char: THE ACCRETION EXPENSE AMOUNTS TO A CHANGE IN THE LIABILITY DUE TO TIME AND THE DISCOUNT RATE APPLIED
phn: DH AH AH K R IY SH AH N IH K S P EH N S AH M AW N T S T UW AH CH EY N JH IH N DH AH L AY AH B IH L IH T IY D UW T UW T AY M AH N D DH AH D IH S K AW N T R EY T AH P L AY D