char: THIS IS APPEALING TO BUYERS BECAUSE THE CREDIT IS SOLD AT A DISCOUNT FROM FACE VALUE
phn: DH IH S IH Z AH P IY L IH NG T UW B AY ER Z B IH K AO Z DH AH K R EH D AH T IH Z S OW L D AE T AH D IH S K AW N T F R AH M F EY S V AE L Y UW