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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:	3275_1389_1108
TOPIC#:		304
DATE:		911019
TRANSCRIBER:	LAB
UTT_CODER:		AEE
DIFFICULTY:	1
TOPICALITY:	1
NATURALNESS:	1
ECHO_FROM_B:	1
ECHO_FROM_A:	2
STATIC_ON_A:	1
STATIC_ON_B:	1
BACKGROUND_A:	1
BACKGROUND_B:	2
REMARKS:        Speaker B does a lot of sniffing.

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

qy          B.1 utt1:   {D So } do you have an opinion on credit cards? /  

na          @A.2 utt1:   {F Um, } I do <laughter>. /  

bh          B.3 utt1:   You do? /  

qo          A.4 utt1:   [ What, +  what ] do you think about them? /  

sv          B.5 utt1:   I think they get a lot of people in trouble. /  

aa          A.6 utt1:   Yeah,  /
aa          A.6 utt2: definitely.  /
sd          A.6 utt3: I have one right now  /
sd          A.6 utt4: {C and, }  {F um, } I just got it about [ eight, +  six ] months ago -- /  

b          B.7 utt1:   Uh-huh. /  

sv          A.8 utt1:   -- {C and } I find that it makes it a lot easier to get things that you generally wouldn't get <laughter>. /  

aa          B.9 utt1:   Yeah,  /
sv          B.9 utt2: {C and then } you don't stop to realize that, {D you know, }  /
sv          B.9 utt3: you  charge this for twenty, charge that for twenty, charge this for twenty,  /
sv          B.9 utt4:  {C and } pretty soon you owe a hundred dollars  /
sv          B.9 utt5: {C and } you don't stop to think about it. /  

b          A.10 utt1:   Yeah. /  

sd          B.11 utt1:   I got in trouble when I was in the service quite a few years ago {D like } ten to fifteen thousand dollars in trouble. /  

ba          A.12 utt1:   {F Oh, } my goodness. /  

sd          B.13 utt1:  [ {C And then, } + {D you know, } {C so } ]  I eventually got it all paid.  /
sd          B.13 utt2:  Now I carry one.  /
sd          B.13 utt3:  I have a gas card  and a Visa card.   /
sd          B.13 utt4: {C And } I never use them unless I need to <sniffing>. /  

bh          A.14 utt1:   Really? /  

%          B.15 utt1:  [ {C So } -- +   

ba          A.16 utt1:   That's good. /  

+          B.17 utt1:   -- {C but } ] they, -/  

%          A.18 utt1:   D-, - /
b          A.18 utt2: yeah,  /
sd          A.18 utt3: [ I, + I ] made a rule with myself when I got one that if I couldn't pay it in full every month that I'd have to rip it up,  /
%          A.18 utt4: {C so. } -/  

b          B.19 utt1:   Yeah. /  

x          A.20 utt1:   <Laughter>.   

ba@          B.21 utt1:   That's a good idea.    

%          A.22 utt1:   That's, -/  

+@          B.23 utt1:   Stops all them interest rates,  /
sv          B.23 utt2: {C and } interest rates aren't none too shallow these days anyway. /  

aa          A.24 utt1:   Yeah,  /
%          A.24 utt2: {C but, } -/  

sd          B.25 utt1:   {C But } I know a lot of people that get in trouble with them especially, {D you know  } - /
%          B.25 utt2:   we have, - /
sd          B.25 utt3: I'm in Lubbock  /
sd          B.25 utt4:  {C and } we have a bunch of college kids around here going to Tech,  /
sd          B.25 utt5: {C and } they seem to get in trouble with them a lot. /  

b          A.26 utt1:   Uh-huh.  /
sd          A.26 utt2:  [ I have, +  I have ] a couple friends too that have about three of them maxed out <laughter>.  /
sd          A.26 utt3: {C And } [ they -- +    

b          B.27 utt1:   Yeah. /  

+          A.28 utt1:   --  they ] can't do anything  but work to try to pay them off.  /
sd          A.28 utt2:  [ [ {C And, } +  {C and, } ] + {C and } ] {D like } one of my friends [ she has, + ]   hers is up to nine hundred dollars  /
sd          A.28 utt3: {C and } [ she do-, + she only earns ] like two hundred dollars a month because she's going to school. /  

ba          B.29 utt1:   Gee. /  

sd          A.30 utt1:  [ {C And, } + {C and so } ] {E I mean } that's just enough to pay rent and buy like  <laughter> thirty-five dollars worth of food a month.   {D So }  [ and, + and ] pay for her [ {D like, } + {D like } ] monthly fee {D like } twen-, - /
sd          A.30 utt2:  [ yo-, +    I guess you  ] have to pay {D like } twenty dollars each month is the -- -/  

aa          B.31 utt1:   Yes,  /
aa          B.31 utt2: something like that. /  

sd          A.32 utt1:   -- {C so } all she's paying is interest on hers every month. /  

b          B.33 utt1:   <<Very faint>> Yeah. /  

sv          A.34 utt1:   It just seems crazy [ to, +  to ] me  /
%          A.34 utt2: {C but, } -/  

sd          B.35 utt1:   {D Well, } my wife got in trouble one time with hers.  /
sd          B.35 utt2:  She was making {D like, }  {A I don't know what she was making, }  forty-five dollars a month I think.  /
sd          B.35 utt3:  {C And } fifteen dollars of it was because she was over the limit  /
sd          B.35 utt4: {C and } fifteen dollars of it was interest  /
sd          B.35 utt5: {C so } she was only paying in it fifteen dollars a month. /  

b          A.36 utt1:   Yeah. /  

sd          B.37 utt1:   <Sniffing> {C So } {C and } that was before we got married,  /
%          B.37 utt2:   {C so. } -/  

x          A.38 utt1:   <Laughter>.   

%          B.39 utt1:   {C But }  it's, - /
sd          B.39 utt2: {D you know, } we  sat down and talked about it   and  discussed it  /
sd          B.39 utt3: {C and } [ it's, +  it's ] come out pretty good.  /
sd          B.39 utt4:  Now we have a eighteen year old that's fixing to get out of high school and go to college. /  

bh          A.40 utt1:   {F Oh, } really? /  

sd          B.41 utt1:   That's the first thing he wanted. /  

qy          A.42 utt1:   Was a Visa card? /  

ny          B.43 utt1:   Yeah. /  

ba          A.44 utt1:   <Gasp> {F Oh, } my goodness. /  

sd^e          B.45 utt1:   {C So } we kind of discussed that a little bit and shot that idea down right quick. /  

ba          A.46 utt1:   <Laughter> I bet. /  

%          B.47 utt1:   <<Very faint>> {D You know, }  {C so. } -/  

b          A.48 utt1:   Yeah,  /
h          A.48 utt2: [ I, +  I ] don't know.  /
sd          A.48 utt3:  I'm about sick of mine right now.  /
%          A.48 utt4:  I don't, -/  

sv          B.49 utt1:   {C But } I think they're too readily accessible -- /  

b          A.50 utt1:   Uh-huh. /  

sv          B.51 utt1:   -- {C and } there's too many companies out there that are willing to give them to you and [ get you dra-, + get you trapped. ]  /
sv          B.51 utt2:    {E I mean } you can always file bankruptcy to get out of it,  /
sv          B.51 utt3: {C but } that's a lot of pain and hassle.  /
sd          B.51 utt4: [ When, {D you know } + in the olden days when ] my parents were growing up  and we couldn't afford everything,  we didn't have such things as credit cards.  /
sd          B.51 utt5: We just waited until time come around that we could afford it. /  

b          A.52 utt1:   Right. /  

sd          B.53 utt1:   {C And } {D you know, } we had all the necessities,  /
sd          B.53 utt2:  {C so } <sniffing>.  {C And } I very seldom use a credit card on necessities.  /
sd          B.53 utt3:  I always use it for something I want not something I need. /  

aa          A.54 utt1: Exactly. /  

%          B.55 utt1:   {D So, } -/  

aa          A.56 utt1:   Yeah,  /
sd          A.56 utt2: my parents are really good about not using credit cards.  /
sd          A.56 utt3: They are against it <laughter>. /  

b          B.57 utt1:   <<Very faint>> Yeah. /  

sd          A.58 utt1:   I don't think they like the fact that I have one either. /  

sv          B.59 utt1:   I think if [ card + cards  ] were [ as, +  as ] stringent as say [ a, + a ] home mortgage loan or something like that  where you have to, {D you know, } be able to prove that you can afford this  and the rest of your bills,  we probably wouldn't have the problems we have. /  

b          A.60 utt1:   <<Very faint>> Uh-huh. /  

sv          B.61 utt1:   <Sniffing> Of course, we wouldn't have the retail market we have either  /
sv          B.61 utt2: {C so } I guess they trade one for the other. /  

b          A.62 utt1:   Yeah. /  

sd          B.63 utt1:   I disagree with it,  /
sv          B.63 utt2: {C but } they still trade one for the other. /  

b          A.64 utt1:   <Laughter> {F Huh. } /  

ba          B.65 utt1:   {D Well, } that's good.  /
%          B.65 utt2:  I'm, - /
sv          B.65 utt3: it sounds like you kind of got your head together in the credit department for, - /
sv         B.65 utt4: you sound pretty young,  /
%          B.65 utt5:  {C so } <sniffing>. -/  

aa          A.66 utt1:   Yeah,  /
sd          A.66 utt2: [ I'm nine-, + I'm twenty ] right now. /  

bh          B.67 utt1:   Are you?  /
%          B.67 utt2:  Yeah <sniffing>. /  

sd          A.68 utt1:   {C So, }  just going to school [ and, +  <breathing> <groan> and ] working  /
%         A.68 utt2: {C so } -- -/  

b          B.69 utt1:   <Sniffing> All right. /  

%          A.70 utt1:   -- it does kind of get in the, - /
%          A.70 utt2: when you want something that, - /
sd          A.70 utt3:  {D like } last weekend was homecoming  /
sd          A.70 utt4: {C and } I needed --   

b          B.71 utt1:   Oh. /  

+          A.72 utt1:   -- a pair of shoes  /
sd          A.72 utt2: {C so } I just went out and bought them  [ and + ]  <laughter> --     

b          B.73 utt1:   Yeah. /  

+          A.74 utt1:   -- on my credit card.  /
sd          A.74 utt2: I didn't really have the money to do it  /
%          A.74 utt3: {C but, } -/  

b          @@B.75 utt1:  <Sniffing> Yeah,  /
sv          @@B.75 utt2: it's pretty easy <sniffing>. /  

aa          A.76 utt1:   Yeah <<very faint>>.  /
aa          A.76 utt2: It sure is.  /
qy          A.76 utt3: {C So } do you just have two kids  /
%          A.76 utt4: {C or, } -/  

sd          B.77 utt1:   {F Uh, } we have a eighteen year old, seventeen year old, and a seven year old. /  

bh          A.78 utt1:   {F Oh, } really? /  

ny          B.79 utt1:   <<Very faint>> Yeah. /  

ba          A.80 utt1:   Neat.  /
sd          A.80 utt2:  I'm from Plano, Texas. /  

bh          B.81 utt1:   {F Oh, } are you? /  

sd          A.82 utt1:   {C But } right now I'm out in Provo, Utah going to B Y U  /
%          A.82 utt2: {C so } <lipsmack>. -/  

qy          B.83 utt1:   <<Very faint>> [ Are you a, + you're a ] Mormon then? /  

ny          A.84 utt1:   Yep <laughter>. /  

bk          B.85 utt1:   <<Very faint>> {F Oh, } <sniffing> all right <sniffing>. /  

sv^t          A.86 utt1:   {C But, }  this is a extra long one. /  

qw          B.87 utt1:   What's that? /  

sv^t          A.88 utt1:   They're giving us a lot of time <laughter>. /  

b          B.89 utt1:   {F Oh, } yeah. /  

x          A.90 utt1:   <Laughter>.   

sv^t          B.91 utt1:   [ They may not, + they must not ] have too much traffic on Saturdays <sniffing>. /  

aa          A.92 utt1:   Yeah.  /
qy^t          A.92 utt2:  Have you done a lot of this? /  

na^t          B.93 utt1:   {F Uh, } fifteen or twenty I guess. /  

bh          A.94 utt1:   {F Oh, } really? /  

ny          B.95 utt1:   {F Oh, } yeah. /  

qy^t          A.96 utt1:   Do you do it every day? /  

na^t          B.97 utt1:   I try to every day.  /
sd^t          B.97 utt2:  [ I,  + {F uh, } I ] get calls at work,  /
sd^t          B.97 utt3:  I get calls at home,  /
%          B.97 utt4: {C so. } -/  

%          A.98 utt1:   Wha-, -/ 
