*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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*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:	3751_1074_1378
TOPIC#:		304
DATE:		920114
TRANSCRIBER:	SS
UTT_CODER:      MMAB
DIFFICULTY:	2
TOPICALITY:	4
NATURALNESS:	2
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          A.1 utt1:  Where are you, Bob? /  

sd          B.2 utt1:  I am in Plano.  /
qw^m          B.2 utt2:  Where are you? /  

bk          A.3 utt1:  {F Oh, } okay.  /
sd          A.3 utt2:  I am in Waco. /  

bh          B.4 utt1:  Is that right? /  

ny          A.5 utt1:  Yeah. /  

bk          B.6 utt1:  {F Oh, } okay. /  

sd          A.7 utt1:  Right down the street. /  

x          B.8 utt1:  <Laughter>.   

sd          A.9 utt1:  {F Oh, } credit cards.  /
sd          A.9 utt2:  My favorite subject <laughter>. /  

qy          @B.10 utt1:  You mean you use credit cards? /  

na          A.11 utt1:  {F Oh, } do I. /  

qy^d          B.12 utt1:  I bet you used them all up over Christmas. /  

ny          A.13 utt1:  Yeah,  /
sd^e          A.13 utt2: mostly over Christmas.  /
sd          A.13 utt3:  {F Uh, } I get in a rut with credit cards cause they get me kind of in a vicious cycle.  Where you use them a lot one month and then you have to use whatever money you have to pay those off -- /  

sv          B.14 utt1:  {C And } then your are in # debt. # /  

sv          A.15 utt1:  -- # {C and so } # then you have no money, /  

x          B.16 utt1:  <Laughter>.   

sv          A.17 utt1:  <Laughter> {C so } you use a credit card. /  

ba          B.18 utt1:  I understand that. /  

b          A.19 utt1:  Yeah.  /
sd          A.19 utt2:  {F Uh, } I probably have one of every credit card there is. /  

x          B.20 utt1:  <Laughter>.   

qy          A.21 utt1:  Do you use them a lot? /  

nd          B.22 utt1:  {D Well, } {F uh, } it kind of comes and goes, {F uh, }  /
sd          B.22 utt2: I use {F uh, } Citibank, the, {F uh, } Advantage one --   

b          A.23 utt1:  Uh-huh. /  

+          B.24 utt1:  -- pretty much cause you get vantage points for every dollar you spend.  /
sd          B.24 utt2: Once a year, I get a free airplane ride that way. /  

bk          A.25 utt1:  Oh. /  

sd          B.26 utt1:  {C So, } as long as you pay it off every month, it doesn't cost you anything. /  

b          A.27 utt1:  Yeah.  /
b^r          A.27 utt2: Yeah.  /
ba         A.27 utt3:  {D Well, } that is a good idea.  /
qy          A.27 utt4:  # Is [ that + # --   

%          B.28 utt1:  # That is what I, # -/  

+          A.29 utt1:  -- that ] through a VISA? /  

ny          B.30 utt1:  Yeah. /  

b          A.31 utt1:  Uh-huh. /  

ny^r          B.32 utt1:  Yeah. /  

b          A.33 utt1:  {F Huh. } /  

sd          B.34 utt1:  {C But, } {F uh, } I got all sorts of credit cards for my business that I use  /
sd          B.34 utt2: {C but, } {F uh, }   

b          A.35 utt1:  Uh-huh. /  

+          B.36 utt1:  If I can get away with paying them off every month, it is alright.  /
sd          B.36 utt2: If I don't then it gets expensive <laughter>. /  

aa          A.37 utt1:  Yeah.  /
sd          A.37 utt2:  That is my problem.  /
sd          A.37 utt3: I don't try and pay them off.  /
sd          A.37 utt4:  I pay, {D like } the minimum. /  

ad          B.38 utt1:  {D Well } you shouldn't do that. /  

aa          A.39 utt1:  I know <laughter>.  /
sd          A.39 utt2:  # {C So } I have got myself, # -/  

sv          B.40 utt1:  # [ You never, + you never ] # get out of the hole that way. /  

aa          A.41 utt1:  Exactly.  /
sd          A.41 utt2: [ I have got, + that is why I have got ] myself with all this trouble now.  /
sd          A.41 utt3: {C But, } I pay most of them on time and everything.  /
%          A.41 utt4: It is just the, - /
sd          A.41 utt5: I always have them.  /
sd          A.41 utt6: {C So, } it is kind of strange. /  

qy^g          B.42 utt1:  Kind of like the federal government right? /  

ny          A.43 utt1:  {F Oh, } yeah.  /
sd^e          A.43 utt2:  Exactly like the government <laughter>. /  

x          B.44 utt1:  <Laughter>.   

sv          A.45 utt1:  # [ In, + #   

sv          B.46 utt1:  # Can't # never get out of debt. /  

+          A.47 utt1:  In ] debt. /  

qy^g          B.48 utt1:  {C And } every time you try to get out of debt, the economy goes to pot because people are spending money, right. /  

ny          A.49 utt1:  Yeah. /  

x          B.50 utt1:  <Laughter>.   

qy          A.51 utt1:  Have they put the cap on the interest rates? /  

nn          B.52 utt1:  No. /  

sd          A.53 utt1:  I didn't know if they actually did that or not.  /
sd          A.53 utt2: I know they were considering it. /  

sd          B.54 utt1:  Just the people who don't need credit get the four and a half percent.  /
sd          B.54 utt2:  The rest of the, {F uh, } and me, we have got to pay fourteen and eighteen percent. /  

b          A.55 utt1:  Uh-huh.  /
b          A.55 utt2:  Yeah. /  

x          B.56 utt1:  <Laughter>.   

qy^g          A.57 utt1:  Funny how that works, isn't it <laughter>? /  

sv          B.58 utt1:  [ The, + thou ] who doesn't need credit, gets cheap credit. /  

sd          A.59 utt1:  I would be interested to find out [ how many people, + {E or } how much, {F uh, } people ] use credit this year.  Say in nineteen ninety-two as opposed to nineteen ninety-one, even nineteen ninety.  /
sv          A.59 utt2:  [ I think, + I think ] it would be amazing [ how much, + how many ] more people use it. /  

aa          B.60 utt1:  {D Well, } I think so  /
%          B.60 utt2: {C because } the, -/  

sv          A.61 utt1:  Because of the economy. /  

aa          B.62 utt1:  That's right. /  

b          A.63 utt1:  Yeah. /  

sv          B.64 utt1:  You have got to use everything you have got just to stay where you are at. /  

aa          A.65 utt1:  Exactly.  /
sd          A.65 utt2:  [ I would be very, + I would like to see ] some numbers on that.  /
sv          A.65 utt3:  I think that would be interesting. /  

qy          B.66 utt1:  [ Do you, + do you ] have any, {F uh, } credit union where you work or anything like  that? /  

ny          A.67 utt1:  Yeah,  /
sd^e          A.67 utt2: I have a credit union. /  

qy          B.68 utt1:  Do they have a Mastercard or VISA card? /  

ny          A.69 utt1:  Yeah,  /
sd^e          A.69 utt2: they do.  /
ny          A.69 utt3:  Uh-huh. /  

qy^d          B.70 utt1:  You have got that one. /  

ny          A.71 utt1:  Yes,  /
sd^e          A.71 utt2: I do <laughter>. /  

x          B.72 utt1:  <Laughter>.   

ny          A.73 utt1:  <Laughter> Yes,  /
sd^e          A.73 utt2: I do a matter of fact. /  

qw          @@B.74 utt1:  [ Who, + who ] do you work for? /  

sd          A.75 utt1:  {F Uh, } I work for Channel six. /  

bk          B.76 utt1:  # Oh. # /  

sd          A.77 utt1:  # [ It's + # it's ] an N B C affiliate down here. /  

sd          B.78 utt1:  I do a lot of work down in Waco,  /
sd          B.78 utt2: [ [ a --   

b          A.79 utt1:  {F Oh } really. /  

+          B.80 utt1:  -- lot of, + I call on ] + a lot of ] my business is down there. /  

b          A.81 utt1:  {F Oh, } okay.  /
qw          A.81 utt2:  Where do you work?  /
qw          A.81 utt3: What is your, -/  

sd          B.82 utt1:  I sell metal fabricating equipment and tooling. /  

bk          A.83 utt1:  {F Oh, } okay. /  

sd          B.84 utt1:  Tyme and Mercury and Tempco and all those people --   

bk          A.85 utt1:  {F Oh, } okay <<faint>>. /  

+          B.86 utt1:  -- down there.  /
%          B.86 utt2: {F Uh } Gene He-, -/  

qy^d          A.87 utt1:  {C So } you probably work with, {F uh, } {F uh, } - /
t1          A.87 utt2: what is the boy from here?  <<Very faint>>.  /
qy          A.87 utt3: You ever work with Davis? /  

qy^h          B.88 utt1:  Davis Iron? /  

na          A.89 utt1:  # Davis Iron Work,  /
ny          A.89 utt2: yeah. # /  

ny^m          B.90 utt1:  # Yeah,  /
sd^e          B.90 utt2: matter of fact # I just saw them last week. /  

bk          A.91 utt1:  {F Oh, } okay.  /
^h          A.91 utt2:  And, {F uh, } what else. /  

qy          B.92 utt1:  [ Are you in that part, + are you in the south part ] of town now? /  

nd          A.93 utt1:  {D Well, } I live actually in Hewett. /  

bk          B.94 utt1:  {F Oh, } yeah.  /
bk          B.94 utt2:  # Okay. # /  

b          A.95 utt1:  # Yeah,  /
sd          A.95 utt2: # right outside. /  

qy          B.96 utt1:  [ You know -- +   

bf          A.97 utt1:  {C So, } that is where Davis Iron Works is. /  

+          B.98 utt1:  -- Do you know ] Parker Machine Tool down there. /  

^h          A.99 utt1:  {F Uh. } /  

qy^d          B.100 utt1:  Bobby Parker and, {F uh, } -/  

ng          A.101 utt1:  I don't think I have seen that one.  /
sd          A.101 utt2: I am sure I pass by it or something,  /
h          A.101 utt3: {C but } I am not sure. /  

sd          B.102 utt1:  There is a place in Hewett, called, - /
sd          B.102 utt2: it is a new company called Prime Air.  /
sd          B.102 utt3:   That is in Hewett.  Just around the corner from Davis Iron Works. /  

b          A.103 utt1:  {F Huh. }  Prime Air. /  

sd          B.104 utt1:  They make, {F uh, } humidifiers and --   

b          A.105 utt1:  {F Oh, } okay. /  

+          B.106 utt1:  -- {F uh, } filters for air filtration stuff for --   

b          A.107 utt1:  Okay. /  

+          B.108 utt1:  -- hospitals, homes, something like that. /  

qy          A.109 utt1:  Have you ever been to Marlin? /  

ny          B.110 utt1:  {F Uh, } yeah. /  

sd          A.111 utt1:  I think it is Marlin or Mart.  /
sd          A.111 utt2:  They have, {F uh, } {F uh, } a place, I guess that would be similar to Prime Air.  /
sd          A.111 utt3:  It is called H G H --   

b          B.112 utt1:  {F Oh, } really. /  

+          A.113 utt1:  -- or something like K G H or, -/  

b          B.114 utt1:  {F Huh. } /  

sd          A.115 utt1:  I can't think of it.  /
sd          A.115 utt2:  I can't think of the name. /  

b          B.116 utt1:  {F Huh. } /  

%          A.117 utt1:  {C But, } -/  

sd          B.118 utt1:  I will have to stop in there.  /
sd          B.118 utt2:  [ I went, + I have gone ] through there, {F uh, }  /
sd          B.118 utt3: my oldest son goes to A and M. /  

b          A.119 utt1:  {F Oh } yeah. /  

sd          B.120 utt1:  He is working on his Master's.  /
sd          B.120 utt2:  The Navy sent him there for his Master's. Mostly in engineering.  /
sd          B.120 utt3: {C So, } once and a while we go up six there rather than  take forty-five. /  

b          A.121 utt1:  Yeah. /  

sd          B.122 utt1:  That is about the last time I have been through Marlin and Mart <laughter>. /  

b          A.123 utt1:  Uh-huh.  /
sd          A.123 utt2:  {F Oh, } I don't like that drive.  /
sd          A.123 utt3:  I make that drive sometimes  /
sd          A.123 utt4: we have stories out there  /
%          A.123 utt5: {C but, } {F uh, } -/  

sv          B.124 utt1:  There is always a state trooper down there. /  

b          A.125 utt1:  {F Huh. } /  

ad          B.126 utt1:  You have got to drive careful. /  

b          A.127 utt1:  {F Oh, } really <laughter>.  /
aa          A.127 utt2:  I know. /  

sv          B.128 utt1:  Between Mart and Marlin, they will nail you if you go over # sixty miles an hour. # /  

ba          A.129 utt1:  # {F Oh, } goodness.  /
sv          A.129 utt2: #  [ They, + they ] are bad at Hewett too.  On eighty-four. /  

b          B.130 utt1:  Uh-huh. /  

sv          A.131 utt1:  They are real bad.  /
sd          A.131 utt2:  That is where I got my last ticket. /  

x          B.132 utt1:  <Laughter>.   

sd          A.133 utt1:  {C So, } of course, I couldn't pay that on a credit card. / 
