B:	Just the people who don't need credit get the four and a half percent.
b iː WORD_BOUNDARY d̠ʒ ʌ s t WORD_BOUNDARY ð ə WORD_BOUNDARY p iː p ə l WORD_BOUNDARY h uː WORD_BOUNDARY d oʊ n t WORD_BOUNDARY n iː d WORD_BOUNDARY k ɹ ɛ d ɪ t WORD_BOUNDARY ɡ ɛ t WORD_BOUNDARY ð ə WORD_BOUNDARY f ɔ ɹ WORD_BOUNDARY æ n d WORD_BOUNDARY ʌ WORD_BOUNDARY h æ f WORD_BOUNDARY p ə ɹ s ɛ n t WORD_BOUNDARY