B:	They know they're not going to pay it back.
b iː WORD_BOUNDARY ð eɪ WORD_BOUNDARY n oʊ WORD_BOUNDARY ð eɪ ə ɹ WORD_BOUNDARY n ɑ t WORD_BOUNDARY ɡ oʊ ɪ ŋ WORD_BOUNDARY t ə WORD_BOUNDARY p eɪ WORD_BOUNDARY ɪ t WORD_BOUNDARY b æ k WORD_BOUNDARY