Premise: The decision to earn and hold early allowances is based on the assumption that allowances are viewed as an asset that must earn at least an 8 percent real return.

Hypothesis: Allowances never produce a return.
Answer: no

Premise: To the point, my friend.

Hypothesis: My friend is very slow in terms of mental capacity.
Answer: it is not possible to tell

Premise: they're oh okay i see

Hypothesis: Okay, I see that you're alive
Answer: it is not possible to tell

Premise: After the tour, we found Jaye Olafson at the cookies and brownies reception on the first floor.

Hypothesis: We found Jaye at the cookies and brownies reception before the tour started.
Answer: no