word
sp
ARE
sp
YOU
sp
ALRIGHT
ARE
sp
YOU
WARM
OH
I
I
MEAN
I
HAVEN'T
BEEN
sp
I
HAD
IT
ON
BUT
I
sp
PUT
IT
OFF
BECAUSE
IT
WAS
sp
YEAH
WELL
YOU'RE
sp
GOING
OUT
ANYWAY
SO
YOU
YEAH
DON'T
sp
NEED
sp
THE
sp
HEATER
sp
ON
HOW
ARE
YOU
ALRIGHT
ENOCH
'S
sp
COMING
sp
FOR
ME
sp
THREE
O'CLOCKISH
OH
WELL
sp
WE
sp
DIDN'T
sp
HAVE
sp
TO
sp
COME
sp
{LG}
{OOV}
YOU
SEE
sp
WE
CAME
ROUND
TO
GIVE
YOU
A
LIFT
OH
THAT'S
VERY
NICE
OF
YOU
BUT
I
DIDN'T
KNOW
WHETHER
YOU
WERE
OR
NOT
AND
sp
SHE
sp
PHONED
sp
NO
I
PHONED
HER
AND
sp
SHE'S
sp
GOING
AND
sp
SHE
SAID
SHE'D
COME
sp
FOR
ME
sp
SO
sp
YEAH
sp
I
DIDN'T
KNOW
WHETHER
YOU
WERE
COMING
OR
NOT
COS
YOU
SAID
YOU
DIDN'T
KNOW
WELL
WE
DIDN'T
KNOW
WE
sp
WEREN'T
sp
SURE
sp
BUT
NO
YOU
SAID
YOU
WOULD
BE
TOO
BUSY
sp
WELL
WE
DIDN'T
KNOW
sp
WHAT
TIME
WHEN
WE
WHAT
TIME
WE
WERE
GON
NA
BE
sp
VIEWING
HOUSES
BUT
WE'VE
BEEN
sp
TO
SEE
sp
TWO
sp
WHERE
sp
OH
YEAH
I
sp
THINK
sp
THINK
{OOV}
JUST
sp
FINISHED
sp
MEETING
ME
sp
AND
sp
THEY'RE
{OOV}
sp
HAVE
YOU
HEARD
FROM
THE
PEOPLE
YET
sp
NO
sp
WELL
TH
sp
ER
sp
YOU
HAVE
sp
TO
WAIT
sp
TILL
YOU
HEAR
FROM
THEM
REALLY
sp
BEFORE
YOU
DO
{OOV}
CAN
YOU
sp
I
DON'T
sp
KNOW
WHETHER
sp
IT'S
MM
sp
WHETHER
IT'S
sp
WHAT
sp
WELL
sp
YOU
CAN'T
JUST
LEAVE
IT
AND
NOT
BOTHER
CAN
WE
sp
NO
I
KNOW
BUT
I
sp
THOUGHT
THEY'D
sp
YOU
KNOW
sp
WE
THOUGHT
THERE'D
HAVE
BEEN
SOME
sp
RESPONSE
I
THOUGHT
THEY
sp
BY
NOW
BUT
THERE
HASN'T
BEEN
THERE
HASN'T
sp
DID
THEY
SAY
THEY'D
COME
AND
SEE
YOU
sp
YEAH
sp
AND
sp
THEY
HAVEN'T
BOTHERED
sp
OH
sp
I
sp
WOULDN'T
sp
{OOV}
MM
AND
HE
HASN'T
BOTHERED
sp
WELL
sp
TIME
YET
ISN'T
THERE
sp
WELL
WE
sp
THOUGHT
sp
WE'D
BETTER
GET
LOOKING
sp
OH
YEAH
YOU
MIGHT
AS
WELL
YOU
sp
MIGHT
AS
sp
WELL
WELL
sp
WHAT
sp
HAVE
sp
YOU
sp
SEEN
sp
WHERE
YOU
BEEN
sp
ALBANY
ROAD
AND
NEW
DROVE
sp
NEW
DROVE
WHERE'S
THAT
sp
DOWN
NEAR
sp
QUEEN'S
BOYS
sp
OH
AYE
DOWN
THAT
WAY
sp
YEAH
I
KNOW
sp
THAT
ONE
sp
OH
A
NEW
sp
ONE
YEAH
BRAND
sp
NEW
sp
IT'S
A
FLAT
sp
MM
sp
THEY'RE
sp
BOTH
sp
FLATS
sp
THEY'RE
sp
BOTH
FLATS
THAT
WE'VE
SEEN
sp
WELL
IS
sp
IT
UPSTAIRS
OR
DOWNSTAIRS
WELL
THERE'S
ONE
OF
EACH
sp
BUT
WE
PREFER
THE
UPSTAIRS
sp
ONE
sp
IT'S
NICER
I
sp
DIDN'T
sp
LIKE
THE
DOWNSTAIRS
sp
ONE
sp
I
DIDN'T
LIKE
sp
THE
sp
KITCHEN
sp
IT
sp
WAS
LIKE
sp
A
PASSAGE
WEREN'T
sp
IT
REALLY
IT'S
sp
A
FUNNY
LITTLE
sp
IT
WAS
A
SMALL
sp
KITCHEN
WASN'T
IT
FUNNY
KITCHEN
sp
THERE'S
NO
ROOM
FOR
ANY
NO
sp
WELL
THERE'S
ROOM
FOR
A
COOKER
AND
A
WASHING
MACHINE
IS
IT
THERE'S
NOBODY
IN
IT
IT'S
IT'S
IT'S
EMPTY
BRAND
NEW
MM
YEAH
sp
BRAND
NEW
EMPTY
sp
NOBODY'S
BEEN
sp
IN
THEM
sp
YET
sp
AND
HOW
HOW
BIG
sp
IS
IT
THE
WHOLE
HOU
I
MEAN
HOW
WHAT
HALF
THE
HOUSE
{OOV}
NO
NO
WELL
THE
UPSTAIRS
sp
HALF
sp
UPSTAIRS
sp
HALF
YEAH
WELL
sp
THERE'S
A
H
THAT'S
sp
TWO
HOUSES
THERE
THERE'S
FOUR
THERE
YEAH
THERE'S
FOUR
FLATS
ALTOGETHER
IN
THAT
sp
BLOCK
sp
I
SEE
sp
THERE'S
ONE
BEDROOM
AND
A
LIVING
ROOM
AND
A
KITCHEN
AND
A
BATHROOM
AND
sp
IT'S
sp
QU
sp
THEY'RE
QUITE
SIZEABLE
REALLY
I
MEAN
THEY'RE
NOT
YOU'RE
QUITE
IMPRESSED
sp
MM
sp
WELL
THE
UPSTAIRS
ONE'S
CERTAINLY
MUCH
MUCH
BETTER
THAN
THE
DOWNSTAIRS
ONE
YEAH
WE
HAVEN'T
WE
LIKED
THE
UPSTAIRS
ONE
VERY
MUCH
IS
IT
YEAH
sp
THE
UPSTAIRS
sp
ONE
{OOV}
AND
WE
CAN
GET
A
GOOD
PACKAGE
ON
THAT
YOU
sp
SEE
sp
HOW
DO
YOU
MEAN
sp
WELL
sp
HE
HE'S
WANTING
TO
sp
SELL
THEM
sp
YEAH
BUT
I
MEAN
{OOV}
WHAT
DO
YOU
AND
HE'LL
EITHER
YOU
CAN
EITHER
sp
KNOCK
HE'LL
{OOV}
YOU
CAN
EITHER
KNOCK
sp
SOME
MONEY
OFF
sp
WHICH
HE'D
ACCEPT
{OOV}
MO
MOST
sp
OR
HE'D
PAY
YOUR
DEPOSIT
FOR
YOU
sp
OH
AND
WHAT'S
THAT
sp
WELL
I'M
sp
IF
sp
IT'S
sp
FULL
PRICE
sp
THIRTY
sp
THOUSAND
THAT'S
sp
THREE
THOUSAND
POUND
IN
N
IT
NEAR
ENOUGH
YEAH
WELL
sp
FIFTEEN
HUNDRED
FIVE
PERCENT
sp
IS
sp
FIFTEEN
AT
sp
FIVE
sp
PERCENT
OH
HE'D
PAY
FIFTEEN
HUNDRED
FOR
YOU
sp
WHAT
OR
OR
HE'LL
KNOCK
IT
OFF
THE
PRICE
IF
sp
YOU
WANT
TO
sp
OH
WELL
sp
THAT
DOESN'T
YOU
CAN
GET
A
sp
GOOD
DEAL
WITH
HIM
BECAUSE
YES
HE
WANTS
TO
GET
sp
HE
WANTS
THEM
SOLD
NOW
HE'S
BUILT
THEM
sp
YEAH
sp
AND
THIS
IS
THE
OTHER
ONE
IS
IT
sp
WHAT
THIS
IS
A
HOUSE
IS
IT
THAT'S
sp
A
FLAT
AS
sp
WELL
NO
THIS
IS
A
FLAT
AS
WELL
{OOV}
THEY'RE
BOTH
sp
FLATS
YEAH
THAT'S
A
DOWNSTAIRS
ONE
sp
A
DOWNSTAIRS
FLAT
DOWNSTAIRS
FLAT
IN
AN
OLD
HOUSE
{OOV}
YEAH
sp
OLDER
YEAH
sp
IT'S
sp
AN
OLDER
HOUSE
BUT
IT'S
sp
BEEN
sp
COMPLETELY
sp
IT'S
sp
BEEN
YEAH
sp
BUILDERS
REN
MADE
IT
sp
INTO
TWO
SEPARATE
{OOV}
IS
sp
IT
NICE
sp
MM
sp
YEAH
I
THINK
I
LIKE
THAT
IT'S
sp
THE
OLDER
ONE
I
KNOW
BUT
sp
I
sp
THINK
sp
THEY'RE
BOTH
NICE
THE
BATH
THE
KITCHEN'S
NICE
IN
THAT
sp
ONE
THOUGH
ISN'T
IT
sp
THE
KITCHEN'S
NICE
WHAT
IN
THIS
ONE
YEAH
IT'S
A
LOVELY
KITCHEN
sp
YEAH
sp
IT'S
BEEN
DONE
OUT
NICE
AND
THERE'S
TILES
AND
THERE'S
sp
NICE
sp
COLOURED
sp
UNITS
AND
THAT
THERE'S
sp
SOME
sp
LOVELY
sp
LOVELY
UNITS
IN
THAT
ONE
AND
WOULD
THERE
BE
ANY
ERM
sp
DIFFICULTY
IN
GETTING
A
MORTGAGE
WITH
THIS
ONE
sp
WELL
I
DON'T
THINK
sp
SO
sp
NO
sp
THEY'RE
QUITE
HAPPY
TO
LEND
STUART
THE
MONEY
sp
AS
LONG
AS
IT'S
sp
NOT
MORE
THAN
THIRTY
TWO
WHICH
THAT
ISN'T
sp
YEAH
AND
WE'LL
PROBABLY
KNOCK
HIM
DOWN
ANYWAY
BECAUSE
sp
SAY
THERE'S
YES
sp
PROPERTIES
AREN'T
GOING
WHERE'S
sp
THIS
sp
ALBANY
sp
WHERE'S
THAT
TOP
TOP
OF
CHASE
STREET
BEHIND
sp
FACTORY
sp
BOTTOM
OF
CHASE
STREET
sp
BOTTOM
sp
CH
CHASE
STREET
NOW
sp
WHERE'S
sp
THAT
WHERE
RUTLAND
ARMS
IS
ON
THE
CORNER
IT'S
sp
RIGHT
ON
THE
END
OF
sp
THAT
OH
OH
OFF
LYNN
ROAD
sp
OH
AYE
YOU'RE
RIGHT
IN
TOWN
THEN
YEAH
sp
YEAH
sp
I
SAY
THERE
sp
THERE
INTEREST
YOU
sp
I'VE
SEEN
THAT
BEFORE
sp
OH
HAVE
YOU
sp
MM
sp
I
sp
WAS
GON
NA
RENT
sp
IT
sp
ARE
YOU
MAKING
A
CUP
OF
TEA
YEAH
I'M
MAKING
YOU
A
CUP
OF
sp
TEA
OH
RIGHT
MAKE
{OOV}
WE'RE
DESPERATE
WE'VE
NOT
WE'VE
BEEN
OUT
SINCE
sp
ABOUT
ELEVEN
O'CLOCK
AND
NOT
HAD
A
DRINK
AH
HAVEN'T
YOU
BEEN
TO
THE
{OOV}
WE'VE
BEEN
IN
WE'VE
BEEN
IN
THE
ESTATE
AGENTS
AND
OH
sp
SEEING
HOUSES
AND
WELL
THERE'S
BISCUITS
THERE
THERE'S
A
C
A
BIT
OF
CAKE
ANN
I
MADE
A
sp
COCONUT
sp
CAKE
BUT
sp
ER
sp
ER
sp
I
sp
PUT
SOME
sp
COCONUT
sp
ICING
ON
IT
sp
PINK
sp
BUT
THE
PINK
WENT
A
sp
BIT
WELL
sp
THE
COCHINEAL
WAS
A
BIT
DRY
SO
I
PUT
SOME
WATER
IN
sp
AND
sp
BOOF
sp
OUT
IT
CAME
SO
sp
YOU
IT'S
GOT
RED
ICING
ON
IT
{LG}
BUT
YOU
CAN
sp
HAVE
IT
IF
YOU
LIKE
sp
YOU
KNOW
sp
YOU
CAN
HAVE
IT
IF
sp
YOU
sp
LIKE
sp
MM
sp
OR
THERE'S
SOME
BISCUITS
sp
OR
THERE'S
SOME
RYVITA
sp
SHEILA
HAS
LOST
sp
THREE
AND
A
HALF
sp
POUNDS
THIS
sp
WEEK
OH
LOVELY
sp
ISN'T
SHE
DOING
WELL
sp
AND
sp
WELL
SHE'S
THAT
CHUFFED
WITH
HERSELF
sp
LAST
NIGHT
SHE'S
SO
sp
DONE
REALLY
WELL
HASN'T
SHE
YEAH
NO
SHE
WON
sp
THE
FRUIT
sp
HAVE
THIS
HEATING
ON
NO
IT'S
sp
ALRIGHT
SURE
ERM
IT'S
sp
NOT
COLD
sp
OUTSIDE
IT'S
LOVELY
NO
IT'S
QUITE
MILD
NO
IT
ISN'T
COLD
I
MEAN
I
HAD
THE
HEATING
ON
TO
START
WITH
AND
OH
I
THOUGHT
THIS
sp
IS
sp
RIDICULOUS
I
MEAN
YES
I
MAY
AS
WELL
SAVE
MY
GA
sp
THAT'S
sp
IT
COS
IT'S
GON
NA
COST
sp
ME
ERM
sp
SHE
WON
THE
FRUIT
sp
NOW
WHAT
THEY
DO
IS
EACH
OF
THEM
sp
TAKES
sp
A
sp
PIECE
OF
FRUIT
sp
EACH
sp
TIME
THEY
GO
MM
sp
I
MEAN
THIS
IS
QUITE
A
GOOD
IDEA
ACTUALLY
sp
AN
APPLE
OR
AN
ORANGE
OR
SOMETHING
sp
SO
THE
ONE
WHO
LOSES
THE
MOST
sp
WEIGHT
sp
WINS
THE
FRUIT
AND
SHE
GOT
sp
THE
FRUIT
WINS
IT
OH
THAT'S
DEFINITELY
AN
sp
INCENTIVE
OH
LOVELY
THREE
AND
A
HALF
sp
POUND
SHE
LOST
AND
SHE
LOST
MORE
THAN
ANY
OF
sp
THEM
{OOV}
LOVELY
SOME
OF
THEM
'S
ONE
OF
THE
WOMEN
HAD
GAINED
A
POUND
{LG}
OH
DEAR
{LG}
HAD
GAINED
A
sp
POUND
SO
YOU
KNOW
sp
SO
I
MEAN
SHE'S
OVER
HALF
A
STONE
NOW
ISN'T
SHE
SO
THAT'S
NICE
FOR
THAT'S
RIGHT
sp
THAT'S
WHAT
SHE
SAY
I
sp
SAID
GOOD
GIRL
KEEP
GOING
YEAH
OH
I'M
sp
GOING
sp
TO
SHE
sp
SAYS
MM
YEAH
sp
BUT
I
MEAN
THAT
MAKES
A
DIFFERENCE
ANN
DOESN'T
IT
IT
sp
DOES
EH
sp
MM
sp
THAT'S
SMASHING
sp
YEAH
sp
SHE'S
sp
RIGHT
CHUFFED
sp
WITH
sp
HERSELF
RIGHT
CHUFFED
sp
WITH
HERSELF
sp
I'M
sp
TRYING
sp
TO
sp
WASH
sp
MY
sp
HAIR
sp
BUT
I
DAREN'T
sp
DO
I'LL
DO
IT
sp
TOMORROW
sp
{OOV}
sp
THERE
sp
YOU
ARE
DEAR
sp
ERM
sp
POP
THAT
DOWN
sp
THERE
{OOV}
THERE
sp
YOU
GO
BET
YOU'RE
READY
sp
FOR
sp
THAT
sp
YES
sp
DEF
sp
DEFINITELY
READY
sp
FOR
IT
sp
DEFINITELY
DEFINITELY
DESPERATE
FOR
IT
sp
YEP
sp
I'LL
LEAVE
YOURS
ANOTHER
MINUTE
sp
I'M
sp
DESPERATE
sp
{LG}
sp
AH
sp
MUM
sp
'S
GOT
SOME
sp
CAKE
IN
sp
THERE
SHE
sp
SAID
IF
sp
YOU
WANT
A
BIT
sp
{OOV}
CAKE
AT
HOME
FAIR
ENOUGH
sp
JUST
THOUGHT
YOU
MIGHT
BE
HUNGRY
sp
CHEERS
MY
DEAR
sp
CHEERS
sp
SEE
WHAT
I
GOT
YESTERDAY
ANN
sp
OH
sp
THEY'RE
NICE
sp
THREE
sp
POUND
sp
OH
sp
THEY'RE
sp
LOVELY
sp
LIKE
sp
THEM
sp
OXFAM
sp
NOT
sp
OXFAM
{OOV}
LOOK
sp
IT'S
EVEN
GOT
sp
AREN'T
THEY
NICE
A
TUMMY
THING
IN
IT
sp
YOU
KNOW
TO
HOLD
YOUR
sp
TUMMY
IN
sp
THEY'RE
sp
LOVELY
sp
HOW
ABOUT
THAT
sp
THREE
QUID
sp
THREE
FIFTY
THEY'RE
NICE
sp
LIKE
THEM
sp
YEAH
sp
NEW
PAIR
OF
TROUSERS
AREN'T
THEY
AND
THEY
FIT
ME
PERFECT
THEY'RE
SMART
YEAH
THEY'VE
NOT
sp
BEEN
WORN
HAVE
THEY
YOU
CAN
TELL
sp
{OOV}
sp
NO
LOOK
sp
THEY'RE
sp
LOVELY
sp
LIKE
THEM
MM
sp
MM
sp
NICE
{OOV}
WILL
sp
GO
BANANAS
sp
THE
HEART
sp
FOUNDATION
SHOP
sp
WELL
sp
WHAT'S
WRONG
WITH
THE
HEART
FOUNDATION
SHOP
sp
WELL
WHATEVER
IT
sp
IS
YOU
sp
KNOW
sp
IT'S
AS
GOOD
AS
ANYWHERE
SHEILA
DOESN'T
AGREE
WITH
IT
sp
AND
sp
WHY
NOT
MIND
sp
IT'S
sp
A
sp
PAIR
IT'S
A
sp
{OOV}
IT'S
sp
ABOUT
WHAT
sp
TWELVE
POUND
PAIR
OF
TROUSERS
FOR
ONLY
FOR
sp
YEAH
A
FIFTEEN
POUND
PAIR
OF
TROUSERS
sp
FOR
sp
YEAH
COS
THEY'RE
sp
NOT
IT'S
NOT
A
CHEAP
PAIR
IS
IT
THEY
HAVEN'T
BEEN
WORN
HAVE
sp
THEY
NO
I'M
QUITE
sp
HAPP
sp
CHUFFED
sp
WITH
sp
THEM
sp
MM
{XX}
OOH
sp
PARDON
ME
sp
{OOV}
HAVE
sp
THAT
sp
CAKE
sp
STUART
sp
NO
IT'S
ALRIGHT
sp
WELL
sp
HELP
YOURSELF
sp
DON'T
WORRY
{LG}
HE
WOULD
sp
OH
ALRIGHT
ALRIGHT
sp
{LG}
I
HAD
THE
BABY
sp
{OOV}
sp
I
HAD
sp
THE
sp
BABY
sp
{OOV}
IN
sp
THE
ER
sp
IN
sp
THE
ER
sp
VERANDAH
ALL
MORNING
OH
HAVE
sp
YOU
I
BET
THEY
LIKED
IT
OUT
THERE
sp
CHANGE
OF
SCENE
I
PUT
THE
TWO
OF
THEM
IN
THE
CAGE
THEY
WENT
IN
THE
CAGE
AND
THEY
sp
OH
AND
THEY
GET
ON
ALRIGHT
TOGETHER
sp
THEY
WAS
CHIRPING
A
BIT
AND
sp
WHISKEY
'S
THE
BULLY
sp
YEAH
AND
PADLEY
AND
THEN
I
SPRAYED
THEM
sp
AND
PADLEY
STARTED
TO
WASH
HIMSELF
sp
OH
THE
sp
SIZE
OF
THEM
sp
WHEN
HE
{OOV}
sp
FLUTTER
OH
HE'S
VERY
sp
HE
sp
OH
HE'S
sp
A
sp
BIG
BIRD
sp
HE
IS
HE
WAS
A
DEVIL
THOUGH
THEY
WERE
ALRIGHT
THOUGH
QUITE
HAPPY
OUT
THERE
MM
DO
sp
YOU
WAN
NA
S
ER
AT
THE
TABLE
ANN
sp
NO
YOU'RE
ALRIGHT
sp
THAT'LL
DO
ME
YOU'RE
sp
SURE
WE
SHAN'T
sp
BE
STOPPING
THAT
sp
LONG
EH
IF
sp
YOU'RE
sp
GOING
sp
OUT
ANYWAY
WON'T
sp
YOU
sp
OH
YOU
CAN
STAY
AS
LONG
AS
YOU
LIKE
IT'S
sp
UP
sp
TO
YOU
I
DON'T
sp
MIND
sp
NO
sp
WE'LL
HAVE
sp
A
sp
CUP
OF
sp
TEA
sp
THEN
WE'LL
GO
HOME
sp
GET
OUR
TEA
ON
sp
LIVER
CASSEROLE
FOR
TEA
sp
OH
VERY
NICE
VERY
NICE
sp
JUST
sp
THE
JOB
I
sp
HOPE
sp
SO
SHOULD
BE
ALRIGHT
sp
HAVE
sp
YOU
sp
HAD
YOUR
HOKEY
sp
THING
sp
NO
I
HAVEN'T
{OOV}
THAT
OH
IT'S
sp
LOVELY
sp
IS
IT
sp
IT'S
sp
DELICIOUS
sp
I'VE
EATEN
sp
MINE
sp
IT
sp
DO
YOU
WANT
ER
DO
YOU
WANT
sp
NO
NO
YOU
HAVE
IT
DID
YOU
HAVE
THE
TWO
BITS
OR
THE
ONE
BIT
YEAH
I
HAD
sp
TWO
WITH
A
sp
BIT
OF
SALAD
sp
WITH
A
BIT
OF
SA
YEAH
I'VE
GOT
TO
DO
SALAD
sp
OH
IT
WAS
sp
LOVELY
sp
WAS
IT
MM
OOH
YEAH
sp
NO
sp
I'M
sp
GON
NA
HAVE
IT
TONIGHT
ANN
I
ERM
HAD
BAKED
POTATOES
LAST
sp
NIGHT
MM
WHAT
ELSE
DID
sp
I
DO
JUST
sp
HAD
A
sp
SHOWER
sp
COR
sp
FEEL
A
BIT
COLD
NOW
sp
WHAT
DID
YOU
HAVE
LAST
sp
NIGHT
OH
YOU
HAD
TANDOORI
sp
DIDN'T
sp
YOU
TANDOORI
sp
I
DON'T
sp
KNOW
sp
WHETHER
TO
sp
GIVE
VERA
sp
HER
sp
PRESENT
TODAY
OR
TOMORROW
sp
WHAT
DID
YOU
GET
HER
IN
THE
END
{OOV}
sp
A
ROSEBUSH
sp
OH
YEAH
YOU
SAID
YOU
PROBABLY
WERE
sp
I
MEAN
I
KNOW
ER
DO
sp
YOU
THINK
IT'S
DAFT
sp
NO
I
THINK
sp
IT'S
sp
NICE
sp
AH
BUT
IT'S
A
IT'S
A
sp
YOU
KNOW
A
ROSE
NOT
sp
YOU
KNOW
I
sp
THINK
sp
I
THOUGHT
WELL
WHAT
CAN
YOU
BUY
HER
WELL
THAT'S
IT
NO
POINT
IN
sp
BUYING
HER
ORNAMENTS
AND
THINGS
I
MEAN
EVERYBODY'S
sp
BUYING
HER
ALL
S
NO
SHE'S
GON
NA
GET
LOADS
OF
ORNAMENTS
sp
THAT'S
IT
AND
sp
AND
YOU
KNOW
WHAT
SHE'S
sp
LIKE
sp
SO
sp
I
sp
I
I
MEAN
BUT
sp
I
DON'T
KNOW
WHETHER
sp
TO
TAKE
sp
IT
sp
TODAY
OR
sp
YOU
KNOW
BECAUSE
SHE'LL
GET
A
LOT
OF
sp
THINGS
GIVEN
HER
sp
TODAY
sp
OR
WAIT
sp
TILL
TOMORROW
NIGHT
OR
sp
JOAN
PHONED
THIS
sp
MORNING
AND
sp
OH
I
S
I
SAW
TOM
IN
TOWN
YESTERDAY
sp
ALTHOUGH
I
DIDN'T
HE
HE
sp
I
DIDN'T
HAVE
TIME
TO
ASK
HIM
WHAT
THE
HELL
HE'D
BEEN
UP
sp
TO
sp
HERE
YOU
ARE
sp
OH
I'VE
GOT
SOME
N
NEW
CIGARETTES
I
sp
NEVER
BROUGHT
THEM
IN
WHAT
KIND
sp
WHAT
THEY
CALLED
sp
DORCHESTER
sp
DORCHESTER
sp
THEY'RE
sp
CHEAP
sp
YEAH
HAVE
YOU
TRIED
THEM
WELL
TH
sp
THEY'RE
CHEAP
I
ONLY
GOT
ONE
sp
PACKET
COS
THEY'RE
sp
CHEAP
IN
GATEWAY
AND
I
THOUGHT
WELL
IF
IF
sp
THEY'RE
ALRIGHT
MIGHT
JUST
sp
GO
ON
THEM
THEN
sp
YEAH
THESE
ARE
GETTING
RIDICULOUS
sp
PRICES
WELL
THEY
ARE
AREN'T
THEY
I
AGREE
WITH
YOU
sp
SO
I'M
I
sp
THOUGHT
sp
WE'LL
sp
TRY
THEM
DORCHESTER
sp
YEAH
NEVER
sp
SEEN
THEM
sp
BEFORE
YEAH
HOW
MUCH
WERE
THEY
ANYWAY
ONE
SIXTY
SEVEN
sp
YEAH
KINGSIZE
AND
ONE
sp
SIXTY
SIX
ORDINARY
THOUGHT
YOU
MIGHT
AS
WELL
HAVE
THE
KINGSIZE
YEAH
WON'T
SMOKE
AS
MANY
IF
THEY'RE
BIGGER
{LG}
sp
NO
sp
IF
THEY'RE
ALRIGHT
ANN
sp
THAT'S
IT
IF
THEY'RE
ALRIGHT
sp
YEAH
sp
{OOV}
sp
TOMORROW
HA
I
sp
PUT
sp
ON
THIS
sp
AS
sp
THIS
sp
ROSE
sp
BLOSSOMS
sp
EACH
YEAR
HOPE
YOU
WILL
sp
TOO
sp
AND
REMEMBER
THIS
sp
DAY
WITH
sp
JOY
DO
YOU
THINK
sp
THAT'S
sp
ALRIGHT
DO
YOU
THINK
THAT'S
DAFT
sp
YEAH
LOVELY
NO
sp
I
DON'T
KNOW
WHETHER
TO
TAKE
sp
IT
sp
WITH
sp
ME
YOU
ARE
COMING
TOMORROW
NIGHT
COS
I'M
GON
NA
TELL
{OOV}
OH
YEAH
MM
sp
YOU
sp
KNOW
sp
YEAH
sp
WE'RE
DEFINITELY
COMING
YEAH
WE'RE
BOOKED
sp
IN
sp
YOU
DON'T
HAVE
TO
COME
sp
TOO
EARLY
ONLY
sp
I'VE
GOT
TO
sp
GO
AT
QUARTER
sp
TO
SEVEN
sp
BUT
I
MEAN
YOU
DON'T
WELL
WE'LL
BE
HERE
sp
OH
HERE'S
{OOV}
OH
HERE
sp
{OOV}
sp
YOU
SAID
THREE
sp
O'CLOCK
sp
NO
IT'S
sp
FIVE
sp
TO
NO
I
SAID
{OOV}
OH
sp
{OOV}
sp
SUE
sp
PARDON
sp
{OOV}
sp
SUE
YEAH
sp
OH
ENOCH
'S
STAYING
AND
OH
THEY'RE
NOT
WAITING
I'D
BETTER
GO
sp
I'LL
LEAVE
YOU
TO
IT
THEN
I'LL
HEAR
ALL
THE
GEN
TOMORROW
THEN
YEAH
sp
WE
sp
WE'LL
STILL
BE
WE
WON'T
BE
GOING
WE'LL
BE
STAYING
HERE
sp
ISN'T
NO
POINT
IN
GOING
HOME
sp
UNLESS
YOU
WAN
NA
GO
HOME
AND
GET
WASHED
sp
AND
CHANGED
DO
sp
YOU
MIGHT
sp
AS
WELL
STAY
HERE
AND
GET
sp
WASHED
AND
CHANGED
{OOV}
MIGHT
AS
WELL
sp
BRING
CLOTHES
AND
GET
READY
HERE
AND
sp
NO
sp
POINT
sp
IS
sp
THERE
NO
NO
NO
sp
POINT
sp
IS
sp
THERE
MIGHT
AS
WELL
sp
BRING
THE
CLOTHES
sp
AND
STAY
HERE
AS
sp
GO
HOME
sp
ALL
THE
WAY
HOME
AND
ALL
THE
sp
WAY
sp
BACK
AGAIN
sp
MIGHTN'T
I
sp
MHM
sp
I'VE
sp
GOT
sp
HER
PRESSY
sp
HERE
BUT
I
sp
THINK
sp
I
DON'T
THINK
I'LL
GIVE
sp
IT
TILL
sp
TOMORROW
NIGHT
I
WAS
sp
JUST
sp
THINKING
YOU
KNOW
SHE'LL
HAVE
THAT
MANY
sp
THINGS
sp
TO
DO
sp
TODAY
WON'T
sp
SHE
YES
sp
SO
I
THINK
sp
I'LL
GIVE
IT
sp
TOMORROW
NIGHT
COME
IN
SO
I
sp
FEEL
A
BIT
THIS
IS
SUE
sp
MRS
sp
{GAP_ANONYMIZATION}
HELLO
THIS
IS
ANN
sp
AND
THAT'S
STUART
ON
YOUR
OWN
WELL
I
sp
KNOW
sp
STUART
WELL
IT'S
SO
NICE
TO
sp
MEE
MRS
sp
{GAP_ANONYMIZATION}
sp
OH
sp
VERY
PLEASED
TO
MEET
YOU
OH
YES
IT'S
VERY
NICE
TO
sp
MEET
YOU
YES
sp
YES
sp
YOU
HAVE
MET
sp
HIM
sp
HAVEN'T
sp
YOU
YES
UNFORTUNATELY
SHE
sp
SAYS
sp
OH
sp
NO
sp
THAT
IS
{OOV}
sp
SO
I'VE
HAD
sp
TWO
INJECTIONS
sp
WHAT
sp
FOR
sp
WELL
THEY
GIVE
YOU
ONE
DON'T
THEY
sp
IN
YOUR
sp
BLOODSTREAM
sp
SO
THEY
CAN
sp
HAVE
sp
A
DEEP
sp
SCAN
sp
WELL
WHAT
ARE
THEY
SCANNING
THEN
sp
MY
BACK
sp
YOUR
BACK
YOUR
BACK
YEAH
sp
WHAT
ARE
THEY
DOING
THAT
FOR
IT'S
MY
LAST
sp
ONE
OH
TO
SEE
WHETHER
YOUR
THINGS
ARE
ALL
IN
PLACE
I'M
sp
GOING
BACK
sp
YEAH
OH
I
SEE
SO
sp
AND
THEN
THEY
GAVE
ME
AN
INJECTION
IN
THE
BACK
sp
OOH
COS
I'VE
GOT
sp
A
sp
BIT
ER
MY
sp
BLOOD'S
sp
A
BIT
sp
THICK
sp
ROUND
sp
THE
SCAR
sp
SO
{OOV}
DISPERSE
sp
THE
sp
BLOOD
UGH
SOUNDS
{OOV}
YOU'RE
NOT
SO
YOU'RE
NOT
FEELING
SO
GOOD
sp
GLAD
sp
WHEN
IT'S
ALL
OVER
EH
{LG}
sp
BE
sp
GLAD
WHEN
IT'S
ALL
OVER
YEAH
THAT'S
RIGHT
TO
sp
BE
QUITE
HONEST
I
sp
COULD
JUST
sp
GO
TO
sp
BED
AND
{OOV}
WELL
WHY
DON'T
WHY
DON'T
YOU
GO
THEN
NO
sp
DON'T
sp
BOTHER
COMING
OUT
THERE
sp
THEN
I
WON'T
SLEEP
TONIGHT
THEN
JEAN
EH
sp
IF
I
SLEEP
DURING
THE
DAY
I
DON'T
SLEEP
AT
sp
NIGHT
WELL
THAT'S
TRUE
BUT
MAYBE
YOU
KNOW
AND
sp
IF
YOU'VE
TO
DRINK
SHE
MAYBE
YOU
SHOULDN'T
DRINK
SHERRY
sp
ON
sp
TOP
sp
OF
WHAT
YOU'VE
HAD
INJECTED
INTO
YOU
OH
I
KNOW
I
SHAN'T
HAVE
ANY
sp
DRINK
sp
AND
MY
sp
FEET
sp
KEEP
SWELLING
sp
UP
sp
I'VE
GOT
MY
SHOES
ON
NOW
sp
BUT
I
sp
COULDN'T
DO
THEY
YEAH
BUT
THEY
sp
DON'T
KNOW
WHAT'S
sp
THE
MATTER
sp
WITH
THEM
OH
DON'T
KNOW
WHY
sp
THEY
KEEP
SWELLING
UP
OH
CRIKEY
sp
OH
sp
DEAR
sp
OTHERWISE
YOUR
ER
{OOV}
OTHERWISE
SHE'S
ALRIGHT
OTHERWISE
sp
SHE'S
ALRIGHT
YEAH
{LG}
I'LL
sp
GET
ME
COAT
sp
YEAH
OTHERWISE
sp
I'M
sp
YEAH
sp
WELL
sp
MMMMMMM
sp
NOT
A
FIT
BUT
NO
NO
sp
NOT
A
ONE
BUT
sp
GETTING
sp
THERE
sp
GETTING
THERE
sp
YEAH
SLOWLY
sp
BUT
sp
SURELY
sp
YEAH
NO
sp
WORK
sp
SO
sp
{LG}
sp
LET'S
sp
HOPE
THEY
SOON
GET
YOU
SORTED
OUT
MM
sp
WELL
THEY'VE
SORTED
MY
BACK
OUT
MM
YEAH
I
sp
HAD
sp
MY
sp
DISC
REMOVED
sp
BUT
sp
TOOK
sp
TWO
sp
OPERATIONS
sp
BUT
SAY
IT'LL
sp
TAKE
sp
YOU
A
WHILE
sp
WON'T
IT
TO
WELL
I
sp
HAD
MY
FIRST
OPERATION
sp
TWENTIETH
OF
AUGUST
sp
THEN
sp
I
HAD
ANOTHER
sp
ONE
THE
sp
SECOND
sp
OF
sp
OCTOBER
sp
MM
sp
BUT
AT
LEAST
I
HAVEN'T
GOT
NO
PAIN
sp
ANYWAY
sp
SO
sp
DO
THEY
THINK
YOU'LL
BE
ABLE
TO
GO
BACK
TO
WORK
sp
YEAH
SIX
sp
MONTHS
sp
SIX
sp
MONTHS
sp
YEAH
FEBRUARY
sp
NEVER
sp
MIND
sp
EH
sp
MM
sp
THAT'LL
SOON
BE
HERE
THEN
YOU'LL
sp
HAVE
TO
sp
BE
CAREFUL
{OOV}
WON'T
YOU
BE
VERY
CAREFUL
sp
GET
sp
CHRISTMAS
AND
THAT
OVER
WITH
YEAH
OH
ASHLEY'S
sp
GOING
THIS
AFTERNOON
I
sp
KNOW
I
sp
MET
HIM
sp
BUT
ASHLEY
ISN'T
GOING
TOMORROW
sp
IS
HE
I
KNOW
SO
I
sp
HEAR
sp
I
MET
sp
HIM
sp
SHE'S
GOING
TOMORROW
BUT
HE'S
NOT
ALLOWED
IS
HE
YEAH
WHY
CAN'T
HE
COME
sp
HE'S
NOT
ALLOWED
HE
sp
TOLD
YOU
DIDN'T
HE
WELL
I
{OOV}
HE
TOLD
ME
HE
WASN'T
ALLOWED
TO
GO
{OOV}
NIGHTS
{OOV}
TOLD
HIM
THAT
ER
SEEING
HE'S
ON
THE
SICK
HE
WASN'T
ALLOWED
sp
TO
GO
{OOV}
HE'S
ONLY
COMING
FOR
AN
HOUR
sp
I
TELL
YOU
WHAT
HE
BET
I
BET
YOU
HE'S
SHITTING
sp
OH
sp
EXCUSE
sp
ME
SHITTING
sp
BRICKS
TODAY
WELL
YOU
KNOW
WHY
IT'S
EITHER
MAURICE
sp
{GAP_ANONYMIZATION}
sp
GOING
sp
TO
BE
THERE
OR
{OOV}
{GAP_ANONYMIZATION}
{OOV}
I
KNOW
{OOV}
sp
{GAP_ANONYMIZATION}
'S
THE
B
THE
BIG
BOY
sp
THEY'LL
YEAH
BUT
sp
THEY
DON'T
PROBABLY
BOTH
BE
sp
HERE
sp
WELL
IT
DON'T
LOOK
VERY
GOOD
ME
BEING
THERE
THEN
DOES
IT
OH
sp
THAT
DOESN'T
MATTER
sp
WELL
sp
THAT'S
WHAT
sp
THAT'S
WHAT
HIS
EXCUSE
sp
WAS
NEVER
sp
COS
HE'S
sp
NEVER
BEEN
IN
HERE
YEAH
BUT
HE
sp
TOLD
ME
HE
TOLD
ME
HE
TOLD
HE
SAID
sp
{GAP_ANONYMIZATION}
TOLD
HIM
sp
HIM
YES
sp
THAT
HE'S
sp
NOT
EVEN
TO
sp
PHONE
sp
THE
PLACE
THAT'S
sp
RIGHT
sp
{GAP_ANONYMIZATION}
TOLD
HIM
THAT
BECAUSE
sp
YEAH
BUT
WHY
DON'T
{GAP_ANONYMIZATION}
TELL
THE
GIRLS
WELL
EXACTLY
sp
BECAUSE
YOU
KNOW
WHAT
THEY'RE
UP
IN
THE
AIR
sp
AREN'T
THEY
sp
YEAH
{OOV}
CAN
sp
YOU
BELIEVE
IT
sp
MM
AND
WHY
sp
WHY
CAN'T
HE
PH
sp
THAT'S
RIDICULOUS
sp
ISN'T
IT
sp
I
SAID
OH
WELL
IF
HE
WANTS
sp
TO
KNOW
WHY
I'M
THERE
sp
AND
{OOV}
ME
sp
ARE
sp
YOU
OFF
sp
SICK
I
sp
SHALL
JUST
SHOW
HIM
A
sp
I'VE
GOT
PROOF
sp
THAT
I'VE
sp
BEEN
OFF
sp
SICK
sp
{LG}
{LG}
SHOW
HIM
sp
YOUR
SCAR
{LG}
I'VE
GOT
EIGHT
PINS
I
HAVE
sp
BUT
WELL
I
KNOW
YOU'RE
OFF
sp
BUT
I
MEAN
sp
THAT
sp
{OOV}
sp
YEAH
sp
BUT
sp
{GAP_ANONYMIZATION}
sp
HERE
THERE
ER
sp
YEAH
I
KNOW
BUT
AND
EVERYWHERE
ISN'T
HE
sp
WELL
IF
sp
IF
sp
{GAP_ANONYMIZATION}
sp
SAID
THAT
AND
HE
sp
HE
sp
HE
sp
HE
SHOULDN'T
HAVE
sp
SAID
IT
WELL
HE'S
IN
sp
TROUBLE
sp
NOW
I'VE
LOST
MY
sp
KEYS
sp
NO
I
HAVEN'T
HERE
THEY
ARE
I
MUSTN'T
sp
FORGET
MY
sp
KEYS
sp
NO
ERM
I
sp
MEAN
THAT'S
sp
S
BUT
HE'S
sp
HE'S
GON
sp
NA
FEEL
LIKE
A
RIGHT
sp
IT'LL
sp
BE
sp
FUNNY
TODAY
SUE
sp
IT
sp
WILL
sp
BE
sp
JOCKEYING
FOR
POSITION
sp
AH
sp
BUT
HE
ISN'T
sp
THERE
YET
IS
HE
sp
WHAT
sp
TODAY
sp
{OOV}
WILL
{GAP_ANONYMIZATION}
GO
sp
YOU
DON'T
THINK
HE
sp
WELL
IT
sp
IT'S
sp
GOT
sp
TA
BE
SEEN
TO
BELIEVE
sp
YOU
CAN'T
SAY
WELL
YEAH
THAT'S
TRUE
sp
UNTIL
HE
TURNS
UP
sp
NO
sp
CAN
sp
YOU
TRUE
sp
BUT
THE
THING
IS
sp
HE
HE'S
GON
NA
BE
EVER
SO
ISN'T
sp
HE
sp
HE'LL
BE
MAKING
EXCUSES
ALL
THE
WAY
ROUND
{OOV}
NO
sp
I'VE
GOT
TA
sp
GO
EH
sp
HE
sp
HE
WON'T
sp
BE
sp
THERE
LONG
IF
sp
HE
sp
DOES
sp
COME
WELL
THAT'S
IT
sp
THAT'S
IT
sp
BUT
sp
I
MEAN
IF
HE
DOESN'T
AND
SH
sp
I
MEAN
sp
WHY
SHOULDN'T
sp
YOU
I
MEAN
AFTER
{OOV}
ALL
THESE
YEARS
HERE
I
MEAN
YOU
CAN'T
sp
WELL
THAT'S
{OOV}
DO
sp
YOU
WAN
NA
SAY
CHEERIO
sp
YEAH
BYE
{OOV}
sp
BYE
sp
BYE
BYE
BYE
BYE
SEE
sp
YOU
SUE
YOU'LL
SEE
THEM
TOMORROW
TH
sp
THEY'RE
COMING
TOMORROW
YEAH
WE'LL
SEE
YOU
TOMORROW
{OOV}
SEE
YOU
TOMORROW
LOOK
{OOV}
sp
BUT
YOU
sp
KNOW
OH
YEAH
sp
WELL
THEY
SAID
WH
WHEN
WE
sp
LAST
SUNDAY
WEREN'T
IT
YEAH
WHEN
WE
CALLED
IN
I
WENT
IN
AND
PAID
MY
sp
MONEY
AND
THEY
sp
SAID
TO
ANN
sp
ISN'T
STUART
COMING
{LG}
AREN'T
YOU
COMING
YOU
KNOW
sp
{OOV}
BE
sp
SEEING
YOU
{OOV}
IN
sp
THE
OFFICE
DIDN'T
SHE
MM
SHE
NEARLY
BEGGED
US
sp
TO
sp
G
sp
NEARLY
WENT
DOWN
ON
HER
KNEES
TO
GET
US
TO
GO
DIDN'T
SHE
WELL
I'LL
SEE
YOU
TOMORROW
THEN
STUART
YEAH
ALRIGHT
sp
SUE
YEAH
WE'LL
SEE
YOU
THEN
sp
YEAH
sp
YEAH
SEE
YOU
TOMORROW
sp
YEAH
JUST
LOCK
UP
AND
sp
DO
WHAT
YOU
LIKE
TO
THE
CAT
YOU
CAN
EITHER
LEAVE
IT
IN
OR
OUT
YOU
KNOW
DON'T
{OOV}
sp
YEAH
sp
YEAH
sp
OKAY
OKAY
sp
CHEERIO
sp
TOODALOO
sp
YEAH
sp
SEE
ARE
YOU
COMING
ROUND
TOMORROW
AFTERNOON
STUART
YES
MUM
sp
YOU
WE'RE
NOT
GOING
sp
HE'S
BRINGING
HIS
CLOTHES
WE'RE
NOT
GOING
HOME
OH
AYE
YEAH
ANN
sp
ARE
YOU
BRINGING
YOURS
YEAH
WELL
THERE'S
NO
POINT
IN
GOING
HOME
NO
THAT'S
sp
TRUE
sp
THAT'S
sp
TRUE
sp
{OOV}
OKAY
sp
BYE
SEE
YOU
sp
BYE
SEE
YOU
TOMORROW
sp
THERE
sp
WE
sp
GO
IS
sp
THAT
BETTER
DEAR
sp
YEAH
sp
THAT'S
sp
LOVELY
SHALL
WE
HAVE
A
NICE
sp
CUP
OF
sp
TEA
sp
I
WAS
GASPING
ESPECIALLY
WHEN
THAT
sp
MAN
WAS
sp
RABBITTING
sp
YEAH
WHICH
I
DIDN'T
UNDERSTAND
ANY
OF
IT
sp
NO
PENSION
MORTGAGES
AND
THIS
sp
MORTGAGE
sp
AND
AND
HE
DIDN'T
REALLY
KNOW
HOW
ER
ER
sp
COS
THAT
THAT
sp
FOREIGN
sp
LUCY
OR
WHATEVER
HER
NAME
WAS
YEAH
THAT
sp
FOREIGN
LADY
WAS
sp
QUITE
AMUSED
SHE
WAS
LAUGHING
WHEN
YOU
WERE
ASKING
HIM
QUESTIONS
sp
{LG}
OH
AS
sp
IF
TO
sp
SAY
AH
sp
AH
sp
HE'S
NOT
SURE
WHAT
HE'S
DOING
sp
HE'S
GOT
SOMEBODY
HERE
WHO
KNOWS
sp
INSTEAD
sp
OF
JUST
SITTING
THERE
AND
sp
QUOTING
ALL
THESE
FIGURES
{OOV}
YEAH
AND
BLINDING
YOU
WITH
SCIENCE
sp
YEAH
sp
SOMEBODY
WHO
CAN
ASK
QUESTIONS
sp
AND
KNEW
WHAT
HE
WAS
TALKING
ABOUT
{LG}
sp
YEAH
sp
AND
SHE
WAS
GIGGLING
AWAY
SHE
KEPT
sp
RAISING
HER
EYEBROWS
AND
LAUGHING
sp
{LG}
sp
I
WAS
WATCHING
HER
WELL
I
COULDN'T
SEE
sp
HER
sp
COS
I
HAD
MY
sp
BACK
TURNED
sp
NO
YOU
HAD
YOUR
BACK
TO
HER
YEAH
sp
BUT
I
COULD
SEE
BEHIND
YOU
AND
SHE
sp
WAS
{LG}
sp
WELL
THERE
YOU
sp
ARE
sp
WHEN
sp
YOU
DO
sp
KNOW
A
BIT
ABOUT
IT
sp
YOU
YES
sp
YOU
sp
WANT
TO
KNOW
WELL
THAT'S
IT
YOU'RE
NOT
AND
YOU'RE
NOT
GON
NA
BE
BLINDED
BY
ALL
THESE
sp
LIKE
HE
WAS
WHAT
WAS
HE
SAYING
ABOUT
sp
ALL
ENDOWMENTS
ARE
ARE
NOT
sp
UNIT
THEN
YOU
WERE
SAYING
YES
THEY
ARE
AND
{LG}
I
DIDN'T
KNOW
WHAT
{OOV}
ON
ABOUT
sp
THERE
I
sp
I
sp
THINK
HE
GOT
HIS
{OOV}
SAID
THAT
OH
HE
KNEW
WHAT
HE
WAS
TALKING
ABOUT
BUT
sp
BUT
YOU
WERE
CONFUSING
HIM
BECAUSE
YOU
KNEW
sp
WHERE
HE'S
USED
TO
JUST
SITTING
THERE
AND
TELLING
BLAH
BLAH
BLAH
BLAH
AND
WELL
YOU
SEE
THE
THING
IS
THEY
THEY
THEY
AND
YOU
KNEW
WHAT
HE
WAS
ON
ABOUT
sp
THEY
sp
QUOTE
sp
THIS
sp
UNIT
sp
LINKED
sp
BUSINESS
NOW
sp
IT'S
sp
ALL
AND
YOU
DIDN'T
WANT
THAT
DID
YOU
WELL
AND
GOOD
A
UNIT
sp
LINKED
sp
POLICY
sp
BUT
AS
I
sp
SAID
TO
sp
YOU
sp
BEFORE
sp
THAT
IF
sp
THEY
IF
sp
THE
sp
MARKET
sp
CRASHES
sp
THE
DAY
sp
BEFORE
YOUR
POLICY
sp
IS
DUE
OUT
YOU
AND
YOU
HAVEN'T
GOT
ENOUGH
MONEY
sp
YOU
sp
COULD
YOU
sp
CAN
LOSE
A
TH
sp
I
DON'T
sp
WANT
sp
ONE
IF
THE
sp
MARKET
CRASHES
sp
THE
DAY
BEFORE
YOU
TAKE
YOUR
sp
POLICY'S
sp
DUE
sp
TO
MATURE
sp
WALLOP
sp
YOU
sp
CAN
sp
LOSE
A
LOT
OF
MONEY
sp
IN
sp
A
YOU
KNOW
JUST
sp
LIKE
sp
THAT
BUT
DO
YOU
THINK
THIS
sp
THING
WHAT
HE
WAS
ON
ABOUT
PENSION
sp
MORTGAGE
DO
YOU
THINK
THAT
WOULD
BE
sp
BETTER
sp
WAS
THAT
THAT
PEP
sp
THING
WHAT'S
ALL
IN
THE
PAPERS
AT
THE
MOMENT
sp
NO
IS
THAT
WHAT
IT
MEANS
PEP
'S
sp
DIFFERENT
OH
sp
IS
IT
SIMILAR
sp
PEP
'S
A
sp
PERSONAL
EQUITY
sp
PLAN
OH
sp
SORRY
WHICH
sp
IS
sp
DIFFERENT
sp
TO
BE
sp
PERFECTLY
HONEST
sp
IN
MY
sp
CURRENT
sp
SITUATION
MHM
sp
A
sp
PENSION
sp
MORTGAGE
sp
WOULD
sp
BE
MORE
sp
ADVANTAGEOUS
sp
WELL
sp
THAT'S
sp
THE
sp
MOST
IMPORTANT
sp
THING
ISN'T
IT
AT
sp
THE
sp
MOMENT
sp
BECAUSE
sp
WELL
I'M
NOT
IN
A
PENSION
sp
SCHEME
sp
AT
sp
WORK
sp
BUT
I
HAVE
GOT
AN
OPTION
sp
TO
GO
IN
IT
YEAH
IF
sp
I
sp
WANT
TO
sp
MHM
sp
ERM
sp
THE
sp
ONLY
sp
PROBLEM
sp
IS
sp
WELL
sp
EVEN
S
EVEN
NOT
SO
MUCH
NOW
sp
BECAUSE
sp
BECAUSE
sp
THE
ER
{OOV}
A
sp
BIT
BETTER
sp
BECAUSE
OF
THE
M
BECAUSE
OF
THE
WAY
PENSIONS
sp
AND
THAT
ARE
sp
ARE
sp
ORGANIZED
sp
NOW
THEY'RE
MORE
sp
FLEXIBLE
sp
NOW
sp
I
MEAN
sp
YOU
sp
CAN
sp
GO
TO
A
JOB
sp
BEFOREHAND
sp
IF
sp
IF
sp
IF
sp
YOUR
COMPANY
sp
HAD
A
PENSION
sp
SCHEME
sp
YOU
WERE
OBLIGED
TO
sp
GO
IN
IT
sp
THAT
WAS
IT
sp
ALL
YOUR
OTHER
ARRANGEMENTS
sp
WENT
UP
sp
WENT
THROUGH
THE
WINDOW
MM
sp
ERM
sp
SO
IT
IT
sp
IT
IT'S
DIFFICULT
sp
MM
I
KNOW
YOU
CAN
TAKE
THEM
ALONG
WITH
sp
YOU
NOWADAYS
CAN'T
YOU
AND
{OOV}
INTO
A
YOU
CAN
NOW
TAKE
NOW
NOW
NOW
YOU
CAN
TAKE
sp
THEM
sp
WITH
sp
YOU
sp
MM
WHERE
THEY
USED
TO
BE
sp
FROZEN
AND
THEN
YOU
STARTED
ANOTHER
ONE
WHEREVER
YOU
WENT
NEXT
TIME
THAT'S
RIGHT
sp
THAT'S
RIGHT
WHEREAS
NOW
{OOV}
AND
YOU
ENDED
UP
WITH
THREE
FOUR
D
SILLY
LITTLE
BITS
AND
PIECES
DIDN'T
YOU
sp
YEAH
YEAH
sp
WHEREAS
NOW
YOU
SEE
ALL
THE
THEY
sp
CAN
PUT
THEM
ALL
INTO
sp
ONE
sp
YEAH
I
KNOW
sp
YOU
CAN
TAKE
THEM
sp
WITH
sp
YOU
NOW
MM
sp
SO
sp
IN
A
WAY
I
THINK
AND
IT
WAS
A
LOT
LESS
MONEY
AS
WELL
WASN'T
sp
IT
I
MM
sp
YEAH
BUT
sp
THAT
W
DON'T
FORGET
IT
STARTED
THAT
WAS
SIXTY
sp
FIVE
sp
YEAH
{OOV}
sp
THE
QUOTATION
sp
HE
sp
GIVE
sp
WAS
SIXTY
sp
FIVE
AND
sp
AS
HE
SAID
sp
WHICH
IS
TRUE
THEY
DOUBLE
EVERY
sp
FIVE
sp
YEARS
PARTICULARLY
IN
sp
THE
LATER
sp
YEARS
sp
THERE'S
sp
YOU
KNOW
MM
sp
MORE
AND
THAT'S
WHY
I
SAID
sp
WHEN
IT
SOUNDED
sp
SO
sp
LOW
sp
THAT'S
sp
WHY
I
sp
I
sp
STILL
DOUBT
HIS
FIGURES
sp
I
STILL
THINK
TWO
sp
HUNDRED
POUND
A
sp
MONTH
A
THIRTY
sp
THOUSAND
sp
POUND
MORTGAGE
IT'S
TOO
LOW
AND
AND
A
CASH
SUM
AT
THE
END
OF
IT
STILL
THINK
sp
IT'S
LOW
sp
SEEMS
QUITE
sp
DOESN'T
SEEM
A
LOT
DOES
sp
IT
NO
sp
I'M
PRETTY
sp
CERTAIN
AND
WOULD
YOU
STILL
HAVE
TO
HAVE
AN
INSURANCE
ON
TOP
OF
THAT
sp
YOU
HAVE
TO
HAVE
TERM
ASSURANCE
sp
SO
YOU'D
STILL
HAVE
TO
HAVE
sp
YOU'D
HAVE
YOU'D
HAVE
THE
sp
TWO
HUNDRED
POUND
AND
THEN
YOU'D
HAVE
A
LIFE
sp
INSURANCE
ON
TOP
NO
NO
NO
sp
NO
THAT
sp
WAS
IT
TWO
HUNDRED
sp
AND
TWELVE
POUND
THE
WHOLE
LOT
sp
THE
WHOLE
sp
LOT
sp
WELL
WHY
DOESN'T
EVERYBODY
HAVE
THEM
THEN
sp
BECAUSE
sp
NOT
EVERYBODY'S
ELIGIBLE
sp
FOR
sp
THEM
I
KNOW
BUT
THEY
DIDN'T
HE
DIDN'T
sp
SUGGEST
IT
sp
TO
YOU
OR
sp
WHY
DOESN'T
HE
sp
SAY
WELL
THERE
IS
THIS
sp
ER
ER
sp
YOU
SAID
THAT
HE
DIDN'T
sp
AND
HE
MUST
HAVE
KNOWN
THAT
THEY'RE
GON
NA
BE
CHEAPER
SO
WHY
DOESN'T
HE
ADVISE
sp
PEOPLE
WHO
ARE
STARTING
OUT
sp
TO
TAKE
ONE
OF
THEM
sp
DIDN'T
ASK
{OOV}
RATHER
THAN
A
DIDN'T
sp
ASK
THE
sp
QUESTIONS
sp
I
KNOW
EXACTLY
BUT
SURELY
THAT'S
HE
DIDN'T
HE
HIS
JOB
IF
HE'S
TRYING
TO
FIND
YOU
THE
CHEAPEST
HE'S
NOT
DOING
HIS
sp
JOB
sp
BASICALLY
EXACTLY
sp
HE'S
sp
NOT
sp
DOING
HIS
sp
JOB
sp
BECAUSE
sp
A
YOUNG
COUPLE
GOING
IN
sp
WELL
EVEN
IN
OUR
SITUATION
YOU
HAVEN'T
GOT
MUCH
MONEY
AND
YOU
WANT
THE
CHEAPEST
THING
FOR
THE
BEST
sp
WE
sp
YOU
KNOW
sp
BUT
HE
NEVER
SUGGESTED
IT
YOU
SAID
sp
WHAT
ABOUT
A
COMPANY
sp
WHAT
ABOUT
sp
A
A
PENSION
MORTGAGE
AND
HE
HE
DIDN'T
sp
HE
HE
sp
DIDN'T
ASK
THE
sp
QUESTION
sp
WHICH
HE
SHOULD
HAVE
ASKED
sp
MM
EXACTLY
sp
YEAH
BECAUSE
IT
IS
CHEAPER
AND
YOU
sp
SEE
THE
THING
IS
sp
YOU
SEE
I
MEAN
sp
WH
WH
sp
WHEN
THIS
sp
LAW
CAME
OUT
LAUTRO
AND
ALL
THAT
sp
BUSINESS
sp
CAME
sp
OUT
sp
THAT
sp
AND
sp
BEST
ADVICE
AND
sp
ALL
THIS
SORT
sp
OF
THING
sp
YOU
sp
HAD
sp
TO
GO
THROUGH
ALL
sp
THE
FINANCES
AND
sp
WHAT
PEOPLE
EARNED
AND
ALL
THAT
sp
SORT
OF
sp
THING
sp
WHAT
THEY'VE
GOT
sp
INSURANCE
sp
ALREADY
sp
ERM
SO
ON
AND
sp
SO
FORTH
sp
AND
sp
ARRANGE
sp
AROUND
sp
THOSE
CIRCUMSTANCES
THE
BEST
sp
ADVICE
sp
PACKAGE
MM
BUT
HE
DIDN'T
ASK
sp
ME
sp
THE
sp
QUESTIONS
HE
JUST
HE
sp
JUST
sp
HE
JUST
NO
HE
JUST
COULD
DO
AN
ENDOWMENT
ONE
AND
THAT
WAS
IT
sp
HE
JUST
sp
ASSUMED
IT
sp
WAS
GON
NA
BE
sp
AN
AN
ENDOWMENT
sp
POLICY
sp
AND
ENDOWMENT
MORTGAGE
sp
AND
sp
THAT
WAS
IT
HE
DIDN'T
TELL
YOU
ANYTHING
ELSE
NO
sp
WELL
sp
YOU
SEE
WHEN
HE
SAID
sp
YOUR
sp
BASE
sp
IS
GON
NA
BE
I
KNOW
A
HUNDRED
AND
TWO
sp
HUNDRED
NINETY
SIX
AND
FIFTEEN
POUNDS
OR
sp
WHATEVER
TWO
sp
HUNDRED
AND
sp
FIVE
AND
THEN
sp
THAT
ON
A
NINETY
SIX
AND
THEN
A
PERCENT
I
COULD
GET
YOU
A
PERCENT
OFF
sp
AS
A
FIRST
TIME
sp
BUYER
sp
MM
sp
THAT
sp
BRINGS
IT
DOWN
TO
A
HUNDRED
sp
AND
NINETY
sp
SIX
sp
FOR
THE
FIRST
YEAR
sp
THEN
IT
GOES
BACK
sp
UP
sp
TO
THE
BASE
RATE
YEAH
NOT
I
KNOW
ALL
sp
THAT'S
sp
THAT'S
OBVIOUS
sp
THAT'S
QUITE
sp
CLEAR
MM
BUT
sp
THEN
WHEN
HE
SAID
sp
TWO
HUNDRED
sp
AND
sp
ONE
sp
POUNDS
sp
FOR
A
sp
PENSION
MORTGAGE
I
sp
THOUGHT
WELL
IF
A
sp
HUNDRED
sp
AND
NINETY
THAT'S
ONLY
FIVE
POUND
A
MONTH
TO
EARN
YOUR
PENSION
{LG}
IF
A
HU
IF
A
HUNDRED
AND
NINETY
SIX
IS
ONLY
YOUR
BASE
HOW
sp
COME
YOU
DON'T
THAT
GIVES
YOU
FIVE
POUND
A
MONTH
TOWARDS
YOUR
PENSION
WHICH
IS
NOTHING
IS
IT
HOW
DO
YOU
GET
TWO
HOW
DO
YOU
GET
TWO
HUNDRED
AND
sp
ONE
sp
POUNDS
OR
sp
TWO
HUNDRED
AND
FIFTEEN
POUNDS
AND
sp
WHAT
sp
WITH
sp
BECAUSE
sp
OF
sp
THE
sp
TERM
sp
ASSURANCE
sp
ON
TOP
sp
THAT'S
sp
FOURTEEN
POUNDS
A
MONTH
TERM
sp
ASSURANCE
sp
QUITE
HIGH
I
sp
THINK
{XX}
WHAT'S
TERM
ASSURANCE
sp
DON'T
UNDERSTAND
THAT
sp
TERM
sp
ASSURANCE
sp
IS
sp
LIFE
sp
INSURANCE
JUST
ON
LIFE
ONLY
WITH
NO
sp
CASH
SUM
AT
sp
THE
END
WELL
IF
YOU
DIED
sp
YOU'D
sp
BE
DEAD
sp
WELL
THAT'S
sp
FAIR
ENOUGH
sp
ISN'T
sp
IT
YOU
WOULDN'T
WANT
ANYTHING
ELSE
BUT
ER
THROUGHOUT
sp
THROUGHOUT
THE
TERM
sp
OF
MY
LIFE
AND
sp
IF
sp
YOU
DIED
THE
{OOV}
WOULD
sp
BE
PAID
IF
I
DIED
A
LUMP
sp
SUM
sp
OF
sp
THIRTY
sp
THOUSAND
sp
POUNDS
IS
sp
PAYABLE
sp
THAT'S
sp
IT
YOU'D
PAY
sp
{OOV}
BUT
I
THINK
sp
FOURTEEN
POUNDS
A
MONTH
IS
QUITE
HIGH
TERM
ASSURANCE
I'M
sp
TEMPTED
I'M
I'M
I'M
TEMPTED
TO
HAVE
A
WORD
sp
WITH
MICK
{OOV}
sp
WHAT
AND
sp
ARRANGE
sp
YOUR
sp
OWN
sp
WELL
OR
HE'D
JUST
TELL
YOU
sp
WELL
I
sp
WHETHER
I
I
DON'T
KNOW
WHETHER
HE
WOULD
OR
WHETHER
sp
HE
sp
WOULDN'T
I
MEAN
sp
HE
sp
MIGHT
HE
sp
MIGHT
sp
NOT
BUT
sp
THEN
AGAIN
sp
HE
sp
MIGHT
sp
HE
MIGHT
IF
sp
I
sp
IF
sp
I
TALK
sp
TO
HIM
sp
HE
sp
MIGHT
sp
TELL
sp
ME
WHAT
sp
SORT
OF
I
DON'T
WANT
TO
sp
HASSLE
HIM
YOU
SEE
COS
I'VE
HASSLED
sp
NO
THAT'S
IT
HIM
BEFORE
{OOV}
NOT
ON
sp
THAT
sp
SORT
OF
THING
BUT
OTHER
sp
THINGS
sp
AS
WELL
SORT
sp
OF
sp
THING
sp
AND
sp
I
sp
DON'T
sp
WAN
NA
I'D
LIKE
TO
KNOW
MM
I'D
sp
LIKE
sp
TO
KNOW
sp
BEFORE
sp
YOU
KNOW
YOU'VE
GOT
TO
GET
THE
RIGHT
DEAL
YEAH
sp
I
I
DID
sp
TWO
HUNDRED
AND
ONE
POUND
A
MONTH
sp
OR
TWO
HUNDRED
AND
sp
FIFT
OKAY
IT
SOUNDS
sp
CHEAP
sp
BUT
sp
I
DON'T
sp
KNOW
FOURTEEN
POUND
sp
A
MONTH
sp
JUST
sp
FOR
LI
sp
THIRTY
sp
THOUSAND
POUND
sp
LIFE
COVER
sp
OVER
SUPPOSE
sp
IT'S
THE
sp
YEAH
BUT
THAT'S
NOT
THAT
MUCH
A
WE
sp
I
SUPPOSE
IT'S
THE
TERM
OF
YEARS
IT'S
ONLY
THREE
QUID
A
M
A
WEEK
sp
YEAH
BUT
I
SUPPOSE
IT'S
sp
THE
TERM
OF
sp
YEARS
AS
WELL
YOU
SORT
OF
sp
TO
sp
SIXTY
sp
FIVE
sp
RATHER
sp
THAN
AT
SIXTY
WELL
THAT'S
sp
IT
sp
SO
THAT
sp
PROBABLY
sp
MAKES
IT
BUT
I
SAY
WITHOUT
HAVING
ME
OWN
sp
BOOK
sp
TO
sp
CHECK
IT
I
sp
CAN'T
sp
MM
I
CAN'T
sp
TELL
sp
YOU
YOU
SEE
YOU
CAN
YOU
GET
sp
A
LOT
sp
YOU
CAN
sp
GET
TAX
sp
RELIEF
OFF
sp
THAT
OR
sp
YOU
USED
TO
BE
ABLE
sp
TO
GET
TAX
RELIEF
WELL
HE
SAID
YOU
COULD
GET
TAX
RELIEF
ON
THE
WHOLE
LOT
ON
THE
WHOLE
LOT
sp
YEAH
sp
THAT'S
WHAT
HE
SAID
AT
sp
TWENTY
FIVE
sp
PERCENT
AT
TWENTY
FIVE
sp
PERCENT
sp
I
sp
THINK
sp
YOU
sp
STILL
I'M
NOT
SURE
sp
WHETHER
sp
THEY'VE
sp
CHANGED
sp
THE
LAW
ROUND
OR
NOT
sp
COS
sp
THEY
sp
WELL
THAT'S
WHAT
HE
SAID
DIDN'T
HE
YEAH
sp
ER
sp
YOU'D
BE
HANDY
FOR
A
sp
A
sp
TAX
sp
RELIEF
ON
sp
THE
WHOLE
LOT
RATHER
THAN
sp
JUST
sp
YEAH
sp
PART
sp
OF
IT
COS
THAT
sp
{OOV}
YOU
sp
SEE
sp
IF
YOU
sp
IF
sp
YOU
sp
IF
YOU
sp
COULD
LINK
UP
sp
LIFE
sp
ASSURANCE
sp
TO
sp
YOUR
PENSION
YOU
sp
COULD
sp
GET
TAX
sp
RELIEF
ON
sp
YOUR
LIFE
sp
ASSURANCE
sp
YOU
sp
SEE
sp
MM
WHICH
MAKES
IT
ADVANTAGEOUS
sp
BECAUSE
THERE'S
NO
TAX
sp
RELIEF
sp
ON
LIFE
sp
POLICIES
sp
NOW
AS
sp
THERE
WAS
sp
THERE
USED
TO
BE
YEAH
THERE
USED
TO
BE
BUT
sp
THERE
IS
NO
BUT
THEY
STOPPED
IT
sp
THERE
IS
sp
THEY
STOPPED
IT
THERE
sp
ISN'T
ANY
sp
MORE
MM
NO
I'M
sp
SORT
OF
I
sp
THINK
HE
CONFUSED
HIMSELF
AS
sp
WELL
AS
sp
CONFUSING
ME
SLIGHTLY
sp
{OOV}
YEAH
BE
BECAUSE
YOU
sp
YOU
CONFUSED
HIM
sp
YEAH
sp
BECAUSE
YOU
KNEW
sp
MM
RATHER
THAN
SOMEBODY
AS
I
SAY
LIKE
ME
WHO
SAT
DOWN
THERE
AND
HE'D
JUST
QUOTE
ALL
THESE
sp
FIGURES
AND
YOU
WOULDN'T
KNOW
WHAT
THE
HELL
HE
WAS
ON
ABOUT
AND
JUST
sp
ALL
sp
YOU
ALL
I
WOULD
UNDERSTAND
AT
THE
END
IS
sp
THAT'S
WHAT
YOU
GOT
TA
PAY
sp
MM
sp
{LG}
sp
WHICH
IS
WHAT
MOST
PEOPLE
sp
THAT
GO
IN
THERE
ARE
sp
INTERESTED
sp
IN
sp
WELL
THEY
WOULDN'T
UNDERSTAND
ALL
THE
REST
sp
THIS
sp
PLAN
THAT
sp
PLAN
THE
OTHER
PLAN
THEY
ONLY
KNOW
WELL
sp
YOU
EITHER
HAVE
THIS
OPTION
PAYING
THIS
AMOUNT
THAT
OPTION
PAYING
THAT
AMOUNT
OR
THAT
OPTION
PAYING
THAT
AMOUNT
AND
WHICH
ONE
DO
YOU
WANT
sp
TO
sp
HAVE
MM
AND
AND
YOU
DON'T
UNDERSTAND
ANY
OF
THE
REST
OF
IT
sp
NO
NO
sp
YOU
JUST
SIT
THERE
sp
MM
YEAH
MM
sp
NO
MM
sp
WELL
THAT'S
THE
CHEAPEST
sp
THAT'S
THE
DEAREST
sp
AND
sp
AND
TAKE
THEIR
ADVICE
WHICH
ONES
THE
BEST
FOR
sp
YOU
AND
HAVE
IT
sp
AND
THAT'S
ER
THAT'S
ALL
sp
NORMAL
sp
PEOPLE
WHO
DON'T
UNDERSTAND
ANY
OF
IT
sp
THAT'S
sp
THE
WAY
THEY'D
sp
GO
ABOUT
IT
ISN'T
IT
sp
YEAH
sp
YOU'D
JUST
ACCEPT
WHATEVER
WAS
SEE
sp
THE
OTHER
sp
THING
I
DON'T
KNOW
WELL
NO
I'M
sp
NOT
sp
SURE
sp
YOU
sp
CAN
sp
NOW
sp
SEE
IF
I
TOOK
A
sp
PENSION
sp
MORTGAGE
OUT
IT
WOULD
sp
BE
LINKED
sp
TO
ME
sp
LUMPED
sp
INTO
sp
ME
sp
CURRENT
sp
PENSION
CONTRACT
COS
I'VE
sp
ALREADY
GOT
A
PENSION
sp
SCHEME
sp
RUNNING
sp
COS
I'VE
CONTRACTED
OUT
OF
SERPS
AND
sp
ALSO
GOT
ERM
ERM
sp
WHAT
sp
USED
sp
TO
BE
sp
CALLED
sp
{OOV}
SEVENTY
SEVEN
sp
{LG}
sp
YES
STUART
ERM
sp
A
sp
FROZEN
PENSION
sp
WITH
THE
PRU
YEAH
sp
LINKED
IN
WITH
IT
AT
sp
THE
MOMENT
sp
THAT'S
sp
THAT'S
sp
THAT'S
sp
MY
sp
PENSION
ARRANGEMENTS
AT
sp
THE
sp
MOMENT
sp
MM
sp
MM
sp
SO
I'M
TEMPTED
ER
IF
sp
I'M
sp
GON
NA
DO
A
PENSION
sp
{OOV}
I
TELL
YOU
WHAT
YOU
WA
WHO
YOU
WAN
NA
GO
AND
SEE
sp
WHO
I
SAW
WHEN
I
BOUGHT
sp
THE
sp
HOUSE
sp
AT
ER
sp
THING
sp
NOW
HE
WAS
sp
I
KNOW
HE
BLINDED
ME
WITH
SCIENCE
BUT
HE
sp
WA
sp
HE
sp
WAS
sp
REALLY
VERY
sp
GOOD
AND
HE
HAD
HIS
COMPUTER
sp
THERE
AND
HE
sp
WENT
sp
THROUGH
ALL
THESE
DIFFERENT
SOCIETIES
AND
PLANS
sp
WELL
THAT'S
WHAT
HE'S
sp
DONE
YOU
sp
SEE
THAT'S
sp
WHAT
HE'S
sp
DONE
NO
BUT
HE
HAD
I
MEAN
HE
HAD
A
SCREEN
AND
ER
sp
MM
AND
THAT
WAS
sp
THAT'S
ALONG
NEAR
MAXIE
'S
sp
NEAR
THE
sp
POST
OFFICE
sp
BUT
IT'S
A
sp
YEAH
I
sp
SAW
HIM
sp
OH
sp
THE
ERM
THE
sp
SCOTS
CHAP
ER
WHAT'S
sp
HIS
sp
NAME
OH
AND
HE
WAS
SMASHING
sp
AND
HE
EXPLAINED
IT
ALL
TO
ME
OH
I
sp
CAN'T
THINK
OF
HIS
NAME
NOW
I
I
I
HAVE
HAD
DEALINGS
WITH
HIM
HE
HE
EXPLAINED
IT
ALL
sp
YEAH
sp
AND
ALTHOUGH
THERE
WAS
ALL
THESE
sp
FIGURES
AND
ER
sp
AND
HE
EXPLAINED
sp
WHAT
WAS
BEST
I
MEAN
HE
WAS
sp
PURELY
A
FINANCIAL
I
MEAN
HE
HE
sp
AS
HE
sp
SAID
WHEN
WE
WENT
IN
sp
COS
sp
IT
DOESN'T
MAKE
NO
DIFFERENCE
I
I
I'M
NOT
sp
ATTACHED
TO
ANYTHING
sp
I'M
HERE
TO
NO
BUT
NOR
'S
HE
sp
I
AM
HERE
TO
GIVE
YOU
ADVICE
sp
THAT'S
sp
IT
sp
AND
THAT'S
IT
sp
INDEPENDENT
sp
FINANCIAL
ADVICE
sp
AND
AND
THEREFORE
sp
I'M
NOT
HERE
TO
sp
SELL
YOU
THIS
OR
THAT
sp
I'M
sp
HERE
PURELY
TO
FIND
OUT
sp
YOU
WANT
TO
BUY
THIS
COUNCIL
HOUSE
sp
AND
sp
AND
sp
AND
I'M
sp
HERE
sp
PURELY
TO
sp
FIND
OUT
YOUR
CIRCUMSTANCES
AND
sp
AND
WHAT
WOULD
sp
BE
THE
BEST
DEAL
sp
FOR
YOU
THAT'S
RIGHT
sp
AND
HE
WENT
I
MEAN
I
WAS
THERE
sp
FOR
BLOOMING
AGES
sp
AND
HE
WENT
sp
THROUGH
sp
EVERYTHING
sp
TILL
HE
sp
FOUND
OUT
sp
AND
IT
WA
I
DIDN'T
HAVE
THE
sp
ABS
sp
THE
ABSOLUTE
sp
CHEAPEST
sp
ONE
sp
COS
HE
DIDN'T
sp
THINK
THAT
WAS
A
sp
BECAUSE
STEVEN
WAS
sp
DISABLED
AND
THAT
sp
AS
sp
WELL
AND
ON
MY
MONEY
AND
ONE
sp
THING
AND
ANOTHER
sp
YEAH
sp
AND
AND
sp
ONE
sp
THING
AND
ANOTHER
sp
BUT
sp
ER
sp
IT
sp
I
MEAN
MI
MINE
ENDED
UP
WITH
THE
BRADFORD
AND
BINGLEY
I
MEAN
sp
YEAH
WELL
THEY'RE
AGENTS
sp
FOR
BRADLEY
sp
BRADFORD
sp
AND
sp
BINGLEY
sp
{OOV}
YEAH
I
KNOW
BUT
HE
DID
SAY
THAT
EVEN
sp
THOUGH
AGENTS
I'M
NOT
sp
GIVING
YOU
THIS
sp
AND
THEN
HE
SHOWED
ME
ALL
THE
sp
THINGS
sp
YOU
KNOW
sp
TO
SORT
OF
PROVE
THAT
HE
WAS
sp
DOING
IT
BUT
THAT'S
WH
sp
OH
YEAH
THAT'S
WHO
I
HAD
sp
YEAH
IT
DOESN'T
MATTER
WHAT
BUILDING
sp
SOCIETY
YOU
GO
TO
NO
WELL
THAT'S
WHAT
HE
SAID
IT
sp
DOESN'T
sp
BUT
I
MEAN
sp
HE
WENT
THROUGH
ALL
THESE
AND
INSURANCE
sp
COMPANIES
AND
BECAUSE
OF
MY
sp
KIDNEY
BEING
REMOVED
sp
I
HAD
TO
sp
PAY
sp
I
HAD
TO
PAY
HIGHER
sp
EVEN
THOUGH
I
DIDN'T
HAVE
TO
HAVE
A
BLOODY
sp
MEDICAL
sp
BUT
sp
I
HAD
TO
sp
PAY
sp
HIGH
BECAUSE
OF
sp
MY
sp
YEAH
sp
MEDICAL
CONDITION
BECAUSE
I'D
sp
HAD
MEDICAL
YEAH
IT
WAS
COS
I'D
HAD
ALL
THESE
OPERATIONS
YOU
KNOW
YOU
HAD
TO
PUT
sp
HOW
MANY
OPERATIONS
HAVE
sp
YOU
HAD
IN
THE
LAST
sp
TEN
YEARS
AND
sp
HAVE
sp
ARE
YOU
ER
sp
RECEIVING
ANY
TREATMENT
AND
ALL
sp
THAT
BLOODY
BLAH
BLAH
sp
BLAH
sp
AND
SO
MINE
sp
MINE
WAS
sp
HIGHER
sp
YEAH
sp
THAN
ER
sp
THAN
sp
OTHER
PEOPLES
sp
WHICH
sp
IS
sp
WHY
HE
WENT
TO
ALL
THESE
BLOODY
sp
QUOTES
SEE
THE
THING
YEAH
AS
I
SAY
THE
THING
THE
THING
IS
AS
I
SAY
IT'S
YOU
YOU
sp
YOUR
MOR
HE
SORTED
IT
ALL
OUT
BUT
HE
WAS
REALLY
GOOD
sp
YEAH
sp
YOUR
MORTGAGE
IT
DOESN'T
MATTER
WHO
YOUR
sp
MORTGAGE
IS
sp
WITH
sp
BASICALLY
sp
I
MEAN
sp
YOU
sp
CAN
GO
TO
MOST
PLACES
AND
sp
MM
sp
YOU'RE
GON
NA
BE
PAYING
sp
BUT
WHEN
YOU
BUY
A
COUNCIL
HOUSE
sp
IT
IS
sp
SLIGHTLY
DIFFERENT
IN
AS
MUCH
AS
SOME
sp
SOME
OF
THEM
WON'T
HAVE
sp
THEM
OH
YEAH
sp
YEAH
sp
YEAH
sp
THEN
ALSO
HE
ALSO
GAVE
ME
I
sp
MEAN
I
GOT
HUNDRED
PERCENT
MORTGAGE
sp
WHICH
YOU
ARE
ALLOWED
ON
sp
I
MEAN
THE
LAW
SAYS
ER
sp
T
sp
THE
sp
CHANCE
sp
TO
sp
BUY
sp
SO
sp
THEREFORE
YOU
sp
DON'T
HAVE
sp
TO
HAVE
A
DEPOSIT
sp
BUT
HE
ALSO
GAVE
sp
ME
sp
ENOUGH
sp
TO
COVER
ALL
MY
FEES
sp
LEGAL
sp
FEES
sp
YEAH
sp
YEAH
SO
I
BORROWED
sp
OVER
WHAT
THE
HOUSE
WAS
WORTH
sp
BUT
sp
THAT
WAS
ONLY
BECAUSE
sp
I'D
LIVED
IN
IT
FOR
A
LONG
TIME
AND
I
GOT
A
DISCOUNT
SO
THE
HOUSE
WAS
REALLY
DISCOUNT
sp
YEAH
sp
WORTH
sp
MORE
sp
YEAH
THAN
WHAT
I
WAS
PAYING
FOR
IT
sp
YEAH
sp
COS
I
GOT
A
DISCOUNT
SO
ER
I
BORROWED
ANOTHER
THOUSAND
POUND
sp
TO
COVER
YOUR
COSTS
sp
TO
COVER
ALL
sp
THE
COSTS
sp
FOR
THE
SURVEY
sp
FOR
MAXIE
'S
sp
AND
sp
AND
sp
THIS
THAT
sp
AND
THE
OTHER
sp
WHICH
I
sp
THINK
COME
sp
TO
ABOUT
EIGHT
NINE
HUNDRED
sp
POUND
MM
sp
AS
I
SAY
IT
DOESN'T
MATTER
WHAT
BUILDING
ANYWAY
HE
BORROWED
ALL
THAT
sp
FOR
ME
IT
DOESN'T
MATTER
WHAT
BUILDING
SOCIETY
YOU
GO
TO
sp
YOU'RE
GON
NA
BE
PAYING
BASICALLY
sp
THE
sp
SAME
RATE
sp
BECAUSE
sp
THEY'RE
ALL
sp
THE
SAME
RATE
sp
THE
sp
BASE
RATE'S
THE
sp
SAME
YOU
OKAY
sp
ONE
PLACE
sp
YOU
CAN
GET
A
sp
PERCENT
sp
DISCOUNT
YOU
sp
MIGHT
sp
GET
A
PERCENT
AND
A
HALF
sp
DISCOUNT
sp
DEPENDING
ON
YOUR
sp
MM
sp
DEPENDING
ON
THE
BUILDING
sp
SOCIETY
sp
AT
THE
TIME
sp
IT'S
sp
THE
LIFE
POLICY
sp
MM
sp
THAT
sp
MAKES
sp
THE
DIFFERENCE
sp
BUT
TO
GO
TO
SOMEBODY
LIKE
sp
HIM
sp
WHO
sp
KNEW
HIS
JOB
MM
sp
WHICH
WAS
HIS
sp
JOB
sp
AND
AND
HAD
EVERYTHING
THERE
AND
HE
sp
HE
sp
PATCHED
THROUGH
TO
THIS
COMPUTER
THIS
sp
PLACE
AND
sp
DIFFERENT
COMPUTERS
THAT
HE
HAD
YEAH
sp
YEAH
AND
sp
THE
sp
FACILITY
TO
TO
GET
THROUGH
TO
MM
MM
sp
THAT
HE
COULD
GET
ALL
THESE
sp
TO
sp
FIND
OUT
WHAT
HE
sp
THOUGHT
WAS
THE
BEST
sp
POLICY
IN
sp
IN
YOUR
MM
AS
I
sp
SAY
BECAUSE
OF
MY
sp
HEALTH
sp
AND
ONE
sp
THING
AND
ANOTHER
YOU
COULDN'T
JUST
sp
AND
HE
AND
HE
WAS
REALLY
GOOD
HE
WAS
AND
EXPLAINED
EVERYTHING
TO
ME
I
sp
SAY
THAT
sp
CAN'T
THINK
OF
HIS
NAME
NOW
BUT
I
KNOW
THE
CHAP
HE
WAS
sp
A
TALL
CHAP
sp
WITH
sp
GLASSES
{OOV}
MM
YEAH
sp
YEAH
EVER
SO
NICE
sp
YEAH
sp
HE
sp
REALLY
sp
YOU
KNOW
MADE
ME
FEEL
I
sp
SAY
sp
I
WEREN'T
SAT
THERE
LIKE
I
WAS
WITH
THAT
sp
FELLA
sp
THINKING
sp
WELL
HE
DON'T
SEEM
TO
KNOW
WHAT
HE'S
SAYING
ANYWAY
{LG}
sp
NO
NO
sp
WHICH
IS
WHAT
THE
IMPRESSION
I
GOT
ABOUT
HIM
HE
WASN'T
REALLY
SURE
HIMSELF
MM
sp
BUT
I
THINK
THAT
WAS
PARTLY
YOU
sp
FLOORED
HIM
sp
BECAUSE
YOU
KNEW
YEAH
sp
YEAH
sp
HE
SORT
OF
WAS
A
BIT
sp
YOU
sp
GOT
HIM
A
BIT
COULDN'T
sp
SAY
sp
BUT
sp
CERTAINLY
THAT
MAN
THAT
I
WENT
TO
THAT
sp
TIME
HE
WAS
sp
VERY
VERY
NICE
sp
AND
MM
sp
THEN
YOU
sp
COULD
SEE
HE'D
sp
PATCH
INTO
ALL
THESE
sp
DIFFERENT
BLOODY
sp
THINGS
sp
AND
sp
MM
MM
sp
AND
AND
sp
AND
I
ENDED
UP
sp
WITH
sp
ER
A
sp
REASONABLE
sp
WAS
sp
YOURS
AN
sp
ENDOWMENT
OR
sp
JUST
sp
IT
sp
WAS
sp
AN
sp
ENDOWMENT
YEAH
IT
sp
HAD
sp
TO
sp
BE
sp
{OOV}
sp
I
DU
N
NO
WHY
BUT
IT
sp
HAD
sp
TO
sp
BE
{OOV}
MM
sp
WELL
I
DON'T
KNOW
BUT
sp
THAT'S
sp
WHAT
sp
WHEN
DOES
sp
YOUR
sp
MORTGAGE
FINISH
THEN
MY
MORTGAGE
sp
I
sp
HAD
sp
IT
IN
EIGHTY
sp
ONE
sp
TWENTY
sp
YEARS
sp
SO
ANOTHER
TEN
YEARS
SO
IN
FACT
THERE'S
STILL
AN
ENDOWMENT
POLICY
ON
YOU
TO
sp
COVER
sp
THAT
sp
MORTGAGE
NO
sp
THEY
sp
WERE
ALL
sp
CANCELLED
sp
WEREN'T
sp
IT
I
DU
N
NO
sp
{OOV}
OH
sp
YEAH
I
SIGNED
sp
THE
FORM
sp
SO
sp
YOUR
ENDOWMENT
POLICY
sp
EVERYTHING'S
sp
ALL
sp
ENDED
YEAH
CANCELLED
sp
CANCELLED
sp
STOPPED
WELL
sp
WHAT
sp
ABOUT
sp
THE
MONEY
THE
sp
MONEY
sp
WAS
ALL
sp
{OOV}
I
sp
DON'T
KNOW
I
JUST
SIGNED
sp
FORMS
TO
SAY
sp
THAT
I
WAS
sp
NO
LONGER
RESPONSIBLE
OR
HAD
ANY
sp
CLAIM
ON
sp
THE
PROPERTY
OR
WHATEVER
AND
THAT
sp
WAS
IT
I
DIDN'T
HAVE
TO
sp
PAY
ANY
MORE
AND
I
DIDN'T
sp
AND
I
WAS
sp
PASSING
IT
OVER
TO
TO
sp
STEVE
I
sp
DON'T
KNOW
WHAT
sp
HAPPENED
sp
YEAH
BUT
WHAT
ABOUT
THE
{OOV}
sp
THE
LIFE
POLICY
sp
WAS
IN
sp
YOUR
NAME
THE
sp
WHOLE
LOT
WAS
IN
sp
WAS
sp
IT
sp
ENDOWMENT
NO
sp
I
sp
DU
N
NO
IT
CAN'T
sp
HAVE
sp
BEEN
CAN
IT
sp
I
DON'T
KNOW
sp
NO
IT
WASN'T
sp
IT
WAS
sp
A
NO
IT
WASN'T
AN
sp
ENDOWMENT
sp
I
sp
DIDN'T
sp
PAY
I
sp
ONLY
PAID
EXTRA
INSURANCE
sp
OH
sp
JUST
A
sp
STRAIGHT
TERM
P
POLICY
LIKE
I
sp
WAS
YEAH
BECAUSE
YEAH
BECAUSE
BECAUSE
OF
MY
HEALTH
sp
YEAH
YEAH
THAT
sp
WAS
IT
sp
YEAH
IT
WAS
{OOV}
YEAH
sp
BECAUSE
OF
MY
HEALTH
IT
WAS
A
TERM
ASSURANCE
sp
RATHER
THAN
sp
IT
BEING
AN
ENDOWMENT
INSURANCE
sp
YEAH
sp
I
COULDN'T
I
DON'T
THINK
HE
sp
COULD
GET
THE
OTHER
HE
sp
GOT
THAT
sp
ONE
sp
BECAUSE
OF
sp
I
sp
IN
MY
HEALTH
sp
YOU
sp
COULDN'T
sp
THEY
COULDN'T
SAY
HOW
LONG
MM
sp
BECAUSE
OF
MY
sp
KIDNEY
THE
OTHER
sp
KIDNEY
sp
COULD
sp
GO
ALL
BLAH
BLAH
BLAH
AND
THIS
sp
THAT
AND
sp
THE
sp
OTHER
sp
YEAH
IT
WAS
JUST
ORDINARY
INSURANCE
I
sp
DON'T
KNOW
HOW
sp
MUCH
sp
IT
sp
WAS
I
DON'T
sp
KNOW
I
MEAN
I
ONLY
sp
PAID
A
HUNDRED
AND
SIXTY
POUND
A
sp
MONTH
BUT
I
sp
MEAN
sp
{OOV}
sp
MM
sp
THEN
I
ONLY
sp
BORROWED
sp
TWENTY
ODD
sp
THOUSAND
sp
COS
I
GOT
A
sp
FORTY
ODD
sp
PERCENT
sp
DISCOUNT
OFF
sp
THE
PRICE
sp
OF
THE
HOUSE
ANYWAY
MM
TWENTY
TWO
sp
I
sp
THINK
sp
IT
WAS
sp
SOMETHING
sp
LIKE
sp
THAT
MM
sp
YOU
SEE
{OOV}
AND
THE
RENT
WAS
sp
THIRTY
SIX
sp
POUND
sp
A
WEEK
sp
AND
IT
ENDED
UP
I
WAS
sp
BUYING
IT
FOR
LESS
MONEY
THAN
WHAT
I
WAS
PAYING
MONTHLY
FOR
RENT
sp
YEAH
sp
WELL
YOU
WOULD
DO
sp
SO
IT
sp
WAS
ALL
IT
WAS
sp
WORTH
IT
sp
MIGHT
AS
sp
WELL
HAVE
DONE
IT
sp
MM
sp
MM
SO
I
sp
WENT
INTO
sp
IT
MM
MM
sp
YEAH
IT
IT
sp
WORKED
OUT
HUNDRED
AND
SIXTY
ONE
sp
POUND
A
MONTH
WITH
sp
THE
sp
INSURANCE
sp
SO
IT'S
ALRIGHT
I
sp
MEAN
I
PAID
THE
WHOLE
BLOODY
LOT
TO
THEM
I
sp
DIDN'T
sp
MM
sp
SORT
IT
ALL
OUT
YOU
sp
DON'T
PAY
IT
SEPARATE
sp
I
DIDN'T
sp
I
PAID
TO
COUNCIL
OFFICES
sp
MM
sp
AND
sp
THEY
sp
SORTED
THEY
sp
FORWARD
IT
I
SUPPOSE
OR
DID
WHATEVER
THEY
HAD
TO
DO
WITH
IT
sp
MM
MM
USED
sp
TO
sp
PAY
AT
THE
COUNCIL
OFFICES
{OOV}
DIFFERENT
sp
BOOK
{OOV}
USED
sp
TO
sp
GO
AND
sp
PAY
IT
sp
WRITE
sp
THE
sp
CHEQUE
OUT
AND
sp
HE'D
JUST
sp
TAKE
IT
IN
MM
I
COULD
sp
HAVE
sp
HAD
sp
IT
sp
DONE
THROUGH
THE
BANK
BUT
sp
HE
WAS
ALWAYS
sp
UP
TOWN
ANYWAY
sp
SO
MM
sp
SO
IT
sp
DIDN'T
sp
MAKE
ANY
sp
DIFFERENCE
DIDN'T
MAKE
ANY
DIFFERENCE
sp
ONE
WAY
sp
OR
sp
THE
OTHER
sp
MM
sp
MM
sp
SO
HOW
ABOUT
YOU
YOU'D
HAVE
IT
DONE
THROUGH
THE
sp
BANK
ANYWAY
sp
AND
sp
I'D
sp
JUST
PAY
YOU
sp
WEEKLY
I
COU
MIGHT
AS
WELL
RATHER
THAN
MONTHLY
{LG}
MM
SAVE
YOU
sp
GOING
TO
THE
BANK
sp
COULDN'T
I
sp
JUST
sp
GIVE
sp
YOU
sp
THE
MONEY
YOU
{OOV}
SPENDS
sp
WE'LL
SEE
WHEN
WE
sp
COME
sp
WHEN
sp
IT
COMES
DOWN
sp
TO
IT
sp
WON'T
sp
WE
WHAT
WE
COULD
DO
FINANCIALLY
sp
AND
sp
SORT
sp
SOMETHING
OUT
sp
THEN
sp
WELL
OF
sp
COURSE
WE
WILL
{OOV}
EXPECT
YOU
TO
sp
PAY
BUT
I
CERT
I
I
I
I
I
JU
sp
I
IT
IT
sp
JUST
SOUNDS
sp
YOU
KNOW
sp
TWO
sp
HUNDRED
sp
POUNDS
A
sp
MONTH
sp
JUST
OVER
TWO
sp
HUNDRED
sp
POUND
A
sp
MONTH
sp
{OOV}
SOUNDS
SMASHING
DUN
N
IT
SOUNDS
sp
WONDERFUL
sp
THAT'S
sp
WHAT
I
SAID
WHY
DOESN'T
EVERYBODY
HAVE
sp
THEM
sp
{LG}
WELL
sp
THAT'S
WHY
I
CAN'T
sp
BELIEVE
sp
IT
sp
WELL
HE
sp
SAID
sp
GO
BACK
AND
sp
TOMORROW
AT
LEAST
AND
sp
AND
sp
CHECK
sp
HIS
sp
FIGURES
sp
MHM
sp
IF
THAT'S
RIGHT
THAT'S
THE
ONE
YOU
WANT
REALLY
ISN'T
sp
IT
sp
WELL
I
I
I
sp
YEAH
sp
I
MEAN
OBVIOUSLY
I'D
HAVE
TO
PAY
sp
MORE
ER
sp
FOR
sp
IF
I
WANT
IT
TO
sp
END
sp
AT
sp
SIXTY
sp
MM
sp
BUT
EVEN
sp
THEN
IT
WON'T
BE
WILL
IT
BE
THAT
sp
MUCH
TO
GET
{OOV}
TO
GET
A
HIGHER
LUMP
SUM
sp
TO
GET
A
HIGHER
LUMP
SUM
BUT
sp
THEN
YOU
SEE
WOULD
IT
BE
THAT
MUCH
MORE
SHOULDN'T
sp
THINK
sp
SO
WELL
EXACTLY
sp
SO
IT'S
GON
NA
YOU
SEE
IT'S
BE
LESS
THAN
A
sp
WANT
sp
TWO
HUNDRED
AND
EIGHTY
sp
OH
YEAH
sp
{OOV}
I
SAID
SO
YOU
MIGHT
AS
WELL
HAVE
THAT
AND
HAVE
A
LUMP
SUM
AND
A
BLOOMING
HOUSE
AND
AND
sp
A
PENSION
sp
AND
A
PENSION
THAT'S
WHAT
I
MEAN
sp
MIGHT
sp
AS
sp
WELL
sp
HAVE
sp
YOUR
PENSION
{OOV}
WHEN
YOU
GET
TO
SIXTY
MM
SAY
sp
IT'S
sp
ONLY
sp
TWENTY
SIX
YEARS
sp
AND
sp
COURSE
sp
WITH
A
sp
PENSION
SEE
sp
YOU
CAN
sp
INCREASE
sp
YOUR
sp
CONTRIBUTIONS
sp
YEAH
IF
sp
IF
YOU
GET
A
BETTER
sp
JOB
AND
WHAT
HAVE
YOU
YOU
CAN
ALWAYS
BETTER
JOB
OR
sp
WHATEVER
OR
PAY
RISE
OR
sp
WHATEVER
sp
YOU
CAN
INCREASE
YEAH
YOU
YOUR
CONTRIBUTIONS
INTO
sp
YOUR
PENSION
sp
PLAN
sp
EXACTLY
YES
AND
STILL
sp
AND
sp
FINISH
YOUR
MORTGAGE
EARLIER
YEAH
FIFTY
FIVE
sp
MM
OR
sp
FIFTY
DEPENDING
ON
HOW
MUCH
sp
YOU
sp
WAN
NA
sp
PAY
sp
MM
IF
YOU
WAN
NA
sp
PAY
sp
MORE
sp
INTO
IT
sp
BUT
I
sp
STILL
THINK
sp
{OOV}
WELL
SEE
sp
WHAT
sp
HE
COMES
sp
UP
sp
WITH
sp
SEE
WHAT
HE
COMES
UP
WITH
sp
YEAH
sp
SEE
sp
WHAT
HE
COMES
UP
WITH
AND
sp
CERTAINLY
SAY
TWO
sp
HUNDRED
AND
sp
TWENTY
FIVE
POUND
A
MONTH
IT'S
STILL
WORTH
HAVING
IT'S
sp
CHEAPER
THAN
sp
WE'RE
PAYING
sp
NOW
sp
ISN'T
sp
IT
sp
MM
EVEN
sp
IF
IT'S
TWO
HUNDRED
AND
sp
FIFTY
sp
IT
THE
SAME
WELL
sp
YOU'D
STILL
YOU'RE
GON
NA
HAVE
A
PENSION
AND
AND
A
HOME
sp
IN
A
WAY
I'D
RATHER
PAY
sp
THE
SAME
sp
AND
sp
FINISH
THE
MORTGAGE
EARLIER
YEAH
WELL
THAT'S
IT
YOU
COULD
sp
VOLUNTEER
TO
PAY
TWO
HUNDRED
AND
FIFTY
A
MONTH
COULDN'T
YOU
AND
sp
PAY
A
HIGHER
PENSION
sp
POLICY
sp
MHM
sp
THAT'S
WHAT
I
MEAN
AND
THEN
sp
AND
THEN
YOU'VE
GOT
THE
OPTION
sp
THEN
YOU'VE
GOT
sp
THE
FURTHER
OPTION
sp
THAT
IF
sp
YOU
WANT
TO
sp
REDUCE
sp
YOUR
PREMIUMS
sp
ON
sp
YOUR
sp
PENSION
sp
YOU
CAN
DO
sp
IF
sp
ANYTHING
HAPPENED
MM
IF
sp
ANYTHING
sp
IF
sp
IF
IT
DOES
sp
YOU
SEE
AGAIN
AND
THEN
YOU
sp
SEE
IF
sp
YOU'RE
OUT
OF
sp
A
JOB
YOU
sp
SEE
sp
YOU
sp
IF
sp
YOU
HAPPEN
TO
sp
BE
OUT
OF
A
JOB
THEN
YOU'RE
NOT
ELIGIBLE
sp
FOR
A
sp
PENSION
sp
POLICY
sp
WHAT
HAPPENS
THEN
THEN
IF
YOU
GET
MADE
REDUNDANT
sp
WELL
AND
YOU'VE
ALREADY
GOT
IT
sp
WELL
sp
THEN
YOU
HAVE
sp
TO
FREEZE
IT
sp
SEE
THAT'S
sp
THAT'S
sp
THE
{OOV}
THAT'S
ANOTHER
DRAWBACK
WITH
THE
sp
PENSION
sp
WHEREAS
AN
ENDOWMENT
POLICY
IT
sp
DOESN'T
sp
MATTER
sp
YOU
sp
YOU
CAN
CARRY
ON
sp
PAYING
AN
ENDOWMENT
sp
POLICY
sp
SO
IT
sp
YOU
KNOW
sp
THERE'S
sp
PROS
AND
CONS
EITHER
WAY
sp
MM
THERE'S
THERE'S
ER
sp
PROS
AND
sp
CONS
IN
BUYING
EITHER
OF
THO
EITHER
OF
THE
sp
FLATS
YOU
sp
SEE
ER
THAT'S
sp
THE
THING
ISN'T
sp
IT
sp
MHM
sp
BUT
YOU'VE
GOT
TO
MAKE
THE
DECISION
COS
I
LIKE
sp
BOTH
OF
sp
THEM
VERY
MUCH
sp
I
DO
SO
sp
THEREFORE
YOU
sp
HAVE
sp
TO
sp
MAKE
sp
THE
DECISION
sp
WHICH
sp
ONE
sp
IF
IT
sp
COMES
sp
DOWN
sp
TO
IT
sp
WOULD
YOU
LIKE
sp
TO
LIVE
IN
sp
I
sp
MEAN
IF
WE
COULD
GET
THAT
ONE
DOWN
AT
sp
NEW
DROVE
WHAT
IS
IT
sp
TWENTY
NINE
sp
SO
THAT'S
GON
NA
BE
sp
SAY
IF
YOU
GET
FIFTEEN
sp
HUNDRED
OFF
sp
IT
IT'S
sp
GON
NA
BE
TWENTY
EIGHT
sp
CALL
IT
IT'S
sp
THIRTY
THOUSAND
ISN'T
IT
YEAH
sp
WHAT
IS
sp
IT
TWENTY
NINE
NINE
NINE
FIVE
YOU
MIGHT
AS
WELL
CALL
sp
IT
sp
THIRTY
THOUSAND
{OOV}
WELL
sp
SAY
YOU
GET
TWENTY
EIGHT
AND
A
HALF
sp
YOU'RE
GON
NA
GET
IT
CHEAPER
sp
THE
MOR
THE
MONTHLY
PAYMENT
IS
sp
CHEAPER
sp
AND
THEN
sp
AFF
AND
sp
THEN
YOU
COULD
AFFORD
TO
BUY
SOME
BLOOMING
CARPETS
sp
AND
WITH
THE
OTHER
ONE
YOU'VE
GOT
TO
FIND
A
DEPOSIT
WHICH
sp
YOU'D
sp
HAVE
TO
sp
PAY
BACK
BUT
sp
YOU
WOULDN'T
HAVE
sp
TO
BUY
ANY
CARPETS
sp
YOU
sp
WOULDN'T
sp
HAVE
TO
sp
BUY
THE
CARPETS
sp
AND
sp
YOU
sp
SAY
WE'D
sp
GON
NA
HAVE
TO
HAVE
A
sp
COOKER
AND
A
sp
FRIDGE
sp
AND
THAT
sp
AREN'T
YOU
sp
WELL
A
sp
COOKER
sp
YOU
DEFINITELY
A
sp
FRIDGE
sp
SAY
WE
sp
COULD
sp
PERHAPS
sp
BORROW
THAT
ONE
OF
sp
MUM
'S
UNTIL
WE
sp
COULD
AFFORD
sp
ONE
OR
PICK
sp
UP
sp
A
sp
CHEAP
ONE
UNLESS
I
sp
SAY
IF
sp
YOU
KNOCKED
sp
HIM
DOWN
sp
BUT
A
COOKER
'S
NO
sp
PROBLEM
BECAUSE
I
KNOW
YOU
CAN
GO
INTO
THE
ELECTRICITY
BOARD
sp
AND
sp
SAY
sp
I'M
MOVING
INTO
A
NEW
PROPERTY
I
HAVEN'T
GOT
sp
A
sp
COOKER
sp
AND
THEY
WOULD
sp
YOU
CAN
GET
THEM
sp
NO
DEPOSIT
sp
JUST
ADDED
sp
TO
YOUR
ELECTRIC
sp
BILL
sp
THAT'S
sp
A
WAY
TO
sp
BECAUSE
OH
sp
BUYING
IT
ON
sp
SOME
sp
SORT
sp
OF
OH
YEAH
ON
ER
ER
sp
A
sp
FINANCIAL
AGREEMENT
OR
LOOK
AROUND
AND
SEE
sp
WHAT
sp
THERE
sp
IS
GOING
IN
THE
IN
THE
MARKET
AND
GET
A
sp
SORT
OF
sp
SECOND
sp
HAND
ONE
sp
NO
PERCENT
sp
FREE
CREDIT
sp
YEAH
sp
I
sp
MEAN
sp
THERE'S
NO
DIFFICULTY
IN
GETTING
A
COOKER
sp
SAY
sp
IF
sp
WE
I
MEAN
sp
IF
IF
WE'RE
PAYING
SAY
TWO
HUNDRED
sp
POUND
A
sp
MONTH
ON
sp
A
MORTGAGE
sp
MM
sp
FOR
TWENTY
sp
EIGHT
sp
THOUSAND
{OOV}
WE'VE
GOT
sp
FIFTY
POUND
A
MONTH
WE
CAN
sp
PLAY
sp
WITH
AND
sp
WE
TO
BUY
WELL
THAT'S
sp
IT
YOU
COULD
TO
BUY
A
COOKER
OVER
sp
THE
sp
NE
sp