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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:	3781_1480_1298
TOPIC#:		304
DATE:		920117
TRANSCRIBER:	glp
UTT_CODER:	lsh
DIFFICULTY:	1
TOPICALITY:	1
NATURALNESS:	2
ECHO_FROM_B:	2
ECHO_FROM_A:	3
STATIC_ON_A:	1
STATIC_ON_B:	2
BACKGROUND_A:	1
BACKGROUND_B:	1
REMARKS:        None.

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

sv          B.1 utt1:  {D Well, } I suppose we both have credit cards. /  

aa          A.2 utt1:  Uh-huh,  /
aa          A.2 utt2: yeah,  /
sv          A.2 utt3: they seem to be a part of life <laughter>. /  

b          B.3 utt1:  Yeah. /  

b          A.4 utt1:  Yeah,  /
qw          A.4 utt2: how do you use them? /  

sd          B.5 utt1:  {D Well, } I do use them. /  

b          A.6 utt1:  Uh-huh. /  

sd          B.7 utt1:  {F Uh, } I have a few favorites that I use more than others  /
sd          B.7 utt2: {C and, }  {F uh, } I try to keep my balances fairly reasonable.  /
sd          B.7 utt3:  [ I, + I ] could probably pay them off any month if I wanted to. /  

b          A.8 utt1:  Uh-huh. /  

sv          B.9 utt1:  {F Uh, } {C but } occasionally they can get out of hand and get higher [ when, + when ] you start using more than a few -- /  

b          A.10 utt1:  Uh-huh. /  

sv          B.11 utt1:  -- {C and, }  {F uh, } they all can build up. /  

b          A.12 utt1:  Uh-huh. /  

sv          B.13 utt1:  {F Uh, } I think they're handy.  /
sd          B.13 utt2:   I just get,  {F uh, } - /
sd          B.13 utt3: I don't carry  a lot of cash with me -- /  

b          A.14 utt1:  Uh-huh. /  

sd          B.15 utt1:  -- {C and, }  {F uh, } I hate writing checks  --   

b          A.16 utt1:  Yeah. /  

+          B.17 utt1:  -- when you go shopping. /  

b          A.18 utt1:  Uh-huh. /  

qy          B.19 utt1:  {D Well, } do you use credit cards? /  

ny          A.20 utt1:  Yeah,  /
sd^e          A.20 utt2: I use a few.  /
sd          A.20 utt3:  [ I, + {F uh, } I ] watched my grandmother go into debt <laughter> --   

b          B.21 utt1:  Uh-huh. /  

+          A.22 utt1:  -- on them  /
sd          A.22 utt2: {C and so } I've, - /
sd          A.22 utt3: {C and then } I guess my --   

b^m          B.23 utt1:  # Grandmother # -- -/  

+          A.24 utt1:  -- # mother, # -/  

br          B.25 utt1:  -- {F huh? } /  

b          A.26 utt1:   Yeah,  /
sd          A.26 utt2: {C so } my mother learned from that  /
sd          A.26 utt3: {C and } I guess she taught me <inhaling> to be very, very careful with them.  /
sd          A.26 utt4:  {C So } basically, {F uh, } I just keep them,  /
sd          A.26 utt5: I use them so that I build up a credit rating, {D you know. } /  

b          B.27 utt1:  Uh-huh. /  

sd          A.28 utt1:  {C But, }  otherwise, {F uh, } I generally, - /
sd          A.28 utt2: {C and } my husband, it turns out, - /
sd          A.28 utt3: I've just been married seven months,  /
sd          A.28 utt4: {C but } he has the same habit  /
sd          A.28 utt5: {C and } we just keep a [ few -- +   

ba          B.29 utt1:  That's good. /  

+          A.30 utt1:  -- {D you know, } few ] of the major ones,  and then use them once in a while for something,  /
sd          A.30 utt2: {C but } we always pay it off right that month --   

ba          B.31 utt1:  {F Oh } [ that's, +   

+          A.32 utt1:  -- so that we don't pay any --   

+          B.33 utt1:  That's ] wonderful. /  

+          A.34 utt1:  -- service charge.  /
sd          A.34 utt2: {C So } that way we keep out of debt  /
sd          A.34 utt3: {C and } we keep on top of what we're spending. /  

sv          B.35 utt1:  {D Well, } the interest rates in credit cards is so high now --   

b          A.36 utt1:  # Yeah. # /  

+          B.37 utt1:  -- # compared # to what you're savings is bringing.  /
sv          B.37 utt2:  It's really,  I guess ridiculous to let them keep building. /  

aa          A.38 utt1:  Yeah,  /
aa^r          A.38 utt2: yeah,  /
sd          A.38 utt3: that's what I feel.   /
%          A.38 utt4: {C So, } -/  

sd          B.39 utt1:  {C But } I know some people can [ get, + get, ] {D you know, } carried away with them  and  let them get --   

b          A.40 utt1:  Uh-huh. /  

+          B.41 utt1:  -- out of hand. /  

sv          A.42 utt1:  It's really easy, just to forget, {D you know, } that [ you, + you ] charged that or  charged that. /
sd          A.42 utt2:  I try to keep all my receipts and keep them in someplace where I know that the bill's going to come, /
sd          A.42 utt3: {C but } sometimes I forget  /
sd          A.42 utt4: {C and so, } {D you know, } [ s-, + ] a bill will come in  /
sd(^q)       A.42 utt5: {C and } I'll think, {F oh, } no --   

b          B.43 utt1:  Uh-huh. /  

+          A.44 utt1:  -- I didn't know it was going to be that high. /  

b          B.45 utt1:  {F Uh-, } yeah. /  

sd          A.46 utt1:  {C But } so far, [ I've been able to, + we've been able to ] pay it off every time  /
%          A.46 utt2:   {C so, } -/  

ba          B.47 utt1:  {D Well, } that's good.  /
sd          B.47 utt2: [ I'm looking, + right now I'm [ k-, + kind of looking ]  ] for a Visa that has a lower interest rate. /
sv          B.47 utt3: It seems that some of them have gotten higher -- /  

b          A.48 utt1:  Uh-huh. /  

sd          B.49 utt1:  -- {C and, }  {F uh, } I saw on T V, they had a program on, {F uh, } credit cards  /
sd          B.49 utt2: {C and }  they're supposed to, - /
sd         B.49 utt3: I don't know if it was Tennessee or Arkansas or [ some, + some ] other state had a Visa card that was the lowest one in the country.   /
sd          B.49 utt4: {C And } I --   

b          A.50 utt1:  Uh-huh. /  

+          B.51 utt1:  -- didn't write it down at the time  /
sd          B.51 utt2: {C and then } I went and looked [ and, + ] to see what my visa was  /
sd          B.51 utt3: {C and } I think it's eighteen percent or something -- /  

%          A.52 utt1:  {F Um. } /  

sd          B.53 utt1:  -- {C so, } think I want to find something that has a lower --   

b          A.54 utt1:  Yeah. /  

+          B.55 utt1:  -- rate. /  

qy          A.56 utt1:  Have you ever used Discover card? /  

nn          B.57 utt1:  No,  /
sd^e          B.57 utt2: I haven't. /  

b          A.58 utt1:  Yeah,  /
sd          A.58 utt2: I'm not even sure what their interest rate is since I pay it off <laughter>  /
%          A.58 utt3: {C but }  {D you know, } -/  

qy          B.59 utt1:  Is that the one from Sears? /  

na          A.60 utt1:  {F Uh, } I think Sears originally --   

bk          B.61 utt1:  Okay. /  

+          A.62 utt1:  -- put it out,  /
sd          A.62 utt2: {C but } [ it's, + {F uh, } it's ] pretty well taken all over the U S now.  /
sd          A.62 utt3: {E I mean, } {F uh, } I've haven't found many places that don't take Discover.   /
sd          A.62 utt4: {C And } there's no annual service fee, which is good. /  

b          B.63 utt1:  # Okay # . /  

sd          A.64 utt1: # {D You know, } # {C and then, } {F uh, } they also give you, they say cash back, {F uh, } {D like } at the end of the year.  /
sd          A.64 utt2:  For the amount that I charge, I get two dollars back or something <laughter> -- /  

b          B.65 utt1:  Uh-huh. /  

sd          A.66 utt1:  -- {C but } if you use credit cards a lot you probably get more back. /  

qy^d          B.67 utt1:  {F Oh, } they give you money back for using your credit card. /  

ny          A.68 utt1:  Yeah,  /
sd^e          A.68 utt2: basically. /  

%          B.69 utt1:  {F Oh } -- /  

sd          A.70 utt1:  That's it. /  

sd          B.71 utt1:  -- I didn't know that. /  

sd          A.72 utt1:  {C And } I think the service charge is pretty low, too,  /
sd          A.72 utt2: {C but, }  I'm not sure. /  

sd          B.73 utt1:  {F Um. }  {D Well, } {D you know, } Sears was one of the few department stores that never would take any other credit cards. /  

b          A.74 utt1:  Uh-huh. /  

sd          B.75 utt1:  I worked [ w-, + ] at Sears for over ten years  /
sd          B.75 utt2: {C and, }  {F uh, } it was only a Sears card that they would take --   

b          A.76 utt1:  Uh-huh. /  

+          B.77 utt1:  -- until I guess they decided to join the club and come up with [ their own credit card, + another credit card ] that was --   

b          A.78 utt1:  Uh-huh. /  

+          B.79 utt1:  -- accepted,  /
sd          B.79 utt2: {C so, } {D you know, } now they'll take the Discover,  /
sd          B.79 utt3: {C but } I still don't know if Sears will take Visa or Mastercard. /  

b          A.80 utt1:  Uh-huh. /  

sd          B.81 utt1:  {C But, }  {F uh } --   

b          A.82 utt1:  # Yeah. # /  

+          B.83 utt1:  -- # I # never did apply for a Discover card.  /
sd          B.83 utt2:  I just figure with the Visa and --   

b          A.84 utt1:  Uh-huh. /  

+          B.85 utt1:  -- American Express, <breathing>  I probably have an, - /
sd          B.85 utt2: I  can do enough  damage with those two. /  

aa          A.86 utt1:  Yeah,  /
sv          A.86 utt2: I think it's best to keep the number down <laughter> --   

b          B.87 utt1:  Uh-huh. /  

+          A.88 utt1:  -- that you have. /  

b          B.89 utt1:  Yeah. /  

%          A.90 utt1:  {D So, } -/  

sd          B.91 utt1:  I've got some that [ I, + {D you know, } I ] haven't even used at all, {F uh, } past few years  /
sd          B.91 utt2: I probably wouldn't be able to use them. /  

b          A.92 utt1:  Uh-huh. /  

sd          B.93 utt1:  {C But, }  {F uh, } [ I, + I ] do like my Dillard's,  /
sd          B.93 utt2: I have to admit that's one of my favorite places to shop. /  

b          A.94 utt1:  Uh-huh. /  

sd          B.95 utt1:  {C And } I do use Dillard's probably [ as, + more than ] any of the other department stores. /  

b          @@A.96 utt1:  Uh-huh. /  

%          B.97 utt1:  {C But, } -/  

b          A.98 utt1:  Yeah.  /
qy^t          A.98 utt2:  {D Well, }   

%          B.99 utt1:  {D Well, } -/  

+          A.100 utt1:  Do you have anything else to say? /  

nn          B.101 utt1:  No,  /
sd^e^t          B.101 utt2: not too much more about credit cards <laughter>. /  

b          A.102 utt1:  Okay <laughter>.  /
sd^t          A.102 utt2:  I don't think I do either  /
%          A.102 utt3: {C so, } -/  

b          B.103 utt1:  Okay  /
%          B.103 utt2: {D well, } -/  

fc          A.104 utt1:  {D Well, } it was good talking to you. /  

fc          B.105 utt1:  Good talking to you Beth. /  

fc          A.106 utt1:  Okay. /  

fc          B.107 utt1:  Good luck. /  

fc          A.108 utt1:  Have a good evening. /  

fc          B.109 utt1:  You, too. /  

fc          A.110 utt1:  Bye-bye. /  

fc          B.111 utt1:  Bye. / 
