A:	you know, they have to pay for their own insurance.
ʌ WORD_BOUNDARY j uː WORD_BOUNDARY n oʊ WORD_BOUNDARY ð eɪ WORD_BOUNDARY h æ v WORD_BOUNDARY t ə WORD_BOUNDARY p eɪ WORD_BOUNDARY f ɔ ɹ WORD_BOUNDARY ð ɛ ɹ WORD_BOUNDARY oʊ n WORD_BOUNDARY ɪ n ʃ ʊ ɹ ɹ ə n s WORD_BOUNDARY