A:	and then you pay that off and don't use it until, uh, it's paid off.
ʌ WORD_BOUNDARY æ n d WORD_BOUNDARY ð ɛ n WORD_BOUNDARY j uː WORD_BOUNDARY p eɪ WORD_BOUNDARY ð æ t WORD_BOUNDARY ɔ f WORD_BOUNDARY æ n d WORD_BOUNDARY d oʊ n t WORD_BOUNDARY j uː z WORD_BOUNDARY ɪ t WORD_BOUNDARY ʌ n t ɪ l WORD_BOUNDARY ʌ WORD_BOUNDARY ɪ t s WORD_BOUNDARY p eɪ d WORD_BOUNDARY ɔ f WORD_BOUNDARY