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when the chips are down▼◼◼◼[UK: wen ðə tʃɪps ə(r) daʊn] [US: hwen ðə ˈtʃɪps ˈɑːr ˈdaʊn]
when it comes to the scratch▼[UK: wen ɪt kʌmz tuː ðə skrætʃ] [US: hwen ˈɪt ˈkəmz ˈtuː ðə ˈskrætʃ]
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