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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*
*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*x*
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FILENAME:	3409_1426_1057
TOPIC#:		304
DATE:		911116
TRANSCRIBER:	GL
UTT_CODER:		AEE
DIFFICULTY:	2
TOPICALITY:	1
NATURALNESS:	1
ECHO_FROM_B:	1
ECHO_FROM_A:	1
STATIC_ON_A:	1
STATIC_ON_B:	1
BACKGROUND_A:	1
BACKGROUND_B:	1
REMARKS:        None.   

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

qw          B.1 utt1:  {D So } how many, {F um, } credit cards do you have? /  

sd          A.2 utt1:  {F Um, } I think I'm down to one. /  

ba          B.3 utt1:  {F Oh, } my gosh,  /
sd          B.3 utt2: I wish I was that way.   /
qy          B.3 utt3: Is that why you said I had more experience than you? /  

nn          A.4 utt1:  {D Well, } no.  /
sd^e          A.4 utt2: I was pulling your leg. /  

bk          B.5 utt1:  Oh.  /
qw          B.5 utt2:  {D Well, } [ how, +  how ] do you use your credit card?  /
qy          B.5 utt3:   {E I mean, } do you just keep it in reserve,  /
%          B.5 utt4: {C or. } -/  

%          A.6 utt1:  [ I, + I, ]  {D well, } - /
sd         A.6 utt2: the  way I'd like to try and use it is, {F um, } [ [ you, + you, ] + you ] make your purchases [ at, + at ] prime buying time -- /  

b          B.7 utt1:  Uh-huh. /  

sd          A.8 utt1:  -- {C and then } you pay that off and don't use it until, {F uh, } it's paid off. /  

b          B.9 utt1:  Uh-huh. /  

sd          A.10 utt1:  [ That's, + that's ] my ideal way <laughter>. /  

b          B.11 utt1:  Uh-huh.  /
qw          B.11 utt2: [  How, + how ] do you use it?  <Laughter>. /  

sd          A.12 utt1:  Emergencies come along,  /
sd          A.12 utt2: [ {C and } I -- +   

b          B.13 utt1:  Yeah -- /  

+          A.14 utt1:  -- {C and } I ] use it. /  

ba          B.15 utt1:  -- that's understandable, {D exactly. } /  

sd          A.16 utt1:  {F Uh, } {D like, }  {F uh, } my car, {F uh, } had a major problem,  [ and + ] --   

b          B.17 utt1:  Uh-huh. /  

+          A.18 utt1:  -- seven hundred dollars,  /
sd          A.18 utt2: {C and } --   

b          B.19 utt1:  Right,  /
b^r          B.19 utt2: right. /  

+          A.20 utt1:  -- {F uh, } things just come up  /
sv          A.20 utt2: {C and } you just never get to use it the way you'd really like to. /  

aa          B.21 utt1:  Uh-huh,  /
aa^r          B.21 utt2: uh-huh.  /
sd          B.21 utt3:   {D Well, } actually I do have quite a few more credit cards than you have <laughter>.  /
sd          B.21 utt4:  {F Um, } {C and } I use them, {D you know, }  /
sd          B.21 utt5: {D like } my American Express  I use for, {D you know, } gas, things like that,  /
sd          B.21 utt6: {C and } I pay that off monthly,  /
sd          B.21 utt7: {C and then, } {F um, } some other credit cards, like store credit cards, {D you know, } I do have them up there a little bit,  /
%          B.21 utt8: {C but, }  {F uh. } -/  

b          A.22 utt1:  Uh-huh. /  

sd          B.23 utt1:  I try not to use them too often.  /
sd          B.23 utt2: {C But } living in this area, {F uh, } {D like } I live fifteen miles west of Washington, D C -- /  

b          A.24 utt1:  {F Um. } /  

sd          B.25 utt1:  -- it's a very expensive area <laughter>. /  

b          A.26 utt1:  Yeah. /  

sv          B.27 utt1:  {C So, }  sometimes you have no other choice if you need to buy something. /  

aa          A.28 utt1:   Yeah.  /
sd          A.28 utt2: {D Well, } [ I, + I ] know I was up in there and a lot of credit cards,  /
sd          A.28 utt3: {C and } I was just starting to get to where it was getting me in trouble -- /  

b          B.29 utt1:  Right. /  

sd          A.30 utt1:  -- {C so } we just disposed of them, paid them off, and --   

b          B.31 utt1:  Uh-huh. /  

+          A.32 utt1:  -- got out of it.  /
%          A.32 utt2: I just. -/  

b          B.33 utt1:  Uh-huh,  /
sv          B.33 utt2: {D well } that was good that you had the opportunity to do that. /  

b          A.34 utt1:  Yeah. /  

b          B.35 utt1:  Uh-huh. /  

x          A.36 utt1:   ((   )) .   

qy          B.37 utt1:  {D Now } are you married, that you both, you and your wife use a credit card,  /
%          B.37 utt2: or? -/  

ny          A.38 utt1:  Yeah,  /
ny^r          A.38 utt2: yeah. /  

b          B.39 utt1:  Uh-huh. /  

sd^e          A.40 utt1:  {D Well, } now we pretty much just pay cash for --   

b          B.41 utt1:  Uh-huh.  {F Um. } /  

+          A.42 utt1:  -- as much as we can there. /  

b          B.43 utt1:  Uh-huh. /  

sd          A.44 utt1: [ Our, + our ] only credit card is Sears,  /
sd          A.44 utt2: [ {C so } -- +   

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

+          A.46 utt1:  -- {C and } ] I have that for automotive purposes. /  

b          B.47 utt1:  Right,  /
b^r          B.47 utt2: right.  /
ba          B.47 utt3: {D Well, } well that's great.  /
sd          B.47 utt4: {F Um, }   everyone I know here uses, {F um, } credit cards like they're going out of business <laughter> --    

b          A.48 utt1:  Yeah. /  

+          B.49 utt1:  -- to be honest with you. /  

b          A.50 utt1:  Yeah,  /
sv          A.50 utt2: [ it's, + it's ] just too easy, basically, {F uh, } just get yourself in trouble with those. -/  

aa          B.51 utt1:  Yeah,  /
aa^r          B.51 utt2: yeah.  /
aa^r          B.51 utt3:  Yeah,  /
sd          B.51 utt4: the only other one  I have, - /
sd          B.51 utt5: I have {D like } a Diner's Club [ through my, {F um, } + where I ] work -- /  

b          A.52 utt1:  I see. /  

sd          B.53 utt1:  -- {C so } that I use, because I travel some.  /
sd          B.53 utt2:  {C So } I use that,  /
sd          B.53 utt3: {C and } I don't really have to worry about that, because I only use it for business,  /
sd          B.53 utt4: {C so } I automatically have the money to pay it off. /  

b          A.54 utt1:  Yeah. /  

%          B.55 utt1:  {C But. }   {F Um. } -/  

sd          A.56 utt1:  {F Uh, } I wouldn't mind, {F uh, } {D you know, } getting back into one if they would,  {D you know, } - /
sv          A.56 utt2: you start out at a low limit,  /
sv          A.56 utt3: {C and then } they just keep wanting you to increase your limit -- /  

b          B.57 utt1:  Uh-huh. /  

sd          A.58 utt1:  -- [ {C and, } +  {C and } ]  if I can get one that'll keep my limit at five hundred --    

b          B.59 utt1:  Uh-huh. /  

+          A.60 utt1:  -- {C and } I can never go over that or something --    

b          B.61 utt1:  Uh-huh. /  

+          A.62 utt1:  -- {D like } [ that, + then that's  ] fine,  /
%          A.62 utt2: {C but } they <inhaling> - /
sv          A.62 utt3: eventually get's up there to [ five thousand, + ten thousand, ] whatever  --   

b          B.63 utt1:  Uh-huh. /  

+          A.64 utt1:  -- fifty thousand <laughter> -- /  

b          B.65 utt1:  Yeah. /  

ba          A.66 utt1:  -- forget it,  /
sd          A.66 utt2: I don't want that. /  

sv         B.67 utt1:  {F Um, } <laughter> the temptation's too great. /  

b          A.68 utt1:  Yeah. /  

b          B.69 utt1:  {F Um. } /  

h          A.70 utt1:  {C So, }  I don't know,  /
%          A.70 utt2:  just, {F uh, } - /
sv          A.70 utt3: writing checks is just as easy I guess. /  

aa          B.71 utt1:  Yeah,  /
aa          B.71 utt2: that's true,  /
aa^r          B.71 utt3: that's true,  /
fc^t          B.71 utt4: [ {C but. } +   {C So, } ]  I guess, {F uh, } we've kind of exhausted this, {F uh, } topic <laughter>. /  

fc          A.72 utt1:  Yeah,  /
%          A.72 utt2: {D well, } really,  /
%          A.72 utt3: [ what, + what ] can you. -/  

fc          B.73 utt1:  Yeah,  /
fc^t          B.73 utt2: you can't say too much about it really. /  

fc          A.74 utt1:  Other than, you use them  or you don't use them.  /
fc          A.74 utt2:  You like them  /
fc          A.74 utt3:  {C or } you don't like them.  /
%          A.74 utt4: {C So.  } -/  

fc          B.75 utt1:  Uh-huh. /  

fc          A.76 utt1:  I guess, {F uh, } they don't care if we end it early.  /
fc          A.76 utt2:  {C So, }  {F uh, } hopefully, {F uh, } you have a good Thanksgiving.  /
fc          A.76 utt3:  That's coming up,  /
fc          A.76 utt4: [ {C and. } +     

fc          B.77 utt1:  Okay,  /
fc          B.77 utt2: you, too. /  

+          A.78 utt1:  {C And, then, } ] {F uh, } maybe we'll talk again. /  

fc          B.79 utt1:  Yeah,  /
fc          B.79 utt2: may be,  /
sv          B.79 utt3: you're the furthest person, actually, that I've talked.  /
fc          B.79 utt4:  I've talked to a lot of people in Texas. /  

fc         A.80 utt1:  Yeah. /  

fc^m          B.81 utt1:  Yeah. /  

fc          A.82 utt1:  Texas is the big one. /  

fc          B.83 utt1:  Yeah,  /
%          B.83 utt2: {C so. } -/  

fc          A.84 utt1:  <Laughter>  Okay,  then.  /
fc          A.84 utt2: {D Well, } # bye now. # /  

fc          B.85 utt1: [  # O-, # + okay, ]  /
fc          B.85 utt2: bye-bye. / 
