These D|I|Z DH|IH|Z D|IH|Z DH|I|S D|I|S DH|IH|S D|IH|S transactions T|R|A|N|Z|A|K|SH|AX|N|Z T|R|AE|N|S|AE|K|S|AX|N|S T|R|A|N|S|A|K|S|AX|N|S must M|O|S|T M|AH|SH|T M|O|SH|T be B|IH completed K|AX|M|P|L|IH|T|AX|D K|AX|M|P|L|I|T|AX|JH K|AX|M|P|L|IH|T|AX|JH before B|I|F|AO|R B|IH|P|AO|R B|I|P|AO|R B|IH|F|U|R B|I|F|U|R B|IH|P|U|R B|I|P|U|R the D|AX close K|L|U|S K|L|O|SH K|L|U|SH of O|V AH|B O|B business B|I|Z|N|AX|S B|IH|S|N|AX|S B|I|S|N|AX|S B|IH|Z|N|AX|SH B|I|Z|N|AX|SH B|IH|S|N|AX|SH B|I|S|N|AX|SH today T|AX|JH|E + I T|AX|D|A T|AX|JH|A