B:	If they are losing money, then they're going to raise rates.
b iː WORD_BOUNDARY ɪ f WORD_BOUNDARY ð eɪ WORD_BOUNDARY ɑ ɹ WORD_BOUNDARY l uː z ɪ ŋ WORD_BOUNDARY m ʌ n i WORD_BOUNDARY ð ɛ n WORD_BOUNDARY ð eɪ ə ɹ WORD_BOUNDARY ɡ oʊ ɪ ŋ WORD_BOUNDARY t ə WORD_BOUNDARY ɹ eɪ z WORD_BOUNDARY ɹ eɪ t s WORD_BOUNDARY