D So. } -/  

fc          @@A.71 utt1:  {D Well, } I've enjoyed talking to you. /  

fc^m          B.72 utt1:  {D Well, } I've enjoyed talking to you. /  

fc          A.73 utt1:  {C And } maybe we'll get to talk again. /  

fc          B.74 utt1:  Okay. /  

fc^m          A.75 utt1:  Okay,  /
fc          A.75 utt2: bye-bye. /  

fc^m          B.76 utt1:  Bye-bye. / 
