A:	So, so they, they have become a very vital part of our, of our monetary system  over the last few years.
ʌ WORD_BOUNDARY s oʊ WORD_BOUNDARY s oʊ WORD_BOUNDARY ð eɪ WORD_BOUNDARY ð eɪ WORD_BOUNDARY h æ v WORD_BOUNDARY b ɪ k ʌ m WORD_BOUNDARY ʌ WORD_BOUNDARY v ɛ ɹ i WORD_BOUNDARY v aɪ t ə l WORD_BOUNDARY p ɑ ɹ t WORD_BOUNDARY ʌ v WORD_BOUNDARY aʊ ə ɹ ɹ WORD_BOUNDARY ʌ v WORD_BOUNDARY aʊ ə ɹ WORD_BOUNDARY m ɑ n ɪ t ɛ ɹ i WORD_BOUNDARY s ɪ s t ə m WORD_BOUNDARY oʊ v ə ɹ WORD_BOUNDARY ð ə WORD_BOUNDARY l æ s t WORD_BOUNDARY f j uː WORD_BOUNDARY j ɪ ɹ z WORD_BOUNDARY