B:	and they just pay the minimum required balance.
b iː WORD_BOUNDARY æ n d WORD_BOUNDARY ð eɪ WORD_BOUNDARY d̠ʒ ʌ s t WORD_BOUNDARY p eɪ WORD_BOUNDARY ð ə WORD_BOUNDARY m ɪ n ɪ m ə m WORD_BOUNDARY ɹ ɪ k w aɪ ə ɹ d WORD_BOUNDARY b æ l ə n s WORD_BOUNDARY