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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:	3332_1043_1425
TOPIC#:		304
DATE:		911030
TRANSCRIBER:	GL
UTT_CODER:	stm
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:	1
REMARKS:        Young child squealing and making noises behind Speaker B

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

ad          A.1 utt1:  Doug, you want to start?  <Laughter>. /  

aa          B.2 utt1:  Sure. /  

qy^d          A.3 utt1:  You don't use any credit cards, I don't imagine. /  

nn          B.4 utt1:  No.  /
sd          B.4 utt2:  Of course I use,   

x          A.5 utt1:  <Laughter>.   

+          B.6 utt1:  credit cards.  /
sd          B.6 utt2:  I have a couple of credit cards --   

b          A.7 utt1:  Yeah. /  

+          B.8 utt1:  -- and, {F uh, } use them. /  

b          A.9 utt1:  Uh-huh,  /
qy          A.9 utt2: do you use them a lot? /  

ng          B.10 utt1:  {F Oh, } we try not to. /  

b          A.11 utt1:  Uh-huh. /  

sd          B.12 utt1:  We're on a pretty strict and tight budget. /  

b          A.13 utt1:  Uh-huh. /  

sd          B.14 utt1:  We use the credit cards, however, when we're at a situation where we don't have either the cash or the checkbook handy. /  

b          A.15 utt1:  Uh-huh. /  

sd          B.16 utt1:  {C Or } we use credit cards also, if we want to get an extended warranty on an item that we're purchasing.  /
%          B.16 utt2:  [ {D So. } +    

ba          A.17 utt1:  {F Oh, } {D well, } that's an idea,  /
ba          A.17 utt2: that's a thought,  /
b          A.17 utt3: uh-huh. /  

+          B.18 utt1:  {D So, } ] yes,  /
sd          B.18 utt2: {C and } basically we use it mainly when we're traveling --   

b         A.19 utt1:  Uh-huh. /  

+          B.20 utt1:  -- or out of state [ or -- +   

b          A.21 utt1:  Uh-huh. /  

+          B.22 utt1:  -- or ] somewhere where, {D you know, } [ they don't take local, + they don't take out of state ] checks -- /  

b          A.23 utt1:  Uh-huh. /  

sd          B.24 utt1:  -- {C and so } when we're traveling some. - /
qy          B.24 utt2: Do you use credit cards often? /  

no          A.25 utt1:  My husband loves them <laughter>. /  

x          B.26 utt1:  <Laughter>.   

sd          A.27 utt1:  {F Uh, } we do use them.  /
sd          A.27 utt2:  {F Uh, } we try not to,  /
sd          A.27 utt3: {C but, } [ he, + he's ] one who believes in credit cards,  /
sd          A.27 utt4: {C and } he uses them quite a bit. /  

b          B.28 utt1:  Uh-huh. /  

sd          A.29 utt1:  He likes using them and then just pay at the end of the month <laughter>. /  

b          B.30 utt1:  {F Oh, } yeah,  /
sv          B.30 utt2: well --   

sd          A.31 utt1:  [ He, + he ] likes that, /  

+          B.32 utt1:  -- [ that's, + that's ] a good thing, because lot of people don't pay at the end of the month -- /  

b          A.33 utt1:  Uh-huh. /  

sd          B.34 utt1:  -- {C and } they just pay the minimum required balance. /  

sv          A.35 utt1:  {C And } that's when you get into expenses. /  

aa          B.36 utt1:  Yes,  /
sv          B.36 utt2: {C and } you get in over your head. /  

aa          A.37 utt1:  Right. /  

%          B.38 utt1:  It'll, {F uh, } - /
sd          B.38 utt2: some people I know also try to use it as float --   

b          A.39 utt1:  Uh-huh. /  

+           B.40 utt1:  -- where they buy something now  /
sd(^q)          B.40 utt2: {C and } say, {D well, } I'm going to buy this when it's good and on sale  /
^q          B.40 utt3: {C and then } I can --   

b          A.41 utt1:  Uh-huh. /  

+          B.42 utt1:  -- go ahead and pay for it when I get my check at the end of the month  /
^q          B.42 utt2: when I'm being paid. /  

b          A.43 utt1:  Right.  /
sd          A.43 utt2:  {D Well, } sometimes you do come on bargains and that,  /
sv          A.43 utt3: {C and } it's really useful. /  

aa          B.44 utt1:  That's true. /  

sd          A.45 utt1:  {C And } some places won't take, {D you know, } {D like } personal checks or cash, even -- /  

b          B.46 utt1:  Uh-huh. /  

sd          A.47 utt1:  -- {C but } they would take a credit card. /  

aa          B.48 utt1:  Right.  /
qo          B.48 utt2:  [ How a-, + how are ] the laws in Pennsylvania, {F uh, } [ as, + as ] regard, {D well } not the laws, but the [ rates, + credit card rates ] in Pennsylvania?  /
sd          B.48 utt3: For example down here, when you go up to a gas station --   

b          A.49 utt1:  Uh-huh. /  

+          B.50 utt1:  -- you get an extra charge for credit cards --   

b          A.51 utt1:  Right. /  

+          B.52 utt1:  -- than you would by paying for cash.  /
qy          B.52 utt2: Are they the same there? /  

%          A.53 utt1:  We, - /
ny          A.53 utt2: yeah,  /
sd^e          A.53 utt3: we have the same thing up here,  /
sd          A.53 utt4: {C so } we don't deal where they do that <laughter>. /  

x          B.54 utt1:  <Laughter>.   

sd          A.55 utt1:  [ We cha-, + {D you know, } we go ] to places where they don't charge extra.  /
sd          A.55 utt2:  Some of them charge five cents a gallon, even,  /
sd          A.55 utt3: {D like } the gas stations more, -/  

ba          B.56 utt1:  That's pretty steep. /  

sd          A.57 utt1:  {C And, } {F uh, } we just try to avoid, {D you know, } the ones that do that,  /
sd          A.57 utt2: we just don't, {F uh, } go there --   

b          B.58 utt1:  Yes. /  

+          A.59 utt1:  -- because there's enough other ones around that don't charge you anything  /
sd          A.59 utt2: extra --   

b          B.60 utt1:  Uh-huh,  /
b^r          B.60 utt2: uh-huh. /  

+          A.61 utt1:  -- {C because } {D actually, } to me, credit cards are the same as cash,  /
sd          A.61 utt2: to me they are, anyway, /  

aa          B.62 utt1:  Yes,  /
sd          B.62 utt2: because you make the deduction at the time of the purchase  /
qy          B.62 utt3: [ {C and, } + {C and } ] so  that --   

aa          A.63 utt1:  Right. /  

+          B.64 utt1:  -- the end of the month or when you get your credit card bill --   

aa          A.65 utt1:  Right,  /
aa          A.65 utt2: yeah. /  

+          B.66 utt1:  -- are you saying that that way you're not left stranded --   

aa          A.67 utt1:  Yes. /  

+          B.68 utt1:  -- and high and dry <laughter>. /  

ny          A.69 utt1:  Yeah,  /
na          A.69 utt2: right. /  

ba          B.70 utt1:  Very good.  /
sd          B.70 utt2: [ You're, + you're ] one of the [ good, + I guess, good ] faithful shoppers that don't get into a problem when it comes to budgeting their money. /  

sd          A.71 utt1:  {D Well, } I can't say we never have.  /
sd          A.71 utt2:  Now we have, {D you know, } at times, made payments --   

b          B.72 utt1:  Uh-huh. /  

+          A.73 utt1:  -- <Laughter> on our things,  /
sd          A.73 utt2: {C but } we try not to.  /
sd          A.73 utt3:  We try hard, /  

b          B.74 utt1:  {D Well, } yeah,  /
sv          B.74 utt2: {D well, } <throat_clearing> I see that as an advantage to a credit card, also -- /  

b          A.75 utt1:  Uh-huh. /  

sv          B.76 utt1:  -- that you [ can -- +   

b          A.77 utt1:  Uh-huh. /  

+          B.78 utt1:  -- can ] find yourselves in those situations and use a credit card [ to -- +   

b          A.79 utt1:  Right. /  

+          B.80 utt1:  -- to ] help yourself. /  

b          A.81 utt1:  Right. /  

sv          B.82 utt1:  {C So } I think that there's a great advantage to a credit card in those situations. /  

b          A.83 utt1:  Uh-huh.  /
b          A.83 utt2:  Yeah,  /
sv          A.83 utt3: because sometimes, {F uh, } there's times when you [ may, + maybe ] couldn't take advantage of something -- /  

b          B.84 utt1:  Uh-huh. /  

sv          A.85 utt1:  -- {C but } with a credit card you can.  /
%          A.85 utt2: {D So. } -/  

b          B.86 utt1:  Uh-huh,  /
b^r          B.86 utt2: uh-huh.  /
qy          B.86 utt3:  {F Um, } do you have, {F uh, } multiple credit cards? /  

%          A.87 utt1:  {F Uh. } /  

qy          B.88 utt1:  {C And } do you find that advantageous  /
qr          B.88 utt2: {C or, } -/  

sd          A.89 utt1:  {D Well, } I think we're narrowing it down, {D actually. }  /
sd          A.89 utt2:  {F Uh, } {F uh, } like I said, my husband likes them,  /
sd          A.89 utt3: {C and } we have quite a few,  /
sd         A.89 utt4: {C but } [ we really get, + when you get ] down to the nitty gritty, there's probably three that we use --   

b          B.90 utt1:  Uh-huh. /  

+          A.91 utt1:  -- most of the time. /  

b          B.92 utt1:  Right.  /
sd          B.92 utt2:  [ We're, + we're ] actually in the same boat. /  

b          A.93 utt1:  Uh-huh. /  

sd          B.94 utt1:  We like to use three, {F uh, } basic credit cards. /  

b          A.95 utt1:  Uh-huh. /  

sd          B.96 utt1:  That way we're not confused  /
sd          B.96 utt2: {C and } we don't have an awful lot of expenses or  surprises when it comes --   

b          A.97 utt1:  Uh-huh,  /
b^r          A.97 utt2: uh-huh. /  

+          B.98 utt1:  -- the end of the month.   /
qy          B.98 utt2: {C And, } do you find that you get an awful lot of credit card applications through the mail? /  

ny          A.99 utt1:  {F Oh, } yes. /  

sd          B.100 utt1:  Once a week,  /
sd          B.100 utt2: twice a <laughter> week,  /
sd          B.100 utt3: {C or } three times a week. /  

sd          A.101 utt1:  {D Well, } it's not every week,  /
sd          A.101 utt2: {C but } [ you, + you ] do get them.  /
sd          A.101 utt3:  They make it very readily available. /  

b          B.102 utt1:  Yeah. /  

sv          A.103 utt1:  Almost too much so.  /
sd          A.103 utt2: {C But } [ I re-, + I really ] don't like it the charges that,   {D you know, } - /
sd          A.103 utt3: we try to [ limit, + look ] at that also,  /
sd          A.103 utt4: what they charge per year --   

b         B.104 utt1:  Right,  /
bf          B.104 utt2: {D so } the annual fee. -/  

+          A.105 utt1:  -- to use our money, {D you know } -- /  

b          B.106 utt1:  Right,  /
b^r          B.106 utt2: right, /  

sd          A.107 utt1:  -- they're charging us to spend our money,  /
sd          A.107 utt2: {C and, } [ I, + I'm ] not real crazy about that,  /
sd          A.107 utt3: {C so } we try to look at that also. /  

b          B.108 utt1:  Yes,  /
sd          B.108 utt2: {D so } there is the basic annual fee for the credit card --   

b          A.109 utt1:  Uh-huh, /  

+          B.110 utt1:  -- plus they charge any where from seventeen to twenty-three percent --   

b          A.111 utt1:  Right. /  

+          B.112 utt1:  -- {F uh, } based upon what the state will allow, / 
