you know but it's i tell you it's it's really uh it's tough to uh to deal with when you let your your balances build up you know so that it it's
It's always tough to deal with high balances and paying them off. 
mnli hypothesis: It's always tough to deal with high balances and paying them off.  premise: you know but it's i tell you it's it's really uh it's tough to uh to deal with when you let your your balances build up you know so that it it's