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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:	3439_1436_1349
TOPIC#:		304
DATE:		911201
TRANSCRIBER:	LAB
UTT_CODER:      aabo
DIFFICULTY:	1
TOPICALITY:	1
NATURALNESS:	1
ECHO_FROM_B:	3
ECHO_FROM_A:	2
STATIC_ON_A:	1
STATIC_ON_B:	1
BACKGROUND_A:	1
BACKGROUND_B:	1
REMARKS:        None.

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

qy          A.1 utt1:   Laurie? /  

ny          B.2 utt1:   Yes. /  

o          A.3 utt1:   Okay.  /
sd^t          A.3 utt2:  I'm supposed to ask you, how do you make use of your credit cards  /
sd^t          A.3 utt3: {C and } I'm supposed to compare those with [ my, + my ] habits. /  

b          B.4 utt1:   Okay.  /
b^m          B.4 utt2:  How do I make use of credit cards? /  

ny          A.5 utt1:   Yes. /  

^h          @B.6 utt1:  {F Um, } let's see.  /
sd          @B.6 utt2: I carry a lot of credit cards with me mostly because I don't ever have cash. /  

b          A.7 utt1:   Right. /  

%          B.8 utt1:   {C And } [ I don-, + I, ] - /
qy          B.8 utt2: do you work for Texas Instruments? /  

nn          A.9 utt1:   No,  /
sd^e          A.9 utt2: I do not. /  

bk          B.10 utt1:   Okay.  /
sd          B.10 utt2:  {D Well, } at T I we have to use what's called a (( tex teller ))  --   

b          A.11 utt1:   Uh-huh. /  

+          B.12 utt1:   -- if we want to get cash out  /
sd          B.12 utt2: {C and } those are only available at T I. /  

b          A.13 utt1:   {F Oh, } okay. /  

sd          B.14 utt1:   {C So } if I'm in a mall or something I can't get cash out without paying extra money  /
sd          B.14 utt2: {C so } I'm always using credit cards. /  

b          A.15 utt1:   Sure.   /
%          A.15 utt2: {D Well, } myself I always, tr-, - /
sd          A.15 utt3: [ I'm, + I'm ] a traveling person -- /  

b          B.16 utt1:   Uh-huh. /  

sd          A.17 utt1:   -- {C and } I'm out of town quite a bit  /
sd          A.17 utt2: {C so } I use credit cards quite a lot also as far as everything from service work {C and } gasoline in my car to my lounging, entertainment and for everything. /  

aa          B.18 utt1:   Uh-huh.  /
aa          B.18 utt2:  Yeah,  /
aa          B.18 utt3: me too. /  

%          A.19 utt1:   {C So } that's, {F uh, } - /
sd          A.19 utt2: as far as using them outside that [ I'm not, + I ] don't use them too much  /
sd          A.19 utt3: {C but }  ((   )) [ I, + I ] think my wife is sort of like you  /
sd          A.19 utt4: she uses a credit card,   

x          B.20 utt1:   # <Laughter>. #   

+          A.21 utt1:   # most # of the time. /  

b          B.22 utt1:   Yeah  /
x          B.22 utt2: <laughter>.   

sd          A.23 utt1:   {C So } she does most of the shopping for our household  /
sd          A.23 utt2: {C so } she'll use them more than I will. /  

b          B.24 utt1:   Uh-huh.  /
qy          B.24 utt2:  {C But } do you get to pay the bills? /  

ny          A.25 utt1:   Yes. /  

sd          B.26 utt1:   <Laughter> Same at my house <laughter>. /  

sd          A.27 utt1:   {C So } it's me [ I'm always, + I'm ] the guy <laughter> that always goes to like Dillard's  /
sd          A.27 utt2: {C and } I'll go in and charge something  /
sd          A.27 utt3: {C and } I'll have to give them my driver's license.  /
sd          A.27 utt4:  They'll have to look up the number because I'm never carrying a credit card. /  

b          B.28 utt1:   Uh-huh.  /
b          B.28 utt2:  Yeah. /  

sd          A.29 utt1:   {C But } I do carry {D like } my American Express and my Visa which I use for, {D you know, } primarily work type things. /  

b          B.30 utt1:   Uh-huh.  /
b          B.30 utt2:  Yeah. /  

sd         A.31 utt1:   This is my first call by the way,  /
%          A.31 utt2: {C so } <laughter>. -/  

sd          B.32 utt1:   {F Oh, } it's mine too. /  

bh          A.33 utt1:   {F Oh, } is it really? /  

ny          B.34 utt1:   <Laughter> Yes. /  

ba          A.35 utt1:   All right  /
sv          A.35 utt2: {C so } we're both beginners then. /  

b          B.36 utt1:   Yeah. /  

sd          A.37 utt1:   I've had this for a couple weeks  /
sd          A.37 utt2: {C and } I've been out of town  /
sd          A.37 utt3: {C so } this is my first time [ to, +   

b          B.38 utt1:   # {F Oh, } okay. # /  

+          A.39 utt1:   # to ] use it. # /  

b          B.40 utt1:   # Okay. # /  

%          A.41 utt1:   # {D So, } # -/  

qy^t          B.42 utt1:   {D Now, } did you pick this topic  /
qrr^t          B.42 utt2: {C or } were you given? -/  

nn          A.43 utt1:   No,  /
sd^e^t          A.43 utt2: I was given this topic. /  

bk          B.44 utt1:   I see.  /
b          B.44 utt2:  Okay. /  

b          A.45 utt1:   Yeah,  /
sd^t          A.45 utt2: [ they give you, + they assign you ] a topic,  /
sd^t          A.45 utt3: you call the eight hundred number, /  

b          B.46 utt1:   Right. /  

qy^t          A.47 utt1:   Have you tried it yet? /  

nn          B.48 utt1:   No <laughter>. /  

b          A.49 utt1:   Okay.  /
sd^t          A.49 utt2:  When you call the eight hundred number, they assign you a topic and, {F uh, } pretty, {F uh, } cut and dried <laughter>. /  

b          B.50 utt1:   Huh,  /
b          B.50 utt2:  okay.  /
^h          B.50 utt3: {F Um, } let's see.  /
qw^t          B.50 utt4:  {C So } how long are we supposed to talk for? /  

h          A.51 utt1:   I'm not sure.  /
sv^t          A.51 utt2:  A couple, - /
sv^t          A.51 utt3: about two [ minu-, +  three minutes ] I think. /  

bk          B.52 utt1:   Okay. /  

sd          A.53 utt1:   {C But } I really don't have too much more to say in regards to credit cards.  /
%          A.53 utt2:  I, - /
sd          A.53 utt3: one thing I've always tried to do is when I get my credit cards, I always try to pay them off because I just sort of detest paying interest. /  

ba          B.54 utt1:   {F Oh, } yes. /  

%          A.55 utt1:   # {C And, } {F uh, } # -/  

aa          B.56 utt1:   # Definitely. # /  

sd          A.57 utt1:   {D like } years ago my wife and I got married -- /  

b          B.58 utt1:   Uh-huh. /  

sd          A.59 utt1:   -- she was the one with a little bit  ((   ))  than I was because I had my credit cards, I think, up to the limit  /
sd          A.59 utt2: {C and } I was giving <laughter> everyone ten dollars a month and everything like that. /  

b          B.60 utt1:   <Laughter> Oh.  /
sv          B.60 utt2:  That will cost you a fortune. /  

sd          A.61 utt1:   That was like thirty years ago  /
sd          A.61 utt2: {C so } now it's a little different.  /
%          A.61 utt3: We, - /
sd          A.61 utt4: I get a bill  /
sd          A.61 utt5: {C and } I'll pay it the same day it comes  /
o@          A.61 utt6: [ in. + ]   

b          B.62 utt1:   Yes,  /
b^r          B.62 utt2: yes. /  

+@          A.63 utt1:   {C Or } at least I try to,  /
sd          A.63 utt2: {C and } I just kind of tell my kids how much I hate paying interest  /
sd          A.63 utt3: {C so } they should follow the same rule. /  

b          B.64 utt1:   That's right.  /
b          B.64 utt2:  {D Well, } yeah,  /
sd@          B.64 utt3: if you pay it that way it, {E I mean, } [ it really is, + it's ] like getting a free loan for a while.    

ba          A.65 utt1:   {F Oh, } you bet it's ju-, -/  

+@          B.66 utt1:   Which is what I do. /  

sd          A.67 utt1:   it's an absolute savings. /  

sd          B.68 utt1:   {C Or } if you travel for work and you get your reimbursement before the bill comes in,   

ba          A.69 utt1:   # You bet. # /  

+          B.70 utt1:   # you get to # <laughter> keep the money. /  

sd          A.71 utt1:   [ That's, + that's ] very handy. /  

aa          @@B.72 utt1:  Yeah.  /
aa          @@B.72 utt2:  It works great. /  

sd          A.73 utt1:   {D Well, } I think that's all I have. /  

b          B.74 utt1:   Okay.  /
fc          B.74 utt2: {D Well, } it was nice to meet you. /  

fc^m          A.75 utt1:   Nice to meet you  /
fc          A.75 utt2: {C and, } {F uh, } give it a try.  /
fc          A.75 utt3:  I think you'll enjoy it. /  

fc          B.76 utt1:   Okay. /  

fc          A.77 utt1:   # Okay. # /  

fc          B.78 utt1:   # Thanks. # /  

fc^m          A.79 utt1:   Thank you. /  

fc          B.80 utt1:   # Bye-bye. # /  

fc^m          A.81 utt1:   # Bye. # / 
