char: THE DISCOUNT DESCRIBED AS TRADE RATE DISCOUNT IS SOMETIMES CALLED TRADE DISCOUNT
phn: DH AH D IH S K AW N T D IH S K R AY B D AE Z T R EY D R EY T D IH S K AW N T IH Z S AH M T AY M Z K AO L D T R EY D D IH S K AW N T