Premise:
"and it depends on life styles too down there i'm not sure if you all tend to go out more down there than we do up here or or if we tend to go out more"
Hypothesis: Everyone goes out just about the same amount.

no

Premise:
"there were several credit cards and then there were several other businesses but uh i i guess what's interesting have you seen the uh the the the the ads where they're offering to extend payments on uh things like uh like the credit union's offering"
Hypothesis: There were tons of other businesses along with several credit cards, they had a lot of offerings.

yes

Premise:
"So if time isn't a major factor, the best way of getting the feel of the place is to walk."
Hypothesis: If time is not an issue, walking is the best way to discover a place.
it is not possible to tell