<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>
	</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>mortgage</item>
			<item><token sapi:display="mortgage:M|AO|R|G|AX|JH" sapi:pron="M U R G AX JH">M|U|R|G|AX|JH</token></item>
			<item>lender</item>
			<item><token sapi:display="lender:L|EH|N|D|ER" sapi:pron="L I N D ER">L|I|N|D|ER</token></item>
			<item><token sapi:display="lender:L|EH|N|D|ER" sapi:pron="L EH N JH ER">L|EH|N|JH|ER</token></item>
			<item><token sapi:display="lender:L|EH|N|D|ER" sapi:pron="L I N JH ER">L|I|N|JH|ER</token></item>
			<item><token sapi:display="lender:L|EH|N|D|ER" sapi:pron="L EH N D I R">L|EH|N|D|I R</token></item>
			<item><token sapi:display="lender:L|EH|N|D|ER" sapi:pron="L I N D I R">L|I|N|D|I R</token></item>
			<item><token sapi:display="lender:L|EH|N|D|ER" sapi:pron="L EH N JH I R">L|EH|N|JH|I R</token></item>
			<item><token sapi:display="lender:L|EH|N|D|ER" sapi:pron="L I N JH I R">L|I|N|JH|I R</token></item>
			<item>was</item>
			<item><token sapi:display="was:W|AA|Z" sapi:pron="W U Z">W|U|Z</token></item>
			<item><token sapi:display="was:W|AA|Z" sapi:pron="W AA S">W|AA|S</token></item>
			<item><token sapi:display="was:W|AA|Z" sapi:pron="W U S">W|U|S</token></item>
			<item>apprehensive</item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="A P R IH HH EH N S IH V">A|P|R|IH|HH|EH|N|S|IH|V</token></item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="AE P R I HH I N S I V">AE|P|R|I|HH|I|N|S|I|V</token></item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="A P R I HH I N S I V">A|P|R|I|HH|I|N|S|I|V</token></item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="AE P R IH HH EH N SH IH V">AE|P|R|IH|HH|EH|N|SH|IH|V</token></item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="A P R IH HH EH N SH IH V">A|P|R|IH|HH|EH|N|SH|IH|V</token></item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="AE P R I HH I N SH I V">AE|P|R|I|HH|I|N|SH|I|V</token></item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="A P R I HH I N SH I V">A|P|R|I|HH|I|N|SH|I|V</token></item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="AE P R IH HH EH N S IH B">AE|P|R|IH|HH|EH|N|S|IH|B</token></item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="A P R IH HH EH N S IH B">A|P|R|IH|HH|EH|N|S|IH|B</token></item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="AE P R I HH I N S I B">AE|P|R|I|HH|I|N|S|I|B</token></item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="A P R I HH I N S I B">A|P|R|I|HH|I|N|S|I|B</token></item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="AE P R IH HH EH N SH IH B">AE|P|R|IH|HH|EH|N|SH|IH|B</token></item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="A P R IH HH EH N SH IH B">A|P|R|IH|HH|EH|N|SH|IH|B</token></item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="AE P R I HH I N SH I B">AE|P|R|I|HH|I|N|SH|I|B</token></item>
			<item><token sapi:display="apprehensive:AE|P|R|IH|HH|EH|N|S|IH|V" sapi:pron="A P R I HH I N SH I B">A|P|R|I|HH|I|N|SH|I|B</token></item>
			<item>about</item>
			<item>the</item>
			<item><token sapi:display="the:DH|AX" sapi:pron="D AX">D|AX</token></item>
			<item>company&amp;rsquos</item>
			<item>ability</item>
			<item><token sapi:display="ability:AX|B|IH|L|AX|T|I" sapi:pron="AX B I L AX T I">AX|B|I|L|AX|T|I</token></item>
			<item><token sapi:display="ability:AX|B|IH|L|AX|T|I" sapi:pron="AX B IH L AX T IH">AX|B|IH|L|AX|T|IH</token></item>
			<item><token sapi:display="ability:AX|B|IH|L|AX|T|I" sapi:pron="AX B I L AX T IH">AX|B|I|L|AX|T|IH</token></item>
			<item>to</item>
			<item><token sapi:display="to:T|U" sapi:pron="T O">T|O</token></item>
			<item>pay</item>
			<item><token sapi:display="pay:P|E+I" sapi:pron="P A">P|A</token></item>
		</one-of>
	</rule>

</grammar>