B:	and there is no long-term disability policy.
b iː WORD_BOUNDARY æ n d WORD_BOUNDARY ð ɛ ɹ WORD_BOUNDARY ɪ z WORD_BOUNDARY n oʊ WORD_BOUNDARY l ɔ ŋ t ɜː m WORD_BOUNDARY d ɪ s ʌ b ɪ l ə t i WORD_BOUNDARY p ɑ l ɪ s i WORD_BOUNDARY