<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>
		<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>Banks</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>are</item>
			<item><token sapi:display="are:AA|R" sapi:pron="U R">U|R</token></item>
			<item>not</item>
			<item><token sapi:display="not:N|AA|T" sapi:pron="N U T">N|U|T</token></item>
			<item>only</item>
			<item><token sapi:display="only:O|N|L|I" sapi:pron="U N L I">U|N|L|I</token></item>
			<item><token sapi:display="only:O|N|L|I" sapi:pron="O N L IH">O|N|L|IH</token></item>
			<item><token sapi:display="only:O|N|L|I" sapi:pron="U N L IH">U|N|L|IH</token></item>
			<item>places</item>
			<item><token sapi:display="places:P|L|E+I|S|AX|Z" sapi:pron="P L A S AX Z">P|L|A|S|AX|Z</token></item>
			<item><token sapi:display="places:P|L|E+I|S|AX|Z" sapi:pron="P L E + I SH AX Z">P|L|E + I|SH|AX|Z</token></item>
			<item><token sapi:display="places:P|L|E+I|S|AX|Z" sapi:pron="P L A SH AX Z">P|L|A|SH|AX|Z</token></item>
			<item><token sapi:display="places:P|L|E+I|S|AX|Z" sapi:pron="P L E + I S AX S">P|L|E + I|S|AX|S</token></item>
			<item><token sapi:display="places:P|L|E+I|S|AX|Z" sapi:pron="P L A S AX S">P|L|A|S|AX|S</token></item>
			<item><token sapi:display="places:P|L|E+I|S|AX|Z" sapi:pron="P L E + I SH AX S">P|L|E + I|SH|AX|S</token></item>
			<item><token sapi:display="places:P|L|E+I|S|AX|Z" sapi:pron="P L A SH AX S">P|L|A|SH|AX|S</token></item>
			<item>in</item>
			<item><token sapi:display="in:IH|N" sapi:pron="I N">I|N</token></item>
			<item>which</item>
			<item><token sapi:display="which:W|IH|CH" sapi:pron="W I CH">W|I|CH</token></item>
			<item><token sapi:display="which:W|IH|CH" sapi:pron="W IH SH">W|IH|SH</token></item>
			<item><token sapi:display="which:W|IH|CH" sapi:pron="W I SH">W|I|SH</token></item>
			<item>to</item>
			<item><token sapi:display="to:T|U" sapi:pron="T O">T|O</token></item>
			<item>save</item>
			<item><token sapi:display="save:S|E+I|V" sapi:pron="SH E + I V">SH|E + I|V</token></item>
			<item><token sapi:display="save:S|E+I|V" sapi:pron="S A V">S|A|V</token></item>
			<item><token sapi:display="save:S|E+I|V" sapi:pron="SH A V">SH|A|V</token></item>
			<item><token sapi:display="save:S|E+I|V" sapi:pron="S E + I B">S|E + I|B</token></item>
			<item><token sapi:display="save:S|E+I|V" sapi:pron="SH E + I B">SH|E + I|B</token></item>
			<item><token sapi:display="save:S|E+I|V" sapi:pron="S A B">S|A|B</token></item>
			<item><token sapi:display="save:S|E+I|V" sapi:pron="SH A B">SH|A|B</token></item>
			<item>money</item>
			<item><token sapi:display="money:M|AH|N|I" sapi:pron="M O N I">M|O|N|I</token></item>
			<item><token sapi:display="money:M|AH|N|I" sapi:pron="M AH N IH">M|AH|N|IH</token></item>
			<item><token sapi:display="money:M|AH|N|I" sapi:pron="M O N IH">M|O|N|IH</token></item>
			<item>or</item>
			<item><token sapi:display="or:AO|R" sapi:pron="U R">U|R</token></item>
			<item>to</item>
			<item><token sapi:display="to1:T|U" sapi:pron="T O">T|O</token></item>
			<item>transact</item>
			<item><token sapi:display="transact:T|R|AE|N|Z|AE|K|T" sapi:pron="T R A N Z A K T">T|R|A|N|Z|A|K|T</token></item>
			<item><token sapi:display="transact:T|R|AE|N|Z|AE|K|T" sapi:pron="T R AE N S AE K T">T|R|AE|N|S|AE|K|T</token></item>
			<item><token sapi:display="transact:T|R|AE|N|Z|AE|K|T" sapi:pron="T R A N S A K T">T|R|A|N|S|A|K|T</token></item>
			<item>your</item>
			<item><token sapi:display="your:Y|AO|R" sapi:pron="Y U R">Y|U|R</token></item>
			<item>financial</item>
			<item><token sapi:display="financial:F|AX|N|AE|N|SH|AX|L" sapi:pron="P AX N AE N SH AX L">P|AX|N|AE|N|SH|AX|L</token></item>
			<item><token sapi:display="financial:F|AX|N|AE|N|SH|AX|L" sapi:pron="F AX N A N SH AX L">F|AX|N|A|N|SH|AX|L</token></item>
			<item><token sapi:display="financial:F|AX|N|AE|N|SH|AX|L" sapi:pron="P AX N A N SH AX L">P|AX|N|A|N|SH|AX|L</token></item>
			<item><token sapi:display="financial:F|AX|N|AE|N|SH|AX|L" sapi:pron="F AX N AE N S AX L">F|AX|N|AE|N|S|AX|L</token></item>
			<item><token sapi:display="financial:F|AX|N|AE|N|SH|AX|L" sapi:pron="P AX N AE N S AX L">P|AX|N|AE|N|S|AX|L</token></item>
			<item><token sapi:display="financial:F|AX|N|AE|N|SH|AX|L" sapi:pron="F AX N A N S AX L">F|AX|N|A|N|S|AX|L</token></item>
			<item><token sapi:display="financial:F|AX|N|AE|N|SH|AX|L" sapi:pron="P AX N A N S AX L">P|AX|N|A|N|S|AX|L</token></item>
			<item>business</item>
			<item><token sapi:display="business:B|IH|Z|N|AX|S" sapi:pron="B I Z N AX S">B|I|Z|N|AX|S</token></item>
			<item><token sapi:display="business:B|IH|Z|N|AX|S" sapi:pron="B IH S N AX S">B|IH|S|N|AX|S</token></item>
			<item><token sapi:display="business:B|IH|Z|N|AX|S" sapi:pron="B I S N AX S">B|I|S|N|AX|S</token></item>
			<item><token sapi:display="business:B|IH|Z|N|AX|S" sapi:pron="B IH Z N AX SH">B|IH|Z|N|AX|SH</token></item>
			<item><token sapi:display="business:B|IH|Z|N|AX|S" sapi:pron="B I Z N AX SH">B|I|Z|N|AX|SH</token></item>
			<item><token sapi:display="business:B|IH|Z|N|AX|S" sapi:pron="B IH S N AX SH">B|IH|S|N|AX|SH</token></item>
			<item><token sapi:display="business:B|IH|Z|N|AX|S" sapi:pron="B I S N AX SH">B|I|S|N|AX|SH</token></item>
			<item>but</item>
			<item><token sapi:display="but:B|AH|T" sapi:pron="B O T">B|O|T</token></item>
			<item>also</item>
			<item><token sapi:display="also:AO|L|S|O" sapi:pron="U L S U">U|L|S|U</token></item>
			<item><token sapi:display="also:AO|L|S|O" sapi:pron="AO L SH O">AO|L|SH|O</token></item>
			<item><token sapi:display="also:AO|L|S|O" sapi:pron="U L SH U">U|L|SH|U</token></item>
			<item>institutions</item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="I N S T I T U SH AX N Z">I|N|S|T|I|T|U|SH|AX|N|Z</token></item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="IH N SH T IH T U SH AX N Z">IH|N|SH|T|IH|T|U|SH|AX|N|Z</token></item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="I N SH T I T U SH AX N Z">I|N|SH|T|I|T|U|SH|AX|N|Z</token></item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="IH N S T IH T O SH AX N Z">IH|N|S|T|IH|T|O|SH|AX|N|Z</token></item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="I N S T I T O SH AX N Z">I|N|S|T|I|T|O|SH|AX|N|Z</token></item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="IH N SH T IH T O SH AX N Z">IH|N|SH|T|IH|T|O|SH|AX|N|Z</token></item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="I N SH T I T O SH AX N Z">I|N|SH|T|I|T|O|SH|AX|N|Z</token></item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="IH N S T IH T U S AX N S">IH|N|S|T|IH|T|U|S|AX|N|S</token></item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="I N S T I T U S AX N S">I|N|S|T|I|T|U|S|AX|N|S</token></item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="IH N SH T IH T U S AX N S">IH|N|SH|T|IH|T|U|S|AX|N|S</token></item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="I N SH T I T U S AX N S">I|N|SH|T|I|T|U|S|AX|N|S</token></item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="IH N S T IH T O S AX N S">IH|N|S|T|IH|T|O|S|AX|N|S</token></item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="I N S T I T O S AX N S">I|N|S|T|I|T|O|S|AX|N|S</token></item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="IH N SH T IH T O S AX N S">IH|N|SH|T|IH|T|O|S|AX|N|S</token></item>
			<item><token sapi:display="institutions:IH|N|S|T|IH|T|U|SH|AX|N|Z" sapi:pron="I N SH T I T O S AX N S">I|N|SH|T|I|T|O|S|AX|N|S</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>which</item>
			<item><token sapi:display="which1:W|IH|CH" sapi:pron="W I CH">W|I|CH</token></item>
			<item><token sapi:display="which1:W|IH|CH" sapi:pron="W IH SH">W|IH|SH</token></item>
			<item><token sapi:display="which1:W|IH|CH" sapi:pron="W I SH">W|I|SH</token></item>
			<item>people</item>
			<item><token sapi:display="people:P|I|P|AX|L" sapi:pron="P IH P AX L">P|IH|P|AX|L</token></item>
			<item>can</item>
			<item><token sapi:display="can:K|AE|N" sapi:pron="K A N">K|A|N</token></item>
			<item>borrow</item>
			<item><token sapi:display="borrow:B|AA|R|O" sapi:pron="B U R U">B|U|R|U</token></item>
			<item>money</item>
			<item><token sapi:display="money1:M|AH|N|I" sapi:pron="M O N I">M|O|N|I</token></item>
			<item><token sapi:display="money1:M|AH|N|I" sapi:pron="M AH N IH">M|AH|N|IH</token></item>
			<item><token sapi:display="money1:M|AH|N|I" sapi:pron="M O N IH">M|O|N|IH</token></item>
		</one-of>
	</rule>

</grammar>