uh because of the uh improvement in real estate prices and on the last move we bought ourselves a fairly large house and i've got some pretty stiff mortgage payments now
I have a large mortgage payment because of our last move. 
mnli hypothesis: I have a large mortgage payment because of our last move.  premise: uh because of the uh improvement in real estate prices and on the last move we bought ourselves a fairly large house and i've got some pretty stiff mortgage payments now