A:	we have the insurance premiums, uh, utilities and so forth
ʌ WORD_BOUNDARY w iː WORD_BOUNDARY h æ v WORD_BOUNDARY ð ɪ WORD_BOUNDARY ɪ n ʃ ʊ ɹ ɹ ə n s WORD_BOUNDARY p ɹ iː m iə m z WORD_BOUNDARY ʌ WORD_BOUNDARY j uː t ɪ l ɪ t i z WORD_BOUNDARY æ n d WORD_BOUNDARY s oʊ WORD_BOUNDARY f ɔ ɹ θ WORD_BOUNDARY