<grammar 
	version="1.0" mode="voice" root="topLevel"
	xml:lang="en-US"
	xml:base="http://www.contoso.com/"
	xmlns="http://www.w3.org/2001/06/grammar"
	sapi:alphabet="x-microsoft-ups"
	xmlns:sapi="http://schemas.microsoft.com/Speech/2002/06/SRGSExtensions">

	<rule id="topLevel">
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
		<ruleref uri="#BagOfWords"></ruleref>
	</rule>


	<rule id="BagOfWords">
		<one-of>
			<item>Health</item>
			<item><token sapi:display="Health:HH|EH|L|TH" sapi:pron="HH I L TH">HH|I|L|TH</token></item>
			<item><token sapi:display="Health:HH|EH|L|TH" sapi:pron="HH EH L T">HH|EH|L|T</token></item>
			<item><token sapi:display="Health:HH|EH|L|TH" sapi:pron="HH I L T">HH|I|L|T</token></item>
			<item>insurance</item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="I N SH UH R AX N S">I|N|SH|UH|R|AX|N|S</token></item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="IH N S UH R AX N S">IH|N|S|UH|R|AX|N|S</token></item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="I N S UH R AX N S">I|N|S|UH|R|AX|N|S</token></item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="IH N SH U R AX N S">IH|N|SH|U|R|AX|N|S</token></item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="I N SH U R AX N S">I|N|SH|U|R|AX|N|S</token></item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="IH N S U R AX N S">IH|N|S|U|R|AX|N|S</token></item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="I N S U R AX N S">I|N|S|U|R|AX|N|S</token></item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="IH N SH UH R AX N SH">IH|N|SH|UH|R|AX|N|SH</token></item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="I N SH UH R AX N SH">I|N|SH|UH|R|AX|N|SH</token></item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="IH N S UH R AX N SH">IH|N|S|UH|R|AX|N|SH</token></item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="I N S UH R AX N SH">I|N|S|UH|R|AX|N|SH</token></item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="IH N SH U R AX N SH">IH|N|SH|U|R|AX|N|SH</token></item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="I N SH U R AX N SH">I|N|SH|U|R|AX|N|SH</token></item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="IH N S U R AX N SH">IH|N|S|U|R|AX|N|SH</token></item>
			<item><token sapi:display="insurance:IH|N|SH|UH|R|AX|N|S" sapi:pron="I N S U R AX N SH">I|N|S|U|R|AX|N|SH</token></item>
			<item>coverage</item>
			<item><token sapi:display="coverage:K|AH|V|ER|AX|JH" sapi:pron="K O V ER AX JH">K|O|V|ER|AX|JH</token></item>
			<item><token sapi:display="coverage:K|AH|V|ER|AX|JH" sapi:pron="K AH B ER AX JH">K|AH|B|ER|AX|JH</token></item>
			<item><token sapi:display="coverage:K|AH|V|ER|AX|JH" sapi:pron="K O B ER AX JH">K|O|B|ER|AX|JH</token></item>
			<item><token sapi:display="coverage:K|AH|V|ER|AX|JH" sapi:pron="K AH V I R AX JH">K|AH|V|I R|AX|JH</token></item>
			<item><token sapi:display="coverage:K|AH|V|ER|AX|JH" sapi:pron="K O V I R AX JH">K|O|V|I R|AX|JH</token></item>
			<item><token sapi:display="coverage:K|AH|V|ER|AX|JH" sapi:pron="K AH B I R AX JH">K|AH|B|I R|AX|JH</token></item>
			<item><token sapi:display="coverage:K|AH|V|ER|AX|JH" sapi:pron="K O B I R AX JH">K|O|B|I R|AX|JH</token></item>
			<item>and</item>
			<item><token sapi:display="and:AX|N|D" sapi:pron="AX N JH">AX|N|JH</token></item>
			<item>retirement</item>
			<item><token sapi:display="retirement:R|I|T|A+I|ER|M|AX|N|T" sapi:pron="R IH T IH ER M AX N T">R|IH|T|IH|ER|M|AX|N|T</token></item>
			<item><token sapi:display="retirement:R|I|T|A+I|ER|M|AX|N|T" sapi:pron="R I T A + I I R M AX N T">R|I|T|A + I|I R|M|AX|N|T</token></item>
			<item><token sapi:display="retirement:R|I|T|A+I|ER|M|AX|N|T" sapi:pron="R IH T IH I R M AX N T">R|IH|T|IH|I R|M|AX|N|T</token></item>
			<item>plans</item>
			<item><token sapi:display="plans:P|L|AE|N|Z" sapi:pron="P L A N Z">P|L|A|N|Z</token></item>
			<item><token sapi:display="plans:P|L|AE|N|Z" sapi:pron="P L AE N S">P|L|AE|N|S</token></item>
			<item><token sapi:display="plans:P|L|AE|N|Z" sapi:pron="P L A N S">P|L|A|N|S</token></item>
			<item>may</item>
			<item><token sapi:display="may:M|E+I" sapi:pron="M A">M|A</token></item>
			<item>be</item>
			<item><token sapi:display="be:B|I" sapi:pron="B IH">B|IH</token></item>
			<item>essential</item>
			<item><token sapi:display="essential:EH|S|EH|N|SH|AX|L" sapi:pron="I S I N SH AX L">I|S|I|N|SH|AX|L</token></item>
			<item><token sapi:display="essential:EH|S|EH|N|SH|AX|L" sapi:pron="EH SH EH N SH AX L">EH|SH|EH|N|SH|AX|L</token></item>
			<item><token sapi:display="essential:EH|S|EH|N|SH|AX|L" sapi:pron="I SH I N SH AX L">I|SH|I|N|SH|AX|L</token></item>
			<item><token sapi:display="essential:EH|S|EH|N|SH|AX|L" sapi:pron="EH S EH N S AX L">EH|S|EH|N|S|AX|L</token></item>
			<item><token sapi:display="essential:EH|S|EH|N|SH|AX|L" sapi:pron="I S I N S AX L">I|S|I|N|S|AX|L</token></item>
			<item><token sapi:display="essential:EH|S|EH|N|SH|AX|L" sapi:pron="EH SH EH N S AX L">EH|SH|EH|N|S|AX|L</token></item>
			<item><token sapi:display="essential:EH|S|EH|N|SH|AX|L" sapi:pron="I SH I N S AX L">I|SH|I|N|S|AX|L</token></item>
		</one-of>
	</rule>

</grammar>