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*x*            Copyright (C) 1995 University of Pennsylvania            *x*
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*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*
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FILENAME:	3170_1352_1412
TOPIC#:		304
DATE:		910926
TRANSCRIBER:	glp
UTT_CODER:	mlg
DIFFICULTY:	3
TOPICALITY:	2
NATURALNESS:	2
ECHO_FROM_B:	1
ECHO_FROM_A:	2
STATIC_ON_A:	1
STATIC_ON_B:	2
BACKGROUND_A:	1
BACKGROUND_B:	3
REMARKS:        Speaker B had a baby screaming in the background.

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

sd          A.1 utt1:   Basically, {F uh, } my husband and myself use the credit cards in regards to major purchases.  /
sd          A.1 utt2:  We really don't get into small little purchases.  /
sd          A.1 utt3: If we're going to purchase something quite large we might put it on a credit card,  /
sd          A.1 utt4: {C but, } other than that it's not something that we use a lot of.  /
sd          A.1 utt5:  {F Uh, } we may have only two or three versus, {F uh, } I know a lot of people have up to a half a dozen or,  {F uh, } up to a dozen credit cards,  /
sd          A.1 utt6: {C but, } {F uh, } ours are just major credit cards that we have and, {F uh, } [ use, + {F uh, } use ] only [ when + <noise>, when ] we feel it's necessary to make a big purchase. /  

b          B.2 utt1:   Yeah,  /
qy          B.2 utt2: is that like Visa [ and + --   

ny          A.3 utt1:   Yeah. /  

+          B.4 utt1:   -- and ] Mastercard. /  

ny          A.5 utt1:   Yeah. /  

qy          B.6 utt1:   Do you have department store credit cards too,  /
%          B.6 utt2: {C or, } -/  

ny          A.7 utt1:   {F Uh, } yeah,  /
sd^e          A.7 utt2: one Sears. /  

b          B.8 utt1:   Uh-huh. /  

sd          A.9 utt1:   Sears is pretty major with us simply because we do, {F uh, }   

^2          B.10 utt1:   Appliances. /  

+          A.11 utt1:   Appliances and things like that  /
sv          A.11 utt2: {C and } they're real good with their appliance and stuff like that  /
%          A.11 utt3: {C so, } -/  

b          B.12 utt1:   Yeah. /  

sd          A.13 utt1:   {C But, } {F uh, } we try to avoid them with a passion because of the percent of interest rate.  /
sv          A.13 utt2:  If you've got the cash to pay for something, it's better to do it that way than versus credit cards, unless it's a small enough sum that you can do it within a two, three month period,  /
sv          A.13 utt3: {C but } --   

b          B.14 utt1:   Yeah. /  

+          A.15 utt1:   -- if it's, {F uh, } any large purchases, {F uh, } you've got to kind of think about, {F uh, } how much you're going to put down as far as, {F uh, } payments on it so that you're not getting eighteen percent or --   

b          B.16 utt1:   Right <throat_clearing>. /  

+          A.17 utt1:   -- twenty percent interest taken off,  /
%          A.17 utt2: {C so, } -/  

sd          B.18 utt1: [  My, + my ] husband and I do basically the same thing,  /
sd          B.18 utt2: {C but } [ we, + we ] end up sneaking a few in there that surprise us. /  

b          A.19 utt1:   Uh-huh. /  

sd          B.20 utt1:   We still pay it off every month --   

b          A.21 utt1:   Yeah. /  

+          B.22 utt1:   -- if it kills us <laughter>. /  

b          A.23 utt1:   Yeah,  /
b^r          A.23 utt2: yeah. /  

sd          B.24 utt1:   {C But, } we do it mainly for, {D you know, } the cash flow,  /
t1          B.24 utt2: what is that, {F oh, } float. - /
sd          B.24 utt3: That's the word, float. /  

b          A.25 utt1:   Uh-huh.  /
b          A.25 utt2:  Sure,  /
b^r          A.25 utt3: sure. /  

sd          B.26 utt1:   {C And, } I often will keep [ tra-, + track ] of what I've charged and  sometimes deduct it from my checkbook --   

b          A.27 utt1:   Uh-huh. /  

+          B.28 utt1:   -- already. /  

b          A.29 utt1:   Sure,  /
%          A.29 utt2: {C so } you know. /  

%          B.30 utt1:   {C And } sometimes just, - /
sd          B.30 utt2: {C and } keep a list and make sure [ I + <baby_crying> --   

b          A.31 utt1:   Sure. /  

+@          B.32 utt1:   -- I ] don't go over a certain <laughter> limit.    

b          A.33 utt1:   Yeah. /  

+@          B.34 utt1:   Especially around birthdays, {D you know. } /  

aa          A.35 utt1:   Exactly. /  

b          B.36 utt1:   Oh. /  

aa^r          A.37 utt1:   Exactly <noise>. /  

sd          B.38 utt1:   If we go out to a restaurant, {F oh, } just to float it,  /
h          B.38 utt2: {C or, } I don't know. /  

sv          A.39 utt1:   {C Or, } if it's a business transaction --   

b          B.40 utt1:   Yeah. /  

+          A.41 utt1:   -- a lot of times that's important, too --   

b          B.42 utt1:   Yes,  /
sd          B.42 utt2: my husband has [ a, + a, ] -/  

+          A.43 utt1:   -- to keep a better receipt of it.  /
%          A.43 utt2:  {C So, } yeah. /  

sd          B.44 utt1:   {C Or } anytime like a plane ticket, or, {D you know } <throat_clearing>, -/  

b          A.45 utt1:   Uh-huh. /  

sd          B.46 utt1:   Even if we have the, - /
sd          B.46 utt2: I'm sure we'd have the cash before we got it,  /
sd          B.46 utt3: {C but } --   

b          A.47 utt1:   Uh-huh. /  

+          B.48 utt1:   -- the float --   

b          A.49 utt1:   Sure. /  

+          B.50 utt1:   -- for more than a hundred dollars seems real nice for [ that. +    

b          A.51 utt1:   {F Oh, } sure.  /
^2          A.51 utt2: For the month or whatever. /  

+          B.52 utt1:   That ] thirty <baby_crying> days --   

b          A.53 utt1:   Yeah. /  

+          B.54 utt1:   -- or whatever. /  

aa           A.55 utt1:   Exactly.  /
%          A.55 utt2:  {C So, } -/  

sd          B.56 utt1:   We have a new one from A T AND T  /
sd          B.56 utt2: {C and } we [ have, + {D you know, } haven't ] used that one too much <baby_crying>. /  

b          A.57 utt1:   Uh-huh,  /
b          A.57 utt2: yeah. /  

sv          B.58 utt1:   Be interesting,  /
sv          B.58 utt2: that's nice, <baby_crying> because you can use it for a calling card also. /  

aa          A.59 utt1:   Exactly,  /
b          A.59 utt2: sure. /  

sd          B.60 utt1:   It's a Mastercard, too,  /
%          B.60 utt2: {C so } <baby_crying>. -/  

b          A.61 utt1:   Sure,  /
b          A.61 utt2: yeah. /  

sv          B.62 utt1:   It's kind of fun, {F uh, }  /
sd          B.62 utt2: <baby_crying> {C but } you get a lot of junk mail about them. /  

aa          A.63 utt1:   {F Oh, } yeah  /
sd          A.63 utt2: {C and } you always get these preapproved, {F uh, } credit card things coming through, {F uh, }  /
^q          A.63 utt3: your credit is great,  /
^q          A.63 utt4: {C so } let's send you another credit card  /
sd          A.63 utt5: {C or } --   

b          B.64 utt1:   Yeah,  /
^q          B.64 utt2: you're such [ a + --   

+          A.65 utt1:   -- it's preapproved for, -/  

+          B.66 utt1:   -- a ] wonderful person <laughter>. /  

sv          A.67 utt1:  [ That's, + that's ] to entice you to get more credit cards. /  

^q          B.68 utt1:   We'll give you five thousand dollars --   

b          A.69 utt1:   Yeah. /  

+          B.70 utt1:   -- up front <laughter>. /  

sd          A.71 utt1:   {C And so, } {D you know, } we always laugh about that because it's quite a bit <baby_crying>. - /
sd          A.71 utt2: {E I mean, } {D you know, } you always constantly getting those preapproved stuff,  /
%          A.71 utt3: {C so. } -/  

b          B.72 utt1:   Right.  /
qy          B.72 utt2:  Do you have, {F uh, } an annual fee on yours  /
qrr          B.72 utt3: {C or } <baby_crying> do you get yours through a bank  /
%          B.72 utt4: {C or, } -/  

sd          A.73 utt1:   {F Uh, } ours is through a bank, yeah. *[[should they 'yeah' be a seperate slash unit?]]/  

b          B.74 utt1:   Yeah. /  

sd          A.75 utt1:   We had it a long time ago through a bank  /
%          A.75 utt2: {C and } it just a <baby_crying> - /
%          A.75 utt3:  {C but, } -/  

b          B.76 utt1:   Yeah.  /
sv          B.76 utt2: [ I, + I ] can't see paying an annual fee for it.  /
sd          B.76 utt3:  {E I mean } I almost <baby_crying>, -/  

sv          A.77 utt1:   {F Oh, } you're already paying them, {F uh, } [ if you're, + if you ] don't pay it off within that month, interest, anyway,  /
%          A.77 utt2: {C so, } yeah,  /
sv          A.77 utt3: that's exactly it  /
%          A.77 utt4: {C so, } -/  

b          B.78 utt1:   <Baby_crying> Yeah. /  

fc          A.79 utt1:   Okay. /  

fc          B.80 utt1:   {D Well, } it sounds like I'm being paged otherwise. /  

fc          A.81 utt1:   Okay. /  

fc          B.82 utt1:   {D So } <laughter>. -/  

fc          A.83 utt1:   All right,  /
fc          A.83 utt2: thanks a lot. /  

fc          B.84 utt1:   Good talking to you. /  

fc          A.85 utt1:   Bye now. / 
