B:	So do you have an opinion on credit cards?
b iː WORD_BOUNDARY s oʊ WORD_BOUNDARY d uː WORD_BOUNDARY j uː WORD_BOUNDARY h æ v WORD_BOUNDARY ʌ n WORD_BOUNDARY ə p ɪ n iə n WORD_BOUNDARY ɔ n WORD_BOUNDARY k ɹ ɛ d ɪ t WORD_BOUNDARY k ɑ ɹ d z WORD_BOUNDARY