<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>
		<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>The</item>
			<item><token sapi:display="The:DH|AX" sapi:pron="D AX">D|AX</token></item>
			<item>bank's</item>
			<item><token sapi:display="banks:B|AE|NG|K|S" sapi:pron="B A NG K S">B|A|NG|K|S</token></item>
			<item><token sapi:display="banks:B|AE|NG|K|S" sapi:pron="B AE NG K SH">B|AE|NG|K|SH</token></item>
			<item><token sapi:display="banks:B|AE|NG|K|S" sapi:pron="B A NG K SH">B|A|NG|K|SH</token></item>
			<item>policies</item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P U L AX S I Z">P|U|L|AX|S|I|Z</token></item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P AA L AX SH I Z">P|AA|L|AX|SH|I|Z</token></item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P U L AX SH I Z">P|U|L|AX|SH|I|Z</token></item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P AA L AX S IH Z">P|AA|L|AX|S|IH|Z</token></item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P U L AX S IH Z">P|U|L|AX|S|IH|Z</token></item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P AA L AX SH IH Z">P|AA|L|AX|SH|IH|Z</token></item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P U L AX SH IH Z">P|U|L|AX|SH|IH|Z</token></item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P AA L AX S I S">P|AA|L|AX|S|I|S</token></item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P U L AX S I S">P|U|L|AX|S|I|S</token></item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P AA L AX SH I S">P|AA|L|AX|SH|I|S</token></item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P U L AX SH I S">P|U|L|AX|SH|I|S</token></item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P AA L AX S IH S">P|AA|L|AX|S|IH|S</token></item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P U L AX S IH S">P|U|L|AX|S|IH|S</token></item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P AA L AX SH IH S">P|AA|L|AX|SH|IH|S</token></item>
			<item><token sapi:display="policies:P|AA|L|AX|S|I|Z" sapi:pron="P U L AX SH IH S">P|U|L|AX|SH|IH|S</token></item>
			<item>restrict</item>
			<item><token sapi:display="restrict:R|I|S|T|R|IH|K|T" sapi:pron="R IH S T R IH K T">R|IH|S|T|R|IH|K|T</token></item>
			<item><token sapi:display="restrict:R|I|S|T|R|IH|K|T" sapi:pron="R I SH T R IH K T">R|I|SH|T|R|IH|K|T</token></item>
			<item><token sapi:display="restrict:R|I|S|T|R|IH|K|T" sapi:pron="R IH SH T R IH K T">R|IH|SH|T|R|IH|K|T</token></item>
			<item><token sapi:display="restrict:R|I|S|T|R|IH|K|T" sapi:pron="R I S T R I K T">R|I|S|T|R|I|K|T</token></item>
			<item><token sapi:display="restrict:R|I|S|T|R|IH|K|T" sapi:pron="R IH S T R I K T">R|IH|S|T|R|I|K|T</token></item>
			<item><token sapi:display="restrict:R|I|S|T|R|IH|K|T" sapi:pron="R I SH T R I K T">R|I|SH|T|R|I|K|T</token></item>
			<item><token sapi:display="restrict:R|I|S|T|R|IH|K|T" sapi:pron="R IH SH T R I K T">R|IH|SH|T|R|I|K|T</token></item>
			<item>the</item>
			<item><token sapi:display="the:DH|AX" sapi:pron="D AX">D|AX</token></item>
			<item>number</item>
			<item><token sapi:display="number:N|AH|M|B|ER" sapi:pron="N O M B ER">N|O|M|B|ER</token></item>
			<item><token sapi:display="number:N|AH|M|B|ER" sapi:pron="N AH M B I R">N|AH|M|B|I R</token></item>
			<item><token sapi:display="number:N|AH|M|B|ER" sapi:pron="N O M B I R">N|O|M|B|I R</token></item>
			<item>of</item>
			<item><token sapi:display="of:AH|V" sapi:pron="O V">O|V</token></item>
			<item><token sapi:display="of:AH|V" sapi:pron="AH B">AH|B</token></item>
			<item><token sapi:display="of:AH|V" sapi:pron="O B">O|B</token></item>
			<item>deductions</item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="JH IH JH AH K SH AX N Z">JH|IH|JH|AH|K|SH|AX|N|Z</token></item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="D I D AH K SH AX N Z">D|I|D|AH|K|SH|AX|N|Z</token></item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="JH I JH AH K SH AX N Z">JH|I|JH|AH|K|SH|AX|N|Z</token></item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="D IH D O K SH AX N Z">D|IH|D|O|K|SH|AX|N|Z</token></item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="JH IH JH O K SH AX N Z">JH|IH|JH|O|K|SH|AX|N|Z</token></item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="D I D O K SH AX N Z">D|I|D|O|K|SH|AX|N|Z</token></item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="JH I JH O K SH AX N Z">JH|I|JH|O|K|SH|AX|N|Z</token></item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="D IH D AH K S AX N S">D|IH|D|AH|K|S|AX|N|S</token></item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="JH IH JH AH K S AX N S">JH|IH|JH|AH|K|S|AX|N|S</token></item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="D I D AH K S AX N S">D|I|D|AH|K|S|AX|N|S</token></item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="JH I JH AH K S AX N S">JH|I|JH|AH|K|S|AX|N|S</token></item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="D IH D O K S AX N S">D|IH|D|O|K|S|AX|N|S</token></item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="JH IH JH O K S AX N S">JH|IH|JH|O|K|S|AX|N|S</token></item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="D I D O K S AX N S">D|I|D|O|K|S|AX|N|S</token></item>
			<item><token sapi:display="deductions:D|IH|D|AH|K|SH|AX|N|Z" sapi:pron="JH I JH O K S AX N S">JH|I|JH|O|K|S|AX|N|S</token></item>
			<item>you</item>
			<item><token sapi:display="you:Y|U" sapi:pron="Y O">Y|O</token></item>
			<item>can</item>
			<item><token sapi:display="can:K|AE|N" sapi:pron="K A N">K|A|N</token></item>
			<item>make</item>
			<item><token sapi:display="make:M|E+I|K" sapi:pron="M A K">M|A|K</token></item>
			<item>from</item>
			<item><token sapi:display="from:F|R|AH|M" sapi:pron="P R AH M">P|R|AH|M</token></item>
			<item><token sapi:display="from:F|R|AH|M" sapi:pron="F R O M">F|R|O|M</token></item>
			<item><token sapi:display="from:F|R|AH|M" sapi:pron="P R O M">P|R|O|M</token></item>
			<item>your</item>
			<item><token sapi:display="your:Y|AO|R" sapi:pron="Y U R">Y|U|R</token></item>
			<item>account</item>
			<item>without</item>
			<item><token sapi:display="without:W|IH|TH|A+UH|T" sapi:pron="W I TH A + UH T">W|I|TH|A + UH|T</token></item>
			<item><token sapi:display="without:W|IH|TH|A+UH|T" sapi:pron="W IH T A + UH T">W|IH|T|A + UH|T</token></item>
			<item><token sapi:display="without:W|IH|TH|A+UH|T" sapi:pron="W I T A + UH T">W|I|T|A + UH|T</token></item>
			<item>a</item>
			<item>penalty</item>
			<item><token sapi:display="penalty:P|EH|N|AX|L|T|I" sapi:pron="P I N AX L T I">P|I|N|AX|L|T|I</token></item>
			<item><token sapi:display="penalty:P|EH|N|AX|L|T|I" sapi:pron="P EH N AX L T IH">P|EH|N|AX|L|T|IH</token></item>
			<item><token sapi:display="penalty:P|EH|N|AX|L|T|I" sapi:pron="P I N AX L T IH">P|I|N|AX|L|T|IH</token></item>
		</one-of>
	</rule>

</grammar>