B:	but the majority is to the availability of the individual to pay
b iː WORD_BOUNDARY b ʌ t WORD_BOUNDARY ð ə WORD_BOUNDARY m ə d̠ʒ ɔ ɹ ɪ t i WORD_BOUNDARY ɪ z WORD_BOUNDARY t ə WORD_BOUNDARY ð ɪ WORD_BOUNDARY ʌ v eɪ l ə b ɪ l ɪ t i WORD_BOUNDARY ʌ v ð ɪ WORD_BOUNDARY ɪ n d ɪ v ɪ d̠ʒ uː ə l WORD_BOUNDARY t ə WORD_BOUNDARY p eɪ WORD_BOUNDARY