{"metadata":{"transaction_key":"deprecated","request_id":"019fd0fe-ef20-7851-a313-d6d1427ae406","sha256":"fc913a460862fea41bc44033f1832663c1b5c430e22225ed640b3ef796d334e7","created":"2026-08-05T08:16:55.180Z","duration":4350.672,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":16850,"output_tokens":200},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":18597,"output_tokens":18632},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":18597,"output_tokens":1656}},"results":{"channels":[{"alternatives":[{"transcript":"Hi. Good afternoon, Scott. This is Dana from Okey Financial. Can you hear me at all? Oh, I have. Yes. So sorry. There was, like, there was nothing there. I do apologize about that. Yeah. No. That's okay. I did just leave a message on the phone. It it sort of didn't really ring. It kind of rang once and then went straight through to voice mail. So I'm so sorry about that. I thought I'd try your number as well because you're probably sitting there waiting for me. Sorry. How are you, Lisa? I'm so sorry about yesterday. I do honestly apologize about having to push that one back and or reschedule. But she's okay. It is all sorted. It wasn't serious. Thank god. But she was really, really stressed out and beside herself. Essentially, where I am located in Benora Point, she was turning to go into Woolies, and a car sort of went past the side flight. So he wanted to go in there as well. And so it kind of hit the front of her car. It has caused a bit of damage. He's at fault. But, yeah, she she sent me a photo, and my husband rang me going, are you okay? Like, can I talk to you? And I was like, oh my god. What's happening? She's been in an accident. She's freaking out. I was like, oh my god. So I had get the insurance information and get all that sorted for them. So he ended up taking over it because he was down there, which was great. I'm an hour away from home at work. So, yeah, it we got it sorted. She's okay. I went around last night and checked on her as well, and she's good. It was just the initial, oh my god. And she's only 19. She's got her pay plates, and she's just like, what do I do? How do I deal with this? So a bit scary for them, unfortunately, but she's good. But thank you so much for asking. And, again, I'm very sorry. The last thing I wanted was to reschedule your appointment. So All good. I'm so glad. All good. Well, let's have a bit of a look at things for you both. So just before I jump into the call, I do need to let you both know we do record our calls for quality and training purposes. Are you both happy for us to proceed with that? Yep. Fantastic. Essentially so we had done the advice for you. I know, Scott, we had gone through your advice case earlier, and now your circumstances have changed. So you've dropped some hours, and things have changed a lot for you. How's everything been going? Yeah. You enjoy that? That's good. That's fantastic. And, Lisa, we just wanted to kinda update and do a new advice case for the both of you. Is that correct incorporating your full circumstances looking forward at the retirement aspect and just incorporating everything into that? Does that sound right? Yep. Okay. Consider 50 percent work. Yep. Okay. No worries at all. Okay. Well, let's go through and update all of your circumstances. Now retirement goal wise, are we still wanting the same? I'm sorry. I'm just going back to have a look. Now we both wanted to access super around about the age of 60. Does that still sound appropriate? Yep. Yep. Yep. Yep. Yep. That's okay. And goal was to be able to your income. We're looking at sorry. I'm just getting my screen to work for me. There we go. We were looking at a joint monthly income of $6,000 from super, so 3,000 from each if that works out that way or proportionately based on super balances. Does that sound correct? That's Yeah. No. That's honestly not that high at all. It's essentially 72,000. There are, like, research materials out there. So one of the research materials is ASSA, and they essentially take all the data collected by the all the industry super funds and correlate it together. And they're actually averaging that most couples need to draw no less than about 72 to $76,000 on a yearly basis for a minimum to comfortable retirement. And that's not taking holidays every year. That's just basic standard living expenses. Comfortable retirement to them is covering your mortgage if you still have a mortgage, going out to have lunch once or twice a week, going to the movies a few times, having haircuts and things like that. So in all honesty, that's not very much when you consider the cost of living, fuel, food, electricity. Well, I think, yeah, we did have originally in one of them 6,000 each, and then in the other one, we had 3,000. Scott, I believe yours was 6,000 each originally. And then, Lisa, when I spoke to you, it was a 6,000 combined 3,000 from each. But I'm happy to work on either. What goal would you like me to work for for you? Yeah. Absolutely. Yep. That's absolutely fine. Let's aim for the stars. So yeah. Yeah. Correct. Yeah. No. That is completely tax free. So once you retire and you know that time and phase, there is no income capital gains tax. Everything's tax free in that pension phase, which is kind of really nice after working for basically a lifetime. Mhmm. Yep. Yeah. I can look at that for you. Absolutely. What are your average what's your average monthly expenditure? Yeah. Jointly. Yeah. What do you guys' average expenses every month say? Mhmm. 4,700 per month. Beautiful. Yeah. Yeah. Yeah. Absolutely. I think the main thing we're looking at that now is if, Lisa, you're wanting to drop your hours to 50%, it means dropping your income as well. So if we wanna look at what that means for your sleep or what your contributions look like going in, we wanna also make sure that if we tell you to do that, if we say it's possible, and it means, you know, putting in extra contributions to supplement, we wanna make sure that you're still able to cover your expenditure, the not eating too much of that away. So that's definitely sort of to factor in. When we income wise now so, Lisa, what's your income at the moment? Yeah. Growth. Both. If you can do growth if you want that I can work out. Yep. $8.07 6. Yep. Beautiful. It's about the same. $5.01 $4.08 and 60¢. Beautiful. And per month. Excellent. Full time. Yep. Okay. Perfect. So if you drop down to 50%, we'd assume 50% of your income, so it would drop by about 50%, say. Yep. That's okay. Can I ask what's your what's your hourly rate, and how many hours would you expect to work? Because I can do the math manually Yeah. You're fine. Okay. Let's update that for you. Yeah. So so it's got you on 15 100 per week. No. You're right. All good. 14 100. That's okay. That's alright. So net month net sorry. Monthly. Yep. Double. For monthly. That actually works out better. Beautiful. And that's your that's your current net in that per month. No. That's okay. You're right. No. That's absolutely fine. And what's your hourly rate there, Lisa? Yes, please. Yeah. 3611. Beautiful. And if you drop your hours to fifty so I'm assuming you work thirty eight hours a week at the moment or forty with breaks? Thirty eight. So half that. Beautiful. Just to confirm. I would like to double check and ask those questions just to make sure. Yep. Yep. That's okay. Beautiful. So I'll work on that for you, work on the expenditure side of things. So, Scott, you may mention with your changes, you're only working 50% now. And so just to reconfirm the income, I said you said it was changed 1,400 per week or fortnight. Is that right? Yeah. Are you due to get a payslip fairly soon? Or Out of pay. Yep. That's okay. Worst case, I could even just get used to email me each of you just a copy of your updated pay slip, and I can just go back and work out the math. That's not a problem at all. Beautiful. Don't worry. I've had shockers with computers today waiting for emails to go through and all sorts of dramas and technology is horrible. I'm good with old old fashioned pen and paper sometimes. Yep. That's okay. Easy. What worst case, we can always just get you to email a copy through. I'll probably get you do that anyway just so I have a reference point just when I'm kinda going through and doing the math. I can include that and just double check the numbers and everything. I don't wanna give you incorrect or false information, so we'll make sure that we do all the math correctly there for you. The you guys also sold the investment property last year. All the proceeds of that, did that pay off the main primary residence? How did the how did that all go? Yep. Okay. Yes. Mhmm. Mhmm. Mhmm. Yep. Yep. Yes. Yep. That's okay. Now with the motor home, are you going to need to take out a loan or planning to take out a loan for that, or are you preferring to maybe buy out of cash with the money that you have left over? Yeah. Mhmm. Yep. Okay. Correct. In all honesty, depending on what sort of a caravan you get, if it is older than normally, most same as most cars, you've got to kind of have a value, but most loans end up being unsecured. Even a secured personal loan for that sort of thing is pretty hefty at about between six to, you know, 12%. So, realistically, if you are going to get a try and get a loan, pull it off the mortgage, That way you are paying a much lower interest rate because mortgage rates are lower, and you don't have to go and get the loan again. The other side of that is responsible lending, and I can safely tell you that the AML has changed. So the AML is anti money laundering counterterrorism, and that's essentially looking at you as an identity because there has been so much in Canada in terrorism financing, everything happening with the terrorist side of things over the last couple of years. They've also had a lot of anti money laundering going on as well. They've actually gone back and updated all of those sorts of legislations recently. And it means that whenever we, a bank, nowadays, even an accountant, a a lawyer, and a real estate agent now have to get your ID, confirm how funds are, where funds have come from, how they use the the AML side of things of getting your ID, improving who you are is a much bigger process on the other side of it. It's not as big a process for you guys to see, but it is a much bigger process on the other side of things. So there is a lot more to lending criterias that banks will have to go through to assess everything, which means the cost of that on the other side down the track, I reckon, will probably change. But, realistically, with where you are, you've already got that loan there. You wouldn't have to go through the process of applying for loans, providing your bank statements, going back through the income assessments to get a personal loan, utilizing what you have. And because it's a a very a fixed sorry, a variable rate, and it's a home loan rate, you're technically paying a lower interest than what you would be if you were to get a personal loan. So this that side of things, I would probably look at this. Yeah. Yeah. Yeah. Yeah. Yeah. The motor home. Yeah. How sorry. How much were you wanting to maybe pull out for the for the motor home? What was the cost it's supposed to be? Yep. Yep. Perfect. Yep. Okay. So with the yeah. Absolutely. And so with the assets to sell, is that your shares that you had sitting there as well? Oh, right. Right. Right. Okay. Right. Okay. Okay. Yeah. Beautiful. So the jet skis will go. Wow. And the and the trailer. No. That's okay. All good. And the motor home, is it more of a caravan, or is it more of an actual motor home which you'll drive around? What sort of thing you're looking at for motor home? Yep. Beautiful. Are you gonna be looking to tow a car on the back end of that or just take it and go? No. That's okay. Nice. Nice. All good. Alright. Well, let's just update the assets that we do have here at the moment. So now your main primary residence there, the last valuation we had on that was I had two different valuations. So, Scott, on yours, I had 1.5 mil, and the other one, I had 2.8 mil. How much do you value the property at? How much would it be valued at for you? Yep. Did you want me to put 2 mil on it, 1.9? What do you are you comfortable with? Two is fine. Yep. Fine? Yep. Absolutely. All good. And then I've got the loan information here, so I'll just update that here as well. Beautiful. Offset's all covered. Other assets noted down that we had the motor vehicles. I had them noted as two motor vehicles. One of those, I believe, is a Tesla. Is that right? Yep. Lovely. How much are you trying to sell it for? What sort of value you got on it? Yep. Beautiful. And that vehicle is owned completely outright. No loans on it at all? Yep. Perfect. Excellent. So 55 there. I also have down here the BYD Shark with an asset value of 50,000. Do you still have that vehicle? Yep. Beautiful. Would you value it the same, or do you think you'd change that valuation? 50 55, you said. Sorry. Is that right? Yep. Beautiful. Excellent. And no debt on that one completely outright as well? Okay. How much do we owe on that one? 43,000. Excellent. Beautiful. Let's pop that in there. Fantastic. And then we have the two jet skis, which will be sold down the track here. But what sort of valuation would you put on both those jet skis currently? Mhmm. Yep. Beautiful. Lovely. And they're earned out. Right? There's no loans on those? Nope. Beautiful. And the 55 is for the two jet skis and the trailer as well? Yep. Beautiful. Yep. Beautiful. Yeah. May as well. That's all good. Fantastic. Update that for you. So I'm just updating both the fact lines individually because I have one for each of you, so just making sure it's all good across the board. Fantastic. I've got contents noted down here. So valuation of contents is about 282,500. Would you alter or change that valuation Yep. Beautiful. And the new vehicle there as well. What kind of car is it? Yep. C Line eight. Beautiful. And valuation of that vehicle? 70000. Beautiful. Excellent. And that's a yeah. All good. How much do you owe on that one? Yep. Yep. All good. Beautiful. Okay. Yeah. That's it. 1.89% there. And then the BYD Shark was 1.99 percent. Yep. Beautiful. They are really low interest rates. That's fantastic. Almost unheard of. Yeah. Is that financed with the the car yard? Yeah. Yep. It does sound absolutely. It does absolutely. But, no, that does sound like the car yard's interest rates, which is absolutely fine. Do you guys have balloons on those payments as well once they finish up, or is that completely paid down to nothing? Nothing. Beautiful. No. All good. Fantastic. And you own both those cars in three years, or how often? Yep. Perfect. So two years. Yep. To be owned. And then three for the BYDC line. Beautiful. Are they both electric cars? Hybrid. Yeah. Yeah. Yeah. Absolutely. Yeah. No. I've got a Hyundai and it's hybrid, and I love it. Driving an hour to work, it makes such a difference on fuel. It's easy to fill up. It drives most of the way electric, and it's just so much easier. It works. It works. Fantastic. It's amazing, isn't it? Especially for us to feel all good. Excellent. Now the other thing to sort of look at so we've updated all your assets and liabilities there. Is there anything else asset or liability wise that we should probably update or note down as anything different to what we had or anything new? No. Not that one. So the unit in Wollumburn, that's okay. Let's update that one. So that's a unit. What sort of value would you put on that one? Yeah. Wow. Yep. Beautiful. And do you have a loan on that you've owned outright? Beautiful. Yep. Okay. Perfect. Alright. Yep. Yep. Beautiful. Yep. Beautiful. It's good as the canna for in the wheel. Is fantastic. They're fully owned, and your parents are living in it. Do they pay anything in rent or anything, or they're just living in it rent free? Beautiful. Yeah. Yes. That's okay. That's absolutely fantastic. Beautiful. Fantastic. Thank you for updating that. And, Scott, you still have shares with BHP. Do you still have those? You sort of mentioned that you are still having those purchased out of your wages every month or fortnight? Yep. Beautiful. Do you know how many shares you have or what the current value of those are? 80,000? Yeah. That's okay. Oh, that's fantastic, isn't it? Yeah. 80 8,000? Beautiful. So that's the 80 eight thousand. 80 thousand. Do you want me to rounded off to 80,000 knowing it could definitely change in the future. Yeah. That's Absolutely. Yeah. Beautiful. And with those shares, is the intention just to keep holding them until you need to sell them down the track maybe in retirement? Or yep. Yep. Yep. Beautiful. When we look at sort of those sorts of shares and things, realistically, selling them when you're younger, when you're still working, obviously, there's a CGT effect there for you. So if you can hold on to them and don't have to sell them until you get to retirement, then we can look at a way to sell them in retirement. So you're hopefully on a lower tax rate, which can affect make the CGT lesser, and also maybe selling them down in increments so that we can do it in proportions as well. So down the track when that comes, we can always help them look at that for you. Okay? Excellent. Beautiful. So I've got everything basically here. You mentioned, sorry, with the Willumburn unit. Now that isn't a will. There's no kind of what happens to that property when your parents pass away, and I'm sorry to sort of touch on that. Is the intention to then keep it and rent it out, or what sort of is meant to happen to that in the future? Yes. Yes. Okay. So possibility to sell in the future. That's a long time in the future. Your parents have a nice long life ahead of them. That's what we want. Beautiful. Yep. Yep. Yep. No. That's okay. Not a problem at all. Excellent. Well, thank you for updating those. Now just sort of re going back to the estate planning side of things, last time we sort of touched base with both of you, both confirmed you had an upstate will and power of attorneys. Do those documents, have they been reviewed in the past? Are they still do do you know are they still reflective of your current circumstances? Do you feel like they need to be updated at all? Nope. Yes? Beautiful. No. Beautiful. I love that. Yeah. Lovely. Yeah. Lovely. Excellent. All good. And now your daughter, she is is she older than 18 or under 18? How old is she? 28. Beautiful. Working nontax nonfinancial dependent. Do you guys still help her in any way? Independent? Lovely. Oh, beautiful. Rancho. Excellent. Do you have a boy, girl? No. No. So I'm quite not. I've got my eldest two, 19 and 20, and my youngest is 10, so we're not quite there yet. We had a third a few years apart. But he is honestly really cool. I kind of like the boy as well as having girls. It's a very different vibe. No. That's beautiful. Yeah. How do you like being grandparents? I've always sort of thought, like, I'm sure that's coming up in the horizon for me, but how do you guys feel being grandparents? How do you like it? What's the the vibe feel? I bet. Oh, you get to say yes. Oh, I love that. You get to say yes all the time when mom would probably say no. Oh, that is absolutely beautiful. I love that. That's fantastic. And beneficiary wise, in the event of passing, am I correct in assuming that if anything happened to either of you that you just want each other to receive the super benefits and any life portions paid out. Is that correct? Yep. Beautiful. I know I had all of this in your last two advice documents, but because I'm doing it again, I'm gonna update all those aspects as well. So this will be a pretty big advice piece, but that's absolutely fine. It'll touch base on everything we've gone through and just update all of your circumstances as well. Okay? It's yeah. Yeah. Absolutely. Definitely. And that's the other thing I sorta wanted to touch base on was something I couldn't sorta touch base on before. So, obviously, with, Scott, you're and you're comfortable I just have to confirm, Scott, you're comfortable with me talking about your super. Are you happy with this? Yep. Perfect. Lisa, you're happy with me talking about your super balances and things? Yep. Perfect. Just wanna make sure I did the right thing by both. Essentially, with your super so, Scott, you're in Hub 24 at the moment. And one of the things, when we sort of did your advice, Lisa, we did recommend moving into Hub 24. One of the things I was not able to recommend at the time because I didn't have both of you there was linking your supers together. This is actually great because we can talk about that. Essentially, what we do, if I recommend it, I probably will because it works out better, but I will still do my due diligence and go back and reassess. But in the back end, we can link your super accounts within Hub twenty four under what's called a family fee aggregation. That links everything in the back end, and that means whenever you guys log in to your Hub 24, you can see both of your supers sitting there. You'll see both of your super balances. You can cross between the two. But doing that gives you the benefit of lowering your admin fees in the back end. So you get discounts on administration fees and things like that. It can actually reduce your fees, Scott, even more than what they have. And then, obviously, it helps to reduce leases fees as much as possible as well. Are you both comfortable with me doing that? Yep. Beautiful. There's another thing I do like to do when I'm talking to couples together as well, and I sort of initially plan to come back and talk to you about it as well. But we can also add what's called a third party ex sorry. Third an external third party authority. That essentially means that we put that on file for both of you. So if something happens, it means that, Lisa, you can call and talk to us about Scott Cooper and get information and reports and things like that. But it also means, Scott, you can do that for laces. I like to kind of put that for because if one of you unwell in hospital or something's happening, it means that you can call and talk to us. You can't make changes on each other's behalf, but it does mean that we can sort of liaise with each of you, and it tends to work really well for couples. Would you like us to apply that to this to our file for each of you as well? Yep. Beautiful. Lovely. I'll get those done up and sent through to you guys before we do the advice. So that way, we can have them set up on the file. That way, in the meantime, if any of you have any questions or need anything, you can still liaise with us. The e t p a is on file and active for the each of you. Okay? Beautiful. Excellent. As I kinda mentioned before, we do have a new there are new AML legislative requirements. So before providing the advice, now I do have to get a copy of your ID, Lisa. So I'm gonna send through a link, and so it looks like your ID on file has expired as well. So what I'm gonna do is I've gotta generate a link to send through to you both just to get an AML completed to get your ID done. I'll see if I can log in to this for you while I have you on the phone here because it's the first time I've actually used this. I do apologize. Beautiful. So this is just a secure way. So what we used to do is we used to just ask you via text message or email to provide a copy of your ID. Doing it this way is much more secure for you both. It's essentially the system sends you an email link. It asks you to follow the prompt just to take, like, photos of your back in front of your ID and generally yourself as well. And this way, it's much more secure, so we're not getting anything via text message. This is all approved by the f triple a, so the Financial Planning Association of Australia in unison with ASIC. So it's much better for you to do it this way. I'm just gonna go in, sorry, and set it up because I have to prompt it to send through to you, and I've gotta answer a couple of questions to begin with. Sorry. It won't be two seconds. Just logging in. My computer's a little bit slow this afternoon. There we go. Oh, it's not working. Sorry. It's still telling me there's an error. I had trouble I was logging into this yesterday to test it for you before I sent it through, but it's still causing a problem for me. Come on there. Alright. Still not working. Done. That's okay. If it's okay, I will get this updated. There seems to be a problem with the login, and I think it's on the end of the the system. If it's okay, can I get Maddie to follow-up with you both just to kinda send that link out and get a copy of your ID organized through price, the advice being completed? Is that absolutely okay with either of you? Yep. Fantastic. I'm so sorry about that. I love technology when it wants to work for us. All good. Now the other thing to have a chat about is the insurance side of things as well. So in the original advice piece, so, Lisa, with your advice piece, you have your life, your TBD. I'll double check, and I'll get you to resend me an updated statement for your super funds with the updated balances and insurance side of things. But you had about a 106,000 in life and TBD within Brighter Super there, and we were recommending to retain your income protection through your employer because that was a fantastic policy. The main sort of reason for retaining the life and TPD was that you were comfortable with the amount of cover looking at your balance plus the life cover if anything had happened based on the loan that you still had owing that was gonna cover the mortgage side of things, and you were fairly happy with that. Do you feel like you wanna look at any additional insurances, insurances, or are you still happy with that 106,000 more focused on getting super balance increased? What's your thoughts? Still happy to keep it? Yep. Beautiful. Excellent. That's okay. Excellent. That's okay. Excellent. And we'll still look to retain the income protection policy. That was actually a really fantastic policy. I really enjoyed researching that one. That policy, even when you drop your hours, there should be no change. That policy, that will still stay in place as it is. Do you know if there's any changes that would be expected with that income protection policy aside from the amount they would pay? No. That's okay. Should say beautiful. I still have the PDF documents, though. I'll still just run through just to make sure that everything is still okay if you drop your hours there. The other thing we did talk about initially was trauma. So trauma, if you decide to take on trauma, isn't more of an out of pocket expense. Unlike life, PPD, income protection, you can't hold trauma inside super. Trauma tends to pay out a lump sum tax free benefit in the event that you'll stay diagnosed with, say, Parkinson's, MS, or neurological conditions. Cancer's a big one. Also, heart attacks and strokes tend to pay out as well. Did you wanna look at getting a level of trauma to cover you in the event of something major occurring, or are you happy just to keep the covers you have not worry about trauma? How do you feel there, Lisa? You don't. I'll pull up yours. Sorry. Two seconds. I'll just pull it up. I do have your policy here. I'm pretty sure you don't. I'm pretty sure you just have the license EPD and some income protection. Scott Yes. It's got yours. It's with Zurich, and you've got 300 and sorry. 525,000 of life and TBD, and then you've got income protection as well. Yeah. Yeah. No. That's okay. All good. Happy with not having it, Scott. Easy. Income wise, your income protection was based on, obviously, your last income. You've dropped your hours pretty significantly there. Did you want me to review the level of income protection and maybe look to reduce that back if it's if if you're a bit over insured at the moment? Yep. Yeah. Absolutely. I mean, with your life, TPD, and income protection, they're all paid out of super, which is a benefit because it means that you don't have to pay those premiums out of your back pocket. However, because they are paid out of super, it does mean that it does have an effect. That does lower the amount of super we'd expect you to end up in retirement. And all insurance premiums tend to get more expensive as you get older. So these will continue to get more expensive, which has a greater effect. So we will definitely wanna make sure we review them with you and try to reduce them back as you no longer need that level of cover. Because I have seen people in their, you know, fifties and sixties who are paying phenomenal premiums. I'm talking, like, $10.15, $20,000 in premiums. So we just wanna make sure that you guys are not having all your super easy way. Yeah. Correct. Correct. Well, let's have a look at that. Yes. So yeah. Correct. Correct. Yeah. Correct. So let's have a look at your super balance and see where that's up to. So given that your mortgage is basically fully off offset, even if you do, say, take a bit of money out, you said you'd probably take about 100,000 out of that for the the purchase of the caravan or the the motor home. Yeah. So just looking at things, that realistically means in the event of, say, you passing away, in order to be debt free, it'd be looking to pay off that portion of the mortgage that you do use, but then also the car loans if it's within that time frame. So yeah. I'm just logging in to HubSpot real quick. Yeah. Absolutely. Absolutely. And it comes down to your goal there. So when you look at your super balance at the moment, your balance as of today's date, you've got 699,532. So when we sort of look at this, if you were to pass away today and say, at the moment, your mortgage is fully offset, so you don't have to worry about paying that back. But then looking at the other debts that you do have, you've essentially just got the two car loans. So 43 thousand and 70. So it's about a 113,000 that would have to be paid off in debt. So $6.99 $5.03 2 minus a 113 essentially means with your super balance paid at as your life benefit. This is not factoring in any additional life insurance. It means that Lisa could then receive $586,005.32 plus you guys being fully debt free there. Realistically, do you yeah. Do you feel like that's enough? Do you feel like having a bit of life cover on top of that would provide more benefit? How do you feel about that sort of stuff? You just Yes. Yes. Yeah. At the moment, based on the last valuation I have of your premium, it was 3,795 deducted from super for the insurance costs. I mean, if you wanted to, I could look at even just halving the insurances to start with, and we maybe drop it to 250,000 to give you a base level of cover, and then we could always look to reduce it back. That would sort of mean that in the event of passing, if you had $2.50 and factoring in the fact that you wanna get that camper as well, so then say it would replace the 100,000 as a max on the loan if you redraw that off, plus the 113,000. That's $2.63. So the $2.50 would cover all your debts essentially. 10 yeah. There's, like, just a 13,000 left over to maybe come out of your super to benefit, but then it means that all of the super can be paid to Lisa as a benefit to sort of help her along. She can, you know, put it aside, invest, whatever she wants to do. The money also paid as a death benefit doesn't have to be paid as a lump sum. So the way death benefits work is if you were to pass away, we help with the claim, but then you get the choice of taking the money out solely as a lump sum benefit, or it can stay in the super system, and it goes into a a death benefit for you as a pension. And you can be drawing that money out of the pension on a regular basis as regular income and keep it invested. So if one of you would have passed away, that's how your super benefit can be paid. You get options on how you wanna do it, and we will help provide advice on how, obviously, to help keep it invested your income, or you can just take it as a lump sum. It's completely up to you. But that's generally how they work. Yeah. Yes. Mhmm. Yep. Yep. That's okay. Yep. Yep. I can look at both if you like. What I could do to assess it is I can look at halving it. Because at the moment, because your income protection is together, you get the multi policy discount. So I'll look at halving the policy to $2.50, but then I'll also look at canceling it. If it makes your income protection more expensive because it can, I'll keep the there. If I assess everything and it's better to cancel a life and TPD, the income protection doesn't go up as crazy, and this also helps your super balance projected forward, then I can always look to cancel it and justify that for you. Does that sound okay? Yep. Beautiful. I'll assess both options and let you know how we how it looks in the advice document. What I'll do in the advice document, I'll put down what I'm recommending we do, how and why the risks, disadvantages, as advantages as well. And then in the appendix, I can put the other alternative for you so you can see the difference. Does that sound okay? Yep. Fantastic. Beautiful. And, Lisa, you may mention you're happy with the life and TPD, the the amount you have within Brighter Super because you've also got your q super defined benefits still, and that does pay out a lump sum. Or it pays that either a lump sum or an income stream in the event of your passing. And that can definitely go to Scott there as well. So your super balance is pretty pretty nice between the two, and that defined benefit is beautiful as well. Are you happy just for that life and t TPD amount? Yep. Beautiful. Having a look the last advice piece we had just with the balances, and they definitely could have changed since then. So I will get some updated statements if that's okay just with the amounts as well as the insurance benefit amounts. But the amount we had within Brighter Super at the time of the last device was about $481,007.91. And then in that sorry. You're right. Beautiful. And the q super balance was quite nice as well. But do you know what the what that would have indexed to or increased to since that's okay. We had one forty two six seven four in there last time. And 41¢. Beautiful. That's indexed quite nicely. That's fantastic. Love that. Beautiful. It is absolutely so both of those combined. Yeah. So with the defined benefit, that essentially is as we recommended before, I will not change or move that in any way. It will just stay where it is for the time being. But as things change as you get older and we're able to look at moving it, we'll assess whether keeping it there or moving it and combining it works better for you and look at, you know, how that affects your super. But for the moment, keeping that exactly where it is, that is a beautiful super fund. I do love myself a good defined benefit. I do wish they had them. I asked my boss to set one up, and he told me no. But they they are a really beautiful super fund. Yes. Absolutely. And even between even between 55 and 60, there are often tax consequences as well. So we can assess that at 55 and to see what the consequences look like and see we can get projected outcomes on or quotes on what it looks like if we transfer it across. But then we can also get that done at 60 to see what the difference is to make sure that you get the most of that benefit amount. Okay. Excellent. Beautiful. Lovely. So just to kinda recap, I'll look at the supers. Scott, we have just made changes to your investments as well. They are doing very, very nicely, actually. So I'm also just gonna give you an update on the performance since we did that because that was a few months ago now. So looking back sorry. It's just loading the report for me. Still loading. Sorry. Goodness. It is Oh goodness. This is taking a long time to load. Definitely shouldn't be taking that long. That's loading. So I'll let it load for a minute. Hub 24 is feeling a little bit slow this afternoon. That's okay. While that is loading, I'll just sort of go through your risk profiles as well. So I don't wanna go through the 14 questions there with you, Lisa, and make you answer all those again. But, essentially, just wanted to kinda reclarify that they are comfortable for you and give you the information on how they work, what the risk profile all asset allocations are, and talk about the appropriateness of them for you both. So, Scott, you're in that growth environment. Lisa, I'm pretty sure you scored the same. I'm just double checking. Yes. You did. Yeah. So the growth environment suits someone who is wanting to access their super no earlier than six years to someone who's wanting to keep their funds invested for six years or longer. So it does suit the time horizon that you both definitely have. It normally sees about 80% of your super invested in growth assets. So think about things like Australian shares, international shares, listed property, and also commodities, and then the other 20% in lower risk defensive investments like cash, bonds, and fixed interest. If you consider the risk level out of, say, five, five being the highest risk level, all money in those high risk assets, one being the lowest that's sitting all in cash, you're sitting at about a three. So you're kind of in that middle range there. The growth portfolio generally expects the likelihood of a negative return, say, one in every five years. The expected returns that you're sort of wanting to achieve on a yearly basis, compound and forward, is between seven to 9%. So anything under that 7% for the year, the portfolio has underperformed. If we are getting those sorts of lower returns, we wanna make sure that the market as a whole has also been down. That way, it sort of shows that the return being lower is because of market reactions, not because portfolio hasn't performed. If that's the case, it means that there's something wrong with the portfolio, not the market as a whole. And then anything over 9% is essentially an overperformance there. A lot of the portfolios do get more than 9%. Overperformance there. A lot of the portfolios do get more than 9% or have averaged more than 9%, and we wanna aim for the best possible return. But we sort of look at the seven to 9% as an average of what you should be able to achieve in that risk profile given the risk you are taking and the type of asset allocation that you have. Does that make sense? Do you have any questions? Do you both feel comfortable in that sort of Absolutely. Yes. Absolutely. And, normally, because of with this risk profile, it does fit a six year time horizon. I normally would not want you to be in this for any longer than you need to be. So when you do get about sort of six years out, we do wanna look at maybe reducing the risk level a bit for you guys, and we start to reduce it in increments. So we step down generally in 10% increments. That way, it's not a drastic change to your risk level, your portfolio, but it steps you down in increments towards being lower risk towards your comfort level at that retirement age. Does that make sense? Yep. Beautiful. Are you both fairly comfortable looking at the growth portfolio? You're welcome to let me know if you're not. You're welcome to ask any additional questions if you have them. Yep. That's okay. You're comfortable in that environment there, Lisa, still? Yep. Beautiful. All good. Hub 24 just timed out on me, so I'm just gonna redo that portfolio for for you so that that hopefully it loads. Here we go. This one loaded faster. Alright. So having a look at things, since we did make the changes that Scott looking at the last three months, your portfolio wow. Your portfolio has made a return of 7.50% after fees. That is in three months. Yeah. Yeah. That essentially shows so when we look at the the returns, we're looking at growth plus income, and it's generated growth plus income in the last three months of 50,523. So it is a good return. Good to see. Good yeah. And, look, honestly, I don't expect us to do that every year. We made the changes in the portfolio. That's had a really good effect, and I'm pretty stunned that that return is in a three month period. Normally, in a three month period, you don't see more than, say, one, two, or maybe 3%. But as your balance increases, smaller changes to your portfolio make bigger bigger returns, and smaller changes have a bigger effect on your super. So that is a really great change. Really happy with that, and it does show you the newer portfolio is working better for you as well. So that is really good. Yeah. Excellent. All good. So just to kind of reiterate around the advice scenario, we're scoping in and looking at super for you both, making sure that's got your super and the portfolio is working forward well, looking at your new current yeah. Looking at your new current income. And are you still wanting me to factor in additional contributions if they need to be made to cover? Yep. Cool. Yep. Yep. Yep. Yep. Lovely. Yep. That's okay. Did you want me to include that as, say, salary sacrifice, or did you wanna sort of hold off until the end of the financial year and do it as a lump sum? What would you sort of what are you comfortable with? Honestly, salary sacrifice works out better because you're putting more more amounts in on a regular basis. Correct. And then you dollar cost averaging. That provides a much greater effect long term. If you're comfortable with that, that's what we'll look at for you. Yep. Beautiful. Yeah. Absolutely. Fantastic. I'll assess what you have to cover the cap. I do sometimes, depending on discrepancies with income, I do tend to maybe leave, like, a 1 or $2,000 gap depending on what it is. Correct. But I'll just make sure that we sort of factor that in for you and show you what that looks like. Excellent. Lisa, so with yours, again, looking at your super with your rider super, we'll definitely have to retain the Qsu, but I'll factor that into the advice there for you the same as I did last time. Last time, we did look at the SMA. I might even just look at that again if that's okay for the investments, but I'll also look at the same sort of investment portfolio that Scott is in because that might actually provide a greater benefit to you. Are you comfortable with that? Yep. Beautiful. And you want me to look at your income to determine if you're able to drop back to 50% hours as well, cover expenses for the two of you, and also look at whether you're able to then cover contribution gaps and build super towards your time. Am I on the right track? Do I have that correct? Yep. Yep. Yep. And still live. I love that. I love it. No. All good. Excellent. With the insurance side of things, Scott, I'll look at yours, what you have now, look at your income protection, factor into your income, and work out whether we need to reduce the rate so that you have the maximum benefit, that you're not over insured and not overpaying for the income protection side of things. I'll also look at the life and TBD, look at halving the level and also canceling, look at what that does projected outcome as well as, cost of your insurances, and look at whether we can just reduce the half or get rid of completely. But, realistically, if anything was to happen, goal wise insurances, you're both just wanting to make sure any debts that you have that's factoring in the 100,000 taken off the loan for the purchase of the motor home as well as your current vehicle loans is covered, and then funds are provided to your to your spouse as a benefit. Is that right? Am I on the track? Did you wanna add anything to that goal at all? Nope. That's okay. Excellent. Beautiful. We're not looking at trauma. And, Lisa, for your insurance, as you're happy with the amount you have in Brighter Super, just looking at trying to transfer that over where possible, and then also just making sure everything's projected forward. Your super is correct. Link everything in the back end to lower fees as much as possible as well and retain your q super. You'd happy to retain your income protection with your employer there as well, and no trauma for each of you. Does that sound right? Yep. Beautiful. Fantastic. We're happy to stay in a growth portfolio environment for the time being, looking at the best way to move things forward, salary sacrifice for both of you there, and then beneficiaries, making sure that everything is directed to each other in the event of passing prematurely. Is that correct? Yep. Beautiful. Excellent. Is there anything else that I might have missed that you might want me to factor in for you? Okay. We'll need to update that for you. Then Easy. Not a problem at all. What we will do is I'll factor that into the device. We'll have your name updated. It's not a problem at all. As part of the implementation process, we'll just get a copy of your marriage certificate. We'll do the ID side of things, and we'll get the forms sorted and over to them so we can help you change the name prior to, transferring any funds over to hub twenty four, but we can help you with that process. That's not a problem at all. Okay? Excellent. Yep. Yep. Abs absolutely all good. Just with the fee structure now, it is exactly implementation fee for yourself, Lisa, was $4.09 $5.00. That is deducted out of your super at the initial role over there. Scott, you're already a client, so there's no implementation fee for your side of the advice. And then the ongoing service fee for the first year is 1.10%. We obviously do reviews with you and then, you know, go through the fee structure each year. If there's any changes down the track, I'll talk you through that before we agree to anything. But it's 1.10 for you as the couple fee currently. And then once you come on board, Scott also gets reduced from the 1.65. Does that make sense? Do you have any questions currently? No. Fantastic. Excellent. And what I'll do is I'll get Maddie to update to go in and help me with the the ID side of things. Yep. We'll get that link. She might just need to call you to get the information from your Lisa for the ID link to send out, but we'll try and work on that hopefully tomorrow. And I'll see if Maddie can give you a hand with that one. We'll see if we can log in to it okay. Excellent. Is there any additional questions or anything that you guys think I might have missed or anything else that you need to bring up or any questions that have come out of any of that? Fantastic. And what I'll do is I'll also just send you an email. If you can send me, Lisa, a copy of your super statements for your Brighter Super, your QSuper showing the balances, and also the insurances for Brighter Super. And if I can get both of you just to send me a copy of your most recent payslip as well, I just need all of that to be able to go forward and do the research and just double check all the figures and make sure everything marries up for you both. Okay? Okay. It they're both exactly the same. Just the most recent one you've got will be absolutely fine. Yes. Don't want you to have to go in and yeah. Yep. Yep. Beautiful. That's absolutely perfect. I'll send the absolutely perfect. I'll send the email now so you can shoot those back whenever you got a second. We'll get cracking on the research there for you. I do kind of expect it to take me about four weeks to complete the research correctly. I'd love to book you both in now so we have that time slot set. So in four weeks, we are at oh, yep. August already, nearly. One, two, three, four. That brings us to the first week of September. I am fully open that week. What day would suit you both to go through the advice piece together? Yep. I actually work late till 7PM on a Thursday. Would you like me to book it for then? Yep. Beautiful. And would you prefer four, 04:30, 05:00, 05:30? What time suits you best in the afternoon to go through it together? Yep. Absolutely. Fantastic. So I'll book it in for 5PM there for you. That is Thursday, September 3, and I will make sure everything is up to date and completed by then. The only other thing, just to sort of reconfirm for you, Lisa, is just the pre assessment that we did. Just need to run through a couple of questions with regards to transfer terms as the cover just to make sure that we've done all of that correctly research wise. And before I do go through those questions, I have to read you a Sorry, guys. I'm nearly done. I promise. So alright. So I've got the pre assessment questions here in front of you. I just gotta read the duty of disclosure. So just because these questions will also factor into the application side of things. I know Maddie would have gone through them with you last time, but this is just sort of updating to make sure there's no changes to your circumstances there. But with the duty of disclosure and reasonable care. So it says when applying for insurance, it is important that you answer the following questions. To the best of your knowledge, as the applicant, you have a legal duty to take reasonable care not to make a misrepresentation to the insurer before the contract of insurance is entered into. If this duty is not met, it can have a serious impact on your insurances such as your policy may be voided, or the terms of your contract may be changed, declined, or the benefit reduced. More information about the duty to take reasonable care can be found in the product disclosure statement, which I will provide with the advice document for you. I can also attach to the email shortly if you'd like a copy prior. Do you understand your duty of reasonable care? Yep. Beautiful. And privacy policy, when we get to the application side, do you consent to us providing your and collecting your personal information for the use of applying for insurances or transferring insurances in accordance with the insurance privacy policy? Yep. Beautiful. Excellent. Now the questions for this are nice and simple ones. It says, are you currently off work or unable to perform your normal full time duties of your occupation on a full time basis? So no your normal duties. No. Beautiful. Excellent. The next one here is, have you in the last twelve months been absent from work or unable to perform your duties of your usual occupation or been unable to perform any domestic duties, anything other than being off work for, say, six days with a cold or a flu? No. Fantastic. The next one here says, have you been diagnosed with or do you suffer from an illness that may cause inability to work, or have you been diagnosed with a terminal illness? No. Fantastic. Have you ever had an insurance application for death, death and TBD, terminal illness, or income protection, or accident and sickness ever refused? No. Fantastic. Have you ever been paid, or are you eligible to be paid, or are you currently in the process of submitting a claim for any illness or injury through the workers' compensation fund, government benefits, or any insurance policy providing terminal illness, TBD, income protection, or accident or sickness cover? No. It's beautiful. And have you ever had an insurance application for death death and total permanent disability, income protection, terminal illness cover modified or offered on nonstandard terms. No. Beautiful. Thank you so much for that. So sorry. Those are very wordy. They're small questions, but they're very wordy. I love it. Thank you so much for that. That's the only part of the pre assess beautiful. That's the only part of the pre assessment we need to essentially look at for you. Now I'm just confirming. So you currently work a thirty eight hour week. If we drop that to half, you'd be working about nineteen hours per week. Beautiful. That's the only other thing I'll double check with the insurer and the terms is making sure that that many hours is fine. It shouldn't be a problem because it's only life and TPD that we're transferring. It doesn't have income protection effects, so that's okay. That is honestly everything I need at the moment. If I do have any additional questions, I will make sure I contact you. But thank you so much for your time. I'm sorry. It's been a long call. Just want to make sure we touch on everything for you guys, and I'll get this advice document ready. I'll send you the email shortly, and Maddie will follow-up there with the the ID checks for you both. Okay? Easy. Thank you so much. I'll let you go to enjoy your dinner. Sorry about the time. Thank you so much for your time. I really appreciate it. Have a good night. Thank you. See you later. Bye.","confidence":0.9974687,"words":[{"word":"hi","start":13.759999,"end":13.965,"confidence":0.99525964,"punctuated_word":"Hi.","sentiment":"neutral","sentiment_score":0.10207577049732208},{"word":"good","start":14.045,"end":14.205,"confidence":0.99927646,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.2533728778362274},{"word":"afternoon","start":14.205,"end":14.445,"confidence":0.99654174,"punctuated_word":"afternoon,","sentiment":"neutral","sentiment_score":0.25660479068756104},{"word":"scott","start":14.445,"end":14.845,"confidence":0.99916255,"punctuated_word":"Scott.","sentiment":"neutral","sentiment_score":0.26162007451057434},{"word":"this","start":14.845,"end":14.925,"confidence":0.9998301,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.18449227511882785},{"word":"is","start":14.925,"end":15.085,"confidence":0.9993605,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2079073041677475},{"word":"dana","start":15.085,"end":15.325,"confidence":0.95409375,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.1418721079826355},{"word":"from","start":15.325,"end":15.565001,"confidence":0.9991352,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.16140341758728027},{"word":"okey","start":15.565001,"end":15.885,"confidence":0.33929598,"punctuated_word":"Okey","sentiment":"neutral","sentiment_score":0.14657387137413025},{"word":"financial","start":15.885,"end":16.385,"confidence":0.9913589,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.1444111317396164},{"word":"can","start":16.445,"end":16.605,"confidence":0.9997632,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.0795656368136406},{"word":"you","start":16.605,"end":16.765,"confidence":0.9993498,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08336278051137924},{"word":"hear","start":16.765,"end":16.925,"confidence":0.99937844,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.05740484595298767},{"word":"me","start":16.925,"end":17.085,"confidence":0.99970275,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06124289706349373},{"word":"at","start":17.085,"end":17.165,"confidence":0.98977125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06542076170444489},{"word":"all","start":17.165,"end":17.665,"confidence":0.9996332,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.06794823706150055},{"word":"oh","start":19.325,"end":19.825,"confidence":0.959185,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.02459467202425003},{"word":"i","start":22.925,"end":23.165,"confidence":0.9982211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01816694065928459},{"word":"have","start":23.165,"end":23.485,"confidence":0.9700173,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.00028705596923828125},{"word":"yes","start":23.485,"end":23.885,"confidence":0.9288573,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03126010298728943},{"word":"so","start":23.885,"end":24.125,"confidence":0.9836479,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05657143518328667},{"word":"sorry","start":24.125,"end":24.605,"confidence":0.997687,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.11501950025558472},{"word":"there","start":24.605,"end":24.765,"confidence":0.7751458,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.13307413458824158},{"word":"was","start":24.765,"end":24.925,"confidence":0.7035654,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":-0.1541753113269806},{"word":"like","start":24.925,"end":25.165,"confidence":0.995111,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.17059503495693207},{"word":"there","start":25.165,"end":25.325,"confidence":0.9985789,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.21652038395404816},{"word":"was","start":25.325,"end":25.485,"confidence":0.99847394,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1992960274219513},{"word":"nothing","start":25.485,"end":25.805,"confidence":0.9997906,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.18444038927555084},{"word":"there","start":25.805,"end":26.205,"confidence":0.94586587,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.17509585618972778},{"word":"i","start":26.205,"end":26.365,"confidence":0.9812873,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11442427337169649},{"word":"do","start":26.365,"end":26.525,"confidence":0.7044033,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06538183987140656},{"word":"apologize","start":26.525,"end":27.025,"confidence":0.9998429,"punctuated_word":"apologize","sentiment":"neutral","sentiment_score":-0.09490516781806946},{"word":"about","start":27.085,"end":27.404999,"confidence":0.9996979,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0974181592464447},{"word":"that","start":27.404999,"end":27.904999,"confidence":0.99947613,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.07485240697860718},{"word":"yeah","start":33.420002,"end":33.920002,"confidence":0.9922211,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.029540324583649635},{"word":"no","start":34.38,"end":34.620003,"confidence":0.96673036,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1076326072216034},{"word":"that's","start":34.620003,"end":34.86,"confidence":0.99746394,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.050473447889089584},{"word":"okay","start":34.86,"end":35.260002,"confidence":0.9982439,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.013474689796566963},{"word":"i","start":35.260002,"end":35.420002,"confidence":0.999665,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06043322384357453},{"word":"did","start":35.420002,"end":35.66,"confidence":0.99820554,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.016014035791158676},{"word":"just","start":35.66,"end":35.9,"confidence":0.99610883,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.041909534484148026},{"word":"leave","start":35.9,"end":36.14,"confidence":0.9993298,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.07513745129108429},{"word":"a","start":36.14,"end":36.22,"confidence":0.9986872,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.043119750916957855},{"word":"message","start":36.22,"end":36.620003,"confidence":0.99977416,"punctuated_word":"message","sentiment":"neutral","sentiment_score":-0.07215532660484314},{"word":"on","start":36.620003,"end":36.7,"confidence":0.64022887,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05691104009747505},{"word":"the","start":36.7,"end":36.86,"confidence":0.9874873,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06072226166725159},{"word":"phone","start":36.86,"end":37.1,"confidence":0.99657583,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":-0.03954118490219116},{"word":"it","start":37.1,"end":37.34,"confidence":0.9996113,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.1540505588054657},{"word":"it","start":37.34,"end":37.5,"confidence":0.9782139,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.17295444011688232},{"word":"sort","start":37.5,"end":37.74,"confidence":0.99732023,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.17786091566085815},{"word":"of","start":37.74,"end":37.9,"confidence":0.9980071,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17255355417728424},{"word":"didn't","start":37.9,"end":38.14,"confidence":0.9990735,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.18488280475139615},{"word":"really","start":38.14,"end":38.46,"confidence":0.9998222,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.20632082223892212},{"word":"ring","start":38.46,"end":38.7,"confidence":0.988824,"punctuated_word":"ring.","sentiment":"neutral","sentiment_score":-0.16795895993709564},{"word":"it","start":38.7,"end":38.86,"confidence":0.9992011,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.21365903317928311},{"word":"kind","start":38.86,"end":39.1,"confidence":0.98841256,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.19072553515434265},{"word":"of","start":39.1,"end":39.260002,"confidence":0.9988372,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17230142652988434},{"word":"rang","start":39.260002,"end":39.58,"confidence":0.7786398,"punctuated_word":"rang","sentiment":"neutral","sentiment_score":-0.12629079818725586},{"word":"once","start":39.58,"end":39.9,"confidence":0.9981798,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.09783237427473068},{"word":"and","start":39.9,"end":40.06,"confidence":0.8450155,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08459682762622833},{"word":"then","start":40.06,"end":40.22,"confidence":0.99654514,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.09187213331460951},{"word":"went","start":40.22,"end":40.46,"confidence":0.99620014,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.10679294168949129},{"word":"straight","start":40.46,"end":40.78,"confidence":0.99963653,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":-0.108596071600914},{"word":"through","start":40.78,"end":41.1,"confidence":0.999624,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.08847443014383316},{"word":"to","start":41.1,"end":41.260002,"confidence":0.99824595,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1264934539794922},{"word":"voice","start":41.260002,"end":41.66,"confidence":0.9691149,"punctuated_word":"voice","sentiment":"neutral","sentiment_score":-0.1080869734287262},{"word":"mail","start":41.66,"end":42.14,"confidence":0.8863501,"punctuated_word":"mail.","sentiment":"neutral","sentiment_score":-0.1095234751701355},{"word":"so","start":42.14,"end":42.46,"confidence":0.9989882,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07589549571275711},{"word":"i'm","start":42.46,"end":42.78,"confidence":0.99615085,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.16899216175079346},{"word":"so","start":42.78,"end":43.02,"confidence":0.9839399,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.19325125217437744},{"word":"sorry","start":43.02,"end":43.34,"confidence":0.999421,"punctuated_word":"sorry","sentiment":"neutral","sentiment_score":-0.1982788592576981},{"word":"about","start":43.34,"end":43.5,"confidence":0.99773043,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.26906710863113403},{"word":"that","start":43.5,"end":43.845,"confidence":0.91424805,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.19747841358184817},{"word":"i","start":43.845,"end":43.925003,"confidence":0.9986547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06287090480327606},{"word":"thought","start":43.925003,"end":44.005,"confidence":0.9982729,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.05962648615241051},{"word":"i'd","start":44.005,"end":44.325,"confidence":0.9843403,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.023759786039590836},{"word":"try","start":44.325,"end":44.565002,"confidence":0.9988919,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.02024379000067711},{"word":"your","start":44.565002,"end":44.725002,"confidence":0.99977666,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.012398939579725266},{"word":"number","start":44.725002,"end":45.045002,"confidence":0.9998691,"punctuated_word":"number","sentiment":"neutral","sentiment_score":-0.017547428607940674},{"word":"as","start":45.045002,"end":45.125,"confidence":0.9999286,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0147804394364357},{"word":"well","start":45.125,"end":45.365,"confidence":0.99993277,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.0007817484438419342},{"word":"because","start":45.365,"end":45.605,"confidence":0.45779055,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.016549289226531982},{"word":"you're","start":45.605,"end":45.765,"confidence":0.9866755,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.029862068593502045},{"word":"probably","start":45.765,"end":46.005,"confidence":0.9991572,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.05664991587400437},{"word":"sitting","start":46.005,"end":46.325,"confidence":0.9989967,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.058285728096961975},{"word":"there","start":46.325,"end":46.485,"confidence":0.9986958,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.06921395659446716},{"word":"waiting","start":46.485,"end":46.805,"confidence":0.99572456,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.012104086577892303},{"word":"for","start":46.805,"end":46.965,"confidence":0.9991351,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05071258544921875},{"word":"me","start":46.965,"end":47.365,"confidence":0.99901974,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.036349788308143616},{"word":"sorry","start":47.365,"end":47.865,"confidence":0.9996894,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.05115414410829544},{"word":"how","start":51.285,"end":51.525,"confidence":0.9916398,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.09209948778152466},{"word":"are","start":51.525,"end":51.765,"confidence":0.79303956,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0912293791770935},{"word":"you","start":51.765,"end":52.005,"confidence":0.9970756,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.06912318617105484},{"word":"lisa","start":52.005,"end":52.485,"confidence":0.99460524,"punctuated_word":"Lisa?","sentiment":"neutral","sentiment_score":0.06462881714105606},{"word":"i'm","start":52.485,"end":52.725002,"confidence":0.99877757,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.060914646834135056},{"word":"so","start":52.725002,"end":52.965,"confidence":0.99917597,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.11478441953659058},{"word":"sorry","start":52.965,"end":53.285,"confidence":0.99953544,"punctuated_word":"sorry","sentiment":"neutral","sentiment_score":-0.1497175544500351},{"word":"about","start":53.285,"end":53.525,"confidence":0.991939,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.18264055252075195},{"word":"yesterday","start":53.525,"end":54.025,"confidence":0.9992559,"punctuated_word":"yesterday.","sentiment":"neutral","sentiment_score":-0.14247941970825195},{"word":"i","start":54.085,"end":54.165,"confidence":0.9981798,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16010740399360657},{"word":"do","start":54.165,"end":54.405,"confidence":0.99967515,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1075219213962555},{"word":"honestly","start":54.405,"end":54.905,"confidence":0.995756,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":-0.1723122000694275},{"word":"apologize","start":54.965,"end":55.465,"confidence":0.99945253,"punctuated_word":"apologize","sentiment":"neutral","sentiment_score":-0.2594584822654724},{"word":"about","start":55.525,"end":55.765,"confidence":0.90590453,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.2725914418697357},{"word":"having","start":55.765,"end":56.005,"confidence":0.9965438,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.2555709183216095},{"word":"to","start":56.005,"end":56.485,"confidence":0.99736744,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23142549395561215},{"word":"push","start":56.485,"end":56.725002,"confidence":0.8130847,"punctuated_word":"push","sentiment":"neutral","sentiment_score":-0.21663731336593628},{"word":"that","start":56.725002,"end":57.0,"confidence":0.9740461,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.21184557676315308},{"word":"one","start":57.0,"end":57.08,"confidence":0.89807975,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.26343920826911926},{"word":"back","start":57.08,"end":57.24,"confidence":0.9977848,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.22252221405506137},{"word":"and","start":57.24,"end":57.48,"confidence":0.911765,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22720344364643097},{"word":"or","start":57.48,"end":57.72,"confidence":0.6439368,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.16056041419506073},{"word":"reschedule","start":57.72,"end":58.22,"confidence":0.87859386,"punctuated_word":"reschedule.","sentiment":"neutral","sentiment_score":-0.14111238718032837},{"word":"but","start":60.76,"end":60.84,"confidence":0.86171204,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02827894687652588},{"word":"she's","start":60.84,"end":61.239998,"confidence":0.99616873,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.03422899544239044},{"word":"okay","start":61.239998,"end":61.72,"confidence":0.9986471,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.09067170321941376},{"word":"it","start":61.72,"end":61.88,"confidence":0.9970599,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.10632297396659852},{"word":"is","start":61.88,"end":62.12,"confidence":0.99180263,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16462305188179016},{"word":"all","start":62.12,"end":62.28,"confidence":0.9967991,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1662275493144989},{"word":"sorted","start":62.28,"end":62.76,"confidence":0.9976276,"punctuated_word":"sorted.","sentiment":"neutral","sentiment_score":0.06559692323207855},{"word":"it","start":62.76,"end":62.92,"confidence":0.99944085,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.05648186802864075},{"word":"wasn't","start":62.92,"end":63.4,"confidence":0.99886215,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.1461099088191986},{"word":"serious","start":63.4,"end":63.9,"confidence":0.8973723,"punctuated_word":"serious.","sentiment":"neutral","sentiment_score":-0.17773976922035217},{"word":"thank","start":64.04,"end":64.36,"confidence":0.99743646,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":-0.19879549741744995},{"word":"god","start":64.36,"end":64.68,"confidence":0.56765306,"punctuated_word":"god.","sentiment":"neutral","sentiment_score":-0.10104511678218842},{"word":"but","start":64.68,"end":64.92,"confidence":0.99903023,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.20352137088775635},{"word":"she","start":64.92,"end":65.16,"confidence":0.9994252,"punctuated_word":"she","sentiment":"negative","sentiment_score":-0.3961770832538605},{"word":"was","start":65.16,"end":65.479996,"confidence":0.9999107,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.4228588938713074},{"word":"really","start":65.479996,"end":65.72,"confidence":0.9586941,"punctuated_word":"really,","sentiment":"negative","sentiment_score":-0.4509941339492798},{"word":"really","start":65.72,"end":66.22,"confidence":0.99996614,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.4978915750980377},{"word":"stressed","start":66.36,"end":66.84,"confidence":0.9090934,"punctuated_word":"stressed","sentiment":"negative","sentiment_score":-0.4515166580677033},{"word":"out","start":66.84,"end":67.34,"confidence":0.9812292,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.5601572394371033},{"word":"and","start":67.72,"end":67.96,"confidence":0.6063476,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.501055896282196},{"word":"beside","start":67.96,"end":68.36,"confidence":0.9905255,"punctuated_word":"beside","sentiment":"negative","sentiment_score":-0.4291208386421203},{"word":"herself","start":68.36,"end":68.86,"confidence":0.96218455,"punctuated_word":"herself.","sentiment":"neutral","sentiment_score":-0.2934497594833374},{"word":"essentially","start":69.634995,"end":70.115,"confidence":0.96830297,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":-0.11223472654819489},{"word":"where","start":70.115,"end":70.435,"confidence":0.9672258,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.1462964415550232},{"word":"i","start":70.435,"end":70.59499,"confidence":0.98651683,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1394256055355072},{"word":"am","start":70.59499,"end":70.835,"confidence":0.69935083,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.13098116219043732},{"word":"located","start":70.835,"end":71.314995,"confidence":0.9749097,"punctuated_word":"located","sentiment":"neutral","sentiment_score":-0.11046697199344636},{"word":"in","start":71.314995,"end":71.475,"confidence":0.9818432,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11331410706043243},{"word":"benora","start":71.475,"end":71.954994,"confidence":0.5855344,"punctuated_word":"Benora","sentiment":"neutral","sentiment_score":-0.12451182305812836},{"word":"point","start":71.954994,"end":72.354996,"confidence":0.9066988,"punctuated_word":"Point,","sentiment":"neutral","sentiment_score":-0.0967824161052704},{"word":"she","start":72.354996,"end":72.515,"confidence":0.999286,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.12665332853794098},{"word":"was","start":72.515,"end":72.755,"confidence":0.9998024,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1524843871593475},{"word":"turning","start":72.755,"end":73.235,"confidence":0.983761,"punctuated_word":"turning","sentiment":"neutral","sentiment_score":-0.18336167931556704},{"word":"to","start":73.235,"end":73.314995,"confidence":0.9992743,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1669154167175293},{"word":"go","start":73.314995,"end":73.555,"confidence":0.99947673,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.15268416702747345},{"word":"into","start":73.555,"end":73.954994,"confidence":0.9936898,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.17633911967277527},{"word":"woolies","start":73.954994,"end":74.435,"confidence":0.7927527,"punctuated_word":"Woolies,","sentiment":"neutral","sentiment_score":-0.1764879673719406},{"word":"and","start":74.435,"end":74.674995,"confidence":0.999853,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14788170158863068},{"word":"a","start":74.674995,"end":74.835,"confidence":0.93091065,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17454949021339417},{"word":"car","start":74.835,"end":75.155,"confidence":0.99931014,"punctuated_word":"car","sentiment":"neutral","sentiment_score":-0.2052610218524933},{"word":"sort","start":75.155,"end":75.395,"confidence":0.99607855,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2022743225097656},{"word":"of","start":75.395,"end":75.475,"confidence":0.9953447,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1753992885351181},{"word":"went","start":75.475,"end":75.715,"confidence":0.99941516,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.1738499104976654},{"word":"past","start":75.715,"end":75.954994,"confidence":0.9693859,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.17402267456054688},{"word":"the","start":75.954994,"end":76.195,"confidence":0.8895515,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1836865246295929},{"word":"side","start":76.195,"end":76.435,"confidence":0.90299475,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.16048312187194824},{"word":"flight","start":76.435,"end":76.755,"confidence":0.4006487,"punctuated_word":"flight.","sentiment":"neutral","sentiment_score":-0.16820406913757324},{"word":"so","start":76.755,"end":76.835,"confidence":0.979596,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11690737307071686},{"word":"he","start":76.835,"end":77.075,"confidence":0.9978333,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.1379037648439407},{"word":"wanted","start":77.075,"end":77.395,"confidence":0.9988875,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.13265635073184967},{"word":"to","start":77.395,"end":77.475,"confidence":0.99904865,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1436389535665512},{"word":"go","start":77.475,"end":77.715,"confidence":0.99979514,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.15630784630775452},{"word":"in","start":77.715,"end":77.875,"confidence":0.9999422,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.15020999312400818},{"word":"there","start":77.875,"end":78.034996,"confidence":0.999894,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.19322818517684937},{"word":"as","start":78.034996,"end":78.274994,"confidence":0.99994934,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.15230904519557953},{"word":"well","start":78.274994,"end":78.774994,"confidence":0.7322242,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.15608549118041992},{"word":"and","start":79.475,"end":79.715,"confidence":0.9759787,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.19493219256401065},{"word":"so","start":79.715,"end":79.875,"confidence":0.80990297,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.19909541308879852},{"word":"it","start":79.875,"end":80.034996,"confidence":0.5454776,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.326966792345047},{"word":"kind","start":80.034996,"end":80.274994,"confidence":0.83890283,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.29093030095100403},{"word":"of","start":80.274994,"end":80.435,"confidence":0.9985293,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3302471339702606},{"word":"hit","start":80.435,"end":80.59499,"confidence":0.99891317,"punctuated_word":"hit","sentiment":"negative","sentiment_score":-0.3910624384880066},{"word":"the","start":80.59499,"end":80.755,"confidence":0.9983109,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4551440477371216},{"word":"front","start":80.755,"end":80.994995,"confidence":0.99942434,"punctuated_word":"front","sentiment":"negative","sentiment_score":-0.4392369985580444},{"word":"of","start":80.994995,"end":81.075,"confidence":0.9990337,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4928732216358185},{"word":"her","start":81.075,"end":81.235,"confidence":0.4229527,"punctuated_word":"her","sentiment":"negative","sentiment_score":-0.43561914563179016},{"word":"car","start":81.235,"end":81.475,"confidence":0.9026015,"punctuated_word":"car.","sentiment":"negative","sentiment_score":-0.40472257137298584},{"word":"it","start":81.475,"end":81.63,"confidence":0.99273247,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.4167627692222595},{"word":"has","start":81.63,"end":81.79,"confidence":0.99964166,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.4497875273227692},{"word":"caused","start":81.79,"end":81.95,"confidence":0.99946004,"punctuated_word":"caused","sentiment":"negative","sentiment_score":-0.415183961391449},{"word":"a","start":81.95,"end":82.11,"confidence":0.9997348,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4159217476844787},{"word":"bit","start":82.11,"end":82.43,"confidence":0.99973613,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3792213797569275},{"word":"of","start":82.43,"end":82.59,"confidence":0.9985191,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4729112684726715},{"word":"damage","start":82.59,"end":83.07,"confidence":0.99814934,"punctuated_word":"damage.","sentiment":"negative","sentiment_score":-0.4123242497444153},{"word":"he's","start":83.07,"end":83.46999,"confidence":0.9478955,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":-0.2831307053565979},{"word":"at","start":83.46999,"end":83.63,"confidence":0.98406327,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2582913339138031},{"word":"fault","start":83.63,"end":84.13,"confidence":0.9031181,"punctuated_word":"fault.","sentiment":"neutral","sentiment_score":-0.2731517553329468},{"word":"but","start":84.909996,"end":85.39,"confidence":0.9284023,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.05797824636101723},{"word":"yeah","start":85.39,"end":85.71,"confidence":0.9810817,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.059203483164310455},{"word":"she","start":85.71,"end":86.11,"confidence":0.99692553,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.0711083859205246},{"word":"she","start":86.11,"end":86.27,"confidence":0.9759546,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.0763486996293068},{"word":"sent","start":86.27,"end":86.509995,"confidence":0.9964127,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":-0.07244931161403656},{"word":"me","start":86.509995,"end":86.67,"confidence":0.9996613,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.08410528302192688},{"word":"a","start":86.67,"end":86.75,"confidence":0.9988611,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.045223169028759},{"word":"photo","start":86.75,"end":87.07,"confidence":0.91323566,"punctuated_word":"photo,","sentiment":"neutral","sentiment_score":-0.06758323311805725},{"word":"and","start":87.07,"end":87.229996,"confidence":0.9981883,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05540934205055237},{"word":"my","start":87.229996,"end":87.39,"confidence":0.9998573,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.08753395080566406},{"word":"husband","start":87.39,"end":87.78999,"confidence":0.99988544,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":-0.14683714509010315},{"word":"rang","start":87.78999,"end":87.95,"confidence":0.9981394,"punctuated_word":"rang","sentiment":"neutral","sentiment_score":-0.07148440182209015},{"word":"me","start":87.95,"end":88.11,"confidence":0.99685895,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.09479011595249176},{"word":"going","start":88.11,"end":88.35,"confidence":0.8687644,"punctuated_word":"going,","sentiment":"neutral","sentiment_score":-0.03876876085996628},{"word":"are","start":88.35,"end":88.509995,"confidence":0.96451205,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.030380290001630783},{"word":"you","start":88.509995,"end":88.67,"confidence":0.9979931,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.039052534848451614},{"word":"okay","start":88.67,"end":88.99,"confidence":0.69743,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":-0.026681937277317047},{"word":"like","start":88.99,"end":89.149994,"confidence":0.90093136,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.03326712176203728},{"word":"can","start":89.149994,"end":89.39,"confidence":0.9909021,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.05181962251663208},{"word":"i","start":89.39,"end":89.46999,"confidence":0.956235,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06521524488925934},{"word":"talk","start":89.46999,"end":89.71,"confidence":0.99631727,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.05645528435707092},{"word":"to","start":89.71,"end":89.78999,"confidence":0.99556065,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07140401005744934},{"word":"you","start":89.78999,"end":89.869995,"confidence":0.9896295,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.07664605230093002},{"word":"and","start":89.869995,"end":89.95,"confidence":0.9944155,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.10746271908283234},{"word":"i","start":89.95,"end":90.03,"confidence":0.9990735,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17298218607902527},{"word":"was","start":90.03,"end":90.189995,"confidence":0.99913776,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.18307338654994965},{"word":"like","start":90.189995,"end":90.43,"confidence":0.9734633,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.15281949937343595},{"word":"oh","start":90.43,"end":90.509995,"confidence":0.99923337,"punctuated_word":"oh","sentiment":"neutral","sentiment_score":-0.24758994579315183},{"word":"my","start":90.509995,"end":90.67,"confidence":0.9925982,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.27927085757255554},{"word":"god","start":90.67,"end":90.909996,"confidence":0.99154913,"punctuated_word":"god.","sentiment":"neutral","sentiment_score":-0.240920752286911},{"word":"what's","start":90.909996,"end":91.149994,"confidence":0.99699044,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.21716801822185516},{"word":"happening","start":91.149994,"end":91.47,"confidence":0.6414985,"punctuated_word":"happening?","sentiment":"neutral","sentiment_score":-0.1863904893398285},{"word":"she's","start":91.47,"end":91.71,"confidence":0.5291935,"punctuated_word":"She's","sentiment":"negative","sentiment_score":-0.3793245255947113},{"word":"been","start":91.71,"end":91.95,"confidence":0.83695775,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.4617345929145813},{"word":"in","start":91.95,"end":92.03,"confidence":0.9739473,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.493772953748703},{"word":"an","start":92.03,"end":92.189995,"confidence":0.801793,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.4812632203102112},{"word":"accident","start":92.189995,"end":92.509995,"confidence":0.98833144,"punctuated_word":"accident.","sentiment":"negative","sentiment_score":-0.3781045973300934},{"word":"she's","start":92.509995,"end":92.75,"confidence":0.9988691,"punctuated_word":"She's","sentiment":"negative","sentiment_score":-0.49936139583587646},{"word":"freaking","start":92.75,"end":93.07,"confidence":0.9944511,"punctuated_word":"freaking","sentiment":"negative","sentiment_score":-0.5776524543762207},{"word":"out","start":93.07,"end":93.149994,"confidence":0.9881031,"punctuated_word":"out.","sentiment":"negative","sentiment_score":-0.46327924728393555},{"word":"i","start":93.149994,"end":93.229996,"confidence":0.8533375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2495475262403488},{"word":"was","start":93.229996,"end":93.39,"confidence":0.9858139,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.26493141055107117},{"word":"like","start":93.39,"end":93.549995,"confidence":0.97112143,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.19796285033226013},{"word":"oh","start":93.549995,"end":93.63,"confidence":0.9988171,"punctuated_word":"oh","sentiment":"neutral","sentiment_score":-0.21718892455101013},{"word":"my","start":93.63,"end":93.78999,"confidence":0.9968315,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.22889423370361328},{"word":"god","start":93.78999,"end":94.03,"confidence":0.9989848,"punctuated_word":"god.","sentiment":"neutral","sentiment_score":-0.22532902657985687},{"word":"so","start":94.03,"end":94.189995,"confidence":0.9584667,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13564100861549375},{"word":"i","start":94.189995,"end":94.27,"confidence":0.98660266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0953836664557457},{"word":"had","start":94.27,"end":94.485,"confidence":0.95530146,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.06885714828968048},{"word":"get","start":94.565,"end":94.645004,"confidence":0.98238623,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.15435713529586792},{"word":"the","start":94.645004,"end":94.805,"confidence":0.9944851,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15931060910224917},{"word":"insurance","start":94.805,"end":95.285,"confidence":0.998865,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.18096989393234253},{"word":"information","start":95.285,"end":95.685,"confidence":0.99892837,"punctuated_word":"information","sentiment":"neutral","sentiment_score":-0.12703582644462583},{"word":"and","start":95.685,"end":95.845,"confidence":0.9847237,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07507187128067017},{"word":"get","start":95.845,"end":96.005,"confidence":0.9994056,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.13197511434555054},{"word":"all","start":96.005,"end":96.085,"confidence":0.85456717,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.10212375968694688},{"word":"that","start":96.085,"end":96.325,"confidence":0.99512047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15087226033210754},{"word":"sorted","start":96.325,"end":96.725,"confidence":0.9992279,"punctuated_word":"sorted","sentiment":"neutral","sentiment_score":-0.1573738008737564},{"word":"for","start":96.725,"end":96.885,"confidence":0.999388,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1531420350074768},{"word":"them","start":96.885,"end":97.285,"confidence":0.9581063,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.15516744554042816},{"word":"so","start":97.285,"end":97.785,"confidence":0.9991019,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0309089794754982},{"word":"he","start":98.085,"end":98.485,"confidence":0.94942087,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.04096512123942375},{"word":"ended","start":98.485,"end":98.985,"confidence":0.9961324,"punctuated_word":"ended","sentiment":"neutral","sentiment_score":-0.008491277694702148},{"word":"up","start":99.205,"end":99.365,"confidence":0.99928683,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.04068255424499512},{"word":"taking","start":99.365,"end":99.765,"confidence":0.99691284,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.02706734836101532},{"word":"over","start":99.765,"end":100.005,"confidence":0.9991092,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.047785684466362},{"word":"it","start":100.005,"end":100.085,"confidence":0.7730085,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.017666786909103394},{"word":"because","start":100.085,"end":100.405,"confidence":0.9370043,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.045847781002521515},{"word":"he","start":100.405,"end":100.485,"confidence":0.8651361,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.066977359354496},{"word":"was","start":100.485,"end":100.645004,"confidence":0.999212,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.010794207453727722},{"word":"down","start":100.645004,"end":100.885,"confidence":0.9993641,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0386987179517746},{"word":"there","start":100.885,"end":101.125,"confidence":0.9865369,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.05293439328670502},{"word":"which","start":101.125,"end":101.365,"confidence":0.9999548,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.25386855006217957},{"word":"was","start":101.365,"end":101.525,"confidence":0.9132396,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.30679067969322205},{"word":"great","start":101.525,"end":101.845,"confidence":0.99827635,"punctuated_word":"great.","sentiment":"neutral","sentiment_score":0.3045703172683716},{"word":"i'm","start":101.845,"end":102.085,"confidence":0.9995594,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03789799660444259},{"word":"an","start":102.085,"end":102.245,"confidence":0.99295104,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.05333733558654785},{"word":"hour","start":102.245,"end":102.485,"confidence":0.99360895,"punctuated_word":"hour","sentiment":"neutral","sentiment_score":-0.03961249440908432},{"word":"away","start":102.485,"end":102.805,"confidence":0.99973947,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.016513608396053314},{"word":"from","start":102.805,"end":103.045,"confidence":0.9997137,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.11118996888399124},{"word":"home","start":103.045,"end":103.545,"confidence":0.9992887,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.0714893564581871},{"word":"at","start":104.085,"end":104.245,"confidence":0.9880987,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10662343353033066},{"word":"work","start":104.245,"end":104.645004,"confidence":0.9681773,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.07181482017040253},{"word":"so","start":104.645004,"end":105.145004,"confidence":0.9397899,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.05900387093424797},{"word":"yeah","start":105.605,"end":106.005,"confidence":0.8167796,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.14774128794670105},{"word":"it","start":106.005,"end":106.165,"confidence":0.59202266,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16636638343334198},{"word":"we","start":106.245,"end":106.565,"confidence":0.9966119,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22078371047973633},{"word":"got","start":106.565,"end":106.725,"confidence":0.69023395,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2720577120780945},{"word":"it","start":106.725,"end":106.965,"confidence":0.99674773,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09336322546005248},{"word":"sorted","start":106.965,"end":107.285,"confidence":0.9984491,"punctuated_word":"sorted.","sentiment":"neutral","sentiment_score":0.016418762505054474},{"word":"she's","start":107.285,"end":107.605,"confidence":0.99985576,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":0.315813273191452},{"word":"okay","start":107.605,"end":108.085,"confidence":0.9991488,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.4188194870948791},{"word":"i","start":108.085,"end":108.165,"confidence":0.9970084,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4435611665248871},{"word":"went","start":108.165,"end":108.45,"confidence":0.99938655,"punctuated_word":"went","sentiment":"positive","sentiment_score":0.5227218866348267},{"word":"around","start":108.45,"end":108.689995,"confidence":0.8972088,"punctuated_word":"around","sentiment":"positive","sentiment_score":0.5009514093399048},{"word":"last","start":108.689995,"end":108.85,"confidence":0.99943084,"punctuated_word":"last","sentiment":"positive","sentiment_score":0.3960802853107453},{"word":"night","start":108.85,"end":108.93,"confidence":0.999166,"punctuated_word":"night","sentiment":"positive","sentiment_score":0.5324967503547668},{"word":"and","start":108.93,"end":109.09,"confidence":0.9973144,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.48808151483535767},{"word":"checked","start":109.09,"end":109.409996,"confidence":0.9994199,"punctuated_word":"checked","sentiment":"positive","sentiment_score":0.4870573580265045},{"word":"on","start":109.409996,"end":109.57,"confidence":0.99976856,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4318864047527313},{"word":"her","start":109.57,"end":109.729996,"confidence":0.99963045,"punctuated_word":"her","sentiment":"positive","sentiment_score":0.35311245918273926},{"word":"as","start":109.729996,"end":109.89,"confidence":0.9998282,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.35592249035835266},{"word":"well","start":109.89,"end":110.13,"confidence":0.9770742,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.38336002826690674},{"word":"and","start":110.13,"end":110.28999,"confidence":0.99976,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4860334098339081},{"word":"she's","start":110.28999,"end":110.61,"confidence":0.99912393,"punctuated_word":"she's","sentiment":"positive","sentiment_score":0.6702431440353394},{"word":"good","start":110.61,"end":110.93,"confidence":0.99528944,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5478487610816956},{"word":"it","start":110.93,"end":111.009995,"confidence":0.9977442,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.18378162384033203},{"word":"was","start":111.009995,"end":111.17,"confidence":0.9810409,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0984717607498169},{"word":"just","start":111.17,"end":111.409996,"confidence":0.99935275,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11380234360694884},{"word":"the","start":111.409996,"end":111.57,"confidence":0.99767107,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09056828916072844},{"word":"initial","start":111.57,"end":112.049995,"confidence":0.9026073,"punctuated_word":"initial,","sentiment":"neutral","sentiment_score":0.07153254002332687},{"word":"oh","start":112.049995,"end":112.13,"confidence":0.9949191,"punctuated_word":"oh","sentiment":"neutral","sentiment_score":0.005000581499189138},{"word":"my","start":112.13,"end":112.28999,"confidence":0.98642075,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0422961562871933},{"word":"god","start":112.28999,"end":112.53,"confidence":0.8322134,"punctuated_word":"god.","sentiment":"neutral","sentiment_score":-0.007478151470422745},{"word":"and","start":112.53,"end":112.689995,"confidence":0.99774665,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.016055550426244736},{"word":"she's","start":112.689995,"end":112.93,"confidence":0.99987096,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.009524851106107237},{"word":"only","start":112.93,"end":113.25,"confidence":0.99900407,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.019163422286510468},{"word":"19","start":113.25,"end":113.729996,"confidence":0.99584436,"punctuated_word":"19.","sentiment":"neutral","sentiment_score":-0.0008481666445732117},{"word":"she's","start":113.729996,"end":113.89,"confidence":0.999503,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.027656620368361473},{"word":"got","start":113.89,"end":114.13,"confidence":0.8052578,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.03903910145163536},{"word":"her","start":114.13,"end":114.28999,"confidence":0.7376754,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.035037651658058167},{"word":"pay","start":114.28999,"end":114.45,"confidence":0.255596,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.022439714521169662},{"word":"plates","start":114.45,"end":114.77,"confidence":0.9211955,"punctuated_word":"plates,","sentiment":"neutral","sentiment_score":-0.015660015866160393},{"word":"and","start":114.77,"end":114.93,"confidence":0.9994773,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.023653589189052585},{"word":"she's","start":114.93,"end":115.25,"confidence":0.9992877,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.05018697679042816},{"word":"just","start":115.25,"end":115.409996,"confidence":0.9994648,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05244762450456619},{"word":"like","start":115.409996,"end":115.729996,"confidence":0.9471614,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.050305094569921494},{"word":"what","start":115.729996,"end":115.96999,"confidence":0.9989728,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06349268555641174},{"word":"do","start":115.96999,"end":116.13,"confidence":0.999838,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08407538384199142},{"word":"i","start":116.13,"end":116.21,"confidence":0.99988925,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.024863723665475845},{"word":"do","start":116.21,"end":116.71,"confidence":0.99816537,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":-0.019753199070692062},{"word":"how","start":116.92999,"end":117.09,"confidence":0.99956185,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.03591197356581688},{"word":"do","start":117.09,"end":117.25,"confidence":0.9997694,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04377561807632446},{"word":"i","start":117.25,"end":117.409996,"confidence":0.99944943,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0353894867002964},{"word":"deal","start":117.409996,"end":117.57,"confidence":0.99916947,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":-0.0509258508682251},{"word":"with","start":117.57,"end":117.729996,"confidence":0.99978286,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.02770787850022316},{"word":"this","start":117.729996,"end":118.229996,"confidence":0.9977298,"punctuated_word":"this?","sentiment":"neutral","sentiment_score":-0.020587578415870667},{"word":"so","start":119.09,"end":119.25,"confidence":0.9604211,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.013466455042362211},{"word":"a","start":119.25,"end":119.329994,"confidence":0.6727724,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03462854027748108},{"word":"bit","start":119.329994,"end":119.57,"confidence":0.99892104,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07225501537322998},{"word":"scary","start":119.57,"end":120.049995,"confidence":0.999577,"punctuated_word":"scary","sentiment":"neutral","sentiment_score":-0.06179705262184143},{"word":"for","start":120.049995,"end":120.21,"confidence":0.99968505,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0914381742477417},{"word":"them","start":120.21,"end":120.45,"confidence":0.9731895,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.10169479995965958},{"word":"unfortunately","start":120.45,"end":120.95,"confidence":0.9721936,"punctuated_word":"unfortunately,","sentiment":"neutral","sentiment_score":-0.10788047313690186},{"word":"but","start":121.57,"end":122.049995,"confidence":0.99962676,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03252129256725311},{"word":"she's","start":122.049995,"end":122.28999,"confidence":0.9996106,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.1784435212612152},{"word":"good","start":122.28999,"end":122.53,"confidence":0.85898614,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.154587522149086},{"word":"but","start":122.53,"end":122.77,"confidence":0.9961622,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0947488769888878},{"word":"thank","start":122.77,"end":123.009995,"confidence":0.9989685,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.351463258266449},{"word":"you","start":123.009995,"end":123.17,"confidence":0.9986817,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34102895855903625},{"word":"so","start":123.17,"end":123.329994,"confidence":0.99662256,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3338547945022583},{"word":"much","start":123.329994,"end":123.49,"confidence":0.99740964,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.42329591512680054},{"word":"for","start":123.49,"end":123.735,"confidence":0.8176068,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4016150236129761},{"word":"asking","start":123.815,"end":124.135,"confidence":0.92945,"punctuated_word":"asking.","sentiment":"neutral","sentiment_score":0.31725579500198364},{"word":"and","start":124.135,"end":124.455,"confidence":0.6993879,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.0001226719468832016},{"word":"again","start":124.455,"end":124.775,"confidence":0.97889125,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.032016173005104065},{"word":"i'm","start":124.775,"end":125.015,"confidence":0.999901,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10405435413122176},{"word":"very","start":125.015,"end":125.255,"confidence":0.9998265,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.17523330450057983},{"word":"sorry","start":125.255,"end":125.575,"confidence":0.99432147,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.16564753651618958},{"word":"the","start":125.575,"end":125.655,"confidence":0.9998363,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.1442219614982605},{"word":"last","start":125.655,"end":125.815,"confidence":0.9999554,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.13771413266658783},{"word":"thing","start":125.815,"end":126.055,"confidence":0.9996574,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.09891293942928314},{"word":"i","start":126.055,"end":126.135,"confidence":0.9996592,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11969080567359924},{"word":"wanted","start":126.135,"end":126.455,"confidence":0.9997805,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.12854322791099548},{"word":"was","start":126.455,"end":126.695,"confidence":0.9997136,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1335277110338211},{"word":"to","start":126.695,"end":126.855,"confidence":0.9991755,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10576122254133224},{"word":"reschedule","start":126.855,"end":127.355,"confidence":0.9999282,"punctuated_word":"reschedule","sentiment":"neutral","sentiment_score":-0.08493228256702423},{"word":"your","start":127.415,"end":127.655,"confidence":0.9995803,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08724288642406464},{"word":"appointment","start":127.655,"end":128.155,"confidence":0.9399997,"punctuated_word":"appointment.","sentiment":"neutral","sentiment_score":-0.06912724673748016},{"word":"so","start":128.295,"end":128.795,"confidence":0.9481403,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.010457862168550491},{"word":"all","start":131.655,"end":131.975,"confidence":0.6791323,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.2189176380634308},{"word":"good","start":131.975,"end":132.475,"confidence":0.99752414,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3636532425880432},{"word":"i'm","start":133.815,"end":134.055,"confidence":0.96569586,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5697938203811646},{"word":"so","start":134.055,"end":134.375,"confidence":0.9986104,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6583011746406555},{"word":"glad","start":134.375,"end":134.875,"confidence":0.99930245,"punctuated_word":"glad.","sentiment":"positive","sentiment_score":0.5612373352050781},{"word":"all","start":135.495,"end":135.735,"confidence":0.77586097,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4712428152561188},{"word":"good","start":135.735,"end":135.895,"confidence":0.99364054,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4049586653709411},{"word":"well","start":135.895,"end":136.055,"confidence":0.9900488,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.1537574678659439},{"word":"let's","start":136.055,"end":136.295,"confidence":0.99962056,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.13399440050125122},{"word":"have","start":136.295,"end":136.455,"confidence":0.9998832,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12831339240074158},{"word":"a","start":136.455,"end":136.535,"confidence":0.9994205,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10520360618829729},{"word":"bit","start":136.535,"end":136.695,"confidence":0.9974475,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13312196731567383},{"word":"of","start":136.695,"end":136.855,"confidence":0.9994992,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1277570128440857},{"word":"a","start":136.855,"end":136.935,"confidence":0.99813133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1349993646144867},{"word":"look","start":136.935,"end":137.175,"confidence":0.995998,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.131832554936409},{"word":"at","start":137.175,"end":137.255,"confidence":0.8991449,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14708660542964935},{"word":"things","start":137.255,"end":137.43,"confidence":0.9873669,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1490483283996582},{"word":"for","start":137.51,"end":137.67,"confidence":0.99973553,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11037816107273102},{"word":"you","start":137.67,"end":137.90999,"confidence":0.9996716,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11900186538696288},{"word":"both","start":137.90999,"end":138.31,"confidence":0.9977581,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":0.09279338270425797},{"word":"so","start":138.62999,"end":138.87,"confidence":0.9857422,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04988335445523262},{"word":"just","start":138.87,"end":139.10999,"confidence":0.99903333,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.029691286385059357},{"word":"before","start":139.10999,"end":139.26999,"confidence":0.9969553,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.026507601141929623},{"word":"i","start":139.26999,"end":139.34999,"confidence":0.9921778,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07042260468006134},{"word":"jump","start":139.34999,"end":139.59,"confidence":0.99797016,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.07369010895490646},{"word":"into","start":139.59,"end":139.75,"confidence":0.97535217,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06670957803726196},{"word":"the","start":139.75,"end":139.82999,"confidence":0.99898666,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0663326233625412},{"word":"call","start":139.82999,"end":140.06999,"confidence":0.9988233,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.06485620141029358},{"word":"i","start":140.06999,"end":140.23,"confidence":0.99978036,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07731114327907562},{"word":"do","start":140.23,"end":140.39,"confidence":0.9997856,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.069297194480896},{"word":"need","start":140.39,"end":140.54999,"confidence":0.9998932,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.09282985329627992},{"word":"to","start":140.54999,"end":140.62999,"confidence":0.99939847,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07140608131885529},{"word":"let","start":140.62999,"end":140.79,"confidence":0.99989295,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.06348586827516556},{"word":"you","start":140.79,"end":140.95,"confidence":0.99948466,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07207724452018738},{"word":"both","start":140.95,"end":141.18999,"confidence":0.9989735,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.094229057431221},{"word":"know","start":141.18999,"end":141.43,"confidence":0.99924564,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.08068476617336273},{"word":"we","start":141.43,"end":141.59,"confidence":0.9186897,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07751829922199249},{"word":"do","start":141.59,"end":141.75,"confidence":0.99807703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08547993004322052},{"word":"record","start":141.75,"end":142.15,"confidence":0.99970454,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.06463972479104996},{"word":"our","start":142.15,"end":142.23,"confidence":0.9986117,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.06304225325584412},{"word":"calls","start":142.23,"end":142.54999,"confidence":0.9972677,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.08710411190986633},{"word":"for","start":142.54999,"end":142.79,"confidence":0.9983725,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06721323728561401},{"word":"quality","start":142.79,"end":143.10999,"confidence":0.9999044,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.06904371827840805},{"word":"and","start":143.10999,"end":143.26999,"confidence":0.9990969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08057013899087906},{"word":"training","start":143.26999,"end":143.67,"confidence":0.99952364,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.09355926513671876},{"word":"purposes","start":143.67,"end":144.17,"confidence":0.9992207,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.07336337119340897},{"word":"are","start":144.23,"end":144.46999,"confidence":0.9972204,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.09097377955913544},{"word":"you","start":144.46999,"end":144.62999,"confidence":0.9985337,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11724278330802916},{"word":"both","start":144.62999,"end":144.95,"confidence":0.99875224,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.16484618186950684},{"word":"happy","start":144.95,"end":145.18999,"confidence":0.9966698,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.11544567346572876},{"word":"for","start":145.18999,"end":145.34999,"confidence":0.9952278,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14776313304901123},{"word":"us","start":145.34999,"end":145.59,"confidence":0.9960377,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.11707619577646255},{"word":"to","start":145.59,"end":145.67,"confidence":0.99360013,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09921100735664368},{"word":"proceed","start":145.67,"end":146.06999,"confidence":0.99875534,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.1294834315776825},{"word":"with","start":146.06999,"end":146.31,"confidence":0.9970547,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12719187140464783},{"word":"that","start":146.31,"end":146.81,"confidence":0.97135067,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.12915964424610138},{"word":"yep","start":148.62999,"end":149.12999,"confidence":0.9710094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23954451084136963},{"word":"fantastic","start":150.88501,"end":151.04501,"confidence":0.98605657,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5130826234817505},{"word":"essentially","start":151.04501,"end":151.445,"confidence":0.74653023,"punctuated_word":"Essentially","sentiment":"neutral","sentiment_score":0.2491486668586731},{"word":"so","start":151.68501,"end":151.845,"confidence":0.99305093,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2462061792612076},{"word":"we","start":151.845,"end":152.085,"confidence":0.9987135,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.28767967224121094},{"word":"had","start":152.085,"end":152.24501,"confidence":0.99831957,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.26789218187332153},{"word":"done","start":152.24501,"end":152.485,"confidence":0.9991781,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.24698467552661896},{"word":"the","start":152.485,"end":152.645,"confidence":0.99963975,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21881499886512756},{"word":"advice","start":152.645,"end":152.96501,"confidence":0.98578876,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.21146896481513977},{"word":"for","start":152.96501,"end":153.125,"confidence":0.9989274,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2068193107843399},{"word":"you","start":153.125,"end":153.285,"confidence":0.9892074,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17590025067329407},{"word":"i","start":153.285,"end":153.365,"confidence":0.944451,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10853128135204317},{"word":"know","start":153.365,"end":153.52501,"confidence":0.95153046,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11028501391410828},{"word":"scott","start":153.52501,"end":153.845,"confidence":0.9931308,"punctuated_word":"Scott,","sentiment":"neutral","sentiment_score":0.11311455070972444},{"word":"we","start":153.845,"end":153.925,"confidence":0.9997596,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13101723790168762},{"word":"had","start":153.925,"end":154.085,"confidence":0.9986663,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.10865560919046402},{"word":"gone","start":154.085,"end":154.32501,"confidence":0.998626,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.12605473399162292},{"word":"through","start":154.32501,"end":154.565,"confidence":0.9991517,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17379963397979736},{"word":"your","start":154.565,"end":154.725,"confidence":0.99954104,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14435119926929474},{"word":"advice","start":154.725,"end":155.125,"confidence":0.97497696,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.09079336374998093},{"word":"case","start":155.125,"end":155.365,"confidence":0.41129276,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.07118023186922073},{"word":"earlier","start":155.365,"end":155.865,"confidence":0.92841506,"punctuated_word":"earlier,","sentiment":"neutral","sentiment_score":0.1028788685798645},{"word":"and","start":155.925,"end":156.16501,"confidence":0.99954647,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09591088443994522},{"word":"now","start":156.16501,"end":156.32501,"confidence":0.9994875,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.11580219864845276},{"word":"your","start":156.32501,"end":156.645,"confidence":0.9972657,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05372004583477974},{"word":"circumstances","start":156.645,"end":157.145,"confidence":0.999374,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":0.0484410785138607},{"word":"have","start":157.365,"end":157.60501,"confidence":0.9985909,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.096472829580307},{"word":"changed","start":157.60501,"end":158.005,"confidence":0.99306333,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":0.07509176433086395},{"word":"so","start":158.005,"end":158.16501,"confidence":0.9952459,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07945457845926285},{"word":"you've","start":158.16501,"end":158.40501,"confidence":0.975955,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08264531195163727},{"word":"dropped","start":158.40501,"end":158.725,"confidence":0.9664787,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":0.07641978561878204},{"word":"some","start":158.725,"end":158.96501,"confidence":0.9940678,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.05629481375217438},{"word":"hours","start":158.96501,"end":159.365,"confidence":0.81549037,"punctuated_word":"hours,","sentiment":"neutral","sentiment_score":0.05631669610738754},{"word":"and","start":159.365,"end":159.60501,"confidence":0.99877185,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07908621430397034},{"word":"things","start":159.60501,"end":159.845,"confidence":0.99647886,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.06817028671503067},{"word":"have","start":159.845,"end":160.085,"confidence":0.9941345,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08837249875068665},{"word":"changed","start":160.085,"end":160.485,"confidence":0.9986259,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.11988836526870728},{"word":"a","start":160.485,"end":160.565,"confidence":0.99416983,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09455938637256622},{"word":"lot","start":160.565,"end":160.80501,"confidence":0.99767786,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.09631100296974182},{"word":"for","start":160.80501,"end":160.96501,"confidence":0.9858416,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07992692291736603},{"word":"you","start":160.96501,"end":161.205,"confidence":0.9932393,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06556636840105057},{"word":"how's","start":161.205,"end":161.60501,"confidence":0.77645886,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.06482582539319992},{"word":"everything","start":161.60501,"end":162.085,"confidence":0.92823035,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.06081492453813553},{"word":"been","start":162.085,"end":162.57,"confidence":0.87826973,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.04984147474169731},{"word":"going","start":162.57,"end":163.07,"confidence":0.9669278,"punctuated_word":"going?","sentiment":"neutral","sentiment_score":0.09004811197519302},{"word":"yeah","start":164.65001,"end":165.15001,"confidence":0.55766153,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.035875506699085236},{"word":"you","start":168.01001,"end":168.25,"confidence":0.9886912,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.15290702879428864},{"word":"enjoy","start":168.25,"end":168.73001,"confidence":0.9953826,"punctuated_word":"enjoy","sentiment":"neutral","sentiment_score":0.15203893184661865},{"word":"that","start":168.73001,"end":169.23001,"confidence":0.9904078,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.20666474103927612},{"word":"that's","start":169.53001,"end":169.85,"confidence":0.9970126,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.30560940504074097},{"word":"good","start":169.85,"end":170.35,"confidence":0.99893916,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3711329400539398},{"word":"that's","start":171.21,"end":171.61,"confidence":0.939812,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5206851363182068},{"word":"fantastic","start":171.61,"end":172.11,"confidence":0.9989552,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.5666981935501099},{"word":"and","start":172.57,"end":172.73001,"confidence":0.91880107,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.2414247989654541},{"word":"lisa","start":172.73001,"end":173.05,"confidence":0.99441856,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":0.2057302892208099},{"word":"we","start":173.05,"end":173.21,"confidence":0.99957997,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23832713067531583},{"word":"just","start":173.21,"end":173.37001,"confidence":0.99982506,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18423455953598025},{"word":"wanted","start":173.37001,"end":173.69,"confidence":0.99476165,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1365252584218979},{"word":"to","start":173.69,"end":173.85,"confidence":0.9988856,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1653100848197937},{"word":"kinda","start":173.85,"end":174.17001,"confidence":0.9687655,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.17623063921928406},{"word":"update","start":174.17001,"end":174.57,"confidence":0.9994313,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.1623029261827469},{"word":"and","start":174.57,"end":174.81001,"confidence":0.99821186,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1599510908126831},{"word":"do","start":174.81001,"end":175.05,"confidence":0.9996891,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1845003068447113},{"word":"a","start":175.05,"end":175.13,"confidence":0.9995795,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.194510817527771},{"word":"new","start":175.13,"end":175.37001,"confidence":0.99988294,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.183361291885376},{"word":"advice","start":175.37001,"end":175.69,"confidence":0.9527695,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.17524319887161255},{"word":"case","start":175.69,"end":175.93001,"confidence":0.55935687,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.18975374102592468},{"word":"for","start":175.93001,"end":176.09001,"confidence":0.9484314,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1727149486541748},{"word":"the","start":176.09001,"end":176.25,"confidence":0.98960274,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17821604013442993},{"word":"both","start":176.25,"end":176.49,"confidence":0.9798228,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.18363727629184723},{"word":"of","start":176.49,"end":176.65001,"confidence":0.99629563,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18032485246658325},{"word":"you","start":176.65001,"end":176.81001,"confidence":0.9961504,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15172460675239563},{"word":"is","start":176.81001,"end":176.89001,"confidence":0.93992406,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.106959730386734},{"word":"that","start":176.89001,"end":177.13,"confidence":0.9996269,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.153153657913208},{"word":"correct","start":177.13,"end":177.37001,"confidence":0.99609584,"punctuated_word":"correct","sentiment":"neutral","sentiment_score":0.13647660613059998},{"word":"incorporating","start":177.37001,"end":177.87001,"confidence":0.7222116,"punctuated_word":"incorporating","sentiment":"neutral","sentiment_score":0.14779487252235413},{"word":"your","start":177.93001,"end":178.215,"confidence":0.987694,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11636307835578918},{"word":"full","start":178.295,"end":178.69499,"confidence":0.9914858,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.15333929657936096},{"word":"circumstances","start":178.69499,"end":179.19499,"confidence":0.9982279,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":0.1679995059967041},{"word":"looking","start":179.33499,"end":179.735,"confidence":0.50759256,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.17328423261642456},{"word":"forward","start":179.735,"end":179.97499,"confidence":0.98756194,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.1789640486240387},{"word":"at","start":179.97499,"end":180.055,"confidence":0.7717416,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15638583898544312},{"word":"the","start":180.055,"end":180.135,"confidence":0.9942947,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14252163469791412},{"word":"retirement","start":180.135,"end":180.635,"confidence":0.99705553,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.12265072017908096},{"word":"aspect","start":180.775,"end":181.175,"confidence":0.98795056,"punctuated_word":"aspect","sentiment":"neutral","sentiment_score":0.1661311537027359},{"word":"and","start":181.175,"end":181.675,"confidence":0.96685654,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1481853425502777},{"word":"just","start":181.815,"end":181.97499,"confidence":0.9862613,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15237489342689514},{"word":"incorporating","start":181.97499,"end":182.47499,"confidence":0.99902177,"punctuated_word":"incorporating","sentiment":"neutral","sentiment_score":0.13915827870368958},{"word":"everything","start":182.775,"end":183.25499,"confidence":0.9995603,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.13271565735340118},{"word":"into","start":183.25499,"end":183.575,"confidence":0.99951756,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1373121738433838},{"word":"that","start":183.575,"end":183.735,"confidence":0.844819,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.10508129000663756},{"word":"does","start":183.735,"end":183.89499,"confidence":0.9986926,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.06490995734930038},{"word":"that","start":183.89499,"end":184.055,"confidence":0.9998287,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11146610975265504},{"word":"sound","start":184.055,"end":184.375,"confidence":0.99946266,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.06236288696527481},{"word":"right","start":184.375,"end":184.875,"confidence":0.99966806,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.0759478509426117},{"word":"yep","start":186.535,"end":187.035,"confidence":0.8964808,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.008218012750148773},{"word":"okay","start":190.935,"end":191.435,"confidence":0.98961455,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.029084015637636185},{"word":"consider","start":191.89499,"end":192.3,"confidence":0.9408736,"punctuated_word":"Consider","sentiment":"neutral","sentiment_score":0.02071237564086914},{"word":"50","start":192.46,"end":192.7,"confidence":0.9817514,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.04507064446806908},{"word":"percent","start":192.7,"end":193.02,"confidence":0.99845755,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.06643757969141006},{"word":"work","start":193.02,"end":193.52,"confidence":0.95973426,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.04928140714764595},{"word":"yep","start":195.26001,"end":195.76001,"confidence":0.99150455,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0004018762556370348},{"word":"okay","start":197.02,"end":197.52,"confidence":0.99950004,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03329627960920334},{"word":"no","start":199.58,"end":199.90001,"confidence":0.9947594,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.05055510625243187},{"word":"worries","start":199.90001,"end":200.3,"confidence":0.9984793,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.03360091894865036},{"word":"at","start":200.3,"end":200.54001,"confidence":0.9998485,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.025862891227006912},{"word":"all","start":200.54001,"end":200.94,"confidence":0.9998992,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.04998256266117096},{"word":"okay","start":200.94,"end":201.26001,"confidence":0.9972913,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05801589414477348},{"word":"well","start":201.26001,"end":201.5,"confidence":0.9990258,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.05342390388250351},{"word":"let's","start":201.5,"end":201.66,"confidence":0.99963355,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.06633084267377853},{"word":"go","start":201.66,"end":201.90001,"confidence":0.9978078,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07164880633354187},{"word":"through","start":201.90001,"end":202.06,"confidence":0.9934012,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07383511960506439},{"word":"and","start":202.06,"end":202.3,"confidence":0.9794606,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07626993954181671},{"word":"update","start":202.3,"end":202.62,"confidence":0.999828,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.06725970655679703},{"word":"all","start":202.62,"end":202.78,"confidence":0.9999088,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06776760518550873},{"word":"of","start":202.78,"end":202.86,"confidence":0.9994086,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06777340173721313},{"word":"your","start":202.86,"end":203.18001,"confidence":0.9992636,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.061358481645584106},{"word":"circumstances","start":203.18001,"end":203.68001,"confidence":0.9994477,"punctuated_word":"circumstances.","sentiment":"neutral","sentiment_score":0.06139974296092987},{"word":"now","start":204.22,"end":204.72,"confidence":0.999403,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06029357761144638},{"word":"retirement","start":204.78,"end":205.28,"confidence":0.98202056,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.050601713359355927},{"word":"goal","start":205.66,"end":205.90001,"confidence":0.9857824,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.04891728237271309},{"word":"wise","start":205.90001,"end":206.40001,"confidence":0.9948102,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.034096915274858475},{"word":"are","start":206.46,"end":206.62,"confidence":0.9991523,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.018925301730632785},{"word":"we","start":206.62,"end":206.94,"confidence":0.99969137,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04429063946008682},{"word":"still","start":206.94,"end":207.34,"confidence":0.9998472,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.01601492613554001},{"word":"wanting","start":207.34,"end":207.84,"confidence":0.99987924,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.04014434665441513},{"word":"the","start":208.635,"end":208.955,"confidence":0.9984321,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02875644713640213},{"word":"same","start":208.955,"end":209.435,"confidence":0.82330966,"punctuated_word":"same?","sentiment":"neutral","sentiment_score":0.017792198807001114},{"word":"i'm","start":209.435,"end":209.595,"confidence":0.9996815,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05077359080314636},{"word":"sorry","start":209.595,"end":209.83499,"confidence":0.9941447,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.04947366937994957},{"word":"i'm","start":209.83499,"end":209.915,"confidence":0.9999134,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03602931648492813},{"word":"just","start":209.915,"end":210.155,"confidence":0.9999261,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04008224606513977},{"word":"going","start":210.155,"end":210.395,"confidence":0.99985826,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.03088385984301567},{"word":"back","start":210.395,"end":210.635,"confidence":0.9986694,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.028398234397172928},{"word":"to","start":210.635,"end":210.715,"confidence":0.9969965,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0109921395778656},{"word":"have","start":210.715,"end":210.795,"confidence":0.9988092,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.008059147745370865},{"word":"a","start":210.795,"end":210.875,"confidence":0.9841988,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004245860502123833},{"word":"look","start":210.875,"end":211.115,"confidence":0.8885684,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.017043497413396835},{"word":"now","start":211.115,"end":211.19499,"confidence":0.96768606,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.00797215849161148},{"word":"we","start":211.19499,"end":211.355,"confidence":0.9990126,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.003746442496776581},{"word":"both","start":211.355,"end":211.675,"confidence":0.9773178,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.011241668835282326},{"word":"wanted","start":211.675,"end":211.915,"confidence":0.9995821,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.0036937370896339417},{"word":"to","start":211.915,"end":212.395,"confidence":0.99773186,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.013904845342040062},{"word":"access","start":212.395,"end":212.895,"confidence":0.9422477,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.012122094631195068},{"word":"super","start":212.955,"end":213.435,"confidence":0.38208506,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.04473698139190674},{"word":"around","start":213.435,"end":213.755,"confidence":0.98638785,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.014708735048770905},{"word":"about","start":213.755,"end":213.995,"confidence":0.9888759,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.016685426235198975},{"word":"the","start":213.995,"end":214.235,"confidence":0.99923277,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015172937884926796},{"word":"age","start":214.235,"end":214.475,"confidence":0.9742052,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.015881288796663284},{"word":"of","start":214.475,"end":214.715,"confidence":0.99824214,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.020227285102009773},{"word":"60","start":214.715,"end":215.215,"confidence":0.9995045,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.00502343475818634},{"word":"does","start":215.275,"end":215.435,"confidence":0.99931467,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.011031020432710648},{"word":"that","start":215.435,"end":215.675,"confidence":0.99994135,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01882750540971756},{"word":"still","start":215.675,"end":215.995,"confidence":0.99944323,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.005399245768785477},{"word":"sound","start":215.995,"end":216.315,"confidence":0.9998503,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.01411440409719944},{"word":"appropriate","start":216.315,"end":216.815,"confidence":0.999527,"punctuated_word":"appropriate?","sentiment":"neutral","sentiment_score":-0.001398146152496338},{"word":"yep","start":225.45,"end":225.77,"confidence":0.90923107,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.099490687251091},{"word":"yep","start":225.77,"end":226.25,"confidence":0.9771586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11367499083280563},{"word":"yep","start":226.25,"end":226.75,"confidence":0.64590234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14329952001571655},{"word":"yep","start":228.17,"end":228.56999,"confidence":0.9247552,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12459545582532884},{"word":"yep","start":228.56999,"end":228.81,"confidence":0.8179484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1664600670337677},{"word":"that's","start":228.81,"end":229.13,"confidence":0.9782461,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.381283700466156},{"word":"okay","start":229.13,"end":229.63,"confidence":0.9850742,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.3871245980262756},{"word":"and","start":229.84999,"end":230.33,"confidence":0.7661085,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3098102807998657},{"word":"goal","start":230.33,"end":230.65,"confidence":0.5642425,"punctuated_word":"goal","sentiment":"positive","sentiment_score":0.3605108857154846},{"word":"was","start":230.65,"end":231.15,"confidence":0.9996817,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.3292980194091797},{"word":"to","start":231.20999,"end":231.37,"confidence":0.9973291,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4193315505981446},{"word":"be","start":231.37,"end":231.61,"confidence":0.99865437,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4201827049255371},{"word":"able","start":231.61,"end":231.84999,"confidence":0.99500567,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.41319191455841064},{"word":"to","start":231.84999,"end":232.09,"confidence":0.99495727,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4544963240623474},{"word":"your","start":232.09,"end":232.48999,"confidence":0.2949263,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.36727526783943176},{"word":"income","start":232.48999,"end":232.98999,"confidence":0.9661566,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.31468403339385986},{"word":"we're","start":233.575,"end":233.81499,"confidence":0.9991321,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.1309558004140854},{"word":"looking","start":233.81499,"end":234.215,"confidence":0.9999243,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.11331123858690262},{"word":"at","start":234.215,"end":234.575,"confidence":0.99989533,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0969000905752182},{"word":"sorry","start":234.935,"end":235.33499,"confidence":0.83606505,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.017809558659791946},{"word":"i'm","start":235.33499,"end":235.575,"confidence":0.99990386,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0090032909065485},{"word":"just","start":235.575,"end":235.81499,"confidence":0.99983776,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.005791962146759033},{"word":"getting","start":235.81499,"end":236.135,"confidence":0.99963343,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.02156884968280792},{"word":"my","start":236.135,"end":236.61499,"confidence":0.99973065,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.0019861236214637756},{"word":"screen","start":236.61499,"end":237.09499,"confidence":0.9996296,"punctuated_word":"screen","sentiment":"neutral","sentiment_score":0.017774827778339386},{"word":"to","start":237.09499,"end":237.33499,"confidence":0.99985886,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05478442460298538},{"word":"work","start":237.33499,"end":237.655,"confidence":0.9999647,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.09435722231864928},{"word":"for","start":237.655,"end":237.89499,"confidence":0.9996724,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09735016524791718},{"word":"me","start":237.89499,"end":238.215,"confidence":0.9998374,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.06736904382705688},{"word":"there","start":238.215,"end":238.45499,"confidence":0.9997063,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.062420718371868134},{"word":"we","start":238.45499,"end":238.61499,"confidence":0.9999187,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07519818097352982},{"word":"go","start":238.61499,"end":239.11499,"confidence":0.9997665,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.09023194015026093},{"word":"we","start":239.33499,"end":239.495,"confidence":0.97889143,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.06800256669521332},{"word":"were","start":239.495,"end":239.655,"confidence":0.99837554,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.062050990760326385},{"word":"looking","start":239.655,"end":239.97499,"confidence":0.9998667,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.09801891446113586},{"word":"at","start":239.97499,"end":240.215,"confidence":0.99950945,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11885616183280943},{"word":"a","start":240.215,"end":240.45499,"confidence":0.99839956,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13653159141540527},{"word":"joint","start":240.45499,"end":240.855,"confidence":0.9639928,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.18140964210033417},{"word":"monthly","start":240.855,"end":241.33499,"confidence":0.998345,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.20313401520252228},{"word":"income","start":241.33499,"end":241.73499,"confidence":0.9999367,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.14972355961799622},{"word":"of","start":241.73499,"end":241.89499,"confidence":0.9996222,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12577122449874878},{"word":"$6,000","start":241.89499,"end":242.855,"confidence":0.9995277,"punctuated_word":"$6,000","sentiment":"neutral","sentiment_score":0.1609363853931427},{"word":"from","start":242.855,"end":243.17499,"confidence":0.9991836,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.19719558954238892},{"word":"super","start":243.17499,"end":243.67499,"confidence":0.6501801,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.19771376252174375},{"word":"so","start":243.73499,"end":244.055,"confidence":0.99003476,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14431744813919067},{"word":"3,000","start":244.055,"end":244.69499,"confidence":0.9924754,"punctuated_word":"3,000","sentiment":"neutral","sentiment_score":0.1812157779932022},{"word":"from","start":244.69499,"end":245.17499,"confidence":0.99741936,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.17172597348690033},{"word":"each","start":245.17499,"end":245.575,"confidence":0.98881626,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.15884672105312347},{"word":"if","start":245.575,"end":245.73499,"confidence":0.7327007,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1926613450050354},{"word":"that","start":245.73499,"end":245.81499,"confidence":0.9980629,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18740029633045197},{"word":"works","start":245.81499,"end":246.135,"confidence":0.9990538,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.1808095276355743},{"word":"out","start":246.135,"end":246.375,"confidence":0.985987,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.23042498528957367},{"word":"that","start":246.375,"end":246.53499,"confidence":0.9982755,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17703568935394287},{"word":"way","start":246.53499,"end":246.775,"confidence":0.9990503,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.18413059413433075},{"word":"or","start":246.775,"end":246.935,"confidence":0.9399566,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.15904533863067627},{"word":"proportionately","start":246.935,"end":247.435,"confidence":0.91295135,"punctuated_word":"proportionately","sentiment":"neutral","sentiment_score":0.23172274231910703},{"word":"based","start":247.655,"end":247.97499,"confidence":0.995821,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.15247121453285217},{"word":"on","start":247.97499,"end":248.135,"confidence":0.98179525,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1721939891576767},{"word":"super","start":248.135,"end":248.58,"confidence":0.97529876,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.17816388607025146},{"word":"balances","start":248.74,"end":248.9,"confidence":0.9021125,"punctuated_word":"balances.","sentiment":"neutral","sentiment_score":0.13307815790176392},{"word":"does","start":248.9,"end":249.06,"confidence":0.9742323,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.08474142849445343},{"word":"that","start":249.06,"end":249.22,"confidence":0.99941194,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1450459361076355},{"word":"sound","start":249.22,"end":249.62,"confidence":0.9991872,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.07443013042211533},{"word":"correct","start":249.62,"end":250.12,"confidence":0.99847376,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.06303375959396362},{"word":"that's","start":254.74,"end":255.24,"confidence":0.5416971,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.013413237407803535},{"word":"yeah","start":266.355,"end":266.755,"confidence":0.8872906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0444205179810524},{"word":"no","start":266.755,"end":267.075,"confidence":0.9982314,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.19615021347999573},{"word":"that's","start":267.075,"end":267.395,"confidence":0.9996204,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.23812589049339297},{"word":"honestly","start":267.395,"end":267.795,"confidence":0.9833836,"punctuated_word":"honestly","sentiment":"negative","sentiment_score":-0.35145750641822815},{"word":"not","start":267.795,"end":268.035,"confidence":0.99887997,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3466803729534149},{"word":"that","start":268.035,"end":268.195,"confidence":0.9995142,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.35652345418930054},{"word":"high","start":268.195,"end":268.435,"confidence":0.9994312,"punctuated_word":"high","sentiment":"negative","sentiment_score":-0.3343070149421692},{"word":"at","start":268.435,"end":268.595,"confidence":0.9992118,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.3992181718349457},{"word":"all","start":268.595,"end":268.755,"confidence":0.999452,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.2995437979698181},{"word":"it's","start":268.755,"end":269.075,"confidence":0.99857664,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.2111474871635437},{"word":"essentially","start":269.075,"end":269.575,"confidence":0.9854614,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.14454451203346252},{"word":"72,000","start":269.715,"end":271.015,"confidence":0.9689855,"punctuated_word":"72,000.","sentiment":"neutral","sentiment_score":-0.1351262927055359},{"word":"there","start":272.035,"end":272.435,"confidence":0.5875682,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.1079232022166252},{"word":"are","start":272.435,"end":272.755,"confidence":0.97698104,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":-0.0772615596652031},{"word":"like","start":272.755,"end":273.075,"confidence":0.9984132,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07628308981657028},{"word":"research","start":273.075,"end":273.475,"confidence":0.99913496,"punctuated_word":"research","sentiment":"neutral","sentiment_score":-0.1022881492972374},{"word":"materials","start":273.475,"end":273.975,"confidence":0.99758947,"punctuated_word":"materials","sentiment":"neutral","sentiment_score":-0.05911753326654434},{"word":"out","start":274.035,"end":274.195,"confidence":0.9998392,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.01532500982284546},{"word":"there","start":274.195,"end":274.435,"confidence":0.9664688,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.0510953813791275},{"word":"so","start":274.435,"end":274.675,"confidence":0.99967635,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0026520639657974243},{"word":"one","start":274.675,"end":274.835,"confidence":0.99956125,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.03714095801115036},{"word":"of","start":274.835,"end":274.995,"confidence":0.9998615,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04279349744319916},{"word":"the","start":274.995,"end":275.155,"confidence":0.9997627,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025009270757436752},{"word":"research","start":275.155,"end":275.555,"confidence":0.9987582,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.04025121033191681},{"word":"materials","start":275.555,"end":275.955,"confidence":0.97098666,"punctuated_word":"materials","sentiment":"neutral","sentiment_score":0.016632739454507828},{"word":"is","start":275.955,"end":276.24,"confidence":0.9967063,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04574834182858467},{"word":"assa","start":276.31998,"end":276.71997,"confidence":0.78998286,"punctuated_word":"ASSA,","sentiment":"neutral","sentiment_score":0.04549974203109741},{"word":"and","start":276.71997,"end":277.12,"confidence":0.9995178,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.032373979687690735},{"word":"they","start":277.12,"end":277.44,"confidence":0.99991417,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.05311521515250206},{"word":"essentially","start":277.44,"end":277.94,"confidence":0.9942696,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.052626654505729675},{"word":"take","start":278.0,"end":278.5,"confidence":0.9996675,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.08570227771997452},{"word":"all","start":278.72,"end":278.96,"confidence":0.7043394,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06628696620464325},{"word":"the","start":278.96,"end":279.12,"confidence":0.9991179,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04443277046084404},{"word":"data","start":279.12,"end":279.52,"confidence":0.9998919,"punctuated_word":"data","sentiment":"neutral","sentiment_score":0.07227018475532532},{"word":"collected","start":279.52,"end":279.91998,"confidence":0.9999311,"punctuated_word":"collected","sentiment":"neutral","sentiment_score":0.04386850446462631},{"word":"by","start":279.91998,"end":280.08,"confidence":0.9997508,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.05537702888250351},{"word":"the","start":280.08,"end":280.19998,"confidence":0.9266205,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06382622569799423},{"word":"all","start":280.31998,"end":280.47998,"confidence":0.9973316,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.088189996778965},{"word":"the","start":280.47998,"end":280.63998,"confidence":0.997879,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06494814902544022},{"word":"industry","start":280.63998,"end":281.03998,"confidence":0.96828,"punctuated_word":"industry","sentiment":"neutral","sentiment_score":0.044026657938957214},{"word":"super","start":281.03998,"end":281.28,"confidence":0.96432555,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1224278211593628},{"word":"funds","start":281.28,"end":281.52,"confidence":0.8889636,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.1301872730255127},{"word":"and","start":281.52,"end":281.68,"confidence":0.99214244,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12198355793952942},{"word":"correlate","start":281.68,"end":282.08,"confidence":0.94621557,"punctuated_word":"correlate","sentiment":"neutral","sentiment_score":0.16685214638710022},{"word":"it","start":282.08,"end":282.24,"confidence":0.7634911,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15585258603096008},{"word":"together","start":282.24,"end":282.72,"confidence":0.8389037,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.08664941042661667},{"word":"and","start":282.72,"end":282.88,"confidence":0.99909866,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07127223908901215},{"word":"they're","start":282.88,"end":283.03998,"confidence":0.9996456,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.10093848407268524},{"word":"actually","start":283.03998,"end":283.36,"confidence":0.99742657,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.0857195258140564},{"word":"averaging","start":283.36,"end":283.86,"confidence":0.99878985,"punctuated_word":"averaging","sentiment":"neutral","sentiment_score":0.11801808327436449},{"word":"that","start":283.91998,"end":284.24,"confidence":0.98622316,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05770374834537506},{"word":"most","start":284.24,"end":284.47998,"confidence":0.89861983,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.10304246842861176},{"word":"couples","start":284.47998,"end":284.97998,"confidence":0.9990522,"punctuated_word":"couples","sentiment":"neutral","sentiment_score":0.12509451806545258},{"word":"need","start":285.03998,"end":285.36,"confidence":0.9988165,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.13863605260849},{"word":"to","start":285.36,"end":285.52,"confidence":0.99949634,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07755842059850693},{"word":"draw","start":285.52,"end":286.02,"confidence":0.9994547,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.10947255045175552},{"word":"no","start":286.56,"end":286.8,"confidence":0.96617234,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.03862056881189346},{"word":"less","start":286.8,"end":287.03998,"confidence":0.99984753,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.012637987732887268},{"word":"than","start":287.03998,"end":287.19998,"confidence":0.9977689,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.0632438138127327},{"word":"about","start":287.19998,"end":287.59998,"confidence":0.9954613,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0663795992732048},{"word":"72","start":287.59998,"end":288.08,"confidence":0.9983746,"punctuated_word":"72","sentiment":"neutral","sentiment_score":0.08789777010679245},{"word":"to","start":288.08,"end":288.24,"confidence":0.99121606,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.046395108103752136},{"word":"$76,000","start":288.24,"end":289.68,"confidence":0.9997157,"punctuated_word":"$76,000","sentiment":"neutral","sentiment_score":0.12518812716007233},{"word":"on","start":289.68,"end":289.75998,"confidence":0.9997261,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1222493052482605},{"word":"a","start":289.75998,"end":289.91998,"confidence":0.9995759,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09512311220169067},{"word":"yearly","start":289.91998,"end":290.31998,"confidence":0.99986744,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.12098702788352966},{"word":"basis","start":290.31998,"end":290.81998,"confidence":0.9999279,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.17275285720825195},{"word":"for","start":290.88,"end":291.38,"confidence":0.99517196,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08090177178382874},{"word":"a","start":291.735,"end":291.895,"confidence":0.998914,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11978602409362792},{"word":"minimum","start":291.895,"end":292.375,"confidence":0.9998454,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.13398587703704834},{"word":"to","start":292.375,"end":292.615,"confidence":0.99754864,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1565922647714615},{"word":"comfortable","start":292.615,"end":293.115,"confidence":0.9934117,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.14093658328056335},{"word":"retirement","start":293.175,"end":293.675,"confidence":0.8389212,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.09475909173488616},{"word":"and","start":293.895,"end":294.135,"confidence":0.99798155,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02365437150001526},{"word":"that's","start":294.135,"end":294.455,"confidence":0.999883,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04530411586165428},{"word":"not","start":294.455,"end":294.695,"confidence":0.9999248,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.028167910873889923},{"word":"taking","start":294.695,"end":295.175,"confidence":0.9998863,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.0071711912751197815},{"word":"holidays","start":295.175,"end":295.675,"confidence":0.9996369,"punctuated_word":"holidays","sentiment":"neutral","sentiment_score":-0.034775182604789734},{"word":"every","start":295.735,"end":296.055,"confidence":0.9982805,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.0389641597867012},{"word":"year","start":296.055,"end":296.215,"confidence":0.96824825,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.042466264218091965},{"word":"that's","start":296.215,"end":296.615,"confidence":0.9993943,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03676215186715126},{"word":"just","start":296.615,"end":296.935,"confidence":0.99922705,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06916999816894531},{"word":"basic","start":296.935,"end":297.415,"confidence":0.9755755,"punctuated_word":"basic","sentiment":"neutral","sentiment_score":0.10384688526391984},{"word":"standard","start":297.415,"end":297.815,"confidence":0.8476531,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":0.15139369666576383},{"word":"living","start":297.815,"end":298.215,"confidence":0.99486214,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.11621119827032088},{"word":"expenses","start":298.215,"end":298.715,"confidence":0.98447895,"punctuated_word":"expenses.","sentiment":"neutral","sentiment_score":0.1478656381368637},{"word":"comfortable","start":299.415,"end":299.915,"confidence":0.7714386,"punctuated_word":"Comfortable","sentiment":"neutral","sentiment_score":0.24144481122493744},{"word":"retirement","start":299.975,"end":300.475,"confidence":0.99573225,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.2071194648742676},{"word":"to","start":300.535,"end":300.615,"confidence":0.89896923,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20265629887580872},{"word":"them","start":300.615,"end":300.85498,"confidence":0.9989184,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.249065101146698},{"word":"is","start":300.85498,"end":301.01498,"confidence":0.9983292,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20576027035713196},{"word":"covering","start":301.01498,"end":301.51498,"confidence":0.99982315,"punctuated_word":"covering","sentiment":"neutral","sentiment_score":0.20840150117874143},{"word":"your","start":301.655,"end":301.895,"confidence":0.943588,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18171736598014832},{"word":"mortgage","start":301.895,"end":302.215,"confidence":0.9956593,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.09273771196603776},{"word":"if","start":302.215,"end":302.375,"confidence":0.7035938,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13173255324363708},{"word":"you","start":302.375,"end":302.535,"confidence":0.99959534,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08782228827476501},{"word":"still","start":302.535,"end":302.695,"confidence":0.99936754,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.08928462862968445},{"word":"have","start":302.695,"end":302.935,"confidence":0.99942064,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09419018030166626},{"word":"a","start":302.935,"end":303.01498,"confidence":0.9980921,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08128771185874939},{"word":"mortgage","start":303.01498,"end":303.495,"confidence":0.85192204,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.08188587427139282},{"word":"going","start":303.495,"end":303.735,"confidence":0.9995647,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.13049153983592987},{"word":"out","start":303.735,"end":303.895,"confidence":0.9973145,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11748955398797988},{"word":"to","start":303.895,"end":304.055,"confidence":0.9938444,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0735989362001419},{"word":"have","start":304.055,"end":304.29498,"confidence":0.99636686,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10452207177877426},{"word":"lunch","start":304.29498,"end":304.535,"confidence":0.9994301,"punctuated_word":"lunch","sentiment":"neutral","sentiment_score":0.11804704368114471},{"word":"once","start":304.535,"end":304.85498,"confidence":0.99810165,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.10070141404867172},{"word":"or","start":304.85498,"end":305.01498,"confidence":0.998458,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05557090789079666},{"word":"twice","start":305.01498,"end":305.335,"confidence":0.99973124,"punctuated_word":"twice","sentiment":"neutral","sentiment_score":0.09331830590963364},{"word":"a","start":305.335,"end":305.495,"confidence":0.9969023,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0867699384689331},{"word":"week","start":305.495,"end":305.735,"confidence":0.9820399,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.09510772675275804},{"word":"going","start":305.735,"end":305.895,"confidence":0.98802894,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.11995351314544678},{"word":"to","start":305.895,"end":306.055,"confidence":0.99785954,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11760850250720978},{"word":"the","start":306.055,"end":306.215,"confidence":0.9973308,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06063607335090637},{"word":"movies","start":306.215,"end":306.615,"confidence":0.996976,"punctuated_word":"movies","sentiment":"neutral","sentiment_score":0.051289428025484085},{"word":"a","start":306.615,"end":306.695,"confidence":0.9882079,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.050019893795251846},{"word":"few","start":306.695,"end":306.99,"confidence":0.9969994,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.05480503290891647},{"word":"times","start":306.99,"end":307.22998,"confidence":0.97822744,"punctuated_word":"times,","sentiment":"neutral","sentiment_score":0.07159343361854553},{"word":"having","start":307.22998,"end":307.47,"confidence":0.999597,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.0792786031961441},{"word":"haircuts","start":307.47,"end":307.94998,"confidence":0.9881906,"punctuated_word":"haircuts","sentiment":"neutral","sentiment_score":0.04044086113572121},{"word":"and","start":307.94998,"end":308.19,"confidence":0.50265115,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.005106061697006226},{"word":"things","start":308.19,"end":308.43,"confidence":0.9997602,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.02005723863840103},{"word":"like","start":308.43,"end":308.59,"confidence":0.9997236,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.006526440382003784},{"word":"that","start":308.59,"end":309.09,"confidence":0.9914428,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.0026321522891521454},{"word":"so","start":309.94998,"end":310.27,"confidence":0.70562494,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08380667865276337},{"word":"in","start":310.27,"end":310.43,"confidence":0.7050069,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.12352102249860764},{"word":"all","start":310.43,"end":310.66998,"confidence":0.9994599,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1370005160570145},{"word":"honesty","start":310.66998,"end":311.16998,"confidence":0.87432265,"punctuated_word":"honesty,","sentiment":"neutral","sentiment_score":-0.10867995023727416},{"word":"that's","start":311.22998,"end":311.55,"confidence":0.9997126,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.15528041124343872},{"word":"not","start":311.55,"end":311.87,"confidence":0.99987984,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.20024096965789795},{"word":"very","start":311.87,"end":312.11,"confidence":0.9997938,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.2632372975349426},{"word":"much","start":312.11,"end":312.43,"confidence":0.9999654,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.17880865931510925},{"word":"when","start":312.43,"end":312.59,"confidence":0.99896,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.18833446502685547},{"word":"you","start":312.59,"end":312.75,"confidence":0.99896467,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2078336626291275},{"word":"consider","start":312.75,"end":313.22998,"confidence":0.998936,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.20082414150238037},{"word":"the","start":313.22998,"end":313.38998,"confidence":0.9981494,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2215648591518402},{"word":"cost","start":313.38998,"end":313.63,"confidence":0.999551,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.11366429924964903},{"word":"of","start":313.63,"end":313.87,"confidence":0.9996991,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13804718852043152},{"word":"living","start":313.87,"end":314.34998,"confidence":0.8148494,"punctuated_word":"living,","sentiment":"neutral","sentiment_score":-0.16151323914527893},{"word":"fuel","start":314.34998,"end":314.84998,"confidence":0.99606013,"punctuated_word":"fuel,","sentiment":"neutral","sentiment_score":-0.13220280408859253},{"word":"food","start":315.38998,"end":315.88998,"confidence":0.99885476,"punctuated_word":"food,","sentiment":"neutral","sentiment_score":-0.025213874876499176},{"word":"electricity","start":316.99,"end":317.49,"confidence":0.9993131,"punctuated_word":"electricity.","sentiment":"neutral","sentiment_score":-0.026905614882707596},{"word":"well","start":321.825,"end":322.225,"confidence":0.99428505,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.1425014287233353},{"word":"i","start":322.225,"end":322.305,"confidence":0.9995504,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2488592565059662},{"word":"think","start":322.305,"end":322.805,"confidence":0.823915,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":-0.2884358763694763},{"word":"yeah","start":323.185,"end":323.505,"confidence":0.9885696,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.10480441898107529},{"word":"we","start":323.505,"end":323.825,"confidence":0.99887437,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11677177250385284},{"word":"did","start":323.825,"end":323.985,"confidence":0.9997855,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.061747048050165176},{"word":"have","start":323.985,"end":324.305,"confidence":0.9975974,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08924368768930435},{"word":"originally","start":324.305,"end":324.785,"confidence":0.9152184,"punctuated_word":"originally","sentiment":"neutral","sentiment_score":-0.0936465933918953},{"word":"in","start":324.785,"end":324.945,"confidence":0.93950856,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06386934220790863},{"word":"one","start":324.945,"end":325.105,"confidence":0.9995353,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.06640099734067917},{"word":"of","start":325.105,"end":325.185,"confidence":0.99935955,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.040785834193229675},{"word":"them","start":325.185,"end":325.425,"confidence":0.994922,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.02516871690750122},{"word":"6,000","start":325.425,"end":326.065,"confidence":0.93384916,"punctuated_word":"6,000","sentiment":"neutral","sentiment_score":-0.044348545372486115},{"word":"each","start":326.065,"end":326.385,"confidence":0.8398795,"punctuated_word":"each,","sentiment":"neutral","sentiment_score":-0.08862641453742981},{"word":"and","start":326.385,"end":326.625,"confidence":0.9995907,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.057293668389320374},{"word":"then","start":326.625,"end":326.785,"confidence":0.9997334,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.04105885326862335},{"word":"in","start":326.785,"end":327.025,"confidence":0.9964361,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05138169229030609},{"word":"the","start":327.025,"end":327.105,"confidence":0.99823207,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05516553297638893},{"word":"other","start":327.105,"end":327.425,"confidence":0.9997539,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.05996018648147583},{"word":"one","start":327.425,"end":327.665,"confidence":0.9604655,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.045787662267684937},{"word":"we","start":327.665,"end":327.825,"confidence":0.9995266,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.054458796977996826},{"word":"had","start":327.825,"end":328.065,"confidence":0.9432515,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.04541943967342377},{"word":"3,000","start":328.065,"end":328.785,"confidence":0.9142704,"punctuated_word":"3,000.","sentiment":"neutral","sentiment_score":-0.029292572289705276},{"word":"scott","start":328.785,"end":329.025,"confidence":0.8944462,"punctuated_word":"Scott,","sentiment":"neutral","sentiment_score":-0.010408779606223106},{"word":"i","start":329.025,"end":329.105,"confidence":0.99944824,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02226470038294792},{"word":"believe","start":329.105,"end":329.425,"confidence":0.99970394,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":-0.014117442071437836},{"word":"yours","start":329.425,"end":329.825,"confidence":0.9707583,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":-0.003820175305008888},{"word":"was","start":329.825,"end":329.985,"confidence":0.5108468,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.016153663396835327},{"word":"6,000","start":329.985,"end":330.625,"confidence":0.99821246,"punctuated_word":"6,000","sentiment":"neutral","sentiment_score":0.018862318247556686},{"word":"each","start":330.625,"end":330.945,"confidence":0.99243003,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.0060365572571754456},{"word":"originally","start":330.945,"end":331.425,"confidence":0.8068199,"punctuated_word":"originally.","sentiment":"neutral","sentiment_score":-0.023070715367794037},{"word":"and","start":331.425,"end":331.585,"confidence":0.9984326,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.010385185480117798},{"word":"then","start":331.585,"end":331.825,"confidence":0.78964704,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.025335872545838356},{"word":"lisa","start":331.825,"end":332.145,"confidence":0.9940708,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":0.017160363495349884},{"word":"when","start":332.145,"end":332.385,"confidence":0.99849737,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.010302765294909475},{"word":"i","start":332.385,"end":332.465,"confidence":0.9963987,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.030009154230356216},{"word":"spoke","start":332.465,"end":332.705,"confidence":0.9976025,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.03171621263027191},{"word":"to","start":332.705,"end":332.865,"confidence":0.9917143,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0339285284280777},{"word":"you","start":332.865,"end":332.945,"confidence":0.90232563,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.02531958930194378},{"word":"it","start":332.945,"end":333.105,"confidence":0.43035093,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05193006247282028},{"word":"was","start":333.105,"end":333.26498,"confidence":0.5910794,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.015467874705791472},{"word":"a","start":333.26498,"end":333.425,"confidence":0.6798535,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07184639573097229},{"word":"6,000","start":333.425,"end":333.9,"confidence":0.9239193,"punctuated_word":"6,000","sentiment":"neutral","sentiment_score":0.07604768872261047},{"word":"combined","start":334.13998,"end":334.54,"confidence":0.99450994,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":0.0861433818936348},{"word":"3,000","start":334.54,"end":335.18,"confidence":0.7666622,"punctuated_word":"3,000","sentiment":"neutral","sentiment_score":0.08441713452339172},{"word":"from","start":335.18,"end":335.41998,"confidence":0.99570787,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08062097430229187},{"word":"each","start":335.41998,"end":335.82,"confidence":0.8367061,"punctuated_word":"each.","sentiment":"neutral","sentiment_score":0.03943969681859016},{"word":"but","start":335.82,"end":336.32,"confidence":0.9869834,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.13535867631435394},{"word":"i'm","start":336.54,"end":336.69998,"confidence":0.9891052,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2991098165512085},{"word":"happy","start":336.69998,"end":337.1,"confidence":0.9965233,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.32042333483695984},{"word":"to","start":337.1,"end":337.18,"confidence":0.99783033,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3030994236469269},{"word":"work","start":337.18,"end":337.41998,"confidence":0.9983525,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.5294764041900635},{"word":"on","start":337.41998,"end":337.74,"confidence":0.99044657,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.35283416509628296},{"word":"either","start":337.74,"end":338.13998,"confidence":0.9863944,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":0.1752554029226303},{"word":"what","start":338.13998,"end":338.54,"confidence":0.988613,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.07759188115596771},{"word":"goal","start":338.54,"end":338.94,"confidence":0.9433571,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.14134076237678528},{"word":"would","start":338.94,"end":339.18,"confidence":0.98503023,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07626820355653763},{"word":"you","start":339.18,"end":339.41998,"confidence":0.9795878,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09711021929979324},{"word":"like","start":339.41998,"end":339.66,"confidence":0.954098,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07556073367595673},{"word":"me","start":339.66,"end":339.82,"confidence":0.96131897,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08120688050985336},{"word":"to","start":339.82,"end":339.97998,"confidence":0.97856987,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08826681226491928},{"word":"work","start":339.97998,"end":340.22,"confidence":0.9875938,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.10699772834777832},{"word":"for","start":340.22,"end":340.46,"confidence":0.893389,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11492553353309631},{"word":"for","start":340.46,"end":340.62,"confidence":0.94464403,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0976901650428772},{"word":"you","start":340.62,"end":341.12,"confidence":0.97637,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.0670936331152916},{"word":"yeah","start":347.5,"end":348.0,"confidence":0.6579939,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17043903470039368},{"word":"absolutely","start":349.315,"end":349.815,"confidence":0.8274095,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.16110694408416748},{"word":"yep","start":350.51498,"end":351.01498,"confidence":0.98356795,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2668907046318054},{"word":"that's","start":352.115,"end":352.51498,"confidence":0.99092054,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5481934547424316},{"word":"absolutely","start":352.51498,"end":353.01498,"confidence":0.9988337,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.606582760810852},{"word":"fine","start":353.315,"end":353.795,"confidence":0.995782,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.5015888214111328},{"word":"let's","start":353.795,"end":354.115,"confidence":0.7107855,"punctuated_word":"Let's","sentiment":"positive","sentiment_score":0.4472259283065796},{"word":"aim","start":354.115,"end":354.275,"confidence":0.99443275,"punctuated_word":"aim","sentiment":"positive","sentiment_score":0.45469117164611816},{"word":"for","start":354.275,"end":354.435,"confidence":0.7932044,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.46057677268981934},{"word":"the","start":354.435,"end":354.675,"confidence":0.99808323,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.40572795271873474},{"word":"stars","start":354.675,"end":355.175,"confidence":0.98447585,"punctuated_word":"stars.","sentiment":"neutral","sentiment_score":0.3204704225063324},{"word":"so","start":356.355,"end":356.855,"confidence":0.9524125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1233614832162857},{"word":"yeah","start":359.395,"end":359.715,"confidence":0.9930354,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1286131739616394},{"word":"yeah","start":359.715,"end":360.215,"confidence":0.9604325,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05304192006587982},{"word":"correct","start":362.675,"end":363.175,"confidence":0.99710727,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.20833860337734225},{"word":"yeah","start":363.395,"end":363.715,"confidence":0.9992429,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18090683221817017},{"word":"no","start":363.715,"end":363.955,"confidence":0.9936979,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.151908278465271},{"word":"that","start":363.955,"end":364.115,"confidence":0.9994703,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2475285828113556},{"word":"is","start":364.115,"end":364.275,"confidence":0.99937373,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.24515363574028015},{"word":"completely","start":364.275,"end":364.595,"confidence":0.99891305,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.30322492122650146},{"word":"tax","start":364.595,"end":364.95,"confidence":0.98298866,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.3294815719127655},{"word":"free","start":364.95,"end":365.19,"confidence":0.99328625,"punctuated_word":"free.","sentiment":"neutral","sentiment_score":0.14833888411521912},{"word":"so","start":365.19,"end":365.35,"confidence":0.9989599,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20492485165596008},{"word":"once","start":365.35,"end":365.59003,"confidence":0.9829951,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.1742798388004303},{"word":"you","start":365.59003,"end":365.83002,"confidence":0.9960276,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2201859354972839},{"word":"retire","start":365.83002,"end":366.15002,"confidence":0.98648584,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.1457192599773407},{"word":"and","start":366.15002,"end":366.23,"confidence":0.7142898,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16458848118782043},{"word":"you","start":366.23,"end":366.39,"confidence":0.4434199,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2082558870315552},{"word":"know","start":366.39,"end":366.59003,"confidence":0.5146751,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.15224289894104004},{"word":"that","start":366.59003,"end":366.79,"confidence":0.2391401,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18607927858829496},{"word":"time","start":366.79,"end":367.11002,"confidence":0.5112542,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.15587249398231506},{"word":"and","start":367.11002,"end":367.35,"confidence":0.9691338,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15972541272640228},{"word":"phase","start":367.35,"end":367.75,"confidence":0.9797977,"punctuated_word":"phase,","sentiment":"neutral","sentiment_score":0.1628904640674591},{"word":"there","start":367.75,"end":367.91,"confidence":0.999764,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1399814486503601},{"word":"is","start":367.91,"end":368.15002,"confidence":0.99979144,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09791199862957},{"word":"no","start":368.15002,"end":368.65002,"confidence":0.9997968,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.07406911253929138},{"word":"income","start":369.19,"end":369.69,"confidence":0.72131526,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.05084553360939026},{"word":"capital","start":370.07,"end":370.47,"confidence":0.7253517,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.06112265586853027},{"word":"gains","start":370.47,"end":370.87003,"confidence":0.78916097,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.07045812904834747},{"word":"tax","start":370.87003,"end":371.35,"confidence":0.97721153,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.06877824664115906},{"word":"everything's","start":371.35,"end":371.83002,"confidence":0.9718939,"punctuated_word":"Everything's","sentiment":"neutral","sentiment_score":0.22365979850292209},{"word":"tax","start":371.83002,"end":372.15002,"confidence":0.99963486,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.4081405699253082},{"word":"free","start":372.15002,"end":372.39,"confidence":0.9993048,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.32782474160194397},{"word":"in","start":372.39,"end":372.55002,"confidence":0.9930078,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2932112216949463},{"word":"that","start":372.55002,"end":372.79,"confidence":0.99906427,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3114117383956909},{"word":"pension","start":372.79,"end":373.27002,"confidence":0.98695683,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.3127349317073822},{"word":"phase","start":373.27002,"end":373.51,"confidence":0.98425364,"punctuated_word":"phase,","sentiment":"neutral","sentiment_score":0.30699434876441956},{"word":"which","start":373.51,"end":373.67,"confidence":0.99861336,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2845379412174225},{"word":"is","start":373.67,"end":373.83002,"confidence":0.99807525,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2579836845397949},{"word":"kind","start":373.83002,"end":374.07,"confidence":0.9941446,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2328023910522461},{"word":"of","start":374.07,"end":374.23,"confidence":0.9989473,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25150638818740845},{"word":"really","start":374.23,"end":374.39,"confidence":0.9974228,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.24094486236572263},{"word":"nice","start":374.39,"end":374.79,"confidence":0.9988176,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.6685387492179871},{"word":"after","start":374.79,"end":375.11002,"confidence":0.99447954,"punctuated_word":"after","sentiment":"positive","sentiment_score":0.4745205640792846},{"word":"working","start":375.11002,"end":375.43002,"confidence":0.99801046,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.530428946018219},{"word":"for","start":375.43002,"end":375.93002,"confidence":0.9876654,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5256848931312561},{"word":"basically","start":376.07,"end":376.55002,"confidence":0.7119276,"punctuated_word":"basically","sentiment":"positive","sentiment_score":0.6430233120918274},{"word":"a","start":376.55002,"end":376.71002,"confidence":0.95949954,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6245629191398621},{"word":"lifetime","start":376.71002,"end":377.145,"confidence":0.94780636,"punctuated_word":"lifetime.","sentiment":"positive","sentiment_score":0.5919912457466125},{"word":"mhmm","start":383.38498,"end":383.88498,"confidence":0.979733,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0524279847741127},{"word":"yep","start":386.905,"end":387.405,"confidence":0.9894676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06559838354587555},{"word":"yeah","start":387.465,"end":387.625,"confidence":0.8602381,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07107909023761749},{"word":"i","start":387.625,"end":387.705,"confidence":0.99489623,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0586700476706028},{"word":"can","start":387.705,"end":387.865,"confidence":0.99971575,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06087721511721611},{"word":"look","start":387.865,"end":388.10498,"confidence":0.99892104,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08299195766448975},{"word":"at","start":388.10498,"end":388.185,"confidence":0.9991228,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09242504090070724},{"word":"that","start":388.185,"end":388.425,"confidence":0.9998747,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08994907885789871},{"word":"for","start":388.425,"end":388.585,"confidence":0.99972326,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09468230605125429},{"word":"you","start":388.585,"end":388.905,"confidence":0.9965534,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11108376830816268},{"word":"absolutely","start":388.905,"end":389.405,"confidence":0.9995909,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.13072219491004944},{"word":"what","start":390.59,"end":390.83,"confidence":0.97907263,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.0667278915643692},{"word":"are","start":390.83,"end":391.07,"confidence":0.9984485,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08402929455041885},{"word":"your","start":391.07,"end":391.55,"confidence":0.9993099,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07977520674467087},{"word":"average","start":391.55,"end":391.95,"confidence":0.99949765,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.07481728494167328},{"word":"what's","start":392.19,"end":392.51,"confidence":0.9996448,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.0590609610080719},{"word":"your","start":392.51,"end":392.67,"confidence":0.99966097,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.055363111197948456},{"word":"average","start":392.67,"end":393.15,"confidence":0.99991834,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.06070391461253166},{"word":"monthly","start":393.15,"end":393.63,"confidence":0.9995402,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.07678663730621338},{"word":"expenditure","start":393.63,"end":394.13,"confidence":0.9961172,"punctuated_word":"expenditure?","sentiment":"neutral","sentiment_score":0.06495632231235504},{"word":"yeah","start":398.51,"end":398.91,"confidence":0.98031896,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04478838294744491},{"word":"jointly","start":398.91,"end":399.41,"confidence":0.99214125,"punctuated_word":"Jointly.","sentiment":"neutral","sentiment_score":0.0672515332698822},{"word":"yeah","start":399.47,"end":399.71,"confidence":0.8955325,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.043119873851537704},{"word":"what","start":399.71,"end":399.95,"confidence":0.9996451,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.03677371144294739},{"word":"do","start":399.95,"end":400.11,"confidence":0.9881517,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03403857722878456},{"word":"you","start":400.11,"end":400.27,"confidence":0.969621,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05167415738105774},{"word":"guys'","start":400.27,"end":400.59,"confidence":0.7468716,"punctuated_word":"guys'","sentiment":"neutral","sentiment_score":0.05040261149406433},{"word":"average","start":400.59,"end":401.09,"confidence":0.99900764,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.03938865289092064},{"word":"expenses","start":401.87,"end":402.37,"confidence":0.9757312,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.06427129358053207},{"word":"every","start":402.405,"end":402.885,"confidence":0.9997247,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.02790987491607666},{"word":"month","start":402.885,"end":403.385,"confidence":0.999337,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.03988184034824371},{"word":"say","start":414.325,"end":414.825,"confidence":0.985597,"punctuated_word":"say?","sentiment":"neutral","sentiment_score":0.036358095705509186},{"word":"mhmm","start":415.525,"end":415.83,"confidence":0.94537365,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.006023236084729433},{"word":"4,700","start":418.22998,"end":419.59,"confidence":0.99377215,"punctuated_word":"4,700","sentiment":"neutral","sentiment_score":0.014928129501640797},{"word":"per","start":419.59,"end":419.83,"confidence":0.99942684,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.01270999014377594},{"word":"month","start":419.83,"end":420.33,"confidence":0.9991567,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.03801119327545166},{"word":"beautiful","start":420.47,"end":420.97,"confidence":0.9997065,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.271225243806839},{"word":"yeah","start":425.50998,"end":426.00998,"confidence":0.79851484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07206854224205017},{"word":"yeah","start":429.11,"end":429.61,"confidence":0.9771552,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06178240105509758},{"word":"yeah","start":430.01498,"end":430.51498,"confidence":0.9449167,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03263188898563385},{"word":"absolutely","start":430.735,"end":431.235,"confidence":0.88215566,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.11392141878604888},{"word":"i","start":431.69498,"end":431.85498,"confidence":0.9983601,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.023175425827503204},{"word":"think","start":431.85498,"end":432.095,"confidence":0.9999474,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0024602562189102173},{"word":"the","start":432.095,"end":432.255,"confidence":0.99953866,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009305045008659365},{"word":"main","start":432.255,"end":432.41498,"confidence":0.9999453,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.00193864107131958},{"word":"thing","start":432.41498,"end":432.655,"confidence":0.99929047,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.048064954578876495},{"word":"we're","start":432.655,"end":432.895,"confidence":0.6900334,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.00048519670963287354},{"word":"looking","start":432.895,"end":433.13498,"confidence":0.99958616,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0014935508370399475},{"word":"at","start":433.13498,"end":433.29498,"confidence":0.9993357,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.005034312605857849},{"word":"that","start":433.29498,"end":433.455,"confidence":0.98749304,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.004739351570606232},{"word":"now","start":433.455,"end":433.775,"confidence":0.9996946,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.005058318376541138},{"word":"is","start":433.775,"end":434.255,"confidence":0.9986261,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.030409283936023712},{"word":"if","start":434.255,"end":434.495,"confidence":0.7728133,"punctuated_word":"if,","sentiment":"neutral","sentiment_score":0.005774922668933868},{"word":"lisa","start":434.495,"end":434.895,"confidence":0.7661287,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":-0.011613644659519196},{"word":"you're","start":434.895,"end":435.055,"confidence":0.9978217,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.030449194833636284},{"word":"wanting","start":435.055,"end":435.375,"confidence":0.9995987,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.04893983900547027},{"word":"to","start":435.375,"end":435.455,"confidence":0.9993975,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.008683465421199799},{"word":"drop","start":435.455,"end":435.69498,"confidence":0.999798,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.02736501395702362},{"word":"your","start":435.69498,"end":435.85498,"confidence":0.9993024,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0723063126206398},{"word":"hours","start":435.85498,"end":436.175,"confidence":0.9988674,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.08797024190425873},{"word":"to","start":436.175,"end":436.41498,"confidence":0.9929934,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021362662315368652},{"word":"50%","start":436.41498,"end":437.215,"confidence":0.9845393,"punctuated_word":"50%,","sentiment":"neutral","sentiment_score":-0.001164015382528305},{"word":"it","start":437.215,"end":437.375,"confidence":0.9994031,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0789775401353836},{"word":"means","start":437.375,"end":437.615,"confidence":0.99993074,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.032922014594078064},{"word":"dropping","start":437.615,"end":438.01498,"confidence":0.998976,"punctuated_word":"dropping","sentiment":"neutral","sentiment_score":-0.029169030487537384},{"word":"your","start":438.01498,"end":438.175,"confidence":0.9966043,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05318758636713028},{"word":"income","start":438.175,"end":438.57498,"confidence":0.9999486,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.0346258208155632},{"word":"as","start":438.57498,"end":438.735,"confidence":0.999908,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03383443504571915},{"word":"well","start":438.735,"end":439.215,"confidence":0.9974482,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.021731697022914886},{"word":"so","start":439.215,"end":439.69498,"confidence":0.9994136,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.006940603256225586},{"word":"if","start":439.69498,"end":439.85498,"confidence":0.9977946,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01174325868487358},{"word":"we","start":439.85498,"end":440.01498,"confidence":0.99912876,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03471178561449051},{"word":"wanna","start":440.01498,"end":440.335,"confidence":0.98162353,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0667017251253128},{"word":"look","start":440.335,"end":440.495,"confidence":0.99920887,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04530972242355347},{"word":"at","start":440.495,"end":440.735,"confidence":0.9984769,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02894245833158493},{"word":"what","start":440.735,"end":440.895,"confidence":0.9995875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03967517614364624},{"word":"that","start":440.895,"end":441.055,"confidence":0.99914885,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04171080142259598},{"word":"means","start":441.055,"end":441.375,"confidence":0.9995958,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.0010931193828582764},{"word":"for","start":441.375,"end":441.535,"confidence":0.69409657,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.029018566012382507},{"word":"your","start":441.535,"end":441.69498,"confidence":0.8869319,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07410189509391785},{"word":"sleep","start":441.69498,"end":441.935,"confidence":0.965208,"punctuated_word":"sleep","sentiment":"neutral","sentiment_score":0.0625683069229126},{"word":"or","start":441.935,"end":442.01498,"confidence":0.4988264,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10775035619735718},{"word":"what","start":442.01498,"end":442.175,"confidence":0.9984767,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10146845877170564},{"word":"your","start":442.175,"end":442.41498,"confidence":0.9984723,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07631602138280869},{"word":"contributions","start":442.41498,"end":442.91498,"confidence":0.99516404,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.09322472661733627},{"word":"look","start":443.055,"end":443.29498,"confidence":0.9346676,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08221980929374695},{"word":"like","start":443.29498,"end":443.455,"confidence":0.9992212,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0853029191493988},{"word":"going","start":443.455,"end":443.775,"confidence":0.9991947,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.10429935157299042},{"word":"in","start":443.775,"end":443.935,"confidence":0.99655694,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.06478949636220932},{"word":"we","start":443.935,"end":444.095,"confidence":0.99936455,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08226335793733597},{"word":"wanna","start":444.095,"end":444.41498,"confidence":0.9954182,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.14773492515087128},{"word":"also","start":444.41498,"end":444.735,"confidence":0.9978397,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09256105124950408},{"word":"make","start":444.735,"end":444.96,"confidence":0.9945425,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05689210444688797},{"word":"sure","start":444.96,"end":445.28,"confidence":0.9998393,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.052577368915081024},{"word":"that","start":445.28,"end":445.44,"confidence":0.9999138,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08087293058633804},{"word":"if","start":445.44,"end":445.75998,"confidence":0.99087286,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08646564185619354},{"word":"we","start":445.75998,"end":445.91998,"confidence":0.99947685,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05792944133281708},{"word":"tell","start":445.91998,"end":446.08,"confidence":0.9994505,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.05059503763914108},{"word":"you","start":446.08,"end":446.24,"confidence":0.99983966,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09388713538646698},{"word":"to","start":446.24,"end":446.4,"confidence":0.9987833,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.045804791152477264},{"word":"do","start":446.4,"end":446.56,"confidence":0.9997414,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06698501855134964},{"word":"that","start":446.56,"end":446.8,"confidence":0.95006686,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.07775399088859558},{"word":"if","start":446.8,"end":446.88,"confidence":0.9995009,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07283344864845276},{"word":"we","start":446.88,"end":447.12,"confidence":0.9993082,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10179362446069716},{"word":"say","start":447.12,"end":447.28,"confidence":0.9991875,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.14430005848407745},{"word":"it's","start":447.28,"end":447.52,"confidence":0.99891627,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.12741179764270782},{"word":"possible","start":447.52,"end":448.02,"confidence":0.88887477,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":0.0907074436545372},{"word":"and","start":448.72,"end":448.96,"confidence":0.9981817,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030800852924585342},{"word":"it","start":448.96,"end":449.19998,"confidence":0.9418874,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.00536760687828064},{"word":"means","start":449.19998,"end":449.6,"confidence":0.9974481,"punctuated_word":"means,","sentiment":"neutral","sentiment_score":0.005759014748036861},{"word":"you","start":449.6,"end":449.68,"confidence":0.99939144,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0019339025020599363},{"word":"know","start":449.68,"end":449.91998,"confidence":0.99994135,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.005799420177936554},{"word":"putting","start":449.91998,"end":450.24,"confidence":0.99974245,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.01840999722480774},{"word":"in","start":450.24,"end":450.31998,"confidence":0.63049644,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.022372713312506676},{"word":"extra","start":450.31998,"end":450.63998,"confidence":0.9996666,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.014210831373929976},{"word":"contributions","start":450.63998,"end":451.13998,"confidence":0.9989489,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.025371992960572243},{"word":"to","start":451.28,"end":451.52,"confidence":0.99491704,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016616925597190857},{"word":"supplement","start":451.52,"end":452.02,"confidence":0.9776014,"punctuated_word":"supplement,","sentiment":"neutral","sentiment_score":0.0191997941583395},{"word":"we","start":452.4,"end":452.56,"confidence":0.99783593,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.021100066602230072},{"word":"wanna","start":452.56,"end":452.88,"confidence":0.99458057,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.03695327788591385},{"word":"make","start":452.88,"end":453.03998,"confidence":0.9990263,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.01812983676791191},{"word":"sure","start":453.03998,"end":453.19998,"confidence":0.9991511,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.04074551910161972},{"word":"that","start":453.19998,"end":453.36,"confidence":0.9990701,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.040968459099531174},{"word":"you're","start":453.36,"end":453.59998,"confidence":0.9964925,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.029537733644247055},{"word":"still","start":453.59998,"end":453.84,"confidence":0.99945086,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.036747001111507416},{"word":"able","start":453.84,"end":454.08,"confidence":0.9998387,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.03824198991060257},{"word":"to","start":454.08,"end":454.24,"confidence":0.99896955,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04099332541227341},{"word":"cover","start":454.24,"end":454.47998,"confidence":0.99988127,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.0327901616692543},{"word":"your","start":454.47998,"end":454.8,"confidence":0.99679047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03591546416282654},{"word":"expenditure","start":454.8,"end":455.3,"confidence":0.71663475,"punctuated_word":"expenditure,","sentiment":"neutral","sentiment_score":0.012887224555015564},{"word":"the","start":455.36,"end":455.59998,"confidence":0.5500006,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1204732060432434},{"word":"not","start":455.68,"end":455.84,"confidence":0.99821377,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.056867919862270355},{"word":"eating","start":455.84,"end":456.16,"confidence":0.85515475,"punctuated_word":"eating","sentiment":"neutral","sentiment_score":-0.08431743830442429},{"word":"too","start":456.16,"end":456.31998,"confidence":0.999511,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.15018799901008606},{"word":"much","start":456.31998,"end":456.56,"confidence":0.9998373,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.08959486335515976},{"word":"of","start":456.56,"end":456.72,"confidence":0.99980396,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08336566388607025},{"word":"that","start":456.72,"end":457.03998,"confidence":0.99969137,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0758693516254425},{"word":"away","start":457.03998,"end":457.53998,"confidence":0.9924486,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":-0.0992901474237442},{"word":"so","start":458.47998,"end":458.895,"confidence":0.6170473,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04317376762628555},{"word":"that's","start":459.13498,"end":459.375,"confidence":0.9984107,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0653696358203888},{"word":"definitely","start":459.375,"end":459.85498,"confidence":0.99666613,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.10141243040561676},{"word":"sort","start":459.85498,"end":459.935,"confidence":0.9778893,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0760667473077774},{"word":"of","start":459.935,"end":460.25497,"confidence":0.9983821,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09611327946186066},{"word":"to","start":460.25497,"end":460.41498,"confidence":0.81022376,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10865627229213716},{"word":"factor","start":460.41498,"end":460.815,"confidence":0.9984066,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.15510499477386477},{"word":"in","start":460.815,"end":461.315,"confidence":0.9898345,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.13012558221817017},{"word":"when","start":461.535,"end":461.775,"confidence":0.99779886,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.020557990297675133},{"word":"we","start":461.775,"end":462.275,"confidence":0.9998933,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.006215108558535576},{"word":"income","start":462.895,"end":463.29498,"confidence":0.96046543,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.025830132886767387},{"word":"wise","start":463.29498,"end":463.69498,"confidence":0.9980058,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.009586213156580923},{"word":"now","start":463.69498,"end":463.85498,"confidence":0.98929626,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.006649330258369446},{"word":"so","start":464.01498,"end":464.25497,"confidence":0.9374249,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.011873103678226473},{"word":"lisa","start":464.25497,"end":464.57498,"confidence":0.99584436,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":0.009304234758019447},{"word":"what's","start":464.57498,"end":464.895,"confidence":0.9997338,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.007842738181352615},{"word":"your","start":464.895,"end":465.055,"confidence":0.99963236,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.007528722286224365},{"word":"income","start":465.055,"end":465.375,"confidence":0.9998354,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0126008540391922},{"word":"at","start":465.375,"end":465.615,"confidence":0.9993789,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.001857927069067955},{"word":"the","start":465.615,"end":465.69498,"confidence":0.9987373,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007397112436592579},{"word":"moment","start":465.69498,"end":466.19498,"confidence":0.9990112,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.005868969950824976},{"word":"yeah","start":470.01498,"end":470.51498,"confidence":0.8047509,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.007256335113197565},{"word":"growth","start":470.57498,"end":471.07498,"confidence":0.76705015,"punctuated_word":"Growth.","sentiment":"neutral","sentiment_score":0.010529881343245506},{"word":"both","start":471.69498,"end":472.19498,"confidence":0.78497976,"punctuated_word":"Both.","sentiment":"neutral","sentiment_score":0.010131357237696648},{"word":"if","start":472.41498,"end":472.57498,"confidence":0.8352683,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.012311883270740507},{"word":"you","start":472.815,"end":472.97498,"confidence":0.98493147,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01474293228238821},{"word":"can","start":472.97498,"end":473.13498,"confidence":0.972258,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.020183904096484184},{"word":"do","start":473.13498,"end":473.375,"confidence":0.89402044,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.014258363284170628},{"word":"growth","start":473.375,"end":473.615,"confidence":0.5736708,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.023898856714367867},{"word":"if","start":473.615,"end":473.775,"confidence":0.8162953,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.021995555609464645},{"word":"you","start":473.775,"end":473.85498,"confidence":0.9909176,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018473420292139053},{"word":"want","start":473.85498,"end":474.09,"confidence":0.9034947,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.01835541240870953},{"word":"that","start":474.09,"end":474.59,"confidence":0.54512906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022776499390602112},{"word":"i","start":475.21,"end":475.71,"confidence":0.5651763,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02628786861896515},{"word":"can","start":476.33,"end":476.83,"confidence":0.6366567,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03181403502821922},{"word":"work","start":477.45,"end":477.95,"confidence":0.5824139,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.02017761394381523},{"word":"out","start":478.57,"end":479.07,"confidence":0.9353492,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.023879967629909515},{"word":"yep","start":479.69,"end":480.19,"confidence":0.9617916,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02228495106101036},{"word":"$8.07","start":480.81,"end":481.44998,"confidence":0.9946464,"punctuated_word":"$8.07","sentiment":"neutral","sentiment_score":0.016107236966490746},{"word":"6","start":481.44998,"end":481.85,"confidence":0.993734,"punctuated_word":"6.","sentiment":"neutral","sentiment_score":0.02370385639369488},{"word":"yep","start":481.85,"end":482.25,"confidence":0.97172713,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09204666316509248},{"word":"beautiful","start":482.25,"end":482.75,"confidence":0.99937284,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.404760479927063},{"word":"it's","start":483.05,"end":483.29,"confidence":0.94427145,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2008858621120453},{"word":"about","start":483.29,"end":483.61,"confidence":0.99949193,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16400228440761566},{"word":"the","start":483.61,"end":483.77,"confidence":0.9974916,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07959722727537155},{"word":"same","start":483.77,"end":484.27,"confidence":0.9971763,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.09624139964580536},{"word":"$5.01","start":489.37,"end":489.885,"confidence":0.93585634,"punctuated_word":"$5.01","sentiment":"neutral","sentiment_score":0.03229127451777458},{"word":"$4.08","start":490.125,"end":490.86502,"confidence":0.9990807,"punctuated_word":"$4.08","sentiment":"neutral","sentiment_score":0.04227238893508911},{"word":"and","start":490.92502,"end":491.245,"confidence":0.98284423,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0413067564368248},{"word":"60¢","start":491.245,"end":492.14502,"confidence":0.99285305,"punctuated_word":"60¢."},{"word":"beautiful","start":492.285,"end":492.785,"confidence":0.990908,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.3243889808654785},{"word":"and","start":492.845,"end":493.165,"confidence":0.87564653,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2462427169084549},{"word":"per","start":493.165,"end":493.325,"confidence":0.997036,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.27401652932167053},{"word":"month","start":493.325,"end":493.725,"confidence":0.99706674,"punctuated_word":"month.","sentiment":"positive","sentiment_score":0.4817912876605987},{"word":"excellent","start":493.725,"end":494.225,"confidence":0.9987755,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4577213227748871},{"word":"full","start":497.64502,"end":497.965,"confidence":0.87442577,"punctuated_word":"Full","sentiment":"neutral","sentiment_score":0.2554273307323456},{"word":"time","start":497.965,"end":498.465,"confidence":0.9826797,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.2476554214954376},{"word":"yep","start":501.405,"end":501.80502,"confidence":0.9459593,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1330505907535553},{"word":"okay","start":501.80502,"end":502.125,"confidence":0.99782217,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.25324583053588867},{"word":"perfect","start":502.125,"end":502.52502,"confidence":0.9995247,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.14254029095172882},{"word":"so","start":502.52502,"end":502.685,"confidence":0.98727304,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.024270564317703247},{"word":"if","start":502.685,"end":502.845,"confidence":0.9990433,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03175412118434906},{"word":"you","start":502.845,"end":502.92502,"confidence":0.99904114,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02567894756793976},{"word":"drop","start":502.92502,"end":503.245,"confidence":0.95266384,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.02823464199900627},{"word":"down","start":503.245,"end":503.405,"confidence":0.9957569,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.009235408157110214},{"word":"to","start":503.405,"end":503.48502,"confidence":0.9907616,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012986045330762863},{"word":"50%","start":503.48502,"end":504.125,"confidence":0.99834883,"punctuated_word":"50%,","sentiment":"neutral","sentiment_score":0.003931904211640358},{"word":"we'd","start":504.125,"end":504.36502,"confidence":0.99052143,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.009040405973792076},{"word":"assume","start":504.36502,"end":504.765,"confidence":0.99682474,"punctuated_word":"assume","sentiment":"neutral","sentiment_score":0.022586140781641006},{"word":"50%","start":504.765,"end":505.325,"confidence":0.9948136,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.020914293825626373},{"word":"of","start":505.325,"end":505.68,"confidence":0.9820409,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007501546293497086},{"word":"your","start":505.68,"end":505.84,"confidence":0.92567647,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01133769005537033},{"word":"income","start":505.84,"end":506.16,"confidence":0.7916858,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.006934396922588348},{"word":"so","start":506.16,"end":506.32,"confidence":0.99044436,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0199010968208313},{"word":"it","start":506.32,"end":506.47998,"confidence":0.97543645,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.015283145010471344},{"word":"would","start":506.47998,"end":506.63998,"confidence":0.9987237,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.0016623474657535553},{"word":"drop","start":506.63998,"end":506.88,"confidence":0.99026895,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.008520957082509995},{"word":"by","start":506.88,"end":507.03998,"confidence":0.9865455,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.026299595832824707},{"word":"about","start":507.03998,"end":507.36,"confidence":0.93967855,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.008206028491258621},{"word":"50%","start":507.36,"end":508.08,"confidence":0.95513326,"punctuated_word":"50%,","sentiment":"neutral","sentiment_score":-0.00671866349875927},{"word":"say","start":508.08,"end":508.58,"confidence":0.9866778,"punctuated_word":"say.","sentiment":"neutral","sentiment_score":-0.03814755752682686},{"word":"yep","start":512.8,"end":513.2,"confidence":0.9553806,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01961430720984936},{"word":"that's","start":513.2,"end":513.52,"confidence":0.9911097,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.026209726929664612},{"word":"okay","start":513.52,"end":514.0,"confidence":0.9995694,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.01846330799162388},{"word":"can","start":514.0,"end":514.24,"confidence":0.99867505,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.014672569930553436},{"word":"i","start":514.24,"end":514.74,"confidence":0.9986951,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.016925066709518433},{"word":"ask","start":515.2,"end":515.36,"confidence":0.99692553,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.01139882393181324},{"word":"what's","start":515.36,"end":515.6,"confidence":0.89205396,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.008379146456718445},{"word":"your","start":515.6,"end":516.1,"confidence":0.99432963,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.013219745829701424},{"word":"what's","start":516.72,"end":516.96,"confidence":0.92758584,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.012432605028152466},{"word":"your","start":516.96,"end":517.2,"confidence":0.9989222,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.012952050194144247},{"word":"hourly","start":517.2,"end":517.6,"confidence":0.8712648,"punctuated_word":"hourly","sentiment":"neutral","sentiment_score":0.02364476397633553},{"word":"rate","start":517.6,"end":517.76,"confidence":0.797909,"punctuated_word":"rate,","sentiment":"neutral","sentiment_score":0.0174853578209877},{"word":"and","start":517.76,"end":518.0,"confidence":0.9979989,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013139909133315086},{"word":"how","start":518.0,"end":518.08,"confidence":0.9980205,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.010310642421245577},{"word":"many","start":518.08,"end":518.32,"confidence":0.9963542,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.01029985211789608},{"word":"hours","start":518.32,"end":518.64,"confidence":0.99853516,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.011180605739355087},{"word":"would","start":518.64,"end":518.88,"confidence":0.99668103,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.01848708838224411},{"word":"you","start":518.88,"end":519.04,"confidence":0.992753,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007973959669470787},{"word":"expect","start":519.04,"end":519.27997,"confidence":0.99845016,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.007394220679998398},{"word":"to","start":519.27997,"end":519.44,"confidence":0.99578106,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005609951913356781},{"word":"work","start":519.44,"end":519.6,"confidence":0.9548273,"punctuated_word":"work?","sentiment":"neutral","sentiment_score":-0.0020421668887138367},{"word":"because","start":519.6,"end":519.83997,"confidence":0.9721572,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.005527852103114128},{"word":"i","start":519.83997,"end":519.92,"confidence":0.98791283,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00481795147061348},{"word":"can","start":519.92,"end":520.08,"confidence":0.988213,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.01155930943787098},{"word":"do","start":520.08,"end":520.24,"confidence":0.98997694,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.011791927739977837},{"word":"the","start":520.24,"end":520.39996,"confidence":0.9704552,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013332216069102287},{"word":"math","start":520.39996,"end":520.72,"confidence":0.9649414,"punctuated_word":"math","sentiment":"neutral","sentiment_score":-0.010314753279089928},{"word":"manually","start":520.72,"end":521.025,"confidence":0.9095765,"punctuated_word":"manually","sentiment":"neutral","sentiment_score":0.005551692098379135},{"word":"yeah","start":532.86505,"end":533.185,"confidence":0.7703481,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.006329476833343506},{"word":"you're","start":533.185,"end":533.43,"confidence":0.94447863,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.013683970086276531},{"word":"fine","start":537.02997,"end":537.52997,"confidence":0.9998709,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":-0.028175871819257736},{"word":"okay","start":541.11,"end":541.61,"confidence":0.9962026,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.008605251088738441},{"word":"let's","start":541.91,"end":542.23,"confidence":0.971545,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":-0.01399504765868187},{"word":"update","start":542.23,"end":542.71,"confidence":0.99747413,"punctuated_word":"update","sentiment":"neutral","sentiment_score":-0.0069539230316877365},{"word":"that","start":542.71,"end":543.02997,"confidence":0.9991003,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.009446254000067713},{"word":"for","start":543.02997,"end":543.52997,"confidence":0.99866426,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01785808615386486},{"word":"you","start":545.19,"end":545.43,"confidence":0.9986116,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.007273550610989332},{"word":"yeah","start":545.43,"end":545.745,"confidence":0.75657284,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.009977785870432854},{"word":"so","start":550.545,"end":550.785,"confidence":0.63117963,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0034758225083351135},{"word":"so","start":550.785,"end":550.94495,"confidence":0.4297169,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.00621500238776207},{"word":"it's","start":550.94495,"end":551.105,"confidence":0.75954413,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.013524460606276987},{"word":"got","start":551.105,"end":551.345,"confidence":0.92799574,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.031252745538949966},{"word":"you","start":551.345,"end":551.505,"confidence":0.4907575,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0012564323842525482},{"word":"on","start":551.505,"end":551.825,"confidence":0.7669602,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.009108424186706545},{"word":"15","start":551.825,"end":552.225,"confidence":0.43193865,"punctuated_word":"15","sentiment":"neutral","sentiment_score":0.004007443785667419},{"word":"100","start":552.225,"end":552.625,"confidence":0.99768174,"punctuated_word":"100","sentiment":"neutral","sentiment_score":-0.009445279836654665},{"word":"per","start":552.625,"end":552.865,"confidence":0.9989967,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.006384357810020447},{"word":"week","start":552.865,"end":553.365,"confidence":0.9760864,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.01693105697631836},{"word":"no","start":554.065,"end":554.225,"confidence":0.9711813,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.025977369397878647},{"word":"you're","start":554.225,"end":554.46497,"confidence":0.99775076,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.0009140651673078536},{"word":"right","start":554.46497,"end":554.625,"confidence":0.96828866,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.06257370114326477},{"word":"all","start":554.625,"end":554.865,"confidence":0.97841746,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.2136583775281906},{"word":"good","start":554.865,"end":555.365,"confidence":0.9649013,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.08134931325912476},{"word":"14","start":558.225,"end":558.725,"confidence":0.88765633,"punctuated_word":"14","sentiment":"neutral","sentiment_score":-0.008172115311026573},{"word":"100","start":568.99,"end":569.49,"confidence":0.79903615,"punctuated_word":"100.","sentiment":"neutral","sentiment_score":-0.02304815873503685},{"word":"that's","start":581.405,"end":581.72504,"confidence":0.8903749,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.041762642562389374},{"word":"okay","start":581.72504,"end":582.22504,"confidence":0.9983039,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08314216136932373},{"word":"that's","start":582.28503,"end":582.60504,"confidence":0.99963987,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07965897768735886},{"word":"alright","start":582.60504,"end":583.005,"confidence":0.9986329,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.06373675912618637},{"word":"so","start":583.005,"end":583.505,"confidence":0.99296725,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.009652776643633842},{"word":"net","start":584.17004,"end":584.57,"confidence":0.953921,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.008758088573813438},{"word":"month","start":584.57,"end":585.05005,"confidence":0.91654474,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.0011843331158161163},{"word":"net","start":585.29004,"end":585.53,"confidence":0.95156187,"punctuated_word":"net","sentiment":"neutral","sentiment_score":-0.0024186931550502777},{"word":"sorry","start":585.93005,"end":586.25,"confidence":0.86298907,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.003837118856608867},{"word":"monthly","start":586.25,"end":586.75,"confidence":0.90671897,"punctuated_word":"Monthly.","sentiment":"neutral","sentiment_score":0.013866018503904344},{"word":"yep","start":590.01,"end":590.41003,"confidence":0.8630441,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.010321348905563354},{"word":"double","start":590.41003,"end":590.91003,"confidence":0.9202136,"punctuated_word":"Double.","sentiment":"neutral","sentiment_score":0.0038531296886503696},{"word":"for","start":593.93005,"end":594.25,"confidence":0.16387644,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.000929899513721466},{"word":"monthly","start":594.25,"end":594.75,"confidence":0.96609724,"punctuated_word":"monthly.","sentiment":"neutral","sentiment_score":-0.0001652594655752182},{"word":"that","start":597.37006,"end":597.53,"confidence":0.9904917,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.03356905281543732},{"word":"actually","start":597.53,"end":597.85004,"confidence":0.99301225,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.02587985992431641},{"word":"works","start":597.85004,"end":598.09,"confidence":0.9838663,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.08469726145267487},{"word":"out","start":598.09,"end":598.25,"confidence":0.91078335,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09155131876468658},{"word":"better","start":598.25,"end":598.545,"confidence":0.9472883,"punctuated_word":"better.","sentiment":"neutral","sentiment_score":0.1901416927576065},{"word":"beautiful","start":599.02496,"end":599.52496,"confidence":0.9777118,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4308354258537293},{"word":"and","start":599.665,"end":599.90497,"confidence":0.99753654,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12468571215867996},{"word":"that's","start":599.90497,"end":600.225,"confidence":0.9997343,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.12077575922012328},{"word":"your","start":600.225,"end":600.725,"confidence":0.99701107,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06410662829875946},{"word":"that's","start":601.425,"end":601.745,"confidence":0.9946404,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0540958046913147},{"word":"your","start":601.745,"end":601.985,"confidence":0.99913543,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.004769038408994675},{"word":"current","start":601.985,"end":602.385,"confidence":0.9946871,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.005596466362476349},{"word":"net","start":602.385,"end":602.625,"confidence":0.98898983,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.006858903914690018},{"word":"in","start":602.625,"end":602.70496,"confidence":0.6281058,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.018519513309001923},{"word":"that","start":602.70496,"end":603.02496,"confidence":0.699138,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03318249434232712},{"word":"per","start":603.02496,"end":603.105,"confidence":0.8905591,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.0270317904651165},{"word":"month","start":603.105,"end":603.605,"confidence":0.93955797,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.030168533325195312},{"word":"no","start":605.825,"end":606.065,"confidence":0.99600863,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07862282544374466},{"word":"that's","start":606.065,"end":606.385,"confidence":0.99943244,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.03884865343570709},{"word":"okay","start":606.385,"end":606.885,"confidence":0.99940395,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.014358628541231155},{"word":"you're","start":606.945,"end":607.185,"confidence":0.9949175,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.025977686047554016},{"word":"right","start":607.185,"end":607.685,"confidence":0.97399557,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.0358835831284523},{"word":"no","start":608.70496,"end":608.865,"confidence":0.9291235,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.012771530076861382},{"word":"that's","start":608.865,"end":609.185,"confidence":0.9727715,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10835786163806917},{"word":"absolutely","start":609.185,"end":609.685,"confidence":0.99962556,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.11492937803268433},{"word":"fine","start":609.825,"end":610.14496,"confidence":0.9979771,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.08641400933265686},{"word":"and","start":610.14496,"end":610.305,"confidence":0.99813193,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03431485593318939},{"word":"what's","start":610.305,"end":610.545,"confidence":0.9994328,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.025277744978666306},{"word":"your","start":610.545,"end":610.865,"confidence":0.9992329,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.017092803493142128},{"word":"hourly","start":610.865,"end":611.26495,"confidence":0.9970419,"punctuated_word":"hourly","sentiment":"neutral","sentiment_score":0.020891450345516205},{"word":"rate","start":611.26495,"end":611.425,"confidence":0.9908585,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.022479074075818065},{"word":"there","start":611.425,"end":611.82,"confidence":0.9689573,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.009866719134151936},{"word":"lisa","start":611.9,"end":612.38,"confidence":0.9949199,"punctuated_word":"Lisa?","sentiment":"neutral","sentiment_score":0.022057145833969116},{"word":"yes","start":612.38,"end":612.7,"confidence":0.80763775,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.03883904218673706},{"word":"please","start":612.7,"end":613.10004,"confidence":0.9971764,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.03801070153713226},{"word":"yeah","start":613.10004,"end":613.60004,"confidence":0.90233433,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04220011457800865},{"word":"3611","start":621.34,"end":622.56,"confidence":0.8713242,"punctuated_word":"3611.","sentiment":"neutral","sentiment_score":0.031103642657399178},{"word":"beautiful","start":622.7,"end":623.2,"confidence":0.9989684,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.27780210971832275},{"word":"and","start":624.22003,"end":624.54,"confidence":0.85683805,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09516632556915285},{"word":"if","start":624.54,"end":624.7,"confidence":0.9644412,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08011229336261749},{"word":"you","start":624.7,"end":624.78,"confidence":0.9645675,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09066323935985564},{"word":"drop","start":624.78,"end":625.02,"confidence":0.9715835,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.08018538355827332},{"word":"your","start":625.02,"end":625.26,"confidence":0.9638381,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06875814497470856},{"word":"hours","start":625.26,"end":625.58,"confidence":0.9826408,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.033395081758499146},{"word":"to","start":625.58,"end":625.66003,"confidence":0.9415097,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04008469730615616},{"word":"fifty","start":625.66003,"end":626.16003,"confidence":0.9816027,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.04004202038049698},{"word":"so","start":626.535,"end":626.77496,"confidence":0.99464226,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.042547982186079025},{"word":"i'm","start":626.77496,"end":627.01495,"confidence":0.9969139,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05158664286136627},{"word":"assuming","start":627.01495,"end":627.415,"confidence":0.9998609,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.04019219055771828},{"word":"you","start":627.415,"end":627.575,"confidence":0.9988431,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02737537771463394},{"word":"work","start":627.575,"end":628.055,"confidence":0.9993057,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.017297623679041862},{"word":"thirty","start":628.055,"end":628.295,"confidence":0.9970752,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.03804842755198479},{"word":"eight","start":628.295,"end":628.535,"confidence":0.99629396,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.02884211204946041},{"word":"hours","start":628.535,"end":628.855,"confidence":0.999736,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.022903574630618095},{"word":"a","start":628.855,"end":628.935,"confidence":0.8295337,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024385541677474976},{"word":"week","start":628.935,"end":629.095,"confidence":0.9981323,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.015545720234513285},{"word":"at","start":629.095,"end":629.33496,"confidence":0.9995283,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.026513218879699707},{"word":"the","start":629.33496,"end":629.415,"confidence":0.9994585,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03586651384830475},{"word":"moment","start":629.415,"end":629.89496,"confidence":0.99982005,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.05695334821939469},{"word":"or","start":629.89496,"end":630.135,"confidence":0.95952916,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03185247257351875},{"word":"forty","start":630.135,"end":630.535,"confidence":0.9998142,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":0.033752523362636566},{"word":"with","start":630.535,"end":630.855,"confidence":0.99783665,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03406798467040062},{"word":"breaks","start":630.855,"end":631.355,"confidence":0.62998676,"punctuated_word":"breaks?","sentiment":"neutral","sentiment_score":0.025874778628349304},{"word":"thirty","start":634.855,"end":635.175,"confidence":0.9885488,"punctuated_word":"Thirty","sentiment":"neutral","sentiment_score":0.02106456272304058},{"word":"eight","start":635.175,"end":635.65497,"confidence":0.8066601,"punctuated_word":"eight.","sentiment":"neutral","sentiment_score":0.019993335008621216},{"word":"so","start":635.65497,"end":635.975,"confidence":0.9960432,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0704740509390831},{"word":"half","start":635.975,"end":636.21497,"confidence":0.90967864,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.08318197727203369},{"word":"that","start":636.21497,"end":636.535,"confidence":0.96128035,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.10784302651882172},{"word":"beautiful","start":636.535,"end":637.035,"confidence":0.9491093,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.43523862957954407},{"word":"just","start":637.095,"end":637.33496,"confidence":0.9982229,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.2564623951911926},{"word":"to","start":637.33496,"end":637.495,"confidence":0.9995116,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1674121618270874},{"word":"confirm","start":637.495,"end":637.995,"confidence":0.95436794,"punctuated_word":"confirm.","sentiment":"neutral","sentiment_score":0.20009495317935944},{"word":"i","start":638.375,"end":638.45496,"confidence":0.8811261,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09927507489919662},{"word":"would","start":638.45496,"end":638.615,"confidence":0.5337095,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0638774111866951},{"word":"like","start":638.615,"end":638.695,"confidence":0.96549726,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06605156511068344},{"word":"to","start":638.695,"end":638.935,"confidence":0.99299675,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06910789757966995},{"word":"double","start":638.935,"end":639.255,"confidence":0.9984413,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.09112612903118134},{"word":"check","start":639.255,"end":639.495,"confidence":0.9991019,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.09681321680545808},{"word":"and","start":639.495,"end":639.65497,"confidence":0.99599177,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08263373374938965},{"word":"ask","start":639.65497,"end":639.815,"confidence":0.9926292,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.0946587696671486},{"word":"those","start":639.815,"end":640.135,"confidence":0.99542207,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09504541754722597},{"word":"questions","start":640.135,"end":640.635,"confidence":0.9976962,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.08112043887376785},{"word":"just","start":640.695,"end":640.855,"confidence":0.96411973,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0793997049331665},{"word":"to","start":640.855,"end":641.01495,"confidence":0.9984856,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.059560637921094894},{"word":"make","start":641.01495,"end":641.33496,"confidence":0.9984627,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06484726071357727},{"word":"sure","start":641.33496,"end":641.83496,"confidence":0.98934305,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.06463363021612167},{"word":"yep","start":643.45,"end":643.95,"confidence":0.9793836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.017527056857943535},{"word":"yep","start":645.93005,"end":646.43005,"confidence":0.92031807,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0561736673116684},{"word":"that's","start":647.45,"end":647.77,"confidence":0.99527985,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2036539912223816},{"word":"okay","start":647.77,"end":648.27,"confidence":0.9987637,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.27855175733566284},{"word":"beautiful","start":648.49005,"end":648.99005,"confidence":0.999788,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4616098999977112},{"word":"so","start":649.29004,"end":649.45,"confidence":0.99902856,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2160555124282837},{"word":"i'll","start":649.45,"end":649.69,"confidence":0.99906176,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.23605704307556152},{"word":"work","start":649.69,"end":649.85004,"confidence":0.99982774,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.20595477521419525},{"word":"on","start":649.85004,"end":650.01,"confidence":0.9997255,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.25135576725006104},{"word":"that","start":650.01,"end":650.25,"confidence":0.999941,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1965690553188324},{"word":"for","start":650.25,"end":650.41003,"confidence":0.9998087,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16978910565376282},{"word":"you","start":650.41003,"end":650.65,"confidence":0.9233665,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.1622253954410553},{"word":"work","start":650.65,"end":650.81,"confidence":0.99937963,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.13983824849128723},{"word":"on","start":650.81,"end":650.97003,"confidence":0.9998958,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2209250330924988},{"word":"the","start":650.97003,"end":651.13,"confidence":0.99921215,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19902081787586212},{"word":"expenditure","start":651.13,"end":651.61005,"confidence":0.99466175,"punctuated_word":"expenditure","sentiment":"neutral","sentiment_score":0.21860340237617493},{"word":"side","start":651.61005,"end":651.77,"confidence":0.99951756,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.14671514928340912},{"word":"of","start":651.77,"end":651.93005,"confidence":0.99942696,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17772988975048065},{"word":"things","start":651.93005,"end":652.17004,"confidence":0.9989593,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.16569678485393524},{"word":"so","start":652.17004,"end":652.41003,"confidence":0.97291994,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.08811905980110168},{"word":"scott","start":652.41003,"end":652.65,"confidence":0.99926186,"punctuated_word":"Scott,","sentiment":"neutral","sentiment_score":0.06921271979808807},{"word":"you","start":652.65,"end":652.81,"confidence":0.9998412,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06401383131742477},{"word":"may","start":652.81,"end":652.97003,"confidence":0.94543827,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.06608274579048157},{"word":"mention","start":652.97003,"end":653.37006,"confidence":0.7608966,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.05612298473715782},{"word":"with","start":653.37006,"end":653.53,"confidence":0.9843695,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06294906139373779},{"word":"your","start":653.53,"end":653.77,"confidence":0.9994486,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04118897020816803},{"word":"changes","start":653.77,"end":654.17004,"confidence":0.96914864,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.04606127738952637},{"word":"you're","start":654.17004,"end":654.33,"confidence":0.9991555,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.023723509162664413},{"word":"only","start":654.33,"end":654.57,"confidence":0.9695774,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.032155800610780716},{"word":"working","start":654.57,"end":654.89,"confidence":0.99974483,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.015859410166740417},{"word":"50%","start":654.89,"end":655.69,"confidence":0.99268556,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.044134046882390976},{"word":"now","start":655.69,"end":656.19,"confidence":0.95415556,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.035166408866643906},{"word":"and","start":656.525,"end":656.685,"confidence":0.92859155,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03621596097946167},{"word":"so","start":656.685,"end":657.085,"confidence":0.9069288,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.030251841992139816},{"word":"just","start":657.085,"end":657.325,"confidence":0.98411834,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04537395015358925},{"word":"to","start":657.325,"end":657.565,"confidence":0.98773986,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04009281471371651},{"word":"reconfirm","start":657.565,"end":658.065,"confidence":0.979896,"punctuated_word":"reconfirm","sentiment":"neutral","sentiment_score":0.07149253785610199},{"word":"the","start":658.205,"end":658.445,"confidence":0.9772709,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04906661808490753},{"word":"income","start":658.445,"end":658.84503,"confidence":0.62253857,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.0439528152346611},{"word":"i","start":658.84503,"end":659.005,"confidence":0.6682235,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.028535421937704086},{"word":"said","start":659.005,"end":659.245,"confidence":0.7300335,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.04529504105448723},{"word":"you","start":659.245,"end":659.405,"confidence":0.44279444,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02640068531036377},{"word":"said","start":659.405,"end":659.645,"confidence":0.99774504,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.040167149156332016},{"word":"it","start":659.645,"end":659.805,"confidence":0.9906658,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03420286625623703},{"word":"was","start":659.805,"end":660.205,"confidence":0.99887866,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03685590624809265},{"word":"changed","start":660.205,"end":660.60504,"confidence":0.8151326,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.06495141983032227},{"word":"1,400","start":660.60504,"end":661.66504,"confidence":0.99550086,"punctuated_word":"1,400","sentiment":"neutral","sentiment_score":0.03426804766058922},{"word":"per","start":661.805,"end":662.28503,"confidence":0.99965596,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.022539593279361725},{"word":"week","start":662.28503,"end":662.525,"confidence":0.99959654,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.01732112094759941},{"word":"or","start":662.525,"end":662.765,"confidence":0.9901569,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04460011050105095},{"word":"fortnight","start":662.765,"end":663.16504,"confidence":0.99571127,"punctuated_word":"fortnight.","sentiment":"neutral","sentiment_score":0.03290839493274689},{"word":"is","start":663.16504,"end":663.325,"confidence":0.9994986,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.06212690472602844},{"word":"that","start":663.325,"end":663.48505,"confidence":0.99971503,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06069264188408851},{"word":"right","start":663.48505,"end":663.98505,"confidence":0.9994781,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.048674698919057846},{"word":"yeah","start":669.965,"end":670.2,"confidence":0.8939345,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06966512650251389},{"word":"are","start":686.29504,"end":686.455,"confidence":0.7891465,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.022833261638879776},{"word":"you","start":686.455,"end":686.61505,"confidence":0.9995964,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014176800847053528},{"word":"due","start":686.61505,"end":686.775,"confidence":0.99849224,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.01116066612303257},{"word":"to","start":686.775,"end":686.935,"confidence":0.99945515,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004655873402953148},{"word":"get","start":686.935,"end":687.09503,"confidence":0.9998473,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.013621147722005844},{"word":"a","start":687.09503,"end":687.17505,"confidence":0.99864966,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.011304623447358608},{"word":"payslip","start":687.17505,"end":687.655,"confidence":0.9443039,"punctuated_word":"payslip","sentiment":"neutral","sentiment_score":-0.004386880435049534},{"word":"fairly","start":687.655,"end":688.05505,"confidence":0.9988732,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":-0.007645852863788605},{"word":"soon","start":688.05505,"end":688.375,"confidence":0.9252005,"punctuated_word":"soon?","sentiment":"neutral","sentiment_score":-0.01735984906554222},{"word":"or","start":688.375,"end":688.875,"confidence":0.8553787,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.01008974388241768},{"word":"out","start":702.47,"end":702.70996,"confidence":0.48811978,"punctuated_word":"Out","sentiment":"neutral","sentiment_score":-0.021170439198613167},{"word":"of","start":702.70996,"end":702.87,"confidence":0.99900097,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.024614186957478523},{"word":"pay","start":702.87,"end":703.26996,"confidence":0.9628985,"punctuated_word":"pay.","sentiment":"neutral","sentiment_score":-0.014085082337260246},{"word":"yep","start":703.26996,"end":703.67,"confidence":0.8389457,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07089617103338242},{"word":"that's","start":703.67,"end":703.91,"confidence":0.9919157,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1197277158498764},{"word":"okay","start":703.91,"end":704.31,"confidence":0.9996178,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.135536789894104},{"word":"worst","start":704.31,"end":704.55,"confidence":0.9836236,"punctuated_word":"Worst","sentiment":"neutral","sentiment_score":-0.02730768732726574},{"word":"case","start":704.55,"end":704.87,"confidence":0.9668368,"punctuated_word":"case,","sentiment":"neutral","sentiment_score":-0.026768174022436145},{"word":"i","start":704.87,"end":704.94995,"confidence":0.9993067,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05174986645579338},{"word":"could","start":704.94995,"end":705.11,"confidence":0.9984389,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.035634443163871765},{"word":"even","start":705.11,"end":705.35,"confidence":0.99966574,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.025161966681480408},{"word":"just","start":705.35,"end":705.58997,"confidence":0.99584705,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.037492960691452026},{"word":"get","start":705.58997,"end":705.75,"confidence":0.9991671,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.015119057148694992},{"word":"used","start":705.75,"end":705.91,"confidence":0.70980406,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.007699929177761078},{"word":"to","start":705.91,"end":706.07,"confidence":0.99807954,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04464138671755791},{"word":"email","start":706.07,"end":706.38995,"confidence":0.99916697,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.04036697745323181},{"word":"me","start":706.38995,"end":706.87,"confidence":0.9971004,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.010509543120861052},{"word":"each","start":706.87,"end":707.11,"confidence":0.5258801,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.02195904031395912},{"word":"of","start":707.11,"end":707.19,"confidence":0.99931574,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0013736262917518616},{"word":"you","start":707.19,"end":707.35,"confidence":0.99878126,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0028370171785354614},{"word":"just","start":707.35,"end":707.47,"confidence":0.9746097,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.016216561198234558},{"word":"a","start":707.47,"end":707.58997,"confidence":0.9833123,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004163810983300209},{"word":"copy","start":707.58997,"end":707.91,"confidence":0.99988866,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.11511126160621644},{"word":"of","start":707.91,"end":707.99,"confidence":0.99753064,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12892457842826843},{"word":"your","start":707.99,"end":708.14996,"confidence":0.769738,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.175609290599823},{"word":"updated","start":708.14996,"end":708.55,"confidence":0.98828214,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.1603875309228897},{"word":"pay","start":708.55,"end":708.795,"confidence":0.8988672,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.0790998563170433},{"word":"slip","start":709.035,"end":709.355,"confidence":0.87183154,"punctuated_word":"slip,","sentiment":"neutral","sentiment_score":0.11773024499416351},{"word":"and","start":709.355,"end":709.595,"confidence":0.9570337,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11335279792547226},{"word":"i","start":709.595,"end":709.675,"confidence":0.9987196,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1183738112449646},{"word":"can","start":709.675,"end":709.83496,"confidence":0.99976367,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11299709975719452},{"word":"just","start":709.83496,"end":710.075,"confidence":0.99956733,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12258195132017136},{"word":"go","start":710.075,"end":710.235,"confidence":0.99942565,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12197253108024596},{"word":"back","start":710.235,"end":710.39496,"confidence":0.9995065,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1437612920999527},{"word":"and","start":710.39496,"end":710.555,"confidence":0.997544,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10497875511646272},{"word":"work","start":710.555,"end":710.71497,"confidence":0.99729425,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.08842836320400238},{"word":"out","start":710.71497,"end":710.875,"confidence":0.68043405,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14261190593242645},{"word":"the","start":710.875,"end":711.035,"confidence":0.99567115,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10731685161590576},{"word":"math","start":711.035,"end":711.27496,"confidence":0.9691733,"punctuated_word":"math.","sentiment":"neutral","sentiment_score":0.0763598382472992},{"word":"that's","start":711.27496,"end":711.51495,"confidence":0.99619865,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1799141764640808},{"word":"not","start":711.51495,"end":711.755,"confidence":0.9998797,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.10932739078998566},{"word":"a","start":711.755,"end":711.83496,"confidence":0.99903727,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1174718588590622},{"word":"problem","start":711.83496,"end":712.15497,"confidence":0.99996126,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.16319657862186432},{"word":"at","start":712.15497,"end":712.39496,"confidence":0.99980456,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09871797263622284},{"word":"all","start":712.39496,"end":712.89496,"confidence":0.99985087,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.12655110657215118},{"word":"beautiful","start":715.355,"end":715.855,"confidence":0.9852371,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7011007070541382},{"word":"don't","start":719.035,"end":719.27496,"confidence":0.99452287,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":0.05800620838999748},{"word":"worry","start":719.27496,"end":719.675,"confidence":0.99882287,"punctuated_word":"worry.","sentiment":"neutral","sentiment_score":0.019035127013921738},{"word":"i've","start":719.675,"end":719.915,"confidence":0.99946797,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.2061834931373596},{"word":"had","start":719.915,"end":720.39496,"confidence":0.999798,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.20522800087928772},{"word":"shockers","start":720.39496,"end":720.795,"confidence":0.97473586,"punctuated_word":"shockers","sentiment":"neutral","sentiment_score":-0.19497469067573547},{"word":"with","start":720.795,"end":721.035,"confidence":0.9995203,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.34457939863204956},{"word":"computers","start":721.035,"end":721.51495,"confidence":0.999086,"punctuated_word":"computers","sentiment":"neutral","sentiment_score":-0.19728833436965945},{"word":"today","start":721.51495,"end":721.83496,"confidence":0.99956876,"punctuated_word":"today","sentiment":"neutral","sentiment_score":-0.18550363183021543},{"word":"waiting","start":721.83496,"end":722.15497,"confidence":0.53538114,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.2078220248222351},{"word":"for","start":722.15497,"end":722.315,"confidence":0.9976044,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.223322331905365},{"word":"emails","start":722.315,"end":722.795,"confidence":0.9987758,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":-0.14408287405967712},{"word":"to","start":722.795,"end":722.875,"confidence":0.99872774,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.28145477175712585},{"word":"go","start":722.875,"end":723.115,"confidence":0.99976,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.21007350087165833},{"word":"through","start":723.115,"end":723.355,"confidence":0.99981314,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.12973792850971222},{"word":"and","start":723.355,"end":723.51495,"confidence":0.91677344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22222453355789185},{"word":"all","start":723.51495,"end":723.755,"confidence":0.99940145,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.15431293845176697},{"word":"sorts","start":723.755,"end":723.915,"confidence":0.9996069,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":-0.16867157816886902},{"word":"of","start":723.915,"end":724.23,"confidence":0.9993988,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2034665197134018},{"word":"dramas","start":724.38995,"end":724.88995,"confidence":0.98983616,"punctuated_word":"dramas","sentiment":"neutral","sentiment_score":-0.22942930459976196},{"word":"and","start":725.19,"end":725.35,"confidence":0.4642198,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3418850600719452},{"word":"technology","start":725.35,"end":725.67,"confidence":0.94132715,"punctuated_word":"technology","sentiment":"neutral","sentiment_score":-0.3086688816547394},{"word":"is","start":725.67,"end":725.99,"confidence":0.6606874,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.4576288163661957},{"word":"horrible","start":725.99,"end":726.47,"confidence":0.98932886,"punctuated_word":"horrible.","sentiment":"negative","sentiment_score":-0.3679022789001465},{"word":"i'm","start":726.47,"end":726.63,"confidence":0.9976088,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06015580892562866},{"word":"good","start":726.63,"end":726.87,"confidence":0.9998129,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.06136090308427811},{"word":"with","start":726.87,"end":727.02997,"confidence":0.99908805,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08773022890090942},{"word":"old","start":727.02997,"end":727.43,"confidence":0.8579751,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.10612287372350691},{"word":"old","start":727.43,"end":727.58997,"confidence":0.9152445,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.07176436483860016},{"word":"fashioned","start":727.58997,"end":727.99,"confidence":0.9848764,"punctuated_word":"fashioned","sentiment":"neutral","sentiment_score":-0.004214353859424591},{"word":"pen","start":727.99,"end":728.14996,"confidence":0.9961314,"punctuated_word":"pen","sentiment":"neutral","sentiment_score":-0.025345884263515472},{"word":"and","start":728.14996,"end":728.23,"confidence":0.9993055,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05170793831348419},{"word":"paper","start":728.23,"end":728.55,"confidence":0.989617,"punctuated_word":"paper","sentiment":"neutral","sentiment_score":-0.042390696704387665},{"word":"sometimes","start":728.55,"end":729.05,"confidence":0.99225795,"punctuated_word":"sometimes.","sentiment":"neutral","sentiment_score":-0.02529226988554001},{"word":"yep","start":758.3,"end":758.78,"confidence":0.88640964,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.025592103600502018},{"word":"that's","start":758.78,"end":759.02,"confidence":0.99785167,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10109444707632063},{"word":"okay","start":759.02,"end":759.5,"confidence":0.9992838,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.14287184178829193},{"word":"easy","start":759.5,"end":760.0,"confidence":0.9990237,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.3013364374637604},{"word":"what","start":760.14,"end":760.64,"confidence":0.47742993,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.013313479721546171},{"word":"worst","start":761.10004,"end":761.42,"confidence":0.9793249,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.09221449494361876},{"word":"case","start":761.42,"end":761.74,"confidence":0.96202385,"punctuated_word":"case,","sentiment":"neutral","sentiment_score":-0.05129609629511833},{"word":"we","start":761.74,"end":761.9,"confidence":0.9997503,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0314149409532547},{"word":"can","start":761.9,"end":762.06,"confidence":0.9998704,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.0002150610089302063},{"word":"always","start":762.06,"end":762.38,"confidence":0.9998609,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.033101558685302734},{"word":"just","start":762.38,"end":762.54,"confidence":0.997013,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.003679953515529633},{"word":"get","start":762.54,"end":762.78,"confidence":0.9988819,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.02499471604824066},{"word":"you","start":762.78,"end":762.94,"confidence":0.49280357,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03652837127447128},{"word":"to","start":762.94,"end":763.10004,"confidence":0.9271075,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04274744540452957},{"word":"email","start":763.10004,"end":763.42,"confidence":0.99498653,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.04240924119949341},{"word":"a","start":763.42,"end":763.5,"confidence":0.7932407,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015400033444166183},{"word":"copy","start":763.5,"end":763.82,"confidence":0.98949546,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":-0.02164394408464432},{"word":"through","start":763.82,"end":764.06,"confidence":0.96715283,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.009536661207675934},{"word":"i'll","start":764.06,"end":764.22003,"confidence":0.9995779,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.060226209461688995},{"word":"probably","start":764.22003,"end":764.54,"confidence":0.99970335,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.05339933931827545},{"word":"get","start":764.54,"end":764.62,"confidence":0.99349254,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06772209703922272},{"word":"you","start":764.62,"end":764.985,"confidence":0.969356,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.054100558161735535},{"word":"do","start":764.985,"end":765.14496,"confidence":0.9958334,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03245624899864197},{"word":"that","start":765.14496,"end":765.225,"confidence":0.99956375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06241045147180557},{"word":"anyway","start":765.225,"end":765.46497,"confidence":0.9822465,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":0.040260493755340576},{"word":"just","start":765.46497,"end":765.785,"confidence":0.86634105,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02132175862789154},{"word":"so","start":765.785,"end":765.945,"confidence":0.9985115,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0245903804898262},{"word":"i","start":765.945,"end":766.02496,"confidence":0.9997105,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04971446469426155},{"word":"have","start":766.02496,"end":766.265,"confidence":0.99967206,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04888519644737244},{"word":"a","start":766.265,"end":766.345,"confidence":0.99871516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024355806410312653},{"word":"reference","start":766.345,"end":766.825,"confidence":0.9999417,"punctuated_word":"reference","sentiment":"neutral","sentiment_score":0.044318705797195435},{"word":"point","start":766.825,"end":767.065,"confidence":0.99904054,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.06726184487342834},{"word":"just","start":767.065,"end":767.305,"confidence":0.5586828,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.054765794426202774},{"word":"when","start":767.305,"end":767.46497,"confidence":0.97577727,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.034367144107818604},{"word":"i'm","start":767.46497,"end":767.625,"confidence":0.9986939,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02394239231944084},{"word":"kinda","start":767.625,"end":767.865,"confidence":0.7577012,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.009885817766189575},{"word":"going","start":767.865,"end":768.105,"confidence":0.98702335,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.03634853661060333},{"word":"through","start":768.105,"end":768.265,"confidence":0.6781876,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05267826467752457},{"word":"and","start":768.265,"end":768.425,"confidence":0.8521417,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0023528113961219788},{"word":"doing","start":768.425,"end":768.58496,"confidence":0.9989274,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.002302989363670349},{"word":"the","start":768.58496,"end":768.825,"confidence":0.9977367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007543474435806274},{"word":"math","start":768.825,"end":769.065,"confidence":0.8061341,"punctuated_word":"math.","sentiment":"neutral","sentiment_score":0.04408126324415207},{"word":"i","start":769.065,"end":769.305,"confidence":0.9997267,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10673472285270692},{"word":"can","start":769.305,"end":769.625,"confidence":0.9999049,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11430957913398744},{"word":"include","start":769.625,"end":770.02496,"confidence":0.99973184,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.12158365547657012},{"word":"that","start":770.02496,"end":770.345,"confidence":0.99971336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11926063895225524},{"word":"and","start":770.345,"end":770.58496,"confidence":0.92352414,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10212260484695436},{"word":"just","start":770.58496,"end":770.745,"confidence":0.994269,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12978996336460114},{"word":"double","start":770.745,"end":771.065,"confidence":0.9996263,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.0853353962302208},{"word":"check","start":771.065,"end":771.225,"confidence":0.99676704,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.07750400900840759},{"word":"the","start":771.225,"end":771.385,"confidence":0.99893504,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08251884579658508},{"word":"numbers","start":771.385,"end":771.70496,"confidence":0.9998846,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.05947164446115494},{"word":"and","start":771.70496,"end":771.865,"confidence":0.9995708,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07664962112903595},{"word":"everything","start":771.865,"end":772.365,"confidence":0.99953663,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.06292092800140381},{"word":"i","start":772.90497,"end":773.065,"confidence":0.5653545,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00013484060764312744},{"word":"don't","start":773.065,"end":773.305,"confidence":0.9998703,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0011280378093943},{"word":"wanna","start":773.305,"end":773.625,"confidence":0.9863418,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.05355800688266754},{"word":"give","start":773.625,"end":773.70496,"confidence":0.9997683,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.168178528547287},{"word":"you","start":773.70496,"end":774.02496,"confidence":0.99962544,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1471138596534729},{"word":"incorrect","start":774.02496,"end":774.505,"confidence":0.9994537,"punctuated_word":"incorrect","sentiment":"neutral","sentiment_score":-0.1806551218032837},{"word":"or","start":774.505,"end":774.825,"confidence":0.99500495,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2949690818786621},{"word":"false","start":774.825,"end":775.225,"confidence":0.99926955,"punctuated_word":"false","sentiment":"neutral","sentiment_score":-0.16329875588417053},{"word":"information","start":775.225,"end":775.70496,"confidence":0.95419073,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":-0.08096755295991898},{"word":"so","start":775.70496,"end":775.865,"confidence":0.9995302,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.017738059163093567},{"word":"we'll","start":775.865,"end":776.02496,"confidence":0.9992407,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.03779274970293045},{"word":"make","start":776.02496,"end":776.265,"confidence":0.9998462,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.009444855153560638},{"word":"sure","start":776.265,"end":776.425,"confidence":0.99920696,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.021466374397277832},{"word":"that","start":776.425,"end":776.58496,"confidence":0.99632853,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02371140569448471},{"word":"we","start":776.58496,"end":776.745,"confidence":0.9998995,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.023775964975357056},{"word":"do","start":776.745,"end":776.90497,"confidence":0.9995486,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.015070758759975432},{"word":"all","start":776.90497,"end":777.065,"confidence":0.99968886,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05996311455965042},{"word":"the","start":777.065,"end":777.14496,"confidence":0.9989097,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00015766918659210205},{"word":"math","start":777.14496,"end":777.46497,"confidence":0.98309916,"punctuated_word":"math","sentiment":"neutral","sentiment_score":0.017610721290111542},{"word":"correctly","start":777.46497,"end":777.865,"confidence":0.9993418,"punctuated_word":"correctly","sentiment":"neutral","sentiment_score":0.04392975568771362},{"word":"there","start":777.865,"end":778.185,"confidence":0.99715984,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05707912892103195},{"word":"for","start":778.185,"end":778.345,"confidence":0.99988484,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.030337229371070865},{"word":"you","start":778.345,"end":778.845,"confidence":0.9992753,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.04709825292229653},{"word":"the","start":779.88,"end":780.36,"confidence":0.98086137,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.06479500234127045},{"word":"you","start":780.6,"end":780.83997,"confidence":0.59657705,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05368199944496155},{"word":"guys","start":780.83997,"end":781.07996,"confidence":0.9923609,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.10156000405550004},{"word":"also","start":781.07996,"end":781.48,"confidence":0.9978588,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07247022539377213},{"word":"sold","start":781.48,"end":781.72,"confidence":0.99766576,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":0.08437024801969528},{"word":"the","start":781.72,"end":781.88,"confidence":0.99898034,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08683981001377106},{"word":"investment","start":781.88,"end":782.38,"confidence":0.99221087,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06409820169210434},{"word":"property","start":782.44,"end":782.92,"confidence":0.9997162,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.08146214485168457},{"word":"last","start":782.92,"end":783.32,"confidence":0.99979883,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.059100423008203506},{"word":"year","start":783.32,"end":783.82,"confidence":0.9754929,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.07310033589601517},{"word":"all","start":785.32,"end":785.56,"confidence":0.951317,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.10180087387561798},{"word":"the","start":785.56,"end":785.8,"confidence":0.99911803,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09374634921550752},{"word":"proceeds","start":785.8,"end":786.27997,"confidence":0.9980388,"punctuated_word":"proceeds","sentiment":"neutral","sentiment_score":0.13728854060173035},{"word":"of","start":786.27997,"end":786.44,"confidence":0.9995641,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09773098677396774},{"word":"that","start":786.44,"end":786.68,"confidence":0.9629282,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.07712056487798691},{"word":"did","start":786.68,"end":786.83997,"confidence":0.9930791,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.05094382166862488},{"word":"that","start":786.83997,"end":787.07996,"confidence":0.9995751,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09255379438400269},{"word":"pay","start":787.07996,"end":787.32,"confidence":0.9893552,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.09710360318422318},{"word":"off","start":787.32,"end":787.48,"confidence":0.99936396,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.06251842528581619},{"word":"the","start":787.48,"end":787.63995,"confidence":0.9953921,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05722634121775627},{"word":"main","start":787.63995,"end":787.88,"confidence":0.9994661,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.08283506333827972},{"word":"primary","start":787.88,"end":788.36,"confidence":0.99756765,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.07504212856292725},{"word":"residence","start":788.36,"end":788.86,"confidence":0.9720032,"punctuated_word":"residence?","sentiment":"neutral","sentiment_score":0.06185801327228546},{"word":"how","start":788.92,"end":789.07996,"confidence":0.9992612,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.06372769176959991},{"word":"did","start":789.07996,"end":789.32,"confidence":0.98379356,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.05567152425646782},{"word":"the","start":789.32,"end":789.48,"confidence":0.9191755,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.052697040140628815},{"word":"how","start":789.56,"end":789.72,"confidence":0.9997304,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.07453829050064087},{"word":"did","start":789.72,"end":789.88,"confidence":0.9995515,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.06443478167057037},{"word":"that","start":789.88,"end":790.12,"confidence":0.9991478,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14919601380825043},{"word":"all","start":790.12,"end":790.27997,"confidence":0.9975551,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.12492735683918},{"word":"go","start":790.27997,"end":790.77997,"confidence":0.99921453,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":0.03431335836648941},{"word":"yep","start":819.32996,"end":819.82996,"confidence":0.95971537,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.005364818032830954},{"word":"okay","start":819.97,"end":820.47,"confidence":0.9955784,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.004705343395471573},{"word":"yes","start":827.28503,"end":827.78503,"confidence":0.918657,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08368886262178421},{"word":"mhmm","start":831.84503,"end":832.34503,"confidence":0.98308444,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.01035091932862997},{"word":"mhmm","start":832.405,"end":832.905,"confidence":0.9935642,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.00998159684240818},{"word":"mhmm","start":832.98,"end":833.48,"confidence":0.93103224,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.010968140326440334},{"word":"yep","start":838.9875,"end":839.4875,"confidence":0.9098735,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05807222053408623},{"word":"yep","start":855.315,"end":855.815,"confidence":0.9220848,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2177743911743164},{"word":"yes","start":861.22003,"end":861.72003,"confidence":0.9412772,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06090147048234939},{"word":"yep","start":866.82,"end":867.32,"confidence":0.98347414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11241962015628816},{"word":"that's","start":867.7,"end":868.1,"confidence":0.8944869,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14323806762695312},{"word":"okay","start":868.1,"end":868.6,"confidence":0.999619,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1922408938407898},{"word":"now","start":870.02,"end":870.34,"confidence":0.7403774,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.01850048452615738},{"word":"with","start":870.34,"end":870.58,"confidence":0.99812907,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.008210904896259308},{"word":"the","start":870.58,"end":870.82,"confidence":0.9994686,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03050372749567032},{"word":"motor","start":870.82,"end":871.14,"confidence":0.99386734,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.056436628103256226},{"word":"home","start":871.14,"end":871.46,"confidence":0.83582115,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":-0.016557883471250534},{"word":"are","start":871.46,"end":871.62,"confidence":0.9995109,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.062211714684963226},{"word":"you","start":871.62,"end":871.86,"confidence":0.9997992,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04033268988132477},{"word":"going","start":871.86,"end":872.1,"confidence":0.9991326,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.07264705002307892},{"word":"to","start":872.1,"end":872.26,"confidence":0.9992824,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06447574496269226},{"word":"need","start":872.26,"end":872.5,"confidence":0.9998683,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.08047404885292053},{"word":"to","start":872.5,"end":872.66003,"confidence":0.99836415,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.061891816556453705},{"word":"take","start":872.66003,"end":872.9,"confidence":0.9998895,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.09304790943861008},{"word":"out","start":872.9,"end":873.06,"confidence":0.99800247,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0980629250407219},{"word":"a","start":873.06,"end":873.14,"confidence":0.99815035,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1050850749015808},{"word":"loan","start":873.14,"end":873.38,"confidence":0.9998833,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.07246427237987518},{"word":"or","start":873.38,"end":873.54,"confidence":0.9913401,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08264297246932983},{"word":"planning","start":873.54,"end":873.94,"confidence":0.9777711,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":-0.058673195540905},{"word":"to","start":873.94,"end":874.1,"confidence":0.9970095,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03781144320964813},{"word":"take","start":874.1,"end":874.26,"confidence":0.9995621,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.0511186346411705},{"word":"out","start":874.26,"end":874.42,"confidence":0.9938437,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.05508708953857422},{"word":"a","start":874.42,"end":874.5,"confidence":0.9830807,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05880000442266464},{"word":"loan","start":874.5,"end":874.66003,"confidence":0.99855965,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.030239231884479523},{"word":"for","start":874.66003,"end":874.935,"confidence":0.8814097,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04083619266748428},{"word":"that","start":874.935,"end":875.175,"confidence":0.8766087,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.0421447716653347},{"word":"or","start":875.175,"end":875.335,"confidence":0.99937433,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.10390378534793854},{"word":"are","start":875.335,"end":875.415,"confidence":0.95173055,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.07875606417655945},{"word":"you","start":875.415,"end":875.735,"confidence":0.99880314,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04565581679344177},{"word":"preferring","start":875.735,"end":876.235,"confidence":0.99391043,"punctuated_word":"preferring","sentiment":"neutral","sentiment_score":-0.02336456999182701},{"word":"to","start":876.295,"end":876.455,"confidence":0.9998456,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02404390275478363},{"word":"maybe","start":876.455,"end":876.775,"confidence":0.98797065,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.033494435250759125},{"word":"buy","start":876.775,"end":877.015,"confidence":0.9985404,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.025837168097496033},{"word":"out","start":877.015,"end":877.255,"confidence":0.9974739,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.011262357234954834},{"word":"of","start":877.255,"end":877.575,"confidence":0.99808383,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.047779157757759094},{"word":"cash","start":877.575,"end":878.075,"confidence":0.99980444,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.022115111351013184},{"word":"with","start":878.215,"end":878.375,"confidence":0.999559,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.023814357817173004},{"word":"the","start":878.375,"end":878.535,"confidence":0.99978846,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04475270956754685},{"word":"money","start":878.535,"end":878.775,"confidence":0.9999584,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.03282323479652405},{"word":"that","start":878.775,"end":878.935,"confidence":0.99969125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04953797906637192},{"word":"you","start":878.935,"end":879.095,"confidence":0.9999143,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011793017387390137},{"word":"have","start":879.095,"end":879.335,"confidence":0.96264744,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.023415036499500275},{"word":"left","start":879.335,"end":879.65497,"confidence":0.7481407,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.020327217876911163},{"word":"over","start":879.65497,"end":880.15497,"confidence":0.9983208,"punctuated_word":"over?","sentiment":"neutral","sentiment_score":0.003805633634328842},{"word":"yeah","start":884.375,"end":884.875,"confidence":0.7636941,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.051145024597644806},{"word":"mhmm","start":887.575,"end":887.85,"confidence":0.99732614,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.01501462422311306},{"word":"yep","start":894.73,"end":895.23,"confidence":0.8514326,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06865239143371582},{"word":"okay","start":895.29,"end":895.79,"confidence":0.9017947,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.036744095385074615},{"word":"correct","start":900.56995,"end":901.065,"confidence":0.74491227,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.05440016090869904},{"word":"in","start":904.105,"end":904.425,"confidence":0.60318846,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.020627297461032867},{"word":"all","start":904.425,"end":904.745,"confidence":0.9993562,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.02302117645740509},{"word":"honesty","start":904.745,"end":905.245,"confidence":0.9882829,"punctuated_word":"honesty,","sentiment":"neutral","sentiment_score":0.010606836527585983},{"word":"depending","start":905.465,"end":905.945,"confidence":0.99933594,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.035470813512802124},{"word":"on","start":905.945,"end":906.025,"confidence":0.99877375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04939796030521393},{"word":"what","start":906.025,"end":906.265,"confidence":0.99936336,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03088796883821487},{"word":"sort","start":906.265,"end":906.425,"confidence":0.9988432,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.002740830183029175},{"word":"of","start":906.425,"end":906.585,"confidence":0.99931574,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04846321791410446},{"word":"a","start":906.585,"end":906.745,"confidence":0.9809481,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05649761110544205},{"word":"caravan","start":906.745,"end":907.245,"confidence":0.99660766,"punctuated_word":"caravan","sentiment":"neutral","sentiment_score":-0.010386347770690918},{"word":"you","start":907.305,"end":907.625,"confidence":0.9993759,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05773145705461502},{"word":"get","start":907.625,"end":908.125,"confidence":0.9748224,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.00878700241446495},{"word":"if","start":908.185,"end":908.34503,"confidence":0.99840385,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.01502823457121849},{"word":"it","start":908.34503,"end":908.505,"confidence":0.9998324,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04316192120313645},{"word":"is","start":908.505,"end":908.825,"confidence":0.9994318,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03990030288696289},{"word":"older","start":908.825,"end":909.145,"confidence":0.9992773,"punctuated_word":"older","sentiment":"neutral","sentiment_score":-0.052449777722358704},{"word":"than","start":909.145,"end":909.465,"confidence":0.98187053,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.06790002435445786},{"word":"normally","start":909.465,"end":909.965,"confidence":0.7643073,"punctuated_word":"normally,","sentiment":"neutral","sentiment_score":-0.03660878539085388},{"word":"most","start":910.825,"end":911.065,"confidence":0.98756427,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.04205140471458435},{"word":"same","start":911.145,"end":911.385,"confidence":0.99002504,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.037777744233608246},{"word":"as","start":911.385,"end":911.545,"confidence":0.9958758,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.01444929838180542},{"word":"most","start":911.545,"end":911.785,"confidence":0.9988637,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.03654144704341888},{"word":"cars","start":911.785,"end":912.105,"confidence":0.9901035,"punctuated_word":"cars,","sentiment":"neutral","sentiment_score":-0.0029336661100387573},{"word":"you've","start":912.105,"end":912.34503,"confidence":0.99928474,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04307962581515312},{"word":"got","start":912.34503,"end":912.505,"confidence":0.51561666,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0012316107749938965},{"word":"to","start":912.505,"end":912.585,"confidence":0.9682246,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0005368441343307495},{"word":"kind","start":912.585,"end":912.825,"confidence":0.9958966,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.04917760193347931},{"word":"of","start":912.825,"end":912.905,"confidence":0.9977387,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.002509385347366333},{"word":"have","start":912.905,"end":913.145,"confidence":0.99950814,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.009639576077461244},{"word":"a","start":913.145,"end":913.305,"confidence":0.8970857,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02395058423280716},{"word":"value","start":913.305,"end":913.785,"confidence":0.8604022,"punctuated_word":"value,","sentiment":"neutral","sentiment_score":0.0050305575132369995},{"word":"but","start":913.785,"end":914.25,"confidence":0.98722434,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.016723908483982086},{"word":"most","start":914.97,"end":915.29,"confidence":0.9341588,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.11039012670516968},{"word":"loans","start":915.29,"end":915.61,"confidence":0.9989931,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":-0.17342326045036316},{"word":"end","start":915.61,"end":915.77,"confidence":0.99815875,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.10571223497390748},{"word":"up","start":915.77,"end":915.93,"confidence":0.99979573,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.12059877812862396},{"word":"being","start":915.93,"end":916.17,"confidence":0.99932647,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.12758946418762207},{"word":"unsecured","start":916.17,"end":916.67,"confidence":0.9839418,"punctuated_word":"unsecured.","sentiment":"neutral","sentiment_score":-0.21624407172203064},{"word":"even","start":917.05,"end":917.29,"confidence":0.99962544,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":-0.17856812477111816},{"word":"a","start":917.29,"end":917.45,"confidence":0.9547451,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11431719362735748},{"word":"secured","start":917.45,"end":917.93,"confidence":0.92983246,"punctuated_word":"secured","sentiment":"neutral","sentiment_score":-0.18007035553455353},{"word":"personal","start":917.93,"end":918.33,"confidence":0.99547714,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.13586261868476868},{"word":"loan","start":918.33,"end":918.57,"confidence":0.9980459,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.09195749461650848},{"word":"for","start":918.57,"end":918.73,"confidence":0.99452555,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.014232918620109558},{"word":"that","start":918.73,"end":918.97,"confidence":0.9998671,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03759777545928955},{"word":"sort","start":918.97,"end":919.13,"confidence":0.9993961,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.09853118658065796},{"word":"of","start":919.13,"end":919.21,"confidence":0.99675614,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.00247839093208313},{"word":"thing","start":919.21,"end":919.61,"confidence":0.9997631,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.015029102563858032},{"word":"is","start":919.61,"end":919.93,"confidence":0.9979461,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02223646640777588},{"word":"pretty","start":919.93,"end":920.25,"confidence":0.9997222,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.23196515440940857},{"word":"hefty","start":920.25,"end":920.73,"confidence":0.98781675,"punctuated_word":"hefty","sentiment":"neutral","sentiment_score":-0.16061338782310486},{"word":"at","start":920.73,"end":920.97,"confidence":0.9988745,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.004652544856071472},{"word":"about","start":920.97,"end":921.37,"confidence":0.9990127,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.04827986657619476},{"word":"between","start":921.37,"end":921.87,"confidence":0.98407704,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.07353544235229492},{"word":"six","start":921.93,"end":922.17,"confidence":0.99858737,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.016172215342521667},{"word":"to","start":922.17,"end":922.67,"confidence":0.98660785,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.08167713135480881},{"word":"you","start":922.89,"end":923.05,"confidence":0.9997738,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07313501834869385},{"word":"know","start":923.05,"end":923.37,"confidence":0.9999178,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.06655023247003555},{"word":"12%","start":923.37,"end":924.27,"confidence":0.9978006,"punctuated_word":"12%.","sentiment":"neutral","sentiment_score":0.044685881584882736},{"word":"so","start":924.81,"end":925.05,"confidence":0.8803364,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.06897589564323425},{"word":"realistically","start":925.05,"end":925.55,"confidence":0.9999582,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.09543111175298692},{"word":"if","start":925.93,"end":926.09,"confidence":0.999801,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14113223552703855},{"word":"you","start":926.09,"end":926.25,"confidence":0.99995565,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16541478037834167},{"word":"are","start":926.25,"end":926.49,"confidence":0.99991214,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12977901101112366},{"word":"going","start":926.49,"end":926.73,"confidence":0.9997359,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.149973064661026},{"word":"to","start":926.73,"end":926.89,"confidence":0.9990194,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14406579732894895},{"word":"get","start":926.89,"end":927.13,"confidence":0.9986785,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11711063235998154},{"word":"a","start":927.13,"end":927.21,"confidence":0.9835217,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1401645988225937},{"word":"try","start":927.45,"end":927.61,"confidence":0.9445657,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.11185375601053238},{"word":"and","start":927.61,"end":927.77,"confidence":0.9953675,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16737334430217743},{"word":"get","start":927.77,"end":927.93,"confidence":0.9998554,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12446215003728868},{"word":"a","start":927.93,"end":928.09,"confidence":0.9984042,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1882690042257309},{"word":"loan","start":928.09,"end":928.59,"confidence":0.92310125,"punctuated_word":"loan,","sentiment":"neutral","sentiment_score":0.09814628958702087},{"word":"pull","start":928.89,"end":929.13,"confidence":0.9979189,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.1696629375219345},{"word":"it","start":929.13,"end":929.29,"confidence":0.9977773,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08791591972112656},{"word":"off","start":929.29,"end":929.53,"confidence":0.9989365,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.0614439845085144},{"word":"the","start":929.53,"end":929.69,"confidence":0.99900705,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1538446843624115},{"word":"mortgage","start":929.69,"end":930.19,"confidence":0.8207962,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.048254162073135376},{"word":"that","start":930.515,"end":930.675,"confidence":0.99973637,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.14856454730033877},{"word":"way","start":930.675,"end":930.915,"confidence":0.9999244,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.24350017309188843},{"word":"you","start":930.915,"end":931.155,"confidence":0.60508066,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22124701738357544},{"word":"are","start":931.155,"end":931.315,"confidence":0.999328,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2445794492959976},{"word":"paying","start":931.315,"end":931.635,"confidence":0.9999286,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.32620662450790405},{"word":"a","start":931.635,"end":931.795,"confidence":0.99956006,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.39023593068122864},{"word":"much","start":931.795,"end":932.03503,"confidence":0.9999713,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.37982890009880066},{"word":"lower","start":932.03503,"end":932.435,"confidence":0.99984026,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.3054903447628021},{"word":"interest","start":932.435,"end":932.835,"confidence":0.9998062,"punctuated_word":"interest","sentiment":"positive","sentiment_score":0.3800730109214782},{"word":"rate","start":932.835,"end":933.155,"confidence":0.9985454,"punctuated_word":"rate","sentiment":"positive","sentiment_score":0.45288556814193726},{"word":"because","start":933.155,"end":933.395,"confidence":0.8569672,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.299437016248703},{"word":"mortgage","start":933.395,"end":933.795,"confidence":0.99968946,"punctuated_word":"mortgage","sentiment":"positive","sentiment_score":0.3371132016181946},{"word":"rates","start":933.795,"end":934.195,"confidence":0.9993061,"punctuated_word":"rates","sentiment":"positive","sentiment_score":0.4134199917316437},{"word":"are","start":934.195,"end":934.435,"confidence":0.9992005,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.43656447529792786},{"word":"lower","start":934.435,"end":934.935,"confidence":0.8168058,"punctuated_word":"lower,","sentiment":"positive","sentiment_score":0.43177855014801025},{"word":"and","start":935.155,"end":935.315,"confidence":0.99920815,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4298286437988281},{"word":"you","start":935.315,"end":935.555,"confidence":0.99988556,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5289217233657837},{"word":"don't","start":935.555,"end":935.795,"confidence":0.9999209,"punctuated_word":"don't","sentiment":"positive","sentiment_score":0.4094516634941101},{"word":"have","start":935.795,"end":936.03503,"confidence":0.99988496,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.34340059757232666},{"word":"to","start":936.03503,"end":936.115,"confidence":0.998353,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27032017707824707},{"word":"go","start":936.115,"end":936.275,"confidence":0.9999516,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3048267960548401},{"word":"and","start":936.275,"end":936.435,"confidence":0.9985531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2545364499092102},{"word":"get","start":936.435,"end":936.59503,"confidence":0.99992573,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.28271254897117615},{"word":"the","start":936.59503,"end":936.755,"confidence":0.9987986,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2927558124065399},{"word":"loan","start":936.755,"end":936.995,"confidence":0.99984205,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.12295813858509064},{"word":"again","start":936.995,"end":937.235,"confidence":0.9788692,"punctuated_word":"again.","sentiment":"positive","sentiment_score":0.3397426903247833},{"word":"the","start":937.235,"end":937.395,"confidence":0.99962735,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.23418554663658145},{"word":"other","start":937.395,"end":937.635,"confidence":0.9998276,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0980937033891678},{"word":"side","start":937.635,"end":937.875,"confidence":0.99797136,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.2245862782001495},{"word":"of","start":937.875,"end":937.955,"confidence":0.99682957,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24128475785255432},{"word":"that","start":937.955,"end":938.115,"confidence":0.9996946,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2011975646018982},{"word":"is","start":938.115,"end":938.355,"confidence":0.99963987,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.174672931432724},{"word":"responsible","start":938.355,"end":938.835,"confidence":0.9836046,"punctuated_word":"responsible","sentiment":"neutral","sentiment_score":0.09224162995815276},{"word":"lending","start":938.835,"end":939.315,"confidence":0.9231712,"punctuated_word":"lending,","sentiment":"neutral","sentiment_score":0.11317215114831924},{"word":"and","start":939.315,"end":939.47504,"confidence":0.99861574,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2298930585384369},{"word":"i","start":939.47504,"end":939.635,"confidence":0.99989665,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.32306569814682007},{"word":"can","start":939.635,"end":939.795,"confidence":0.9999385,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30708903074264526},{"word":"safely","start":939.795,"end":940.275,"confidence":0.9992582,"punctuated_word":"safely","sentiment":"neutral","sentiment_score":0.2322893738746643},{"word":"tell","start":940.275,"end":940.515,"confidence":0.99943537,"punctuated_word":"tell","sentiment":"positive","sentiment_score":0.3676789104938507},{"word":"you","start":940.515,"end":941.015,"confidence":0.99954337,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3312554955482483},{"word":"that","start":941.235,"end":941.555,"confidence":0.99886024,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2815248370170593},{"word":"the","start":941.555,"end":941.875,"confidence":0.99782664,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2519705295562744},{"word":"aml","start":941.875,"end":942.375,"confidence":0.9999132,"punctuated_word":"AML","sentiment":"neutral","sentiment_score":0.06304797530174255},{"word":"has","start":942.675,"end":943.075,"confidence":0.99972564,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.15781602263450625},{"word":"changed","start":943.075,"end":943.575,"confidence":0.9933288,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":0.1301911622285843},{"word":"so","start":943.73004,"end":944.05005,"confidence":0.9987709,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17311029136180878},{"word":"the","start":944.05005,"end":944.29004,"confidence":0.9993293,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13216516375541687},{"word":"aml","start":944.29004,"end":944.77,"confidence":0.99991703,"punctuated_word":"AML","sentiment":"neutral","sentiment_score":0.058561552315950394},{"word":"is","start":944.77,"end":945.09,"confidence":0.9998197,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09583514928817748},{"word":"anti","start":945.09,"end":945.41003,"confidence":0.93811285,"punctuated_word":"anti","sentiment":"neutral","sentiment_score":0.07469332218170166},{"word":"money","start":945.41003,"end":945.65,"confidence":0.99730694,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.05671164393424988},{"word":"laundering","start":945.65,"end":946.05005,"confidence":0.9946515,"punctuated_word":"laundering","sentiment":"neutral","sentiment_score":0.02111874520778656},{"word":"counterterrorism","start":946.05005,"end":946.55005,"confidence":0.6532391,"punctuated_word":"counterterrorism,","sentiment":"neutral","sentiment_score":0.020295709371566772},{"word":"and","start":947.49005,"end":947.73004,"confidence":0.9991222,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16017687320709229},{"word":"that's","start":947.73004,"end":947.97003,"confidence":0.990271,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.13656207919120789},{"word":"essentially","start":947.97003,"end":948.47003,"confidence":0.97106916,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.12092744559049606},{"word":"looking","start":948.85004,"end":949.17004,"confidence":0.9057103,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.14255425333976746},{"word":"at","start":949.17004,"end":949.41003,"confidence":0.99945873,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12571272253990173},{"word":"you","start":949.41003,"end":949.73004,"confidence":0.9997631,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1664653122425079},{"word":"as","start":949.73004,"end":949.89,"confidence":0.9998093,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17224696278572085},{"word":"an","start":949.89,"end":950.05005,"confidence":0.99967253,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1219581663608551},{"word":"identity","start":950.05005,"end":950.53,"confidence":0.9995529,"punctuated_word":"identity","sentiment":"neutral","sentiment_score":-0.010685190558433533},{"word":"because","start":950.53,"end":950.85004,"confidence":0.82717854,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0592942014336586},{"word":"there","start":950.85004,"end":951.09,"confidence":0.9846635,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10066898912191392},{"word":"has","start":951.09,"end":951.25,"confidence":0.99937314,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.07903293520212173},{"word":"been","start":951.25,"end":951.65,"confidence":0.998645,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.06313061714172363},{"word":"so","start":951.65,"end":951.97003,"confidence":0.99924576,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08851616084575653},{"word":"much","start":951.97003,"end":952.45,"confidence":0.9998872,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.06606937944889069},{"word":"in","start":952.45,"end":952.85004,"confidence":0.9976483,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.012934610247612},{"word":"canada","start":952.85004,"end":953.17004,"confidence":0.3083208,"punctuated_word":"Canada","sentiment":"neutral","sentiment_score":0.07415558397769928},{"word":"in","start":953.33,"end":953.57,"confidence":0.9949121,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.061128631234169006},{"word":"terrorism","start":953.57,"end":954.07,"confidence":0.9961287,"punctuated_word":"terrorism","sentiment":"neutral","sentiment_score":-0.06820914149284363},{"word":"financing","start":954.13,"end":954.63,"confidence":0.90646905,"punctuated_word":"financing,","sentiment":"neutral","sentiment_score":0.014220017939805984},{"word":"everything","start":954.77,"end":955.25,"confidence":0.99976414,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.0670357197523117},{"word":"happening","start":955.25,"end":955.75,"confidence":0.999605,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.08662807196378708},{"word":"with","start":955.925,"end":956.08496,"confidence":0.99994195,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.013363510370254517},{"word":"the","start":956.08496,"end":956.245,"confidence":0.9957475,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009993478655815125},{"word":"terrorist","start":956.245,"end":956.64496,"confidence":0.9645292,"punctuated_word":"terrorist","sentiment":"neutral","sentiment_score":-0.02297988533973694},{"word":"side","start":956.64496,"end":956.805,"confidence":0.9985605,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.08218368887901306},{"word":"of","start":956.805,"end":956.96497,"confidence":0.9993073,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16864973306655884},{"word":"things","start":956.96497,"end":957.20496,"confidence":0.9997534,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.08768589794635773},{"word":"over","start":957.20496,"end":957.44495,"confidence":0.9888304,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1873502880334854},{"word":"the","start":957.44495,"end":957.52496,"confidence":0.9988851,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18931496143341064},{"word":"last","start":957.52496,"end":957.845,"confidence":0.9997354,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.13287635147571564},{"word":"couple","start":957.845,"end":958.08496,"confidence":0.9996767,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.053394898772239685},{"word":"of","start":958.08496,"end":958.245,"confidence":0.99941325,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0987434983253479},{"word":"years","start":958.245,"end":958.745,"confidence":0.9894983,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.12225812673568726},{"word":"they've","start":958.88495,"end":959.125,"confidence":0.9871941,"punctuated_word":"They've","sentiment":"neutral","sentiment_score":0.2030790150165558},{"word":"also","start":959.125,"end":959.44495,"confidence":0.9996972,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.13337400555610657},{"word":"had","start":959.44495,"end":959.605,"confidence":0.99950516,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.17728452384471893},{"word":"a","start":959.605,"end":959.685,"confidence":0.9996723,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17429007589817047},{"word":"lot","start":959.685,"end":959.845,"confidence":0.99985385,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.14491015672683716},{"word":"of","start":959.845,"end":959.925,"confidence":0.99874544,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15892918407917023},{"word":"anti","start":959.925,"end":960.40497,"confidence":0.63260305,"punctuated_word":"anti","sentiment":"neutral","sentiment_score":0.008811607956886292},{"word":"money","start":960.56494,"end":960.805,"confidence":0.99017894,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.012930899858474731},{"word":"laundering","start":960.805,"end":961.285,"confidence":0.9995939,"punctuated_word":"laundering","sentiment":"neutral","sentiment_score":-0.10205896198749542},{"word":"going","start":961.285,"end":961.52496,"confidence":0.9996766,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.12311223149299622},{"word":"on","start":961.52496,"end":961.685,"confidence":0.99922967,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09278088063001633},{"word":"as","start":961.685,"end":961.845,"confidence":0.9988404,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1704324334859848},{"word":"well","start":961.845,"end":962.00494,"confidence":0.99942803,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.13549184799194336},{"word":"they've","start":962.00494,"end":962.245,"confidence":0.99713135,"punctuated_word":"They've","sentiment":"neutral","sentiment_score":0.18850980699062347},{"word":"actually","start":962.245,"end":962.56494,"confidence":0.99881196,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.182297021150589},{"word":"gone","start":962.56494,"end":962.88495,"confidence":0.9986432,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.22778786718845367},{"word":"back","start":962.88495,"end":963.20496,"confidence":0.99833494,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.17014087736606598},{"word":"and","start":963.20496,"end":963.44495,"confidence":0.99849665,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18986958265304563},{"word":"updated","start":963.44495,"end":963.94495,"confidence":0.9984163,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.12384641170501708},{"word":"all","start":964.40497,"end":964.56494,"confidence":0.99854076,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.18309074640274048},{"word":"of","start":964.56494,"end":964.725,"confidence":0.9983626,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2005354166030884},{"word":"those","start":964.725,"end":965.045,"confidence":0.9983413,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.15441155433654785},{"word":"sorts","start":965.045,"end":965.365,"confidence":0.9951421,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.07775790989398956},{"word":"of","start":965.365,"end":965.605,"confidence":0.9990357,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1334792822599411},{"word":"legislations","start":965.605,"end":966.105,"confidence":0.99304473,"punctuated_word":"legislations","sentiment":"neutral","sentiment_score":0.13007856905460358},{"word":"recently","start":966.485,"end":966.985,"confidence":0.78086215,"punctuated_word":"recently.","sentiment":"neutral","sentiment_score":0.1942731142044067},{"word":"and","start":967.605,"end":967.76495,"confidence":0.65355676,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15730547904968262},{"word":"it","start":967.76495,"end":967.925,"confidence":0.9645519,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.134881854057312},{"word":"means","start":967.925,"end":968.245,"confidence":0.99736893,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.08482957631349564},{"word":"that","start":968.245,"end":968.56494,"confidence":0.9928215,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10839708894491196},{"word":"whenever","start":968.56494,"end":969.06494,"confidence":0.98902637,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.08605122566223145},{"word":"we","start":969.20496,"end":969.70496,"confidence":0.86092925,"punctuated_word":"we,","sentiment":"neutral","sentiment_score":0.1047029197216034},{"word":"a","start":969.76495,"end":969.845,"confidence":0.890879,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05615459382534027},{"word":"bank","start":969.845,"end":970.17,"confidence":0.8143275,"punctuated_word":"bank,","sentiment":"neutral","sentiment_score":-0.009383246302604675},{"word":"nowadays","start":970.73,"end":971.23,"confidence":0.9737388,"punctuated_word":"nowadays,","sentiment":"neutral","sentiment_score":0.0365745835006237},{"word":"even","start":971.61,"end":971.93,"confidence":0.99982125,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.06904573738574982},{"word":"an","start":971.93,"end":972.25,"confidence":0.9981669,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.021743863821029663},{"word":"accountant","start":972.25,"end":972.75,"confidence":0.9953121,"punctuated_word":"accountant,","sentiment":"neutral","sentiment_score":0.009108401834964752},{"word":"a","start":973.05,"end":973.55,"confidence":0.9985014,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05654064565896988},{"word":"a","start":973.61,"end":973.93,"confidence":0.980525,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.018049083650112152},{"word":"lawyer","start":973.93,"end":974.43,"confidence":0.9855258,"punctuated_word":"lawyer,","sentiment":"neutral","sentiment_score":0.0035562776029109955},{"word":"and","start":974.88995,"end":975.29,"confidence":0.9997074,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01209665834903717},{"word":"a","start":975.29,"end":975.45,"confidence":0.99959797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05728721618652344},{"word":"real","start":975.45,"end":975.61,"confidence":0.99987483,"punctuated_word":"real","sentiment":"neutral","sentiment_score":-0.03051108121871948},{"word":"estate","start":975.61,"end":975.93,"confidence":0.9982546,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.02210250496864319},{"word":"agent","start":975.93,"end":976.41,"confidence":0.99963975,"punctuated_word":"agent","sentiment":"neutral","sentiment_score":-0.004453390836715698},{"word":"now","start":976.41,"end":976.64996,"confidence":0.95541567,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.0019603371620178223},{"word":"have","start":976.64996,"end":976.88995,"confidence":0.6477933,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04395982623100281},{"word":"to","start":976.88995,"end":976.97,"confidence":0.99952245,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012602433562278748},{"word":"get","start":976.97,"end":977.13,"confidence":0.99942905,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.014222681522369385},{"word":"your","start":977.13,"end":977.37,"confidence":0.9998037,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.019955024123191833},{"word":"id","start":977.37,"end":977.76996,"confidence":0.850513,"punctuated_word":"ID,","sentiment":"neutral","sentiment_score":-0.030111581087112427},{"word":"confirm","start":977.76996,"end":978.25,"confidence":0.9781497,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":-0.01225164532661438},{"word":"how","start":978.25,"end":978.57,"confidence":0.9924104,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.011239498853683472},{"word":"funds","start":978.57,"end":978.88995,"confidence":0.99964476,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.020322710275650024},{"word":"are","start":978.88995,"end":979.13,"confidence":0.8834163,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.09383843839168549},{"word":"where","start":979.13,"end":979.37,"confidence":0.99954337,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.03686411678791046},{"word":"funds","start":979.37,"end":979.61,"confidence":0.99957246,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.006604477763175964},{"word":"have","start":979.61,"end":979.85,"confidence":0.9977742,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11165442317724228},{"word":"come","start":979.85,"end":980.01,"confidence":0.99882895,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.07355134934186935},{"word":"from","start":980.01,"end":980.32996,"confidence":0.9977448,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":0.05925578251481056},{"word":"how","start":980.32996,"end":980.49,"confidence":0.99935466,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.11970090121030807},{"word":"they","start":980.49,"end":980.73,"confidence":0.99218845,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.10278350114822388},{"word":"use","start":980.73,"end":980.97,"confidence":0.9688756,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.0914974808692932},{"word":"the","start":980.97,"end":981.47,"confidence":0.98736584,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11084926128387453},{"word":"the","start":981.61,"end":981.85,"confidence":0.99056566,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10287249088287354},{"word":"aml","start":981.85,"end":982.335,"confidence":0.9992128,"punctuated_word":"AML","sentiment":"neutral","sentiment_score":-0.040657125413417816},{"word":"side","start":982.41504,"end":982.575,"confidence":0.9991099,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.06786306202411652},{"word":"of","start":982.575,"end":982.655,"confidence":0.9992212,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17843258380889893},{"word":"things","start":982.655,"end":982.815,"confidence":0.9994105,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1170145869255066},{"word":"of","start":982.815,"end":983.055,"confidence":0.7954859,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17996345460414886},{"word":"getting","start":983.055,"end":983.29504,"confidence":0.9996449,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.09634709358215332},{"word":"your","start":983.29504,"end":983.53503,"confidence":0.9993812,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06210397183895111},{"word":"id","start":983.53503,"end":983.85504,"confidence":0.6736794,"punctuated_word":"ID,","sentiment":"neutral","sentiment_score":0.06109143793582916},{"word":"improving","start":983.85504,"end":984.335,"confidence":0.9938882,"punctuated_word":"improving","sentiment":"neutral","sentiment_score":0.18308132886886597},{"word":"who","start":984.335,"end":984.575,"confidence":0.9984397,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.1309095025062561},{"word":"you","start":984.575,"end":984.73505,"confidence":0.9995745,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21569815278053284},{"word":"are","start":984.73505,"end":985.055,"confidence":0.9985454,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.24549083411693573},{"word":"is","start":985.055,"end":985.29504,"confidence":0.82487506,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21332086622714996},{"word":"a","start":985.29504,"end":985.375,"confidence":0.99944025,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15671546757221222},{"word":"much","start":985.375,"end":985.695,"confidence":0.99988663,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.18813225626945496},{"word":"bigger","start":985.695,"end":986.09503,"confidence":0.99918705,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":0.0940411537885666},{"word":"process","start":986.09503,"end":986.59503,"confidence":0.9994696,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.16027241945266724},{"word":"on","start":986.655,"end":986.815,"confidence":0.9972609,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07362054288387299},{"word":"the","start":986.815,"end":986.97504,"confidence":0.9997565,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0921354740858078},{"word":"other","start":986.97504,"end":987.215,"confidence":0.99962056,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.02233774960041046},{"word":"side","start":987.215,"end":987.455,"confidence":0.9996742,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.07791510224342346},{"word":"of","start":987.455,"end":987.53503,"confidence":0.99964356,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18225917220115664},{"word":"it","start":987.53503,"end":988.03503,"confidence":0.9995761,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.04666328430175781},{"word":"it's","start":988.09503,"end":988.335,"confidence":0.99927473,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.023787911981344223},{"word":"not","start":988.335,"end":988.495,"confidence":0.9998467,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0663670152425766},{"word":"as","start":988.495,"end":988.655,"confidence":0.8776332,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05979911983013153},{"word":"big","start":988.655,"end":988.895,"confidence":0.7691087,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.07486319541931152},{"word":"a","start":988.895,"end":989.055,"confidence":0.9817857,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1547843962907791},{"word":"process","start":989.055,"end":989.455,"confidence":0.9989951,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.07077533006668091},{"word":"for","start":989.455,"end":989.695,"confidence":0.9901377,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09413503110408784},{"word":"you","start":989.695,"end":989.85504,"confidence":0.99937755,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0978887528181076},{"word":"guys","start":989.85504,"end":990.255,"confidence":0.9984995,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.06523236632347107},{"word":"to","start":990.255,"end":990.41504,"confidence":0.99842775,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03707133233547211},{"word":"see","start":990.41504,"end":990.91504,"confidence":0.97581303,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":-0.007128000259399414},{"word":"but","start":991.455,"end":991.61505,"confidence":0.99903,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0006942301988601685},{"word":"it","start":991.61505,"end":991.775,"confidence":0.99916375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.037603959441185},{"word":"is","start":991.775,"end":991.85504,"confidence":0.9997398,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04241591691970825},{"word":"a","start":991.85504,"end":992.015,"confidence":0.9989599,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04546108469367027},{"word":"much","start":992.015,"end":992.17505,"confidence":0.99955195,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.01922996342182159},{"word":"bigger","start":992.17505,"end":992.495,"confidence":0.9987362,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":-0.010935738682746887},{"word":"process","start":992.495,"end":992.895,"confidence":0.9988096,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.07042981684207916},{"word":"on","start":992.895,"end":993.055,"confidence":0.9960098,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.019506797194480896},{"word":"the","start":993.055,"end":993.215,"confidence":0.998288,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014654889702796936},{"word":"other","start":993.215,"end":993.455,"confidence":0.9992816,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.06744137406349182},{"word":"side","start":993.455,"end":993.695,"confidence":0.9970874,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.004633888602256775},{"word":"of","start":993.695,"end":993.85504,"confidence":0.997724,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.00788925588130951},{"word":"things","start":993.85504,"end":994.255,"confidence":0.98898596,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.003569304943084717},{"word":"so","start":994.255,"end":994.73505,"confidence":0.9974075,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.014078304171562197},{"word":"there","start":994.73505,"end":994.97504,"confidence":0.99430496,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.023192711174488068},{"word":"is","start":994.97504,"end":995.135,"confidence":0.99504894,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.018238790333271027},{"word":"a","start":995.135,"end":995.29504,"confidence":0.99604887,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012112554162740707},{"word":"lot","start":995.29504,"end":995.53503,"confidence":0.99848396,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.011766240000724792},{"word":"more","start":995.53503,"end":995.85504,"confidence":0.996018,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.011855490505695345},{"word":"to","start":995.85504,"end":996.09503,"confidence":0.9865479,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008816637098789215},{"word":"lending","start":996.09503,"end":996.59503,"confidence":0.9951865,"punctuated_word":"lending","sentiment":"neutral","sentiment_score":-0.07668186724185944},{"word":"criterias","start":996.655,"end":997.155,"confidence":0.85427636,"punctuated_word":"criterias","sentiment":"neutral","sentiment_score":-0.02801595628261566},{"word":"that","start":997.29504,"end":997.455,"confidence":0.9811442,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.011212572455406187},{"word":"banks","start":997.455,"end":997.71,"confidence":0.9756177,"punctuated_word":"banks","sentiment":"neutral","sentiment_score":-0.06046181917190552},{"word":"will","start":997.79004,"end":998.03,"confidence":0.9988381,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.009131602942943571},{"word":"have","start":998.03,"end":998.11,"confidence":0.9995415,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.000015541911125183105},{"word":"to","start":998.11,"end":998.19,"confidence":0.9989312,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.006157919764518738},{"word":"go","start":998.19,"end":998.67004,"confidence":0.9997228,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.005110993981361389},{"word":"through","start":998.67004,"end":999.17004,"confidence":0.99760395,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.005400657653808594},{"word":"to","start":999.47003,"end":999.63,"confidence":0.99848217,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.026218965649604797},{"word":"assess","start":999.63,"end":1000.03,"confidence":0.99925596,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":-0.03269500285387039},{"word":"everything","start":1000.03,"end":1000.53,"confidence":0.9475565,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.03245203197002411},{"word":"which","start":1001.71,"end":1001.87,"confidence":0.52412784,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0928465873003006},{"word":"means","start":1001.87,"end":1002.11005,"confidence":0.99883467,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.09245233982801436},{"word":"the","start":1002.11005,"end":1002.19,"confidence":0.9913483,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13022667169570923},{"word":"cost","start":1002.19,"end":1002.51,"confidence":0.9979038,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.0647035539150238},{"word":"of","start":1002.51,"end":1002.67004,"confidence":0.96783555,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13818517327308655},{"word":"that","start":1002.67004,"end":1002.83,"confidence":0.98266196,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11390788853168488},{"word":"on","start":1002.83,"end":1002.91003,"confidence":0.98556465,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0791756808757782},{"word":"the","start":1002.91003,"end":1002.99005,"confidence":0.9992466,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06617185473442078},{"word":"other","start":1002.99005,"end":1003.23004,"confidence":0.93126893,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.03045487403869629},{"word":"side","start":1003.23004,"end":1003.63,"confidence":0.99844426,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.06414131820201874},{"word":"down","start":1003.63,"end":1003.79004,"confidence":0.9098391,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.15115326642990112},{"word":"the","start":1003.79004,"end":1003.95,"confidence":0.9989312,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14593228697776794},{"word":"track","start":1003.95,"end":1004.27,"confidence":0.9413895,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.1043156087398529},{"word":"i","start":1004.27,"end":1004.43,"confidence":0.9993143,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09241659939289092},{"word":"reckon","start":1004.43,"end":1004.83,"confidence":0.9571378,"punctuated_word":"reckon,","sentiment":"neutral","sentiment_score":0.06317495554685593},{"word":"will","start":1004.83,"end":1004.99005,"confidence":0.9959378,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.00140264630317688},{"word":"probably","start":1004.99005,"end":1005.47003,"confidence":0.99965477,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.022277891635894775},{"word":"change","start":1005.47003,"end":1005.97003,"confidence":0.9943328,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":-0.01083434373140335},{"word":"but","start":1006.27,"end":1006.51,"confidence":0.8823488,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.16127608716487885},{"word":"realistically","start":1006.51,"end":1007.01,"confidence":0.99977565,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.20740920305252075},{"word":"with","start":1007.39,"end":1007.55005,"confidence":0.9862407,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22336769104003903},{"word":"where","start":1007.55005,"end":1007.79004,"confidence":0.9981918,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.22082656621932983},{"word":"you","start":1007.79004,"end":1007.95,"confidence":0.9996131,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2728234529495239},{"word":"are","start":1007.95,"end":1008.11005,"confidence":0.9990247,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.3199779987335205},{"word":"you've","start":1008.11005,"end":1008.35004,"confidence":0.9997967,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.3602892756462097},{"word":"already","start":1008.35004,"end":1008.67004,"confidence":0.99976665,"punctuated_word":"already","sentiment":"positive","sentiment_score":0.49019312858581543},{"word":"got","start":1008.67004,"end":1008.83,"confidence":0.99914503,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.35858583450317383},{"word":"that","start":1008.83,"end":1009.07,"confidence":0.9992187,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3046116530895233},{"word":"loan","start":1009.07,"end":1009.39,"confidence":0.9980095,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.16303248703479767},{"word":"there","start":1009.39,"end":1009.55005,"confidence":0.99183536,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.29492616653442383},{"word":"you","start":1009.55005,"end":1009.71,"confidence":0.99947757,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.28446632623672485},{"word":"wouldn't","start":1009.71,"end":1010.03,"confidence":0.9997827,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.2659435272216797},{"word":"have","start":1010.03,"end":1010.19,"confidence":0.99910706,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.27570199966430664},{"word":"to","start":1010.19,"end":1010.27,"confidence":0.9980775,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14672493934631348},{"word":"go","start":1010.27,"end":1010.51,"confidence":0.9982546,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.08057592809200287},{"word":"through","start":1010.51,"end":1010.67004,"confidence":0.90820706,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.01703856885433197},{"word":"the","start":1010.67004,"end":1010.75,"confidence":0.9959055,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1087062656879425},{"word":"process","start":1010.75,"end":1011.15,"confidence":0.99726117,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.0015123635530471802},{"word":"of","start":1011.15,"end":1011.39,"confidence":0.99185044,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0068019479513168335},{"word":"applying","start":1011.39,"end":1011.71,"confidence":0.99500567,"punctuated_word":"applying","sentiment":"neutral","sentiment_score":-0.06222464144229889},{"word":"for","start":1011.71,"end":1012.065,"confidence":0.7530828,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.016176298260688782},{"word":"loans","start":1012.065,"end":1012.545,"confidence":0.9824082,"punctuated_word":"loans,","sentiment":"neutral","sentiment_score":-0.04075112193822861},{"word":"providing","start":1012.545,"end":1013.025,"confidence":0.9972132,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.08032785356044769},{"word":"your","start":1013.025,"end":1013.185,"confidence":0.78386426,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11505544185638428},{"word":"bank","start":1013.185,"end":1013.505,"confidence":0.9988164,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.0007174462080001831},{"word":"statements","start":1013.505,"end":1013.985,"confidence":0.9932376,"punctuated_word":"statements,","sentiment":"neutral","sentiment_score":0.08579851686954498},{"word":"going","start":1013.985,"end":1014.225,"confidence":0.9997329,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.17087459564208984},{"word":"back","start":1014.225,"end":1014.465,"confidence":0.99926203,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.13296949863433838},{"word":"through","start":1014.465,"end":1014.705,"confidence":0.9134381,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1378723382949829},{"word":"the","start":1014.705,"end":1014.865,"confidence":0.99913627,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15167582035064697},{"word":"income","start":1014.865,"end":1015.265,"confidence":0.99974257,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.04609692096710205},{"word":"assessments","start":1015.265,"end":1015.765,"confidence":0.9913332,"punctuated_word":"assessments","sentiment":"neutral","sentiment_score":0.06708598136901855},{"word":"to","start":1015.825,"end":1015.985,"confidence":0.99825054,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23293250799179077},{"word":"get","start":1015.985,"end":1016.225,"confidence":0.99986625,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.24347901344299316},{"word":"a","start":1016.225,"end":1016.385,"confidence":0.99960583,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2635608911514282},{"word":"personal","start":1016.385,"end":1016.865,"confidence":0.99976665,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.07438798248767853},{"word":"loan","start":1016.865,"end":1017.365,"confidence":0.95199144,"punctuated_word":"loan,","sentiment":"neutral","sentiment_score":0.23576566576957703},{"word":"utilizing","start":1017.985,"end":1018.485,"confidence":0.99624383,"punctuated_word":"utilizing","sentiment":"positive","sentiment_score":0.3741978406906128},{"word":"what","start":1018.545,"end":1018.785,"confidence":0.99960977,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.39689046144485474},{"word":"you","start":1018.785,"end":1018.945,"confidence":0.9997743,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3711712658405304},{"word":"have","start":1018.945,"end":1019.265,"confidence":0.8821056,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":-0.04483373463153839},{"word":"and","start":1019.265,"end":1019.505,"confidence":0.99485236,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.010053344070911407},{"word":"because","start":1019.505,"end":1019.905,"confidence":0.9990633,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.002717718482017517},{"word":"it's","start":1019.905,"end":1020.145,"confidence":0.9994379,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0231587253510952},{"word":"a","start":1020.145,"end":1020.465,"confidence":0.9975165,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.028529591858386993},{"word":"a","start":1020.465,"end":1020.545,"confidence":0.85324347,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.003454059362411499},{"word":"very","start":1020.545,"end":1020.785,"confidence":0.7735147,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.04231639206409454},{"word":"a","start":1020.865,"end":1021.025,"confidence":0.9776319,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06643684208393097},{"word":"fixed","start":1021.025,"end":1021.34503,"confidence":0.8625018,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":-0.07966756075620651},{"word":"sorry","start":1021.505,"end":1021.825,"confidence":0.8005574,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.10581731796264648},{"word":"a","start":1021.825,"end":1021.985,"confidence":0.9983967,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05818834900856018},{"word":"variable","start":1021.985,"end":1022.465,"confidence":0.9990402,"punctuated_word":"variable","sentiment":"neutral","sentiment_score":-0.030845001339912415},{"word":"rate","start":1022.465,"end":1022.965,"confidence":0.93758726,"punctuated_word":"rate,","sentiment":"neutral","sentiment_score":-0.0475282222032547},{"word":"and","start":1023.34503,"end":1023.585,"confidence":0.9989312,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.023273978382349014},{"word":"it's","start":1023.585,"end":1023.745,"confidence":0.9974296,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.010395243763923643},{"word":"a","start":1023.745,"end":1023.905,"confidence":0.9983248,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00773157924413681},{"word":"home","start":1023.905,"end":1024.145,"confidence":0.9985702,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.02385234832763672},{"word":"loan","start":1024.145,"end":1024.41,"confidence":0.99540734,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.04810245335102081},{"word":"rate","start":1024.5701,"end":1024.81,"confidence":0.8676434,"punctuated_word":"rate,","sentiment":"neutral","sentiment_score":-0.002865634858608246},{"word":"you're","start":1024.81,"end":1025.13,"confidence":0.9894454,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.022180724889039993},{"word":"technically","start":1025.13,"end":1025.63,"confidence":0.9941063,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":-0.013570383191108704},{"word":"paying","start":1025.6901,"end":1026.01,"confidence":0.99974257,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.07416995614767075},{"word":"a","start":1026.01,"end":1026.17,"confidence":0.9996045,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.022681791335344315},{"word":"lower","start":1026.17,"end":1026.49,"confidence":0.9999664,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.06757267564535141},{"word":"interest","start":1026.49,"end":1026.9701,"confidence":0.99989545,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.1189885139465332},{"word":"than","start":1026.9701,"end":1027.13,"confidence":0.99576133,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.028234116733074188},{"word":"what","start":1027.13,"end":1027.37,"confidence":0.9997137,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.044161029160022736},{"word":"you","start":1027.37,"end":1027.61,"confidence":0.9998149,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03671196848154068},{"word":"would","start":1027.61,"end":1027.85,"confidence":0.9998919,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.06848474591970444},{"word":"be","start":1027.85,"end":1028.35,"confidence":0.99157786,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09490659087896348},{"word":"if","start":1028.65,"end":1028.81,"confidence":0.92451173,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0298834890127182},{"word":"you","start":1028.81,"end":1028.9701,"confidence":0.9998399,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.031568609178066254},{"word":"were","start":1028.9701,"end":1029.2101,"confidence":0.9937976,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.005956366658210754},{"word":"to","start":1029.2101,"end":1029.29,"confidence":0.99883574,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.019241973757743835},{"word":"get","start":1029.29,"end":1029.4501,"confidence":0.9999032,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.05707803368568421},{"word":"a","start":1029.4501,"end":1029.61,"confidence":0.999501,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04280426725745201},{"word":"personal","start":1029.61,"end":1030.0901,"confidence":0.9998461,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.0790921077132225},{"word":"loan","start":1030.0901,"end":1030.49,"confidence":0.9902959,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":-0.06566755473613739},{"word":"so","start":1030.49,"end":1030.99,"confidence":0.9983436,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0003044232726097107},{"word":"this","start":1031.13,"end":1031.4501,"confidence":0.67047286,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.01517270877957344},{"word":"that","start":1031.53,"end":1031.85,"confidence":0.9993932,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01570524275302887},{"word":"side","start":1031.85,"end":1032.01,"confidence":0.89829797,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.02075855992734432},{"word":"of","start":1032.01,"end":1032.17,"confidence":0.9997408,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.004770923405885696},{"word":"things","start":1032.17,"end":1032.65,"confidence":0.98348796,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.007188620045781136},{"word":"i","start":1032.65,"end":1032.81,"confidence":0.9990251,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.002353176474571228},{"word":"would","start":1032.81,"end":1033.05,"confidence":0.99981755,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.00768013671040535},{"word":"probably","start":1033.05,"end":1033.53,"confidence":0.9992693,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.003936104476451874},{"word":"look","start":1033.53,"end":1033.6901,"confidence":0.9995384,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0022817160934209824},{"word":"at","start":1033.6901,"end":1033.77,"confidence":0.9995246,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0024042222648859024},{"word":"this","start":1033.77,"end":1034.27,"confidence":0.9977755,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.006963065825402737},{"word":"yeah","start":1034.89,"end":1035.39,"confidence":0.75587976,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005395405925810337},{"word":"yeah","start":1045.295,"end":1045.795,"confidence":0.94469726,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017424670979380608},{"word":"yeah","start":1046.255,"end":1046.755,"confidence":0.9990479,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01882926933467388},{"word":"yeah","start":1051.135,"end":1051.635,"confidence":0.9992497,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01277005299925804},{"word":"yeah","start":1055.055,"end":1055.555,"confidence":0.99622786,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02629748545587063},{"word":"the","start":1057.49,"end":1057.65,"confidence":0.8355972,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.019214771687984467},{"word":"motor","start":1057.65,"end":1057.97,"confidence":0.99223083,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.027131034061312675},{"word":"home","start":1057.97,"end":1058.37,"confidence":0.8025749,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":0.023459136486053467},{"word":"yeah","start":1058.37,"end":1058.69,"confidence":0.995649,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014987131580710413},{"word":"how","start":1058.69,"end":1058.9299,"confidence":0.95456,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.032976340502500534},{"word":"sorry","start":1059.09,"end":1059.33,"confidence":0.92540324,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.03285238891839981},{"word":"how","start":1059.33,"end":1059.49,"confidence":0.9986278,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.02780400961637497},{"word":"much","start":1059.49,"end":1059.65,"confidence":0.9993356,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.02174779027700424},{"word":"were","start":1059.65,"end":1059.8099,"confidence":0.99601376,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.03391389548778534},{"word":"you","start":1059.8099,"end":1059.89,"confidence":0.9997029,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02331954427063465},{"word":"wanting","start":1059.89,"end":1060.13,"confidence":0.9979505,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.02714862115681171},{"word":"to","start":1060.13,"end":1060.21,"confidence":0.99950266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.019899070262908936},{"word":"maybe","start":1060.21,"end":1060.53,"confidence":0.98754233,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.004674561321735382},{"word":"pull","start":1060.53,"end":1060.69,"confidence":0.99956435,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":-0.0092594176530838},{"word":"out","start":1060.69,"end":1060.85,"confidence":0.54038674,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.007781259715557098},{"word":"for","start":1060.85,"end":1061.01,"confidence":0.999226,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.012612411752343178},{"word":"the","start":1061.01,"end":1061.25,"confidence":0.9986645,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0009309872984886168},{"word":"for","start":1061.25,"end":1061.49,"confidence":0.99519956,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.00178508460521698},{"word":"the","start":1061.49,"end":1061.65,"confidence":0.9991749,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005623131990432739},{"word":"motor","start":1061.65,"end":1061.89,"confidence":0.9998235,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":-0.0062957871705293655},{"word":"home","start":1061.89,"end":1062.13,"confidence":0.9963901,"punctuated_word":"home?","sentiment":"neutral","sentiment_score":-0.01627630926668644},{"word":"what","start":1062.13,"end":1062.29,"confidence":0.99509346,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.01622695103287697},{"word":"was","start":1062.29,"end":1062.45,"confidence":0.9983039,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.02124733477830887},{"word":"the","start":1062.45,"end":1062.53,"confidence":0.99641514,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01283722184598446},{"word":"cost","start":1062.53,"end":1062.9299,"confidence":0.9784848,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.009552627801895142},{"word":"it's","start":1062.9299,"end":1063.1699,"confidence":0.5512223,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.01314057782292366},{"word":"supposed","start":1063.1699,"end":1063.65,"confidence":0.94006467,"punctuated_word":"supposed","sentiment":"neutral","sentiment_score":-0.01649356074631214},{"word":"to","start":1063.65,"end":1063.73,"confidence":0.99188954,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004472032189369202},{"word":"be","start":1063.73,"end":1064.23,"confidence":0.98528254,"punctuated_word":"be?","sentiment":"neutral","sentiment_score":-0.01696828007698059},{"word":"yep","start":1069.8099,"end":1070.3099,"confidence":0.8716085,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.053594645112752914},{"word":"yep","start":1070.53,"end":1070.895,"confidence":0.7753776,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05667264387011528},{"word":"perfect","start":1080.5751,"end":1081.0751,"confidence":0.95922005,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.1964440643787384},{"word":"yep","start":1084.335,"end":1084.835,"confidence":0.9952065,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.046050071716308594},{"word":"okay","start":1084.895,"end":1085.31,"confidence":0.9956529,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03752867504954338},{"word":"so","start":1085.39,"end":1085.4701,"confidence":0.9995028,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.023437898606061935},{"word":"with","start":1085.4701,"end":1085.7101,"confidence":0.9826309,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.028628382831811905},{"word":"the","start":1085.7101,"end":1086.2101,"confidence":0.9995357,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03906470537185669},{"word":"yeah","start":1086.9901,"end":1087.4701,"confidence":0.9913572,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07853033393621445},{"word":"absolutely","start":1087.4701,"end":1087.9701,"confidence":0.9994321,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.09928585588932036},{"word":"and","start":1088.8301,"end":1089.15,"confidence":0.99704933,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.054301850497722626},{"word":"so","start":1089.15,"end":1089.31,"confidence":0.99555486,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04345341771841049},{"word":"with","start":1089.31,"end":1089.4701,"confidence":0.99819994,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.058596447110176086},{"word":"the","start":1089.4701,"end":1089.7101,"confidence":0.9997125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05724037438631058},{"word":"assets","start":1089.7101,"end":1090.1101,"confidence":0.9518522,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.028946880251169205},{"word":"to","start":1090.1101,"end":1090.27,"confidence":0.9726652,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03904169797897339},{"word":"sell","start":1090.27,"end":1090.5901,"confidence":0.9922564,"punctuated_word":"sell,","sentiment":"neutral","sentiment_score":0.016483526676893234},{"word":"is","start":1090.5901,"end":1090.67,"confidence":0.99976045,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.013334685936570168},{"word":"that","start":1090.67,"end":1090.91,"confidence":0.9997768,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.023511532694101337},{"word":"your","start":1090.91,"end":1091.2301,"confidence":0.99558556,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01421264186501503},{"word":"shares","start":1091.2301,"end":1091.63,"confidence":0.988841,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.00926339626312256},{"word":"that","start":1091.63,"end":1091.8701,"confidence":0.9991142,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.013718821108341215},{"word":"you","start":1091.8701,"end":1092.27,"confidence":0.99984944,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003826368600130081},{"word":"had","start":1092.27,"end":1092.75,"confidence":0.9941876,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.00206587091088295},{"word":"sitting","start":1092.75,"end":1093.0701,"confidence":0.99916065,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.008664920926094055},{"word":"there","start":1093.0701,"end":1093.39,"confidence":0.99966323,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.007170006632804871},{"word":"as","start":1093.39,"end":1093.63,"confidence":0.9997992,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.002799086272716522},{"word":"well","start":1093.63,"end":1094.13,"confidence":0.99925405,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":-0.0020078271627426147},{"word":"oh","start":1102.505,"end":1102.585,"confidence":0.6643231,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.03239092230796814},{"word":"right","start":1102.585,"end":1103.085,"confidence":0.9955222,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.029885806143283844},{"word":"right","start":1105.225,"end":1105.725,"confidence":0.99769306,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.0011218171566724775},{"word":"right","start":1111.065,"end":1111.565,"confidence":0.9928849,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.0203807782381773},{"word":"okay","start":1111.625,"end":1112.125,"confidence":0.99703526,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01454563532024622},{"word":"right","start":1113.945,"end":1114.345,"confidence":0.95103115,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.02614220604300499},{"word":"okay","start":1114.345,"end":1114.845,"confidence":0.99836516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.019363269209861755},{"word":"okay","start":1118.2201,"end":1118.7201,"confidence":0.99917936,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0918489396572113},{"word":"yeah","start":1118.8601,"end":1119.26,"confidence":0.7167742,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2366964966058731},{"word":"beautiful","start":1119.26,"end":1119.7401,"confidence":0.99979484,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4568887948989868},{"word":"so","start":1119.7401,"end":1119.9,"confidence":0.9997243,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19292370975017548},{"word":"the","start":1119.9,"end":1120.06,"confidence":0.9994337,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23541785776615143},{"word":"jet","start":1120.06,"end":1120.3,"confidence":0.8125961,"punctuated_word":"jet","sentiment":"neutral","sentiment_score":0.2253582328557968},{"word":"skis","start":1120.3,"end":1120.7001,"confidence":0.99572855,"punctuated_word":"skis","sentiment":"neutral","sentiment_score":0.1823686957359314},{"word":"will","start":1120.7001,"end":1120.9401,"confidence":0.9995765,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2000066190958023},{"word":"go","start":1120.9401,"end":1121.4401,"confidence":0.8574184,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.193936750292778},{"word":"wow","start":1121.8201,"end":1122.3201,"confidence":0.9981482,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.1873739957809448},{"word":"and","start":1122.54,"end":1122.78,"confidence":0.9969902,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07624831795692444},{"word":"the","start":1122.78,"end":1123.28,"confidence":0.9894595,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06065472587943077},{"word":"and","start":1123.5801,"end":1123.8201,"confidence":0.9629902,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05152936652302742},{"word":"the","start":1123.8201,"end":1124.06,"confidence":0.99929893,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08214886486530304},{"word":"trailer","start":1124.06,"end":1124.56,"confidence":0.9880236,"punctuated_word":"trailer.","sentiment":"neutral","sentiment_score":0.051191460341215134},{"word":"no","start":1126.7001,"end":1126.9401,"confidence":0.9977217,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13408583402633667},{"word":"that's","start":1126.9401,"end":1127.26,"confidence":0.9995754,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.04944454878568649},{"word":"okay","start":1127.26,"end":1127.66,"confidence":0.99866116,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.04533053934574127},{"word":"all","start":1127.66,"end":1127.9,"confidence":0.99906546,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4860498011112213},{"word":"good","start":1127.9,"end":1128.06,"confidence":0.99914587,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.43316319584846497},{"word":"and","start":1128.06,"end":1128.14,"confidence":0.9979342,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05535145103931427},{"word":"the","start":1128.14,"end":1128.38,"confidence":0.9994186,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.041845954954624176},{"word":"motor","start":1128.38,"end":1128.6201,"confidence":0.9965126,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.06581398099660873},{"word":"home","start":1128.6201,"end":1128.78,"confidence":0.7992017,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":0.01987353339791298},{"word":"is","start":1128.78,"end":1128.9401,"confidence":0.99943346,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.003783874213695526},{"word":"it","start":1128.9401,"end":1129.1001,"confidence":0.98511165,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.006257824599742889},{"word":"more","start":1129.1001,"end":1129.26,"confidence":0.9996704,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.002307133749127388},{"word":"of","start":1129.26,"end":1129.3401,"confidence":0.99945647,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.005104602314531803},{"word":"a","start":1129.3401,"end":1129.5,"confidence":0.9991892,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012051926925778387},{"word":"caravan","start":1129.5,"end":1130.0,"confidence":0.8556577,"punctuated_word":"caravan,","sentiment":"neutral","sentiment_score":0.015665046870708466},{"word":"or","start":1130.06,"end":1130.2201,"confidence":0.9998055,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0007286788895726204},{"word":"is","start":1130.2201,"end":1130.38,"confidence":0.99924445,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.00012791156768798828},{"word":"it","start":1130.38,"end":1130.54,"confidence":0.9982767,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016169549897313118},{"word":"more","start":1130.54,"end":1130.78,"confidence":0.99953747,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.011176865547895432},{"word":"of","start":1130.78,"end":1130.9401,"confidence":0.99446636,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0191253162920475},{"word":"an","start":1130.9401,"end":1131.1001,"confidence":0.99884486,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.019755184650421143},{"word":"actual","start":1131.1001,"end":1131.5,"confidence":0.99912757,"punctuated_word":"actual","sentiment":"neutral","sentiment_score":0.021011758595705032},{"word":"motor","start":1131.5,"end":1131.7401,"confidence":0.9996804,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.026430532336235046},{"word":"home","start":1131.7401,"end":1131.975,"confidence":0.9926594,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.0077253589406609535},{"word":"which","start":1131.975,"end":1132.135,"confidence":0.9862683,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.013275590725243092},{"word":"you'll","start":1132.135,"end":1132.375,"confidence":0.90344435,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.015841227024793625},{"word":"drive","start":1132.375,"end":1132.695,"confidence":0.99971944,"punctuated_word":"drive","sentiment":"neutral","sentiment_score":0.01847880147397518},{"word":"around","start":1132.695,"end":1133.1749,"confidence":0.99228835,"punctuated_word":"around?","sentiment":"neutral","sentiment_score":0.02209817990660667},{"word":"what","start":1133.1749,"end":1133.4149,"confidence":0.99888843,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.001495150849223137},{"word":"sort","start":1133.4149,"end":1133.655,"confidence":0.9981756,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0006780922412872314},{"word":"of","start":1133.655,"end":1133.895,"confidence":0.99899274,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.002715894021093846},{"word":"thing","start":1133.895,"end":1134.215,"confidence":0.9937609,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.01006201095879078},{"word":"you're","start":1134.215,"end":1134.375,"confidence":0.9523573,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.007037550210952759},{"word":"looking","start":1134.375,"end":1134.615,"confidence":0.9998982,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.006048680283129215},{"word":"at","start":1134.615,"end":1135.115,"confidence":0.99609035,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.003581167198717594},{"word":"for","start":1135.1749,"end":1135.4149,"confidence":0.7641444,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.002929557114839554},{"word":"motor","start":1135.4149,"end":1135.655,"confidence":0.94377553,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.008869715966284275},{"word":"home","start":1135.655,"end":1135.975,"confidence":0.98236334,"punctuated_word":"home?","sentiment":"neutral","sentiment_score":0.010316714644432068},{"word":"yep","start":1135.975,"end":1136.2949,"confidence":0.96535385,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11253924667835236},{"word":"beautiful","start":1136.2949,"end":1136.775,"confidence":0.99984384,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.28199344873428345},{"word":"are","start":1136.775,"end":1136.9349,"confidence":0.99975866,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.046579960733652115},{"word":"you","start":1136.9349,"end":1137.095,"confidence":0.9999013,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06430050730705261},{"word":"gonna","start":1137.095,"end":1137.255,"confidence":0.97139794,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.06417357921600342},{"word":"be","start":1137.255,"end":1137.4149,"confidence":0.9978102,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05037631094455719},{"word":"looking","start":1137.4149,"end":1137.735,"confidence":0.9994802,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.033323854207992554},{"word":"to","start":1137.735,"end":1137.815,"confidence":0.9966742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.030137214809656143},{"word":"tow","start":1137.815,"end":1138.0549,"confidence":0.9938876,"punctuated_word":"tow","sentiment":"neutral","sentiment_score":0.031719550490379333},{"word":"a","start":1138.0549,"end":1138.135,"confidence":0.99477214,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03235970810055733},{"word":"car","start":1138.135,"end":1138.375,"confidence":0.99985266,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.03007582202553749},{"word":"on","start":1138.375,"end":1138.455,"confidence":0.9991966,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.023421503603458405},{"word":"the","start":1138.455,"end":1138.615,"confidence":0.9997137,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03785014897584915},{"word":"back","start":1138.615,"end":1138.775,"confidence":0.99157155,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.018672000616788864},{"word":"end","start":1138.775,"end":1139.015,"confidence":0.99909115,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.015592789277434347},{"word":"of","start":1139.015,"end":1139.1749,"confidence":0.9996735,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01837833411991596},{"word":"that","start":1139.1749,"end":1139.4149,"confidence":0.999944,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029322301968932152},{"word":"or","start":1139.4149,"end":1139.9149,"confidence":0.8388303,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0012147407978773117},{"word":"just","start":1140.135,"end":1140.375,"confidence":0.99963176,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05536637827754021},{"word":"take","start":1140.375,"end":1140.615,"confidence":0.99955875,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.03565936163067818},{"word":"it","start":1140.615,"end":1140.855,"confidence":0.99593556,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04247378557920456},{"word":"and","start":1140.855,"end":1141.015,"confidence":0.5741966,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.032626934349536896},{"word":"go","start":1141.015,"end":1141.255,"confidence":0.96619624,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":-0.009122954681515694},{"word":"no","start":1141.255,"end":1141.655,"confidence":0.7782178,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05508696287870407},{"word":"that's","start":1141.655,"end":1141.975,"confidence":0.9546784,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.029294725507497787},{"word":"okay","start":1141.975,"end":1142.475,"confidence":0.9669781,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.000952593982219696},{"word":"nice","start":1145.575,"end":1146.075,"confidence":0.9874889,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.4592008590698242},{"word":"nice","start":1146.2949,"end":1146.7949,"confidence":0.99913526,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.4791986644268036},{"word":"all","start":1147.015,"end":1147.335,"confidence":0.9751771,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5330807566642761},{"word":"good","start":1147.335,"end":1147.835,"confidence":0.9997867,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4336283206939697},{"word":"alright","start":1148.0299,"end":1148.19,"confidence":0.984512,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.15429221093654633},{"word":"well","start":1148.19,"end":1148.35,"confidence":0.99475443,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.047839853912591934},{"word":"let's","start":1148.35,"end":1148.59,"confidence":0.9986422,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.03873287886381149},{"word":"just","start":1148.59,"end":1148.9099,"confidence":0.99021274,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.024951569736003876},{"word":"update","start":1148.9099,"end":1149.23,"confidence":0.99967825,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.04177016019821167},{"word":"the","start":1149.23,"end":1149.3899,"confidence":0.9995353,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03388958424329758},{"word":"assets","start":1149.3899,"end":1149.63,"confidence":0.9989104,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.0296701155602932},{"word":"that","start":1149.63,"end":1149.7899,"confidence":0.99968076,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022890890017151833},{"word":"we","start":1149.7899,"end":1149.95,"confidence":0.99995244,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03129597753286362},{"word":"do","start":1149.95,"end":1150.11,"confidence":0.99990344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03201703354716301},{"word":"have","start":1150.11,"end":1150.2699,"confidence":0.9998178,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04346773028373718},{"word":"here","start":1150.2699,"end":1150.51,"confidence":0.99986446,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.05007475987076759},{"word":"at","start":1150.51,"end":1150.59,"confidence":0.9996655,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04755929484963417},{"word":"the","start":1150.59,"end":1150.6699,"confidence":0.9997013,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0518568716943264},{"word":"moment","start":1150.6699,"end":1151.07,"confidence":0.9998393,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.048300206661224365},{"word":"so","start":1151.07,"end":1151.3099,"confidence":0.99973065,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01748480647802353},{"word":"now","start":1151.3099,"end":1151.5499,"confidence":0.99412066,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.015442075207829475},{"word":"your","start":1151.5499,"end":1151.71,"confidence":0.9952047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.012219635769724846},{"word":"main","start":1151.71,"end":1152.0299,"confidence":0.9997546,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.02100447192788124},{"word":"primary","start":1152.0299,"end":1152.51,"confidence":0.999297,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.026820166036486626},{"word":"residence","start":1152.51,"end":1152.9099,"confidence":0.96990496,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.019991397857666016},{"word":"there","start":1152.9099,"end":1153.1499,"confidence":0.96298313,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.012582724913954737},{"word":"the","start":1153.1499,"end":1153.3099,"confidence":0.99983585,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015177546069025992},{"word":"last","start":1153.3099,"end":1153.71,"confidence":0.9998369,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.007641291245818138},{"word":"valuation","start":1153.71,"end":1154.21,"confidence":0.9583711,"punctuated_word":"valuation","sentiment":"neutral","sentiment_score":0.013007096946239471},{"word":"we","start":1154.35,"end":1154.51,"confidence":0.9994698,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.011478161439299583},{"word":"had","start":1154.51,"end":1154.75,"confidence":0.9994816,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.00941990688443184},{"word":"on","start":1154.75,"end":1154.99,"confidence":0.9998658,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.015617428347468376},{"word":"that","start":1154.99,"end":1155.47,"confidence":0.99891627,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014990204945206642},{"word":"was","start":1155.47,"end":1155.97,"confidence":0.9990306,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.008912822231650352},{"word":"i","start":1157.1499,"end":1157.3099,"confidence":0.9957131,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.011205514892935751},{"word":"had","start":1157.3099,"end":1157.5499,"confidence":0.9984944,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.007493320852518082},{"word":"two","start":1157.5499,"end":1157.7899,"confidence":0.998767,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.008756594732403755},{"word":"different","start":1157.7899,"end":1158.11,"confidence":0.99991465,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.002381201833486557},{"word":"valuations","start":1158.11,"end":1158.61,"confidence":0.98132616,"punctuated_word":"valuations.","sentiment":"neutral","sentiment_score":0.00695450184866786},{"word":"so","start":1158.75,"end":1158.99,"confidence":0.96317,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.01430576667189598},{"word":"scott","start":1158.99,"end":1159.23,"confidence":0.99872446,"punctuated_word":"Scott,","sentiment":"neutral","sentiment_score":0.017210181802511215},{"word":"on","start":1159.23,"end":1159.3899,"confidence":0.99973005,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.017025530338287354},{"word":"yours","start":1159.3899,"end":1159.71,"confidence":0.99261177,"punctuated_word":"yours,","sentiment":"neutral","sentiment_score":0.01970130018889904},{"word":"i","start":1159.71,"end":1159.965,"confidence":0.9973609,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021542858332395554},{"word":"had","start":1160.9249,"end":1161.1649,"confidence":0.9992968,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.017159540206193924},{"word":"1.5","start":1161.1649,"end":1162.225,"confidence":0.9576872,"punctuated_word":"1.5","sentiment":"neutral","sentiment_score":0.01629853993654251},{"word":"mil","start":1162.2849,"end":1162.7849,"confidence":0.80752087,"punctuated_word":"mil,","sentiment":"neutral","sentiment_score":0.019497795030474663},{"word":"and","start":1163.645,"end":1163.8049,"confidence":0.9985972,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013251254335045816},{"word":"the","start":1163.8049,"end":1163.965,"confidence":0.9997191,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01610025390982628},{"word":"other","start":1163.965,"end":1164.205,"confidence":0.9999628,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.00843149982392788},{"word":"one","start":1164.205,"end":1164.605,"confidence":0.8695411,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.006952348630875349},{"word":"i","start":1164.605,"end":1164.845,"confidence":0.99989176,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.011036630719900131},{"word":"had","start":1164.845,"end":1165.345,"confidence":0.9998903,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.011342068202793598},{"word":"2.8","start":1165.485,"end":1166.2849,"confidence":0.99294657,"punctuated_word":"2.8","sentiment":"neutral","sentiment_score":0.013935798779129982},{"word":"mil","start":1166.2849,"end":1166.605,"confidence":0.9975729,"punctuated_word":"mil.","sentiment":"neutral","sentiment_score":0.012950161471962929},{"word":"how","start":1166.605,"end":1166.845,"confidence":0.99956566,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.005530986003577709},{"word":"much","start":1166.845,"end":1167.085,"confidence":0.99984336,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.007810822688043117},{"word":"do","start":1167.085,"end":1167.245,"confidence":0.9996331,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.004574686288833618},{"word":"you","start":1167.245,"end":1167.485,"confidence":0.99981254,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0148361474275589},{"word":"value","start":1167.485,"end":1167.8049,"confidence":0.99934477,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.012087838724255562},{"word":"the","start":1167.8049,"end":1167.965,"confidence":0.99184096,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012959334999322891},{"word":"property","start":1167.965,"end":1168.365,"confidence":0.99246573,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.02514139749109745},{"word":"at","start":1168.365,"end":1168.525,"confidence":0.982426,"punctuated_word":"at?","sentiment":"neutral","sentiment_score":0.0035296687856316566},{"word":"how","start":1168.525,"end":1168.765,"confidence":0.99949276,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.008414172567427158},{"word":"much","start":1168.765,"end":1168.9249,"confidence":0.9993711,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.007864944636821747},{"word":"would","start":1168.9249,"end":1169.085,"confidence":0.99929285,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.007514772936701775},{"word":"it","start":1169.085,"end":1169.245,"confidence":0.99785835,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01628011465072632},{"word":"be","start":1169.245,"end":1169.325,"confidence":0.9997135,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.007262080907821655},{"word":"valued","start":1169.325,"end":1169.645,"confidence":0.99947697,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":-0.00006946735084056854},{"word":"at","start":1169.645,"end":1169.885,"confidence":0.80323464,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.002483641728758812},{"word":"for","start":1169.885,"end":1170.0449,"confidence":0.97348446,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0010237004607915878},{"word":"you","start":1170.0449,"end":1170.5449,"confidence":0.99971783,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.00117542315274477},{"word":"yep","start":1179.02,"end":1179.52,"confidence":0.8971635,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023979507386684418},{"word":"did","start":1179.66,"end":1179.82,"confidence":0.79701436,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.007658367976546288},{"word":"you","start":1179.82,"end":1179.98,"confidence":0.99868363,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010243014432489872},{"word":"want","start":1179.98,"end":1180.14,"confidence":0.9948495,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0011289454996585846},{"word":"me","start":1180.14,"end":1180.22,"confidence":0.9939996,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.004016119986772537},{"word":"to","start":1180.22,"end":1180.2999,"confidence":0.96640676,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0011468883603811264},{"word":"put","start":1180.2999,"end":1180.46,"confidence":0.9984633,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.0031402409076690674},{"word":"2","start":1180.46,"end":1180.62,"confidence":0.9839153,"punctuated_word":"2","sentiment":"neutral","sentiment_score":0.0008911294862627983},{"word":"mil","start":1180.62,"end":1180.86,"confidence":0.81831884,"punctuated_word":"mil","sentiment":"neutral","sentiment_score":-0.00015886686742305756},{"word":"on","start":1180.86,"end":1181.02,"confidence":0.9781361,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.003132936544716358},{"word":"it","start":1181.02,"end":1181.1799,"confidence":0.7136296,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.0003923317417502403},{"word":"1.9","start":1181.1799,"end":1181.82,"confidence":0.98689383,"punctuated_word":"1.9?","sentiment":"neutral","sentiment_score":-0.000561563647352159},{"word":"what","start":1181.82,"end":1182.0599,"confidence":0.97202796,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.005758265033364296},{"word":"do","start":1182.0599,"end":1182.1399,"confidence":0.35770237,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0015365052968263626},{"word":"you","start":1182.1399,"end":1182.22,"confidence":0.9589838,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007617355324327946},{"word":"are","start":1182.38,"end":1182.54,"confidence":0.99711514,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0022020861506462097},{"word":"you","start":1182.54,"end":1182.7,"confidence":0.9944833,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00464470311999321},{"word":"comfortable","start":1182.7,"end":1183.1,"confidence":0.9940435,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.010834306478500366},{"word":"with","start":1183.1,"end":1183.6,"confidence":0.9737191,"punctuated_word":"with?","sentiment":"neutral","sentiment_score":0.018483608961105347},{"word":"two","start":1183.98,"end":1184.22,"confidence":0.49757707,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":0.02030612714588642},{"word":"is","start":1184.22,"end":1184.2999,"confidence":0.34858045,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04824841395020485},{"word":"fine","start":1184.2999,"end":1184.7999,"confidence":0.79424834,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.06308875977993011},{"word":"yep","start":1185.02,"end":1185.52,"confidence":0.93586254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.043829113245010376},{"word":"fine","start":1185.825,"end":1185.945,"confidence":0.5640594,"punctuated_word":"Fine?","sentiment":"neutral","sentiment_score":0.06971628963947296},{"word":"yep","start":1185.945,"end":1186.065,"confidence":0.9510939,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09422209113836288},{"word":"absolutely","start":1186.065,"end":1186.4249,"confidence":0.92325765,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.2859220504760742},{"word":"all","start":1186.4249,"end":1186.7849,"confidence":0.9274194,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3894204497337342},{"word":"good","start":1186.7849,"end":1187.2849,"confidence":0.9965223,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.29918375611305237},{"word":"and","start":1188.065,"end":1188.3049,"confidence":0.7355968,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1511634886264801},{"word":"then","start":1188.3049,"end":1188.465,"confidence":0.99925834,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11681815981864928},{"word":"i've","start":1188.465,"end":1188.705,"confidence":0.9995972,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.12423604726791382},{"word":"got","start":1188.705,"end":1188.945,"confidence":0.9997415,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.12128105759620668},{"word":"the","start":1188.945,"end":1189.105,"confidence":0.9984211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06369491666555405},{"word":"loan","start":1189.105,"end":1189.4249,"confidence":0.9981725,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.06768443435430527},{"word":"information","start":1189.4249,"end":1189.9249,"confidence":0.99942493,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.06978649646043777},{"word":"here","start":1189.985,"end":1190.3049,"confidence":0.82220066,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.08450527489185333},{"word":"so","start":1190.3049,"end":1190.5449,"confidence":0.9993074,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.097245991230011},{"word":"i'll","start":1190.5449,"end":1190.625,"confidence":0.9992073,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09804924577474594},{"word":"just","start":1190.625,"end":1190.945,"confidence":0.9967643,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1378077119588852},{"word":"update","start":1190.945,"end":1191.345,"confidence":0.9995407,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.10554438829421996},{"word":"that","start":1191.345,"end":1191.585,"confidence":0.9990445,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1279560923576355},{"word":"here","start":1191.585,"end":1191.825,"confidence":0.9993555,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.11628350615501404},{"word":"as","start":1191.825,"end":1191.985,"confidence":0.9995252,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09824604541063307},{"word":"well","start":1191.985,"end":1192.485,"confidence":0.99955326,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08862023055553436},{"word":"beautiful","start":1192.625,"end":1193.125,"confidence":0.993204,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.30152595043182373},{"word":"offset's","start":1194.465,"end":1194.965,"confidence":0.8136313,"punctuated_word":"Offset's","sentiment":"neutral","sentiment_score":0.09872767329216003},{"word":"all","start":1195.105,"end":1195.345,"confidence":0.99582666,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.11078181862831116},{"word":"covered","start":1195.345,"end":1195.845,"confidence":0.9967816,"punctuated_word":"covered.","sentiment":"neutral","sentiment_score":0.07697993516921997},{"word":"other","start":1196.465,"end":1196.7849,"confidence":0.98072904,"punctuated_word":"Other","sentiment":"neutral","sentiment_score":0.031967099756002426},{"word":"assets","start":1196.7849,"end":1197.1849,"confidence":0.9981494,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.02408566325902939},{"word":"noted","start":1197.1849,"end":1197.505,"confidence":0.99806136,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.03575549274682999},{"word":"down","start":1197.505,"end":1197.745,"confidence":0.99634415,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.026405546814203262},{"word":"that","start":1197.745,"end":1197.9049,"confidence":0.35249308,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015009814873337746},{"word":"we","start":1197.9049,"end":1198.1449,"confidence":0.9972031,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02141578495502472},{"word":"had","start":1198.1449,"end":1198.6449,"confidence":0.9829705,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.02429097704589367},{"word":"the","start":1198.705,"end":1199.1849,"confidence":0.80293375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0225578211247921},{"word":"motor","start":1199.1849,"end":1199.6649,"confidence":0.99161327,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.0251077339053154},{"word":"vehicles","start":1199.6649,"end":1200.1449,"confidence":0.78549415,"punctuated_word":"vehicles.","sentiment":"neutral","sentiment_score":0.02025153487920761},{"word":"i","start":1200.1449,"end":1200.51,"confidence":0.9808358,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.018718667328357697},{"word":"had","start":1200.59,"end":1200.67,"confidence":0.908287,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.01722048781812191},{"word":"them","start":1200.67,"end":1200.91,"confidence":0.9956927,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.024066783487796783},{"word":"noted","start":1200.91,"end":1201.41,"confidence":0.99958354,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.019450681284070015},{"word":"as","start":1201.47,"end":1201.79,"confidence":0.99975413,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.020179085433483124},{"word":"two","start":1201.79,"end":1202.03,"confidence":0.9946095,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.018532969057559967},{"word":"motor","start":1202.03,"end":1202.35,"confidence":0.99956995,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.017408156767487526},{"word":"vehicles","start":1202.35,"end":1202.85,"confidence":0.99800587,"punctuated_word":"vehicles.","sentiment":"neutral","sentiment_score":0.018365321680903435},{"word":"one","start":1203.87,"end":1204.03,"confidence":0.7149094,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.02299901656806469},{"word":"of","start":1204.03,"end":1204.1901,"confidence":0.9998288,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.020709484815597538},{"word":"those","start":1204.1901,"end":1204.67,"confidence":0.97136676,"punctuated_word":"those,","sentiment":"neutral","sentiment_score":0.02425474114716053},{"word":"i","start":1204.67,"end":1204.83,"confidence":0.99987626,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.026250090450048447},{"word":"believe","start":1204.83,"end":1205.15,"confidence":0.9871315,"punctuated_word":"believe,","sentiment":"neutral","sentiment_score":0.021088287234306335},{"word":"is","start":1205.15,"end":1205.39,"confidence":0.99922824,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01947055011987686},{"word":"a","start":1205.39,"end":1205.63,"confidence":0.8253117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.029100829735398293},{"word":"tesla","start":1205.63,"end":1206.13,"confidence":0.99050367,"punctuated_word":"Tesla.","sentiment":"neutral","sentiment_score":0.032640278339385986},{"word":"is","start":1206.1901,"end":1206.35,"confidence":0.99965525,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03081412613391876},{"word":"that","start":1206.35,"end":1206.59,"confidence":0.9999502,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03654314577579498},{"word":"right","start":1206.59,"end":1207.09,"confidence":0.9998839,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.029876764863729477},{"word":"yep","start":1208.67,"end":1209.17,"confidence":0.8671565,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.015020132064819336},{"word":"lovely","start":1210.35,"end":1210.85,"confidence":0.9977906,"punctuated_word":"Lovely.","sentiment":"neutral","sentiment_score":0.06510947644710541},{"word":"how","start":1212.685,"end":1212.845,"confidence":0.9743438,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.002537917345762253},{"word":"much","start":1212.845,"end":1213.005,"confidence":0.9980252,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.0033451132476329803},{"word":"are","start":1213.005,"end":1213.0851,"confidence":0.98578763,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0054540690034627914},{"word":"you","start":1213.0851,"end":1213.3251,"confidence":0.9995497,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005121335387229919},{"word":"trying","start":1213.3251,"end":1213.5651,"confidence":0.98733646,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.007731564342975616},{"word":"to","start":1213.5651,"end":1213.645,"confidence":0.9983827,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011225799098610878},{"word":"sell","start":1213.645,"end":1213.885,"confidence":0.999433,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.004605896770954132},{"word":"it","start":1213.885,"end":1214.045,"confidence":0.9987796,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.008731575682759285},{"word":"for","start":1214.045,"end":1214.2051,"confidence":0.9905602,"punctuated_word":"for?","sentiment":"neutral","sentiment_score":0.001386214978992939},{"word":"what","start":1214.2051,"end":1214.365,"confidence":0.99380314,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.0020550042390823364},{"word":"sort","start":1214.365,"end":1214.605,"confidence":0.5735134,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.003923622891306877},{"word":"of","start":1214.605,"end":1214.685,"confidence":0.98718333,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0014354176819324491},{"word":"value","start":1214.685,"end":1215.0851,"confidence":0.8931684,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.008937137201428413},{"word":"you","start":1215.0851,"end":1215.245,"confidence":0.349834,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0027617421001195908},{"word":"got","start":1215.245,"end":1215.405,"confidence":0.97986674,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.00429421104490757},{"word":"on","start":1215.405,"end":1215.5651,"confidence":0.9996159,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0033814217895269394},{"word":"it","start":1215.5651,"end":1216.0651,"confidence":0.99767923,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.0025685448199510574},{"word":"yep","start":1219.885,"end":1220.365,"confidence":0.969283,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08522187173366547},{"word":"beautiful","start":1220.365,"end":1220.865,"confidence":0.99629664,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.2314339578151703},{"word":"and","start":1220.925,"end":1221.0851,"confidence":0.99812204,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06334100663661957},{"word":"that","start":1221.0851,"end":1221.245,"confidence":0.99899215,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.056510597467422485},{"word":"vehicle","start":1221.245,"end":1221.645,"confidence":0.98095965,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.058196909725666046},{"word":"is","start":1221.645,"end":1221.805,"confidence":0.5017215,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03932134807109833},{"word":"owned","start":1221.805,"end":1222.045,"confidence":0.9607052,"punctuated_word":"owned","sentiment":"neutral","sentiment_score":0.04969216138124466},{"word":"completely","start":1222.045,"end":1222.525,"confidence":0.990369,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.04225608706474304},{"word":"outright","start":1222.525,"end":1222.925,"confidence":0.91554016,"punctuated_word":"outright.","sentiment":"neutral","sentiment_score":0.011337555944919586},{"word":"no","start":1222.925,"end":1223.165,"confidence":0.99615,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.06376241147518158},{"word":"loans","start":1223.165,"end":1223.485,"confidence":0.98584425,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":-0.1016169935464859},{"word":"on","start":1223.485,"end":1223.645,"confidence":0.9820984,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07309933006763458},{"word":"it","start":1223.645,"end":1223.805,"confidence":0.9743827,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07025973498821259},{"word":"at","start":1223.805,"end":1223.965,"confidence":0.97662747,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10706513375043868},{"word":"all","start":1223.965,"end":1224.465,"confidence":0.8993329,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.09107676893472672},{"word":"yep","start":1226.525,"end":1227.005,"confidence":0.92666143,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08959716558456421},{"word":"perfect","start":1227.005,"end":1227.45,"confidence":0.9094397,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3373287320137024},{"word":"excellent","start":1227.85,"end":1228.35,"confidence":0.9982425,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.33044353127479553},{"word":"so","start":1228.49,"end":1228.73,"confidence":0.8007358,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1398540586233139},{"word":"55","start":1228.73,"end":1229.45,"confidence":0.98627204,"punctuated_word":"55","sentiment":"neutral","sentiment_score":0.1392204314470291},{"word":"there","start":1229.45,"end":1229.95,"confidence":0.9943227,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.14610032737255096},{"word":"i","start":1230.33,"end":1230.57,"confidence":0.66786355,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08879696577787399},{"word":"also","start":1230.57,"end":1230.8899,"confidence":0.99956304,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08618142455816269},{"word":"have","start":1230.8899,"end":1231.21,"confidence":0.9751604,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0526331402361393},{"word":"down","start":1231.21,"end":1231.5299,"confidence":0.96810514,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.07272805273532867},{"word":"here","start":1231.5299,"end":1232.01,"confidence":0.99168104,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.06370978057384491},{"word":"the","start":1232.01,"end":1232.49,"confidence":0.995542,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07181495428085327},{"word":"byd","start":1232.49,"end":1232.99,"confidence":0.9984176,"punctuated_word":"BYD","sentiment":"neutral","sentiment_score":0.08517639338970184},{"word":"shark","start":1233.2899,"end":1233.7899,"confidence":0.759471,"punctuated_word":"Shark","sentiment":"neutral","sentiment_score":0.12736232578754425},{"word":"with","start":1234.25,"end":1234.4099,"confidence":0.9020373,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08447602391242981},{"word":"an","start":1234.4099,"end":1234.57,"confidence":0.9993812,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07173831760883331},{"word":"asset","start":1234.57,"end":1234.97,"confidence":0.99871516,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.05856829881668091},{"word":"value","start":1234.97,"end":1235.37,"confidence":0.9987477,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.041032157838344574},{"word":"of","start":1235.37,"end":1235.45,"confidence":0.99754107,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0507371798157692},{"word":"50,000","start":1235.45,"end":1236.1699,"confidence":0.998471,"punctuated_word":"50,000.","sentiment":"neutral","sentiment_score":0.04808780550956726},{"word":"do","start":1236.1699,"end":1236.33,"confidence":0.9993851,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.042446568608284},{"word":"you","start":1236.33,"end":1236.49,"confidence":0.99992895,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0528460368514061},{"word":"still","start":1236.49,"end":1236.73,"confidence":0.9999393,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03213207423686981},{"word":"have","start":1236.73,"end":1236.97,"confidence":0.9999083,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.042807139456272125},{"word":"that","start":1236.97,"end":1237.21,"confidence":0.9998392,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03707486391067505},{"word":"vehicle","start":1237.21,"end":1237.71,"confidence":0.99973476,"punctuated_word":"vehicle?","sentiment":"neutral","sentiment_score":0.029763802886009216},{"word":"yep","start":1239.5299,"end":1239.9299,"confidence":0.9146669,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10390578955411912},{"word":"beautiful","start":1239.9299,"end":1240.4299,"confidence":0.9995059,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3798585534095764},{"word":"would","start":1240.875,"end":1241.035,"confidence":0.99853396,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.06091589480638504},{"word":"you","start":1241.035,"end":1241.275,"confidence":0.99945515,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05749764293432236},{"word":"value","start":1241.275,"end":1241.595,"confidence":0.9990791,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.051388442516326904},{"word":"it","start":1241.595,"end":1241.755,"confidence":0.93433386,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07468126714229584},{"word":"the","start":1241.755,"end":1241.835,"confidence":0.9984831,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04473398998379707},{"word":"same","start":1241.835,"end":1242.155,"confidence":0.92140895,"punctuated_word":"same,","sentiment":"neutral","sentiment_score":0.025154534727334976},{"word":"or","start":1242.155,"end":1242.3151,"confidence":0.99965787,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02335122413933277},{"word":"do","start":1242.3151,"end":1242.395,"confidence":0.99970716,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.004850931465625763},{"word":"you","start":1242.395,"end":1242.555,"confidence":0.99981624,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00814017653465271},{"word":"think","start":1242.555,"end":1242.795,"confidence":0.9997409,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.007723413407802582},{"word":"you'd","start":1242.795,"end":1243.115,"confidence":0.99730027,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.011768830940127373},{"word":"change","start":1243.115,"end":1243.355,"confidence":0.9951015,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.008028339594602585},{"word":"that","start":1243.355,"end":1243.595,"confidence":0.99916446,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.023833997547626495},{"word":"valuation","start":1243.595,"end":1244.095,"confidence":0.99566424,"punctuated_word":"valuation?","sentiment":"neutral","sentiment_score":0.009252483025193214},{"word":"50","start":1246.955,"end":1247.455,"confidence":0.93957275,"punctuated_word":"50","sentiment":"neutral","sentiment_score":-0.01128336600959301},{"word":"55","start":1249.835,"end":1250.3151,"confidence":0.66922915,"punctuated_word":"55,","sentiment":"neutral","sentiment_score":-0.008550821803510189},{"word":"you","start":1250.3151,"end":1250.475,"confidence":0.99890244,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.016077758744359016},{"word":"said","start":1250.475,"end":1250.715,"confidence":0.7482323,"punctuated_word":"said.","sentiment":"neutral","sentiment_score":-0.0127333365380764},{"word":"sorry","start":1250.715,"end":1251.115,"confidence":0.79793537,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.033007144927978516},{"word":"is","start":1251.115,"end":1251.275,"confidence":0.9985556,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.016833115369081497},{"word":"that","start":1251.275,"end":1251.515,"confidence":0.99981695,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0140202846378088},{"word":"right","start":1251.515,"end":1252.015,"confidence":0.99949133,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":-0.010004492476582527},{"word":"yep","start":1252.635,"end":1253.115,"confidence":0.9637203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08606302738189697},{"word":"beautiful","start":1253.115,"end":1253.615,"confidence":0.9991529,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4046200215816498},{"word":"excellent","start":1253.755,"end":1254.255,"confidence":0.996655,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4485401511192322},{"word":"and","start":1254.395,"end":1254.795,"confidence":0.99777526,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1926548182964325},{"word":"no","start":1254.795,"end":1255.035,"confidence":0.9834451,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.08597022294998169},{"word":"debt","start":1255.035,"end":1255.275,"confidence":0.97279245,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.023416250944137573},{"word":"on","start":1255.275,"end":1255.435,"confidence":0.99671316,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05227581039071083},{"word":"that","start":1255.435,"end":1255.595,"confidence":0.9964457,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09451739490032196},{"word":"one","start":1255.595,"end":1256.01,"confidence":0.9862213,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06004719436168671},{"word":"completely","start":1256.25,"end":1256.5701,"confidence":0.8036349,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.010658111423254011},{"word":"outright","start":1256.5701,"end":1257.05,"confidence":0.9799653,"punctuated_word":"outright","sentiment":"neutral","sentiment_score":-0.007976118475198746},{"word":"as","start":1257.05,"end":1257.21,"confidence":0.9995372,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06660860776901245},{"word":"well","start":1257.21,"end":1257.71,"confidence":0.88377917,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.06472807377576828},{"word":"okay","start":1259.85,"end":1260.09,"confidence":0.9968133,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.021290484815835953},{"word":"how","start":1260.09,"end":1260.25,"confidence":0.99952996,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.022173982113599777},{"word":"much","start":1260.25,"end":1260.49,"confidence":0.9997999,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.03599411994218826},{"word":"do","start":1260.49,"end":1260.65,"confidence":0.86483634,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03618088364601135},{"word":"we","start":1260.65,"end":1260.81,"confidence":0.99658066,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02537333592772484},{"word":"owe","start":1260.81,"end":1261.05,"confidence":0.99906415,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":-0.02910425141453743},{"word":"on","start":1261.05,"end":1261.13,"confidence":0.99784815,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0304535124450922},{"word":"that","start":1261.13,"end":1261.29,"confidence":0.9997993,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.034533776342868805},{"word":"one","start":1261.29,"end":1261.79,"confidence":0.9995564,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":-0.05712971091270447},{"word":"43,000","start":1277.6549,"end":1278.715,"confidence":0.9269769,"punctuated_word":"43,000.","sentiment":"neutral","sentiment_score":0.02830678783357143},{"word":"excellent","start":1278.855,"end":1279.355,"confidence":0.9988516,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.37614548206329346},{"word":"beautiful","start":1279.575,"end":1280.075,"confidence":0.99963045,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5262329578399658},{"word":"let's","start":1280.215,"end":1280.455,"confidence":0.9981325,"punctuated_word":"Let's","sentiment":"positive","sentiment_score":0.385206401348114},{"word":"pop","start":1280.455,"end":1280.695,"confidence":0.9389925,"punctuated_word":"pop","sentiment":"positive","sentiment_score":0.47527241706848145},{"word":"that","start":1280.695,"end":1280.855,"confidence":0.99911124,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3940753638744354},{"word":"in","start":1280.855,"end":1281.095,"confidence":0.99909985,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.33687469363212585},{"word":"there","start":1281.095,"end":1281.595,"confidence":0.9872041,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.31896674633026123},{"word":"fantastic","start":1282.7749,"end":1283.2749,"confidence":0.99731886,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.44436562061309814},{"word":"and","start":1283.6599,"end":1283.74,"confidence":0.9297249,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11813067644834518},{"word":"then","start":1283.74,"end":1283.8999,"confidence":0.9981792,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10956858843564989},{"word":"we","start":1283.8999,"end":1283.98,"confidence":0.99704933,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09912240505218506},{"word":"have","start":1283.98,"end":1284.0599,"confidence":0.9910561,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11076558381319046},{"word":"the","start":1284.0599,"end":1284.2999,"confidence":0.99858165,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11516378819942474},{"word":"two","start":1284.2999,"end":1284.5399,"confidence":0.989938,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0987628847360611},{"word":"jet","start":1284.5399,"end":1284.7799,"confidence":0.7653427,"punctuated_word":"jet","sentiment":"neutral","sentiment_score":0.11963159590959548},{"word":"skis","start":1284.7799,"end":1285.1,"confidence":0.95189977,"punctuated_word":"skis,","sentiment":"neutral","sentiment_score":0.06989918649196625},{"word":"which","start":1285.1,"end":1285.4199,"confidence":0.9999051,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.08959311246871948},{"word":"will","start":1285.4199,"end":1285.6599,"confidence":0.9997087,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08359262347221375},{"word":"be","start":1285.6599,"end":1285.8999,"confidence":0.9997142,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09598620235919952},{"word":"sold","start":1285.8999,"end":1286.22,"confidence":0.9986104,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":0.0865870788693428},{"word":"down","start":1286.22,"end":1286.5399,"confidence":0.9998615,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08930132538080215},{"word":"the","start":1286.5399,"end":1286.7,"confidence":0.9987463,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11623988300561904},{"word":"track","start":1286.7,"end":1287.0199,"confidence":0.9927978,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.10475916415452956},{"word":"here","start":1287.0199,"end":1287.5199,"confidence":0.9362085,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.10707049816846848},{"word":"but","start":1288.7799,"end":1289.1799,"confidence":0.7780528,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0049042534083127975},{"word":"what","start":1289.1799,"end":1289.6799,"confidence":0.9916909,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.002537330612540245},{"word":"sort","start":1289.82,"end":1290.0599,"confidence":0.95467675,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0022787190973758698},{"word":"of","start":1290.0599,"end":1290.2999,"confidence":0.98802805,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0013710875064134598},{"word":"valuation","start":1290.2999,"end":1290.7999,"confidence":0.97135913,"punctuated_word":"valuation","sentiment":"neutral","sentiment_score":0.004166636615991592},{"word":"would","start":1291.0199,"end":1291.1799,"confidence":0.9996803,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.011274268850684166},{"word":"you","start":1291.1799,"end":1291.34,"confidence":0.99983346,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006342923268675804},{"word":"put","start":1291.34,"end":1291.5,"confidence":0.99992657,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.011465242132544518},{"word":"on","start":1291.5,"end":1291.6599,"confidence":0.99949193,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0027189571410417557},{"word":"both","start":1291.6599,"end":1291.8999,"confidence":0.9974005,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.0002371855080127716},{"word":"those","start":1291.8999,"end":1292.14,"confidence":0.92456,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.008999336510896683},{"word":"jet","start":1292.14,"end":1292.38,"confidence":0.99114436,"punctuated_word":"jet","sentiment":"neutral","sentiment_score":0.01596624031662941},{"word":"skis","start":1292.38,"end":1292.7799,"confidence":0.9995471,"punctuated_word":"skis","sentiment":"neutral","sentiment_score":0.0031778384000062943},{"word":"currently","start":1292.7799,"end":1293.2799,"confidence":0.9961566,"punctuated_word":"currently?","sentiment":"neutral","sentiment_score":-0.005823764018714428},{"word":"mhmm","start":1297.4199,"end":1297.695,"confidence":0.9518318,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0023001041263341904},{"word":"yep","start":1301.615,"end":1302.095,"confidence":0.9345211,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06561572849750519},{"word":"beautiful","start":1302.095,"end":1302.595,"confidence":0.99829197,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.25987759232521057},{"word":"lovely","start":1303.0549,"end":1303.5549,"confidence":0.99630857,"punctuated_word":"Lovely.","sentiment":"neutral","sentiment_score":0.2652457058429718},{"word":"and","start":1303.615,"end":1303.855,"confidence":0.99460113,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08182059228420258},{"word":"they're","start":1303.855,"end":1304.1749,"confidence":0.7969724,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.07529225945472717},{"word":"earned","start":1304.1749,"end":1304.4149,"confidence":0.7623839,"punctuated_word":"earned","sentiment":"neutral","sentiment_score":0.0768156349658966},{"word":"out","start":1304.4149,"end":1304.6549,"confidence":0.5924113,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.04501086473464966},{"word":"right","start":1304.6549,"end":1304.8949,"confidence":0.9771694,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.01937844790518284},{"word":"there's","start":1304.8949,"end":1305.215,"confidence":0.9972183,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.018507860600948337},{"word":"no","start":1305.215,"end":1305.715,"confidence":0.99791783,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.02390575036406517},{"word":"loans","start":1306.1749,"end":1306.575,"confidence":0.63187534,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":-0.03449432551860809},{"word":"on","start":1306.575,"end":1306.735,"confidence":0.98516244,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03906567394733429},{"word":"those","start":1306.735,"end":1307.235,"confidence":0.9562262,"punctuated_word":"those?","sentiment":"neutral","sentiment_score":-0.03451250120997429},{"word":"nope","start":1308.815,"end":1309.2949,"confidence":0.76637125,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.008073650300502777},{"word":"beautiful","start":1309.2949,"end":1309.7949,"confidence":0.99595183,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.09312541782855988},{"word":"and","start":1309.9349,"end":1310.095,"confidence":0.9830739,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02679242566227913},{"word":"the","start":1310.095,"end":1310.255,"confidence":0.98652387,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028042729943990707},{"word":"55","start":1310.255,"end":1310.735,"confidence":0.9777515,"punctuated_word":"55","sentiment":"neutral","sentiment_score":0.03133976086974144},{"word":"is","start":1310.735,"end":1310.975,"confidence":0.92965394,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.019717855378985405},{"word":"for","start":1310.975,"end":1311.0549,"confidence":0.7642798,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02349256351590157},{"word":"the","start":1311.0549,"end":1311.1349,"confidence":0.97981524,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03440557420253754},{"word":"two","start":1311.1349,"end":1311.375,"confidence":0.95054185,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.027797389775514603},{"word":"jet","start":1311.375,"end":1311.615,"confidence":0.81901014,"punctuated_word":"jet","sentiment":"neutral","sentiment_score":0.03207225352525711},{"word":"skis","start":1311.615,"end":1311.6283,"confidence":0.9982767,"punctuated_word":"skis","sentiment":"neutral","sentiment_score":0.02940862998366356},{"word":"and","start":1311.6283,"end":1311.6416,"confidence":0.8570831,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03377905115485191},{"word":"the","start":1311.6416,"end":1311.655,"confidence":0.8237134,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04385851323604584},{"word":"trailer","start":1311.655,"end":1311.6683,"confidence":0.6413196,"punctuated_word":"trailer","sentiment":"neutral","sentiment_score":0.04896792769432068},{"word":"as","start":1311.6683,"end":1311.6816,"confidence":0.74528915,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03221443295478821},{"word":"well","start":1311.6816,"end":1311.695,"confidence":0.8444915,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.032433610409498215},{"word":"yep","start":1311.695,"end":1311.945,"confidence":0.84607965,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0534476637840271},{"word":"beautiful","start":1311.945,"end":1312.445,"confidence":0.9177444,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.14415401220321655},{"word":"yep","start":1312.5,"end":1313.0,"confidence":0.7399344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0746089369058609},{"word":"beautiful","start":1314.98,"end":1315.48,"confidence":0.9800502,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.21510912477970123},{"word":"yeah","start":1316.66,"end":1317.06,"confidence":0.9127027,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1499464064836502},{"word":"may","start":1317.06,"end":1317.3,"confidence":0.6622207,"punctuated_word":"May","sentiment":"neutral","sentiment_score":0.22401323914527893},{"word":"as","start":1317.3,"end":1317.46,"confidence":0.84590745,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15522851049900055},{"word":"well","start":1317.46,"end":1317.86,"confidence":0.96217513,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1815393567085266},{"word":"that's","start":1317.86,"end":1318.26,"confidence":0.9326229,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3699927031993866},{"word":"all","start":1318.26,"end":1318.5,"confidence":0.71157163,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3839847445487976},{"word":"good","start":1318.5,"end":1319.0,"confidence":0.91861606,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.33202242851257324},{"word":"fantastic","start":1319.7,"end":1320.2,"confidence":0.9655869,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5360656976699829},{"word":"update","start":1320.58,"end":1320.98,"confidence":0.9165531,"punctuated_word":"Update","sentiment":"positive","sentiment_score":0.4336168766021729},{"word":"that","start":1320.98,"end":1321.14,"confidence":0.9323974,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3946603238582611},{"word":"for","start":1321.14,"end":1321.3,"confidence":0.94549185,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3696642816066742},{"word":"you","start":1321.3,"end":1321.46,"confidence":0.97124064,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.32259199023246765},{"word":"so","start":1321.46,"end":1321.62,"confidence":0.9650092,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2177579253911972},{"word":"i'm","start":1321.62,"end":1321.78,"confidence":0.9708168,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2037205547094345},{"word":"just","start":1321.78,"end":1321.94,"confidence":0.9827278,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19646915793418884},{"word":"updating","start":1321.94,"end":1322.34,"confidence":0.9133698,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.19143736362457275},{"word":"both","start":1322.34,"end":1322.58,"confidence":0.98324674,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.2136981338262558},{"word":"the","start":1322.58,"end":1322.74,"confidence":0.9546637,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20972564816474917},{"word":"fact","start":1322.74,"end":1322.98,"confidence":0.56311554,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":0.2050621211528778},{"word":"lines","start":1322.98,"end":1323.14,"confidence":0.23277739,"punctuated_word":"lines","sentiment":"neutral","sentiment_score":0.19758489727973935},{"word":"individually","start":1323.14,"end":1323.64,"confidence":0.9933575,"punctuated_word":"individually","sentiment":"neutral","sentiment_score":0.1965484321117401},{"word":"because","start":1323.78,"end":1324.02,"confidence":0.8432451,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.20304103195667267},{"word":"i","start":1324.02,"end":1324.18,"confidence":0.9973239,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22732585668563843},{"word":"have","start":1324.18,"end":1324.34,"confidence":0.9987747,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21516424417495728},{"word":"one","start":1324.34,"end":1324.58,"confidence":0.9980215,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.23474165797233584},{"word":"for","start":1324.58,"end":1324.74,"confidence":0.9919348,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21620263159275055},{"word":"each","start":1324.74,"end":1324.98,"confidence":0.99303716,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.2161238193511963},{"word":"of","start":1324.98,"end":1325.06,"confidence":0.996914,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23303814232349396},{"word":"you","start":1325.06,"end":1325.3,"confidence":0.7508333,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2697380781173706},{"word":"so","start":1325.3,"end":1325.38,"confidence":0.9986939,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2758617401123047},{"word":"just","start":1325.38,"end":1325.62,"confidence":0.9945374,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.32600393891334534},{"word":"making","start":1325.62,"end":1325.94,"confidence":0.99934703,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.3263642489910126},{"word":"sure","start":1325.94,"end":1326.18,"confidence":0.9981177,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.3612203896045685},{"word":"it's","start":1326.18,"end":1326.34,"confidence":0.98991346,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2954626977443695},{"word":"all","start":1326.34,"end":1326.705,"confidence":0.9857291,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2801972031593323},{"word":"good","start":1327.0249,"end":1327.1849,"confidence":0.9995189,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.23088090121746063},{"word":"across","start":1327.1849,"end":1327.585,"confidence":0.99978167,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.32346007227897644},{"word":"the","start":1327.585,"end":1327.745,"confidence":0.99759763,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2788254916667938},{"word":"board","start":1327.745,"end":1328.245,"confidence":0.99593526,"punctuated_word":"board.","sentiment":"neutral","sentiment_score":0.2457931637763977},{"word":"fantastic","start":1328.465,"end":1328.965,"confidence":0.97712004,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.3767686188220978},{"word":"i've","start":1329.985,"end":1330.1449,"confidence":0.82896733,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1801486909389496},{"word":"got","start":1330.1449,"end":1330.465,"confidence":0.9987686,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.19192224740982056},{"word":"contents","start":1330.465,"end":1330.965,"confidence":0.94298947,"punctuated_word":"contents","sentiment":"neutral","sentiment_score":0.21618534624576569},{"word":"noted","start":1331.0249,"end":1331.4249,"confidence":0.99853885,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.2104041874408722},{"word":"down","start":1331.4249,"end":1331.6649,"confidence":0.99833494,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.15397346019744873},{"word":"here","start":1331.6649,"end":1332.1449,"confidence":0.9450093,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.13059616088867188},{"word":"so","start":1332.1449,"end":1332.6449,"confidence":0.9944102,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.060422711074352264},{"word":"valuation","start":1332.705,"end":1333.205,"confidence":0.95360917,"punctuated_word":"valuation","sentiment":"neutral","sentiment_score":0.07713096588850021},{"word":"of","start":1333.265,"end":1333.505,"confidence":0.99675155,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.047604721039533615},{"word":"contents","start":1333.505,"end":1334.005,"confidence":0.930261,"punctuated_word":"contents","sentiment":"neutral","sentiment_score":0.09540580213069916},{"word":"is","start":1334.1449,"end":1334.3049,"confidence":0.9967173,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0844431221485138},{"word":"about","start":1334.3049,"end":1334.625,"confidence":0.99552506,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07696529477834702},{"word":"282,500","start":1334.625,"end":1337.1849,"confidence":0.9935505,"punctuated_word":"282,500.","sentiment":"neutral","sentiment_score":0.06301672756671906},{"word":"would","start":1337.1849,"end":1337.4249,"confidence":0.9893656,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.02621787041425705},{"word":"you","start":1337.4249,"end":1337.745,"confidence":0.9918528,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03361496701836586},{"word":"alter","start":1337.745,"end":1337.985,"confidence":0.9726845,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":0.03783665597438812},{"word":"or","start":1337.985,"end":1338.1449,"confidence":0.97289264,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.025928404182195663},{"word":"change","start":1338.1449,"end":1338.465,"confidence":0.9925333,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.04311956837773323},{"word":"that","start":1338.465,"end":1338.705,"confidence":0.93228954,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06879377365112305},{"word":"valuation","start":1338.705,"end":1339.205,"confidence":0.8979639,"punctuated_word":"valuation","sentiment":"neutral","sentiment_score":0.06952323019504547},{"word":"yep","start":1342.4299,"end":1342.9299,"confidence":0.7712748,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05523721128702164},{"word":"beautiful","start":1344.83,"end":1345.33,"confidence":0.9980563,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.2469687312841415},{"word":"and","start":1345.5499,"end":1345.95,"confidence":0.9862526,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11440712213516235},{"word":"the","start":1345.95,"end":1346.19,"confidence":0.9606234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08615368604660034},{"word":"new","start":1346.19,"end":1346.4299,"confidence":0.9987841,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.106949120759964},{"word":"vehicle","start":1346.4299,"end":1346.83,"confidence":0.9997837,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.081239715218544},{"word":"there","start":1346.83,"end":1347.15,"confidence":0.99910384,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.11176304519176485},{"word":"as","start":1347.15,"end":1347.3099,"confidence":0.99586535,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10492102801799774},{"word":"well","start":1347.3099,"end":1347.5499,"confidence":0.97667134,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.060181014239788055},{"word":"what","start":1347.5499,"end":1347.79,"confidence":0.99013126,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.018107417970895767},{"word":"kind","start":1347.79,"end":1347.95,"confidence":0.7449747,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.01907472312450409},{"word":"of","start":1347.95,"end":1348.03,"confidence":0.99777883,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.020757582038640976},{"word":"car","start":1348.03,"end":1348.35,"confidence":0.999428,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.02506711333990097},{"word":"is","start":1348.35,"end":1348.51,"confidence":0.99917763,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03402218967676163},{"word":"it","start":1348.51,"end":1349.01,"confidence":0.998787,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.027882970869541168},{"word":"yep","start":1351.87,"end":1352.37,"confidence":0.7728632,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.033029355108737946},{"word":"c","start":1352.75,"end":1352.91,"confidence":0.14583762,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.022491982206702232},{"word":"line","start":1352.91,"end":1353.195,"confidence":0.90803283,"punctuated_word":"Line","sentiment":"neutral","sentiment_score":0.04008978605270386},{"word":"eight","start":1353.5149,"end":1353.835,"confidence":0.98065233,"punctuated_word":"eight.","sentiment":"neutral","sentiment_score":0.03488514572381973},{"word":"beautiful","start":1353.835,"end":1354.335,"confidence":0.9976165,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.16581112146377563},{"word":"and","start":1354.3949,"end":1354.875,"confidence":0.9983695,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05851622298359871},{"word":"valuation","start":1354.875,"end":1355.355,"confidence":0.97361326,"punctuated_word":"valuation","sentiment":"neutral","sentiment_score":0.06838830560445786},{"word":"of","start":1355.355,"end":1355.5149,"confidence":0.9975737,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05208813026547432},{"word":"that","start":1355.5149,"end":1355.755,"confidence":0.99971014,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0660807266831398},{"word":"vehicle","start":1355.755,"end":1356.255,"confidence":0.8777455,"punctuated_word":"vehicle?","sentiment":"neutral","sentiment_score":0.04685905575752258},{"word":"70000","start":1361.195,"end":1362.095,"confidence":0.9817369,"punctuated_word":"70000.","sentiment":"neutral","sentiment_score":0.028667505830526352},{"word":"beautiful","start":1362.1549,"end":1362.6549,"confidence":0.99973154,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.11956842988729476},{"word":"excellent","start":1363.195,"end":1363.695,"confidence":0.9508902,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6201517581939697},{"word":"and","start":1363.835,"end":1363.995,"confidence":0.9803783,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15055230259895325},{"word":"that's","start":1363.995,"end":1364.155,"confidence":0.78408253,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1032906174659729},{"word":"a","start":1364.155,"end":1364.315,"confidence":0.68409866,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11079514026641846},{"word":"yeah","start":1365.195,"end":1365.595,"confidence":0.9933891,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2760544717311859},{"word":"all","start":1365.595,"end":1365.755,"confidence":0.85557044,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5864971280097961},{"word":"good","start":1365.755,"end":1366.075,"confidence":0.9801085,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.42578333616256714},{"word":"how","start":1366.075,"end":1366.235,"confidence":0.97963536,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.02338009886443615},{"word":"much","start":1366.235,"end":1366.5549,"confidence":0.99863005,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.02103274315595627},{"word":"do","start":1366.5549,"end":1366.6349,"confidence":0.992416,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.00577712245285511},{"word":"you","start":1366.6349,"end":1366.7949,"confidence":0.9931804,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018171953037381172},{"word":"owe","start":1366.7949,"end":1366.955,"confidence":0.9967309,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":0.011147744953632356},{"word":"on","start":1366.955,"end":1367.22,"confidence":0.98598504,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.007175622507929802},{"word":"that","start":1374.6599,"end":1374.9,"confidence":0.9977181,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008612981997430325},{"word":"one","start":1374.9,"end":1375.4,"confidence":0.99907446,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":0.003192437347024679},{"word":"yep","start":1376.82,"end":1377.32,"confidence":0.6715031,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.020784541964530945},{"word":"yep","start":1377.38,"end":1377.88,"confidence":0.9673132,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.029529497027397156},{"word":"all","start":1378.26,"end":1378.58,"confidence":0.9849224,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.13326582312583923},{"word":"good","start":1378.58,"end":1379.08,"confidence":0.9992434,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.17910456657409668},{"word":"beautiful","start":1380.1799,"end":1380.6799,"confidence":0.997301,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4341022968292236},{"word":"okay","start":1388.435,"end":1388.935,"confidence":0.89355546,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.019697509706020355},{"word":"yeah","start":1389.875,"end":1390.375,"confidence":0.99730504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029698006808757785},{"word":"that's","start":1390.5951,"end":1390.915,"confidence":0.7980342,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03360327333211899},{"word":"it","start":1390.915,"end":1391.395,"confidence":0.9043493,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.04293021187186241},{"word":"1.89%","start":1391.395,"end":1392.675,"confidence":0.9825074,"punctuated_word":"1.89%","sentiment":"neutral","sentiment_score":0.04056929796934128},{"word":"there","start":1392.675,"end":1392.995,"confidence":0.7943825,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.04222189635038376},{"word":"and","start":1392.995,"end":1393.155,"confidence":0.99792624,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02215051651000977},{"word":"then","start":1393.155,"end":1393.395,"confidence":0.99862134,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02758587896823883},{"word":"the","start":1393.395,"end":1393.7151,"confidence":0.9868007,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04125944525003433},{"word":"byd","start":1393.7151,"end":1394.2151,"confidence":0.99395406,"punctuated_word":"BYD","sentiment":"neutral","sentiment_score":0.04722252115607262},{"word":"shark","start":1394.275,"end":1394.515,"confidence":0.9208908,"punctuated_word":"Shark","sentiment":"neutral","sentiment_score":0.05170625075697899},{"word":"was","start":1394.515,"end":1394.5951,"confidence":0.9621372,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.029428891837596893},{"word":"1.99","start":1394.5951,"end":1395.84,"confidence":0.9837248,"punctuated_word":"1.99","sentiment":"neutral","sentiment_score":0.030779853463172913},{"word":"percent","start":1397.0199,"end":1397.1,"confidence":0.9976858,"punctuated_word":"percent.","sentiment":"neutral","sentiment_score":0.06853272020816803},{"word":"yep","start":1397.1,"end":1397.58,"confidence":0.76010644,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16329658031463623},{"word":"beautiful","start":1397.58,"end":1398.08,"confidence":0.9969016,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5884726643562317},{"word":"they","start":1398.2999,"end":1398.46,"confidence":0.9989466,"punctuated_word":"They","sentiment":"positive","sentiment_score":0.4477219581604004},{"word":"are","start":1398.46,"end":1398.7799,"confidence":0.9788513,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.36817583441734314},{"word":"really","start":1398.7799,"end":1399.1,"confidence":0.9846639,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.3967231512069702},{"word":"low","start":1399.1,"end":1399.34,"confidence":0.9989912,"punctuated_word":"low","sentiment":"positive","sentiment_score":0.4267016649246216},{"word":"interest","start":1399.34,"end":1399.74,"confidence":0.99968684,"punctuated_word":"interest","sentiment":"positive","sentiment_score":0.3805637657642365},{"word":"rates","start":1399.74,"end":1399.98,"confidence":0.90700567,"punctuated_word":"rates.","sentiment":"positive","sentiment_score":0.37944430112838745},{"word":"that's","start":1399.98,"end":1400.22,"confidence":0.9857104,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6422165632247925},{"word":"fantastic","start":1400.22,"end":1400.72,"confidence":0.9976329,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.6105144023895264},{"word":"almost","start":1402.1399,"end":1402.6399,"confidence":0.98998404,"punctuated_word":"Almost","sentiment":"neutral","sentiment_score":0.05227319151163101},{"word":"unheard","start":1402.7,"end":1403.2,"confidence":0.99915123,"punctuated_word":"unheard","sentiment":"neutral","sentiment_score":-0.0024777143262326717},{"word":"of","start":1404.94,"end":1405.2599,"confidence":0.99818814,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":0.006561744026839733},{"word":"yeah","start":1405.2599,"end":1405.7599,"confidence":0.9929397,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.005548941902816296},{"word":"is","start":1406.94,"end":1407.1799,"confidence":0.99200296,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.005373348481953144},{"word":"that","start":1407.1799,"end":1407.5,"confidence":0.99986374,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012323977425694466},{"word":"financed","start":1407.5,"end":1408.0,"confidence":0.78163236,"punctuated_word":"financed","sentiment":"neutral","sentiment_score":0.025026407092809677},{"word":"with","start":1408.1399,"end":1408.3799,"confidence":0.99973553,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.007148124277591705},{"word":"the","start":1408.3799,"end":1408.8799,"confidence":0.99964786,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01772717572748661},{"word":"the","start":1408.94,"end":1409.325,"confidence":0.72705173,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011048708111047745},{"word":"car","start":1411.885,"end":1412.325,"confidence":0.9126598,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.012711144983768463},{"word":"yard","start":1412.325,"end":1412.7649,"confidence":0.97381943,"punctuated_word":"yard?","sentiment":"neutral","sentiment_score":0.008602207526564598},{"word":"yeah","start":1412.7649,"end":1413.1649,"confidence":0.7271402,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02262120507657528},{"word":"yep","start":1413.1649,"end":1413.565,"confidence":0.8627162,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03923537954688072},{"word":"it","start":1413.565,"end":1413.725,"confidence":0.9961675,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.030433768406510353},{"word":"does","start":1413.725,"end":1414.125,"confidence":0.99933475,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.026590175926685333},{"word":"sound","start":1414.125,"end":1414.625,"confidence":0.97493696,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.023340387269854546},{"word":"absolutely","start":1416.605,"end":1417.105,"confidence":0.97745025,"punctuated_word":"absolutely.","sentiment":"neutral","sentiment_score":0.06866743415594101},{"word":"it","start":1417.4049,"end":1417.565,"confidence":0.9941654,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.03414836898446083},{"word":"does","start":1417.565,"end":1418.065,"confidence":0.9993389,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.021799348294734955},{"word":"absolutely","start":1419.965,"end":1420.465,"confidence":0.9840858,"punctuated_word":"absolutely.","sentiment":"neutral","sentiment_score":0.02824171632528305},{"word":"but","start":1420.725,"end":1421.225,"confidence":0.77522933,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.005997412838041782},{"word":"no","start":1421.485,"end":1421.725,"confidence":0.98779476,"punctuated_word":"no,","sentiment":"neutral","sentiment_score":0.00033975206315517426},{"word":"that","start":1421.725,"end":1422.0449,"confidence":0.95007926,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009462110698223114},{"word":"does","start":1422.0449,"end":1422.2849,"confidence":0.96384996,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.014894865453243256},{"word":"sound","start":1422.2849,"end":1422.5249,"confidence":0.99813867,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.009293969720602036},{"word":"like","start":1422.5249,"end":1422.845,"confidence":0.9963372,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0015074461698532104},{"word":"the","start":1422.845,"end":1423.085,"confidence":0.9868138,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0020129121840000153},{"word":"car","start":1423.085,"end":1423.325,"confidence":0.92342544,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.009396884590387344},{"word":"yard's","start":1423.325,"end":1423.6449,"confidence":0.9302968,"punctuated_word":"yard's","sentiment":"neutral","sentiment_score":0.014025863260030746},{"word":"interest","start":1423.6449,"end":1423.965,"confidence":0.9992029,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.021302053704857823},{"word":"rates","start":1423.965,"end":1424.205,"confidence":0.82492405,"punctuated_word":"rates,","sentiment":"neutral","sentiment_score":0.03147706389427185},{"word":"which","start":1424.205,"end":1424.365,"confidence":0.9841291,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.07736806571483612},{"word":"is","start":1424.365,"end":1424.64,"confidence":0.98912305,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08687935769557953},{"word":"absolutely","start":1424.72,"end":1424.96,"confidence":0.7157009,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.10233376175165176},{"word":"fine","start":1424.96,"end":1425.12,"confidence":0.99760294,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.046971116214990616},{"word":"do","start":1425.12,"end":1425.36,"confidence":0.920664,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0017062127590179443},{"word":"you","start":1425.36,"end":1425.52,"confidence":0.9978853,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008184080943465233},{"word":"guys","start":1425.52,"end":1425.76,"confidence":0.99961394,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.01845848746597767},{"word":"have","start":1425.76,"end":1425.92,"confidence":0.99974865,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.022377243265509605},{"word":"balloons","start":1425.92,"end":1426.42,"confidence":0.98309237,"punctuated_word":"balloons","sentiment":"neutral","sentiment_score":0.01842421293258667},{"word":"on","start":1426.56,"end":1426.8,"confidence":0.9997491,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.014944156631827354},{"word":"those","start":1426.8,"end":1427.2001,"confidence":0.9994461,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.012017173692584038},{"word":"payments","start":1427.2001,"end":1427.7001,"confidence":0.9993895,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.015255393460392952},{"word":"as","start":1427.76,"end":1427.84,"confidence":0.9997849,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.011826934292912483},{"word":"well","start":1427.84,"end":1428.16,"confidence":0.9999547,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.010740447789430618},{"word":"once","start":1428.16,"end":1428.4,"confidence":0.9950206,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.006114097312092781},{"word":"they","start":1428.4,"end":1428.64,"confidence":0.9989318,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0010783933103084564},{"word":"finish","start":1428.64,"end":1428.88,"confidence":0.83527374,"punctuated_word":"finish","sentiment":"neutral","sentiment_score":0.0014425832778215408},{"word":"up","start":1428.88,"end":1429.12,"confidence":0.9463767,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.005497853271663189},{"word":"or","start":1429.12,"end":1429.28,"confidence":0.9998154,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.035874493420124054},{"word":"is","start":1429.28,"end":1429.4401,"confidence":0.9998142,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02814401499927044},{"word":"that","start":1429.4401,"end":1429.68,"confidence":0.9998066,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03844573348760605},{"word":"completely","start":1429.68,"end":1430.16,"confidence":0.9985506,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.036080218851566315},{"word":"paid","start":1430.16,"end":1430.4,"confidence":0.9970848,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.06142521649599075},{"word":"down","start":1430.4,"end":1430.64,"confidence":0.99952984,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.062329694628715515},{"word":"to","start":1430.64,"end":1430.8,"confidence":0.9983039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0664329081773758},{"word":"nothing","start":1430.8,"end":1431.3,"confidence":0.99599624,"punctuated_word":"nothing?","sentiment":"neutral","sentiment_score":-0.06039896607398987},{"word":"nothing","start":1431.6,"end":1432.08,"confidence":0.87189496,"punctuated_word":"Nothing.","sentiment":"neutral","sentiment_score":-0.02852800115942955},{"word":"beautiful","start":1432.08,"end":1432.58,"confidence":0.96845686,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.010127145797014236},{"word":"no","start":1435.28,"end":1435.68,"confidence":0.98034614,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.019699204713106155},{"word":"all","start":1435.68,"end":1436.0,"confidence":0.915101,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.1624404489994049},{"word":"good","start":1436.0,"end":1436.5,"confidence":0.99835074,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1214904859662056},{"word":"fantastic","start":1437.68,"end":1438.18,"confidence":0.9994248,"punctuated_word":"Fantastic.","sentiment":"neutral","sentiment_score":0.19197124242782593},{"word":"and","start":1438.3201,"end":1438.605,"confidence":0.9991105,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03950462490320206},{"word":"you","start":1438.765,"end":1439.085,"confidence":0.7593926,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.039260268211364746},{"word":"own","start":1439.085,"end":1439.325,"confidence":0.96017957,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.06774541735649109},{"word":"both","start":1439.325,"end":1439.645,"confidence":0.99335325,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.051697731018066406},{"word":"those","start":1439.645,"end":1439.965,"confidence":0.910436,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0774284154176712},{"word":"cars","start":1439.965,"end":1440.205,"confidence":0.99841106,"punctuated_word":"cars","sentiment":"neutral","sentiment_score":0.06316625326871872},{"word":"in","start":1440.205,"end":1440.445,"confidence":0.99979264,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.023167921230196953},{"word":"three","start":1440.445,"end":1440.6849,"confidence":0.9998142,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.02360571175813675},{"word":"years","start":1440.6849,"end":1441.165,"confidence":0.88298154,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.02694792114198208},{"word":"or","start":1441.165,"end":1441.645,"confidence":0.9996176,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02661091834306717},{"word":"how","start":1441.645,"end":1441.965,"confidence":0.9995358,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0314691998064518},{"word":"often","start":1441.965,"end":1442.465,"confidence":0.79526365,"punctuated_word":"often?","sentiment":"neutral","sentiment_score":0.017035987228155136},{"word":"yep","start":1443.005,"end":1443.505,"confidence":0.91820997,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01608509197831154},{"word":"perfect","start":1446.6849,"end":1447.1849,"confidence":0.9779447,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.09103626012802124},{"word":"so","start":1448.6849,"end":1448.765,"confidence":0.851921,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.019052740186452866},{"word":"two","start":1448.765,"end":1449.005,"confidence":0.5294134,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.02223134972155094},{"word":"years","start":1449.005,"end":1449.505,"confidence":0.82712066,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.03003014251589775},{"word":"yep","start":1449.565,"end":1450.065,"confidence":0.8163452,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.036233339458703995},{"word":"to","start":1450.285,"end":1450.525,"confidence":0.92373294,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.0228279922157526},{"word":"be","start":1450.525,"end":1450.6849,"confidence":0.96371645,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03014099970459938},{"word":"owned","start":1450.6849,"end":1451.1849,"confidence":0.79309535,"punctuated_word":"owned.","sentiment":"neutral","sentiment_score":0.04651115834712982},{"word":"and","start":1451.725,"end":1452.03,"confidence":0.99861634,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03195573389530182},{"word":"then","start":1452.1901,"end":1452.43,"confidence":0.99935895,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03485295549035072},{"word":"three","start":1452.43,"end":1452.75,"confidence":0.99839383,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.039765696972608566},{"word":"for","start":1452.75,"end":1452.91,"confidence":0.99767715,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03626962751150131},{"word":"the","start":1452.91,"end":1453.41,"confidence":0.9981516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05737508833408356},{"word":"bydc","start":1453.87,"end":1454.37,"confidence":0.8279031,"punctuated_word":"BYDC","sentiment":"neutral","sentiment_score":0.05555310100317001},{"word":"line","start":1454.43,"end":1454.8301,"confidence":0.9833792,"punctuated_word":"line.","sentiment":"neutral","sentiment_score":0.05497759208083153},{"word":"beautiful","start":1454.8301,"end":1455.23,"confidence":0.9490862,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.157332181930542},{"word":"are","start":1455.23,"end":1455.39,"confidence":0.9981877,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.035004086792469025},{"word":"they","start":1455.39,"end":1455.63,"confidence":0.99919134,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.023015089333057404},{"word":"both","start":1455.63,"end":1455.87,"confidence":0.99921405,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.026523005217313766},{"word":"electric","start":1455.87,"end":1456.35,"confidence":0.9993299,"punctuated_word":"electric","sentiment":"neutral","sentiment_score":0.02200010791420937},{"word":"cars","start":1456.35,"end":1456.85,"confidence":0.9928445,"punctuated_word":"cars?","sentiment":"neutral","sentiment_score":0.018540501594543457},{"word":"hybrid","start":1459.79,"end":1460.29,"confidence":0.7245914,"punctuated_word":"Hybrid.","sentiment":"neutral","sentiment_score":0.04156281054019928},{"word":"yeah","start":1461.55,"end":1462.05,"confidence":0.9039534,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0443507507443428},{"word":"yeah","start":1462.11,"end":1462.61,"confidence":0.78393114,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0493844673037529},{"word":"yeah","start":1465.55,"end":1465.9501,"confidence":0.9360126,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08999399840831757},{"word":"absolutely","start":1465.9501,"end":1466.4501,"confidence":0.9908878,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.12047186493873596},{"word":"yeah","start":1466.5901,"end":1466.8301,"confidence":0.9976933,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0543893538415432},{"word":"no","start":1466.8301,"end":1466.99,"confidence":0.9297422,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0715121179819107},{"word":"i've","start":1466.99,"end":1467.15,"confidence":0.99903095,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.3178096413612366},{"word":"got","start":1467.15,"end":1467.23,"confidence":0.99741286,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.31723612546920776},{"word":"a","start":1467.23,"end":1467.31,"confidence":0.97467685,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30685746669769287},{"word":"hyundai","start":1467.31,"end":1467.81,"confidence":0.9913754,"punctuated_word":"Hyundai","sentiment":"neutral","sentiment_score":0.31337669491767883},{"word":"and","start":1468.325,"end":1468.485,"confidence":0.5131707,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3001885712146759},{"word":"it's","start":1468.485,"end":1468.725,"confidence":0.9803816,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3206114172935486},{"word":"hybrid","start":1468.725,"end":1469.165,"confidence":0.9138744,"punctuated_word":"hybrid,","sentiment":"neutral","sentiment_score":0.2784680128097534},{"word":"and","start":1469.165,"end":1469.605,"confidence":0.9993734,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5130236148834229},{"word":"i","start":1469.605,"end":1469.765,"confidence":0.9992797,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.787618100643158},{"word":"love","start":1469.765,"end":1470.165,"confidence":0.9979748,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.7819647789001465},{"word":"it","start":1470.165,"end":1470.245,"confidence":0.92950857,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.5845431089401245},{"word":"driving","start":1470.245,"end":1470.645,"confidence":0.9984301,"punctuated_word":"Driving","sentiment":"positive","sentiment_score":0.35797587037086487},{"word":"an","start":1470.645,"end":1470.885,"confidence":0.9914794,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.4727194011211395},{"word":"hour","start":1470.885,"end":1471.205,"confidence":0.99888617,"punctuated_word":"hour","sentiment":"positive","sentiment_score":0.46897944808006287},{"word":"to","start":1471.205,"end":1471.365,"confidence":0.99598,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5394129753112793},{"word":"work","start":1471.365,"end":1471.865,"confidence":0.9557693,"punctuated_word":"work,","sentiment":"positive","sentiment_score":0.4611220955848694},{"word":"it","start":1472.005,"end":1472.245,"confidence":0.9970739,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4970366358757019},{"word":"makes","start":1472.245,"end":1472.645,"confidence":0.9974476,"punctuated_word":"makes","sentiment":"positive","sentiment_score":0.401366263628006},{"word":"such","start":1472.645,"end":1472.885,"confidence":0.9985379,"punctuated_word":"such","sentiment":"positive","sentiment_score":0.5017513632774353},{"word":"a","start":1472.885,"end":1473.045,"confidence":0.9875448,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4364314675331116},{"word":"difference","start":1473.045,"end":1473.365,"confidence":0.9989122,"punctuated_word":"difference","sentiment":"positive","sentiment_score":0.442737340927124},{"word":"on","start":1473.365,"end":1473.685,"confidence":0.9977101,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.40225207805633545},{"word":"fuel","start":1473.685,"end":1474.085,"confidence":0.98426414,"punctuated_word":"fuel.","sentiment":"positive","sentiment_score":0.3790300786495209},{"word":"it's","start":1474.085,"end":1474.245,"confidence":0.9982458,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.47613486647605896},{"word":"easy","start":1474.245,"end":1474.5651,"confidence":0.998259,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.5160807967185974},{"word":"to","start":1474.5651,"end":1474.645,"confidence":0.9989477,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4788590669631958},{"word":"fill","start":1474.645,"end":1474.885,"confidence":0.9993331,"punctuated_word":"fill","sentiment":"positive","sentiment_score":0.37233272194862366},{"word":"up","start":1474.885,"end":1475.125,"confidence":0.9215348,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.3199729323387146},{"word":"it","start":1475.125,"end":1475.285,"confidence":0.9976069,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3729037344455719},{"word":"drives","start":1475.285,"end":1475.605,"confidence":0.9967462,"punctuated_word":"drives","sentiment":"neutral","sentiment_score":0.2822858989238739},{"word":"most","start":1475.605,"end":1475.845,"confidence":0.94324535,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.3909219205379486},{"word":"of","start":1475.845,"end":1475.925,"confidence":0.72452915,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.46279916167259216},{"word":"the","start":1475.925,"end":1476.005,"confidence":0.99066633,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.443991094827652},{"word":"way","start":1476.005,"end":1476.245,"confidence":0.99153507,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.3916310966014862},{"word":"electric","start":1476.245,"end":1476.745,"confidence":0.9565306,"punctuated_word":"electric,","sentiment":"positive","sentiment_score":0.4225749969482422},{"word":"and","start":1477.205,"end":1477.285,"confidence":0.9911577,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34678778052330017},{"word":"it's","start":1477.285,"end":1477.605,"confidence":0.9951278,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.49118396639823914},{"word":"just","start":1477.605,"end":1477.845,"confidence":0.9933582,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.48996680974960327},{"word":"so","start":1477.845,"end":1478.005,"confidence":0.9977354,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.548078715801239},{"word":"much","start":1478.005,"end":1478.245,"confidence":0.9978637,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4983467161655426},{"word":"easier","start":1478.245,"end":1478.745,"confidence":0.99661547,"punctuated_word":"easier.","sentiment":"positive","sentiment_score":0.35726460814476013},{"word":"it","start":1480.085,"end":1480.165,"confidence":0.92105025,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.09729152917861938},{"word":"works","start":1480.165,"end":1480.665,"confidence":0.8159138,"punctuated_word":"works.","sentiment":"neutral","sentiment_score":0.14111709594726562},{"word":"it","start":1483.86,"end":1484.02,"confidence":0.25080094,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.3287353217601776},{"word":"works","start":1484.02,"end":1484.1799,"confidence":0.81998324,"punctuated_word":"works.","sentiment":"positive","sentiment_score":0.3426707088947296},{"word":"fantastic","start":1484.1799,"end":1484.34,"confidence":0.94350785,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7321815490722656},{"word":"it's","start":1484.34,"end":1484.5,"confidence":0.99801064,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6171122789382935},{"word":"amazing","start":1484.5,"end":1484.9,"confidence":0.9595293,"punctuated_word":"amazing,","sentiment":"positive","sentiment_score":0.5429761409759521},{"word":"isn't","start":1484.9,"end":1485.22,"confidence":0.9879515,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":0.00137998815625906},{"word":"it","start":1485.22,"end":1485.3,"confidence":0.85171115,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.012254862114787102},{"word":"especially","start":1485.3,"end":1485.5,"confidence":0.7569007,"punctuated_word":"Especially","sentiment":"neutral","sentiment_score":0.019050847738981247},{"word":"for","start":1485.5,"end":1485.7,"confidence":0.22183554,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0247135441750288},{"word":"us","start":1485.7,"end":1486.02,"confidence":0.7582015,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.026673749089241028},{"word":"to","start":1486.02,"end":1486.52,"confidence":0.25691023,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04285068064928055},{"word":"feel","start":1488.98,"end":1489.14,"confidence":0.1468755,"punctuated_word":"feel","sentiment":"positive","sentiment_score":0.5250784754753113},{"word":"all","start":1489.3,"end":1489.54,"confidence":0.8381539,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5249844193458557},{"word":"good","start":1489.54,"end":1490.04,"confidence":0.99917316,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4554726779460907},{"word":"excellent","start":1490.82,"end":1491.32,"confidence":0.8749802,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4458274841308594},{"word":"now","start":1491.78,"end":1492.28,"confidence":0.99865556,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.12503933906555176},{"word":"the","start":1492.58,"end":1492.82,"confidence":0.9927897,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.059934042394161224},{"word":"other","start":1492.82,"end":1493.06,"confidence":0.99959797,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.06067051738500595},{"word":"thing","start":1493.06,"end":1493.3,"confidence":0.9989753,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.05475588142871857},{"word":"to","start":1493.3,"end":1493.46,"confidence":0.9964742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04118073731660843},{"word":"sort","start":1493.46,"end":1493.7,"confidence":0.993001,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03949083387851715},{"word":"of","start":1493.7,"end":1493.9401,"confidence":0.9989542,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012214690446853638},{"word":"look","start":1493.9401,"end":1494.1,"confidence":0.99924433,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02279390394687653},{"word":"at","start":1494.1,"end":1494.1799,"confidence":0.99657685,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0361720398068428},{"word":"so","start":1494.26,"end":1494.42,"confidence":0.9993293,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.031953394412994385},{"word":"we've","start":1494.42,"end":1494.66,"confidence":0.9993715,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.0383073091506958},{"word":"updated","start":1494.66,"end":1495.06,"confidence":0.94947493,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.05495966970920563},{"word":"all","start":1495.06,"end":1495.22,"confidence":0.9983461,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.052833057940006256},{"word":"your","start":1495.22,"end":1495.38,"confidence":0.9923012,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03622398152947426},{"word":"assets","start":1495.38,"end":1495.78,"confidence":0.99941313,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.027715589851140976},{"word":"and","start":1495.78,"end":1495.9401,"confidence":0.99691224,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0287830401211977},{"word":"liabilities","start":1495.9401,"end":1496.42,"confidence":0.9991472,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":0.0233566053211689},{"word":"there","start":1496.42,"end":1496.66,"confidence":0.97638476,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.04539286345243454},{"word":"is","start":1496.66,"end":1496.82,"confidence":0.99895084,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.019795574247837067},{"word":"there","start":1496.82,"end":1496.98,"confidence":0.9991086,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.018672877922654152},{"word":"anything","start":1496.98,"end":1497.3,"confidence":0.99913895,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.029712313786149025},{"word":"else","start":1497.3,"end":1497.7,"confidence":0.99809855,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.029182974249124527},{"word":"asset","start":1497.7,"end":1498.02,"confidence":0.7386888,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.010120522230863571},{"word":"or","start":1498.02,"end":1498.18,"confidence":0.9534248,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0006484128534793854},{"word":"liability","start":1498.18,"end":1498.66,"confidence":0.99894863,"punctuated_word":"liability","sentiment":"neutral","sentiment_score":0.01279640570282936},{"word":"wise","start":1498.66,"end":1498.9,"confidence":0.98502886,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":-0.00499381497502327},{"word":"that","start":1498.9,"end":1499.175,"confidence":0.9628967,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.002107035368680954},{"word":"we","start":1499.255,"end":1499.3351,"confidence":0.8313775,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01121138408780098},{"word":"should","start":1499.3351,"end":1499.495,"confidence":0.99584913,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.010682143270969393},{"word":"probably","start":1499.495,"end":1499.895,"confidence":0.9978288,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.016550550237298012},{"word":"update","start":1499.895,"end":1500.295,"confidence":0.9996176,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.029265988618135452},{"word":"or","start":1500.295,"end":1500.4551,"confidence":0.9970962,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02146022766828537},{"word":"note","start":1500.4551,"end":1500.775,"confidence":0.9982638,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.02204752340912819},{"word":"down","start":1500.775,"end":1501.015,"confidence":0.9994968,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.04267873615026474},{"word":"as","start":1501.015,"end":1501.415,"confidence":0.98840535,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.015257053077220917},{"word":"anything","start":1501.415,"end":1501.895,"confidence":0.99819165,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.023493800312280655},{"word":"different","start":1501.895,"end":1502.2151,"confidence":0.9995931,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.0033330395817756653},{"word":"to","start":1502.2151,"end":1502.375,"confidence":0.9983255,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007917068898677826},{"word":"what","start":1502.375,"end":1502.535,"confidence":0.99986136,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.013727471232414246},{"word":"we","start":1502.535,"end":1502.775,"confidence":0.99978095,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01205095648765564},{"word":"had","start":1502.775,"end":1503.175,"confidence":0.99894255,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.003187835216522217},{"word":"or","start":1503.175,"end":1503.655,"confidence":0.97424877,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01968592405319214},{"word":"anything","start":1503.655,"end":1504.135,"confidence":0.9986362,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.029822977259755135},{"word":"new","start":1504.135,"end":1504.635,"confidence":0.9982726,"punctuated_word":"new?","sentiment":"neutral","sentiment_score":0.009502384811639786},{"word":"no","start":1511.495,"end":1511.8151,"confidence":0.92755806,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03186285123229027},{"word":"not","start":1511.8151,"end":1512.055,"confidence":0.99344397,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.03124614804983139},{"word":"that","start":1512.055,"end":1512.2151,"confidence":0.99906176,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0277889221906662},{"word":"one","start":1512.2151,"end":1512.535,"confidence":0.9986275,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.023766830563545227},{"word":"so","start":1512.535,"end":1512.6951,"confidence":0.9976579,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.006465563550591469},{"word":"the","start":1512.6951,"end":1512.935,"confidence":0.997658,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004985567182302475},{"word":"unit","start":1512.935,"end":1513.3351,"confidence":0.9992711,"punctuated_word":"unit","sentiment":"neutral","sentiment_score":-0.0038294000551104546},{"word":"in","start":1513.3351,"end":1513.495,"confidence":0.99870133,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.003406812436878681},{"word":"wollumburn","start":1513.495,"end":1513.995,"confidence":0.6049632,"punctuated_word":"Wollumburn,","sentiment":"neutral","sentiment_score":0.012964344583451748},{"word":"that's","start":1514.615,"end":1514.8551,"confidence":0.99852055,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.019757946953177452},{"word":"okay","start":1514.8551,"end":1515.15,"confidence":0.99107057,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.017003368586301804},{"word":"let's","start":1515.39,"end":1515.63,"confidence":0.95952415,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.020855676382780075},{"word":"update","start":1515.63,"end":1516.03,"confidence":0.9982425,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.020194794982671738},{"word":"that","start":1516.03,"end":1516.27,"confidence":0.9998945,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.017987485975027084},{"word":"one","start":1516.27,"end":1516.77,"confidence":0.9992794,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.011980105191469193},{"word":"so","start":1516.8301,"end":1516.99,"confidence":0.99843794,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01788785494863987},{"word":"that's","start":1516.99,"end":1517.31,"confidence":0.99924624,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.01902959868311882},{"word":"a","start":1517.31,"end":1517.47,"confidence":0.57054335,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.018602700904011726},{"word":"unit","start":1517.47,"end":1517.87,"confidence":0.9840645,"punctuated_word":"unit.","sentiment":"neutral","sentiment_score":0.013415765948593616},{"word":"what","start":1517.87,"end":1518.11,"confidence":0.9993333,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.008351793512701988},{"word":"sort","start":1518.11,"end":1518.27,"confidence":0.9213311,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.00702816154807806},{"word":"of","start":1518.27,"end":1518.43,"confidence":0.99544287,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0040190014988183975},{"word":"value","start":1518.43,"end":1518.75,"confidence":0.99677485,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.003350432962179184},{"word":"would","start":1518.75,"end":1518.99,"confidence":0.9986375,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.006845390424132347},{"word":"you","start":1518.99,"end":1519.0701,"confidence":0.99960047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01076370570808649},{"word":"put","start":1519.0701,"end":1519.31,"confidence":0.9999304,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0054781511425971985},{"word":"on","start":1519.31,"end":1519.39,"confidence":0.999811,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0073351869359612465},{"word":"that","start":1519.39,"end":1519.55,"confidence":0.9998771,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009602642618119717},{"word":"one","start":1519.55,"end":1520.05,"confidence":0.99972284,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":0.003609875682741403},{"word":"yeah","start":1529.9501,"end":1530.315,"confidence":0.993023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.007232894189655781},{"word":"wow","start":1530.3949,"end":1530.8949,"confidence":0.99000216,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.0495029091835022},{"word":"yep","start":1531.595,"end":1532.075,"confidence":0.8093242,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07033880800008774},{"word":"beautiful","start":1532.075,"end":1532.575,"confidence":0.9988457,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.13848274946212769},{"word":"and","start":1532.955,"end":1533.195,"confidence":0.809026,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03326351195573807},{"word":"do","start":1533.195,"end":1533.355,"confidence":0.9953311,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0121347364038229},{"word":"you","start":1533.355,"end":1533.4349,"confidence":0.9985891,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01640324853360653},{"word":"have","start":1533.4349,"end":1533.595,"confidence":0.9981881,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0056869834661483765},{"word":"a","start":1533.595,"end":1533.7549,"confidence":0.99091667,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007542890962213278},{"word":"loan","start":1533.7549,"end":1533.995,"confidence":0.990258,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.010109761729836464},{"word":"on","start":1533.995,"end":1534.075,"confidence":0.986573,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.005544360727071762},{"word":"that","start":1534.075,"end":1534.315,"confidence":0.9924884,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.008975807577371597},{"word":"you've","start":1534.315,"end":1534.815,"confidence":0.80410147,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.007754308637231588},{"word":"owned","start":1534.875,"end":1535.115,"confidence":0.67954147,"punctuated_word":"owned","sentiment":"neutral","sentiment_score":-0.0062782047316432},{"word":"outright","start":1535.115,"end":1535.615,"confidence":0.84245217,"punctuated_word":"outright?","sentiment":"neutral","sentiment_score":-0.01822283491492271},{"word":"beautiful","start":1535.7549,"end":1536.2549,"confidence":0.9959368,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":-0.0025752000510692596},{"word":"yep","start":1537.7549,"end":1538.2549,"confidence":0.9408363,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02038990706205368},{"word":"okay","start":1541.195,"end":1541.695,"confidence":0.97829795,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.005570866167545319},{"word":"perfect","start":1544.5549,"end":1545.03,"confidence":0.7947786,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.02195134200155735},{"word":"alright","start":1548.87,"end":1549.37,"confidence":0.8103285,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.053265850991010666},{"word":"yep","start":1549.8301,"end":1550.31,"confidence":0.92370033,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04323100671172142},{"word":"yep","start":1550.31,"end":1550.79,"confidence":0.962235,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04802107810974121},{"word":"beautiful","start":1550.79,"end":1551.29,"confidence":0.9966589,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.28944021463394165},{"word":"yep","start":1553.91,"end":1554.41,"confidence":0.9786947,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1056971549987793},{"word":"beautiful","start":1555.51,"end":1556.01,"confidence":0.99768203,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.38288456201553345},{"word":"it's","start":1556.23,"end":1556.47,"confidence":0.9607364,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.34986722469329834},{"word":"good","start":1556.47,"end":1556.7101,"confidence":0.8721671,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3560958802700043},{"word":"as","start":1556.7101,"end":1556.87,"confidence":0.500676,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.47811633348464966},{"word":"the","start":1556.87,"end":1557.03,"confidence":0.93636245,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4516172409057617},{"word":"canna","start":1557.03,"end":1557.27,"confidence":0.32976133,"punctuated_word":"canna","sentiment":"positive","sentiment_score":0.401735246181488},{"word":"for","start":1557.27,"end":1557.43,"confidence":0.69407916,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.35992974042892456},{"word":"in","start":1557.43,"end":1557.5901,"confidence":0.32641277,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4094546437263489},{"word":"the","start":1557.5901,"end":1557.75,"confidence":0.9781667,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.386185884475708},{"word":"wheel","start":1557.75,"end":1558.185,"confidence":0.83094275,"punctuated_word":"wheel.","sentiment":"positive","sentiment_score":0.3489246964454651},{"word":"is","start":1558.3451,"end":1558.5851,"confidence":0.9945221,"punctuated_word":"Is","sentiment":"positive","sentiment_score":0.5233443975448608},{"word":"fantastic","start":1558.5851,"end":1559.0851,"confidence":0.99881804,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.46698057651519775},{"word":"they're","start":1559.545,"end":1559.8651,"confidence":0.79678,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.13490109145641327},{"word":"fully","start":1559.8651,"end":1560.185,"confidence":0.999582,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.15274426341056824},{"word":"owned","start":1560.185,"end":1560.5851,"confidence":0.8496963,"punctuated_word":"owned,","sentiment":"neutral","sentiment_score":0.16883769631385803},{"word":"and","start":1560.5851,"end":1560.8251,"confidence":0.9997578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.082985520362854},{"word":"your","start":1560.8251,"end":1561.0651,"confidence":0.9980861,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08476750552654266},{"word":"parents","start":1561.0651,"end":1561.385,"confidence":0.99903667,"punctuated_word":"parents","sentiment":"neutral","sentiment_score":0.10613160580396652},{"word":"are","start":1561.385,"end":1561.4651,"confidence":0.96980995,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08020900189876556},{"word":"living","start":1561.4651,"end":1561.785,"confidence":0.9996227,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.14134326577186584},{"word":"in","start":1561.785,"end":1561.9451,"confidence":0.9853055,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16229531168937683},{"word":"it","start":1561.9451,"end":1562.1051,"confidence":0.98800343,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14052560925483704},{"word":"do","start":1562.1051,"end":1562.265,"confidence":0.83611655,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.008396496996283531},{"word":"they","start":1562.265,"end":1562.425,"confidence":0.9987386,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0007367096841335297},{"word":"pay","start":1562.425,"end":1562.665,"confidence":0.99918467,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.00403498113155365},{"word":"anything","start":1562.665,"end":1563.0651,"confidence":0.999186,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.025610465556383133},{"word":"in","start":1563.0651,"end":1563.2251,"confidence":0.9890031,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.007110491394996643},{"word":"rent","start":1563.2251,"end":1563.545,"confidence":0.9685753,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":0.01930711232125759},{"word":"or","start":1563.545,"end":1563.625,"confidence":0.9928699,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.00015573389828205109},{"word":"anything","start":1563.625,"end":1563.8651,"confidence":0.8557962,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":0.0047783153131604195},{"word":"or","start":1563.8651,"end":1564.025,"confidence":0.9957163,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.006021143868565559},{"word":"they're","start":1564.025,"end":1564.185,"confidence":0.965208,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.0022821053862571716},{"word":"just","start":1564.185,"end":1564.5851,"confidence":0.99242014,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.004263915121555328},{"word":"living","start":1564.5851,"end":1564.905,"confidence":0.99135405,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.00978754460811615},{"word":"in","start":1564.905,"end":1565.0651,"confidence":0.6908692,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.008068609982728958},{"word":"it","start":1565.0651,"end":1565.2251,"confidence":0.92206734,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.002701456658542156},{"word":"rent","start":1565.2251,"end":1565.385,"confidence":0.9992667,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":0.0017362702637910845},{"word":"free","start":1565.385,"end":1565.885,"confidence":0.9952282,"punctuated_word":"free?","sentiment":"neutral","sentiment_score":0.00784615334123373},{"word":"beautiful","start":1566.425,"end":1566.925,"confidence":0.7060846,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5332415103912354},{"word":"yeah","start":1568.7451,"end":1569.2451,"confidence":0.8721893,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1159948706626892},{"word":"yes","start":1570.425,"end":1570.7451,"confidence":0.90938497,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2034907341003418},{"word":"that's","start":1570.7451,"end":1571.0651,"confidence":0.85758567,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3334276080131531},{"word":"okay","start":1571.0651,"end":1571.5651,"confidence":0.5841511,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.314092218875885},{"word":"that's","start":1572.8251,"end":1573.145,"confidence":0.83640146,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7625494003295898},{"word":"absolutely","start":1573.145,"end":1573.645,"confidence":0.95968306,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.7585585117340088},{"word":"fantastic","start":1574.19,"end":1574.69,"confidence":0.9947454,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7879296541213989},{"word":"beautiful","start":1575.1499,"end":1575.6499,"confidence":0.9955616,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7797562479972839},{"word":"fantastic","start":1576.2699,"end":1576.7699,"confidence":0.9966953,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7325260639190674},{"word":"thank","start":1576.9099,"end":1577.07,"confidence":0.99927014,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6621248126029968},{"word":"you","start":1577.07,"end":1577.23,"confidence":0.9998241,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6292740106582642},{"word":"for","start":1577.23,"end":1577.47,"confidence":0.99966633,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6480318903923035},{"word":"updating","start":1577.47,"end":1577.87,"confidence":0.9987607,"punctuated_word":"updating","sentiment":"positive","sentiment_score":0.622006356716156},{"word":"that","start":1577.87,"end":1578.37,"confidence":0.9920641,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5721886157989502},{"word":"and","start":1578.6699,"end":1578.99,"confidence":0.8822924,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.14082983136177063},{"word":"scott","start":1578.99,"end":1579.3099,"confidence":0.9958352,"punctuated_word":"Scott,","sentiment":"neutral","sentiment_score":0.08417799323797226},{"word":"you","start":1579.3099,"end":1579.8099,"confidence":0.9974642,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04115705192089081},{"word":"still","start":1580.2699,"end":1580.59,"confidence":0.99694806,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.046088866889476776},{"word":"have","start":1580.59,"end":1580.99,"confidence":0.9850853,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05912768840789795},{"word":"shares","start":1580.99,"end":1581.47,"confidence":0.9966208,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.0857866108417511},{"word":"with","start":1581.47,"end":1581.87,"confidence":0.99963677,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0728672444820404},{"word":"bhp","start":1581.87,"end":1582.37,"confidence":0.9874212,"punctuated_word":"BHP.","sentiment":"neutral","sentiment_score":0.1111178696155548},{"word":"do","start":1582.59,"end":1582.6699,"confidence":0.99947435,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.040563009679317474},{"word":"you","start":1582.6699,"end":1582.83,"confidence":0.9997074,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05429775267839432},{"word":"still","start":1582.83,"end":1583.1499,"confidence":0.99983656,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.043099477887153625},{"word":"have","start":1583.1499,"end":1583.3099,"confidence":0.9998566,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05431598424911499},{"word":"those","start":1583.3099,"end":1583.71,"confidence":0.99777484,"punctuated_word":"those?","sentiment":"neutral","sentiment_score":0.08459925651550293},{"word":"you","start":1583.71,"end":1584.0299,"confidence":0.9299411,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.010887723416090012},{"word":"sort","start":1584.0299,"end":1584.19,"confidence":0.7971517,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.014018510468304156},{"word":"of","start":1584.19,"end":1584.35,"confidence":0.63628775,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.024217665195465088},{"word":"mentioned","start":1584.35,"end":1584.59,"confidence":0.9848322,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.016633477061986923},{"word":"that","start":1584.59,"end":1584.75,"confidence":0.9994105,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01607033982872963},{"word":"you","start":1584.75,"end":1584.9099,"confidence":0.9999062,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00964686181396246},{"word":"are","start":1584.9099,"end":1585.1499,"confidence":0.99948126,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.013969415798783302},{"word":"still","start":1585.1499,"end":1585.6499,"confidence":0.999724,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.011133127845823765},{"word":"having","start":1585.71,"end":1585.95,"confidence":0.9729039,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.019286228343844417},{"word":"those","start":1585.95,"end":1586.2699,"confidence":0.98339117,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.02943522483110428},{"word":"purchased","start":1586.2699,"end":1586.59,"confidence":0.71378595,"punctuated_word":"purchased","sentiment":"neutral","sentiment_score":0.024132849648594856},{"word":"out","start":1586.59,"end":1586.83,"confidence":0.98366404,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.031177403405308723},{"word":"of","start":1586.83,"end":1586.99,"confidence":0.9929046,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030374404042959213},{"word":"your","start":1586.99,"end":1587.23,"confidence":0.999423,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.022286828607320786},{"word":"wages","start":1587.23,"end":1587.73,"confidence":0.99955446,"punctuated_word":"wages","sentiment":"neutral","sentiment_score":0.034293681383132935},{"word":"every","start":1587.845,"end":1588.245,"confidence":0.99982077,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.017625892534852028},{"word":"month","start":1588.245,"end":1588.5651,"confidence":0.9997029,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.019739944487810135},{"word":"or","start":1588.5651,"end":1588.805,"confidence":0.9961378,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.004672066308557987},{"word":"fortnight","start":1588.805,"end":1589.305,"confidence":0.8578329,"punctuated_word":"fortnight?","sentiment":"neutral","sentiment_score":0.011578338220715525},{"word":"yep","start":1590.3251,"end":1590.8251,"confidence":0.80039775,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10317230224609376},{"word":"beautiful","start":1591.4451,"end":1591.925,"confidence":0.99955875,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.27400028705596924},{"word":"do","start":1591.925,"end":1592.005,"confidence":0.9994468,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.04826752841472626},{"word":"you","start":1592.005,"end":1592.165,"confidence":0.99961144,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06381455063819885},{"word":"know","start":1592.165,"end":1592.3251,"confidence":0.99943334,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.055684156715869904},{"word":"how","start":1592.3251,"end":1592.485,"confidence":0.9989312,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05075923725962639},{"word":"many","start":1592.485,"end":1592.885,"confidence":0.9991442,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.05253925174474716},{"word":"shares","start":1592.885,"end":1593.125,"confidence":0.99896073,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.06628263741731644},{"word":"you","start":1593.125,"end":1593.285,"confidence":0.99748355,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018989210948348045},{"word":"have","start":1593.285,"end":1593.525,"confidence":0.99943525,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.021709084510803223},{"word":"or","start":1593.525,"end":1593.685,"confidence":0.974911,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0441945381462574},{"word":"what","start":1593.685,"end":1593.845,"confidence":0.999652,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05056426674127579},{"word":"the","start":1593.845,"end":1594.005,"confidence":0.99808276,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.046510204672813416},{"word":"current","start":1594.005,"end":1594.245,"confidence":0.99945885,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.0347416028380394},{"word":"value","start":1594.245,"end":1594.645,"confidence":0.99876726,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.037429485470056534},{"word":"of","start":1594.645,"end":1594.885,"confidence":0.9983126,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05672065168619156},{"word":"those","start":1594.885,"end":1595.205,"confidence":0.99854964,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.05990995466709137},{"word":"are","start":1595.205,"end":1595.705,"confidence":0.9931934,"punctuated_word":"are?","sentiment":"neutral","sentiment_score":0.03854760900139809},{"word":"80,000","start":1598.085,"end":1598.905,"confidence":0.8713423,"punctuated_word":"80,000?","sentiment":"neutral","sentiment_score":0.0028510638512670994},{"word":"yeah","start":1602.725,"end":1602.885,"confidence":0.9957094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0032505416311323643},{"word":"that's","start":1602.885,"end":1603.32,"confidence":0.97925156,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.009016967378556728},{"word":"okay","start":1609.1599,"end":1609.6599,"confidence":0.93956625,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.02455443888902664},{"word":"oh","start":1649.675,"end":1649.915,"confidence":0.723127,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.18129362165927887},{"word":"that's","start":1649.915,"end":1650.235,"confidence":0.9913099,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.31958985328674316},{"word":"fantastic","start":1650.235,"end":1650.735,"confidence":0.9366529,"punctuated_word":"fantastic,","sentiment":"positive","sentiment_score":0.3380100727081299},{"word":"isn't","start":1650.875,"end":1651.275,"confidence":0.9941753,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":0.18676403164863584},{"word":"it","start":1651.275,"end":1651.775,"confidence":0.9977628,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.1078617125749588},{"word":"yeah","start":1653.515,"end":1654.015,"confidence":0.8265155,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01684458553791046},{"word":"80","start":1655.355,"end":1655.675,"confidence":0.9919339,"punctuated_word":"80","sentiment":"neutral","sentiment_score":0.01208025123924017},{"word":"8,000","start":1655.675,"end":1656.3351,"confidence":0.8782147,"punctuated_word":"8,000?","sentiment":"neutral","sentiment_score":0.009216850623488426},{"word":"beautiful","start":1656.395,"end":1656.895,"confidence":0.8471024,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.06111063063144684},{"word":"so","start":1661.5599,"end":1661.72,"confidence":0.42832378,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.001596333459019661},{"word":"that's","start":1661.72,"end":1662.2,"confidence":0.7284322,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.005839730612933636},{"word":"the","start":1662.2,"end":1662.2799,"confidence":0.8197106,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00012017227709293364},{"word":"80","start":1662.2799,"end":1662.5199,"confidence":0.9977915,"punctuated_word":"80","sentiment":"neutral","sentiment_score":0.0056787095963954926},{"word":"eight","start":1662.5199,"end":1662.6799,"confidence":0.9952501,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.004443813115358353},{"word":"thousand","start":1662.6799,"end":1663.1799,"confidence":0.98015535,"punctuated_word":"thousand.","sentiment":"neutral","sentiment_score":0.006376942154020071},{"word":"80","start":1671.1599,"end":1671.3999,"confidence":0.9609675,"punctuated_word":"80","sentiment":"neutral","sentiment_score":-0.00019664503633975983},{"word":"thousand","start":1671.3999,"end":1671.48,"confidence":0.7824755,"punctuated_word":"thousand.","sentiment":"neutral","sentiment_score":0.003026119899004698},{"word":"do","start":1671.48,"end":1671.6,"confidence":0.7403144,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.007217304781079292},{"word":"you","start":1671.6,"end":1671.72,"confidence":0.9916577,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0011085234582424164},{"word":"want","start":1671.72,"end":1671.96,"confidence":0.9784032,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.0076860710978508},{"word":"me","start":1671.96,"end":1672.0399,"confidence":0.9992582,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.008656302466988564},{"word":"to","start":1672.0399,"end":1672.215,"confidence":0.9065179,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.003787793219089508},{"word":"rounded","start":1672.2949,"end":1672.5349,"confidence":0.5944722,"punctuated_word":"rounded","sentiment":"neutral","sentiment_score":0.0032714642584323883},{"word":"off","start":1672.5349,"end":1672.615,"confidence":0.9758733,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.0025064758956432343},{"word":"to","start":1672.615,"end":1672.695,"confidence":0.98955613,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012168440967798231},{"word":"80,000","start":1672.695,"end":1673.575,"confidence":0.99964046,"punctuated_word":"80,000","sentiment":"neutral","sentiment_score":0.01355652417987585},{"word":"knowing","start":1673.575,"end":1673.895,"confidence":0.7075248,"punctuated_word":"knowing","sentiment":"neutral","sentiment_score":0.0361853763461113},{"word":"it","start":1673.895,"end":1674.0549,"confidence":0.9987588,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.008338844403624535},{"word":"could","start":1674.0549,"end":1674.215,"confidence":0.9996983,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.07884097099304199},{"word":"definitely","start":1674.215,"end":1674.5349,"confidence":0.9993905,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.1071399301290512},{"word":"change","start":1674.5349,"end":1674.855,"confidence":0.99864334,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.11229607462882996},{"word":"in","start":1674.855,"end":1675.015,"confidence":0.8905395,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07174822688102722},{"word":"the","start":1675.015,"end":1675.1749,"confidence":0.9941087,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05385338142514229},{"word":"future","start":1675.1749,"end":1675.575,"confidence":0.9928231,"punctuated_word":"future.","sentiment":"neutral","sentiment_score":0.07360571622848511},{"word":"yeah","start":1675.575,"end":1675.815,"confidence":0.78136647,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05547548830509186},{"word":"that's","start":1675.815,"end":1676.0149,"confidence":0.9568054,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07482051849365234},{"word":"absolutely","start":1676.215,"end":1676.715,"confidence":0.72109497,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.11375398933887482},{"word":"yeah","start":1679.735,"end":1680.135,"confidence":0.73994577,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2769728899002075},{"word":"beautiful","start":1680.135,"end":1680.615,"confidence":0.99514955,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7224369645118713},{"word":"and","start":1680.615,"end":1680.9349,"confidence":0.9921956,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3078037202358246},{"word":"with","start":1680.9349,"end":1681.095,"confidence":0.9989077,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.26102277636528015},{"word":"those","start":1681.095,"end":1681.4149,"confidence":0.9893568,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.30366331338882446},{"word":"shares","start":1681.4149,"end":1681.9149,"confidence":0.98627675,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.23802024126052856},{"word":"is","start":1682.135,"end":1682.375,"confidence":0.6915514,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12494296580553056},{"word":"the","start":1682.375,"end":1682.5349,"confidence":0.9996643,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11753851175308228},{"word":"intention","start":1682.5349,"end":1682.9349,"confidence":0.9998677,"punctuated_word":"intention","sentiment":"neutral","sentiment_score":-0.004966646432876587},{"word":"just","start":1682.9349,"end":1683.1749,"confidence":0.9951923,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1128380000591278},{"word":"to","start":1683.1749,"end":1683.335,"confidence":0.99804986,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09229565411806108},{"word":"keep","start":1683.335,"end":1683.495,"confidence":0.999841,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.09770499169826508},{"word":"holding","start":1683.495,"end":1683.895,"confidence":0.9981781,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":0.11116452515125276},{"word":"them","start":1683.895,"end":1684.0549,"confidence":0.9991841,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.0915355235338211},{"word":"until","start":1684.0549,"end":1684.5349,"confidence":0.9995059,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.0968211591243744},{"word":"you","start":1684.5349,"end":1684.775,"confidence":0.99953187,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01261235773563385},{"word":"need","start":1684.775,"end":1685.015,"confidence":0.9992341,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.016915418207645416},{"word":"to","start":1685.015,"end":1685.1749,"confidence":0.9940382,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016406632959842682},{"word":"sell","start":1685.1749,"end":1685.4149,"confidence":0.99813914,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.005789795890450478},{"word":"them","start":1685.4149,"end":1685.6549,"confidence":0.9997002,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.01244459766894579},{"word":"down","start":1685.6549,"end":1685.815,"confidence":0.99946266,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.02266070246696472},{"word":"the","start":1685.815,"end":1685.975,"confidence":0.99801,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019908666610717773},{"word":"track","start":1685.975,"end":1686.215,"confidence":0.9547003,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.029520085081458092},{"word":"maybe","start":1686.215,"end":1686.5349,"confidence":0.7620036,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.008021190762519836},{"word":"in","start":1686.5349,"end":1686.695,"confidence":0.9969914,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.021083462983369827},{"word":"retirement","start":1686.695,"end":1687.195,"confidence":0.87082404,"punctuated_word":"retirement?","sentiment":"neutral","sentiment_score":0.03116098046302795},{"word":"or","start":1687.32,"end":1687.82,"confidence":0.9983707,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.030742747709155083},{"word":"yep","start":1688.6,"end":1689.1,"confidence":0.84071875,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.08956847339868546},{"word":"yep","start":1689.3999,"end":1689.8999,"confidence":0.8797773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11333225667476654},{"word":"yep","start":1695.5599,"end":1696.0599,"confidence":0.9272282,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3209773898124695},{"word":"beautiful","start":1696.2799,"end":1696.7799,"confidence":0.99015784,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6522375345230103},{"word":"when","start":1697.48,"end":1697.6399,"confidence":0.9949102,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.22492733597755432},{"word":"we","start":1697.6399,"end":1697.7999,"confidence":0.99995196,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1903018057346344},{"word":"look","start":1697.7999,"end":1697.96,"confidence":0.99981755,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2353853285312653},{"word":"at","start":1697.96,"end":1698.12,"confidence":0.9996846,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.23058666288852692},{"word":"sort","start":1698.12,"end":1698.36,"confidence":0.98460835,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.28028449416160583},{"word":"of","start":1698.36,"end":1698.44,"confidence":0.95103186,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2415082156658173},{"word":"those","start":1698.44,"end":1698.6799,"confidence":0.96628296,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.160969078540802},{"word":"sorts","start":1698.6799,"end":1698.9199,"confidence":0.8559573,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.15081152319908142},{"word":"of","start":1698.9199,"end":1699.1599,"confidence":0.99879056,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1597328931093216},{"word":"shares","start":1699.1599,"end":1699.3999,"confidence":0.9969009,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.2037467360496521},{"word":"and","start":1699.3999,"end":1699.5599,"confidence":0.99889344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14217796921730042},{"word":"things","start":1699.5599,"end":1699.875,"confidence":0.9845756,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.17224377393722534},{"word":"realistically","start":1700.115,"end":1700.615,"confidence":0.97465587,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.13850578665733335},{"word":"selling","start":1700.915,"end":1701.235,"confidence":0.99926263,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.12958191335201263},{"word":"them","start":1701.235,"end":1701.555,"confidence":0.99972504,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1709875613451004},{"word":"when","start":1701.555,"end":1701.795,"confidence":0.9925241,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.07304209470748901},{"word":"you're","start":1701.795,"end":1701.955,"confidence":0.9963944,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.13406890630722046},{"word":"younger","start":1701.955,"end":1702.275,"confidence":0.98682594,"punctuated_word":"younger,","sentiment":"neutral","sentiment_score":0.11843684315681458},{"word":"when","start":1702.275,"end":1702.435,"confidence":0.99989057,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1446985900402069},{"word":"you're","start":1702.435,"end":1702.595,"confidence":0.9997604,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.13810287415981293},{"word":"still","start":1702.595,"end":1702.835,"confidence":0.9995982,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.12521575391292572},{"word":"working","start":1702.835,"end":1703.315,"confidence":0.95949036,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":0.1241951733827591},{"word":"obviously","start":1703.315,"end":1703.635,"confidence":0.9775901,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.13354697823524475},{"word":"there's","start":1703.635,"end":1703.875,"confidence":0.99907035,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.16404348611831665},{"word":"a","start":1703.875,"end":1703.955,"confidence":0.9976433,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17405283451080322},{"word":"cgt","start":1703.955,"end":1704.455,"confidence":0.98472095,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.0893365740776062},{"word":"effect","start":1704.595,"end":1704.835,"confidence":0.9878494,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":0.14169147610664368},{"word":"there","start":1704.835,"end":1704.995,"confidence":0.99263823,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.17732170224189758},{"word":"for","start":1704.995,"end":1705.235,"confidence":0.99979633,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17888325452804563},{"word":"you","start":1705.235,"end":1705.395,"confidence":0.99532056,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15793852508068085},{"word":"so","start":1705.395,"end":1705.555,"confidence":0.99960953,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12180810421705246},{"word":"if","start":1705.555,"end":1705.715,"confidence":0.99911386,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16325730085372925},{"word":"you","start":1705.715,"end":1705.795,"confidence":0.99773264,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1961326003074646},{"word":"can","start":1705.795,"end":1705.955,"confidence":0.99980897,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1433226466178894},{"word":"hold","start":1705.955,"end":1706.115,"confidence":0.9990978,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.1348934769630432},{"word":"on","start":1706.115,"end":1706.235,"confidence":0.91490597,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1820358783006668},{"word":"to","start":1706.235,"end":1706.355,"confidence":0.98740214,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15768757462501526},{"word":"them","start":1706.355,"end":1706.595,"confidence":0.99431944,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.16065704822540283},{"word":"and","start":1706.595,"end":1706.755,"confidence":0.85466266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13916821777820587},{"word":"don't","start":1706.755,"end":1706.995,"confidence":0.99582535,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.08557149022817612},{"word":"have","start":1706.995,"end":1707.235,"confidence":0.9993697,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13274064660072327},{"word":"to","start":1707.235,"end":1707.315,"confidence":0.9984756,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08751718699932098},{"word":"sell","start":1707.315,"end":1707.475,"confidence":0.99821424,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.04834534972906113},{"word":"them","start":1707.475,"end":1707.715,"confidence":0.9996612,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1175033450126648},{"word":"until","start":1707.715,"end":1708.215,"confidence":0.9985083,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.06267379969358444},{"word":"you","start":1708.435,"end":1708.595,"confidence":0.99890983,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12253272533416748},{"word":"get","start":1708.595,"end":1708.755,"confidence":0.9998957,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07797972857952118},{"word":"to","start":1708.755,"end":1708.995,"confidence":0.99671835,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09032465517520905},{"word":"retirement","start":1708.995,"end":1709.495,"confidence":0.9927468,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.1180899292230606},{"word":"then","start":1709.635,"end":1709.795,"confidence":0.9928939,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14013001322746277},{"word":"we","start":1709.795,"end":1709.955,"confidence":0.9997322,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1559423953294754},{"word":"can","start":1709.955,"end":1710.115,"confidence":0.9997441,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1475881189107895},{"word":"look","start":1710.115,"end":1710.275,"confidence":0.9994137,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1608012616634369},{"word":"at","start":1710.275,"end":1710.435,"confidence":0.99906474,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1188451275229454},{"word":"a","start":1710.435,"end":1710.515,"confidence":0.99620503,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2053113877773285},{"word":"way","start":1710.515,"end":1710.675,"confidence":0.99982053,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.17624208331108093},{"word":"to","start":1710.675,"end":1710.835,"confidence":0.9986889,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22246414422988892},{"word":"sell","start":1710.835,"end":1710.995,"confidence":0.99756193,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.15009619295597076},{"word":"them","start":1710.995,"end":1711.235,"confidence":0.9996482,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1290673166513443},{"word":"in","start":1711.235,"end":1711.315,"confidence":0.9963194,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13961593806743622},{"word":"retirement","start":1711.315,"end":1711.815,"confidence":0.8363494,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.16581279039382937},{"word":"so","start":1711.955,"end":1712.035,"confidence":0.9878231,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19042429327964783},{"word":"you're","start":1712.035,"end":1712.535,"confidence":0.79677093,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.21394513547420504},{"word":"hopefully","start":1712.595,"end":1712.995,"confidence":0.6891924,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":0.23372213542461395},{"word":"on","start":1712.995,"end":1713.075,"confidence":0.985201,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1993928849697113},{"word":"a","start":1713.075,"end":1713.235,"confidence":0.84377944,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1981234848499298},{"word":"lower","start":1713.235,"end":1713.555,"confidence":0.99952495,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.10319671779870988},{"word":"tax","start":1713.555,"end":1713.875,"confidence":0.9992582,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.13738621771335602},{"word":"rate","start":1713.875,"end":1714.195,"confidence":0.9569203,"punctuated_word":"rate,","sentiment":"neutral","sentiment_score":0.16978715360164642},{"word":"which","start":1714.195,"end":1714.435,"confidence":0.99860877,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1571788340806961},{"word":"can","start":1714.435,"end":1714.675,"confidence":0.986684,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11411360651254654},{"word":"affect","start":1714.675,"end":1715.04,"confidence":0.8928769,"punctuated_word":"affect","sentiment":"neutral","sentiment_score":0.1015666276216507},{"word":"make","start":1715.04,"end":1715.28,"confidence":0.98203075,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12371450662612916},{"word":"the","start":1715.28,"end":1715.4401,"confidence":0.9934542,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1368424892425537},{"word":"cgt","start":1715.4401,"end":1715.9401,"confidence":0.9367219,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.05178217217326164},{"word":"lesser","start":1716.0801,"end":1716.5801,"confidence":0.8030025,"punctuated_word":"lesser,","sentiment":"neutral","sentiment_score":0.12273144721984865},{"word":"and","start":1716.9601,"end":1717.12,"confidence":0.99967,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12722022831439972},{"word":"also","start":1717.12,"end":1717.4401,"confidence":0.77318835,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11015257984399796},{"word":"maybe","start":1717.4401,"end":1717.8401,"confidence":0.95147556,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.1511858105659485},{"word":"selling","start":1717.8401,"end":1718.16,"confidence":0.9980521,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.10434532910585403},{"word":"them","start":1718.16,"end":1718.4,"confidence":0.9993687,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1159985363483429},{"word":"down","start":1718.4,"end":1718.7201,"confidence":0.99974686,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.12895534932613373},{"word":"in","start":1718.7201,"end":1719.04,"confidence":0.9957883,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1409948319196701},{"word":"increments","start":1719.04,"end":1719.54,"confidence":0.9801958,"punctuated_word":"increments","sentiment":"neutral","sentiment_score":0.1359933763742447},{"word":"so","start":1719.6001,"end":1719.8401,"confidence":0.9883548,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.169327974319458},{"word":"that","start":1719.8401,"end":1719.92,"confidence":0.999915,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1804250031709671},{"word":"we","start":1719.92,"end":1720.16,"confidence":0.9997962,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17773957550525665},{"word":"can","start":1720.16,"end":1720.3201,"confidence":0.999166,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1661759316921234},{"word":"do","start":1720.3201,"end":1720.48,"confidence":0.9996679,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21588903665542605},{"word":"it","start":1720.48,"end":1720.64,"confidence":0.99947125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18933448195457456},{"word":"in","start":1720.64,"end":1720.8,"confidence":0.99944,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15400853753089905},{"word":"proportions","start":1720.8,"end":1721.3,"confidence":0.98875797,"punctuated_word":"proportions","sentiment":"neutral","sentiment_score":0.1794905066490173},{"word":"as","start":1721.52,"end":1721.6001,"confidence":0.9996984,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1752527505159378},{"word":"well","start":1721.6001,"end":1721.92,"confidence":0.9972161,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.16678352653980255},{"word":"so","start":1721.92,"end":1722.24,"confidence":0.99833775,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1440379023551941},{"word":"down","start":1722.24,"end":1722.48,"confidence":0.99888855,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.15210261940956116},{"word":"the","start":1722.48,"end":1722.64,"confidence":0.99648714,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1333293914794922},{"word":"track","start":1722.64,"end":1722.8,"confidence":0.99793315,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.11667025089263916},{"word":"when","start":1722.8,"end":1723.04,"confidence":0.7020479,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.15377408266067505},{"word":"that","start":1723.04,"end":1723.2001,"confidence":0.9990982,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15427228808403015},{"word":"comes","start":1723.2001,"end":1723.52,"confidence":0.9955195,"punctuated_word":"comes,","sentiment":"neutral","sentiment_score":0.1815217137336731},{"word":"we","start":1723.52,"end":1723.68,"confidence":0.99976283,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19199274480342865},{"word":"can","start":1723.68,"end":1723.8401,"confidence":0.99977237,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17673495411872864},{"word":"always","start":1723.8401,"end":1724.16,"confidence":0.99968743,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2183191478252411},{"word":"help","start":1724.16,"end":1724.3201,"confidence":0.9979157,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.21744123101234436},{"word":"them","start":1724.3201,"end":1724.48,"confidence":0.67130816,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.16724810004234314},{"word":"look","start":1724.48,"end":1724.64,"confidence":0.99554247,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1173333004117012},{"word":"at","start":1724.64,"end":1724.8,"confidence":0.99874204,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11801078915596008},{"word":"that","start":1724.8,"end":1725.04,"confidence":0.9996476,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15407615900039673},{"word":"for","start":1725.04,"end":1725.2001,"confidence":0.9996326,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12277303636074066},{"word":"you","start":1725.2001,"end":1725.7001,"confidence":0.99979985,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.12464820593595503},{"word":"okay","start":1725.8401,"end":1726.3401,"confidence":0.7742239,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1455305516719818},{"word":"excellent","start":1727.705,"end":1728.205,"confidence":0.99777454,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5941656827926636},{"word":"beautiful","start":1728.345,"end":1728.845,"confidence":0.99988383,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.601459264755249},{"word":"so","start":1729.385,"end":1729.705,"confidence":0.6734585,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21730560064315796},{"word":"i've","start":1729.705,"end":1729.9451,"confidence":0.99981165,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1748538613319397},{"word":"got","start":1729.9451,"end":1730.105,"confidence":0.99991643,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.16450320184230804},{"word":"everything","start":1730.105,"end":1730.585,"confidence":0.99990773,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.1504538506269455},{"word":"basically","start":1730.585,"end":1731.0651,"confidence":0.8985364,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.09247586876153946},{"word":"here","start":1731.0651,"end":1731.545,"confidence":0.9940522,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.10888221114873886},{"word":"you","start":1731.545,"end":1731.705,"confidence":0.9760694,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.011947942897677422},{"word":"mentioned","start":1731.705,"end":1732.105,"confidence":0.9151,"punctuated_word":"mentioned,","sentiment":"neutral","sentiment_score":0.01478705182671547},{"word":"sorry","start":1732.105,"end":1732.265,"confidence":0.9680636,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.020985430106520653},{"word":"with","start":1732.265,"end":1732.505,"confidence":0.9990482,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.01179002970457077},{"word":"the","start":1732.505,"end":1732.665,"confidence":0.9976144,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0002590753138065338},{"word":"willumburn","start":1732.665,"end":1733.165,"confidence":0.5125796,"punctuated_word":"Willumburn","sentiment":"neutral","sentiment_score":0.007414408028125763},{"word":"unit","start":1733.305,"end":1733.705,"confidence":0.81210977,"punctuated_word":"unit.","sentiment":"neutral","sentiment_score":-0.009477492421865463},{"word":"now","start":1733.705,"end":1733.865,"confidence":0.9956392,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.04954783618450165},{"word":"that","start":1733.865,"end":1734.025,"confidence":0.995021,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0895460769534111},{"word":"isn't","start":1734.025,"end":1734.425,"confidence":0.81496084,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.060500141233205795},{"word":"a","start":1734.425,"end":1734.585,"confidence":0.7622643,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0726049393415451},{"word":"will","start":1734.585,"end":1735.085,"confidence":0.9892603,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":-0.08846175670623779},{"word":"there's","start":1736.425,"end":1736.745,"confidence":0.9907924,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.07831069827079773},{"word":"no","start":1736.745,"end":1737.145,"confidence":0.99978,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.07814545929431915},{"word":"kind","start":1737.145,"end":1737.465,"confidence":0.9966858,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.07096777856349945},{"word":"of","start":1737.465,"end":1737.785,"confidence":0.9998863,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0719761848449707},{"word":"what","start":1737.9451,"end":1738.185,"confidence":0.9975793,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08080911636352539},{"word":"happens","start":1738.185,"end":1738.665,"confidence":0.99223316,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.07270200550556183},{"word":"to","start":1738.665,"end":1738.825,"confidence":0.99600357,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07744847238063812},{"word":"that","start":1738.825,"end":1738.985,"confidence":0.9995937,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06406523287296295},{"word":"property","start":1738.985,"end":1739.485,"confidence":0.9996979,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.07948082685470581},{"word":"when","start":1739.625,"end":1740.025,"confidence":0.9997211,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0888531506061554},{"word":"your","start":1740.025,"end":1740.425,"confidence":0.9988655,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09111148118972778},{"word":"parents","start":1740.425,"end":1740.925,"confidence":0.9988741,"punctuated_word":"parents","sentiment":"neutral","sentiment_score":-0.09642474353313446},{"word":"pass","start":1741.0651,"end":1741.225,"confidence":0.89949787,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.10808691382408142},{"word":"away","start":1741.225,"end":1741.545,"confidence":0.76547766,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":-0.06043768674135208},{"word":"and","start":1741.545,"end":1741.705,"confidence":0.9988741,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06735497713088989},{"word":"i'm","start":1741.705,"end":1741.865,"confidence":0.9981019,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08980309963226318},{"word":"sorry","start":1741.865,"end":1742.105,"confidence":0.99939024,"punctuated_word":"sorry","sentiment":"neutral","sentiment_score":-0.11841637641191484},{"word":"to","start":1742.105,"end":1742.345,"confidence":0.9727271,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1317860186100006},{"word":"sort","start":1742.345,"end":1742.505,"confidence":0.99563795,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.10279855132102966},{"word":"of","start":1742.505,"end":1742.585,"confidence":0.72467715,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11308276653289796},{"word":"touch","start":1742.585,"end":1742.82,"confidence":0.99805534,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":-0.1537601351737976},{"word":"on","start":1742.82,"end":1743.0599,"confidence":0.9998841,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.10571669042110445},{"word":"that","start":1743.0599,"end":1743.5599,"confidence":0.9097304,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.13858461380004883},{"word":"is","start":1743.86,"end":1744.1,"confidence":0.52324957,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.007647743448615074},{"word":"the","start":1744.1,"end":1744.34,"confidence":0.99612445,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0027119778096675873},{"word":"intention","start":1744.34,"end":1744.74,"confidence":0.9973947,"punctuated_word":"intention","sentiment":"neutral","sentiment_score":-0.017552122473716736},{"word":"to","start":1744.74,"end":1744.8999,"confidence":0.9908634,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005788747221231461},{"word":"then","start":1744.8999,"end":1745.1399,"confidence":0.9972905,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.006324548274278641},{"word":"keep","start":1745.1399,"end":1745.38,"confidence":0.99935216,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.001996561884880066},{"word":"it","start":1745.38,"end":1745.46,"confidence":0.9960044,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.013755954802036284},{"word":"and","start":1745.46,"end":1745.62,"confidence":0.9836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.004888512194156647},{"word":"rent","start":1745.62,"end":1745.86,"confidence":0.996203,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":0.03553364425897598},{"word":"it","start":1745.86,"end":1746.0199,"confidence":0.9990067,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.009000733494758606},{"word":"out","start":1746.0199,"end":1746.4199,"confidence":0.8543113,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.01209939457476139},{"word":"or","start":1746.4199,"end":1746.6599,"confidence":0.99914134,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.012275267392396929},{"word":"what","start":1746.6599,"end":1746.82,"confidence":0.9986517,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0192754864692688},{"word":"sort","start":1746.82,"end":1747.0599,"confidence":0.9796903,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.017098024487495422},{"word":"of","start":1747.0599,"end":1747.22,"confidence":0.99444467,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017173126339912415},{"word":"is","start":1747.22,"end":1747.2999,"confidence":0.9455358,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03184409812092781},{"word":"meant","start":1747.2999,"end":1747.46,"confidence":0.9994941,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":-0.02997877821326256},{"word":"to","start":1747.46,"end":1747.62,"confidence":0.99902046,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.012784287333488464},{"word":"happen","start":1747.62,"end":1747.94,"confidence":0.9995894,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.019871853291988373},{"word":"to","start":1747.94,"end":1748.0199,"confidence":0.9963799,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03648735582828522},{"word":"that","start":1748.0199,"end":1748.1799,"confidence":0.9920467,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.013102393597364426},{"word":"in","start":1748.1799,"end":1748.34,"confidence":0.9996921,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.008099187165498734},{"word":"the","start":1748.34,"end":1748.4199,"confidence":0.99913174,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.001848176121711731},{"word":"future","start":1748.4199,"end":1748.9199,"confidence":0.99925107,"punctuated_word":"future?","sentiment":"neutral","sentiment_score":0.002228742465376854},{"word":"yes","start":1752.1,"end":1752.6,"confidence":0.8520265,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.001031622290611267},{"word":"yes","start":1758.34,"end":1758.645,"confidence":0.78833413,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06900295615196228},{"word":"okay","start":1763.045,"end":1763.545,"confidence":0.99016076,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03818338364362717},{"word":"so","start":1764.165,"end":1764.665,"confidence":0.9840575,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01559913158416748},{"word":"possibility","start":1764.725,"end":1765.225,"confidence":0.92854345,"punctuated_word":"possibility","sentiment":"neutral","sentiment_score":0.04646074026823044},{"word":"to","start":1765.525,"end":1765.685,"confidence":0.99905366,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04177115857601166},{"word":"sell","start":1765.685,"end":1766.005,"confidence":0.99274194,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.0003701448440551758},{"word":"in","start":1766.005,"end":1766.165,"confidence":0.99976,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02803254872560501},{"word":"the","start":1766.165,"end":1766.405,"confidence":0.9994642,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023784756660461422},{"word":"future","start":1766.405,"end":1766.905,"confidence":0.98175824,"punctuated_word":"future.","sentiment":"neutral","sentiment_score":0.04668203741312027},{"word":"that's","start":1768.885,"end":1769.385,"confidence":0.8983915,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09149682521820068},{"word":"a","start":1769.765,"end":1770.005,"confidence":0.99667954,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10216544568538666},{"word":"long","start":1770.005,"end":1770.245,"confidence":0.9989355,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.11808034032583235},{"word":"time","start":1770.245,"end":1770.485,"confidence":0.9995413,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1150166317820549},{"word":"in","start":1770.485,"end":1770.645,"confidence":0.99806994,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10200120508670808},{"word":"the","start":1770.645,"end":1770.805,"confidence":0.9976865,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1344413459300995},{"word":"future","start":1770.805,"end":1771.125,"confidence":0.9813818,"punctuated_word":"future.","sentiment":"neutral","sentiment_score":0.17863810062408447},{"word":"your","start":1771.125,"end":1771.285,"confidence":0.89728814,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.23604723811149597},{"word":"parents","start":1771.285,"end":1771.74,"confidence":0.99824274,"punctuated_word":"parents","sentiment":"neutral","sentiment_score":0.2974465787410736},{"word":"have","start":1771.74,"end":1771.9,"confidence":0.9986248,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.28001436591148376},{"word":"a","start":1771.9,"end":1772.0599,"confidence":0.9984549,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27409660816192627},{"word":"nice","start":1772.0599,"end":1772.22,"confidence":0.99986506,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.32510995864868164},{"word":"long","start":1772.22,"end":1772.54,"confidence":0.6518051,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2716555893421173},{"word":"life","start":1772.54,"end":1772.86,"confidence":0.9956512,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.29207080602645874},{"word":"ahead","start":1772.86,"end":1773.1,"confidence":0.9997991,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.25623780488967896},{"word":"of","start":1773.1,"end":1773.26,"confidence":0.99946004,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2840386927127838},{"word":"them","start":1773.26,"end":1773.74,"confidence":0.9982803,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.22407731413841248},{"word":"that's","start":1773.74,"end":1773.98,"confidence":0.99932325,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2876405417919159},{"word":"what","start":1773.98,"end":1774.22,"confidence":0.9994562,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.32754218578338623},{"word":"we","start":1774.22,"end":1774.38,"confidence":0.99953866,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2542574107646942},{"word":"want","start":1774.38,"end":1774.88,"confidence":0.99776506,"punctuated_word":"want.","sentiment":"neutral","sentiment_score":0.2427222281694412},{"word":"beautiful","start":1776.62,"end":1777.12,"confidence":0.6618137,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.1121671348810196},{"word":"yep","start":1781.74,"end":1782.24,"confidence":0.9302758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011428690515458584},{"word":"yep","start":1782.86,"end":1783.11,"confidence":0.9275471,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.013967121951282024},{"word":"yep","start":1783.11,"end":1783.61,"confidence":0.77839994,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023541100323200222},{"word":"no","start":1784.4349,"end":1784.755,"confidence":0.99605966,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.015931276604533195},{"word":"that's","start":1784.755,"end":1785.075,"confidence":0.999508,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10607409477233888},{"word":"okay","start":1785.075,"end":1785.5549,"confidence":0.99936724,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.10406218469142914},{"word":"not","start":1785.5549,"end":1785.7949,"confidence":0.9991474,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.31369641423225403},{"word":"a","start":1785.7949,"end":1785.955,"confidence":0.99980277,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2926465570926666},{"word":"problem","start":1785.955,"end":1786.355,"confidence":0.999915,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.3172425925731659},{"word":"at","start":1786.355,"end":1786.515,"confidence":0.9998016,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.35018739104270935},{"word":"all","start":1786.515,"end":1786.835,"confidence":0.99958205,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.3777809143066406},{"word":"excellent","start":1786.835,"end":1787.235,"confidence":0.9997952,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.7014422416687012},{"word":"well","start":1787.235,"end":1787.475,"confidence":0.9990548,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.5459999442100525},{"word":"thank","start":1787.475,"end":1787.635,"confidence":0.9997434,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.7430221438407898},{"word":"you","start":1787.635,"end":1787.7949,"confidence":0.9998272,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6741237640380859},{"word":"for","start":1787.7949,"end":1788.035,"confidence":0.99956006,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6286325454711914},{"word":"updating","start":1788.035,"end":1788.4349,"confidence":0.9998179,"punctuated_word":"updating","sentiment":"positive","sentiment_score":0.5887346267700195},{"word":"those","start":1788.4349,"end":1788.9349,"confidence":0.9994259,"punctuated_word":"those.","sentiment":"positive","sentiment_score":0.5162757635116577},{"word":"now","start":1789.7949,"end":1790.2949,"confidence":0.71608305,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.19391202926635745},{"word":"just","start":1790.4349,"end":1790.835,"confidence":0.99492246,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12938329577445984},{"word":"sort","start":1790.835,"end":1790.995,"confidence":0.8191663,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1040896475315094},{"word":"of","start":1790.995,"end":1791.155,"confidence":0.987922,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10482820123434068},{"word":"re","start":1791.155,"end":1791.475,"confidence":0.81322354,"punctuated_word":"re","sentiment":"neutral","sentiment_score":0.10414544492959976},{"word":"going","start":1791.5549,"end":1791.7949,"confidence":0.99859303,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.09691593796014786},{"word":"back","start":1791.7949,"end":1791.955,"confidence":0.999658,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1289312094449997},{"word":"to","start":1791.955,"end":1792.115,"confidence":0.9980698,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15488995611667633},{"word":"the","start":1792.115,"end":1792.195,"confidence":0.9709326,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1536397486925125},{"word":"estate","start":1792.195,"end":1792.515,"confidence":0.93248695,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.1164039671421051},{"word":"planning","start":1792.515,"end":1792.835,"confidence":0.9996507,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.13578560948371887},{"word":"side","start":1792.835,"end":1793.075,"confidence":0.73398805,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.15674349665641785},{"word":"of","start":1793.075,"end":1793.235,"confidence":0.9872913,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1324843466281891},{"word":"things","start":1793.235,"end":1793.715,"confidence":0.8314101,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.08847060799598694},{"word":"last","start":1793.715,"end":1793.955,"confidence":0.9959169,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.06547342240810394},{"word":"time","start":1793.955,"end":1794.115,"confidence":0.9987055,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07498584687709808},{"word":"we","start":1794.115,"end":1794.275,"confidence":0.82547617,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07371428608894348},{"word":"sort","start":1794.275,"end":1794.515,"confidence":0.96278477,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08163899928331375},{"word":"of","start":1794.515,"end":1794.595,"confidence":0.9092928,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08682161569595337},{"word":"touched","start":1794.595,"end":1794.835,"confidence":0.63139087,"punctuated_word":"touched","sentiment":"neutral","sentiment_score":0.10090965777635574},{"word":"base","start":1794.835,"end":1794.995,"confidence":0.9726667,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.07085926830768585},{"word":"with","start":1794.995,"end":1795.235,"confidence":0.98380023,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08530672639608383},{"word":"both","start":1795.235,"end":1795.395,"confidence":0.99689376,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.10295205563306808},{"word":"of","start":1795.395,"end":1795.635,"confidence":0.99484164,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1160057932138443},{"word":"you","start":1795.635,"end":1795.875,"confidence":0.8932084,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.10201363265514374},{"word":"both","start":1795.875,"end":1796.115,"confidence":0.7728652,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.07872286438941956},{"word":"confirmed","start":1796.115,"end":1796.515,"confidence":0.9002909,"punctuated_word":"confirmed","sentiment":"neutral","sentiment_score":0.08656663447618484},{"word":"you","start":1796.515,"end":1796.6749,"confidence":0.9707972,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05932876467704773},{"word":"had","start":1796.6749,"end":1796.91,"confidence":0.97664875,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.05981576442718506},{"word":"an","start":1796.91,"end":1797.0701,"confidence":0.9953884,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06930282711982727},{"word":"upstate","start":1797.0701,"end":1797.55,"confidence":0.8633044,"punctuated_word":"upstate","sentiment":"neutral","sentiment_score":0.07345634698867798},{"word":"will","start":1797.55,"end":1797.87,"confidence":0.98338425,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.10842890292406082},{"word":"and","start":1797.87,"end":1798.11,"confidence":0.9736439,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07070740312337875},{"word":"power","start":1798.11,"end":1798.43,"confidence":0.9972927,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.11544132232666016},{"word":"of","start":1798.43,"end":1798.5901,"confidence":0.99496114,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12606731057167053},{"word":"attorneys","start":1798.5901,"end":1799.0901,"confidence":0.9168994,"punctuated_word":"attorneys.","sentiment":"neutral","sentiment_score":0.0739762932062149},{"word":"do","start":1799.31,"end":1799.55,"confidence":0.6639456,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.017420439049601555},{"word":"those","start":1799.55,"end":1799.87,"confidence":0.98653525,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.019349142909049988},{"word":"documents","start":1799.87,"end":1800.35,"confidence":0.7826112,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":0.011676556430757046},{"word":"have","start":1800.35,"end":1800.51,"confidence":0.9996754,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01767469011247158},{"word":"they","start":1800.51,"end":1800.75,"confidence":0.99978393,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.02846451662480831},{"word":"been","start":1800.75,"end":1800.99,"confidence":0.9850227,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.02644834667444229},{"word":"reviewed","start":1800.99,"end":1801.4701,"confidence":0.9997936,"punctuated_word":"reviewed","sentiment":"neutral","sentiment_score":0.04493258148431778},{"word":"in","start":1801.4701,"end":1801.55,"confidence":0.99977916,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.015228791162371635},{"word":"the","start":1801.55,"end":1801.7101,"confidence":0.99958843,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.041520558297634125},{"word":"past","start":1801.7101,"end":1802.2101,"confidence":0.9948995,"punctuated_word":"past?","sentiment":"neutral","sentiment_score":0.03703934699296951},{"word":"are","start":1802.27,"end":1802.51,"confidence":0.98371905,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.010752255097031592},{"word":"they","start":1802.51,"end":1802.75,"confidence":0.9994624,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.017609206959605217},{"word":"still","start":1802.75,"end":1803.0701,"confidence":0.99980134,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0002879500389099121},{"word":"do","start":1803.31,"end":1803.55,"confidence":0.99083215,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.00844569317996502},{"word":"do","start":1803.55,"end":1803.79,"confidence":0.87559086,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.009652797132730484},{"word":"you","start":1803.79,"end":1803.9501,"confidence":0.9790785,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005708228796720505},{"word":"know","start":1803.9501,"end":1804.03,"confidence":0.9995976,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.010185681283473969},{"word":"are","start":1804.11,"end":1804.27,"confidence":0.9990798,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.004306614398956299},{"word":"they","start":1804.27,"end":1804.43,"confidence":0.9996748,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.004836812615394592},{"word":"still","start":1804.43,"end":1804.67,"confidence":0.9995851,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.010972749441862106},{"word":"reflective","start":1804.67,"end":1805.17,"confidence":0.999206,"punctuated_word":"reflective","sentiment":"neutral","sentiment_score":0.006356764584779739},{"word":"of","start":1805.23,"end":1805.31,"confidence":0.9995165,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012919284403324127},{"word":"your","start":1805.31,"end":1805.4701,"confidence":0.9994616,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0035242922604084015},{"word":"current","start":1805.4701,"end":1805.9701,"confidence":0.999897,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.008758381009101868},{"word":"circumstances","start":1806.11,"end":1806.61,"confidence":0.9873156,"punctuated_word":"circumstances?","sentiment":"neutral","sentiment_score":0.01049310527741909},{"word":"do","start":1806.8301,"end":1806.99,"confidence":0.99958235,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.02001055888831615},{"word":"you","start":1806.99,"end":1807.0701,"confidence":0.99957925,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017765264958143234},{"word":"feel","start":1807.0701,"end":1807.31,"confidence":0.99963105,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.04456886649131775},{"word":"like","start":1807.31,"end":1807.4701,"confidence":0.7165578,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.03496791422367096},{"word":"they","start":1807.4701,"end":1807.63,"confidence":0.9963347,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.037081629037857056},{"word":"need","start":1807.63,"end":1807.87,"confidence":0.99910444,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.03303433954715729},{"word":"to","start":1807.87,"end":1807.9501,"confidence":0.9994404,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.024275407195091248},{"word":"be","start":1807.9501,"end":1808.1901,"confidence":0.99927527,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03456208109855652},{"word":"updated","start":1808.1901,"end":1808.67,"confidence":0.9993905,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":-0.01943511888384819},{"word":"at","start":1808.67,"end":1808.955,"confidence":0.9971107,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.035107024013996124},{"word":"all","start":1810.315,"end":1810.815,"confidence":0.99819934,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.07334908843040466},{"word":"nope","start":1812.235,"end":1812.735,"confidence":0.83364666,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.09035831689834596},{"word":"yes","start":1813.835,"end":1814.335,"confidence":0.7000396,"punctuated_word":"Yes?","sentiment":"neutral","sentiment_score":-0.00030110031366348267},{"word":"beautiful","start":1816.075,"end":1816.575,"confidence":0.8692026,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.05384436249732971},{"word":"no","start":1816.955,"end":1817.355,"confidence":0.80042434,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.02031244710087776},{"word":"beautiful","start":1817.355,"end":1817.755,"confidence":0.9719595,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.30139410495758057},{"word":"i","start":1817.755,"end":1818.255,"confidence":0.54896736,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24748489260673523},{"word":"love","start":1819.6749,"end":1820.075,"confidence":0.6592641,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.7189706563949585},{"word":"that","start":1820.075,"end":1820.575,"confidence":0.9118356,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6137070655822754},{"word":"yeah","start":1835.56,"end":1836.06,"confidence":0.9753958,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07879243791103363},{"word":"lovely","start":1836.36,"end":1836.645,"confidence":0.80051607,"punctuated_word":"Lovely.","sentiment":"neutral","sentiment_score":0.15997961163520813},{"word":"yeah","start":1838.005,"end":1838.505,"confidence":0.9951744,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1617312729358673},{"word":"lovely","start":1838.5651,"end":1839.0651,"confidence":0.9987314,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.4212181270122528},{"word":"excellent","start":1839.125,"end":1839.625,"confidence":0.9994496,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.49819380044937134},{"word":"all","start":1839.925,"end":1840.165,"confidence":0.9903031,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5051158666610718},{"word":"good","start":1840.165,"end":1840.665,"confidence":0.99963796,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4103257954120636},{"word":"and","start":1841.285,"end":1841.685,"confidence":0.7562291,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0782032236456871},{"word":"now","start":1841.685,"end":1842.005,"confidence":0.9907261,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.07494165748357773},{"word":"your","start":1842.005,"end":1842.165,"confidence":0.9900393,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06562675535678864},{"word":"daughter","start":1842.165,"end":1842.645,"confidence":0.9935477,"punctuated_word":"daughter,","sentiment":"neutral","sentiment_score":0.03937644511461258},{"word":"she","start":1842.645,"end":1842.965,"confidence":0.9923098,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.028109999373555183},{"word":"is","start":1842.965,"end":1843.0449,"confidence":0.70675033,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.026043061167001724},{"word":"is","start":1843.125,"end":1843.365,"confidence":0.9701339,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.021807707846164703},{"word":"she","start":1843.365,"end":1843.605,"confidence":0.9986437,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.03069972991943359},{"word":"older","start":1843.605,"end":1843.925,"confidence":0.9988568,"punctuated_word":"older","sentiment":"neutral","sentiment_score":0.03702796623110771},{"word":"than","start":1843.925,"end":1844.245,"confidence":0.99905246,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.031803444027900696},{"word":"18","start":1844.245,"end":1844.645,"confidence":0.9995772,"punctuated_word":"18","sentiment":"neutral","sentiment_score":0.03727807104587555},{"word":"or","start":1844.645,"end":1844.805,"confidence":0.99567896,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01505918987095356},{"word":"under","start":1844.805,"end":1845.125,"confidence":0.99958795,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.048285480588674545},{"word":"18","start":1845.125,"end":1845.525,"confidence":0.9953226,"punctuated_word":"18?","sentiment":"neutral","sentiment_score":0.030402902513742447},{"word":"how","start":1845.525,"end":1845.765,"confidence":0.99968016,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.0013027405366301537},{"word":"old","start":1845.765,"end":1846.005,"confidence":0.99983716,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.004773449152708054},{"word":"is","start":1846.005,"end":1846.165,"confidence":0.99891937,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0011718571186065674},{"word":"she","start":1846.165,"end":1846.665,"confidence":0.99985063,"punctuated_word":"she?","sentiment":"neutral","sentiment_score":0.009898718446493149},{"word":"28","start":1848.5651,"end":1849.2051,"confidence":0.9276495,"punctuated_word":"28.","sentiment":"neutral","sentiment_score":0.05296169593930245},{"word":"beautiful","start":1849.2051,"end":1849.685,"confidence":0.9378969,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.30700773000717163},{"word":"working","start":1849.685,"end":1850.165,"confidence":0.99814343,"punctuated_word":"Working","sentiment":"neutral","sentiment_score":0.1294504851102829},{"word":"nontax","start":1850.165,"end":1850.665,"confidence":0.75195974,"punctuated_word":"nontax","sentiment":"neutral","sentiment_score":0.1652497947216034},{"word":"nonfinancial","start":1851.045,"end":1851.545,"confidence":0.8096292,"punctuated_word":"nonfinancial","sentiment":"neutral","sentiment_score":0.14736931025981903},{"word":"dependent","start":1851.83,"end":1852.03,"confidence":0.8401244,"punctuated_word":"dependent.","sentiment":"neutral","sentiment_score":0.12264426052570344},{"word":"do","start":1852.03,"end":1852.23,"confidence":0.98919195,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.05806700885295868},{"word":"you","start":1852.23,"end":1852.31,"confidence":0.999356,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08713994175195694},{"word":"guys","start":1852.31,"end":1852.63,"confidence":0.9994074,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.1194523349404335},{"word":"still","start":1852.63,"end":1852.87,"confidence":0.997797,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.09293930232524872},{"word":"help","start":1852.87,"end":1853.11,"confidence":0.970021,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.10013646632432938},{"word":"her","start":1853.11,"end":1853.19,"confidence":0.92654175,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.10429272055625916},{"word":"in","start":1853.19,"end":1853.35,"confidence":0.99801266,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0921783298254013},{"word":"any","start":1853.35,"end":1853.59,"confidence":0.9959791,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0894554927945137},{"word":"way","start":1853.59,"end":1854.09,"confidence":0.9940356,"punctuated_word":"way?","sentiment":"neutral","sentiment_score":0.07837991416454315},{"word":"independent","start":1857.83,"end":1858.33,"confidence":0.8789649,"punctuated_word":"Independent?","sentiment":"neutral","sentiment_score":0.03866240754723549},{"word":"lovely","start":1858.79,"end":1859.29,"confidence":0.8124525,"punctuated_word":"Lovely.","sentiment":"neutral","sentiment_score":0.23589831590652463},{"word":"oh","start":1862.95,"end":1863.03,"confidence":0.9893628,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.30156004428863525},{"word":"beautiful","start":1863.03,"end":1863.53,"confidence":0.9926889,"punctuated_word":"beautiful.","sentiment":"neutral","sentiment_score":0.3166433870792389},{"word":"rancho","start":1864.71,"end":1865.21,"confidence":0.6511092,"punctuated_word":"Rancho.","sentiment":"neutral","sentiment_score":0.15058128535747528},{"word":"excellent","start":1865.735,"end":1866.235,"confidence":0.98112607,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.2107623666524887},{"word":"do","start":1866.4551,"end":1866.6951,"confidence":0.9060479,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.01969839259982109},{"word":"you","start":1866.6951,"end":1866.775,"confidence":0.9928059,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02673325315117836},{"word":"have","start":1866.775,"end":1866.935,"confidence":0.99956816,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01392123568803072},{"word":"a","start":1866.935,"end":1867.0951,"confidence":0.9989291,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.016327502205967903},{"word":"boy","start":1867.0951,"end":1867.415,"confidence":0.8254107,"punctuated_word":"boy,","sentiment":"neutral","sentiment_score":-0.05515794456005096},{"word":"girl","start":1867.415,"end":1867.915,"confidence":0.78230906,"punctuated_word":"girl?","sentiment":"neutral","sentiment_score":-0.01407626923173666},{"word":"no","start":1870.375,"end":1870.775,"confidence":0.82528305,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07294799387454987},{"word":"no","start":1870.775,"end":1871.0951,"confidence":0.88104904,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09685677289962769},{"word":"so","start":1871.0951,"end":1871.3351,"confidence":0.7643282,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09688591957092284},{"word":"i'm","start":1871.3351,"end":1871.495,"confidence":0.9974534,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10394109785556792},{"word":"quite","start":1871.495,"end":1871.8151,"confidence":0.9983407,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.11845733225345612},{"word":"not","start":1871.8151,"end":1872.135,"confidence":0.997669,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.09425270557403564},{"word":"i've","start":1872.135,"end":1872.295,"confidence":0.99979377,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.05112667009234429},{"word":"got","start":1872.295,"end":1872.535,"confidence":0.9998572,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.02916598320007324},{"word":"my","start":1872.535,"end":1872.775,"confidence":0.9540266,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.008424140512943268},{"word":"eldest","start":1872.775,"end":1873.175,"confidence":0.9692621,"punctuated_word":"eldest","sentiment":"neutral","sentiment_score":-0.016761090606451035},{"word":"two","start":1873.175,"end":1873.655,"confidence":0.5764035,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.019704880192875866},{"word":"19","start":1873.655,"end":1874.135,"confidence":0.89103943,"punctuated_word":"19","sentiment":"neutral","sentiment_score":0.039187148213386536},{"word":"and","start":1874.135,"end":1874.375,"confidence":0.9911225,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013771183788776398},{"word":"20","start":1874.375,"end":1874.875,"confidence":0.97049284,"punctuated_word":"20,","sentiment":"neutral","sentiment_score":0.03636917844414711},{"word":"and","start":1875.0951,"end":1875.255,"confidence":0.99957687,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0033723413944244385},{"word":"my","start":1875.255,"end":1875.495,"confidence":0.9998418,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.00905512273311615},{"word":"youngest","start":1875.495,"end":1875.895,"confidence":0.99991965,"punctuated_word":"youngest","sentiment":"neutral","sentiment_score":0.017652016133069992},{"word":"is","start":1875.895,"end":1876.135,"confidence":0.9957267,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.008302286267280579},{"word":"10","start":1876.135,"end":1876.4551,"confidence":0.7649348,"punctuated_word":"10,","sentiment":"neutral","sentiment_score":0.012754920870065687},{"word":"so","start":1876.4551,"end":1876.6951,"confidence":0.99958223,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.002241220325231552},{"word":"we're","start":1876.6951,"end":1876.935,"confidence":0.9994288,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.00163048948161304},{"word":"not","start":1876.935,"end":1877.175,"confidence":0.9998204,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.010246910154819489},{"word":"quite","start":1877.175,"end":1877.495,"confidence":0.9995753,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.010192271322011948},{"word":"there","start":1877.495,"end":1877.735,"confidence":0.99762934,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.02599499374628067},{"word":"yet","start":1877.735,"end":1878.03,"confidence":0.99098766,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.015466764569282532},{"word":"we","start":1878.11,"end":1878.27,"confidence":0.9986992,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.02323157712817192},{"word":"had","start":1878.27,"end":1878.39,"confidence":0.99672747,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.019025888293981552},{"word":"a","start":1878.39,"end":1878.51,"confidence":0.99377525,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.062206417322158813},{"word":"third","start":1878.51,"end":1879.01,"confidence":0.9955059,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.07748892903327942},{"word":"a","start":1879.15,"end":1879.23,"confidence":0.691131,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0399971529841423},{"word":"few","start":1879.23,"end":1879.47,"confidence":0.99837,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.02591186761856079},{"word":"years","start":1879.47,"end":1879.79,"confidence":0.99664474,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.04019628465175629},{"word":"apart","start":1879.79,"end":1880.29,"confidence":0.77335036,"punctuated_word":"apart.","sentiment":"neutral","sentiment_score":0.05110369622707367},{"word":"but","start":1881.0701,"end":1881.31,"confidence":0.6009081,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.24067959189414975},{"word":"he","start":1881.31,"end":1881.55,"confidence":0.9988745,"punctuated_word":"he","sentiment":"positive","sentiment_score":0.4912242293357849},{"word":"is","start":1881.55,"end":1881.7101,"confidence":0.9718308,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5452699065208435},{"word":"honestly","start":1881.7101,"end":1882.1901,"confidence":0.9854731,"punctuated_word":"honestly","sentiment":"positive","sentiment_score":0.51273512840271},{"word":"really","start":1882.1901,"end":1882.51,"confidence":0.99637336,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5234742760658264},{"word":"cool","start":1882.51,"end":1882.8301,"confidence":0.9987464,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.43410494923591614},{"word":"i","start":1882.8301,"end":1882.99,"confidence":0.99470997,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27108004689216614},{"word":"kind","start":1882.99,"end":1883.23,"confidence":0.98064435,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.19663259387016296},{"word":"of","start":1883.23,"end":1883.31,"confidence":0.9978532,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2766970098018646},{"word":"like","start":1883.31,"end":1883.55,"confidence":0.9826665,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.31934210658073425},{"word":"the","start":1883.55,"end":1883.79,"confidence":0.99560755,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35376811027526855},{"word":"boy","start":1883.79,"end":1884.11,"confidence":0.998171,"punctuated_word":"boy","sentiment":"neutral","sentiment_score":0.31853440403938293},{"word":"as","start":1884.11,"end":1884.27,"confidence":0.9931599,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18769711256027224},{"word":"well","start":1884.27,"end":1884.67,"confidence":0.99666303,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.20571617782115936},{"word":"as","start":1884.67,"end":1884.8301,"confidence":0.9745069,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20939725637435913},{"word":"having","start":1884.8301,"end":1885.15,"confidence":0.9990243,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.3814079463481903},{"word":"girls","start":1885.15,"end":1885.55,"confidence":0.98775613,"punctuated_word":"girls.","sentiment":"neutral","sentiment_score":0.24498748779296875},{"word":"it's","start":1885.55,"end":1885.7101,"confidence":0.9934364,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03663261234760285},{"word":"a","start":1885.7101,"end":1885.87,"confidence":0.9881827,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0973203033208847},{"word":"very","start":1885.87,"end":1886.1901,"confidence":0.9972916,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.03473693132400513},{"word":"different","start":1886.1901,"end":1886.67,"confidence":0.99446565,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.004228711128234863},{"word":"vibe","start":1886.67,"end":1887.17,"confidence":0.9954879,"punctuated_word":"vibe.","sentiment":"neutral","sentiment_score":0.05420319363474846},{"word":"no","start":1889.55,"end":1889.79,"confidence":0.8736157,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0016265623271465302},{"word":"that's","start":1889.79,"end":1890.03,"confidence":0.98118746,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2757579982280731},{"word":"beautiful","start":1890.03,"end":1890.525,"confidence":0.8693962,"punctuated_word":"beautiful.","sentiment":"neutral","sentiment_score":0.30170702934265137},{"word":"yeah","start":1892.925,"end":1893.165,"confidence":0.9794883,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09253059327602386},{"word":"how","start":1893.165,"end":1893.405,"confidence":0.9260094,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.05994360148906708},{"word":"do","start":1893.405,"end":1893.645,"confidence":0.9993913,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.052817270159721375},{"word":"you","start":1893.645,"end":1893.725,"confidence":0.99963295,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14277401566505432},{"word":"like","start":1893.725,"end":1893.965,"confidence":0.99325365,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.24536381661891937},{"word":"being","start":1893.965,"end":1894.2051,"confidence":0.99568,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.199289470911026},{"word":"grandparents","start":1894.2051,"end":1894.7051,"confidence":0.9958172,"punctuated_word":"grandparents?","sentiment":"neutral","sentiment_score":-0.0045912787318229675},{"word":"i've","start":1895.005,"end":1895.3251,"confidence":0.9988928,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.0708976611495018},{"word":"always","start":1895.3251,"end":1895.5651,"confidence":0.99961394,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.07824337482452393},{"word":"sort","start":1895.5651,"end":1895.725,"confidence":0.9885096,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0819520354270935},{"word":"of","start":1895.725,"end":1896.045,"confidence":0.99338865,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05040339380502701},{"word":"thought","start":1896.045,"end":1896.365,"confidence":0.74522173,"punctuated_word":"thought,","sentiment":"neutral","sentiment_score":0.06638139486312866},{"word":"like","start":1896.365,"end":1896.525,"confidence":0.9838226,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07336217164993286},{"word":"i'm","start":1896.525,"end":1896.685,"confidence":0.99976003,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04972332715988159},{"word":"sure","start":1896.685,"end":1896.845,"confidence":0.99928373,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.05347977951169014},{"word":"that's","start":1896.845,"end":1897.0851,"confidence":0.9937006,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05834893882274628},{"word":"coming","start":1897.0851,"end":1897.3251,"confidence":0.9925297,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.07872270792722702},{"word":"up","start":1897.3251,"end":1897.485,"confidence":0.9961687,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.06801589578390121},{"word":"in","start":1897.485,"end":1897.645,"confidence":0.92803013,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07351331412792206},{"word":"the","start":1897.645,"end":1897.805,"confidence":0.9935229,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06692074984312057},{"word":"horizon","start":1897.805,"end":1898.2051,"confidence":0.9386651,"punctuated_word":"horizon","sentiment":"neutral","sentiment_score":0.06830781698226929},{"word":"for","start":1898.2051,"end":1898.365,"confidence":0.9411,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09528782963752748},{"word":"me","start":1898.365,"end":1898.525,"confidence":0.823058,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.0745781660079956},{"word":"but","start":1898.525,"end":1898.605,"confidence":0.99896455,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05984888970851898},{"word":"how","start":1898.605,"end":1898.765,"confidence":0.99892575,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.034862712025642395},{"word":"do","start":1898.765,"end":1898.925,"confidence":0.99777967,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03752243518829346},{"word":"you","start":1898.925,"end":1899.005,"confidence":0.99812454,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08067035675048828},{"word":"guys","start":1899.005,"end":1899.3251,"confidence":0.9994628,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.1345730870962143},{"word":"feel","start":1899.3251,"end":1899.5651,"confidence":0.98437554,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.09883661568164824},{"word":"being","start":1899.5651,"end":1899.805,"confidence":0.9969823,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.14305345714092255},{"word":"grandparents","start":1899.805,"end":1900.305,"confidence":0.9965025,"punctuated_word":"grandparents?","sentiment":"neutral","sentiment_score":0.12895378470420835},{"word":"how","start":1900.365,"end":1900.525,"confidence":0.9996183,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.13845551013946533},{"word":"do","start":1900.525,"end":1900.605,"confidence":0.99976534,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18255501985549927},{"word":"you","start":1900.605,"end":1900.765,"confidence":0.999801,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2398478388786316},{"word":"like","start":1900.765,"end":1900.925,"confidence":0.999461,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.3243216872215271},{"word":"it","start":1900.925,"end":1901.165,"confidence":0.9970923,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.22882437705993652},{"word":"what's","start":1901.165,"end":1901.405,"confidence":0.9934255,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.12821009755134585},{"word":"the","start":1901.405,"end":1901.905,"confidence":0.99862397,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.098426915705204},{"word":"the","start":1902.4451,"end":1902.605,"confidence":0.98149145,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34335872530937195},{"word":"vibe","start":1902.605,"end":1903.005,"confidence":0.7877877,"punctuated_word":"vibe","sentiment":"positive","sentiment_score":0.37192386388778687},{"word":"feel","start":1903.005,"end":1903.505,"confidence":0.9257904,"punctuated_word":"feel?","sentiment":"neutral","sentiment_score":0.3031145930290222},{"word":"i","start":1905.165,"end":1905.405,"confidence":0.9580281,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5915752649307251},{"word":"bet","start":1905.405,"end":1905.905,"confidence":0.99700344,"punctuated_word":"bet.","sentiment":"positive","sentiment_score":0.4618980586528778},{"word":"oh","start":1907.8201,"end":1907.98,"confidence":0.9480485,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.26487529277801514},{"word":"you","start":1907.98,"end":1908.22,"confidence":0.997437,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2921062111854553},{"word":"get","start":1908.22,"end":1908.38,"confidence":0.99876934,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.22295638918876648},{"word":"to","start":1908.38,"end":1908.46,"confidence":0.9987924,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18955472111701965},{"word":"say","start":1908.46,"end":1908.7001,"confidence":0.99934024,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.11391505599021912},{"word":"yes","start":1908.7001,"end":1909.2001,"confidence":0.98867035,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.16456325352191925},{"word":"oh","start":1918.7001,"end":1919.1,"confidence":0.97615016,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.2037390172481537},{"word":"i","start":1919.1,"end":1919.26,"confidence":0.9971992,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3458462059497833},{"word":"love","start":1919.26,"end":1919.58,"confidence":0.9991757,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.4499830901622772},{"word":"that","start":1919.58,"end":1919.74,"confidence":0.99562705,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.35196298360824585},{"word":"you","start":1919.74,"end":1919.9,"confidence":0.9995419,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.08254745602607727},{"word":"get","start":1919.9,"end":1920.06,"confidence":0.998577,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1913207769393921},{"word":"to","start":1920.06,"end":1920.22,"confidence":0.99895716,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20554199814796448},{"word":"say","start":1920.22,"end":1920.38,"confidence":0.99868196,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.26682281494140625},{"word":"yes","start":1920.38,"end":1920.62,"confidence":0.99304044,"punctuated_word":"yes","sentiment":"neutral","sentiment_score":0.2104724198579788},{"word":"all","start":1920.62,"end":1920.78,"confidence":0.95781106,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.15139999985694885},{"word":"the","start":1920.78,"end":1920.9401,"confidence":0.9961254,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08496858179569244},{"word":"time","start":1920.9401,"end":1921.1,"confidence":0.99967694,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1822291761636734},{"word":"when","start":1921.1,"end":1921.26,"confidence":0.8407484,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1408025175333023},{"word":"mom","start":1921.26,"end":1921.5,"confidence":0.9239816,"punctuated_word":"mom","sentiment":"neutral","sentiment_score":0.08142226934432983},{"word":"would","start":1921.5,"end":1921.66,"confidence":0.99987435,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10714086145162582},{"word":"probably","start":1921.66,"end":1922.085,"confidence":0.9994804,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1510404497385025},{"word":"say","start":1922.085,"end":1922.325,"confidence":0.99992645,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.1600708365440369},{"word":"no","start":1922.325,"end":1922.825,"confidence":0.99503493,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.14512592554092407},{"word":"oh","start":1924.885,"end":1925.125,"confidence":0.9800527,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.601489782333374},{"word":"that","start":1925.125,"end":1925.365,"confidence":0.99945873,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7411198019981384},{"word":"is","start":1925.365,"end":1925.6849,"confidence":0.9999417,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7535738348960876},{"word":"absolutely","start":1925.6849,"end":1926.1849,"confidence":0.9999021,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.7363989949226379},{"word":"beautiful","start":1926.325,"end":1926.825,"confidence":0.99992913,"punctuated_word":"beautiful.","sentiment":"positive","sentiment_score":0.7851601839065552},{"word":"i","start":1926.885,"end":1927.0449,"confidence":0.99980074,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.8292160630226135},{"word":"love","start":1927.0449,"end":1927.2849,"confidence":0.9999416,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.8671258687973022},{"word":"that","start":1927.2849,"end":1927.5249,"confidence":0.99983585,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.835952877998352},{"word":"that's","start":1927.5249,"end":1927.845,"confidence":0.99989825,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.8562729358673096},{"word":"fantastic","start":1927.845,"end":1928.345,"confidence":0.99951667,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7926642894744873},{"word":"and","start":1929.5249,"end":1929.9249,"confidence":0.50376695,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.24237792193889615},{"word":"beneficiary","start":1929.9249,"end":1930.4249,"confidence":0.97122407,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.2697020471096039},{"word":"wise","start":1930.645,"end":1931.145,"confidence":0.9785638,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.13961726427078247},{"word":"in","start":1931.2849,"end":1931.445,"confidence":0.9492831,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12810678780078888},{"word":"the","start":1931.445,"end":1931.605,"confidence":0.99991584,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10758857429027556},{"word":"event","start":1931.605,"end":1932.005,"confidence":0.9393383,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.10757441073656082},{"word":"of","start":1932.005,"end":1932.245,"confidence":0.96116996,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0682295486330986},{"word":"passing","start":1932.245,"end":1932.725,"confidence":0.9924546,"punctuated_word":"passing,","sentiment":"neutral","sentiment_score":0.09902895987033844},{"word":"am","start":1932.725,"end":1932.885,"confidence":0.999501,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.06306523829698563},{"word":"i","start":1932.885,"end":1933.125,"confidence":0.9997751,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0681273490190506},{"word":"correct","start":1933.125,"end":1933.365,"confidence":0.9955831,"punctuated_word":"correct","sentiment":"neutral","sentiment_score":0.08267422020435333},{"word":"in","start":1933.365,"end":1933.605,"confidence":0.9930864,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.052406683564186096},{"word":"assuming","start":1933.605,"end":1934.105,"confidence":0.9966959,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.0870874896645546},{"word":"that","start":1934.1649,"end":1934.4049,"confidence":0.99896955,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07440481334924698},{"word":"if","start":1934.4049,"end":1934.485,"confidence":0.99583495,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1089475154876709},{"word":"anything","start":1934.485,"end":1934.885,"confidence":0.999887,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.1227257177233696},{"word":"happened","start":1934.885,"end":1935.205,"confidence":0.8685728,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":0.08426131308078766},{"word":"to","start":1935.205,"end":1935.445,"confidence":0.99965644,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05316854640841484},{"word":"either","start":1935.445,"end":1935.6849,"confidence":0.9999305,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.09825851023197174},{"word":"of","start":1935.6849,"end":1935.845,"confidence":0.99957687,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08555012941360474},{"word":"you","start":1935.845,"end":1936.005,"confidence":0.99972814,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0702057033777237},{"word":"that","start":1936.005,"end":1936.245,"confidence":0.7014553,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07137924432754517},{"word":"you","start":1936.245,"end":1936.4049,"confidence":0.99971133,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06372036039829254},{"word":"just","start":1936.4049,"end":1936.725,"confidence":0.9984281,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0742516964673996},{"word":"want","start":1936.725,"end":1937.0449,"confidence":0.99916434,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0998508408665657},{"word":"each","start":1937.0449,"end":1937.205,"confidence":0.9996369,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.12056711316108704},{"word":"other","start":1937.205,"end":1937.52,"confidence":0.9991166,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.10714775323867798},{"word":"to","start":1937.68,"end":1937.76,"confidence":0.9533224,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1191977560520172},{"word":"receive","start":1937.76,"end":1938.0,"confidence":0.99872595,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.13798505067825317},{"word":"the","start":1938.0,"end":1938.4,"confidence":0.9976808,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11499541252851486},{"word":"super","start":1938.4,"end":1938.72,"confidence":0.9246566,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.0719735249876976},{"word":"benefits","start":1938.72,"end":1939.22,"confidence":0.9570255,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":0.06470595300197601},{"word":"and","start":1939.28,"end":1939.4401,"confidence":0.8830415,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05285368859767914},{"word":"any","start":1939.4401,"end":1939.68,"confidence":0.99972314,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07413497567176819},{"word":"life","start":1939.68,"end":1940.0,"confidence":0.93981874,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.08455819636583328},{"word":"portions","start":1940.0,"end":1940.5,"confidence":0.9689846,"punctuated_word":"portions","sentiment":"neutral","sentiment_score":0.07819529622793198},{"word":"paid","start":1940.56,"end":1940.8,"confidence":0.99095553,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.06898245960474014},{"word":"out","start":1940.8,"end":1941.04,"confidence":0.9329251,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.09259410202503204},{"word":"is","start":1941.04,"end":1941.2001,"confidence":0.9997336,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.06307712197303772},{"word":"that","start":1941.2001,"end":1941.36,"confidence":0.99997187,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08114124834537506},{"word":"correct","start":1941.36,"end":1941.86,"confidence":0.99987507,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.08090218901634216},{"word":"yep","start":1943.28,"end":1943.68,"confidence":0.88339007,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1062772199511528},{"word":"beautiful","start":1943.68,"end":1944.0801,"confidence":0.99922884,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.286864310503006},{"word":"i","start":1944.0801,"end":1944.3201,"confidence":0.99929154,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09254631400108336},{"word":"know","start":1944.3201,"end":1944.48,"confidence":0.9999275,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.07301173359155655},{"word":"i","start":1944.48,"end":1944.56,"confidence":0.99962485,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0705215334892273},{"word":"had","start":1944.56,"end":1944.8,"confidence":0.9996171,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.059765495359897614},{"word":"all","start":1944.8,"end":1944.96,"confidence":0.99988794,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0969984382390976},{"word":"of","start":1944.96,"end":1945.04,"confidence":0.999198,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0931173712015152},{"word":"this","start":1945.04,"end":1945.36,"confidence":0.95981723,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0543428435921669},{"word":"in","start":1945.36,"end":1945.52,"confidence":0.999736,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.061436086893081665},{"word":"your","start":1945.52,"end":1945.68,"confidence":0.99987113,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08475640416145325},{"word":"last","start":1945.68,"end":1945.92,"confidence":0.9994404,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.07473878562450409},{"word":"two","start":1945.92,"end":1946.16,"confidence":0.9969637,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0852171927690506},{"word":"advice","start":1946.16,"end":1946.56,"confidence":0.9337166,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.09637151658535004},{"word":"documents","start":1946.56,"end":1947.06,"confidence":0.907799,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":0.0633983239531517},{"word":"but","start":1947.12,"end":1947.36,"confidence":0.99955827,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.011928534135222437},{"word":"because","start":1947.36,"end":1947.6,"confidence":0.9992949,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.018382715061306953},{"word":"i'm","start":1947.6,"end":1947.84,"confidence":0.99973744,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.030669480562210083},{"word":"doing","start":1947.84,"end":1948.0801,"confidence":0.99982977,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.04415004700422287},{"word":"it","start":1948.0801,"end":1948.24,"confidence":0.99979514,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04890231043100357},{"word":"again","start":1948.24,"end":1948.74,"confidence":0.9975837,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.055279649794101715},{"word":"i'm","start":1949.04,"end":1949.2001,"confidence":0.99843645,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07027243822813034},{"word":"gonna","start":1949.2001,"end":1949.52,"confidence":0.99771935,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09372107684612274},{"word":"update","start":1949.52,"end":1949.92,"confidence":0.99982613,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.0648542195558548},{"word":"all","start":1949.92,"end":1950.0801,"confidence":0.99981123,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05235155671834946},{"word":"those","start":1950.0801,"end":1950.4,"confidence":0.9945365,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0636228695511818},{"word":"aspects","start":1950.4,"end":1950.88,"confidence":0.9989435,"punctuated_word":"aspects","sentiment":"neutral","sentiment_score":0.04529771953821182},{"word":"as","start":1950.88,"end":1951.04,"confidence":0.99980205,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04957173764705658},{"word":"well","start":1951.04,"end":1951.2001,"confidence":0.9919467,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.05747675150632858},{"word":"so","start":1951.2001,"end":1951.4401,"confidence":0.995285,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04178880155086517},{"word":"this","start":1951.4401,"end":1951.6,"confidence":0.99935347,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03583506494760513},{"word":"will","start":1951.6,"end":1951.76,"confidence":0.9821477,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.04491035267710686},{"word":"be","start":1951.76,"end":1951.92,"confidence":0.99815995,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04704328626394272},{"word":"a","start":1951.92,"end":1952.0,"confidence":0.99625254,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.044210515916347504},{"word":"pretty","start":1952.0,"end":1952.24,"confidence":0.99755245,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.03640323877334595},{"word":"big","start":1952.24,"end":1952.475,"confidence":0.97223085,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.05309867486357689},{"word":"advice","start":1952.635,"end":1952.955,"confidence":0.9564413,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.03705140948295593},{"word":"piece","start":1952.955,"end":1953.195,"confidence":0.8386564,"punctuated_word":"piece,","sentiment":"neutral","sentiment_score":0.03042188286781311},{"word":"but","start":1953.195,"end":1953.4349,"confidence":0.9993754,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05678597837686539},{"word":"that's","start":1953.4349,"end":1953.755,"confidence":0.99969316,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07390778511762619},{"word":"absolutely","start":1953.755,"end":1954.235,"confidence":0.99078405,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.07488075643777847},{"word":"fine","start":1954.235,"end":1954.715,"confidence":0.99943006,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.07380853593349457},{"word":"it'll","start":1954.715,"end":1955.035,"confidence":0.92823946,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.054959870874881744},{"word":"touch","start":1955.035,"end":1955.275,"confidence":0.99614316,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.0463109016418457},{"word":"base","start":1955.275,"end":1955.515,"confidence":0.9964194,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.05181504786014557},{"word":"on","start":1955.515,"end":1955.6749,"confidence":0.99412656,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06565399467945099},{"word":"everything","start":1955.6749,"end":1956.075,"confidence":0.9993913,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.06839582324028015},{"word":"we've","start":1956.075,"end":1956.235,"confidence":0.99918187,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.052640579640865326},{"word":"gone","start":1956.235,"end":1956.475,"confidence":0.99821436,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.07978077232837677},{"word":"through","start":1956.475,"end":1956.635,"confidence":0.9968676,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05293191224336624},{"word":"and","start":1956.635,"end":1956.7949,"confidence":0.9375207,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06357452273368835},{"word":"just","start":1956.7949,"end":1956.955,"confidence":0.9931016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07753471285104752},{"word":"update","start":1956.955,"end":1957.355,"confidence":0.99894756,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.06170528382062912},{"word":"all","start":1957.355,"end":1957.4349,"confidence":0.9951153,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07987530529499054},{"word":"of","start":1957.4349,"end":1957.515,"confidence":0.9958255,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06730512529611588},{"word":"your","start":1957.515,"end":1957.835,"confidence":0.9916569,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.055005427449941635},{"word":"circumstances","start":1957.835,"end":1958.335,"confidence":0.9984143,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":0.062113381922245026},{"word":"as","start":1958.635,"end":1958.715,"confidence":0.9878692,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08998845517635345},{"word":"well","start":1958.715,"end":1959.195,"confidence":0.98848903,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.06424502283334732},{"word":"okay","start":1959.195,"end":1959.695,"confidence":0.95173234,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.03333445265889168},{"word":"it's","start":1961.355,"end":1961.595,"confidence":0.8633741,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0018363501876592636},{"word":"yeah","start":1966.7949,"end":1967.2949,"confidence":0.97357976,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03792712092399597},{"word":"yeah","start":1967.89,"end":1967.97,"confidence":0.63877195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07776759564876556},{"word":"absolutely","start":1967.97,"end":1968.37,"confidence":0.90097415,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.13587181270122528},{"word":"definitely","start":1968.37,"end":1968.87,"confidence":0.9971996,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.16408996284008026},{"word":"and","start":1969.09,"end":1969.33,"confidence":0.9977064,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10835205018520357},{"word":"that's","start":1969.33,"end":1969.57,"confidence":0.9998108,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.09218423068523408},{"word":"the","start":1969.57,"end":1969.65,"confidence":0.9931591,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09578392654657364},{"word":"other","start":1969.65,"end":1969.8099,"confidence":0.9993623,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.10547780990600586},{"word":"thing","start":1969.8099,"end":1970.0499,"confidence":0.99948597,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.08580049872398376},{"word":"i","start":1970.0499,"end":1970.21,"confidence":0.9988931,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06822887063026428},{"word":"sorta","start":1970.21,"end":1970.53,"confidence":0.7514441,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.07860706001520157},{"word":"wanted","start":1970.53,"end":1970.85,"confidence":0.9990414,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.0684431865811348},{"word":"to","start":1970.85,"end":1970.9299,"confidence":0.99472815,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06943800300359726},{"word":"touch","start":1970.9299,"end":1971.1699,"confidence":0.9997868,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.06388850510120392},{"word":"base","start":1971.1699,"end":1971.49,"confidence":0.9953074,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.06779152154922485},{"word":"on","start":1971.49,"end":1971.65,"confidence":0.9967489,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07722212374210358},{"word":"was","start":1971.65,"end":1971.97,"confidence":0.993786,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.040632374584674835},{"word":"something","start":1972.0499,"end":1972.45,"confidence":0.6125003,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.033940400928258896},{"word":"i","start":1972.45,"end":1972.53,"confidence":0.98863333,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02254302054643631},{"word":"couldn't","start":1972.53,"end":1972.85,"confidence":0.9978429,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":0.02229676209390163},{"word":"sorta","start":1972.85,"end":1973.09,"confidence":0.90821886,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.01362740620970726},{"word":"touch","start":1973.09,"end":1973.33,"confidence":0.9957508,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.006437532603740692},{"word":"base","start":1973.33,"end":1973.57,"confidence":0.9888165,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.028753120452165604},{"word":"on","start":1973.57,"end":1973.73,"confidence":0.9974452,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04157300665974617},{"word":"before","start":1973.73,"end":1974.21,"confidence":0.9923583,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.043731339275836945},{"word":"so","start":1974.21,"end":1974.61,"confidence":0.93601173,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.07771345227956772},{"word":"obviously","start":1974.61,"end":1975.11,"confidence":0.9989723,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.07155490666627884},{"word":"with","start":1975.1699,"end":1975.6699,"confidence":0.74227226,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.08486078679561615},{"word":"scott","start":1976.21,"end":1976.45,"confidence":0.9633974,"punctuated_word":"Scott,","sentiment":"neutral","sentiment_score":0.08720942586660385},{"word":"you're","start":1976.45,"end":1976.61,"confidence":0.93070644,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08662372082471848},{"word":"and","start":1976.77,"end":1977.01,"confidence":0.9676042,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10485543310642242},{"word":"you're","start":1977.01,"end":1977.33,"confidence":0.9778844,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0910511463880539},{"word":"comfortable","start":1977.33,"end":1977.65,"confidence":0.9996531,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.06117627397179603},{"word":"i","start":1977.8099,"end":1977.89,"confidence":0.8843828,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13703429698944092},{"word":"just","start":1977.89,"end":1978.13,"confidence":0.9962614,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13469170033931732},{"word":"have","start":1978.13,"end":1978.29,"confidence":0.99679667,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13054662942886353},{"word":"to","start":1978.29,"end":1978.45,"confidence":0.99890494,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09910475462675096},{"word":"confirm","start":1978.45,"end":1978.9299,"confidence":0.79018474,"punctuated_word":"confirm,","sentiment":"neutral","sentiment_score":0.10470958054065704},{"word":"scott","start":1978.9299,"end":1979.09,"confidence":0.9697367,"punctuated_word":"Scott,","sentiment":"neutral","sentiment_score":0.10450064390897752},{"word":"you're","start":1979.09,"end":1979.33,"confidence":0.99794674,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09893475472927094},{"word":"comfortable","start":1979.33,"end":1979.73,"confidence":0.9992248,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.0753403753042221},{"word":"with","start":1979.73,"end":1979.89,"confidence":0.99855024,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11763236671686172},{"word":"me","start":1979.89,"end":1980.0499,"confidence":0.9980731,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1089549884200096},{"word":"talking","start":1980.0499,"end":1980.37,"confidence":0.9988304,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.1006774976849556},{"word":"about","start":1980.37,"end":1980.61,"confidence":0.9923724,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1045919582247734},{"word":"your","start":1980.61,"end":1980.855,"confidence":0.96902084,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12481179088354112},{"word":"super","start":1981.015,"end":1981.495,"confidence":0.89157367,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.13240483403205872},{"word":"are","start":1981.495,"end":1981.815,"confidence":0.99937636,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.07306244969367981},{"word":"you","start":1981.815,"end":1982.135,"confidence":0.9998286,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12447862327098846},{"word":"happy","start":1982.135,"end":1982.455,"confidence":0.9998123,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.18591591715812683},{"word":"with","start":1982.455,"end":1982.615,"confidence":0.9970901,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1966322809457779},{"word":"this","start":1982.615,"end":1982.9349,"confidence":0.5193075,"punctuated_word":"this?","sentiment":"neutral","sentiment_score":0.1680645048618317},{"word":"yep","start":1982.9349,"end":1983.255,"confidence":0.8552582,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10483859479427338},{"word":"perfect","start":1983.255,"end":1983.575,"confidence":0.99441135,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.25220945477485657},{"word":"lisa","start":1983.575,"end":1983.895,"confidence":0.952647,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":0.09375055134296416},{"word":"you're","start":1983.895,"end":1984.0549,"confidence":0.9969349,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.10345568507909776},{"word":"happy","start":1984.0549,"end":1984.2949,"confidence":0.999683,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.11404015123844148},{"word":"with","start":1984.2949,"end":1984.455,"confidence":0.99874216,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11641649156808852},{"word":"me","start":1984.455,"end":1984.535,"confidence":0.998743,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10489612817764282},{"word":"talking","start":1984.535,"end":1984.855,"confidence":0.99929523,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.11249608546495438},{"word":"about","start":1984.855,"end":1985.015,"confidence":0.99737537,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10755325853824615},{"word":"your","start":1985.015,"end":1985.335,"confidence":0.9984725,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.027546897530555725},{"word":"super","start":1985.335,"end":1985.575,"confidence":0.9837869,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.06748843193054199},{"word":"balances","start":1985.575,"end":1985.975,"confidence":0.9091927,"punctuated_word":"balances","sentiment":"neutral","sentiment_score":0.07497207075357437},{"word":"and","start":1985.975,"end":1986.135,"confidence":0.9872804,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06156020238995552},{"word":"things","start":1986.135,"end":1986.535,"confidence":0.8829365,"punctuated_word":"things?","sentiment":"neutral","sentiment_score":0.08458451926708221},{"word":"yep","start":1986.535,"end":1986.775,"confidence":0.97818434,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07506267726421356},{"word":"perfect","start":1986.775,"end":1987.275,"confidence":0.9995906,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.18160337209701535},{"word":"just","start":1987.735,"end":1987.975,"confidence":0.9786082,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.0636482834815979},{"word":"wanna","start":1987.975,"end":1988.2949,"confidence":0.9962515,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.04146040976047516},{"word":"make","start":1988.2949,"end":1988.455,"confidence":0.9985839,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.025985196232795715},{"word":"sure","start":1988.455,"end":1988.695,"confidence":0.999683,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.03549034148454666},{"word":"i","start":1988.695,"end":1988.775,"confidence":0.9992901,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.002881959080696106},{"word":"did","start":1988.775,"end":1988.9349,"confidence":0.70990545,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.020082496106624603},{"word":"the","start":1988.9349,"end":1989.015,"confidence":0.9991592,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024092204868793488},{"word":"right","start":1989.015,"end":1989.1749,"confidence":0.99970895,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.0015152469277381897},{"word":"thing","start":1989.1749,"end":1989.415,"confidence":0.99858785,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.02325216680765152},{"word":"by","start":1989.415,"end":1989.655,"confidence":0.9701671,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.003983762115240097},{"word":"both","start":1989.655,"end":1990.155,"confidence":0.87636465,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":0.07734677195549011},{"word":"essentially","start":1991.975,"end":1992.475,"confidence":0.9108484,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.056444521993398666},{"word":"with","start":1992.775,"end":1993.015,"confidence":0.99140584,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0959884375333786},{"word":"your","start":1993.015,"end":1993.255,"confidence":0.79534763,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1437754184007645},{"word":"super","start":1993.255,"end":1993.495,"confidence":0.80015236,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.12559343874454498},{"word":"so","start":1993.575,"end":1993.815,"confidence":0.82887554,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.08761991560459137},{"word":"scott","start":1993.815,"end":1994.0549,"confidence":0.9986187,"punctuated_word":"Scott,","sentiment":"neutral","sentiment_score":0.11549174785614014},{"word":"you're","start":1994.0549,"end":1994.2949,"confidence":0.9921287,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08763962984085083},{"word":"in","start":1994.2949,"end":1994.455,"confidence":0.9963748,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08164724707603455},{"word":"hub","start":1994.455,"end":1994.695,"confidence":0.7177833,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.07577688992023468},{"word":"24","start":1994.695,"end":1995.255,"confidence":0.998943,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.0821835845708847},{"word":"at","start":1995.255,"end":1995.415,"confidence":0.9980616,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07181607186794281},{"word":"the","start":1995.415,"end":1995.575,"confidence":0.9989579,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09712202847003935},{"word":"moment","start":1995.575,"end":1995.975,"confidence":0.9482368,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.1055554300546646},{"word":"and","start":1995.975,"end":1996.135,"confidence":0.99289614,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10477198660373688},{"word":"one","start":1996.135,"end":1996.2949,"confidence":0.99658835,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.11897947639226912},{"word":"of","start":1996.2949,"end":1996.375,"confidence":0.99734676,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06857304275035858},{"word":"the","start":1996.375,"end":1996.455,"confidence":0.9964198,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10921114683151244},{"word":"things","start":1996.455,"end":1996.83,"confidence":0.7617876,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.11933866143226624},{"word":"when","start":1996.83,"end":1996.99,"confidence":0.77486885,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1189270168542862},{"word":"we","start":1996.99,"end":1997.07,"confidence":0.9961272,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14016707241535187},{"word":"sort","start":1997.07,"end":1997.23,"confidence":0.9928213,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08956091850996017},{"word":"of","start":1997.23,"end":1997.3099,"confidence":0.83057845,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11605741828680038},{"word":"did","start":1997.3099,"end":1997.5499,"confidence":0.99823004,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.11010147631168364},{"word":"your","start":1997.5499,"end":1997.71,"confidence":0.99590755,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1355232298374176},{"word":"advice","start":1997.71,"end":1998.0299,"confidence":0.8523648,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.13338911533355713},{"word":"lisa","start":1998.0299,"end":1998.2699,"confidence":0.98626965,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":0.13353735208511353},{"word":"we","start":1998.2699,"end":1998.4299,"confidence":0.97414434,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2295425236225128},{"word":"did","start":1998.4299,"end":1998.6699,"confidence":0.8608856,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.24162201583385468},{"word":"recommend","start":1998.6699,"end":1999.07,"confidence":0.99958736,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.19254136085510257},{"word":"moving","start":1999.07,"end":1999.39,"confidence":0.99971443,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.15339012444019318},{"word":"into","start":1999.39,"end":1999.71,"confidence":0.9387305,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.12148331850767136},{"word":"hub","start":1999.71,"end":1999.95,"confidence":0.9757061,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.08679916709661484},{"word":"24","start":1999.95,"end":2000.7699,"confidence":0.9910729,"punctuated_word":"24.","sentiment":"neutral","sentiment_score":0.1301947385072708},{"word":"one","start":2001.1499,"end":2001.39,"confidence":0.5611409,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.017213091254234314},{"word":"of","start":2001.39,"end":2001.47,"confidence":0.99564016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011652737855911257},{"word":"the","start":2001.47,"end":2001.5499,"confidence":0.98467284,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.040502652525901794},{"word":"things","start":2001.5499,"end":2001.7899,"confidence":0.99908125,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.0362372100353241},{"word":"i","start":2001.7899,"end":2001.95,"confidence":0.99570966,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17025624215602875},{"word":"was","start":2001.95,"end":2002.19,"confidence":0.9989693,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.28354039788246155},{"word":"not","start":2002.19,"end":2002.35,"confidence":0.9991793,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4144151210784912},{"word":"able","start":2002.35,"end":2002.59,"confidence":0.9997824,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.25886231660842896},{"word":"to","start":2002.59,"end":2002.83,"confidence":0.9994491,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21235918998718264},{"word":"recommend","start":2002.83,"end":2003.23,"confidence":0.9997414,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":-0.1307363361120224},{"word":"at","start":2003.23,"end":2003.3099,"confidence":0.9993925,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.21134412288665771},{"word":"the","start":2003.3099,"end":2003.47,"confidence":0.98269,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.32872384786605835},{"word":"time","start":2003.47,"end":2003.71,"confidence":0.9999485,"punctuated_word":"time","sentiment":"negative","sentiment_score":-0.34949731826782227},{"word":"because","start":2003.71,"end":2004.0299,"confidence":0.5407713,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.165092796087265},{"word":"i","start":2004.0299,"end":2004.11,"confidence":0.9997235,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19174811244010925},{"word":"didn't","start":2004.11,"end":2004.35,"confidence":0.9999657,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.14109301567077637},{"word":"have","start":2004.35,"end":2004.59,"confidence":0.999841,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.09651294350624084},{"word":"both","start":2004.59,"end":2004.83,"confidence":0.99916863,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.1624317765235901},{"word":"of","start":2004.83,"end":2004.99,"confidence":0.99839634,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20842836797237396},{"word":"you","start":2004.99,"end":2005.1499,"confidence":0.9986085,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11242417991161346},{"word":"there","start":2005.1499,"end":2005.39,"confidence":0.9970577,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.13862283527851105},{"word":"was","start":2005.39,"end":2005.63,"confidence":0.98093385,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.16626855731010437},{"word":"linking","start":2005.63,"end":2006.0299,"confidence":0.9983816,"punctuated_word":"linking","sentiment":"neutral","sentiment_score":-0.031206734478473663},{"word":"your","start":2006.0299,"end":2006.11,"confidence":0.85777235,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06048663705587387},{"word":"supers","start":2006.11,"end":2006.51,"confidence":0.958927,"punctuated_word":"supers","sentiment":"neutral","sentiment_score":-0.05908909812569618},{"word":"together","start":2006.51,"end":2007.01,"confidence":0.99915904,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":-0.0984012633562088},{"word":"this","start":2007.3099,"end":2007.47,"confidence":0.9989256,"punctuated_word":"This","sentiment":"positive","sentiment_score":0.5720762014389038},{"word":"is","start":2007.47,"end":2007.63,"confidence":0.9922598,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6348719000816345},{"word":"actually","start":2007.63,"end":2007.95,"confidence":0.99953556,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.6310948133468628},{"word":"great","start":2007.95,"end":2008.19,"confidence":0.99978846,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6761993169784546},{"word":"because","start":2008.19,"end":2008.4299,"confidence":0.90885234,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.5193364024162292},{"word":"we","start":2008.4299,"end":2008.51,"confidence":0.9990415,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.6288034319877625},{"word":"can","start":2008.51,"end":2008.845,"confidence":0.99940014,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6271284818649292},{"word":"talk","start":2008.845,"end":2009.085,"confidence":0.9977149,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.7317072749137878},{"word":"about","start":2009.085,"end":2009.325,"confidence":0.9998115,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.7469564080238342},{"word":"that","start":2009.325,"end":2009.725,"confidence":0.9980167,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6498225331306458},{"word":"essentially","start":2009.725,"end":2010.205,"confidence":0.9960209,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.14397430419921875},{"word":"what","start":2010.205,"end":2010.445,"confidence":0.99978155,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1754177212715149},{"word":"we","start":2010.445,"end":2010.525,"confidence":0.9999428,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.20409126579761505},{"word":"do","start":2010.525,"end":2010.765,"confidence":0.7919092,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.19953012466430664},{"word":"if","start":2010.765,"end":2010.9249,"confidence":0.9992061,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2473333179950714},{"word":"i","start":2010.9249,"end":2011.1649,"confidence":0.9990434,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19461360573768616},{"word":"recommend","start":2011.1649,"end":2011.565,"confidence":0.9671468,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.25833991169929504},{"word":"it","start":2011.565,"end":2011.645,"confidence":0.7892716,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.19623830914497375},{"word":"i","start":2011.645,"end":2011.885,"confidence":0.97502476,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1989416927099228},{"word":"probably","start":2011.885,"end":2012.205,"confidence":0.99788684,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.2213056683540344},{"word":"will","start":2012.205,"end":2012.525,"confidence":0.99968123,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.22630351781845093},{"word":"because","start":2012.525,"end":2012.765,"confidence":0.97073865,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.18685583770275116},{"word":"it","start":2012.765,"end":2012.9249,"confidence":0.9994723,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2638534903526306},{"word":"works","start":2012.9249,"end":2013.1649,"confidence":0.9864891,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.2735312879085541},{"word":"out","start":2013.1649,"end":2013.485,"confidence":0.99270517,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.24672609567642212},{"word":"better","start":2013.485,"end":2013.985,"confidence":0.9186414,"punctuated_word":"better,","sentiment":"neutral","sentiment_score":0.1268809288740158},{"word":"but","start":2014.205,"end":2014.365,"confidence":0.9995821,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.10731080174446106},{"word":"i","start":2014.365,"end":2014.525,"confidence":0.99976784,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.024349920451641083},{"word":"will","start":2014.525,"end":2014.765,"confidence":0.9997856,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.05070027709007263},{"word":"still","start":2014.765,"end":2015.005,"confidence":0.9995865,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07111500948667526},{"word":"do","start":2015.005,"end":2015.245,"confidence":0.9996395,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09899815917015076},{"word":"my","start":2015.245,"end":2015.405,"confidence":0.9996346,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.12116144597530364},{"word":"due","start":2015.405,"end":2015.565,"confidence":0.99772507,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.07548416405916214},{"word":"diligence","start":2015.565,"end":2015.965,"confidence":0.99972576,"punctuated_word":"diligence","sentiment":"neutral","sentiment_score":0.06040336191654205},{"word":"and","start":2015.965,"end":2016.205,"confidence":0.99424005,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08386173844337463},{"word":"go","start":2016.205,"end":2016.365,"confidence":0.99993694,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.14585068821907043},{"word":"back","start":2016.365,"end":2016.525,"confidence":0.9998894,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.15883369743824005},{"word":"and","start":2016.525,"end":2016.765,"confidence":0.9986412,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09490223228931428},{"word":"reassess","start":2016.765,"end":2017.265,"confidence":0.9983333,"punctuated_word":"reassess.","sentiment":"neutral","sentiment_score":0.08549129962921143},{"word":"but","start":2017.325,"end":2017.565,"confidence":0.9972646,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0917782336473465},{"word":"in","start":2017.565,"end":2017.725,"confidence":0.9984962,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13650164008140564},{"word":"the","start":2017.725,"end":2017.885,"confidence":0.9997434,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12179138511419296},{"word":"back","start":2017.885,"end":2018.125,"confidence":0.9841554,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.12285203486680984},{"word":"end","start":2018.125,"end":2018.365,"confidence":0.999725,"punctuated_word":"end,","sentiment":"neutral","sentiment_score":0.1080075353384018},{"word":"we","start":2018.365,"end":2018.525,"confidence":0.9999131,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11658724397420885},{"word":"can","start":2018.525,"end":2018.765,"confidence":0.9998919,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11796041578054428},{"word":"link","start":2018.765,"end":2019.085,"confidence":0.9997962,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.15011155605316162},{"word":"your","start":2019.085,"end":2019.325,"confidence":0.998041,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1604807674884796},{"word":"super","start":2019.325,"end":2019.645,"confidence":0.98260134,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.14674028754234314},{"word":"accounts","start":2019.645,"end":2019.965,"confidence":0.9591571,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.13669614493846893},{"word":"within","start":2019.965,"end":2020.2849,"confidence":0.9987546,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.16279315948486328},{"word":"hub","start":2020.2849,"end":2020.525,"confidence":0.7076709,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.14712655544281006},{"word":"twenty","start":2020.525,"end":2020.845,"confidence":0.9975206,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.1722746640443802},{"word":"four","start":2020.845,"end":2021.085,"confidence":0.99969435,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.15173426270484924},{"word":"under","start":2021.085,"end":2021.325,"confidence":0.96990293,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.16296905279159546},{"word":"what's","start":2021.325,"end":2021.565,"confidence":0.99927783,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.12253709882497787},{"word":"called","start":2021.565,"end":2021.725,"confidence":0.9983217,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.13001203536987305},{"word":"a","start":2021.725,"end":2021.885,"confidence":0.99214596,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1498580276966095},{"word":"family","start":2021.885,"end":2022.365,"confidence":0.98791647,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.15609008073806763},{"word":"fee","start":2022.365,"end":2022.6849,"confidence":0.9931705,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.17334507405757904},{"word":"aggregation","start":2022.6849,"end":2023.1849,"confidence":0.99580264,"punctuated_word":"aggregation.","sentiment":"neutral","sentiment_score":0.16842985153198242},{"word":"that","start":2023.76,"end":2024.0801,"confidence":0.9997758,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.19519220292568207},{"word":"links","start":2024.0801,"end":2024.3201,"confidence":0.99940777,"punctuated_word":"links","sentiment":"neutral","sentiment_score":0.2344610691070557},{"word":"everything","start":2024.3201,"end":2024.64,"confidence":0.99981695,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2531331181526184},{"word":"in","start":2024.64,"end":2024.8,"confidence":0.9982944,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2453506290912628},{"word":"the","start":2024.8,"end":2024.88,"confidence":0.99977905,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25659477710723877},{"word":"back","start":2024.88,"end":2025.04,"confidence":0.9585724,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.23436281085014343},{"word":"end","start":2025.04,"end":2025.28,"confidence":0.9323168,"punctuated_word":"end,","sentiment":"neutral","sentiment_score":0.25228530168533325},{"word":"and","start":2025.28,"end":2025.4401,"confidence":0.999699,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.219314843416214},{"word":"that","start":2025.4401,"end":2025.68,"confidence":0.9999167,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2176835983991623},{"word":"means","start":2025.68,"end":2025.92,"confidence":0.99994576,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.18951581418514252},{"word":"whenever","start":2025.92,"end":2026.42,"confidence":0.9951409,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.24482432007789612},{"word":"you","start":2026.4801,"end":2026.7201,"confidence":0.99955827,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23527751863002777},{"word":"guys","start":2026.7201,"end":2027.04,"confidence":0.99983144,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.2378610521554947},{"word":"log","start":2027.04,"end":2027.28,"confidence":0.9883122,"punctuated_word":"log","sentiment":"neutral","sentiment_score":0.20660194754600525},{"word":"in","start":2027.28,"end":2027.52,"confidence":0.9475324,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15951423346996307},{"word":"to","start":2027.52,"end":2027.68,"confidence":0.99307764,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22597981989383695},{"word":"your","start":2027.68,"end":2027.8401,"confidence":0.99939287,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1999868601560593},{"word":"hub","start":2027.8401,"end":2028.16,"confidence":0.9804812,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.1428525298833847},{"word":"24","start":2028.16,"end":2028.7201,"confidence":0.9989319,"punctuated_word":"24,","sentiment":"neutral","sentiment_score":0.19459882378578183},{"word":"you","start":2028.7201,"end":2028.88,"confidence":0.99981123,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25274622440338135},{"word":"can","start":2028.88,"end":2029.12,"confidence":0.9998233,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20965906977653503},{"word":"see","start":2029.12,"end":2029.4401,"confidence":0.9982987,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2641652226448059},{"word":"both","start":2029.4401,"end":2029.68,"confidence":0.9996911,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.1805807203054428},{"word":"of","start":2029.68,"end":2029.76,"confidence":0.998968,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2301810532808304},{"word":"your","start":2029.76,"end":2030.0801,"confidence":0.9986644,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20859092473983765},{"word":"supers","start":2030.0801,"end":2030.4801,"confidence":0.7935423,"punctuated_word":"supers","sentiment":"neutral","sentiment_score":0.2111041247844696},{"word":"sitting","start":2030.4801,"end":2030.7201,"confidence":0.99456304,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.2432691752910614},{"word":"there","start":2030.7201,"end":2031.2201,"confidence":0.99829197,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.20812669396400452},{"word":"you'll","start":2031.28,"end":2031.52,"confidence":0.9997545,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.18460994958877563},{"word":"see","start":2031.52,"end":2031.76,"confidence":0.9991696,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.219482421875},{"word":"both","start":2031.76,"end":2032.0,"confidence":0.9994981,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.22423280775547028},{"word":"of","start":2032.0,"end":2032.0801,"confidence":0.9992495,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20883101224899292},{"word":"your","start":2032.0801,"end":2032.3201,"confidence":0.99471176,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16515013575553894},{"word":"super","start":2032.3201,"end":2032.56,"confidence":0.9774549,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.20839805901050568},{"word":"balances","start":2032.56,"end":2033.06,"confidence":0.91687286,"punctuated_word":"balances.","sentiment":"neutral","sentiment_score":0.2153717875480652},{"word":"you","start":2033.12,"end":2033.2001,"confidence":0.9995467,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1998036950826645},{"word":"can","start":2033.2001,"end":2033.52,"confidence":0.9995845,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17039324343204498},{"word":"cross","start":2033.52,"end":2033.8401,"confidence":0.99853396,"punctuated_word":"cross","sentiment":"neutral","sentiment_score":0.2656433880329132},{"word":"between","start":2033.8401,"end":2034.16,"confidence":0.9993389,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.19646289944648743},{"word":"the","start":2034.16,"end":2034.3201,"confidence":0.9987301,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24413736164569855},{"word":"two","start":2034.3201,"end":2034.8201,"confidence":0.845086,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.21183860301971436},{"word":"but","start":2035.2001,"end":2035.52,"confidence":0.50394666,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.29474833607673645},{"word":"doing","start":2035.52,"end":2035.76,"confidence":0.99944764,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.36611270904541016},{"word":"that","start":2035.76,"end":2036.0,"confidence":0.99898845,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.391022264957428},{"word":"gives","start":2036.0,"end":2036.2401,"confidence":0.99263304,"punctuated_word":"gives","sentiment":"positive","sentiment_score":0.3575112521648407},{"word":"you","start":2036.2401,"end":2036.3201,"confidence":0.5231979,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.38217517733573914},{"word":"the","start":2036.3201,"end":2036.4801,"confidence":0.9902672,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3879159390926361},{"word":"benefit","start":2036.4801,"end":2036.9601,"confidence":0.9994999,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.4631199836730957},{"word":"of","start":2036.9601,"end":2037.12,"confidence":0.99819523,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4341192841529846},{"word":"lowering","start":2037.12,"end":2037.52,"confidence":0.98618037,"punctuated_word":"lowering","sentiment":"positive","sentiment_score":0.4648728370666504},{"word":"your","start":2037.52,"end":2037.8401,"confidence":0.999689,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.472115695476532},{"word":"admin","start":2037.8401,"end":2038.2401,"confidence":0.99989533,"punctuated_word":"admin","sentiment":"positive","sentiment_score":0.43834805488586426},{"word":"fees","start":2038.2401,"end":2038.56,"confidence":0.9968039,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.4568113684654236},{"word":"in","start":2038.56,"end":2038.64,"confidence":0.9860692,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5504973530769348},{"word":"the","start":2038.64,"end":2038.8,"confidence":0.99981457,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4210904836654663},{"word":"back","start":2038.8,"end":2038.9601,"confidence":0.98961765,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.4022831618785858},{"word":"end","start":2038.9601,"end":2039.265,"confidence":0.8713391,"punctuated_word":"end.","sentiment":"positive","sentiment_score":0.37175267934799194},{"word":"so","start":2039.425,"end":2039.665,"confidence":0.9994804,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4096548855304718},{"word":"you","start":2039.665,"end":2039.745,"confidence":0.99966514,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5277743339538574},{"word":"get","start":2039.745,"end":2040.225,"confidence":0.99940526,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.6159601807594299},{"word":"discounts","start":2040.225,"end":2040.545,"confidence":0.9834696,"punctuated_word":"discounts","sentiment":"positive","sentiment_score":0.5481022596359253},{"word":"on","start":2040.545,"end":2040.865,"confidence":0.8510461,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6862845420837402},{"word":"administration","start":2040.865,"end":2041.365,"confidence":0.99149644,"punctuated_word":"administration","sentiment":"positive","sentiment_score":0.5290930867195129},{"word":"fees","start":2041.585,"end":2041.905,"confidence":0.99798906,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.5582863688468933},{"word":"and","start":2041.905,"end":2041.985,"confidence":0.997468,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6401832103729248},{"word":"things","start":2041.985,"end":2042.225,"confidence":0.99989426,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.6180955767631531},{"word":"like","start":2042.225,"end":2042.385,"confidence":0.9994043,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.5271576642990112},{"word":"that","start":2042.385,"end":2042.545,"confidence":0.99792135,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5007562041282654},{"word":"it","start":2042.545,"end":2042.705,"confidence":0.9953621,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5874664187431335},{"word":"can","start":2042.705,"end":2042.865,"confidence":0.9987962,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6354339718818665},{"word":"actually","start":2042.865,"end":2043.185,"confidence":0.99928063,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.672265350818634},{"word":"reduce","start":2043.185,"end":2043.585,"confidence":0.99890554,"punctuated_word":"reduce","sentiment":"positive","sentiment_score":0.5543617010116577},{"word":"your","start":2043.585,"end":2043.8251,"confidence":0.6919622,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6687822937965393},{"word":"fees","start":2043.8251,"end":2044.145,"confidence":0.5432199,"punctuated_word":"fees,","sentiment":"positive","sentiment_score":0.6421552896499634},{"word":"scott","start":2044.145,"end":2044.625,"confidence":0.86764324,"punctuated_word":"Scott,","sentiment":"positive","sentiment_score":0.6879993677139282},{"word":"even","start":2044.625,"end":2045.105,"confidence":0.49583355,"punctuated_word":"even","sentiment":"positive","sentiment_score":0.591989278793335},{"word":"more","start":2045.105,"end":2045.345,"confidence":0.9983438,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5551804304122925},{"word":"than","start":2045.345,"end":2045.585,"confidence":0.99721247,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.5432097911834717},{"word":"what","start":2045.585,"end":2045.745,"confidence":0.9996768,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5111150741577148},{"word":"they","start":2045.745,"end":2045.985,"confidence":0.9996716,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.4761351943016052},{"word":"have","start":2045.985,"end":2046.485,"confidence":0.9264848,"punctuated_word":"have.","sentiment":"positive","sentiment_score":0.35444968938827515},{"word":"and","start":2047.025,"end":2047.185,"confidence":0.6948308,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3172200322151184},{"word":"then","start":2047.185,"end":2047.425,"confidence":0.901304,"punctuated_word":"then,","sentiment":"positive","sentiment_score":0.34543609619140625},{"word":"obviously","start":2047.425,"end":2047.925,"confidence":0.99970734,"punctuated_word":"obviously,","sentiment":"positive","sentiment_score":0.36363551020622253},{"word":"it","start":2047.985,"end":2048.385,"confidence":0.9997008,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3789251148700714},{"word":"helps","start":2048.385,"end":2048.885,"confidence":0.44940183,"punctuated_word":"helps","sentiment":"positive","sentiment_score":0.43079403042793274},{"word":"to","start":2048.945,"end":2049.185,"confidence":0.9625753,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4618422985076904},{"word":"reduce","start":2049.185,"end":2049.585,"confidence":0.9993273,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.3302011489868164},{"word":"leases","start":2049.585,"end":2049.985,"confidence":0.387729,"punctuated_word":"leases","sentiment":"neutral","sentiment_score":0.33264443278312683},{"word":"fees","start":2049.985,"end":2050.225,"confidence":0.9636452,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.3665820062160492},{"word":"as","start":2050.225,"end":2050.385,"confidence":0.9995442,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4473283588886261},{"word":"much","start":2050.385,"end":2050.545,"confidence":0.99982774,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4250591993331909},{"word":"as","start":2050.545,"end":2050.785,"confidence":0.9989575,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4092686176300049},{"word":"possible","start":2050.785,"end":2051.185,"confidence":0.9996147,"punctuated_word":"possible","sentiment":"positive","sentiment_score":0.3545995354652405},{"word":"as","start":2051.185,"end":2051.345,"confidence":0.9998228,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3869391679763794},{"word":"well","start":2051.345,"end":2051.745,"confidence":0.9998648,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.28547412157058716},{"word":"are","start":2051.745,"end":2051.905,"confidence":0.9993925,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.13342151045799255},{"word":"you","start":2051.905,"end":2052.065,"confidence":0.9996798,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13418444991111755},{"word":"both","start":2052.065,"end":2052.385,"confidence":0.999318,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.12091147899627686},{"word":"comfortable","start":2052.385,"end":2052.785,"confidence":0.99988914,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.09725530445575714},{"word":"with","start":2052.785,"end":2052.945,"confidence":0.99934834,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16139167547225952},{"word":"me","start":2052.945,"end":2053.185,"confidence":0.9996569,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17708192765712738},{"word":"doing","start":2053.185,"end":2053.425,"confidence":0.9994742,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.16172358393669128},{"word":"that","start":2053.425,"end":2053.68,"confidence":0.9880606,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.1813279688358307},{"word":"yep","start":2055.3599,"end":2055.76,"confidence":0.7681562,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3310682773590088},{"word":"beautiful","start":2055.76,"end":2056.26,"confidence":0.9992807,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.625777006149292},{"word":"there's","start":2056.8,"end":2057.1199,"confidence":0.9082121,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.2846856117248535},{"word":"another","start":2057.1199,"end":2057.44,"confidence":0.9997849,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.3061911165714264},{"word":"thing","start":2057.44,"end":2057.5999,"confidence":0.9997578,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.2577038109302521},{"word":"i","start":2057.5999,"end":2057.76,"confidence":0.99001324,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2284521758556366},{"word":"do","start":2057.76,"end":2057.92,"confidence":0.99727255,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.24508266150951383},{"word":"like","start":2057.92,"end":2058.0798,"confidence":0.9990338,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2677711844444275},{"word":"to","start":2058.0798,"end":2058.16,"confidence":0.99939847,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2343759685754776},{"word":"do","start":2058.16,"end":2058.3198,"confidence":0.99975795,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.24506232142448425},{"word":"when","start":2058.3198,"end":2058.48,"confidence":0.9992225,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.25633084774017334},{"word":"i'm","start":2058.48,"end":2058.64,"confidence":0.9992691,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2531055510044098},{"word":"talking","start":2058.64,"end":2058.88,"confidence":0.99989545,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.2738693654537201},{"word":"to","start":2058.88,"end":2059.04,"confidence":0.9985353,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2875170111656189},{"word":"couples","start":2059.04,"end":2059.54,"confidence":0.9931623,"punctuated_word":"couples","sentiment":"neutral","sentiment_score":0.29106372594833374},{"word":"together","start":2059.8398,"end":2060.24,"confidence":0.9850322,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.2785264849662781},{"word":"as","start":2060.24,"end":2060.4,"confidence":0.99953735,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.34153616428375244},{"word":"well","start":2060.4,"end":2060.5598,"confidence":0.8597508,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.3057541251182556},{"word":"and","start":2060.5598,"end":2060.72,"confidence":0.99201196,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24561603367328644},{"word":"i","start":2060.72,"end":2060.88,"confidence":0.99914825,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2495522648096085},{"word":"sort","start":2060.88,"end":2061.04,"confidence":0.98771614,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2822610139846802},{"word":"of","start":2061.04,"end":2061.2,"confidence":0.9948455,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24386149644851685},{"word":"initially","start":2061.2,"end":2061.68,"confidence":0.9960937,"punctuated_word":"initially","sentiment":"neutral","sentiment_score":0.2401762008666992},{"word":"plan","start":2061.68,"end":2061.92,"confidence":0.8765671,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.31289491057395935},{"word":"to","start":2061.92,"end":2062.42,"confidence":0.99763227,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2696533799171448},{"word":"come","start":2062.48,"end":2062.72,"confidence":0.98852986,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.2703123986721039},{"word":"back","start":2062.72,"end":2062.96,"confidence":0.9972959,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2773067355155945},{"word":"and","start":2062.96,"end":2063.2,"confidence":0.92691153,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2179788500070572},{"word":"talk","start":2063.2,"end":2063.44,"confidence":0.99504954,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.2442309558391571},{"word":"to","start":2063.44,"end":2063.5999,"confidence":0.9937662,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23896872997283936},{"word":"you","start":2063.5999,"end":2063.68,"confidence":0.99906904,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.299418568611145},{"word":"about","start":2063.68,"end":2063.92,"confidence":0.99798703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2801930904388428},{"word":"it","start":2063.92,"end":2064.16,"confidence":0.9978033,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.27384528517723083},{"word":"as","start":2064.16,"end":2064.3198,"confidence":0.999073,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25419482588768005},{"word":"well","start":2064.3198,"end":2064.8198,"confidence":0.9268786,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2152116596698761},{"word":"but","start":2064.96,"end":2065.2,"confidence":0.9782947,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1239936351776123},{"word":"we","start":2065.2,"end":2065.3599,"confidence":0.988304,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10590291768312454},{"word":"can","start":2065.3599,"end":2065.695,"confidence":0.9673547,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1286247968673706},{"word":"also","start":2065.695,"end":2066.0151,"confidence":0.9668695,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11875268816947936},{"word":"add","start":2066.0151,"end":2066.175,"confidence":0.9993666,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.1247330754995346},{"word":"what's","start":2066.175,"end":2066.575,"confidence":0.99790126,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.09814611077308656},{"word":"called","start":2066.575,"end":2066.8152,"confidence":0.9990268,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.10645654052495956},{"word":"a","start":2066.8152,"end":2067.135,"confidence":0.9383537,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10846081376075745},{"word":"third","start":2067.135,"end":2067.455,"confidence":0.99591994,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.07168956845998764},{"word":"party","start":2067.455,"end":2067.955,"confidence":0.99938524,"punctuated_word":"party","sentiment":"neutral","sentiment_score":0.06885165721178055},{"word":"ex","start":2068.495,"end":2068.935,"confidence":0.3768921,"punctuated_word":"ex","sentiment":"neutral","sentiment_score":0.05015135556459427},{"word":"sorry","start":2069.375,"end":2069.695,"confidence":0.8165934,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.05660523846745491},{"word":"third","start":2069.695,"end":2069.975,"confidence":0.7944763,"punctuated_word":"Third","sentiment":"neutral","sentiment_score":0.08096736669540405},{"word":"an","start":2070.2551,"end":2070.495,"confidence":0.9984794,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06677891314029694},{"word":"external","start":2070.495,"end":2070.975,"confidence":0.9996377,"punctuated_word":"external","sentiment":"neutral","sentiment_score":0.08912759274244308},{"word":"third","start":2070.975,"end":2071.215,"confidence":0.9979081,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.04460363835096359},{"word":"party","start":2071.215,"end":2071.615,"confidence":0.9992091,"punctuated_word":"party","sentiment":"neutral","sentiment_score":0.06173929572105408},{"word":"authority","start":2071.615,"end":2072.115,"confidence":0.9975245,"punctuated_word":"authority.","sentiment":"neutral","sentiment_score":0.10586674511432648},{"word":"that","start":2072.8152,"end":2073.0552,"confidence":0.88137275,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1134212166070938},{"word":"essentially","start":2073.0552,"end":2073.455,"confidence":0.99651057,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.11185460537672044},{"word":"means","start":2073.455,"end":2073.7751,"confidence":0.99990404,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.10739192366600037},{"word":"that","start":2073.7751,"end":2073.935,"confidence":0.999114,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13275450468063354},{"word":"we","start":2073.935,"end":2074.095,"confidence":0.9998105,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1364951133728027},{"word":"put","start":2074.095,"end":2074.335,"confidence":0.9989197,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.163532093167305},{"word":"that","start":2074.335,"end":2074.495,"confidence":0.99982554,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13814115524291992},{"word":"on","start":2074.495,"end":2074.655,"confidence":0.999355,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13048090040683746},{"word":"file","start":2074.655,"end":2074.975,"confidence":0.9997869,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.13554736971855164},{"word":"for","start":2074.975,"end":2075.135,"confidence":0.99953926,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1404697299003601},{"word":"both","start":2075.135,"end":2075.375,"confidence":0.9996823,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.21214106678962708},{"word":"of","start":2075.375,"end":2075.5352,"confidence":0.99978584,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20403602719306943},{"word":"you","start":2075.5352,"end":2075.935,"confidence":0.97729695,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1798015832901001},{"word":"so","start":2075.935,"end":2076.175,"confidence":0.9996289,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1939975768327713},{"word":"if","start":2076.175,"end":2076.415,"confidence":0.9995814,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2178100943565369},{"word":"something","start":2076.415,"end":2076.8152,"confidence":0.9997379,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.1591072380542755},{"word":"happens","start":2076.8152,"end":2077.2952,"confidence":0.99811095,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":0.18674373626708984},{"word":"it","start":2077.2952,"end":2077.455,"confidence":0.9852174,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1977927088737488},{"word":"means","start":2077.455,"end":2077.695,"confidence":0.9998417,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.18239615857601169},{"word":"that","start":2077.695,"end":2077.855,"confidence":0.89475095,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1775684654712677},{"word":"lisa","start":2077.855,"end":2078.2551,"confidence":0.9602846,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":0.1753714084625244},{"word":"you","start":2078.2551,"end":2078.415,"confidence":0.99977475,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2017744928598404},{"word":"can","start":2078.415,"end":2078.575,"confidence":0.9992434,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16286532580852509},{"word":"call","start":2078.575,"end":2078.8152,"confidence":0.9974564,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.1508689522743225},{"word":"and","start":2078.8152,"end":2078.975,"confidence":0.99668235,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1627274453639984},{"word":"talk","start":2078.975,"end":2079.215,"confidence":0.99833655,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.16569703817367554},{"word":"to","start":2079.215,"end":2079.2952,"confidence":0.99258375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18601009249687195},{"word":"us","start":2079.2952,"end":2079.6,"confidence":0.99303114,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.18901994824409485},{"word":"about","start":2079.6802,"end":2079.84,"confidence":0.9688532,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1599477082490921},{"word":"scott","start":2079.84,"end":2080.08,"confidence":0.9612141,"punctuated_word":"Scott","sentiment":"neutral","sentiment_score":0.15858446061611176},{"word":"cooper","start":2080.08,"end":2080.4001,"confidence":0.55077755,"punctuated_word":"Cooper","sentiment":"neutral","sentiment_score":0.17763656377792358},{"word":"and","start":2080.4001,"end":2080.56,"confidence":0.98995775,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18116343021392825},{"word":"get","start":2080.56,"end":2080.8,"confidence":0.9990907,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.16926012933254242},{"word":"information","start":2080.8,"end":2081.2002,"confidence":0.9986671,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.12928424775600433},{"word":"and","start":2081.2002,"end":2081.4402,"confidence":0.97932005,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15369082987308502},{"word":"reports","start":2081.4402,"end":2081.76,"confidence":0.9871976,"punctuated_word":"reports","sentiment":"neutral","sentiment_score":0.13499385118484497},{"word":"and","start":2081.76,"end":2081.9202,"confidence":0.99268407,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13390585780143738},{"word":"things","start":2081.9202,"end":2082.1602,"confidence":0.9999064,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.10226379334926604},{"word":"like","start":2082.1602,"end":2082.4001,"confidence":0.99979633,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10823744535446168},{"word":"that","start":2082.4001,"end":2082.9001,"confidence":0.846775,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.13366347551345825},{"word":"but","start":2082.9602,"end":2083.04,"confidence":0.97216696,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1147410050034523},{"word":"it","start":2083.04,"end":2083.12,"confidence":0.40335307,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08954936265945435},{"word":"also","start":2083.12,"end":2083.36,"confidence":0.99416083,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09208880364894868},{"word":"means","start":2083.36,"end":2083.6802,"confidence":0.72677827,"punctuated_word":"means,","sentiment":"neutral","sentiment_score":0.08216971904039383},{"word":"scott","start":2083.6802,"end":2083.84,"confidence":0.98799694,"punctuated_word":"Scott,","sentiment":"neutral","sentiment_score":0.12896420061588287},{"word":"you","start":2083.84,"end":2084.0,"confidence":0.9962135,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13558173179626465},{"word":"can","start":2084.0,"end":2084.1602,"confidence":0.99249434,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12608782947063446},{"word":"do","start":2084.1602,"end":2084.4001,"confidence":0.9300547,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11989548057317734},{"word":"that","start":2084.4001,"end":2084.56,"confidence":0.9726555,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1496868133544922},{"word":"for","start":2084.56,"end":2084.7202,"confidence":0.7754589,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1238413080573082},{"word":"laces","start":2084.7202,"end":2085.2202,"confidence":0.7797645,"punctuated_word":"laces.","sentiment":"neutral","sentiment_score":0.114657960832119},{"word":"i","start":2085.6,"end":2085.84,"confidence":0.59684515,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2967551350593567},{"word":"like","start":2085.84,"end":2086.08,"confidence":0.9591033,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.34218743443489075},{"word":"to","start":2086.08,"end":2086.24,"confidence":0.98657495,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.429682970046997},{"word":"kind","start":2086.24,"end":2086.4001,"confidence":0.93130183,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.4800394475460053},{"word":"of","start":2086.4001,"end":2086.56,"confidence":0.9919767,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0538671500980854},{"word":"put","start":2086.56,"end":2086.7202,"confidence":0.2718102,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.09482719749212264},{"word":"that","start":2086.7202,"end":2086.8801,"confidence":0.9861952,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11734428256750108},{"word":"for","start":2086.8801,"end":2087.04,"confidence":0.22055617,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10851412266492844},{"word":"because","start":2087.12,"end":2087.36,"confidence":0.9978225,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13364282250404358},{"word":"if","start":2087.36,"end":2087.52,"confidence":0.9988487,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11704257130622864},{"word":"one","start":2087.52,"end":2087.6802,"confidence":0.9996125,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04521507769823074},{"word":"of","start":2087.6802,"end":2087.76,"confidence":0.9994043,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08030013740062714},{"word":"you","start":2087.76,"end":2088.08,"confidence":0.99855584,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11472631245851515},{"word":"unwell","start":2088.08,"end":2088.56,"confidence":0.8394505,"punctuated_word":"unwell","sentiment":"neutral","sentiment_score":-0.133879154920578},{"word":"in","start":2088.56,"end":2088.8,"confidence":0.8546795,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.19375520944595337},{"word":"hospital","start":2088.8,"end":2089.3,"confidence":0.96420604,"punctuated_word":"hospital","sentiment":"neutral","sentiment_score":-0.07803836464881897},{"word":"or","start":2089.36,"end":2089.4402,"confidence":0.9741735,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04215232282876968},{"word":"something's","start":2089.4402,"end":2089.9202,"confidence":0.995446,"punctuated_word":"something's","sentiment":"neutral","sentiment_score":0.07778947800397873},{"word":"happening","start":2089.9202,"end":2090.4001,"confidence":0.9994625,"punctuated_word":"happening,","sentiment":"neutral","sentiment_score":0.23694011569023132},{"word":"it","start":2090.4001,"end":2090.56,"confidence":0.9975968,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.331304132938385},{"word":"means","start":2090.56,"end":2090.8,"confidence":0.99967813,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.24148815870285031},{"word":"that","start":2090.8,"end":2090.9602,"confidence":0.99120176,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22124198079109192},{"word":"you","start":2090.9602,"end":2091.04,"confidence":0.9996562,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16038230061531067},{"word":"can","start":2091.04,"end":2091.28,"confidence":0.999527,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1432909369468689},{"word":"call","start":2091.28,"end":2091.52,"confidence":0.99790996,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.12909701466560364},{"word":"and","start":2091.52,"end":2091.6802,"confidence":0.9986051,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13471780717372894},{"word":"talk","start":2091.6802,"end":2091.9202,"confidence":0.9991774,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.13143904507160187},{"word":"to","start":2091.9202,"end":2092.08,"confidence":0.99727887,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14843513071537018},{"word":"us","start":2092.08,"end":2092.58,"confidence":0.99887484,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.010853301733732224},{"word":"you","start":2092.6401,"end":2092.8,"confidence":0.99897003,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.029398947954177856},{"word":"can't","start":2092.8,"end":2093.12,"confidence":0.9992515,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.006429662462323904},{"word":"make","start":2093.12,"end":2093.36,"confidence":0.9989249,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.04575347155332565},{"word":"changes","start":2093.36,"end":2093.84,"confidence":0.9994487,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.04443827271461487},{"word":"on","start":2093.84,"end":2094.0,"confidence":0.99747616,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04043498635292053},{"word":"each","start":2094.0,"end":2094.1602,"confidence":0.996747,"punctuated_word":"each","sentiment":"neutral","sentiment_score":-0.038922019302845},{"word":"other's","start":2094.1602,"end":2094.6602,"confidence":0.99567103,"punctuated_word":"other's","sentiment":"neutral","sentiment_score":-0.031557630747556686},{"word":"behalf","start":2094.675,"end":2095.155,"confidence":0.94358486,"punctuated_word":"behalf,","sentiment":"neutral","sentiment_score":-0.0023775845766067505},{"word":"but","start":2095.635,"end":2095.875,"confidence":0.99869305,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.018742196261882785},{"word":"it","start":2095.875,"end":2096.0352,"confidence":0.99965847,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06047383695840835},{"word":"does","start":2096.0352,"end":2096.2751,"confidence":0.99979705,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07566992193460464},{"word":"mean","start":2096.2751,"end":2096.5151,"confidence":0.9996755,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.0805298238992691},{"word":"that","start":2096.5151,"end":2096.675,"confidence":0.9997029,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13946545124053955},{"word":"we","start":2096.675,"end":2096.7551,"confidence":0.9998981,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13590124249458313},{"word":"can","start":2096.7551,"end":2096.995,"confidence":0.99984884,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1690266728401184},{"word":"sort","start":2096.995,"end":2097.235,"confidence":0.9966491,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.15610702335834503},{"word":"of","start":2097.235,"end":2097.395,"confidence":0.99926096,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2158271223306656},{"word":"liaise","start":2097.395,"end":2097.7952,"confidence":0.9947295,"punctuated_word":"liaise","sentiment":"neutral","sentiment_score":0.16470356285572052},{"word":"with","start":2097.7952,"end":2097.955,"confidence":0.9990029,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.27923983335494995},{"word":"each","start":2097.955,"end":2098.195,"confidence":0.9981621,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.2427966445684433},{"word":"of","start":2098.195,"end":2098.2751,"confidence":0.9994325,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22685417532920835},{"word":"you","start":2098.2751,"end":2098.5151,"confidence":0.9484385,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.1547873169183731},{"word":"and","start":2098.5151,"end":2098.675,"confidence":0.99979204,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1676398664712906},{"word":"it","start":2098.675,"end":2098.835,"confidence":0.99937767,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.27543142437934875},{"word":"tends","start":2098.835,"end":2099.075,"confidence":0.9993899,"punctuated_word":"tends","sentiment":"positive","sentiment_score":0.3838309347629547},{"word":"to","start":2099.075,"end":2099.155,"confidence":0.99901044,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32851430773735046},{"word":"work","start":2099.155,"end":2099.475,"confidence":0.9999224,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.41473719477653503},{"word":"really","start":2099.475,"end":2099.715,"confidence":0.99980956,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5189639329910278},{"word":"well","start":2099.715,"end":2099.875,"confidence":0.9994247,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.4667236804962158},{"word":"for","start":2099.875,"end":2100.115,"confidence":0.999423,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.43714913725852966},{"word":"couples","start":2100.115,"end":2100.5151,"confidence":0.99896216,"punctuated_word":"couples.","sentiment":"neutral","sentiment_score":0.2720334827899933},{"word":"would","start":2100.5151,"end":2100.675,"confidence":0.9997099,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.10627470910549164},{"word":"you","start":2100.675,"end":2100.835,"confidence":0.999481,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1203385442495346},{"word":"like","start":2100.835,"end":2100.995,"confidence":0.9995863,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.14429280161857605},{"word":"us","start":2100.995,"end":2101.235,"confidence":0.99925417,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.15757618844509125},{"word":"to","start":2101.235,"end":2101.475,"confidence":0.9984817,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15465834736824036},{"word":"apply","start":2101.475,"end":2101.7952,"confidence":0.9995309,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.14172165095806122},{"word":"that","start":2101.7952,"end":2102.0352,"confidence":0.9997019,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2173974812030792},{"word":"to","start":2102.0352,"end":2102.115,"confidence":0.9788615,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14966994524002075},{"word":"this","start":2102.115,"end":2102.2751,"confidence":0.622492,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2019502818584442},{"word":"to","start":2103.235,"end":2103.395,"confidence":0.96700346,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13244736194610596},{"word":"our","start":2103.395,"end":2103.635,"confidence":0.99783534,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.12936453521251678},{"word":"file","start":2103.635,"end":2103.955,"confidence":0.9986994,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.1385321170091629},{"word":"for","start":2103.955,"end":2104.195,"confidence":0.99973625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11543473601341248},{"word":"each","start":2104.195,"end":2104.435,"confidence":0.9990989,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.16547206044197085},{"word":"of","start":2104.435,"end":2104.5151,"confidence":0.9993734,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1974143534898758},{"word":"you","start":2104.5151,"end":2104.7551,"confidence":0.9999014,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09991151839494704},{"word":"as","start":2104.7551,"end":2104.915,"confidence":0.9999485,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13338692486286163},{"word":"well","start":2104.915,"end":2105.415,"confidence":0.99968565,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.0972537025809288},{"word":"yep","start":2106.995,"end":2107.395,"confidence":0.8721432,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3242954611778259},{"word":"beautiful","start":2107.395,"end":2107.895,"confidence":0.99959195,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7701069116592407},{"word":"lovely","start":2108.2751,"end":2108.7751,"confidence":0.99988353,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.7835822105407715},{"word":"i'll","start":2109.13,"end":2109.3699,"confidence":0.99956346,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.6009718179702759},{"word":"get","start":2109.3699,"end":2109.6099,"confidence":0.99993503,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.527700662612915},{"word":"those","start":2109.6099,"end":2110.1099,"confidence":0.99940467,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.5519266128540039},{"word":"done","start":2110.17,"end":2110.49,"confidence":0.99755716,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.4567782878875733},{"word":"up","start":2110.49,"end":2110.73,"confidence":0.9993462,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.475892186164856},{"word":"and","start":2110.73,"end":2110.97,"confidence":0.9988423,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4370649755001068},{"word":"sent","start":2110.97,"end":2111.21,"confidence":0.99579334,"punctuated_word":"sent","sentiment":"positive","sentiment_score":0.4924446642398834},{"word":"through","start":2111.21,"end":2111.53,"confidence":0.9997422,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.4954848289489746},{"word":"to","start":2111.53,"end":2111.6099,"confidence":0.9984444,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.45843395590782166},{"word":"you","start":2111.6099,"end":2111.8499,"confidence":0.9983675,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5520414113998413},{"word":"guys","start":2111.8499,"end":2112.3499,"confidence":0.99948406,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.5235551595687866},{"word":"before","start":2112.49,"end":2112.89,"confidence":0.99967027,"punctuated_word":"before","sentiment":"positive","sentiment_score":0.40429824590682983},{"word":"we","start":2112.89,"end":2112.97,"confidence":0.9999075,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3618077039718628},{"word":"do","start":2112.97,"end":2113.21,"confidence":0.999933,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.418561726808548},{"word":"the","start":2113.21,"end":2113.3699,"confidence":0.99981123,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.45000576972961426},{"word":"advice","start":2113.3699,"end":2113.8499,"confidence":0.76605356,"punctuated_word":"advice.","sentiment":"positive","sentiment_score":0.3881025314331054},{"word":"so","start":2113.8499,"end":2114.01,"confidence":0.60929,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2636749744415283},{"word":"that","start":2114.01,"end":2114.17,"confidence":0.9949905,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2556741237640381},{"word":"way","start":2114.17,"end":2114.41,"confidence":0.7919777,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.2981780171394348},{"word":"we","start":2114.41,"end":2114.49,"confidence":0.999833,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3020476698875427},{"word":"can","start":2114.49,"end":2114.73,"confidence":0.9996855,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.36150431632995605},{"word":"have","start":2114.73,"end":2114.97,"confidence":0.99971014,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.44063231348991394},{"word":"them","start":2114.97,"end":2115.21,"confidence":0.9996288,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.3835161328315735},{"word":"set","start":2115.21,"end":2115.45,"confidence":0.99733126,"punctuated_word":"set","sentiment":"positive","sentiment_score":0.5114535093307495},{"word":"up","start":2115.45,"end":2115.6099,"confidence":0.9974618,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4066910743713379},{"word":"on","start":2115.6099,"end":2115.77,"confidence":0.9994692,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4139043688774109},{"word":"the","start":2115.77,"end":2115.93,"confidence":0.9982072,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3796827495098114},{"word":"file","start":2115.93,"end":2116.25,"confidence":0.86604685,"punctuated_word":"file.","sentiment":"positive","sentiment_score":0.38409966230392456},{"word":"that","start":2116.25,"end":2116.49,"confidence":0.9880575,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.26617610454559326},{"word":"way","start":2116.49,"end":2116.73,"confidence":0.91977096,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.3075515329837799},{"word":"in","start":2116.73,"end":2116.89,"confidence":0.9997198,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.31764939427375793},{"word":"the","start":2116.89,"end":2117.05,"confidence":0.9998753,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3068487048149109},{"word":"meantime","start":2117.05,"end":2117.55,"confidence":0.99872476,"punctuated_word":"meantime,","sentiment":"neutral","sentiment_score":0.31280291080474854},{"word":"if","start":2118.01,"end":2118.25,"confidence":0.9991208,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4276925921440125},{"word":"any","start":2118.25,"end":2118.49,"confidence":0.98855525,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.3512246012687683},{"word":"of","start":2118.49,"end":2118.57,"confidence":0.9056883,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3387378454208374},{"word":"you","start":2118.57,"end":2118.73,"confidence":0.99953294,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35050562024116516},{"word":"have","start":2118.73,"end":2118.89,"confidence":0.9992306,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3343813419342041},{"word":"any","start":2118.89,"end":2119.05,"confidence":0.9989454,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.3383708894252777},{"word":"questions","start":2119.05,"end":2119.45,"confidence":0.999739,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.2721661329269409},{"word":"or","start":2119.45,"end":2119.6099,"confidence":0.9987231,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.30314335227012634},{"word":"need","start":2119.6099,"end":2119.8499,"confidence":0.9998023,"punctuated_word":"need","sentiment":"positive","sentiment_score":0.3449740707874298},{"word":"anything","start":2119.8499,"end":2120.25,"confidence":0.99861634,"punctuated_word":"anything,","sentiment":"positive","sentiment_score":0.371404767036438},{"word":"you","start":2120.25,"end":2120.33,"confidence":0.9993463,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.36704155802726746},{"word":"can","start":2120.33,"end":2120.49,"confidence":0.9992079,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2835749089717865},{"word":"still","start":2120.49,"end":2120.81,"confidence":0.9978206,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.35564327239990234},{"word":"liaise","start":2120.81,"end":2121.05,"confidence":0.99018145,"punctuated_word":"liaise","sentiment":"neutral","sentiment_score":0.32283443212509155},{"word":"with","start":2121.05,"end":2121.315,"confidence":0.8496968,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.31182095408439636},{"word":"us","start":2121.315,"end":2121.4749,"confidence":0.8959421,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.31198638677597046},{"word":"the","start":2121.4749,"end":2121.7148,"confidence":0.46450627,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.15624795854091644},{"word":"e","start":2121.7148,"end":2121.795,"confidence":0.31619278,"punctuated_word":"e","sentiment":"neutral","sentiment_score":0.16726860404014587},{"word":"t","start":2121.795,"end":2122.035,"confidence":0.7965812,"punctuated_word":"t","sentiment":"neutral","sentiment_score":0.1498592495918274},{"word":"p","start":2122.035,"end":2122.115,"confidence":0.9116287,"punctuated_word":"p","sentiment":"neutral","sentiment_score":0.1382353901863098},{"word":"a","start":2122.115,"end":2122.275,"confidence":0.98161536,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13885092735290527},{"word":"is","start":2122.275,"end":2122.515,"confidence":0.98953384,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12439119815826416},{"word":"on","start":2122.515,"end":2122.755,"confidence":0.99947983,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12913833558559418},{"word":"file","start":2122.755,"end":2122.9949,"confidence":0.9996964,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.16527767479419708},{"word":"and","start":2122.9949,"end":2123.2349,"confidence":0.99528223,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18635058403015137},{"word":"active","start":2123.2349,"end":2123.555,"confidence":0.995771,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.18211190402507785},{"word":"for","start":2123.555,"end":2123.795,"confidence":0.954938,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17702533304691315},{"word":"the","start":2123.795,"end":2124.035,"confidence":0.8894882,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.184650257229805},{"word":"each","start":2124.115,"end":2124.275,"confidence":0.998145,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.18067432940006256},{"word":"of","start":2124.275,"end":2124.435,"confidence":0.9996933,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20700111985206604},{"word":"you","start":2124.435,"end":2124.835,"confidence":0.9997728,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17528848350048065},{"word":"okay","start":2124.835,"end":2125.335,"confidence":0.97819555,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.11858675628900528},{"word":"beautiful","start":2127.2349,"end":2127.7349,"confidence":0.99917185,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6762001514434814},{"word":"excellent","start":2127.875,"end":2128.375,"confidence":0.9998419,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6343820691108704},{"word":"as","start":2128.835,"end":2129.075,"confidence":0.67471653,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.20574817061424255},{"word":"i","start":2129.075,"end":2129.155,"confidence":0.9988121,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08894186466932297},{"word":"kinda","start":2129.155,"end":2129.4749,"confidence":0.93723464,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.10312008857727052},{"word":"mentioned","start":2129.4749,"end":2129.7148,"confidence":0.998933,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.105184905230999},{"word":"before","start":2129.7148,"end":2130.115,"confidence":0.998838,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.07273665815591812},{"word":"we","start":2130.115,"end":2130.275,"confidence":0.99986255,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.017808716744184494},{"word":"do","start":2130.275,"end":2130.515,"confidence":0.9999664,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03341912105679512},{"word":"have","start":2130.515,"end":2131.015,"confidence":0.999928,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.027386117726564407},{"word":"a","start":2131.315,"end":2131.4749,"confidence":0.9607194,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03197397664189339},{"word":"new","start":2131.4749,"end":2131.795,"confidence":0.9998752,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.02052844315767288},{"word":"there","start":2132.115,"end":2132.355,"confidence":0.99438214,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.015567906200885773},{"word":"are","start":2132.355,"end":2132.515,"confidence":0.99754554,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.006406381726264954},{"word":"new","start":2132.515,"end":2132.835,"confidence":0.9859672,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.0016816630959510803},{"word":"aml","start":2132.835,"end":2133.335,"confidence":0.9992186,"punctuated_word":"AML","sentiment":"neutral","sentiment_score":0.010421551764011385},{"word":"legislative","start":2133.395,"end":2133.895,"confidence":0.9948053,"punctuated_word":"legislative","sentiment":"neutral","sentiment_score":-0.0500231459736824},{"word":"requirements","start":2134.675,"end":2135.175,"confidence":0.960651,"punctuated_word":"requirements.","sentiment":"neutral","sentiment_score":-0.026439392939209935},{"word":"so","start":2135.395,"end":2135.85,"confidence":0.99870026,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01064012199640274},{"word":"before","start":2136.09,"end":2136.49,"confidence":0.9998072,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.032219257205724716},{"word":"providing","start":2136.49,"end":2136.9702,"confidence":0.9989242,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":-0.01757262647151947},{"word":"the","start":2136.9702,"end":2137.1301,"confidence":0.94537455,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.010666824877262115},{"word":"advice","start":2137.1301,"end":2137.53,"confidence":0.8190827,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":-0.01080215349793434},{"word":"now","start":2137.53,"end":2137.77,"confidence":0.99837315,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.006616972386837006},{"word":"i","start":2137.77,"end":2137.9302,"confidence":0.9742837,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.007874950766563416},{"word":"do","start":2137.9302,"end":2138.1702,"confidence":0.9999424,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.009628873318433762},{"word":"have","start":2138.1702,"end":2138.4102,"confidence":0.9997954,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.028865359723567963},{"word":"to","start":2138.4102,"end":2138.49,"confidence":0.9996152,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021455291658639908},{"word":"get","start":2138.49,"end":2138.6501,"confidence":0.9998636,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.000017955899238586426},{"word":"a","start":2138.6501,"end":2138.73,"confidence":0.9994512,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024425413459539413},{"word":"copy","start":2138.73,"end":2139.05,"confidence":0.999962,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":-0.011135250329971312},{"word":"of","start":2139.05,"end":2139.1301,"confidence":0.99962544,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023519806563854218},{"word":"your","start":2139.1301,"end":2139.37,"confidence":0.9981249,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04431256279349327},{"word":"id","start":2139.37,"end":2139.77,"confidence":0.99482757,"punctuated_word":"ID,","sentiment":"neutral","sentiment_score":0.04249345511198044},{"word":"lisa","start":2139.77,"end":2140.27,"confidence":0.97853136,"punctuated_word":"Lisa.","sentiment":"neutral","sentiment_score":0.029155053198337555},{"word":"so","start":2140.33,"end":2140.57,"confidence":0.99957794,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.012753298506140707},{"word":"i'm","start":2140.57,"end":2140.73,"confidence":0.9998634,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.01543852686882019},{"word":"gonna","start":2140.73,"end":2141.1301,"confidence":0.9953418,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.025499636307358745},{"word":"send","start":2141.1301,"end":2141.4502,"confidence":0.99938166,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.02455669455230236},{"word":"through","start":2141.4502,"end":2141.9502,"confidence":0.9596002,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.01826206222176552},{"word":"a","start":2142.73,"end":2142.8901,"confidence":0.9645168,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02769872546195984},{"word":"link","start":2142.8901,"end":2143.1301,"confidence":0.8441081,"punctuated_word":"link,","sentiment":"neutral","sentiment_score":0.014549732208251951},{"word":"and","start":2143.1301,"end":2143.37,"confidence":0.99817646,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.010319549590349196},{"word":"so","start":2143.37,"end":2143.61,"confidence":0.67891365,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.024827778339385983},{"word":"it","start":2143.61,"end":2143.6902,"confidence":0.98677295,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.023216906934976574},{"word":"looks","start":2143.6902,"end":2143.9302,"confidence":0.99671483,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":-0.0009955242276191711},{"word":"like","start":2143.9302,"end":2144.09,"confidence":0.9959335,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.03178122639656067},{"word":"your","start":2144.09,"end":2144.33,"confidence":0.9995296,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03027723729610443},{"word":"id","start":2144.33,"end":2144.6501,"confidence":0.9997429,"punctuated_word":"ID","sentiment":"neutral","sentiment_score":-0.014082912355661392},{"word":"on","start":2144.6501,"end":2144.8901,"confidence":0.99842,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07804486155509949},{"word":"file","start":2144.8901,"end":2145.1301,"confidence":0.99984705,"punctuated_word":"file","sentiment":"neutral","sentiment_score":-0.04139938205480576},{"word":"has","start":2145.1301,"end":2145.53,"confidence":0.9997068,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.0849924087524414},{"word":"expired","start":2145.53,"end":2146.01,"confidence":0.99983656,"punctuated_word":"expired","sentiment":"neutral","sentiment_score":-0.041065629571676254},{"word":"as","start":2146.01,"end":2146.1702,"confidence":0.99992836,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.02081339061260223},{"word":"well","start":2146.1702,"end":2146.6702,"confidence":0.99963045,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.012719029560685158},{"word":"so","start":2146.73,"end":2146.9702,"confidence":0.9995448,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.023683538660407063},{"word":"what","start":2146.9702,"end":2147.1301,"confidence":0.9998609,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.026629287749528885},{"word":"i'm","start":2147.1301,"end":2147.29,"confidence":0.99995565,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02556549571454525},{"word":"gonna","start":2147.29,"end":2147.61,"confidence":0.99669456,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08866597712039948},{"word":"do","start":2147.61,"end":2147.9302,"confidence":0.9985115,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08999074995517731},{"word":"is","start":2147.9302,"end":2148.33,"confidence":0.99974006,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08873928338289261},{"word":"i've","start":2148.33,"end":2148.49,"confidence":0.99330723,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.0919577330350876},{"word":"gotta","start":2148.49,"end":2148.9702,"confidence":0.7893412,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.10136238485574722},{"word":"generate","start":2148.9702,"end":2149.4702,"confidence":0.999546,"punctuated_word":"generate","sentiment":"neutral","sentiment_score":0.0778142660856247},{"word":"a","start":2150.6501,"end":2150.81,"confidence":0.9947555,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10377055406570436},{"word":"link","start":2150.81,"end":2151.29,"confidence":0.999783,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.09105651825666428},{"word":"to","start":2151.29,"end":2151.525,"confidence":0.9995041,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08381481468677521},{"word":"send","start":2151.765,"end":2152.005,"confidence":0.99951327,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.05673757940530777},{"word":"through","start":2152.005,"end":2152.4849,"confidence":0.9993948,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07779134064912796},{"word":"to","start":2152.4849,"end":2152.645,"confidence":0.99859816,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1090690940618515},{"word":"you","start":2152.645,"end":2152.885,"confidence":0.9935515,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11806270480155943},{"word":"both","start":2152.885,"end":2153.385,"confidence":0.9980732,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.1010114997625351},{"word":"just","start":2154.565,"end":2154.805,"confidence":0.8566608,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12335044890642166},{"word":"to","start":2154.805,"end":2155.045,"confidence":0.99945384,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1095827743411064},{"word":"get","start":2155.045,"end":2155.545,"confidence":0.99995506,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10247069597244264},{"word":"an","start":2155.845,"end":2156.2449,"confidence":0.99866056,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10860291868448256},{"word":"aml","start":2156.2449,"end":2156.7449,"confidence":0.99956036,"punctuated_word":"AML","sentiment":"neutral","sentiment_score":0.036958642303943634},{"word":"completed","start":2157.125,"end":2157.625,"confidence":0.9997944,"punctuated_word":"completed","sentiment":"neutral","sentiment_score":0.11297346651554108},{"word":"to","start":2157.765,"end":2158.005,"confidence":0.9172832,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13461752235889435},{"word":"get","start":2158.005,"end":2158.085,"confidence":0.9997025,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10604412853717804},{"word":"your","start":2158.085,"end":2158.565,"confidence":0.99935263,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.134442538022995},{"word":"id","start":2158.565,"end":2158.9648,"confidence":0.99623185,"punctuated_word":"ID","sentiment":"neutral","sentiment_score":0.09310795366764069},{"word":"done","start":2158.9648,"end":2159.365,"confidence":0.99910855,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.062484972178936005},{"word":"i'll","start":2159.365,"end":2159.605,"confidence":0.9977456,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05817532539367676},{"word":"see","start":2159.605,"end":2159.765,"confidence":0.99980813,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07691294699907303},{"word":"if","start":2159.765,"end":2159.845,"confidence":0.9996983,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06938181817531586},{"word":"i","start":2159.845,"end":2159.9248,"confidence":0.99954456,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06941647827625275},{"word":"can","start":2159.9248,"end":2160.1648,"confidence":0.99984884,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07189354300498962},{"word":"log","start":2160.1648,"end":2160.325,"confidence":0.9837546,"punctuated_word":"log","sentiment":"neutral","sentiment_score":0.053425613790750504},{"word":"in","start":2160.325,"end":2160.4849,"confidence":0.86470276,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05277085676789284},{"word":"to","start":2160.4849,"end":2160.565,"confidence":0.99564976,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09815078973770142},{"word":"this","start":2160.565,"end":2160.805,"confidence":0.99986136,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1147586703300476},{"word":"for","start":2160.805,"end":2160.885,"confidence":0.99965274,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09520483016967772},{"word":"you","start":2160.885,"end":2161.045,"confidence":0.9997547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10840236395597458},{"word":"while","start":2161.045,"end":2161.285,"confidence":0.9958407,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.06564703583717346},{"word":"i","start":2161.285,"end":2161.365,"confidence":0.99717003,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08126319944858551},{"word":"have","start":2161.365,"end":2161.525,"confidence":0.998492,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0793648511171341},{"word":"you","start":2161.525,"end":2161.6848,"confidence":0.99832624,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09446965903043748},{"word":"on","start":2161.6848,"end":2161.845,"confidence":0.9997713,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06613020598888397},{"word":"the","start":2161.845,"end":2162.005,"confidence":0.9995927,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07800107449293137},{"word":"phone","start":2162.005,"end":2162.2449,"confidence":0.99909544,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.06897128373384476},{"word":"here","start":2162.2449,"end":2162.7449,"confidence":0.9997404,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.07260025292634964},{"word":"because","start":2162.9648,"end":2163.4648,"confidence":0.7768773,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06857578456401825},{"word":"it's","start":2163.765,"end":2164.005,"confidence":0.98407745,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05164984613656998},{"word":"the","start":2164.005,"end":2164.1648,"confidence":0.99782676,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07060522586107254},{"word":"first","start":2164.1648,"end":2164.4048,"confidence":0.96952194,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.042162422090768814},{"word":"time","start":2164.4048,"end":2164.565,"confidence":0.99816906,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07158227264881134},{"word":"i've","start":2164.565,"end":2164.7249,"confidence":0.99731433,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05429463088512421},{"word":"actually","start":2164.7249,"end":2165.045,"confidence":0.99958044,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.07054878026247025},{"word":"used","start":2165.045,"end":2165.365,"confidence":0.9946747,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.06337447464466095},{"word":"this","start":2165.365,"end":2165.525,"confidence":0.73759246,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.04814709722995758},{"word":"i","start":2165.525,"end":2165.6848,"confidence":0.5516937,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06687381863594055},{"word":"do","start":2165.6848,"end":2165.9248,"confidence":0.99969876,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08229532092809677},{"word":"apologize","start":2165.9248,"end":2166.4248,"confidence":0.99752504,"punctuated_word":"apologize.","sentiment":"neutral","sentiment_score":-0.004080120474100113},{"word":"beautiful","start":2171.0598,"end":2171.5598,"confidence":0.998296,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.42568790912628174},{"word":"so","start":2172.5,"end":2172.66,"confidence":0.8505217,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2414194941520691},{"word":"this","start":2172.66,"end":2172.9,"confidence":0.99929166,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.28708308935165405},{"word":"is","start":2172.9,"end":2173.0598,"confidence":0.98741686,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2557068467140198},{"word":"just","start":2173.0598,"end":2173.22,"confidence":0.9202887,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.28253573179244995},{"word":"a","start":2173.22,"end":2173.38,"confidence":0.98462206,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.321816086769104},{"word":"secure","start":2173.38,"end":2173.7798,"confidence":0.9938267,"punctuated_word":"secure","sentiment":"neutral","sentiment_score":0.2199015915393829},{"word":"way","start":2173.7798,"end":2174.0198,"confidence":0.98951197,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.2705555260181427},{"word":"so","start":2174.0198,"end":2174.18,"confidence":0.9996929,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1907588094472885},{"word":"what","start":2174.18,"end":2174.3398,"confidence":0.9998105,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.14629775285720825},{"word":"we","start":2174.3398,"end":2174.5798,"confidence":0.99956363,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12462784349918364},{"word":"used","start":2174.5798,"end":2174.74,"confidence":0.97435343,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.1366109848022461},{"word":"to","start":2174.74,"end":2174.8198,"confidence":0.99921644,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14071282744407654},{"word":"do","start":2174.8198,"end":2174.98,"confidence":0.9997811,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15270835161209106},{"word":"is","start":2174.98,"end":2175.14,"confidence":0.9994147,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11309852451086044},{"word":"we","start":2175.14,"end":2175.2998,"confidence":0.995447,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12677645683288574},{"word":"used","start":2175.2998,"end":2175.5398,"confidence":0.9941632,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.08457338809967041},{"word":"to","start":2175.5398,"end":2175.6199,"confidence":0.99959177,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09054645895957948},{"word":"just","start":2175.6199,"end":2175.8599,"confidence":0.9986507,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1377844363451004},{"word":"ask","start":2175.8599,"end":2176.0999,"confidence":0.99924695,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.15455827116966248},{"word":"you","start":2176.0999,"end":2176.5999,"confidence":0.9997328,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10275138169527054},{"word":"via","start":2176.8198,"end":2177.14,"confidence":0.90826774,"punctuated_word":"via","sentiment":"neutral","sentiment_score":0.1196836680173874},{"word":"text","start":2177.14,"end":2177.46,"confidence":0.99693406,"punctuated_word":"text","sentiment":"neutral","sentiment_score":0.16855092346668243},{"word":"message","start":2177.46,"end":2177.7798,"confidence":0.9894037,"punctuated_word":"message","sentiment":"neutral","sentiment_score":0.10511399060487749},{"word":"or","start":2177.7798,"end":2177.94,"confidence":0.99855644,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07995389401912689},{"word":"email","start":2177.94,"end":2178.26,"confidence":0.99544513,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.12713146209716797},{"word":"to","start":2178.26,"end":2178.42,"confidence":0.99829835,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10020402073860168},{"word":"provide","start":2178.42,"end":2178.74,"confidence":0.9998734,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.1307847499847412},{"word":"a","start":2178.74,"end":2178.9,"confidence":0.9996655,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1279808133840561},{"word":"copy","start":2178.9,"end":2179.22,"confidence":0.99989116,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.09517154097557068},{"word":"of","start":2179.22,"end":2179.38,"confidence":0.99966395,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11511731147766112},{"word":"your","start":2179.38,"end":2179.6199,"confidence":0.9997855,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12051941454410552},{"word":"id","start":2179.6199,"end":2180.1199,"confidence":0.9970973,"punctuated_word":"ID.","sentiment":"neutral","sentiment_score":0.1261359453201294},{"word":"doing","start":2180.66,"end":2180.98,"confidence":0.9994374,"punctuated_word":"Doing","sentiment":"neutral","sentiment_score":0.09479982405900957},{"word":"it","start":2180.98,"end":2181.14,"confidence":0.99927634,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09026157855987547},{"word":"this","start":2181.14,"end":2181.375,"confidence":0.99958056,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12934918701648712},{"word":"way","start":2181.535,"end":2181.855,"confidence":0.9998956,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.2751798927783966},{"word":"is","start":2181.855,"end":2182.335,"confidence":0.99946624,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.30428314208984375},{"word":"much","start":2182.335,"end":2182.655,"confidence":0.9722536,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.3505813479423523},{"word":"more","start":2182.655,"end":2182.895,"confidence":0.9996668,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2815834879875183},{"word":"secure","start":2182.895,"end":2183.295,"confidence":0.9991041,"punctuated_word":"secure","sentiment":"neutral","sentiment_score":0.24853037297725675},{"word":"for","start":2183.295,"end":2183.535,"confidence":0.9990231,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4109019637107849},{"word":"you","start":2183.535,"end":2183.775,"confidence":0.97102946,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35268136858940125},{"word":"both","start":2183.775,"end":2184.275,"confidence":0.9968189,"punctuated_word":"both.","sentiment":"positive","sentiment_score":0.3682705163955689},{"word":"it's","start":2184.495,"end":2184.735,"confidence":0.9111474,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.19665297865867615},{"word":"essentially","start":2184.735,"end":2185.235,"confidence":0.8937298,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.16185811161994934},{"word":"the","start":2185.935,"end":2186.015,"confidence":0.47604278,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20835603773593905},{"word":"system","start":2186.015,"end":2186.495,"confidence":0.9986527,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.2526390254497528},{"word":"sends","start":2186.495,"end":2186.815,"confidence":0.9974011,"punctuated_word":"sends","sentiment":"neutral","sentiment_score":0.22453203797340393},{"word":"you","start":2186.815,"end":2187.055,"confidence":0.99964297,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.242711678147316},{"word":"an","start":2187.055,"end":2187.295,"confidence":0.99978656,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.20619449019432068},{"word":"email","start":2187.295,"end":2187.695,"confidence":0.99983144,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.16606751084327698},{"word":"link","start":2187.695,"end":2187.855,"confidence":0.94899976,"punctuated_word":"link.","sentiment":"neutral","sentiment_score":0.17131289839744568},{"word":"it","start":2187.855,"end":2188.015,"confidence":0.9997142,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.17176027595996857},{"word":"asks","start":2188.015,"end":2188.335,"confidence":0.9991824,"punctuated_word":"asks","sentiment":"neutral","sentiment_score":0.1833646297454834},{"word":"you","start":2188.335,"end":2188.575,"confidence":0.9992592,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2219634056091309},{"word":"to","start":2188.575,"end":2188.655,"confidence":0.99885356,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18890848755836487},{"word":"follow","start":2188.655,"end":2188.895,"confidence":0.99980265,"punctuated_word":"follow","sentiment":"neutral","sentiment_score":0.18960970640182495},{"word":"the","start":2188.895,"end":2189.135,"confidence":0.99918944,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2405042052268982},{"word":"prompt","start":2189.135,"end":2189.375,"confidence":0.5036943,"punctuated_word":"prompt","sentiment":"neutral","sentiment_score":0.19889873266220093},{"word":"just","start":2189.375,"end":2189.615,"confidence":0.7290978,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23226407170295715},{"word":"to","start":2189.615,"end":2189.695,"confidence":0.9982216,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1751103699207306},{"word":"take","start":2189.695,"end":2190.195,"confidence":0.95843005,"punctuated_word":"take,","sentiment":"neutral","sentiment_score":0.20014354586601257},{"word":"like","start":2190.415,"end":2190.655,"confidence":0.93901426,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2166069447994232},{"word":"photos","start":2190.655,"end":2191.135,"confidence":0.9994265,"punctuated_word":"photos","sentiment":"neutral","sentiment_score":0.1471892148256302},{"word":"of","start":2191.135,"end":2191.295,"confidence":0.9987618,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14695298671722412},{"word":"your","start":2191.295,"end":2191.535,"confidence":0.9978853,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18326488137245175},{"word":"back","start":2191.535,"end":2191.695,"confidence":0.99264175,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.17230011522769928},{"word":"in","start":2191.695,"end":2191.855,"confidence":0.52968705,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21631674468517303},{"word":"front","start":2191.855,"end":2192.095,"confidence":0.99982375,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.25305530428886414},{"word":"of","start":2192.095,"end":2192.175,"confidence":0.9992028,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2800446152687073},{"word":"your","start":2192.175,"end":2192.415,"confidence":0.991918,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22940856218338013},{"word":"id","start":2192.415,"end":2192.815,"confidence":0.9995859,"punctuated_word":"ID","sentiment":"neutral","sentiment_score":0.22391903400421145},{"word":"and","start":2192.815,"end":2193.055,"confidence":0.92759216,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2169426679611206},{"word":"generally","start":2193.055,"end":2193.455,"confidence":0.77133036,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.22902825474739075},{"word":"yourself","start":2193.455,"end":2193.955,"confidence":0.97129357,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.27631106972694397},{"word":"as","start":2194.015,"end":2194.175,"confidence":0.9997795,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.30396413803100586},{"word":"well","start":2194.175,"end":2194.675,"confidence":0.9807611,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2465153932571411},{"word":"and","start":2195.33,"end":2195.65,"confidence":0.978501,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.20061880350112915},{"word":"this","start":2195.65,"end":2195.97,"confidence":0.9992113,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.17343375086784363},{"word":"way","start":2195.97,"end":2196.1301,"confidence":0.931911,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.24355709552764893},{"word":"it's","start":2196.1301,"end":2196.37,"confidence":0.99985087,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.285938024520874},{"word":"much","start":2196.37,"end":2196.61,"confidence":0.9998367,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.3163120448589325},{"word":"more","start":2196.61,"end":2196.85,"confidence":0.9994319,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.24703797698020935},{"word":"secure","start":2196.85,"end":2197.33,"confidence":0.8350891,"punctuated_word":"secure,","sentiment":"neutral","sentiment_score":0.23471979796886444},{"word":"so","start":2197.33,"end":2197.49,"confidence":0.9995209,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.26003777980804443},{"word":"we're","start":2197.49,"end":2197.65,"confidence":0.99988186,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.21979063749313352},{"word":"not","start":2197.65,"end":2197.8901,"confidence":0.9999515,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1494615077972412},{"word":"getting","start":2197.8901,"end":2198.05,"confidence":0.99990606,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.15351751446723938},{"word":"anything","start":2198.05,"end":2198.53,"confidence":0.9996332,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.0766681656241417},{"word":"via","start":2198.53,"end":2198.77,"confidence":0.96459955,"punctuated_word":"via","sentiment":"neutral","sentiment_score":0.055130377411842346},{"word":"text","start":2198.77,"end":2199.09,"confidence":0.9953047,"punctuated_word":"text","sentiment":"neutral","sentiment_score":-0.06455817818641663},{"word":"message","start":2199.09,"end":2199.59,"confidence":0.9996575,"punctuated_word":"message.","sentiment":"neutral","sentiment_score":0.03446999564766884},{"word":"this","start":2199.8901,"end":2200.05,"confidence":0.9565174,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.10878327488899232},{"word":"is","start":2200.05,"end":2200.29,"confidence":0.9997385,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13014310598373413},{"word":"all","start":2200.29,"end":2200.69,"confidence":0.99963844,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.14998167753219604},{"word":"approved","start":2200.69,"end":2201.17,"confidence":0.99952793,"punctuated_word":"approved","sentiment":"neutral","sentiment_score":0.1907045543193817},{"word":"by","start":2201.17,"end":2201.25,"confidence":0.9995679,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.19691582024097443},{"word":"the","start":2201.25,"end":2201.49,"confidence":0.9939866,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2112615406513214},{"word":"f","start":2201.49,"end":2201.73,"confidence":0.92442054,"punctuated_word":"f","sentiment":"neutral","sentiment_score":0.23535944521427157},{"word":"triple","start":2201.73,"end":2202.05,"confidence":0.8028162,"punctuated_word":"triple","sentiment":"neutral","sentiment_score":0.2572959065437317},{"word":"a","start":2202.05,"end":2202.21,"confidence":0.9238064,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.2351441830396652},{"word":"so","start":2202.21,"end":2202.37,"confidence":0.9923523,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.25314947962760925},{"word":"the","start":2202.37,"end":2202.53,"confidence":0.99378693,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2311827689409256},{"word":"financial","start":2202.53,"end":2202.93,"confidence":0.9357597,"punctuated_word":"Financial","sentiment":"neutral","sentiment_score":0.1704152226448059},{"word":"planning","start":2202.93,"end":2203.33,"confidence":0.9996712,"punctuated_word":"Planning","sentiment":"neutral","sentiment_score":0.1980494260787964},{"word":"association","start":2203.33,"end":2203.83,"confidence":0.99820805,"punctuated_word":"Association","sentiment":"neutral","sentiment_score":0.21663787961006165},{"word":"of","start":2203.8901,"end":2204.05,"confidence":0.99778986,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16568315029144287},{"word":"australia","start":2204.05,"end":2204.53,"confidence":0.9996358,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.16712051630020142},{"word":"in","start":2204.53,"end":2204.69,"confidence":0.96796215,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2403789758682251},{"word":"unison","start":2204.69,"end":2205.09,"confidence":0.57119197,"punctuated_word":"unison","sentiment":"neutral","sentiment_score":0.2512233257293701},{"word":"with","start":2205.09,"end":2205.33,"confidence":0.9970632,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2956341505050659},{"word":"asic","start":2205.33,"end":2205.83,"confidence":0.66524494,"punctuated_word":"ASIC.","sentiment":"neutral","sentiment_score":0.19897723197937012},{"word":"so","start":2206.37,"end":2206.53,"confidence":0.98803735,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24287307262420657},{"word":"it's","start":2206.53,"end":2206.77,"confidence":0.9994985,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3016798496246338},{"word":"much","start":2206.77,"end":2207.09,"confidence":0.9996723,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.33879929780960083},{"word":"better","start":2207.09,"end":2207.41,"confidence":0.99876887,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.2676260769367218},{"word":"for","start":2207.41,"end":2207.65,"confidence":0.99954563,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4112538695335388},{"word":"you","start":2207.65,"end":2207.73,"confidence":0.9999051,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.36895692348480225},{"word":"to","start":2207.73,"end":2207.8901,"confidence":0.99958986,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.38148462772369385},{"word":"do","start":2207.8901,"end":2208.05,"confidence":0.99991274,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.40536803007125854},{"word":"it","start":2208.05,"end":2208.1301,"confidence":0.9997991,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3708175122737885},{"word":"this","start":2208.1301,"end":2208.37,"confidence":0.99978215,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.4646626114845276},{"word":"way","start":2208.37,"end":2208.87,"confidence":0.9997931,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.30613481998443604},{"word":"i'm","start":2209.57,"end":2209.73,"confidence":0.9890897,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.14201316237449646},{"word":"just","start":2209.73,"end":2209.8901,"confidence":0.9935035,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11908058822155},{"word":"gonna","start":2209.8901,"end":2210.21,"confidence":0.99558336,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.05169720947742462},{"word":"go","start":2210.21,"end":2210.37,"confidence":0.9995234,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.015011370182037354},{"word":"in","start":2210.37,"end":2210.655,"confidence":0.94944286,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.01505380216985941},{"word":"sorry","start":2210.895,"end":2211.295,"confidence":0.9981879,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.02066231518983841},{"word":"and","start":2211.295,"end":2211.795,"confidence":0.9983014,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.009128201752901076},{"word":"set","start":2212.335,"end":2212.495,"confidence":0.99773043,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.01195121929049492},{"word":"it","start":2212.495,"end":2212.655,"confidence":0.9904199,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.012349579483270643},{"word":"up","start":2212.655,"end":2212.815,"confidence":0.9997243,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0019351430237293243},{"word":"because","start":2212.815,"end":2213.055,"confidence":0.69138587,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.006592197343707085},{"word":"i","start":2213.055,"end":2213.215,"confidence":0.9999299,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011945478618144987},{"word":"have","start":2213.215,"end":2213.375,"confidence":0.99991727,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.012918256223201752},{"word":"to","start":2213.375,"end":2213.875,"confidence":0.9989987,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.020499642938375473},{"word":"prompt","start":2214.0151,"end":2214.335,"confidence":0.99636286,"punctuated_word":"prompt","sentiment":"neutral","sentiment_score":0.02150670811533928},{"word":"it","start":2214.335,"end":2214.495,"confidence":0.99177164,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03170899301767349},{"word":"to","start":2214.495,"end":2214.655,"confidence":0.99887615,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0008191913366317749},{"word":"send","start":2214.655,"end":2214.895,"confidence":0.99607015,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.015959715470671654},{"word":"through","start":2214.895,"end":2215.135,"confidence":0.8412788,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.015508618205785751},{"word":"to","start":2215.135,"end":2215.295,"confidence":0.97748524,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03738151490688324},{"word":"you","start":2215.295,"end":2215.455,"confidence":0.9483284,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.03220655769109726},{"word":"and","start":2215.455,"end":2215.615,"confidence":0.9998673,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.022748799994587895},{"word":"i've","start":2215.615,"end":2215.7751,"confidence":0.99945766,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.01946461945772171},{"word":"gotta","start":2215.7751,"end":2216.0151,"confidence":0.5308822,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.021488841623067856},{"word":"answer","start":2216.0151,"end":2216.335,"confidence":0.995552,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":0.011960798874497414},{"word":"a","start":2216.335,"end":2216.415,"confidence":0.99939036,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.028372790664434433},{"word":"couple","start":2216.415,"end":2216.735,"confidence":0.9999088,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.023636864498257637},{"word":"of","start":2216.735,"end":2216.815,"confidence":0.9977125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.022660993039608},{"word":"questions","start":2216.815,"end":2217.295,"confidence":0.9995111,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.011362692341208458},{"word":"to","start":2217.295,"end":2217.455,"confidence":0.9984005,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0016782935708761215},{"word":"begin","start":2217.455,"end":2217.855,"confidence":0.99992573,"punctuated_word":"begin","sentiment":"neutral","sentiment_score":0.00531693734228611},{"word":"with","start":2217.855,"end":2218.355,"confidence":0.9996009,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":-0.007929348386824131},{"word":"sorry","start":2220.495,"end":2220.735,"confidence":0.94039226,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.10585704445838928},{"word":"it","start":2220.735,"end":2220.815,"confidence":0.51555514,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.2003469169139862},{"word":"won't","start":2220.815,"end":2221.055,"confidence":0.99188244,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.1435229480266571},{"word":"be","start":2221.055,"end":2221.295,"confidence":0.9993728,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16849680244922638},{"word":"two","start":2221.295,"end":2221.535,"confidence":0.92656827,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.20917882025241852},{"word":"seconds","start":2221.535,"end":2222.0151,"confidence":0.9405383,"punctuated_word":"seconds.","sentiment":"neutral","sentiment_score":-0.1954034268856049},{"word":"just","start":2222.0151,"end":2222.2551,"confidence":0.99010044,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.13184545934200287},{"word":"logging","start":2222.2551,"end":2222.655,"confidence":0.99832636,"punctuated_word":"logging","sentiment":"neutral","sentiment_score":-0.1203843206167221},{"word":"in","start":2222.655,"end":2223.155,"confidence":0.99750066,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.11731171607971191},{"word":"my","start":2223.455,"end":2223.615,"confidence":0.99430275,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.2944520115852356},{"word":"computer's","start":2223.615,"end":2224.095,"confidence":0.85642946,"punctuated_word":"computer's","sentiment":"neutral","sentiment_score":-0.29666754603385925},{"word":"a","start":2224.095,"end":2224.32,"confidence":0.93648034,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.34181851148605347},{"word":"little","start":2224.32,"end":2224.56,"confidence":0.9975242,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.3203596770763397},{"word":"bit","start":2224.56,"end":2224.72,"confidence":0.9994629,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3550489544868469},{"word":"slow","start":2224.72,"end":2225.0,"confidence":0.98897773,"punctuated_word":"slow","sentiment":"neutral","sentiment_score":-0.3168770372867584},{"word":"this","start":2225.0,"end":2225.28,"confidence":0.9998423,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.35852766036987305},{"word":"afternoon","start":2225.28,"end":2225.78,"confidence":0.9999401,"punctuated_word":"afternoon.","sentiment":"neutral","sentiment_score":-0.3189731240272522},{"word":"there","start":2226.8801,"end":2227.12,"confidence":0.96800786,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.15271785855293274},{"word":"we","start":2227.12,"end":2227.28,"confidence":0.9997322,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13475845754146576},{"word":"go","start":2227.28,"end":2227.78,"confidence":0.99964744,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":-0.10565352439880372},{"word":"oh","start":2230.1602,"end":2230.32,"confidence":0.9544277,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.19049903750419617},{"word":"it's","start":2230.32,"end":2230.56,"confidence":0.983961,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.25617560744285583},{"word":"not","start":2230.56,"end":2230.8,"confidence":0.99960834,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2971360683441162},{"word":"working","start":2230.8,"end":2231.3,"confidence":0.99356973,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":-0.3141542673110962},{"word":"sorry","start":2234.08,"end":2234.4001,"confidence":0.97006273,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.23298504948616028},{"word":"it's","start":2234.4001,"end":2234.6401,"confidence":0.93346447,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.3134181499481201},{"word":"still","start":2234.6401,"end":2234.96,"confidence":0.99945694,"punctuated_word":"still","sentiment":"negative","sentiment_score":-0.3419210612773895},{"word":"telling","start":2234.96,"end":2235.2,"confidence":0.99986076,"punctuated_word":"telling","sentiment":"negative","sentiment_score":-0.34158486127853394},{"word":"me","start":2235.2,"end":2235.36,"confidence":0.9996896,"punctuated_word":"me","sentiment":"negative","sentiment_score":-0.3363993465900421},{"word":"there's","start":2235.36,"end":2235.6,"confidence":0.99683446,"punctuated_word":"there's","sentiment":"negative","sentiment_score":-0.355849027633667},{"word":"an","start":2235.6,"end":2235.76,"confidence":0.9986265,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.3661972582340241},{"word":"error","start":2235.76,"end":2236.26,"confidence":0.9995762,"punctuated_word":"error.","sentiment":"neutral","sentiment_score":-0.2996535301208496},{"word":"i","start":2237.115,"end":2237.355,"confidence":0.9991872,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.283741295337677},{"word":"had","start":2237.355,"end":2237.515,"confidence":0.99943894,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.23545756936073303},{"word":"trouble","start":2237.515,"end":2237.675,"confidence":0.9988619,"punctuated_word":"trouble","sentiment":"neutral","sentiment_score":-0.28976231813430786},{"word":"i","start":2237.835,"end":2237.9949,"confidence":0.9999492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2917448878288269},{"word":"was","start":2237.9949,"end":2238.155,"confidence":0.9999496,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.25933897495269775},{"word":"logging","start":2238.155,"end":2238.395,"confidence":0.9888903,"punctuated_word":"logging","sentiment":"neutral","sentiment_score":-0.2632402181625366},{"word":"into","start":2238.395,"end":2238.635,"confidence":0.9178613,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.20733071863651276},{"word":"this","start":2238.635,"end":2238.875,"confidence":0.99983513,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.21448034048080444},{"word":"yesterday","start":2238.875,"end":2239.275,"confidence":0.99986947,"punctuated_word":"yesterday","sentiment":"neutral","sentiment_score":-0.11602730304002762},{"word":"to","start":2239.275,"end":2239.435,"confidence":0.99935037,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13980062305927277},{"word":"test","start":2239.435,"end":2239.755,"confidence":0.9998925,"punctuated_word":"test","sentiment":"neutral","sentiment_score":-0.08104119449853897},{"word":"it","start":2239.755,"end":2239.915,"confidence":0.9981139,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.17503227293491364},{"word":"for","start":2239.915,"end":2240.155,"confidence":0.9996476,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.12299436330795288},{"word":"you","start":2240.155,"end":2240.395,"confidence":0.9998211,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18953582644462583},{"word":"before","start":2240.395,"end":2240.795,"confidence":0.99911743,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.15791095793247223},{"word":"i","start":2240.795,"end":2240.955,"confidence":0.9996008,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23142582178115845},{"word":"sent","start":2240.955,"end":2241.115,"confidence":0.5049446,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":-0.18169932067394257},{"word":"it","start":2241.115,"end":2241.275,"confidence":0.9995091,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2653356194496155},{"word":"through","start":2241.275,"end":2241.775,"confidence":0.9515944,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":-0.1837669163942337},{"word":"but","start":2242.395,"end":2242.875,"confidence":0.9981494,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.26132169365882874},{"word":"it's","start":2242.875,"end":2243.035,"confidence":0.91464055,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.47092267870903015},{"word":"still","start":2243.035,"end":2243.535,"confidence":0.99957305,"punctuated_word":"still","sentiment":"negative","sentiment_score":-0.470779687166214},{"word":"causing","start":2243.915,"end":2244.315,"confidence":0.99214447,"punctuated_word":"causing","sentiment":"negative","sentiment_score":-0.4696859419345856},{"word":"a","start":2244.315,"end":2244.475,"confidence":0.99375314,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.41528791189193726},{"word":"problem","start":2244.475,"end":2244.955,"confidence":0.99978596,"punctuated_word":"problem","sentiment":"negative","sentiment_score":-0.42293626070022583},{"word":"for","start":2244.955,"end":2245.115,"confidence":0.9996132,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.4300483465194702},{"word":"me","start":2245.115,"end":2245.615,"confidence":0.9899185,"punctuated_word":"me.","sentiment":"negative","sentiment_score":-0.4141048491001129},{"word":"come","start":2246.875,"end":2247.115,"confidence":0.35461044,"punctuated_word":"Come","sentiment":"neutral","sentiment_score":-0.192159041762352},{"word":"on","start":2247.115,"end":2247.275,"confidence":0.95792174,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.12004195898771286},{"word":"there","start":2247.275,"end":2247.775,"confidence":0.92571604,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.15099933743476868},{"word":"alright","start":2251.115,"end":2251.56,"confidence":0.8240926,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":-0.014180360361933708},{"word":"still","start":2251.6401,"end":2251.8,"confidence":0.9995621,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":-0.06943448632955551},{"word":"not","start":2251.8,"end":2251.96,"confidence":0.99952793,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.14534039795398712},{"word":"working","start":2251.96,"end":2252.46,"confidence":0.99848056,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":-0.08549588173627853},{"word":"done","start":2253.1602,"end":2253.6602,"confidence":0.99550045,"punctuated_word":"Done.","sentiment":"neutral","sentiment_score":0.05124957486987114},{"word":"that's","start":2254.28,"end":2254.52,"confidence":0.99936676,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14154264330863953},{"word":"okay","start":2254.52,"end":2255.02,"confidence":0.99970794,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1472124457359314},{"word":"if","start":2255.56,"end":2255.8,"confidence":0.5797496,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.18329644203186035},{"word":"it's","start":2255.8,"end":2256.04,"confidence":0.99932736,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1691713184118271},{"word":"okay","start":2256.04,"end":2256.54,"confidence":0.9989946,"punctuated_word":"okay,","sentiment":"neutral","sentiment_score":0.1596052646636963},{"word":"i","start":2256.6802,"end":2256.9202,"confidence":0.999481,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23703649640083313},{"word":"will","start":2256.9202,"end":2257.1602,"confidence":0.9999404,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.23835372924804688},{"word":"get","start":2257.1602,"end":2257.48,"confidence":0.9998323,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.192081481218338},{"word":"this","start":2257.48,"end":2257.8801,"confidence":0.99987924,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1799100637435913},{"word":"updated","start":2257.8801,"end":2258.28,"confidence":0.9965178,"punctuated_word":"updated.","sentiment":"neutral","sentiment_score":0.1912123411893845},{"word":"there","start":2258.28,"end":2258.44,"confidence":0.97487223,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.1775607168674469},{"word":"seems","start":2258.44,"end":2258.6802,"confidence":0.99909914,"punctuated_word":"seems","sentiment":"neutral","sentiment_score":-0.2002914547920227},{"word":"to","start":2258.6802,"end":2258.76,"confidence":0.99974304,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1530156135559082},{"word":"be","start":2258.76,"end":2258.9202,"confidence":0.99972814,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15269029140472412},{"word":"a","start":2258.9202,"end":2259.0,"confidence":0.9987696,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22334039211273193},{"word":"problem","start":2259.0,"end":2259.32,"confidence":0.99994147,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":-0.31136494874954224},{"word":"with","start":2259.32,"end":2259.48,"confidence":0.99989974,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.5130802392959595},{"word":"the","start":2259.48,"end":2259.56,"confidence":0.9935474,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4617558419704437},{"word":"login","start":2259.56,"end":2259.96,"confidence":0.97121274,"punctuated_word":"login,","sentiment":"negative","sentiment_score":-0.34541967511177063},{"word":"and","start":2259.96,"end":2260.12,"confidence":0.99980026,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2327239215373993},{"word":"i","start":2260.12,"end":2260.2,"confidence":0.9982237,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2408573478460312},{"word":"think","start":2260.2,"end":2260.44,"confidence":0.9999325,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.22457003593444824},{"word":"it's","start":2260.44,"end":2260.6802,"confidence":0.99970675,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.23271775245666504},{"word":"on","start":2260.6802,"end":2260.84,"confidence":0.99942243,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.203926682472229},{"word":"the","start":2260.84,"end":2260.9202,"confidence":0.9993212,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2117045819759369},{"word":"end","start":2260.9202,"end":2261.1602,"confidence":0.99985635,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.2163594365119934},{"word":"of","start":2261.1602,"end":2261.32,"confidence":0.9994998,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2194078713655472},{"word":"the","start":2261.32,"end":2261.8,"confidence":0.99959046,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2157749384641647},{"word":"the","start":2261.8,"end":2262.04,"confidence":0.9344806,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17667420208454132},{"word":"system","start":2262.04,"end":2262.54,"confidence":0.9994629,"punctuated_word":"system.","sentiment":"neutral","sentiment_score":-0.26101985573768616},{"word":"if","start":2263.24,"end":2263.4001,"confidence":0.988581,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.03892548009753227},{"word":"it's","start":2263.4001,"end":2263.575,"confidence":0.9956467,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.01708323135972023},{"word":"okay","start":2263.7349,"end":2264.055,"confidence":0.9988172,"punctuated_word":"okay,","sentiment":"neutral","sentiment_score":0.045071303844451904},{"word":"can","start":2264.055,"end":2264.295,"confidence":0.9996735,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09624364972114564},{"word":"i","start":2264.295,"end":2264.4548,"confidence":0.99995184,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09335008263587952},{"word":"get","start":2264.4548,"end":2264.775,"confidence":0.9998621,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09709595143795012},{"word":"maddie","start":2264.775,"end":2265.095,"confidence":0.9490299,"punctuated_word":"Maddie","sentiment":"neutral","sentiment_score":0.12305228412151337},{"word":"to","start":2265.095,"end":2265.255,"confidence":0.9989906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11181291937828064},{"word":"follow-up","start":2265.255,"end":2265.655,"confidence":0.9999247,"punctuated_word":"follow-up","sentiment":"neutral","sentiment_score":0.08821874856948853},{"word":"with","start":2265.655,"end":2265.815,"confidence":0.9998779,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12455539405345915},{"word":"you","start":2265.815,"end":2265.9749,"confidence":0.996682,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06830313801765442},{"word":"both","start":2265.9749,"end":2266.375,"confidence":0.98918647,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.08792789280414581},{"word":"just","start":2266.375,"end":2266.695,"confidence":0.961719,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10934452712535858},{"word":"to","start":2266.695,"end":2266.775,"confidence":0.9996867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06917696446180344},{"word":"kinda","start":2266.775,"end":2267.175,"confidence":0.9424049,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.09917718172073364},{"word":"send","start":2267.175,"end":2267.415,"confidence":0.9992507,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.09996182471513748},{"word":"that","start":2267.415,"end":2267.575,"confidence":0.99966085,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10101324319839478},{"word":"link","start":2267.575,"end":2268.055,"confidence":0.99961674,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.08952046185731888},{"word":"out","start":2268.055,"end":2268.555,"confidence":0.999549,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1231481209397316},{"word":"and","start":2268.935,"end":2269.095,"confidence":0.79205567,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07723668217658997},{"word":"get","start":2269.095,"end":2269.335,"confidence":0.9986933,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05403595045208931},{"word":"a","start":2269.335,"end":2269.4949,"confidence":0.95272183,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05516958609223366},{"word":"copy","start":2269.4949,"end":2269.815,"confidence":0.97714204,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.038314104080200195},{"word":"of","start":2269.815,"end":2269.9749,"confidence":0.99927884,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05667490512132645},{"word":"your","start":2269.9749,"end":2270.295,"confidence":0.99853826,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04375050961971283},{"word":"id","start":2270.295,"end":2270.795,"confidence":0.9992623,"punctuated_word":"ID","sentiment":"neutral","sentiment_score":0.04008843004703522},{"word":"organized","start":2271.015,"end":2271.515,"confidence":0.8670966,"punctuated_word":"organized","sentiment":"neutral","sentiment_score":0.034714408218860626},{"word":"through","start":2271.575,"end":2271.815,"confidence":0.99461704,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05515959113836289},{"word":"price","start":2271.815,"end":2272.055,"confidence":0.7659477,"punctuated_word":"price,","sentiment":"neutral","sentiment_score":0.04472699388861656},{"word":"the","start":2272.055,"end":2272.295,"confidence":0.98508716,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06267471611499786},{"word":"advice","start":2272.295,"end":2272.695,"confidence":0.90669847,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.046359650790691376},{"word":"being","start":2272.695,"end":2272.935,"confidence":0.96371907,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.04386990889906883},{"word":"completed","start":2272.935,"end":2273.335,"confidence":0.8923104,"punctuated_word":"completed?","sentiment":"neutral","sentiment_score":0.05007542669773102},{"word":"is","start":2273.335,"end":2273.4949,"confidence":0.99984574,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.08130252361297607},{"word":"that","start":2273.4949,"end":2273.655,"confidence":0.99993086,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12742696702480316},{"word":"absolutely","start":2273.655,"end":2274.135,"confidence":0.9993587,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.09381692111492156},{"word":"okay","start":2274.135,"end":2274.4548,"confidence":0.99974614,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.04574781656265259},{"word":"with","start":2274.4548,"end":2274.615,"confidence":0.9998969,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.021961554884910583},{"word":"either","start":2274.615,"end":2274.855,"confidence":0.9987419,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.10864806175231934},{"word":"of","start":2274.855,"end":2275.015,"confidence":0.9995839,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06064788997173309},{"word":"you","start":2275.015,"end":2275.515,"confidence":0.99994737,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.004343125969171524},{"word":"yep","start":2276.295,"end":2276.795,"confidence":0.91948104,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04610581696033478},{"word":"fantastic","start":2277.095,"end":2277.595,"confidence":0.9995986,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4546186327934265},{"word":"i'm","start":2277.7349,"end":2277.895,"confidence":0.9995774,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12376364320516586},{"word":"so","start":2277.895,"end":2278.135,"confidence":0.997027,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.17806921899318695},{"word":"sorry","start":2278.135,"end":2278.4548,"confidence":0.99975294,"punctuated_word":"sorry","sentiment":"neutral","sentiment_score":0.1064947545528412},{"word":"about","start":2278.4548,"end":2278.695,"confidence":0.99976856,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13993681967258453},{"word":"that","start":2278.695,"end":2278.95,"confidence":0.99888444,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.03666265308856964},{"word":"i","start":2279.1099,"end":2279.27,"confidence":0.8253628,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27598369121551514},{"word":"love","start":2279.27,"end":2279.43,"confidence":0.9963039,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.4403509497642517},{"word":"technology","start":2279.43,"end":2279.91,"confidence":0.9994326,"punctuated_word":"technology","sentiment":"positive","sentiment_score":0.334475576877594},{"word":"when","start":2279.91,"end":2280.15,"confidence":0.9996897,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.43083587288856506},{"word":"it","start":2280.15,"end":2280.31,"confidence":0.99913675,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.45771923661231995},{"word":"wants","start":2280.31,"end":2280.55,"confidence":0.99905306,"punctuated_word":"wants","sentiment":"positive","sentiment_score":0.4116121828556061},{"word":"to","start":2280.55,"end":2280.63,"confidence":0.9988287,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.43545421957969666},{"word":"work","start":2280.63,"end":2280.8699,"confidence":0.99969935,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.4255955219268799},{"word":"for","start":2280.8699,"end":2281.3699,"confidence":0.99916553,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3927980065345764},{"word":"us","start":2283.19,"end":2283.69,"confidence":0.99839544,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.30631425976753235},{"word":"all","start":2283.75,"end":2283.99,"confidence":0.94623786,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.6092938780784607},{"word":"good","start":2283.99,"end":2284.49,"confidence":0.9998885,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4647359848022461},{"word":"now","start":2284.8699,"end":2285.1099,"confidence":0.54082865,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.19254447519779205},{"word":"the","start":2285.1099,"end":2285.27,"confidence":0.9990049,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16384150087833405},{"word":"other","start":2285.27,"end":2285.43,"confidence":0.99993145,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.17269285023212433},{"word":"thing","start":2285.43,"end":2285.67,"confidence":0.9994987,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.22484779357910156},{"word":"to","start":2285.67,"end":2285.75,"confidence":0.9983486,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1879277229309082},{"word":"have","start":2285.75,"end":2285.99,"confidence":0.99987817,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1649026870727539},{"word":"a","start":2285.99,"end":2286.07,"confidence":0.9975466,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15120983123779297},{"word":"chat","start":2286.07,"end":2286.31,"confidence":0.9988716,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.16299518942832947},{"word":"about","start":2286.31,"end":2286.47,"confidence":0.9914206,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14109589159488678},{"word":"is","start":2286.47,"end":2286.71,"confidence":0.9996755,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14189793169498444},{"word":"the","start":2286.71,"end":2286.8699,"confidence":0.99903476,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.148387610912323},{"word":"insurance","start":2286.8699,"end":2287.3699,"confidence":0.9992242,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.13719713687896729},{"word":"side","start":2287.43,"end":2287.67,"confidence":0.9996276,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.1482681930065155},{"word":"of","start":2287.67,"end":2287.8298,"confidence":0.99940753,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11221149563789368},{"word":"things","start":2287.8298,"end":2288.15,"confidence":0.9998356,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.13648301362991333},{"word":"as","start":2288.15,"end":2288.31,"confidence":0.9999478,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13034626841545105},{"word":"well","start":2288.31,"end":2288.79,"confidence":0.99861777,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10490472614765169},{"word":"so","start":2288.79,"end":2289.29,"confidence":0.9992648,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14733943343162537},{"word":"in","start":2289.5898,"end":2289.8298,"confidence":0.93732345,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16074877977371216},{"word":"the","start":2289.8298,"end":2290.15,"confidence":0.9998312,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18153248727321625},{"word":"original","start":2290.15,"end":2290.65,"confidence":0.9997516,"punctuated_word":"original","sentiment":"neutral","sentiment_score":0.15617600083351135},{"word":"advice","start":2290.79,"end":2291.1099,"confidence":0.9093643,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.15180233120918274},{"word":"piece","start":2291.1099,"end":2291.3499,"confidence":0.6744154,"punctuated_word":"piece,","sentiment":"neutral","sentiment_score":0.14662672579288483},{"word":"so","start":2291.3499,"end":2291.5898,"confidence":0.55727065,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.21167585253715515},{"word":"lisa","start":2291.5898,"end":2291.99,"confidence":0.98844695,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":0.19491499662399292},{"word":"with","start":2291.99,"end":2292.31,"confidence":0.99951184,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.24422945082187653},{"word":"your","start":2292.31,"end":2292.81,"confidence":0.99951243,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23644399642944336},{"word":"advice","start":2293.315,"end":2293.715,"confidence":0.9934768,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.17417281866073608},{"word":"piece","start":2293.715,"end":2293.955,"confidence":0.97760105,"punctuated_word":"piece,","sentiment":"neutral","sentiment_score":0.17187680304050446},{"word":"you","start":2293.955,"end":2294.115,"confidence":0.9946226,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17058086395263672},{"word":"have","start":2294.115,"end":2294.355,"confidence":0.99972934,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17286954820156095},{"word":"your","start":2294.355,"end":2294.5151,"confidence":0.999311,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14996829628944397},{"word":"life","start":2294.5151,"end":2294.835,"confidence":0.9731786,"punctuated_word":"life,","sentiment":"neutral","sentiment_score":0.13115447759628296},{"word":"your","start":2294.835,"end":2294.995,"confidence":0.9984546,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1030839830636978},{"word":"tbd","start":2294.995,"end":2295.495,"confidence":0.93009835,"punctuated_word":"TBD.","sentiment":"neutral","sentiment_score":0.08500008285045624},{"word":"i'll","start":2296.115,"end":2296.355,"confidence":0.9517101,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.18309259414672852},{"word":"double","start":2296.355,"end":2296.675,"confidence":0.9994209,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.1508905589580536},{"word":"check","start":2296.675,"end":2296.915,"confidence":0.9323945,"punctuated_word":"check,","sentiment":"neutral","sentiment_score":0.16783660650253296},{"word":"and","start":2296.915,"end":2296.995,"confidence":0.999913,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1926448494195938},{"word":"i'll","start":2296.995,"end":2297.155,"confidence":0.99994874,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1777922809123993},{"word":"get","start":2297.155,"end":2297.235,"confidence":0.9997582,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.21519102156162265},{"word":"you","start":2297.235,"end":2297.395,"confidence":0.9994455,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17917852103710177},{"word":"to","start":2297.395,"end":2297.555,"confidence":0.9896091,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21736900508403775},{"word":"resend","start":2297.555,"end":2298.0352,"confidence":0.9990384,"punctuated_word":"resend","sentiment":"neutral","sentiment_score":0.15542113780975342},{"word":"me","start":2298.0352,"end":2298.195,"confidence":0.9722455,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2291526347398758},{"word":"an","start":2298.195,"end":2298.435,"confidence":0.99944705,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.18706616759300232},{"word":"updated","start":2298.435,"end":2298.915,"confidence":0.9977059,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.12323639541864397},{"word":"statement","start":2298.915,"end":2299.315,"confidence":0.99107146,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.18627311289310455},{"word":"for","start":2299.315,"end":2299.475,"confidence":0.95328254,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2108290493488312},{"word":"your","start":2299.475,"end":2299.715,"confidence":0.99655676,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17927756905555725},{"word":"super","start":2299.715,"end":2299.955,"confidence":0.90524536,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.20018422603607175},{"word":"funds","start":2299.955,"end":2300.195,"confidence":0.98789716,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.17332838475704193},{"word":"with","start":2300.195,"end":2300.355,"confidence":0.98690885,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20071890950202945},{"word":"the","start":2300.355,"end":2300.5151,"confidence":0.997752,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19563858211040497},{"word":"updated","start":2300.5151,"end":2300.995,"confidence":0.98432976,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.12224269658327104},{"word":"balances","start":2300.995,"end":2301.475,"confidence":0.9787785,"punctuated_word":"balances","sentiment":"neutral","sentiment_score":0.12945163249969482},{"word":"and","start":2301.475,"end":2301.635,"confidence":0.8833193,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11963128298521042},{"word":"insurance","start":2301.635,"end":2302.115,"confidence":0.9949174,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.06860741972923279},{"word":"side","start":2302.115,"end":2302.2751,"confidence":0.9991165,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.1343306303024292},{"word":"of","start":2302.2751,"end":2302.435,"confidence":0.9994381,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11834527552127838},{"word":"things","start":2302.435,"end":2302.935,"confidence":0.9812572,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.08884021639823914},{"word":"but","start":2303.555,"end":2303.795,"confidence":0.9321958,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.15212686359882355},{"word":"you","start":2303.795,"end":2303.955,"confidence":0.9997198,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2569288909435272},{"word":"had","start":2303.955,"end":2304.2751,"confidence":0.96597034,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1877744048833847},{"word":"about","start":2304.2751,"end":2304.595,"confidence":0.9981969,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.23073966801166537},{"word":"a","start":2304.595,"end":2304.7551,"confidence":0.9958717,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27772724628448486},{"word":"106,000","start":2304.7551,"end":2306.0352,"confidence":0.9991132,"punctuated_word":"106,000","sentiment":"neutral","sentiment_score":0.25070929527282715},{"word":"in","start":2306.0352,"end":2306.2751,"confidence":0.99857605,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18978764116764069},{"word":"life","start":2306.2751,"end":2306.5151,"confidence":0.9233554,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.14700770378112793},{"word":"and","start":2306.5151,"end":2306.675,"confidence":0.96051335,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14509764313697815},{"word":"tbd","start":2306.675,"end":2307.175,"confidence":0.94903076,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.13498197495937347},{"word":"within","start":2307.235,"end":2307.635,"confidence":0.9767984,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.2295318692922592},{"word":"brighter","start":2307.635,"end":2308.05,"confidence":0.7237772,"punctuated_word":"Brighter","sentiment":"neutral","sentiment_score":0.2762724757194519},{"word":"super","start":2308.1301,"end":2308.45,"confidence":0.9502534,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.3061591684818268},{"word":"there","start":2308.45,"end":2308.95,"confidence":0.90957785,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1832967847585678},{"word":"and","start":2309.01,"end":2309.25,"confidence":0.9992976,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18171656131744385},{"word":"we","start":2309.25,"end":2309.49,"confidence":0.9996662,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3328835666179657},{"word":"were","start":2309.49,"end":2309.73,"confidence":0.99787927,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.3171544373035431},{"word":"recommending","start":2309.73,"end":2310.21,"confidence":0.99919444,"punctuated_word":"recommending","sentiment":"positive","sentiment_score":0.3958097994327545},{"word":"to","start":2310.21,"end":2310.45,"confidence":0.9877652,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3510212302207947},{"word":"retain","start":2310.45,"end":2310.77,"confidence":0.99937373,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.2576039731502533},{"word":"your","start":2310.77,"end":2311.01,"confidence":0.9995766,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.38521045446395874},{"word":"income","start":2311.01,"end":2311.4102,"confidence":0.99976796,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.2999669313430786},{"word":"protection","start":2311.4102,"end":2311.8901,"confidence":0.97100663,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.21058017015457153},{"word":"through","start":2311.8901,"end":2312.05,"confidence":0.99242485,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2688848376274109},{"word":"your","start":2312.05,"end":2312.29,"confidence":0.99941564,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.27127689123153687},{"word":"employer","start":2312.29,"end":2312.79,"confidence":0.9995449,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.24013859033584595},{"word":"because","start":2312.85,"end":2313.09,"confidence":0.96306777,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.3968645930290222},{"word":"that","start":2313.09,"end":2313.4102,"confidence":0.9998165,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6396198868751526},{"word":"was","start":2313.4102,"end":2313.73,"confidence":0.9995521,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.6021621227264404},{"word":"a","start":2313.73,"end":2314.05,"confidence":0.99694026,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6611505746841431},{"word":"fantastic","start":2314.05,"end":2314.55,"confidence":0.99992836,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.7399404644966125},{"word":"policy","start":2314.69,"end":2315.19,"confidence":0.99980104,"punctuated_word":"policy.","sentiment":"positive","sentiment_score":0.549777090549469},{"word":"the","start":2317.1702,"end":2317.33,"confidence":0.7879446,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.43233466148376465},{"word":"main","start":2317.33,"end":2317.6501,"confidence":0.99933547,"punctuated_word":"main","sentiment":"positive","sentiment_score":0.5310511589050293},{"word":"sort","start":2317.6501,"end":2317.81,"confidence":0.9588317,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.4857118427753449},{"word":"of","start":2317.81,"end":2317.97,"confidence":0.935936,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4505848288536072},{"word":"reason","start":2317.97,"end":2318.45,"confidence":0.9958364,"punctuated_word":"reason","sentiment":"positive","sentiment_score":0.4132671058177948},{"word":"for","start":2318.45,"end":2318.77,"confidence":0.99969137,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4326842427253723},{"word":"retaining","start":2318.77,"end":2319.25,"confidence":0.9986669,"punctuated_word":"retaining","sentiment":"positive","sentiment_score":0.44555407762527466},{"word":"the","start":2319.25,"end":2319.4102,"confidence":0.987421,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4489963948726654},{"word":"life","start":2319.4102,"end":2319.57,"confidence":0.9917195,"punctuated_word":"life","sentiment":"positive","sentiment_score":0.379540503025055},{"word":"and","start":2319.57,"end":2319.73,"confidence":0.94792575,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.42236757278442383},{"word":"tpd","start":2319.73,"end":2320.21,"confidence":0.9969238,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.33110302686691284},{"word":"was","start":2320.21,"end":2320.37,"confidence":0.9957488,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.4035286009311676},{"word":"that","start":2320.37,"end":2320.53,"confidence":0.99699056,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33604320883750916},{"word":"you","start":2320.53,"end":2320.61,"confidence":0.99961996,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.43500784039497375},{"word":"were","start":2320.61,"end":2320.77,"confidence":0.929864,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.3306163549423218},{"word":"comfortable","start":2320.77,"end":2321.1702,"confidence":0.99963546,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.323119580745697},{"word":"with","start":2321.1702,"end":2321.4102,"confidence":0.99811316,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3674547970294952},{"word":"the","start":2321.4102,"end":2321.49,"confidence":0.9996331,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4007346630096435},{"word":"amount","start":2321.49,"end":2321.81,"confidence":0.99988437,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.308030366897583},{"word":"of","start":2321.81,"end":2321.97,"confidence":0.99956113,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.338814914226532},{"word":"cover","start":2321.97,"end":2322.465,"confidence":0.99976283,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.2528388500213623},{"word":"looking","start":2322.625,"end":2322.7852,"confidence":0.9871284,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.3446005582809448},{"word":"at","start":2322.7852,"end":2322.945,"confidence":0.990673,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.32345259189605713},{"word":"your","start":2322.945,"end":2323.345,"confidence":0.999843,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.30292144417762756},{"word":"balance","start":2323.345,"end":2323.8252,"confidence":0.9994498,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.21339797973632812},{"word":"plus","start":2323.8252,"end":2324.145,"confidence":0.9406181,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.28491315245628357},{"word":"the","start":2324.145,"end":2324.3052,"confidence":0.93752056,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34459638595581055},{"word":"life","start":2324.3052,"end":2324.5452,"confidence":0.96738374,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.1642048954963684},{"word":"cover","start":2324.5452,"end":2324.865,"confidence":0.9993787,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.2646181881427765},{"word":"if","start":2324.865,"end":2325.105,"confidence":0.41572604,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3421283960342407},{"word":"anything","start":2325.105,"end":2325.425,"confidence":0.99986136,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.3585292398929596},{"word":"had","start":2325.425,"end":2325.665,"confidence":0.9893734,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.18666121363639832},{"word":"happened","start":2325.665,"end":2326.145,"confidence":0.64425933,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":0.287349671125412},{"word":"based","start":2326.145,"end":2326.5452,"confidence":0.9927175,"punctuated_word":"based","sentiment":"positive","sentiment_score":0.3792545199394226},{"word":"on","start":2326.5452,"end":2326.705,"confidence":0.99969304,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.39044272899627686},{"word":"the","start":2326.705,"end":2326.7852,"confidence":0.9995484,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35634714365005493},{"word":"loan","start":2326.7852,"end":2327.0251,"confidence":0.9984896,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.2861447334289551},{"word":"that","start":2327.0251,"end":2327.2651,"confidence":0.99943084,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2973349392414093},{"word":"you","start":2327.2651,"end":2327.5051,"confidence":0.99970526,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34525686502456665},{"word":"still","start":2327.5051,"end":2327.745,"confidence":0.99620783,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2356080263853073},{"word":"had","start":2327.745,"end":2328.0652,"confidence":0.99847287,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.24723844230175016},{"word":"owing","start":2328.0652,"end":2328.5652,"confidence":0.99894947,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":0.2728406488895416},{"word":"that","start":2328.7852,"end":2329.0251,"confidence":0.7731868,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2985316216945648},{"word":"was","start":2329.0251,"end":2329.185,"confidence":0.999305,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.28143975138664246},{"word":"gonna","start":2329.185,"end":2329.5051,"confidence":0.99598217,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2878361940383911},{"word":"cover","start":2329.5051,"end":2329.8252,"confidence":0.9991804,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.2435718774795532},{"word":"the","start":2329.8252,"end":2329.985,"confidence":0.9976445,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31299835443496704},{"word":"mortgage","start":2329.985,"end":2330.465,"confidence":0.9993943,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.21470817923545835},{"word":"side","start":2330.465,"end":2330.705,"confidence":0.9973003,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.31112784147262573},{"word":"of","start":2330.705,"end":2330.865,"confidence":0.9982358,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.33935362100601196},{"word":"things","start":2330.865,"end":2331.365,"confidence":0.7372079,"punctuated_word":"things,","sentiment":"positive","sentiment_score":0.38376933336257935},{"word":"and","start":2331.905,"end":2332.0652,"confidence":0.9991666,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4210242927074432},{"word":"you","start":2332.0652,"end":2332.225,"confidence":0.99937683,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5855024456977844},{"word":"were","start":2332.225,"end":2332.385,"confidence":0.92494416,"punctuated_word":"were","sentiment":"positive","sentiment_score":0.5680727958679199},{"word":"fairly","start":2332.385,"end":2332.7852,"confidence":0.99660265,"punctuated_word":"fairly","sentiment":"positive","sentiment_score":0.5832149386405945},{"word":"happy","start":2332.7852,"end":2333.105,"confidence":0.99816954,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5413466691970825},{"word":"with","start":2333.105,"end":2333.2651,"confidence":0.99768114,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6414241194725037},{"word":"that","start":2333.2651,"end":2333.5051,"confidence":0.9813669,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.0298288743942976},{"word":"do","start":2333.5051,"end":2333.665,"confidence":0.99793327,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.010274790227413176},{"word":"you","start":2333.665,"end":2333.905,"confidence":0.9957962,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.001324433833360672},{"word":"feel","start":2333.905,"end":2334.145,"confidence":0.9916789,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.01299811154603958},{"word":"like","start":2334.145,"end":2334.385,"confidence":0.9740491,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.01732349768280983},{"word":"you","start":2334.385,"end":2334.5452,"confidence":0.9972625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011732608079910278},{"word":"wanna","start":2334.5452,"end":2334.7852,"confidence":0.9939381,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.008802223950624466},{"word":"look","start":2334.7852,"end":2335.0251,"confidence":0.9831865,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.024166777729988095},{"word":"at","start":2335.0251,"end":2335.105,"confidence":0.9828409,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02870374172925949},{"word":"any","start":2335.105,"end":2335.345,"confidence":0.9876639,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.008087102323770523},{"word":"additional","start":2335.345,"end":2335.845,"confidence":0.9891728,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.007295671850442886},{"word":"insurances","start":2335.985,"end":2336.25,"confidence":0.8290059,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":-0.007294946350157261},{"word":"insurances","start":2336.25,"end":2336.65,"confidence":0.7720711,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":-0.01591092348098755},{"word":"or","start":2336.65,"end":2336.98,"confidence":0.63159144,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04031217098236084},{"word":"are","start":2336.98,"end":2337.31,"confidence":0.52959883,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04859977960586548},{"word":"you","start":2337.31,"end":2337.64,"confidence":0.89234215,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03659529238939285},{"word":"still","start":2337.64,"end":2337.97,"confidence":0.8691317,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.057612285017967224},{"word":"happy","start":2337.97,"end":2338.3,"confidence":0.7224088,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":-0.023625794798135757},{"word":"with","start":2338.3,"end":2338.63,"confidence":0.81614584,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.014188893139362335},{"word":"that","start":2338.63,"end":2338.96,"confidence":0.8617924,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029933422803878784},{"word":"106,000","start":2338.96,"end":2340.09,"confidence":0.8507706,"punctuated_word":"106,000","sentiment":"neutral","sentiment_score":0.023933179676532745},{"word":"more","start":2340.09,"end":2340.41,"confidence":0.74867684,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0018838271498680117},{"word":"focused","start":2340.41,"end":2340.89,"confidence":0.83886945,"punctuated_word":"focused","sentiment":"neutral","sentiment_score":0.01122438907623291},{"word":"on","start":2340.89,"end":2340.97,"confidence":0.8690585,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.017078746110200882},{"word":"getting","start":2340.97,"end":2341.21,"confidence":0.77735335,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.02242445945739746},{"word":"super","start":2341.21,"end":2341.53,"confidence":0.5071342,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.0341474711894989},{"word":"balance","start":2341.53,"end":2341.93,"confidence":0.4841175,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.02594851702451706},{"word":"increased","start":2341.93,"end":2342.33,"confidence":0.7086934,"punctuated_word":"increased?","sentiment":"neutral","sentiment_score":0.03428374603390694},{"word":"what's","start":2342.33,"end":2342.57,"confidence":0.94600147,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.01069929450750351},{"word":"your","start":2342.57,"end":2342.81,"confidence":0.8523999,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.015172136947512628},{"word":"thoughts","start":2342.81,"end":2343.31,"confidence":0.7618388,"punctuated_word":"thoughts?","sentiment":"neutral","sentiment_score":0.00513014942407608},{"word":"still","start":2345.77,"end":2346.01,"confidence":0.7011723,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":0.05504278838634491},{"word":"happy","start":2346.01,"end":2346.33,"confidence":0.9302023,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.17420080304145813},{"word":"to","start":2346.33,"end":2346.41,"confidence":0.9349554,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16618549823760986},{"word":"keep","start":2346.41,"end":2346.57,"confidence":0.91632587,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.1989029496908188},{"word":"it","start":2346.57,"end":2346.602,"confidence":0.9748899,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.1729745864868164},{"word":"yep","start":2346.602,"end":2346.634,"confidence":0.881266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.205845445394516},{"word":"beautiful","start":2346.634,"end":2346.666,"confidence":0.99494696,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.570378303527832},{"word":"excellent","start":2346.666,"end":2346.698,"confidence":0.94522095,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5606734752655029},{"word":"that's","start":2346.698,"end":2346.73,"confidence":0.8952842,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4353570342063904},{"word":"okay","start":2346.73,"end":2347.23,"confidence":0.9781431,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.43925243616104126},{"word":"excellent","start":2347.45,"end":2347.95,"confidence":0.9294332,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4799287021160126},{"word":"that's","start":2349.2048,"end":2349.605,"confidence":0.99434006,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.32544073462486267},{"word":"okay","start":2349.605,"end":2350.105,"confidence":0.99938583,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.32245564460754395},{"word":"excellent","start":2351.845,"end":2352.345,"confidence":0.9946655,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5224659442901611},{"word":"and","start":2352.405,"end":2352.7249,"confidence":0.99880695,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3530053496360779},{"word":"we'll","start":2352.7249,"end":2353.2249,"confidence":0.99801606,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2815069556236267},{"word":"still","start":2353.285,"end":2353.605,"confidence":0.99968743,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.29449793696403503},{"word":"look","start":2353.605,"end":2353.845,"confidence":0.9994487,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.24300216138362885},{"word":"to","start":2353.845,"end":2353.925,"confidence":0.99975556,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20936717092990875},{"word":"retain","start":2353.925,"end":2354.2449,"confidence":0.998973,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.19674846529960632},{"word":"the","start":2354.2449,"end":2354.405,"confidence":0.9936249,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20635953545570376},{"word":"income","start":2354.405,"end":2354.7249,"confidence":0.997686,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.3097603917121887},{"word":"protection","start":2354.7249,"end":2355.2048,"confidence":0.99941325,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.22466982901096344},{"word":"policy","start":2355.2048,"end":2355.685,"confidence":0.9948863,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":0.24339981377124784},{"word":"that","start":2355.685,"end":2355.765,"confidence":0.9996637,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.7074533700942993},{"word":"was","start":2355.765,"end":2356.085,"confidence":0.99993706,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.7480882406234741},{"word":"actually","start":2356.085,"end":2356.405,"confidence":0.99421954,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.6471706628799438},{"word":"a","start":2356.405,"end":2356.565,"confidence":0.99963784,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7605410814285278},{"word":"really","start":2356.565,"end":2356.9648,"confidence":0.9998338,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7621552348136902},{"word":"fantastic","start":2356.9648,"end":2357.4648,"confidence":0.99982053,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.8085454702377319},{"word":"policy","start":2357.525,"end":2357.925,"confidence":0.99893785,"punctuated_word":"policy.","sentiment":"positive","sentiment_score":0.7190173864364624},{"word":"i","start":2357.925,"end":2358.085,"confidence":0.99991834,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6701880693435669},{"word":"really","start":2358.085,"end":2358.325,"confidence":0.9998067,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7155138850212097},{"word":"enjoyed","start":2358.325,"end":2358.825,"confidence":0.9990859,"punctuated_word":"enjoyed","sentiment":"positive","sentiment_score":0.7483432292938232},{"word":"researching","start":2358.885,"end":2359.385,"confidence":0.9988374,"punctuated_word":"researching","sentiment":"positive","sentiment_score":0.7678548097610474},{"word":"that","start":2359.4448,"end":2359.605,"confidence":0.99915457,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7365851402282715},{"word":"one","start":2359.605,"end":2360.105,"confidence":0.9995009,"punctuated_word":"one.","sentiment":"positive","sentiment_score":0.620876669883728},{"word":"that","start":2361.39,"end":2361.89,"confidence":0.97640425,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.3846043050289154},{"word":"policy","start":2362.51,"end":2362.8298,"confidence":0.89456975,"punctuated_word":"policy,","sentiment":"positive","sentiment_score":0.33659642934799194},{"word":"even","start":2362.8298,"end":2363.15,"confidence":0.8667013,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.1802823692560196},{"word":"when","start":2363.15,"end":2363.3098,"confidence":0.9998895,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2304934710264206},{"word":"you","start":2363.3098,"end":2363.47,"confidence":0.9998617,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26102402806282043},{"word":"drop","start":2363.47,"end":2363.71,"confidence":0.9953211,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.15194156765937805},{"word":"your","start":2363.71,"end":2363.8699,"confidence":0.9998202,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19628840684890747},{"word":"hours","start":2363.8699,"end":2364.27,"confidence":0.9966945,"punctuated_word":"hours,","sentiment":"neutral","sentiment_score":0.1927351355552673},{"word":"there","start":2364.27,"end":2364.43,"confidence":0.99845946,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20001861453056335},{"word":"should","start":2364.43,"end":2364.67,"confidence":0.9999056,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.23484820127487183},{"word":"be","start":2364.67,"end":2364.8298,"confidence":0.9995433,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1842844933271408},{"word":"no","start":2364.8298,"end":2365.0698,"confidence":0.9998814,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.09065143018960951},{"word":"change","start":2365.0698,"end":2365.39,"confidence":0.7880535,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":0.19836869835853577},{"word":"that","start":2365.39,"end":2365.5498,"confidence":0.9947726,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2490382343530655},{"word":"policy","start":2365.5498,"end":2365.95,"confidence":0.89086723,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.25130194425582886},{"word":"that","start":2365.95,"end":2366.1099,"confidence":0.99970835,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25706449151039124},{"word":"will","start":2366.1099,"end":2366.3499,"confidence":0.9992342,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2355349361896515},{"word":"still","start":2366.3499,"end":2366.67,"confidence":0.9983297,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.22204862534999847},{"word":"stay","start":2366.67,"end":2366.91,"confidence":0.9990414,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.2680555284023285},{"word":"in","start":2366.91,"end":2367.0698,"confidence":0.99972016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.30376216769218445},{"word":"place","start":2367.0698,"end":2367.47,"confidence":0.99978596,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.3126927614212036},{"word":"as","start":2367.47,"end":2367.63,"confidence":0.99941707,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.41269728541374207},{"word":"it","start":2367.63,"end":2367.7898,"confidence":0.9997888,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4235163927078247},{"word":"is","start":2367.7898,"end":2368.0298,"confidence":0.9997183,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.2861666679382324},{"word":"do","start":2368.0298,"end":2368.19,"confidence":0.9992079,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.02239975705742836},{"word":"you","start":2368.19,"end":2368.27,"confidence":0.99891734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03323955833911896},{"word":"know","start":2368.27,"end":2368.43,"confidence":0.99972934,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0267456267029047},{"word":"if","start":2368.43,"end":2368.5898,"confidence":0.9995782,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01787102036178112},{"word":"there's","start":2368.5898,"end":2368.8298,"confidence":0.99919087,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.013533110730350018},{"word":"any","start":2368.8298,"end":2369.0698,"confidence":0.9992022,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.014546357095241548},{"word":"changes","start":2369.0698,"end":2369.39,"confidence":0.99745816,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.008972030133008957},{"word":"that","start":2369.39,"end":2369.5498,"confidence":0.9998379,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007848691195249557},{"word":"would","start":2369.5498,"end":2369.7898,"confidence":0.99953115,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.01724252477288246},{"word":"be","start":2369.7898,"end":2369.95,"confidence":0.99980325,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.019557613879442215},{"word":"expected","start":2369.95,"end":2370.43,"confidence":0.9982508,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.013863388448953629},{"word":"with","start":2370.43,"end":2370.51,"confidence":0.63799894,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.016676228493452072},{"word":"that","start":2370.51,"end":2370.75,"confidence":0.9928189,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.058989573270082474},{"word":"income","start":2370.75,"end":2371.0698,"confidence":0.99772567,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.07827170193195343},{"word":"protection","start":2371.0698,"end":2371.5498,"confidence":0.99878794,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.054320838302373886},{"word":"policy","start":2371.5498,"end":2372.0498,"confidence":0.99662507,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.06425197422504425},{"word":"aside","start":2372.51,"end":2372.91,"confidence":0.9697306,"punctuated_word":"aside","sentiment":"neutral","sentiment_score":0.023968111723661423},{"word":"from","start":2372.91,"end":2373.39,"confidence":0.9998068,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.028750702738761905},{"word":"the","start":2373.39,"end":2373.5498,"confidence":0.9253322,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06511159241199493},{"word":"amount","start":2373.5498,"end":2373.8699,"confidence":0.9986903,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.05898201093077659},{"word":"they","start":2373.8699,"end":2374.0298,"confidence":0.9905233,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.05871941149234772},{"word":"would","start":2374.0298,"end":2374.19,"confidence":0.99983764,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.04570136219263077},{"word":"pay","start":2374.19,"end":2374.485,"confidence":0.9986197,"punctuated_word":"pay?","sentiment":"neutral","sentiment_score":-0.03144298493862152},{"word":"no","start":2374.645,"end":2374.885,"confidence":0.9875133,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0539773553609848},{"word":"that's","start":2374.885,"end":2375.385,"confidence":0.9997078,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03204129636287689},{"word":"okay","start":2377.0452,"end":2377.445,"confidence":0.9983522,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.052409589290618896},{"word":"should","start":2377.445,"end":2377.685,"confidence":0.46528152,"punctuated_word":"Should","sentiment":"neutral","sentiment_score":0.17537441849708557},{"word":"say","start":2377.685,"end":2378.0051,"confidence":0.46235996,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.26513954997062683},{"word":"beautiful","start":2378.0852,"end":2378.485,"confidence":0.9938079,"punctuated_word":"beautiful.","sentiment":"neutral","sentiment_score":0.3098281919956207},{"word":"i","start":2378.485,"end":2378.645,"confidence":0.9996061,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07989269495010376},{"word":"still","start":2378.645,"end":2378.885,"confidence":0.9993437,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06898774206638336},{"word":"have","start":2378.885,"end":2379.0452,"confidence":0.99931526,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08059351146221161},{"word":"the","start":2379.0452,"end":2379.205,"confidence":0.99925464,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058220479637384415},{"word":"pdf","start":2379.205,"end":2379.705,"confidence":0.94203436,"punctuated_word":"PDF","sentiment":"neutral","sentiment_score":0.056650035083293915},{"word":"documents","start":2379.7651,"end":2380.165,"confidence":0.6617063,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":0.03415417671203613},{"word":"though","start":2380.165,"end":2380.405,"confidence":0.88847667,"punctuated_word":"though.","sentiment":"neutral","sentiment_score":0.022778963670134544},{"word":"i'll","start":2380.405,"end":2380.5652,"confidence":0.99410594,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05223936960101128},{"word":"still","start":2380.5652,"end":2380.8052,"confidence":0.98521507,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.044814299792051315},{"word":"just","start":2380.8052,"end":2380.965,"confidence":0.9989048,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07329728454351425},{"word":"run","start":2380.965,"end":2381.125,"confidence":0.9991648,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.04593178257346153},{"word":"through","start":2381.125,"end":2381.445,"confidence":0.99939513,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05355839058756828},{"word":"just","start":2381.445,"end":2381.6052,"confidence":0.78665185,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05912787467241287},{"word":"to","start":2381.6052,"end":2381.685,"confidence":0.9988702,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02327076345682144},{"word":"make","start":2381.685,"end":2381.925,"confidence":0.9996816,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.017747916281223297},{"word":"sure","start":2381.925,"end":2382.425,"confidence":0.99961215,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0407947301864624},{"word":"that","start":2382.645,"end":2382.965,"confidence":0.7423479,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07816778123378754},{"word":"everything","start":2382.965,"end":2383.365,"confidence":0.99974746,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.08877932280302048},{"word":"is","start":2383.365,"end":2383.6052,"confidence":0.99960893,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05947323516011238},{"word":"still","start":2383.6052,"end":2383.8452,"confidence":0.9979767,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.04422619193792343},{"word":"okay","start":2383.8452,"end":2384.245,"confidence":0.999814,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.04293840378522873},{"word":"if","start":2384.245,"end":2384.405,"confidence":0.998013,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04120338335633278},{"word":"you","start":2384.405,"end":2384.645,"confidence":0.9996032,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030416339635849},{"word":"drop","start":2384.645,"end":2384.885,"confidence":0.9486876,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.014140184968709946},{"word":"your","start":2384.885,"end":2385.125,"confidence":0.96811354,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02200287953019142},{"word":"hours","start":2385.125,"end":2385.5251,"confidence":0.9997008,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.02181856334209442},{"word":"there","start":2385.5251,"end":2386.0251,"confidence":0.9992516,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.041295502334833145},{"word":"the","start":2387.0452,"end":2387.205,"confidence":0.9330786,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.018306927755475044},{"word":"other","start":2387.205,"end":2387.445,"confidence":0.99988437,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.03669438883662224},{"word":"thing","start":2387.445,"end":2387.685,"confidence":0.9998281,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.017659250646829605},{"word":"we","start":2387.685,"end":2388.165,"confidence":0.9980869,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.026124071329832077},{"word":"did","start":2388.165,"end":2388.405,"confidence":0.4924086,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.024791087955236435},{"word":"talk","start":2388.405,"end":2388.5652,"confidence":0.995652,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.027340518310666084},{"word":"about","start":2388.5652,"end":2388.8052,"confidence":0.9986411,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.03935249149799347},{"word":"initially","start":2388.8052,"end":2389.2852,"confidence":0.99284256,"punctuated_word":"initially","sentiment":"neutral","sentiment_score":-0.05510197579860687},{"word":"was","start":2389.2852,"end":2389.5251,"confidence":0.9975573,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05381481721997261},{"word":"trauma","start":2389.5251,"end":2390.0251,"confidence":0.9975618,"punctuated_word":"trauma.","sentiment":"neutral","sentiment_score":-0.04593865945935249},{"word":"so","start":2390.58,"end":2390.74,"confidence":0.96441966,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03925010189414024},{"word":"trauma","start":2390.74,"end":2391.24,"confidence":0.96286976,"punctuated_word":"trauma,","sentiment":"neutral","sentiment_score":-0.051843177527189255},{"word":"if","start":2391.62,"end":2391.78,"confidence":0.9995265,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04115719348192215},{"word":"you","start":2391.78,"end":2391.9402,"confidence":0.99996674,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.039122920483350754},{"word":"decide","start":2391.9402,"end":2392.34,"confidence":0.9988412,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":-0.04287686198949814},{"word":"to","start":2392.34,"end":2392.5,"confidence":0.9986303,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03080964833498001},{"word":"take","start":2392.5,"end":2392.6602,"confidence":0.99962795,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.04034582898020744},{"word":"on","start":2392.6602,"end":2392.98,"confidence":0.99908245,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.046872351318597794},{"word":"trauma","start":2392.98,"end":2393.48,"confidence":0.97993064,"punctuated_word":"trauma,","sentiment":"neutral","sentiment_score":-0.041731610894203186},{"word":"isn't","start":2393.62,"end":2393.86,"confidence":0.88628966,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.0252382829785347},{"word":"more","start":2393.86,"end":2394.02,"confidence":0.9966774,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.061841871589422226},{"word":"of","start":2394.02,"end":2394.1802,"confidence":0.99550277,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07564786076545715},{"word":"an","start":2394.1802,"end":2394.26,"confidence":0.9932093,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.06657084822654724},{"word":"out","start":2394.26,"end":2394.4202,"confidence":0.998589,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.08345691859722137},{"word":"of","start":2394.4202,"end":2394.58,"confidence":0.99646914,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1389836072921753},{"word":"pocket","start":2394.58,"end":2394.9001,"confidence":0.9995142,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":-0.13292822241783142},{"word":"expense","start":2394.9001,"end":2395.4001,"confidence":0.87681973,"punctuated_word":"expense.","sentiment":"neutral","sentiment_score":-0.05161680281162262},{"word":"unlike","start":2396.1,"end":2396.26,"confidence":0.997575,"punctuated_word":"Unlike","sentiment":"neutral","sentiment_score":-0.04016420990228653},{"word":"life","start":2396.26,"end":2396.58,"confidence":0.6773686,"punctuated_word":"life,","sentiment":"neutral","sentiment_score":-0.03296314924955368},{"word":"ppd","start":2396.58,"end":2397.08,"confidence":0.71535057,"punctuated_word":"PPD,","sentiment":"neutral","sentiment_score":-0.02490922808647156},{"word":"income","start":2397.2202,"end":2397.54,"confidence":0.98307633,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.044551074504852295},{"word":"protection","start":2397.54,"end":2398.02,"confidence":0.9886718,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":-0.014444226399064064},{"word":"you","start":2398.02,"end":2398.26,"confidence":0.99887055,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007686391472816467},{"word":"can't","start":2398.26,"end":2398.5,"confidence":0.99905306,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.03220721706748009},{"word":"hold","start":2398.5,"end":2398.74,"confidence":0.99941003,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.07715396583080292},{"word":"trauma","start":2398.74,"end":2399.24,"confidence":0.99947935,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.0984928533434868},{"word":"inside","start":2399.3,"end":2399.78,"confidence":0.9991209,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":-0.06182106584310531},{"word":"super","start":2399.78,"end":2400.28,"confidence":0.8734339,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.030864445492625237},{"word":"trauma","start":2400.98,"end":2401.3801,"confidence":0.9975672,"punctuated_word":"Trauma","sentiment":"neutral","sentiment_score":-0.045757170766592026},{"word":"tends","start":2401.3801,"end":2401.78,"confidence":0.9996538,"punctuated_word":"tends","sentiment":"neutral","sentiment_score":-0.017651353031396866},{"word":"to","start":2401.78,"end":2401.86,"confidence":0.99856466,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01603904366493225},{"word":"pay","start":2401.86,"end":2402.02,"confidence":0.93230957,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.03325243294239044},{"word":"out","start":2402.02,"end":2402.1802,"confidence":0.98938876,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0064553432166576385},{"word":"a","start":2402.1802,"end":2402.26,"confidence":0.99697363,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.009123625233769417},{"word":"lump","start":2402.26,"end":2402.505,"confidence":0.9994708,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":-0.0046747103333473206},{"word":"sum","start":2402.585,"end":2402.9048,"confidence":0.931747,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.02815929055213928},{"word":"tax","start":2402.9048,"end":2403.1448,"confidence":0.9851118,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.06702049821615219},{"word":"free","start":2403.1448,"end":2403.4648,"confidence":0.9871247,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.02368072420358658},{"word":"benefit","start":2403.4648,"end":2403.865,"confidence":0.9843052,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.027654550969600677},{"word":"in","start":2403.865,"end":2404.025,"confidence":0.6831188,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.024852976202964783},{"word":"the","start":2404.025,"end":2404.1848,"confidence":0.9998765,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019009269773960114},{"word":"event","start":2404.1848,"end":2404.4248,"confidence":0.998804,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.000015228986740112305},{"word":"that","start":2404.4248,"end":2404.585,"confidence":0.9995505,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02375463768839836},{"word":"you'll","start":2404.585,"end":2404.825,"confidence":0.95581496,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.01640225574374199},{"word":"stay","start":2404.825,"end":2405.065,"confidence":0.79595697,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":-0.0008110217750072479},{"word":"diagnosed","start":2405.065,"end":2405.565,"confidence":0.99269205,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":-0.04526495561003685},{"word":"with","start":2405.7048,"end":2406.025,"confidence":0.95451117,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":-0.028725016862154007},{"word":"say","start":2406.025,"end":2406.345,"confidence":0.9896834,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.03654038906097412},{"word":"parkinson's","start":2406.345,"end":2406.845,"confidence":0.9944296,"punctuated_word":"Parkinson's,","sentiment":"neutral","sentiment_score":-0.029973944649100304},{"word":"ms","start":2407.1448,"end":2407.545,"confidence":0.96349525,"punctuated_word":"MS,","sentiment":"neutral","sentiment_score":-0.03264634683728218},{"word":"or","start":2407.545,"end":2407.865,"confidence":0.9953204,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03979228809475899},{"word":"neurological","start":2407.865,"end":2408.365,"confidence":0.99488336,"punctuated_word":"neurological","sentiment":"neutral","sentiment_score":-0.03382306173443794},{"word":"conditions","start":2408.6648,"end":2409.1648,"confidence":0.95594954,"punctuated_word":"conditions.","sentiment":"neutral","sentiment_score":-0.04145238548517227},{"word":"cancer's","start":2409.785,"end":2410.285,"confidence":0.8302679,"punctuated_word":"Cancer's","sentiment":"neutral","sentiment_score":-0.06564739346504211},{"word":"a","start":2410.345,"end":2410.505,"confidence":0.99089897,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.059935927391052246},{"word":"big","start":2410.505,"end":2410.7449,"confidence":0.99985266,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.0538429282605648},{"word":"one","start":2410.7449,"end":2411.2249,"confidence":0.96472585,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.06760460138320923},{"word":"also","start":2411.2249,"end":2411.625,"confidence":0.9742033,"punctuated_word":"Also,","sentiment":"neutral","sentiment_score":-0.025256304070353508},{"word":"heart","start":2411.625,"end":2411.785,"confidence":0.9995183,"punctuated_word":"heart","sentiment":"neutral","sentiment_score":-0.06921745836734772},{"word":"attacks","start":2411.785,"end":2412.1848,"confidence":0.9776315,"punctuated_word":"attacks","sentiment":"neutral","sentiment_score":-0.0679273009300232},{"word":"and","start":2412.1848,"end":2412.345,"confidence":0.9953284,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05323614925146103},{"word":"strokes","start":2412.345,"end":2412.825,"confidence":0.9922609,"punctuated_word":"strokes","sentiment":"neutral","sentiment_score":-0.05636610835790634},{"word":"tend","start":2412.825,"end":2413.065,"confidence":0.9971457,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.01818269863724709},{"word":"to","start":2413.065,"end":2413.1448,"confidence":0.9984144,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.021055180579423904},{"word":"pay","start":2413.1448,"end":2413.3848,"confidence":0.90145755,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.03048958256840706},{"word":"out","start":2413.3848,"end":2413.625,"confidence":0.99853075,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.024020694196224213},{"word":"as","start":2413.625,"end":2413.7048,"confidence":0.99986863,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.020888932049274445},{"word":"well","start":2413.7048,"end":2414.2048,"confidence":0.99988425,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.02162875793874264},{"word":"did","start":2414.825,"end":2415.065,"confidence":0.96761495,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.018916893750429153},{"word":"you","start":2415.065,"end":2415.2249,"confidence":0.99972767,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007239323109388352},{"word":"wanna","start":2415.2249,"end":2415.545,"confidence":0.9938019,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.003771865740418434},{"word":"look","start":2415.545,"end":2415.7048,"confidence":0.99967027,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.025376994162797928},{"word":"at","start":2415.7048,"end":2415.865,"confidence":0.9996927,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03781714290380478},{"word":"getting","start":2415.865,"end":2416.1848,"confidence":0.9997187,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.012882523238658903},{"word":"a","start":2416.1848,"end":2416.345,"confidence":0.99946445,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0049208905547857285},{"word":"level","start":2416.345,"end":2416.585,"confidence":0.99994206,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.01724037528038025},{"word":"of","start":2416.585,"end":2416.7449,"confidence":0.99967456,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005735665559768677},{"word":"trauma","start":2416.7449,"end":2417.1448,"confidence":0.9998714,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.033285290002822876},{"word":"to","start":2417.1448,"end":2417.3848,"confidence":0.9923381,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0036059245467185974},{"word":"cover","start":2417.3848,"end":2417.625,"confidence":0.9999329,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.00978715717792511},{"word":"you","start":2417.625,"end":2417.865,"confidence":0.9995877,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00796569138765335},{"word":"in","start":2417.865,"end":2418.025,"confidence":0.99968743,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.008700978010892868},{"word":"the","start":2418.025,"end":2418.1848,"confidence":0.9989561,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00645771250128746},{"word":"event","start":2418.1848,"end":2418.48,"confidence":0.99514955,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.007075183093547821},{"word":"of","start":2418.56,"end":2418.72,"confidence":0.99983954,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.014051392674446106},{"word":"something","start":2418.72,"end":2419.1199,"confidence":0.99966216,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.007068857550621033},{"word":"major","start":2419.1199,"end":2419.6199,"confidence":0.9996371,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.034286048263311386},{"word":"occurring","start":2419.76,"end":2420.26,"confidence":0.91462547,"punctuated_word":"occurring,","sentiment":"neutral","sentiment_score":-0.017986299470067024},{"word":"or","start":2420.32,"end":2420.48,"confidence":0.99923563,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.00467170774936676},{"word":"are","start":2420.48,"end":2420.64,"confidence":0.96242756,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0015374012291431427},{"word":"you","start":2420.64,"end":2420.8,"confidence":0.99968755,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01649799942970276},{"word":"happy","start":2420.8,"end":2421.1199,"confidence":0.9997217,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.023184772580862045},{"word":"just","start":2421.1199,"end":2421.3599,"confidence":0.99706084,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05589306354522705},{"word":"to","start":2421.3599,"end":2421.52,"confidence":0.999271,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04497925937175751},{"word":"keep","start":2421.52,"end":2421.76,"confidence":0.99828476,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.062369514256715775},{"word":"the","start":2421.76,"end":2421.92,"confidence":0.99957436,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03575228154659271},{"word":"covers","start":2421.92,"end":2422.32,"confidence":0.96144253,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.032263658940792084},{"word":"you","start":2422.32,"end":2422.56,"confidence":0.9936429,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0780717134475708},{"word":"have","start":2422.56,"end":2422.8,"confidence":0.99984956,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05583324655890465},{"word":"not","start":2422.8,"end":2423.04,"confidence":0.44972506,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.014461927115917206},{"word":"worry","start":2423.04,"end":2423.28,"confidence":0.6551492,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":-0.021108344197273254},{"word":"about","start":2423.28,"end":2423.52,"confidence":0.95913935,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.025471962988376617},{"word":"trauma","start":2423.52,"end":2423.92,"confidence":0.9960296,"punctuated_word":"trauma?","sentiment":"neutral","sentiment_score":-0.030051736161112785},{"word":"how","start":2423.92,"end":2424.08,"confidence":0.99964094,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.02039351500570774},{"word":"do","start":2424.08,"end":2424.2002,"confidence":0.99970454,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02681601233780384},{"word":"you","start":2424.2002,"end":2424.32,"confidence":0.99828786,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02372393012046814},{"word":"feel","start":2424.32,"end":2424.56,"confidence":0.9990928,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.02279665879905224},{"word":"there","start":2424.56,"end":2424.8,"confidence":0.99564564,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.011456062085926533},{"word":"lisa","start":2424.8,"end":2425.3,"confidence":0.9954572,"punctuated_word":"Lisa?","sentiment":"neutral","sentiment_score":-0.01016851421445608},{"word":"you","start":2429.3599,"end":2429.8599,"confidence":0.9215963,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.04725601151585579},{"word":"don't","start":2430.08,"end":2430.495,"confidence":0.9230358,"punctuated_word":"don't.","sentiment":"neutral","sentiment_score":-0.03900672867894173},{"word":"i'll","start":2432.415,"end":2432.655,"confidence":0.9905975,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.02177893184125423},{"word":"pull","start":2432.655,"end":2432.975,"confidence":0.9981433,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":-0.0227112527936697},{"word":"up","start":2432.975,"end":2433.215,"confidence":0.99685967,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.012250564992427826},{"word":"yours","start":2433.215,"end":2433.715,"confidence":0.9748886,"punctuated_word":"yours.","sentiment":"neutral","sentiment_score":-0.0158742293715477},{"word":"sorry","start":2433.935,"end":2434.3352,"confidence":0.9954284,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.048383679240942},{"word":"two","start":2434.3352,"end":2434.495,"confidence":0.9899395,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":-0.03883808478713035},{"word":"seconds","start":2434.495,"end":2434.8152,"confidence":0.99452925,"punctuated_word":"seconds.","sentiment":"neutral","sentiment_score":-0.03081793151795864},{"word":"i'll","start":2434.8152,"end":2434.975,"confidence":0.9678889,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.01860976032912731},{"word":"just","start":2434.975,"end":2435.2952,"confidence":0.99971145,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.00980476662516594},{"word":"pull","start":2435.2952,"end":2435.455,"confidence":0.9964489,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":-0.010046504437923431},{"word":"it","start":2435.455,"end":2435.6152,"confidence":0.87173516,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.011974211782217026},{"word":"up","start":2435.6152,"end":2435.8552,"confidence":0.9985623,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.008045917376875877},{"word":"i","start":2435.8552,"end":2436.0151,"confidence":0.9998055,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.013605635613203049},{"word":"do","start":2436.0151,"end":2436.2551,"confidence":0.99982613,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05520692467689514},{"word":"have","start":2436.2551,"end":2436.495,"confidence":0.9997733,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02699889987707138},{"word":"your","start":2436.495,"end":2436.995,"confidence":0.99945515,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.009630221873521805},{"word":"policy","start":2437.2952,"end":2437.6152,"confidence":0.994375,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.003536384552717209},{"word":"here","start":2437.6152,"end":2437.7751,"confidence":0.99519783,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.017081059515476227},{"word":"i'm","start":2437.7751,"end":2437.935,"confidence":0.9997594,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03010006621479988},{"word":"pretty","start":2437.935,"end":2438.0952,"confidence":0.99971074,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.05794053897261619},{"word":"sure","start":2438.0952,"end":2438.3352,"confidence":0.9998783,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.0670681968331337},{"word":"you","start":2438.3352,"end":2438.415,"confidence":0.99986637,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07507839798927307},{"word":"don't","start":2438.415,"end":2438.655,"confidence":0.9985578,"punctuated_word":"don't.","sentiment":"neutral","sentiment_score":-0.050954196602106094},{"word":"i'm","start":2438.655,"end":2438.8152,"confidence":0.99954927,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.001750228344462812},{"word":"pretty","start":2438.8152,"end":2438.975,"confidence":0.99972194,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.010520976036787031},{"word":"sure","start":2438.975,"end":2439.215,"confidence":0.999471,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.00016605481505393982},{"word":"you","start":2439.215,"end":2439.375,"confidence":0.9996691,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0036115646362304688},{"word":"just","start":2439.375,"end":2439.5352,"confidence":0.9989324,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.012434644624590874},{"word":"have","start":2439.5352,"end":2439.695,"confidence":0.9829138,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.003940941765904427},{"word":"the","start":2439.695,"end":2439.8552,"confidence":0.99925727,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0011562444269657135},{"word":"license","start":2439.8552,"end":2440.2551,"confidence":0.6409071,"punctuated_word":"license","sentiment":"neutral","sentiment_score":0.0009821802377700806},{"word":"epd","start":2440.2551,"end":2440.735,"confidence":0.7245743,"punctuated_word":"EPD","sentiment":"neutral","sentiment_score":0.00203743577003479},{"word":"and","start":2440.735,"end":2440.8152,"confidence":0.9866969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.005222931504249573},{"word":"some","start":2440.8152,"end":2441.0552,"confidence":0.997649,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.009438429027795792},{"word":"income","start":2441.0552,"end":2441.455,"confidence":0.99871504,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.01716635748744011},{"word":"protection","start":2441.455,"end":2441.955,"confidence":0.9761596,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.00035374052822589874},{"word":"scott","start":2443.695,"end":2444.0151,"confidence":0.80405277,"punctuated_word":"Scott","sentiment":"neutral","sentiment_score":-0.0262928269803524},{"word":"yes","start":2446.29,"end":2446.61,"confidence":0.88342094,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04212126135826111},{"word":"it's","start":2446.61,"end":2446.85,"confidence":0.94744253,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03816179186105728},{"word":"got","start":2446.85,"end":2447.1702,"confidence":0.99771106,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04424379765987396},{"word":"yours","start":2447.1702,"end":2447.49,"confidence":0.5101883,"punctuated_word":"yours.","sentiment":"neutral","sentiment_score":-0.011319315992295742},{"word":"it's","start":2447.49,"end":2447.73,"confidence":0.9848039,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03955976292490959},{"word":"with","start":2447.73,"end":2447.97,"confidence":0.98385,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03527412191033363},{"word":"zurich","start":2447.97,"end":2448.37,"confidence":0.94410497,"punctuated_word":"Zurich,","sentiment":"neutral","sentiment_score":0.04548460245132446},{"word":"and","start":2448.37,"end":2448.61,"confidence":0.9998442,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.036391112953424454},{"word":"you've","start":2448.61,"end":2448.85,"confidence":0.99980605,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04402222856879234},{"word":"got","start":2448.85,"end":2449.09,"confidence":0.9997764,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05496992915868759},{"word":"300","start":2449.09,"end":2449.57,"confidence":0.99921036,"punctuated_word":"300","sentiment":"neutral","sentiment_score":0.03915063664317131},{"word":"and","start":2449.57,"end":2449.69,"confidence":0.7730441,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02939937636256218},{"word":"sorry","start":2449.81,"end":2450.1301,"confidence":0.8231911,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.02561754360795021},{"word":"525,000","start":2450.1301,"end":2451.73,"confidence":0.9979227,"punctuated_word":"525,000","sentiment":"neutral","sentiment_score":0.04249665513634682},{"word":"of","start":2451.73,"end":2451.8901,"confidence":0.9972398,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03841657564043999},{"word":"life","start":2451.8901,"end":2452.21,"confidence":0.9748378,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.053596846759319305},{"word":"and","start":2452.21,"end":2452.45,"confidence":0.9904406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04584183916449547},{"word":"tbd","start":2452.45,"end":2452.95,"confidence":0.7436475,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":0.05008018761873245},{"word":"and","start":2453.49,"end":2453.6501,"confidence":0.9996263,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04004639387130737},{"word":"then","start":2453.6501,"end":2453.81,"confidence":0.9998827,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06049925088882446},{"word":"you've","start":2453.81,"end":2454.05,"confidence":0.9982606,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.06826694309711456},{"word":"got","start":2454.05,"end":2454.29,"confidence":0.9998404,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05937226489186287},{"word":"income","start":2454.29,"end":2454.69,"confidence":0.9950281,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06771673262119293},{"word":"protection","start":2454.69,"end":2455.19,"confidence":0.9995908,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.028751425445079803},{"word":"as","start":2455.25,"end":2455.49,"confidence":0.999925,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07219873368740082},{"word":"well","start":2455.49,"end":2455.99,"confidence":0.99979424,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.06238148361444473},{"word":"yeah","start":2459.33,"end":2459.83,"confidence":0.7398977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05190689116716385},{"word":"yeah","start":2460.21,"end":2460.675,"confidence":0.99090064,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0538487508893013},{"word":"no","start":2463.315,"end":2463.635,"confidence":0.84722877,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16435256600379944},{"word":"that's","start":2463.635,"end":2463.875,"confidence":0.99808353,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.004162798635661602},{"word":"okay","start":2463.875,"end":2464.355,"confidence":0.9990066,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1132604479789734},{"word":"all","start":2464.355,"end":2464.595,"confidence":0.5404333,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.3366253972053528},{"word":"good","start":2464.595,"end":2464.915,"confidence":0.99438035,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.3178950548171997},{"word":"happy","start":2464.915,"end":2465.235,"confidence":0.99572396,"punctuated_word":"Happy","sentiment":"neutral","sentiment_score":0.2243080735206604},{"word":"with","start":2465.235,"end":2465.475,"confidence":0.97178316,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2151850461959839},{"word":"not","start":2465.475,"end":2465.555,"confidence":0.9940779,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2837010622024536},{"word":"having","start":2465.555,"end":2465.875,"confidence":0.9992151,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.3494107723236084},{"word":"it","start":2465.875,"end":2466.0352,"confidence":0.6811524,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.400684118270874},{"word":"scott","start":2466.0352,"end":2466.355,"confidence":0.97811943,"punctuated_word":"Scott.","sentiment":"positive","sentiment_score":0.4132916331291199},{"word":"easy","start":2466.355,"end":2466.855,"confidence":0.9961816,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.19847339391708377},{"word":"income","start":2467.555,"end":2468.0352,"confidence":0.5385679,"punctuated_word":"Income","sentiment":"neutral","sentiment_score":0.05078636482357979},{"word":"wise","start":2468.0352,"end":2468.435,"confidence":0.99342877,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.06560902297496796},{"word":"your","start":2468.435,"end":2468.595,"confidence":0.9992181,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05118131265044212},{"word":"income","start":2468.595,"end":2468.915,"confidence":0.99971753,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.005728431046009064},{"word":"protection","start":2468.915,"end":2469.395,"confidence":0.99434376,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.017301466315984726},{"word":"was","start":2469.395,"end":2469.635,"confidence":0.99975485,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.022348716855049133},{"word":"based","start":2469.635,"end":2469.955,"confidence":0.9998554,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.03068820759654045},{"word":"on","start":2469.955,"end":2470.355,"confidence":0.9291146,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.04000283032655716},{"word":"obviously","start":2470.355,"end":2470.835,"confidence":0.99944973,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.03446560725569725},{"word":"your","start":2470.835,"end":2471.075,"confidence":0.99976677,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03416576236486435},{"word":"last","start":2471.075,"end":2471.575,"confidence":0.84190756,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.020286114886403084},{"word":"income","start":2472.835,"end":2473.315,"confidence":0.98997414,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.014943039044737816},{"word":"you've","start":2473.315,"end":2473.555,"confidence":0.9987775,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":-0.03703825920820236},{"word":"dropped","start":2473.555,"end":2473.89,"confidence":0.99778926,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.033317163586616516},{"word":"your","start":2474.0498,"end":2474.13,"confidence":0.9668395,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07422015815973282},{"word":"hours","start":2474.13,"end":2474.3699,"confidence":0.99731714,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.10554169863462448},{"word":"pretty","start":2474.3699,"end":2474.7698,"confidence":0.9993119,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.05552323907613754},{"word":"significantly","start":2474.7698,"end":2475.2698,"confidence":0.99973124,"punctuated_word":"significantly","sentiment":"neutral","sentiment_score":-0.07624407112598419},{"word":"there","start":2475.41,"end":2475.73,"confidence":0.9974847,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.06074557080864906},{"word":"did","start":2475.73,"end":2475.89,"confidence":0.99907,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.053496163338422775},{"word":"you","start":2475.89,"end":2476.0498,"confidence":0.9998572,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01651035249233246},{"word":"want","start":2476.0498,"end":2476.2898,"confidence":0.99985886,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.017702613025903702},{"word":"me","start":2476.2898,"end":2476.45,"confidence":0.99973685,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0033249706029891968},{"word":"to","start":2476.45,"end":2476.6099,"confidence":0.99931264,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01870785653591156},{"word":"review","start":2476.6099,"end":2476.93,"confidence":0.998216,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.03853636607527733},{"word":"the","start":2476.93,"end":2477.0898,"confidence":0.99910295,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04109135642647743},{"word":"level","start":2477.0898,"end":2477.3298,"confidence":0.9999356,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.06498914211988449},{"word":"of","start":2477.3298,"end":2477.49,"confidence":0.99955565,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.037764307111501694},{"word":"income","start":2477.49,"end":2477.8098,"confidence":0.99866354,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.07860065251588821},{"word":"protection","start":2477.8098,"end":2478.2898,"confidence":0.99683785,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.0339059941470623},{"word":"and","start":2478.2898,"end":2478.45,"confidence":0.92653954,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03384299948811531},{"word":"maybe","start":2478.45,"end":2478.7698,"confidence":0.9993925,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.03237741440534592},{"word":"look","start":2478.7698,"end":2479.01,"confidence":0.9283115,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03380279988050461},{"word":"to","start":2479.01,"end":2479.17,"confidence":0.9985055,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04227878153324127},{"word":"reduce","start":2479.17,"end":2479.5698,"confidence":0.9996327,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.05027242377400398},{"word":"that","start":2479.5698,"end":2479.8098,"confidence":0.99933225,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06354981660842896},{"word":"back","start":2479.8098,"end":2480.21,"confidence":0.99901545,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.055995069444179535},{"word":"if","start":2480.21,"end":2480.3699,"confidence":0.9960601,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04472343996167183},{"word":"it's","start":2480.3699,"end":2480.6099,"confidence":0.8764901,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.043945297598838806},{"word":"if","start":2480.7698,"end":2481.01,"confidence":0.9989717,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04584234580397606},{"word":"if","start":2481.01,"end":2481.25,"confidence":0.9891874,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04974934086203575},{"word":"you're","start":2481.25,"end":2481.49,"confidence":0.998209,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.051969610154628754},{"word":"a","start":2481.49,"end":2481.5698,"confidence":0.99475515,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06675785779953003},{"word":"bit","start":2481.5698,"end":2481.8098,"confidence":0.9997156,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.081891730427742},{"word":"over","start":2481.8098,"end":2482.0498,"confidence":0.99390006,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.01662285625934601},{"word":"insured","start":2482.0498,"end":2482.5298,"confidence":0.6186909,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.03122769668698311},{"word":"at","start":2482.5298,"end":2482.69,"confidence":0.99962616,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06641839444637299},{"word":"the","start":2482.69,"end":2482.7698,"confidence":0.9996288,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0453609973192215},{"word":"moment","start":2482.7698,"end":2483.2698,"confidence":0.9969002,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.008268516510725021},{"word":"yep","start":2484.45,"end":2484.95,"confidence":0.86475396,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4351634681224823},{"word":"yeah","start":2486.0498,"end":2486.3699,"confidence":0.9984225,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.26603835821151733},{"word":"absolutely","start":2486.3699,"end":2486.8699,"confidence":0.99881643,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.37241190671920776},{"word":"i","start":2487.25,"end":2487.3298,"confidence":0.9978719,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29024893045425415},{"word":"mean","start":2487.3298,"end":2487.49,"confidence":0.99773383,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.31676727533340454},{"word":"with","start":2487.49,"end":2487.73,"confidence":0.9997619,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.37531137466430664},{"word":"your","start":2487.73,"end":2487.89,"confidence":0.99923086,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3651958703994751},{"word":"life","start":2487.89,"end":2488.13,"confidence":0.55140346,"punctuated_word":"life,","sentiment":"positive","sentiment_score":0.33866021037101746},{"word":"tpd","start":2488.13,"end":2488.5298,"confidence":0.7046297,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.2962642312049866},{"word":"and","start":2488.5298,"end":2488.69,"confidence":0.9891354,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24973972141742704},{"word":"income","start":2488.69,"end":2489.025,"confidence":0.99149394,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.2659638822078705},{"word":"protection","start":2489.1848,"end":2489.505,"confidence":0.9895804,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.22861316800117493},{"word":"they're","start":2489.505,"end":2489.585,"confidence":0.99956924,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.27829527854919434},{"word":"all","start":2489.585,"end":2489.825,"confidence":0.9998141,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.32236286997795105},{"word":"paid","start":2489.825,"end":2490.145,"confidence":0.9998178,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.3077440857887268},{"word":"out","start":2490.145,"end":2490.305,"confidence":0.9598331,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3833853602409363},{"word":"of","start":2490.305,"end":2490.545,"confidence":0.98869866,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3922247290611267},{"word":"super","start":2490.545,"end":2491.045,"confidence":0.9707949,"punctuated_word":"super,","sentiment":"positive","sentiment_score":0.4072307348251343},{"word":"which","start":2491.585,"end":2491.825,"confidence":0.6109208,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.37049055099487305},{"word":"is","start":2491.825,"end":2491.9849,"confidence":0.9998628,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.35170191526412964},{"word":"a","start":2491.9849,"end":2492.145,"confidence":0.99889106,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4512760639190674},{"word":"benefit","start":2492.145,"end":2492.645,"confidence":0.99986935,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.3985760509967804},{"word":"because","start":2492.7048,"end":2493.025,"confidence":0.93171746,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.3281307816505432},{"word":"it","start":2493.025,"end":2493.105,"confidence":0.9894894,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3920472264289856},{"word":"means","start":2493.105,"end":2493.265,"confidence":0.9999409,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.32574740052223206},{"word":"that","start":2493.265,"end":2493.4248,"confidence":0.99736696,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3424176275730133},{"word":"you","start":2493.4248,"end":2493.585,"confidence":0.9627187,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3596079647541046},{"word":"don't","start":2493.585,"end":2493.825,"confidence":0.94715065,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.3025223910808563},{"word":"have","start":2493.825,"end":2493.9849,"confidence":0.99831957,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3079380393028259},{"word":"to","start":2493.9849,"end":2494.065,"confidence":0.99777514,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2800040543079376},{"word":"pay","start":2494.065,"end":2494.2249,"confidence":0.9996923,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.14297959208488464},{"word":"those","start":2494.2249,"end":2494.4648,"confidence":0.9983639,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.3161548972129822},{"word":"premiums","start":2494.4648,"end":2494.9448,"confidence":0.9992829,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.24255868792533877},{"word":"out","start":2494.9448,"end":2495.105,"confidence":0.9993837,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.28165164589881897},{"word":"of","start":2495.105,"end":2495.1848,"confidence":0.9986565,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3349340260028839},{"word":"your","start":2495.1848,"end":2495.345,"confidence":0.99956375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.30305662751197815},{"word":"back","start":2495.345,"end":2495.6648,"confidence":0.9991737,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3174389898777008},{"word":"pocket","start":2495.6648,"end":2496.1648,"confidence":0.9972122,"punctuated_word":"pocket.","sentiment":"neutral","sentiment_score":0.2365810424089432},{"word":"however","start":2496.4648,"end":2496.9648,"confidence":0.99270177,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.20679953694343567},{"word":"because","start":2497.105,"end":2497.345,"confidence":0.9997601,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2161240130662918},{"word":"they","start":2497.345,"end":2497.585,"confidence":0.9995665,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2782001495361328},{"word":"are","start":2497.585,"end":2497.7449,"confidence":0.9978242,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2621886730194092},{"word":"paid","start":2497.7449,"end":2498.065,"confidence":0.9996934,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.23777560889720917},{"word":"out","start":2498.065,"end":2498.2249,"confidence":0.98953795,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2971038818359375},{"word":"of","start":2498.2249,"end":2498.4648,"confidence":0.989495,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2586950659751892},{"word":"super","start":2498.4648,"end":2498.9648,"confidence":0.99892247,"punctuated_word":"super,","sentiment":"positive","sentiment_score":0.348044216632843},{"word":"it","start":2499.265,"end":2499.505,"confidence":0.99874324,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.32745161652565},{"word":"does","start":2499.505,"end":2499.7449,"confidence":0.9989761,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.3284968137741089},{"word":"mean","start":2499.7449,"end":2500.065,"confidence":0.999514,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.2790668308734894},{"word":"that","start":2500.065,"end":2500.2249,"confidence":0.9997274,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32055652141571045},{"word":"it","start":2500.2249,"end":2500.305,"confidence":0.99949574,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.32091864943504333},{"word":"does","start":2500.305,"end":2500.545,"confidence":0.99958223,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2930404245853424},{"word":"have","start":2500.545,"end":2500.785,"confidence":0.9991316,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.28084796667099},{"word":"an","start":2500.785,"end":2500.9448,"confidence":0.99903154,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.27882760763168335},{"word":"effect","start":2500.9448,"end":2501.345,"confidence":0.75660634,"punctuated_word":"effect.","sentiment":"neutral","sentiment_score":0.23868614435195923},{"word":"that","start":2501.345,"end":2501.505,"confidence":0.9985172,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.20106226205825808},{"word":"does","start":2501.505,"end":2501.7449,"confidence":0.9985917,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.20367276668548584},{"word":"lower","start":2501.7449,"end":2502.065,"confidence":0.9987877,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.1878758668899536},{"word":"the","start":2502.065,"end":2502.2249,"confidence":0.9946845,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1480696201324463},{"word":"amount","start":2502.2249,"end":2502.545,"confidence":0.9870875,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.12931238114833832},{"word":"of","start":2502.545,"end":2503.025,"confidence":0.9907895,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14564326405525208},{"word":"super","start":2503.025,"end":2503.4248,"confidence":0.7253502,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.14954373240470886},{"word":"we'd","start":2503.4248,"end":2503.6648,"confidence":0.9827719,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.0908919796347618},{"word":"expect","start":2503.6648,"end":2503.9849,"confidence":0.99379647,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.05021096020936966},{"word":"you","start":2503.9849,"end":2504.145,"confidence":0.9644528,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013420656323432922},{"word":"to","start":2504.145,"end":2504.2249,"confidence":0.99150616,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01028478890657425},{"word":"end","start":2504.2249,"end":2504.385,"confidence":0.9854591,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.028519846498966217},{"word":"up","start":2504.385,"end":2504.545,"confidence":0.9796179,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.05273144692182541},{"word":"in","start":2504.545,"end":2505.0,"confidence":0.82183886,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06234303116798401},{"word":"retirement","start":2505.16,"end":2505.66,"confidence":0.80677485,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":-0.06132210791110992},{"word":"and","start":2505.96,"end":2506.28,"confidence":0.6995222,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07569126784801483},{"word":"all","start":2506.28,"end":2506.6,"confidence":0.9954893,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.08295904844999313},{"word":"insurance","start":2506.6,"end":2507.1,"confidence":0.99900764,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.13127480447292328},{"word":"premiums","start":2507.16,"end":2507.66,"confidence":0.99911827,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":-0.11276006698608398},{"word":"tend","start":2507.72,"end":2507.96,"confidence":0.99973637,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.07556602358818054},{"word":"to","start":2507.96,"end":2508.04,"confidence":0.99941885,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09981068223714828},{"word":"get","start":2508.04,"end":2508.28,"confidence":0.9998745,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1362445056438446},{"word":"more","start":2508.28,"end":2508.52,"confidence":0.99965656,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.16633424162864685},{"word":"expensive","start":2508.52,"end":2509.02,"confidence":0.9979893,"punctuated_word":"expensive","sentiment":"neutral","sentiment_score":-0.17946070432662964},{"word":"as","start":2509.08,"end":2509.24,"confidence":0.9997135,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1451127529144287},{"word":"you","start":2509.24,"end":2509.48,"confidence":0.9996284,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14067530632019043},{"word":"get","start":2509.48,"end":2509.72,"confidence":0.9997857,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1599833369255066},{"word":"older","start":2509.72,"end":2510.2,"confidence":0.77332413,"punctuated_word":"older.","sentiment":"neutral","sentiment_score":-0.14755767583847046},{"word":"so","start":2510.2,"end":2510.52,"confidence":0.99948907,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1041429564356804},{"word":"these","start":2510.52,"end":2510.84,"confidence":0.98422736,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.1649147868156433},{"word":"will","start":2510.84,"end":2511.08,"confidence":0.9998729,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.12149323523044586},{"word":"continue","start":2511.08,"end":2511.56,"confidence":0.9998047,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":-0.09249033778905869},{"word":"to","start":2511.56,"end":2511.72,"confidence":0.99923587,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13894417881965637},{"word":"get","start":2511.72,"end":2511.96,"confidence":0.9998584,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.17011287808418274},{"word":"more","start":2511.96,"end":2512.2,"confidence":0.99975556,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.18934772908687592},{"word":"expensive","start":2512.2,"end":2512.68,"confidence":0.9483141,"punctuated_word":"expensive,","sentiment":"neutral","sentiment_score":-0.17050611972808838},{"word":"which","start":2512.68,"end":2512.92,"confidence":0.9998516,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.11850127577781676},{"word":"has","start":2512.92,"end":2513.08,"confidence":0.9997421,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.10823865234851836},{"word":"a","start":2513.08,"end":2513.16,"confidence":0.99927145,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17424777150154114},{"word":"greater","start":2513.16,"end":2513.64,"confidence":0.99965215,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":-0.11491702497005464},{"word":"effect","start":2513.64,"end":2514.14,"confidence":0.98049116,"punctuated_word":"effect.","sentiment":"neutral","sentiment_score":-0.09432044625282288},{"word":"so","start":2514.36,"end":2514.52,"confidence":0.9989666,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.006763473153114319},{"word":"we","start":2514.52,"end":2514.68,"confidence":0.99951553,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.021445125341415405},{"word":"will","start":2514.68,"end":2515.0,"confidence":0.65644103,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.012847676873207092},{"word":"definitely","start":2515.0,"end":2515.4,"confidence":0.9620665,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.05994255840778351},{"word":"wanna","start":2515.4,"end":2515.64,"confidence":0.9949078,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.033635370433330536},{"word":"make","start":2515.64,"end":2515.72,"confidence":0.99895954,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.009494751691818236},{"word":"sure","start":2515.72,"end":2515.96,"confidence":0.9995303,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.05395856499671936},{"word":"we","start":2515.96,"end":2516.12,"confidence":0.99893767,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07215049862861633},{"word":"review","start":2516.12,"end":2516.44,"confidence":0.999721,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.05271159112453461},{"word":"them","start":2516.44,"end":2516.68,"confidence":0.9985965,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.029184386134147644},{"word":"with","start":2516.68,"end":2517.0,"confidence":0.99925214,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05528847873210907},{"word":"you","start":2517.0,"end":2517.32,"confidence":0.39520124,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0008812695741653442},{"word":"and","start":2517.32,"end":2517.48,"confidence":0.56682956,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013006463646888731},{"word":"try","start":2517.48,"end":2517.64,"confidence":0.9760686,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.026541203260421753},{"word":"to","start":2517.64,"end":2517.8,"confidence":0.9975661,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04288375377655029},{"word":"reduce","start":2517.8,"end":2518.2,"confidence":0.9993519,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.05978187918663025},{"word":"them","start":2518.2,"end":2518.36,"confidence":0.9978544,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.07683749496936798},{"word":"back","start":2518.36,"end":2518.68,"confidence":0.9989359,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.0638042464852333},{"word":"as","start":2518.68,"end":2518.92,"confidence":0.9991654,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.006998389959335327},{"word":"you","start":2518.92,"end":2519.32,"confidence":0.9986865,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015771403908729553},{"word":"no","start":2519.32,"end":2519.48,"confidence":0.9983625,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.05856127291917801},{"word":"longer","start":2519.48,"end":2519.8,"confidence":0.9990534,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.04170559346675873},{"word":"need","start":2519.8,"end":2520.135,"confidence":0.9905043,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.07391772419214249},{"word":"that","start":2520.135,"end":2520.375,"confidence":0.9915025,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.013463228940963743},{"word":"level","start":2520.375,"end":2520.495,"confidence":0.9998338,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.05343365669250488},{"word":"of","start":2520.495,"end":2520.615,"confidence":0.9996351,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.028765007853507996},{"word":"cover","start":2520.615,"end":2521.115,"confidence":0.6866256,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":-0.0517064705491066},{"word":"because","start":2522.135,"end":2522.455,"confidence":0.5745998,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.017581090331077576},{"word":"i","start":2522.455,"end":2522.615,"confidence":0.9997303,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.010114386677742004},{"word":"have","start":2522.615,"end":2522.855,"confidence":0.9996991,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.026685841381549835},{"word":"seen","start":2522.855,"end":2523.2551,"confidence":0.99829465,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.014008522033691406},{"word":"people","start":2523.2551,"end":2523.575,"confidence":0.99954444,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.03317524492740631},{"word":"in","start":2523.575,"end":2523.655,"confidence":0.9991849,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02458357810974121},{"word":"their","start":2523.655,"end":2523.895,"confidence":0.90694183,"punctuated_word":"their,","sentiment":"neutral","sentiment_score":-0.010332271456718445},{"word":"you","start":2523.895,"end":2523.975,"confidence":0.9998741,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0030886679887771606},{"word":"know","start":2523.975,"end":2524.215,"confidence":0.99963146,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.010863080620765686},{"word":"fifties","start":2524.215,"end":2524.615,"confidence":0.99662,"punctuated_word":"fifties","sentiment":"neutral","sentiment_score":0.02626585215330124},{"word":"and","start":2524.615,"end":2524.775,"confidence":0.99783343,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00472712516784668},{"word":"sixties","start":2524.775,"end":2525.175,"confidence":0.9979906,"punctuated_word":"sixties","sentiment":"neutral","sentiment_score":0.042486343532800674},{"word":"who","start":2525.175,"end":2525.415,"confidence":0.9554901,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.05321412533521652},{"word":"are","start":2525.415,"end":2525.495,"confidence":0.99864656,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.032895490527153015},{"word":"paying","start":2525.495,"end":2525.995,"confidence":0.99976474,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.0391901433467865},{"word":"phenomenal","start":2526.535,"end":2527.035,"confidence":0.63913035,"punctuated_word":"phenomenal","sentiment":"neutral","sentiment_score":0.0069632381200790405},{"word":"premiums","start":2527.175,"end":2527.675,"confidence":0.9849473,"punctuated_word":"premiums.","sentiment":"neutral","sentiment_score":0.0987776443362236},{"word":"i'm","start":2527.735,"end":2527.975,"confidence":0.9993362,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0488848052918911},{"word":"talking","start":2527.975,"end":2528.375,"confidence":0.89178586,"punctuated_word":"talking,","sentiment":"neutral","sentiment_score":0.0685289055109024},{"word":"like","start":2528.375,"end":2528.695,"confidence":0.99851215,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.055027320981025696},{"word":"$10.15","start":2528.695,"end":2529.7551,"confidence":0.9970696,"punctuated_word":"$10.15,","sentiment":"neutral","sentiment_score":0.060584187507629395},{"word":"$20,000","start":2529.895,"end":2531.015,"confidence":0.99933445,"punctuated_word":"$20,000","sentiment":"neutral","sentiment_score":0.09873684495687483},{"word":"in","start":2531.015,"end":2531.175,"confidence":0.98376405,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.048533640801906586},{"word":"premiums","start":2531.175,"end":2531.675,"confidence":0.7659719,"punctuated_word":"premiums.","sentiment":"neutral","sentiment_score":0.024783439934253693},{"word":"so","start":2531.815,"end":2532.315,"confidence":0.9986694,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04276508837938309},{"word":"we","start":2532.535,"end":2532.695,"confidence":0.99794334,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.037426210939884186},{"word":"just","start":2532.695,"end":2532.935,"confidence":0.99990046,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07495024800300598},{"word":"wanna","start":2532.935,"end":2533.2551,"confidence":0.99636,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.10780508816242218},{"word":"make","start":2533.2551,"end":2533.415,"confidence":0.9987472,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08021696656942368},{"word":"sure","start":2533.415,"end":2533.655,"confidence":0.99958163,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.13659539818763733},{"word":"that","start":2533.655,"end":2533.815,"confidence":0.99980503,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09609059244394302},{"word":"you","start":2533.815,"end":2534.055,"confidence":0.99969196,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08858621120452881},{"word":"guys","start":2534.055,"end":2534.375,"confidence":0.99933535,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.0789242833852768},{"word":"are","start":2534.375,"end":2534.455,"confidence":0.99876213,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0876864343881607},{"word":"not","start":2534.455,"end":2534.955,"confidence":0.9998282,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06184150278568268},{"word":"having","start":2535.3,"end":2535.54,"confidence":0.99986756,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.009516969323158264},{"word":"all","start":2535.54,"end":2535.78,"confidence":0.9993136,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.02264387160539627},{"word":"your","start":2535.78,"end":2536.02,"confidence":0.99347454,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04400184750556946},{"word":"super","start":2536.02,"end":2536.4202,"confidence":0.3986024,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.35297927260398865},{"word":"easy","start":2536.4202,"end":2536.6602,"confidence":0.6697408,"punctuated_word":"easy","sentiment":"neutral","sentiment_score":0.31365305185317993},{"word":"way","start":2536.6602,"end":2537.1602,"confidence":0.97870934,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.1839240789413452},{"word":"yeah","start":2537.3801,"end":2537.78,"confidence":0.998617,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.061229728162288666},{"word":"correct","start":2537.78,"end":2538.28,"confidence":0.9966312,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.06401695311069489},{"word":"correct","start":2538.4202,"end":2538.9202,"confidence":0.94757783,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.023081395775079727},{"word":"well","start":2541.3,"end":2541.7,"confidence":0.8858139,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.012414122931659222},{"word":"let's","start":2541.7,"end":2541.94,"confidence":0.9990643,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.013832557015120985},{"word":"have","start":2541.94,"end":2542.1802,"confidence":0.997255,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.004610534757375717},{"word":"a","start":2542.1802,"end":2542.34,"confidence":0.9948095,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009229110553860664},{"word":"look","start":2542.34,"end":2542.58,"confidence":0.99797016,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.009143609553575516},{"word":"at","start":2542.58,"end":2542.74,"confidence":0.96352535,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0058847591280937195},{"word":"that","start":2542.74,"end":2543.24,"confidence":0.99793935,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.010640250518918036},{"word":"yes","start":2543.3,"end":2543.8,"confidence":0.8124734,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.036778148263692856},{"word":"so","start":2544.1,"end":2544.6,"confidence":0.9772339,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0012692958116531372},{"word":"yeah","start":2548.34,"end":2548.84,"confidence":0.98037386,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.012513264082372189},{"word":"correct","start":2549.235,"end":2549.735,"confidence":0.9783866,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":-0.025806916877627373},{"word":"correct","start":2549.955,"end":2550.455,"confidence":0.9926435,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":-0.03946424275636673},{"word":"yeah","start":2555.3152,"end":2555.715,"confidence":0.98829126,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08985276520252228},{"word":"correct","start":2555.715,"end":2556.215,"confidence":0.9994165,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.17522594332695007},{"word":"so","start":2556.5151,"end":2556.7551,"confidence":0.6551007,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1317259818315506},{"word":"let's","start":2556.7551,"end":2556.995,"confidence":0.9997914,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.15464642643928528},{"word":"have","start":2556.995,"end":2557.235,"confidence":0.99891436,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16364318132400513},{"word":"a","start":2557.235,"end":2557.395,"confidence":0.99925107,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15771141648292542},{"word":"look","start":2557.395,"end":2557.715,"confidence":0.9998915,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11006233096122742},{"word":"at","start":2557.715,"end":2557.955,"confidence":0.9992773,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1264536678791046},{"word":"your","start":2557.955,"end":2558.2751,"confidence":0.9997838,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1677676886320114},{"word":"super","start":2558.2751,"end":2558.5952,"confidence":0.96950096,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.17800545692443848},{"word":"balance","start":2558.5952,"end":2558.915,"confidence":0.9717296,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.1940482258796692},{"word":"and","start":2558.915,"end":2559.0752,"confidence":0.98813033,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13794472813606262},{"word":"see","start":2559.0752,"end":2559.3152,"confidence":0.9972972,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.18414953351020813},{"word":"where","start":2559.3152,"end":2559.475,"confidence":0.99760664,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.15121245384216309},{"word":"that's","start":2559.475,"end":2559.7952,"confidence":0.999602,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.15824322402477264},{"word":"up","start":2559.7952,"end":2560.0352,"confidence":0.99914515,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1410495936870575},{"word":"to","start":2560.0352,"end":2560.5352,"confidence":0.9958044,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.11264637857675552},{"word":"so","start":2560.7551,"end":2561.2551,"confidence":0.99956805,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11341232061386108},{"word":"given","start":2561.3152,"end":2561.635,"confidence":0.9992112,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.1311975121498108},{"word":"that","start":2561.635,"end":2561.7952,"confidence":0.9995888,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13029490411281586},{"word":"your","start":2561.7952,"end":2562.115,"confidence":0.9990909,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15182575583457947},{"word":"mortgage","start":2562.115,"end":2562.615,"confidence":0.9994205,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.1241326630115509},{"word":"is","start":2562.675,"end":2562.8352,"confidence":0.99735814,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1091574728488922},{"word":"basically","start":2562.8352,"end":2563.3352,"confidence":0.9916333,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.13423126935958862},{"word":"fully","start":2563.475,"end":2563.7952,"confidence":0.99705374,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.15365684032440186},{"word":"off","start":2563.7952,"end":2564.13,"confidence":0.6001439,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.06407205760478973},{"word":"offset","start":2564.2898,"end":2564.6099,"confidence":0.8455167,"punctuated_word":"offset,","sentiment":"neutral","sentiment_score":0.06615772843360901},{"word":"even","start":2564.6099,"end":2564.93,"confidence":0.99967647,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.09385669231414796},{"word":"if","start":2564.93,"end":2565.0898,"confidence":0.9996768,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11832127720117568},{"word":"you","start":2565.0898,"end":2565.3298,"confidence":0.99988973,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.100925475358963},{"word":"do","start":2565.3298,"end":2565.5698,"confidence":0.8462129,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.11262719333171844},{"word":"say","start":2565.5698,"end":2566.0498,"confidence":0.99307466,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.09569549560546876},{"word":"take","start":2566.0498,"end":2566.2898,"confidence":0.9996126,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.13312801718711853},{"word":"a","start":2566.2898,"end":2566.45,"confidence":0.99938345,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15426895022392273},{"word":"bit","start":2566.45,"end":2566.6099,"confidence":0.99970347,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14929354190826416},{"word":"of","start":2566.6099,"end":2566.7698,"confidence":0.9988405,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13049441576004028},{"word":"money","start":2566.7698,"end":2567.17,"confidence":0.9997559,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.12732496857643127},{"word":"out","start":2567.17,"end":2567.67,"confidence":0.90610474,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.12262808531522752},{"word":"you","start":2567.97,"end":2568.13,"confidence":0.643528,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13854175806045532},{"word":"said","start":2568.13,"end":2568.3699,"confidence":0.9994759,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.1427687555551529},{"word":"you'd","start":2568.3699,"end":2568.6099,"confidence":0.9358608,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.1584978699684143},{"word":"probably","start":2568.6099,"end":2568.8499,"confidence":0.999746,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.15616819262504578},{"word":"take","start":2568.8499,"end":2569.0098,"confidence":0.99962366,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.1397603005170822},{"word":"about","start":2569.0098,"end":2569.3298,"confidence":0.9988217,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1102583259344101},{"word":"100,000","start":2569.3298,"end":2570.2898,"confidence":0.9884413,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.18503965437412265},{"word":"out","start":2570.2898,"end":2570.5298,"confidence":0.9991749,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1544751524925232},{"word":"of","start":2570.5298,"end":2570.7698,"confidence":0.9994911,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11243127286434174},{"word":"that","start":2570.7698,"end":2571.17,"confidence":0.9987633,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1243945062160492},{"word":"for","start":2571.17,"end":2571.5698,"confidence":0.9965113,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.099868506193161},{"word":"the","start":2571.5698,"end":2572.0698,"confidence":0.999814,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11292321979999542},{"word":"the","start":2573.25,"end":2573.3298,"confidence":0.70935965,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10890355706214903},{"word":"purchase","start":2573.3298,"end":2573.73,"confidence":0.9984861,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.1246548667550087},{"word":"of","start":2573.73,"end":2573.89,"confidence":0.9997911,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1169632524251938},{"word":"the","start":2573.89,"end":2574.13,"confidence":0.9959371,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09392164647579192},{"word":"caravan","start":2574.13,"end":2574.63,"confidence":0.9748011,"punctuated_word":"caravan","sentiment":"neutral","sentiment_score":0.12106582522392272},{"word":"or","start":2574.7698,"end":2574.93,"confidence":0.99090236,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12888866662979126},{"word":"the","start":2574.93,"end":2575.25,"confidence":0.9991972,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10922636091709136},{"word":"the","start":2575.25,"end":2575.49,"confidence":0.97106117,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0927891880273819},{"word":"motor","start":2575.49,"end":2575.89,"confidence":0.9678243,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.13509607315063477},{"word":"home","start":2575.89,"end":2576.39,"confidence":0.7439402,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":0.09582775831222534},{"word":"yeah","start":2579.5698,"end":2580.0698,"confidence":0.96229017,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0896383598446846},{"word":"so","start":2580.315,"end":2580.555,"confidence":0.99695635,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11018756777048112},{"word":"just","start":2580.555,"end":2581.055,"confidence":0.99714833,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12808972597122192},{"word":"looking","start":2581.115,"end":2581.435,"confidence":0.9613969,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.10188548266887663},{"word":"at","start":2581.435,"end":2581.595,"confidence":0.9993944,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08217672258615494},{"word":"things","start":2581.595,"end":2581.9949,"confidence":0.9458705,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.11832942813634872},{"word":"that","start":2581.9949,"end":2582.2349,"confidence":0.99952614,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1112598106265068},{"word":"realistically","start":2582.2349,"end":2582.7349,"confidence":0.96891207,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":0.07686108350753784},{"word":"means","start":2583.035,"end":2583.275,"confidence":0.99885786,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.03214830160140991},{"word":"in","start":2583.275,"end":2583.435,"confidence":0.97341204,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05348311364650726},{"word":"the","start":2583.435,"end":2583.595,"confidence":0.99987626,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05234145373106003},{"word":"event","start":2583.595,"end":2584.075,"confidence":0.9992199,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.046142734587192535},{"word":"of","start":2584.075,"end":2584.315,"confidence":0.976418,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.029683057218790054},{"word":"say","start":2584.315,"end":2584.555,"confidence":0.99444354,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.04175024479627609},{"word":"you","start":2584.555,"end":2584.795,"confidence":0.99540293,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02430294454097748},{"word":"passing","start":2584.795,"end":2585.195,"confidence":0.8224976,"punctuated_word":"passing","sentiment":"neutral","sentiment_score":-0.030983634293079376},{"word":"away","start":2585.195,"end":2585.515,"confidence":0.84944135,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":0.002622906118631363},{"word":"in","start":2585.515,"end":2585.675,"confidence":0.99935585,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.036543913185596466},{"word":"order","start":2585.675,"end":2585.915,"confidence":0.99988556,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.02342628687620163},{"word":"to","start":2585.915,"end":2586.075,"confidence":0.9993925,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.036681167781353},{"word":"be","start":2586.075,"end":2586.155,"confidence":0.9993518,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06565561145544052},{"word":"debt","start":2586.155,"end":2586.395,"confidence":0.99857056,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.0005210191011428833},{"word":"free","start":2586.395,"end":2586.635,"confidence":0.99651,"punctuated_word":"free,","sentiment":"neutral","sentiment_score":0.081117644906044},{"word":"it'd","start":2586.635,"end":2586.9548,"confidence":0.7674842,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":0.06959280371665955},{"word":"be","start":2586.9548,"end":2587.115,"confidence":0.99446034,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11527889221906662},{"word":"looking","start":2587.115,"end":2587.355,"confidence":0.9991239,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.08991354703903198},{"word":"to","start":2587.355,"end":2587.595,"confidence":0.99861085,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.059437550604343414},{"word":"pay","start":2587.595,"end":2587.755,"confidence":0.99328446,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.003972969949245453},{"word":"off","start":2587.755,"end":2588.255,"confidence":0.99918896,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.003790616989135742},{"word":"that","start":2588.315,"end":2588.635,"confidence":0.999025,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08300536870956421},{"word":"portion","start":2588.635,"end":2588.9548,"confidence":0.9997304,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.033625759184360504},{"word":"of","start":2588.9548,"end":2589.115,"confidence":0.9993143,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06569263339042664},{"word":"the","start":2589.115,"end":2589.275,"confidence":0.9991715,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07083402574062347},{"word":"mortgage","start":2589.275,"end":2589.755,"confidence":0.9825714,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.049491602927446365},{"word":"that","start":2589.755,"end":2589.915,"confidence":0.9980106,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1352219581604004},{"word":"you","start":2589.915,"end":2590.155,"confidence":0.9989496,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1180754154920578},{"word":"do","start":2590.155,"end":2590.315,"confidence":0.9983985,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10080644488334656},{"word":"use","start":2590.315,"end":2590.7148,"confidence":0.9434087,"punctuated_word":"use,","sentiment":"neutral","sentiment_score":0.0715862363576889},{"word":"but","start":2590.7148,"end":2590.875,"confidence":0.99806577,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05072343721985817},{"word":"then","start":2590.875,"end":2591.035,"confidence":0.9993383,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.05037974193692207},{"word":"also","start":2591.035,"end":2591.355,"confidence":0.9614205,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.04208735376596451},{"word":"the","start":2591.355,"end":2591.595,"confidence":0.9910466,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.032387666404247284},{"word":"car","start":2591.595,"end":2591.915,"confidence":0.99807066,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.008715830743312836},{"word":"loans","start":2591.915,"end":2592.315,"confidence":0.99109113,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.001425124704837799},{"word":"if","start":2592.315,"end":2592.4749,"confidence":0.9044211,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06401335448026657},{"word":"it's","start":2592.4749,"end":2592.7148,"confidence":0.9978703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.033837705850601196},{"word":"within","start":2592.7148,"end":2593.035,"confidence":0.9981255,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.040237657725811005},{"word":"that","start":2593.035,"end":2593.355,"confidence":0.98606366,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04018324613571167},{"word":"time","start":2593.355,"end":2593.595,"confidence":0.9410842,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.01379692554473877},{"word":"frame","start":2593.595,"end":2593.86,"confidence":0.9640054,"punctuated_word":"frame.","sentiment":"neutral","sentiment_score":-0.0066144876182079315},{"word":"so","start":2595.1401,"end":2595.6401,"confidence":0.8404063,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02033233642578125},{"word":"yeah","start":2596.9001,"end":2597.4001,"confidence":0.9899746,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.00855083018541336},{"word":"i'm","start":2601.86,"end":2602.1,"confidence":0.9119437,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.013775824569165708},{"word":"just","start":2602.1,"end":2602.34,"confidence":0.9984749,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02180352434515953},{"word":"logging","start":2602.34,"end":2602.6602,"confidence":0.93076074,"punctuated_word":"logging","sentiment":"neutral","sentiment_score":0.01534336619079113},{"word":"in","start":2602.6602,"end":2602.82,"confidence":0.557423,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.005005601793527603},{"word":"to","start":2602.82,"end":2602.9802,"confidence":0.9101771,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01205684244632721},{"word":"hubspot","start":2602.9802,"end":2603.4802,"confidence":0.8781842,"punctuated_word":"HubSpot","sentiment":"neutral","sentiment_score":0.014227288775146008},{"word":"real","start":2603.54,"end":2603.78,"confidence":0.653885,"punctuated_word":"real","sentiment":"neutral","sentiment_score":-0.07250076532363892},{"word":"quick","start":2603.78,"end":2604.28,"confidence":0.99634683,"punctuated_word":"quick.","sentiment":"neutral","sentiment_score":-0.004012484103441238},{"word":"yeah","start":2607.06,"end":2607.4602,"confidence":0.98948467,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1672587692737579},{"word":"absolutely","start":2607.4602,"end":2607.9602,"confidence":0.9976196,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.30571842193603516},{"word":"absolutely","start":2608.26,"end":2608.76,"confidence":0.99437803,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.30042755603790283},{"word":"and","start":2608.82,"end":2608.9802,"confidence":0.9517037,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.24532988667488095},{"word":"it","start":2608.9802,"end":2609.265,"confidence":0.7860524,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.27155208587646484},{"word":"comes","start":2609.345,"end":2609.505,"confidence":0.9925592,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.24167349934577945},{"word":"down","start":2609.505,"end":2609.6648,"confidence":0.99595416,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.23082943260669708},{"word":"to","start":2609.6648,"end":2609.7449,"confidence":0.99820995,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2540366053581238},{"word":"your","start":2609.7449,"end":2609.9849,"confidence":0.9993741,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2777726948261261},{"word":"goal","start":2609.9849,"end":2610.2249,"confidence":0.9782033,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.2617204487323761},{"word":"there","start":2610.2249,"end":2610.625,"confidence":0.9974679,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2913118600845337},{"word":"so","start":2610.625,"end":2610.865,"confidence":0.99972516,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13623261451721191},{"word":"when","start":2610.865,"end":2611.105,"confidence":0.99974734,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.10988181829452516},{"word":"you","start":2611.105,"end":2611.1848,"confidence":0.9998863,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17325355112552643},{"word":"look","start":2611.1848,"end":2611.4248,"confidence":0.99968195,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14997196197509766},{"word":"at","start":2611.4248,"end":2611.505,"confidence":0.99964166,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1414930820465088},{"word":"your","start":2611.505,"end":2611.7449,"confidence":0.9997799,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15646381676197052},{"word":"super","start":2611.7449,"end":2612.1448,"confidence":0.96421534,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16872680187225342},{"word":"balance","start":2612.1448,"end":2612.4648,"confidence":0.97624844,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.12209628522396088},{"word":"at","start":2612.4648,"end":2612.625,"confidence":0.9953949,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10442493855953217},{"word":"the","start":2612.625,"end":2612.785,"confidence":0.99984264,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1301623284816742},{"word":"moment","start":2612.785,"end":2613.285,"confidence":0.9986775,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.12976592779159546},{"word":"your","start":2613.9048,"end":2613.9849,"confidence":0.56370753,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11536633223295212},{"word":"balance","start":2613.9849,"end":2614.4648,"confidence":0.99977916,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.0825980007648468},{"word":"as","start":2614.4648,"end":2614.7048,"confidence":0.92001724,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11861386150121687},{"word":"of","start":2614.7048,"end":2614.865,"confidence":0.9994842,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10409858822822572},{"word":"today's","start":2614.865,"end":2615.345,"confidence":0.99916726,"punctuated_word":"today's","sentiment":"neutral","sentiment_score":0.121362566947937},{"word":"date","start":2615.345,"end":2615.845,"confidence":0.99187887,"punctuated_word":"date,","sentiment":"neutral","sentiment_score":0.1097712367773056},{"word":"you've","start":2616.305,"end":2616.545,"confidence":0.9940834,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.12203726172447205},{"word":"got","start":2616.545,"end":2616.785,"confidence":0.99996305,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.15293720364570618},{"word":"699,532","start":2616.785,"end":2620.4048,"confidence":0.99232554,"punctuated_word":"699,532.","sentiment":"neutral","sentiment_score":0.10784908384084702},{"word":"so","start":2620.785,"end":2621.025,"confidence":0.99941134,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06104486808180809},{"word":"when","start":2621.025,"end":2621.1848,"confidence":0.9997651,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.02010192349553108},{"word":"we","start":2621.1848,"end":2621.43,"confidence":0.9998447,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02945134788751602},{"word":"sort","start":2621.43,"end":2621.5898,"confidence":0.9996088,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.019127067178487778},{"word":"of","start":2621.5898,"end":2621.75,"confidence":0.9995432,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014575265347957613},{"word":"look","start":2621.75,"end":2621.8298,"confidence":0.99941623,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.008193332701921463},{"word":"at","start":2621.8298,"end":2622.3298,"confidence":0.9998454,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.011313438415527344},{"word":"this","start":2622.39,"end":2622.71,"confidence":0.8469622,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.002078169956803322},{"word":"if","start":2622.71,"end":2622.95,"confidence":0.99965453,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0009507667273283004},{"word":"you","start":2622.95,"end":2623.1099,"confidence":0.9997485,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.022241927683353424},{"word":"were","start":2623.1099,"end":2623.43,"confidence":0.99963486,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.021704167127609253},{"word":"to","start":2623.43,"end":2623.5898,"confidence":0.99980015,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03757060319185257},{"word":"pass","start":2623.5898,"end":2623.91,"confidence":0.9987962,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.07829488813877106},{"word":"away","start":2623.91,"end":2624.3098,"confidence":0.9991215,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.053586095571517944},{"word":"today","start":2624.3098,"end":2624.8098,"confidence":0.9997434,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.02514665573835373},{"word":"and","start":2625.99,"end":2626.39,"confidence":0.711868,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.023179125040769577},{"word":"say","start":2626.39,"end":2626.8699,"confidence":0.6824798,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.06531202048063278},{"word":"at","start":2626.8699,"end":2627.03,"confidence":0.99951875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04765206575393677},{"word":"the","start":2627.03,"end":2627.19,"confidence":0.99972266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.055622030049562454},{"word":"moment","start":2627.19,"end":2627.5898,"confidence":0.9506302,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.054139308631420135},{"word":"your","start":2627.5898,"end":2627.8298,"confidence":0.9964652,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06603972613811493},{"word":"mortgage","start":2627.8298,"end":2628.23,"confidence":0.998058,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.03902384266257286},{"word":"is","start":2628.23,"end":2628.39,"confidence":0.9966582,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.058169297873973846},{"word":"fully","start":2628.39,"end":2628.79,"confidence":0.99939,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.122653029859066},{"word":"offset","start":2628.79,"end":2629.29,"confidence":0.87906903,"punctuated_word":"offset,","sentiment":"neutral","sentiment_score":0.05156629905104637},{"word":"so","start":2629.5898,"end":2629.75,"confidence":0.9957742,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08864980190992355},{"word":"you","start":2629.75,"end":2629.91,"confidence":0.99988115,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10830911993980408},{"word":"don't","start":2629.91,"end":2630.15,"confidence":0.99985266,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.07606092095375061},{"word":"have","start":2630.15,"end":2630.3098,"confidence":0.9996748,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08910906314849854},{"word":"to","start":2630.3098,"end":2630.39,"confidence":0.99800175,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06888912618160248},{"word":"worry","start":2630.39,"end":2630.63,"confidence":0.99994683,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":0.016963034868240356},{"word":"about","start":2630.63,"end":2631.03,"confidence":0.9976272,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.035856276750564575},{"word":"paying","start":2631.03,"end":2631.3499,"confidence":0.99900764,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.04334814101457596},{"word":"that","start":2631.3499,"end":2631.5898,"confidence":0.9949049,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0062448978424072266},{"word":"back","start":2631.5898,"end":2632.0898,"confidence":0.7990649,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":-0.01429365947842598},{"word":"but","start":2632.23,"end":2632.39,"confidence":0.9993231,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.028391748666763306},{"word":"then","start":2632.39,"end":2632.63,"confidence":0.9996568,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.051497962325811386},{"word":"looking","start":2632.63,"end":2632.95,"confidence":0.9718659,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.03156638890504837},{"word":"at","start":2632.95,"end":2633.1099,"confidence":0.9769831,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.014744654297828674},{"word":"the","start":2633.1099,"end":2633.19,"confidence":0.99761605,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028104856610298157},{"word":"other","start":2633.19,"end":2633.43,"confidence":0.9988458,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.001751132309436798},{"word":"debts","start":2633.43,"end":2633.75,"confidence":0.99765754,"punctuated_word":"debts","sentiment":"neutral","sentiment_score":-0.014549944549798964},{"word":"that","start":2633.75,"end":2633.8298,"confidence":0.9873696,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009594954550266266},{"word":"you","start":2633.8298,"end":2633.99,"confidence":0.9983846,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034367889165878296},{"word":"do","start":2633.99,"end":2634.23,"confidence":0.9990176,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05326659977436066},{"word":"have","start":2634.23,"end":2634.63,"confidence":0.9908831,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.01922210305929184},{"word":"you've","start":2634.63,"end":2634.8699,"confidence":0.8459865,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.015732690691947937},{"word":"essentially","start":2634.8699,"end":2635.3699,"confidence":0.995802,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.01364113949239254},{"word":"just","start":2635.43,"end":2635.67,"confidence":0.9980459,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02701349556446075},{"word":"got","start":2635.67,"end":2636.0698,"confidence":0.9966023,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.015370100736618042},{"word":"the","start":2636.0698,"end":2636.23,"confidence":0.98515075,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005332455039024353},{"word":"two","start":2636.23,"end":2636.47,"confidence":0.9941409,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.017972171306610107},{"word":"car","start":2636.47,"end":2636.925,"confidence":0.9770601,"punctuated_word":"car","sentiment":"neutral","sentiment_score":-0.02041072398424149},{"word":"loans","start":2637.405,"end":2637.725,"confidence":0.9636131,"punctuated_word":"loans.","sentiment":"neutral","sentiment_score":-0.012195026502013206},{"word":"so","start":2637.725,"end":2638.225,"confidence":0.99020374,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.016079602763056755},{"word":"43","start":2638.685,"end":2639.405,"confidence":0.9926645,"punctuated_word":"43","sentiment":"neutral","sentiment_score":0.013143626973032951},{"word":"thousand","start":2639.405,"end":2639.905,"confidence":0.9984623,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.011282581835985184},{"word":"and","start":2641.0051,"end":2641.325,"confidence":0.99093187,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030364368110895157},{"word":"70","start":2641.325,"end":2641.825,"confidence":0.97982764,"punctuated_word":"70.","sentiment":"neutral","sentiment_score":0.023576922714710236},{"word":"so","start":2642.7651,"end":2643.0051,"confidence":0.99766564,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.021523240953683853},{"word":"it's","start":2643.0051,"end":2643.165,"confidence":0.99961424,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.024743175134062767},{"word":"about","start":2643.165,"end":2643.405,"confidence":0.99965024,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0366794615983963},{"word":"a","start":2643.405,"end":2643.485,"confidence":0.99510694,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.031974442303180695},{"word":"113,000","start":2643.485,"end":2644.7651,"confidence":0.99687225,"punctuated_word":"113,000","sentiment":"neutral","sentiment_score":0.006527010351419449},{"word":"that","start":2644.7651,"end":2644.845,"confidence":0.9925788,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.013311326503753662},{"word":"would","start":2644.845,"end":2645.085,"confidence":0.9998373,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.002132005989551544},{"word":"have","start":2645.085,"end":2645.245,"confidence":0.9995034,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.00794655829668045},{"word":"to","start":2645.245,"end":2645.325,"confidence":0.9996941,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0016513988375663755},{"word":"be","start":2645.325,"end":2645.485,"confidence":0.9983529,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0003741234540939331},{"word":"paid","start":2645.485,"end":2645.645,"confidence":0.99993694,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.02679852396249771},{"word":"off","start":2645.645,"end":2645.805,"confidence":0.99976534,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.01681164652109146},{"word":"in","start":2645.805,"end":2646.125,"confidence":0.99972206,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05040108412504196},{"word":"debt","start":2646.125,"end":2646.625,"confidence":0.98049366,"punctuated_word":"debt.","sentiment":"neutral","sentiment_score":-0.02938608080148697},{"word":"so","start":2646.925,"end":2647.245,"confidence":0.99895155,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06281506270170212},{"word":"$6.99","start":2647.245,"end":2648.465,"confidence":0.98421955,"punctuated_word":"$6.99","sentiment":"neutral","sentiment_score":0.09533587098121644},{"word":"$5.03","start":2648.685,"end":2649.325,"confidence":0.8746766,"punctuated_word":"$5.03","sentiment":"neutral","sentiment_score":0.13151350617408752},{"word":"2","start":2649.325,"end":2649.825,"confidence":0.9968443,"punctuated_word":"2","sentiment":"neutral","sentiment_score":0.06740209460258484},{"word":"minus","start":2650.6199,"end":2651.1199,"confidence":0.99342936,"punctuated_word":"minus","sentiment":"neutral","sentiment_score":0.0633746087551117},{"word":"a","start":2651.98,"end":2652.14,"confidence":0.8836001,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.036027099937200546},{"word":"113","start":2652.14,"end":2653.1199,"confidence":0.9946162,"punctuated_word":"113","sentiment":"neutral","sentiment_score":0.032693423330783844},{"word":"essentially","start":2655.26,"end":2655.76,"confidence":0.6666978,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.05252694338560104},{"word":"means","start":2655.9,"end":2656.22,"confidence":0.99755174,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.06243157014250755},{"word":"with","start":2656.22,"end":2656.38,"confidence":0.9905036,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12002898752689362},{"word":"your","start":2656.38,"end":2656.7,"confidence":0.9997992,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14213243126869202},{"word":"super","start":2656.7,"end":2657.0999,"confidence":0.9310666,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.15320158004760742},{"word":"balance","start":2657.0999,"end":2657.5,"confidence":0.94397944,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.16132202744483948},{"word":"paid","start":2657.5,"end":2657.74,"confidence":0.9964832,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.14682063460350037},{"word":"at","start":2657.74,"end":2658.0598,"confidence":0.86102796,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1911960393190384},{"word":"as","start":2658.0598,"end":2658.22,"confidence":0.97098845,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14602048695087433},{"word":"your","start":2658.22,"end":2658.5398,"confidence":0.9995634,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1562844216823578},{"word":"life","start":2658.5398,"end":2658.7,"confidence":0.98671573,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.10041853785514832},{"word":"benefit","start":2658.7,"end":2659.18,"confidence":0.7524766,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.1121206358075142},{"word":"this","start":2659.18,"end":2659.42,"confidence":0.9979685,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.06512149423360825},{"word":"is","start":2659.42,"end":2659.5798,"confidence":0.9967939,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03765946626663208},{"word":"not","start":2659.5798,"end":2659.8198,"confidence":0.99962044,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06518077105283737},{"word":"factoring","start":2659.8198,"end":2660.22,"confidence":0.99981743,"punctuated_word":"factoring","sentiment":"neutral","sentiment_score":0.05874444171786308},{"word":"in","start":2660.22,"end":2660.46,"confidence":0.99768174,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03908557444810867},{"word":"any","start":2660.46,"end":2660.7,"confidence":0.99958175,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.0018955916166305544},{"word":"additional","start":2660.7,"end":2661.0999,"confidence":0.99986875,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.05284702032804489},{"word":"life","start":2661.0999,"end":2661.5,"confidence":0.9997105,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.09920485317707062},{"word":"insurance","start":2661.5,"end":2662.0,"confidence":0.99530387,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":-0.021926019340753555},{"word":"it","start":2662.38,"end":2662.5398,"confidence":0.99940443,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.14323237538337708},{"word":"means","start":2662.5398,"end":2662.7798,"confidence":0.9999095,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.15750068426132202},{"word":"that","start":2662.7798,"end":2663.0198,"confidence":0.9787594,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2289964109659195},{"word":"lisa","start":2663.0198,"end":2663.3398,"confidence":0.9815778,"punctuated_word":"Lisa","sentiment":"neutral","sentiment_score":0.29479485750198364},{"word":"could","start":2663.3398,"end":2663.5798,"confidence":0.9995414,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.27362531423568726},{"word":"then","start":2663.5798,"end":2663.8198,"confidence":0.99985206,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2438696175813675},{"word":"receive","start":2663.8198,"end":2664.3198,"confidence":0.99959415,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.24637223780155185},{"word":"$586,005.32","start":2664.46,"end":2667.6648,"confidence":0.99933434,"punctuated_word":"$586,005.32","sentiment":"neutral","sentiment_score":0.24169611930847168},{"word":"plus","start":2667.7249,"end":2668.045,"confidence":0.6906871,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.23818567395210263},{"word":"you","start":2668.045,"end":2668.2048,"confidence":0.99851745,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3185841739177704},{"word":"guys","start":2668.2048,"end":2668.525,"confidence":0.9997346,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.29153215885162354},{"word":"being","start":2668.525,"end":2668.765,"confidence":0.9968251,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.31309178471565247},{"word":"fully","start":2668.765,"end":2669.085,"confidence":0.9995906,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.30898764729499817},{"word":"debt","start":2669.085,"end":2669.4048,"confidence":0.9979327,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.08404625952243805},{"word":"free","start":2669.4048,"end":2669.6448,"confidence":0.9997273,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.1903783082962036},{"word":"there","start":2669.6448,"end":2670.1448,"confidence":0.99901164,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1515275090932846},{"word":"realistically","start":2671.565,"end":2672.065,"confidence":0.930625,"punctuated_word":"Realistically,","sentiment":"neutral","sentiment_score":0.11045681685209274},{"word":"do","start":2672.365,"end":2672.525,"confidence":0.9788947,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.019282758235931396},{"word":"you","start":2672.525,"end":2673.025,"confidence":0.8710929,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03729097172617912},{"word":"yeah","start":2673.4048,"end":2673.885,"confidence":0.99213827,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07790279388427734},{"word":"do","start":2673.885,"end":2674.125,"confidence":0.9992532,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.0007124990224838257},{"word":"you","start":2674.125,"end":2674.285,"confidence":0.99978834,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05570603907108307},{"word":"feel","start":2674.285,"end":2674.605,"confidence":0.99947697,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.010443583130836489},{"word":"like","start":2674.605,"end":2674.845,"confidence":0.9955317,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07690027356147766},{"word":"that's","start":2674.845,"end":2675.1648,"confidence":0.9997661,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0840311050415039},{"word":"enough","start":2675.1648,"end":2675.565,"confidence":0.995618,"punctuated_word":"enough?","sentiment":"neutral","sentiment_score":0.04700068384408951},{"word":"do","start":2675.565,"end":2675.7249,"confidence":0.999915,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.04421010613441467},{"word":"you","start":2675.7249,"end":2675.805,"confidence":0.99981874,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.045762255787849426},{"word":"feel","start":2675.805,"end":2676.045,"confidence":0.99967015,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.012004688382148744},{"word":"like","start":2676.045,"end":2676.365,"confidence":0.99480766,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09201991558074953},{"word":"having","start":2676.365,"end":2676.6848,"confidence":0.9996697,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.11387099325656892},{"word":"a","start":2676.6848,"end":2676.765,"confidence":0.99974924,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10455548018217088},{"word":"bit","start":2676.765,"end":2676.9248,"confidence":0.9998264,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1050914227962494},{"word":"of","start":2676.9248,"end":2677.085,"confidence":0.9997762,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05923838913440704},{"word":"life","start":2677.085,"end":2677.325,"confidence":0.9899653,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.1361444741487503},{"word":"cover","start":2677.325,"end":2677.565,"confidence":0.99931574,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.1726931482553482},{"word":"on","start":2677.565,"end":2677.89,"confidence":0.99973494,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2077457308769226},{"word":"top","start":2677.89,"end":2678.0498,"confidence":0.99944705,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.1570085734128952},{"word":"of","start":2678.0498,"end":2678.21,"confidence":0.99923646,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2024889588356018},{"word":"that","start":2678.21,"end":2678.3699,"confidence":0.99951506,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11516133695840836},{"word":"would","start":2678.3699,"end":2678.5298,"confidence":0.9994306,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.17677795886993408},{"word":"provide","start":2678.5298,"end":2679.0298,"confidence":0.99991965,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.2104741781949997},{"word":"more","start":2679.73,"end":2680.0498,"confidence":0.99986637,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1637023538351059},{"word":"benefit","start":2680.0498,"end":2680.5498,"confidence":0.97478294,"punctuated_word":"benefit?","sentiment":"neutral","sentiment_score":0.06163337826728821},{"word":"how","start":2680.69,"end":2680.8499,"confidence":0.9997756,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.1746179312467575},{"word":"do","start":2680.8499,"end":2681.01,"confidence":0.99985695,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.16883307695388794},{"word":"you","start":2681.01,"end":2681.0898,"confidence":0.9987685,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1651977300643921},{"word":"feel","start":2681.0898,"end":2681.3298,"confidence":0.9965534,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.17593620717525482},{"word":"about","start":2681.3298,"end":2681.65,"confidence":0.9840135,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.2460917532444},{"word":"that","start":2681.65,"end":2681.8098,"confidence":0.9973053,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3246156573295593},{"word":"sort","start":2681.8098,"end":2682.0498,"confidence":0.92385966,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2837020754814148},{"word":"of","start":2682.0498,"end":2682.13,"confidence":0.95256233,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.25902214646339417},{"word":"stuff","start":2682.13,"end":2682.63,"confidence":0.94724953,"punctuated_word":"stuff?","sentiment":"neutral","sentiment_score":-0.2428685426712036},{"word":"you","start":2698.9448,"end":2699.025,"confidence":0.8321686,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.09770689904689787},{"word":"just","start":2699.025,"end":2699.345,"confidence":0.98720306,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10469630360603333},{"word":"yes","start":2707.68,"end":2708.18,"confidence":0.76198137,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12530554831027985},{"word":"yes","start":2708.24,"end":2708.64,"confidence":0.82963467,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14000505208969116},{"word":"yeah","start":2708.64,"end":2708.96,"confidence":0.97434306,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13803984224796295},{"word":"at","start":2708.96,"end":2709.1199,"confidence":0.9980343,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.17006731033325195},{"word":"the","start":2709.1199,"end":2709.28,"confidence":0.99985564,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1264435350894928},{"word":"moment","start":2709.28,"end":2709.78,"confidence":0.99424595,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.1354256272315979},{"word":"based","start":2709.92,"end":2710.24,"confidence":0.9962381,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.12897071242332458},{"word":"on","start":2710.24,"end":2710.4,"confidence":0.95033437,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.123311847448349},{"word":"the","start":2710.4,"end":2710.56,"confidence":0.9996501,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10563702881336212},{"word":"last","start":2710.56,"end":2710.88,"confidence":0.9992939,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.09582550078630447},{"word":"valuation","start":2710.88,"end":2711.38,"confidence":0.885911,"punctuated_word":"valuation","sentiment":"neutral","sentiment_score":0.09608069062232973},{"word":"i","start":2711.44,"end":2711.5999,"confidence":0.9937729,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0976514369249344},{"word":"have","start":2711.5999,"end":2712.08,"confidence":0.9999454,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10024893283843994},{"word":"of","start":2712.08,"end":2712.4,"confidence":0.9977429,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09102348983287813},{"word":"your","start":2712.4,"end":2712.9,"confidence":0.99979097,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08330518007278442},{"word":"premium","start":2713.44,"end":2713.94,"confidence":0.9977873,"punctuated_word":"premium,","sentiment":"neutral","sentiment_score":0.09065350890159608},{"word":"it","start":2714.48,"end":2714.72,"confidence":0.99732614,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08781033754348755},{"word":"was","start":2714.72,"end":2715.2,"confidence":0.99996436,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0776856541633606},{"word":"3,795","start":2715.2,"end":2717.2,"confidence":0.9694505,"punctuated_word":"3,795","sentiment":"neutral","sentiment_score":0.08282746374607086},{"word":"deducted","start":2717.2,"end":2717.7,"confidence":0.98433197,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.12837748229503632},{"word":"from","start":2717.76,"end":2718.0,"confidence":0.98893124,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08491106331348419},{"word":"super","start":2718.0,"end":2718.4,"confidence":0.36787772,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1177842766046524},{"word":"for","start":2718.4,"end":2718.64,"confidence":0.9794272,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12632088363170624},{"word":"the","start":2718.64,"end":2718.8,"confidence":0.999303,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06434070318937302},{"word":"insurance","start":2718.8,"end":2719.3,"confidence":0.9997446,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.03909976780414581},{"word":"costs","start":2719.3599,"end":2719.8599,"confidence":0.8386389,"punctuated_word":"costs.","sentiment":"neutral","sentiment_score":0.0782233253121376},{"word":"i","start":2720.235,"end":2720.715,"confidence":0.9851929,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08383069932460785},{"word":"mean","start":2720.715,"end":2720.875,"confidence":0.9973352,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.07811932265758514},{"word":"if","start":2720.875,"end":2721.0352,"confidence":0.99958473,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14640256762504578},{"word":"you","start":2721.0352,"end":2721.195,"confidence":0.9990946,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13246849179267883},{"word":"wanted","start":2721.195,"end":2721.435,"confidence":0.997239,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.14786000549793243},{"word":"to","start":2721.435,"end":2721.675,"confidence":0.9709757,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.1324845850467682},{"word":"i","start":2721.675,"end":2721.7551,"confidence":0.999884,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16631266474723816},{"word":"could","start":2721.7551,"end":2721.915,"confidence":0.90902156,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.17835284769535065},{"word":"look","start":2721.915,"end":2722.0752,"confidence":0.9997683,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13259774446487427},{"word":"at","start":2722.0752,"end":2722.235,"confidence":0.995366,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14114491641521454},{"word":"even","start":2722.235,"end":2722.475,"confidence":0.99838924,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.1692155748605728},{"word":"just","start":2722.475,"end":2722.635,"confidence":0.98324096,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17929470539093018},{"word":"halving","start":2722.635,"end":2722.955,"confidence":0.76085204,"punctuated_word":"halving","sentiment":"neutral","sentiment_score":0.16416093707084656},{"word":"the","start":2722.955,"end":2723.115,"confidence":0.98998,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02955131232738495},{"word":"insurances","start":2723.115,"end":2723.615,"confidence":0.905116,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.04298697412014008},{"word":"to","start":2723.7551,"end":2723.915,"confidence":0.88712466,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09553615748882294},{"word":"start","start":2723.915,"end":2724.155,"confidence":0.98310477,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.0852813571691513},{"word":"with","start":2724.155,"end":2724.3152,"confidence":0.8115294,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.12392140179872511},{"word":"and","start":2724.3152,"end":2724.475,"confidence":0.94534224,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11124598234891891},{"word":"we","start":2724.475,"end":2724.635,"confidence":0.9875101,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11318366974592207},{"word":"maybe","start":2724.635,"end":2724.875,"confidence":0.9256767,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.1271199733018875},{"word":"drop","start":2724.875,"end":2725.115,"confidence":0.98761356,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.08476342260837555},{"word":"it","start":2725.115,"end":2725.3552,"confidence":0.9988971,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04576236009597778},{"word":"to","start":2725.3552,"end":2725.435,"confidence":0.9973349,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04848351329565048},{"word":"250,000","start":2725.435,"end":2727.0352,"confidence":0.99743384,"punctuated_word":"250,000","sentiment":"neutral","sentiment_score":0.10332397371530531},{"word":"to","start":2727.0352,"end":2727.2751,"confidence":0.9990376,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1367450654506683},{"word":"give","start":2727.2751,"end":2727.435,"confidence":0.9999292,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1265130341053009},{"word":"you","start":2727.435,"end":2727.675,"confidence":0.99980074,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17002108693122864},{"word":"a","start":2727.675,"end":2727.8352,"confidence":0.99893886,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15181012451648712},{"word":"base","start":2727.8352,"end":2728.155,"confidence":0.9995869,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.14830490946769714},{"word":"level","start":2728.155,"end":2728.475,"confidence":0.99989414,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.18135635554790497},{"word":"of","start":2728.475,"end":2728.635,"confidence":0.99935347,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15734153985977173},{"word":"cover","start":2728.635,"end":2729.135,"confidence":0.93762213,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.1032111644744873},{"word":"and","start":2729.5151,"end":2729.7551,"confidence":0.9995436,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12432965636253356},{"word":"then","start":2729.7551,"end":2729.995,"confidence":0.99992347,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14115914702415466},{"word":"we","start":2729.995,"end":2730.155,"confidence":0.9998248,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12218942493200302},{"word":"could","start":2730.155,"end":2730.3152,"confidence":0.9997657,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.14813140034675598},{"word":"always","start":2730.3152,"end":2730.635,"confidence":0.99939084,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.17032167315483093},{"word":"look","start":2730.635,"end":2730.7952,"confidence":0.9988483,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11325844377279282},{"word":"to","start":2730.7952,"end":2730.955,"confidence":0.9979825,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11641770601272584},{"word":"reduce","start":2730.955,"end":2731.3552,"confidence":0.99969304,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.05636075884103775},{"word":"it","start":2731.3552,"end":2731.5151,"confidence":0.9985726,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.005659818649291992},{"word":"back","start":2731.5151,"end":2731.8352,"confidence":0.99797475,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.06174134090542793},{"word":"that","start":2731.8352,"end":2732.0752,"confidence":0.9993923,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1508287638425827},{"word":"would","start":2732.0752,"end":2732.235,"confidence":0.9997726,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.15882140398025513},{"word":"sort","start":2732.235,"end":2732.475,"confidence":0.99732226,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.14548468589782715},{"word":"of","start":2732.475,"end":2732.635,"confidence":0.54272145,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18064314126968384},{"word":"mean","start":2732.635,"end":2732.7952,"confidence":0.999411,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.1202741414308548},{"word":"that","start":2732.7952,"end":2733.0352,"confidence":0.99946254,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15782050788402557},{"word":"in","start":2733.0352,"end":2733.195,"confidence":0.9951999,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13713017106056213},{"word":"the","start":2733.195,"end":2733.3552,"confidence":0.9997024,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12230625748634338},{"word":"event","start":2733.3552,"end":2733.7551,"confidence":0.99324894,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.08622204512357712},{"word":"of","start":2733.7551,"end":2734.0752,"confidence":0.99937326,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.062309883534908295},{"word":"passing","start":2734.0752,"end":2734.5552,"confidence":0.8890654,"punctuated_word":"passing,","sentiment":"neutral","sentiment_score":0.0719900131225586},{"word":"if","start":2734.5552,"end":2734.715,"confidence":0.99962366,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13063248991966248},{"word":"you","start":2734.715,"end":2734.7952,"confidence":0.9997379,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10278680175542831},{"word":"had","start":2734.7952,"end":2735.115,"confidence":0.9873319,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1009337157011032},{"word":"$2.50","start":2735.115,"end":2735.82,"confidence":0.9973656,"punctuated_word":"$2.50","sentiment":"neutral","sentiment_score":0.08999425172805786},{"word":"and","start":2735.82,"end":2736.32,"confidence":0.9279911,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09838204830884932},{"word":"factoring","start":2737.6602,"end":2738.1401,"confidence":0.9995934,"punctuated_word":"factoring","sentiment":"neutral","sentiment_score":0.14015856385231018},{"word":"in","start":2738.1401,"end":2738.3,"confidence":0.9996611,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11205625534057616},{"word":"the","start":2738.3,"end":2738.3801,"confidence":0.9989587,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11450999975204468},{"word":"fact","start":2738.3801,"end":2738.54,"confidence":0.9987205,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":0.11885358393192293},{"word":"that","start":2738.54,"end":2738.7,"confidence":0.99927765,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13347576558589935},{"word":"you","start":2738.7,"end":2738.86,"confidence":0.99970007,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11568183451890944},{"word":"wanna","start":2738.86,"end":2739.1,"confidence":0.96381146,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.15604214370250702},{"word":"get","start":2739.1,"end":2739.34,"confidence":0.99930954,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15166130661964417},{"word":"that","start":2739.34,"end":2739.74,"confidence":0.9986124,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11016061156988144},{"word":"camper","start":2739.74,"end":2740.1401,"confidence":0.99449253,"punctuated_word":"camper","sentiment":"neutral","sentiment_score":0.10814094543457033},{"word":"as","start":2740.1401,"end":2740.3801,"confidence":0.9997981,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1733836829662323},{"word":"well","start":2740.3801,"end":2740.86,"confidence":0.74358666,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.13728171586990356},{"word":"so","start":2740.86,"end":2741.1,"confidence":0.9983542,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09359072148799896},{"word":"then","start":2741.1,"end":2741.5,"confidence":0.9947962,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09067663550376892},{"word":"say","start":2741.5,"end":2741.82,"confidence":0.65154874,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.0912458598613739},{"word":"it","start":2741.82,"end":2741.98,"confidence":0.8139761,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07506164163351059},{"word":"would","start":2741.98,"end":2742.3,"confidence":0.9998907,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.09005454927682877},{"word":"replace","start":2742.3,"end":2742.7,"confidence":0.99892175,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":0.04744546860456467},{"word":"the","start":2742.7,"end":2742.9402,"confidence":0.9344099,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05048616975545883},{"word":"100,000","start":2742.9402,"end":2743.76,"confidence":0.9957242,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.04231572896242142},{"word":"as","start":2743.82,"end":2744.06,"confidence":0.99648947,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06509700417518616},{"word":"a","start":2744.06,"end":2744.1401,"confidence":0.9893668,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.055623859167099},{"word":"max","start":2744.1401,"end":2744.6401,"confidence":0.56166637,"punctuated_word":"max","sentiment":"neutral","sentiment_score":0.060245003551244736},{"word":"on","start":2745.1802,"end":2745.34,"confidence":0.9976794,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.052359070628881454},{"word":"the","start":2745.34,"end":2745.58,"confidence":0.9987581,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024171030148863792},{"word":"loan","start":2745.58,"end":2745.9001,"confidence":0.9011745,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.030050449073314667},{"word":"if","start":2745.9001,"end":2745.98,"confidence":0.5070356,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12208248674869536},{"word":"you","start":2745.98,"end":2746.1401,"confidence":0.9993505,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10636524111032486},{"word":"redraw","start":2746.1401,"end":2746.62,"confidence":0.7498777,"punctuated_word":"redraw","sentiment":"neutral","sentiment_score":0.10542355477809906},{"word":"that","start":2746.62,"end":2746.86,"confidence":0.9935541,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07366690039634705},{"word":"off","start":2746.86,"end":2747.36,"confidence":0.76344717,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.06101487949490547},{"word":"plus","start":2747.9001,"end":2748.1401,"confidence":0.9199904,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.058310821652412415},{"word":"the","start":2748.1401,"end":2748.405,"confidence":0.8383967,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08434522897005081},{"word":"113,000","start":2748.485,"end":2749.865,"confidence":0.9474028,"punctuated_word":"113,000.","sentiment":"neutral","sentiment_score":0.06772741675376892},{"word":"that's","start":2750.805,"end":2751.205,"confidence":0.9992566,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08088032901287079},{"word":"$2.63","start":2751.205,"end":2752.485,"confidence":0.9831039,"punctuated_word":"$2.63.","sentiment":"neutral","sentiment_score":0.08363422006368637},{"word":"so","start":2752.485,"end":2752.985,"confidence":0.99946314,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10762391239404678},{"word":"the","start":2753.285,"end":2753.5251,"confidence":0.9984408,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13405093550682068},{"word":"$2.50","start":2753.5251,"end":2754.165,"confidence":0.99974746,"punctuated_word":"$2.50","sentiment":"neutral","sentiment_score":0.1373465061187744},{"word":"would","start":2754.165,"end":2754.405,"confidence":0.9997719,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11586913466453552},{"word":"cover","start":2754.405,"end":2754.905,"confidence":0.99991083,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.09833808988332748},{"word":"all","start":2755.845,"end":2756.085,"confidence":0.9968189,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1464063972234726},{"word":"your","start":2756.085,"end":2756.325,"confidence":0.99763525,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06644462794065475},{"word":"debts","start":2756.325,"end":2756.805,"confidence":0.9981345,"punctuated_word":"debts","sentiment":"neutral","sentiment_score":0.03190448507666588},{"word":"essentially","start":2756.805,"end":2757.305,"confidence":0.5507257,"punctuated_word":"essentially.","sentiment":"neutral","sentiment_score":0.06875202059745789},{"word":"10","start":2757.925,"end":2758.085,"confidence":0.9813969,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.06949727237224579},{"word":"yeah","start":2758.325,"end":2758.565,"confidence":0.8872437,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.09128324687480928},{"word":"there's","start":2758.565,"end":2758.805,"confidence":0.7080036,"punctuated_word":"There's,","sentiment":"neutral","sentiment_score":0.12410983443260191},{"word":"like","start":2758.805,"end":2759.125,"confidence":0.99164855,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11312900483608246},{"word":"just","start":2759.125,"end":2759.5251,"confidence":0.31086734,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12214607745409012},{"word":"a","start":2759.5251,"end":2759.685,"confidence":0.45055985,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11495056748390198},{"word":"13,000","start":2759.685,"end":2760.48,"confidence":0.78324604,"punctuated_word":"13,000","sentiment":"neutral","sentiment_score":0.07272392511367798},{"word":"left","start":2760.48,"end":2760.8,"confidence":0.6174523,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.09612685441970824},{"word":"over","start":2760.8,"end":2760.96,"confidence":0.9983193,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.09049984812736513},{"word":"to","start":2760.96,"end":2761.1199,"confidence":0.98951095,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08967731893062592},{"word":"maybe","start":2761.1199,"end":2761.44,"confidence":0.9959949,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.08919987082481384},{"word":"come","start":2761.44,"end":2761.6,"confidence":0.999819,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.12229380011558531},{"word":"out","start":2761.6,"end":2761.68,"confidence":0.99905556,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11056703329086304},{"word":"of","start":2761.68,"end":2761.76,"confidence":0.99557567,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09825368225574492},{"word":"your","start":2761.76,"end":2762.0,"confidence":0.9916448,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0987796038389206},{"word":"super","start":2762.0,"end":2762.32,"confidence":0.83913183,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.08932400494813919},{"word":"to","start":2762.32,"end":2762.48,"confidence":0.600528,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09052065014839172},{"word":"benefit","start":2762.48,"end":2762.96,"confidence":0.5609764,"punctuated_word":"benefit,","sentiment":"neutral","sentiment_score":0.09533534944057465},{"word":"but","start":2762.96,"end":2763.1199,"confidence":0.98826396,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.09554781764745712},{"word":"then","start":2763.1199,"end":2763.28,"confidence":0.9989109,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1451134979724884},{"word":"it","start":2763.28,"end":2763.44,"confidence":0.99855155,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14765624701976776},{"word":"means","start":2763.44,"end":2763.68,"confidence":0.9999045,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.10973484814167024},{"word":"that","start":2763.68,"end":2764.18,"confidence":0.9996872,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1462053805589676},{"word":"all","start":2764.8,"end":2765.04,"confidence":0.6166421,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17368818819522858},{"word":"of","start":2765.04,"end":2765.1199,"confidence":0.9095101,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16638138890266418},{"word":"the","start":2765.1199,"end":2765.3599,"confidence":0.998711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12888915836811066},{"word":"super","start":2765.3599,"end":2765.68,"confidence":0.9971944,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.17209407687187195},{"word":"can","start":2765.68,"end":2765.84,"confidence":0.999057,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1695288121700287},{"word":"be","start":2765.84,"end":2766.0,"confidence":0.99956745,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.20748580992221832},{"word":"paid","start":2766.0,"end":2766.24,"confidence":0.9998535,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.16063039004802704},{"word":"to","start":2766.24,"end":2766.48,"confidence":0.9992644,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18521621823310852},{"word":"lisa","start":2766.48,"end":2766.98,"confidence":0.9973443,"punctuated_word":"Lisa","sentiment":"neutral","sentiment_score":0.13284039497375488},{"word":"as","start":2767.76,"end":2768.08,"confidence":0.9182181,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19322022795677185},{"word":"a","start":2768.08,"end":2768.24,"confidence":0.9996581,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1786474883556366},{"word":"benefit","start":2768.24,"end":2768.72,"confidence":0.9997898,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.15704137086868286},{"word":"to","start":2768.72,"end":2768.96,"confidence":0.9891193,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24198542535305023},{"word":"sort","start":2768.96,"end":2769.1199,"confidence":0.9930565,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.23188157379627228},{"word":"of","start":2769.1199,"end":2769.28,"confidence":0.6018181,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28738248348236084},{"word":"help","start":2769.28,"end":2769.44,"confidence":0.99961936,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.2803623378276825},{"word":"her","start":2769.44,"end":2769.68,"confidence":0.9999001,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.2473058849573135},{"word":"along","start":2769.68,"end":2770.18,"confidence":0.99487406,"punctuated_word":"along.","sentiment":"neutral","sentiment_score":0.22918778657913208},{"word":"she","start":2770.8,"end":2770.96,"confidence":0.99928904,"punctuated_word":"She","sentiment":"neutral","sentiment_score":0.17801594734191897},{"word":"can","start":2770.96,"end":2771.2,"confidence":0.9976572,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.1872275322675705},{"word":"you","start":2771.2,"end":2771.28,"confidence":0.999912,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1814223676919937},{"word":"know","start":2771.28,"end":2771.52,"confidence":0.99994,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.19133639335632324},{"word":"put","start":2771.52,"end":2771.68,"confidence":0.9998129,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.18175417184829712},{"word":"it","start":2771.68,"end":2771.84,"confidence":0.99863523,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15427175164222717},{"word":"aside","start":2771.84,"end":2772.34,"confidence":0.9968238,"punctuated_word":"aside,","sentiment":"neutral","sentiment_score":0.16314849257469177},{"word":"invest","start":2772.4,"end":2772.8,"confidence":0.6059228,"punctuated_word":"invest,","sentiment":"neutral","sentiment_score":0.16623729467391968},{"word":"whatever","start":2772.8,"end":2773.2,"confidence":0.87247825,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.2252793163061142},{"word":"she","start":2773.2,"end":2773.3599,"confidence":0.9996537,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.1775532364845276},{"word":"wants","start":2773.3599,"end":2773.68,"confidence":0.99961346,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.19753247499465945},{"word":"to","start":2773.68,"end":2773.76,"confidence":0.9996648,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16997167468070984},{"word":"do","start":2773.76,"end":2774.205,"confidence":0.9983563,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.16380414366722107},{"word":"the","start":2774.925,"end":2775.165,"confidence":0.9440927,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.12476462125778198},{"word":"money","start":2775.165,"end":2775.665,"confidence":0.9997764,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.1305389106273651},{"word":"also","start":2775.965,"end":2776.2852,"confidence":0.8191932,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1436779499053955},{"word":"paid","start":2776.2852,"end":2776.5251,"confidence":0.9981927,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.133563831448555},{"word":"as","start":2776.5251,"end":2776.7651,"confidence":0.9992938,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1499536633491516},{"word":"a","start":2776.7651,"end":2776.845,"confidence":0.9987016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14544543623924255},{"word":"death","start":2776.845,"end":2777.085,"confidence":0.98963785,"punctuated_word":"death","sentiment":"neutral","sentiment_score":0.04745837301015854},{"word":"benefit","start":2777.085,"end":2777.485,"confidence":0.9966427,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.12201304733753204},{"word":"doesn't","start":2777.485,"end":2777.8052,"confidence":0.9641261,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.10124553740024568},{"word":"have","start":2777.8052,"end":2778.0452,"confidence":0.99922764,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11607930809259416},{"word":"to","start":2778.0452,"end":2778.205,"confidence":0.99811614,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0557548850774765},{"word":"be","start":2778.205,"end":2778.2852,"confidence":0.99256027,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04512942582368851},{"word":"paid","start":2778.2852,"end":2778.5251,"confidence":0.99960154,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.03681649267673493},{"word":"as","start":2778.5251,"end":2778.605,"confidence":0.9980781,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07986970245838165},{"word":"a","start":2778.605,"end":2778.7651,"confidence":0.9967744,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08909264951944351},{"word":"lump","start":2778.7651,"end":2779.085,"confidence":0.99991655,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.06042388826608658},{"word":"sum","start":2779.085,"end":2779.405,"confidence":0.9784132,"punctuated_word":"sum.","sentiment":"neutral","sentiment_score":0.12433235347270966},{"word":"so","start":2779.405,"end":2779.645,"confidence":0.9980203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13991394639015198},{"word":"the","start":2779.645,"end":2779.885,"confidence":0.9925828,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16241861879825592},{"word":"way","start":2779.885,"end":2780.385,"confidence":0.9980981,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.18694236874580383},{"word":"death","start":2781.085,"end":2781.245,"confidence":0.99009526,"punctuated_word":"death","sentiment":"neutral","sentiment_score":0.0956920087337494},{"word":"benefits","start":2781.245,"end":2781.745,"confidence":0.99402434,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":0.13741913437843323},{"word":"work","start":2781.8052,"end":2782.3052,"confidence":0.9984854,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.19969406723976135},{"word":"is","start":2782.685,"end":2782.925,"confidence":0.9860518,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15526992082595825},{"word":"if","start":2782.925,"end":2783.085,"confidence":0.98908806,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1529357135295868},{"word":"you","start":2783.085,"end":2783.245,"confidence":0.9993011,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11636339873075484},{"word":"were","start":2783.245,"end":2783.405,"confidence":0.9692858,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.13152405619621277},{"word":"to","start":2783.405,"end":2783.5652,"confidence":0.9979779,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09106386452913284},{"word":"pass","start":2783.5652,"end":2783.885,"confidence":0.9972025,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.07137753069400787},{"word":"away","start":2783.885,"end":2784.385,"confidence":0.99599683,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":0.11954667419195177},{"word":"we","start":2785.0051,"end":2785.165,"confidence":0.94794685,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17252303659915924},{"word":"help","start":2785.165,"end":2785.485,"confidence":0.99585766,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.1937400996685028},{"word":"with","start":2785.485,"end":2785.645,"confidence":0.99580646,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17440003156661987},{"word":"the","start":2785.645,"end":2785.885,"confidence":0.9926565,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1261579990386963},{"word":"claim","start":2785.885,"end":2786.365,"confidence":0.88601226,"punctuated_word":"claim,","sentiment":"neutral","sentiment_score":0.1266561597585678},{"word":"but","start":2786.365,"end":2786.605,"confidence":0.99336845,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16394168138504028},{"word":"then","start":2786.605,"end":2787.0051,"confidence":0.99384415,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1943071037530899},{"word":"you","start":2787.0051,"end":2787.39,"confidence":0.95260066,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2008802443742752},{"word":"get","start":2787.39,"end":2787.5498,"confidence":0.8321326,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1895065605640411},{"word":"the","start":2787.5498,"end":2787.71,"confidence":0.98332375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17252978682518005},{"word":"choice","start":2787.71,"end":2787.8699,"confidence":0.99903107,"punctuated_word":"choice","sentiment":"neutral","sentiment_score":0.1309172809123993},{"word":"of","start":2787.8699,"end":2788.0298,"confidence":0.99853086,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09789525717496872},{"word":"taking","start":2788.0298,"end":2788.43,"confidence":0.9997372,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.13540507853031158},{"word":"the","start":2788.43,"end":2788.67,"confidence":0.9949728,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09492158144712448},{"word":"money","start":2788.67,"end":2788.99,"confidence":0.99991834,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.07370132952928543},{"word":"out","start":2788.99,"end":2789.39,"confidence":0.9989544,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09948089718818665},{"word":"solely","start":2789.39,"end":2789.89,"confidence":0.9991248,"punctuated_word":"solely","sentiment":"neutral","sentiment_score":0.13461214303970337},{"word":"as","start":2790.0298,"end":2790.3499,"confidence":0.99978334,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12012599408626556},{"word":"a","start":2790.3499,"end":2790.5898,"confidence":0.9996773,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12456284463405608},{"word":"lump","start":2790.5898,"end":2790.8298,"confidence":0.99986017,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.10190287977457048},{"word":"sum","start":2790.8298,"end":2791.15,"confidence":0.99700505,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.11987566947937012},{"word":"benefit","start":2791.15,"end":2791.65,"confidence":0.85119927,"punctuated_word":"benefit,","sentiment":"neutral","sentiment_score":0.14661788940429688},{"word":"or","start":2791.8699,"end":2792.3699,"confidence":0.9986671,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07960247993469238},{"word":"it","start":2792.67,"end":2792.8298,"confidence":0.998901,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15947943925857544},{"word":"can","start":2792.8298,"end":2793.0698,"confidence":0.9995735,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09384800493717194},{"word":"stay","start":2793.0698,"end":2793.3098,"confidence":0.9952598,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.11991651356220244},{"word":"in","start":2793.3098,"end":2793.47,"confidence":0.9994636,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12017768621444702},{"word":"the","start":2793.47,"end":2793.63,"confidence":0.9564635,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15332019329071045},{"word":"super","start":2793.63,"end":2793.95,"confidence":0.924805,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.17997828125953674},{"word":"system","start":2793.95,"end":2794.45,"confidence":0.794405,"punctuated_word":"system,","sentiment":"neutral","sentiment_score":0.17914694547653198},{"word":"and","start":2794.51,"end":2794.67,"confidence":0.99919456,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14496973156929016},{"word":"it","start":2794.67,"end":2794.8298,"confidence":0.999824,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21605437994003296},{"word":"goes","start":2794.8298,"end":2795.15,"confidence":0.99983096,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.22074024379253387},{"word":"into","start":2795.15,"end":2795.63,"confidence":0.9989808,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2171437442302704},{"word":"a","start":2795.63,"end":2796.13,"confidence":0.9997557,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19134056568145752},{"word":"a","start":2796.2698,"end":2796.3499,"confidence":0.6574262,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1824636161327362},{"word":"death","start":2796.3499,"end":2796.67,"confidence":0.97897094,"punctuated_word":"death","sentiment":"neutral","sentiment_score":0.12016502022743224},{"word":"benefit","start":2796.67,"end":2797.17,"confidence":0.99956065,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.17679420113563538},{"word":"for","start":2797.3098,"end":2797.47,"confidence":0.9996611,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2521882951259613},{"word":"you","start":2797.47,"end":2797.71,"confidence":0.999848,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1958962380886078},{"word":"as","start":2797.71,"end":2797.8699,"confidence":0.999731,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20976854860782623},{"word":"a","start":2797.8699,"end":2798.0298,"confidence":0.9991635,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.174473375082016},{"word":"pension","start":2798.0298,"end":2798.5298,"confidence":0.9805434,"punctuated_word":"pension.","sentiment":"neutral","sentiment_score":0.15494711697101593},{"word":"and","start":2799.15,"end":2799.39,"confidence":0.996763,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15474432706832886},{"word":"you","start":2799.39,"end":2799.5498,"confidence":0.99980086,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21103429794311523},{"word":"can","start":2799.5498,"end":2799.7898,"confidence":0.9998313,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21596744656562805},{"word":"be","start":2799.7898,"end":2799.95,"confidence":0.99110305,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.26478642225265503},{"word":"drawing","start":2799.95,"end":2800.2698,"confidence":0.9885124,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":0.21540567278862},{"word":"that","start":2800.2698,"end":2800.51,"confidence":0.99951434,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.160691499710083},{"word":"money","start":2800.51,"end":2800.8298,"confidence":0.99992085,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.1416912078857422},{"word":"out","start":2800.8298,"end":2801.3298,"confidence":0.997253,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.22773107886314392},{"word":"of","start":2801.785,"end":2801.865,"confidence":0.998485,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2046416848897934},{"word":"the","start":2801.865,"end":2802.025,"confidence":0.99885285,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1814730614423752},{"word":"pension","start":2802.025,"end":2802.425,"confidence":0.9996346,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.11378240585327148},{"word":"on","start":2802.425,"end":2802.585,"confidence":0.999757,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2392793595790863},{"word":"a","start":2802.585,"end":2802.665,"confidence":0.9994873,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2612568140029907},{"word":"regular","start":2802.665,"end":2803.065,"confidence":0.9999751,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.2773876488208771},{"word":"basis","start":2803.065,"end":2803.465,"confidence":0.9994848,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.25777360796928406},{"word":"as","start":2803.465,"end":2803.785,"confidence":0.99732935,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27307552099227905},{"word":"regular","start":2803.785,"end":2804.265,"confidence":0.9896032,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.27255669236183167},{"word":"income","start":2804.265,"end":2804.585,"confidence":0.9998845,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.2098851501941681},{"word":"and","start":2804.585,"end":2804.825,"confidence":0.9883609,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2364976704120636},{"word":"keep","start":2804.825,"end":2805.065,"confidence":0.99763465,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.25742629170417786},{"word":"it","start":2805.065,"end":2805.305,"confidence":0.999054,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.27654707431793213},{"word":"invested","start":2805.305,"end":2805.805,"confidence":0.99850565,"punctuated_word":"invested.","sentiment":"neutral","sentiment_score":0.05897512659430504},{"word":"so","start":2805.945,"end":2806.265,"confidence":0.9995685,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.047482460737228394},{"word":"if","start":2806.265,"end":2806.665,"confidence":0.9987087,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.01778401806950569},{"word":"one","start":2806.665,"end":2806.905,"confidence":0.9294113,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.02503345161676407},{"word":"of","start":2806.905,"end":2806.985,"confidence":0.9951827,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02662567049264908},{"word":"you","start":2806.985,"end":2807.225,"confidence":0.9983095,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008734151721000671},{"word":"would","start":2807.225,"end":2807.385,"confidence":0.5884168,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.05230018496513367},{"word":"have","start":2807.385,"end":2807.465,"confidence":0.7718726,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1010308712720871},{"word":"passed","start":2807.465,"end":2807.785,"confidence":0.9942263,"punctuated_word":"passed","sentiment":"neutral","sentiment_score":-0.2383224070072174},{"word":"away","start":2807.785,"end":2808.285,"confidence":0.99679214,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":-0.1402287781238556},{"word":"that's","start":2808.985,"end":2809.305,"confidence":0.9780363,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.01612248085439205},{"word":"how","start":2809.305,"end":2809.545,"confidence":0.99984646,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.0005788356065750122},{"word":"your","start":2809.545,"end":2809.865,"confidence":0.9744145,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16410145163536072},{"word":"super","start":2809.865,"end":2810.105,"confidence":0.9657906,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.24537275731563568},{"word":"benefit","start":2810.105,"end":2810.605,"confidence":0.9952278,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.24841341376304624},{"word":"can","start":2810.665,"end":2810.905,"confidence":0.99977285,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19214147329330444},{"word":"be","start":2810.905,"end":2811.065,"confidence":0.9997744,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.20927326381206512},{"word":"paid","start":2811.065,"end":2811.385,"confidence":0.9964906,"punctuated_word":"paid.","sentiment":"neutral","sentiment_score":0.15025994181632996},{"word":"you","start":2811.385,"end":2811.545,"confidence":0.96218896,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.22749942541122437},{"word":"get","start":2811.545,"end":2811.785,"confidence":0.9978655,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2296813428401947},{"word":"options","start":2811.785,"end":2812.185,"confidence":0.99974865,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.17575642466545105},{"word":"on","start":2812.185,"end":2812.425,"confidence":0.9991291,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3260960876941681},{"word":"how","start":2812.425,"end":2812.665,"confidence":0.9991903,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.2808520793914795},{"word":"you","start":2812.665,"end":2812.825,"confidence":0.99939704,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29341810941696167},{"word":"wanna","start":2812.825,"end":2813.145,"confidence":0.9937257,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.32618874311447144},{"word":"do","start":2813.145,"end":2813.305,"confidence":0.99909115,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2637813091278076},{"word":"it","start":2813.305,"end":2813.625,"confidence":0.98769814,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.278327614068985},{"word":"and","start":2813.625,"end":2813.945,"confidence":0.9992472,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21232029795646667},{"word":"we","start":2813.945,"end":2814.105,"confidence":0.9992995,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24576452374458313},{"word":"will","start":2814.105,"end":2814.345,"confidence":0.9984849,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.25091180205345154},{"word":"help","start":2814.345,"end":2814.585,"confidence":0.9972836,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.34951215982437134},{"word":"provide","start":2814.585,"end":2815.08,"confidence":0.99650466,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.34640559554100037},{"word":"advice","start":2815.1602,"end":2815.48,"confidence":0.9674945,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.31004443764686584},{"word":"on","start":2815.48,"end":2815.56,"confidence":0.99735093,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3122349977493286},{"word":"how","start":2815.56,"end":2816.06,"confidence":0.90165937,"punctuated_word":"how,","sentiment":"neutral","sentiment_score":0.24863511323928833},{"word":"obviously","start":2816.12,"end":2816.52,"confidence":0.9986032,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.23807337880134585},{"word":"to","start":2816.52,"end":2816.76,"confidence":0.9949385,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26055416464805603},{"word":"help","start":2816.76,"end":2817.26,"confidence":0.9999137,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.2642005681991577},{"word":"keep","start":2817.32,"end":2817.56,"confidence":0.9813084,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2584131956100464},{"word":"it","start":2817.56,"end":2817.72,"confidence":0.9656908,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.31203117966651917},{"word":"invested","start":2817.72,"end":2818.22,"confidence":0.997012,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.258953332901001},{"word":"your","start":2818.36,"end":2818.52,"confidence":0.6128403,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2585063576698303},{"word":"income","start":2818.52,"end":2819.0,"confidence":0.83687085,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.2689739465713501},{"word":"or","start":2819.0,"end":2819.24,"confidence":0.99957603,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.19862286746501925},{"word":"you","start":2819.24,"end":2819.32,"confidence":0.9997873,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17883630096912384},{"word":"can","start":2819.32,"end":2819.56,"confidence":0.9997192,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16660873591899872},{"word":"just","start":2819.56,"end":2819.72,"confidence":0.9972262,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1598903238773346},{"word":"take","start":2819.72,"end":2819.96,"confidence":0.9995351,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.20894478261470795},{"word":"it","start":2819.96,"end":2820.04,"confidence":0.9973667,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20407111942768097},{"word":"as","start":2820.04,"end":2820.2002,"confidence":0.99807066,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15214693546295166},{"word":"a","start":2820.2002,"end":2820.28,"confidence":0.9922814,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16896671056747437},{"word":"lump","start":2820.28,"end":2820.52,"confidence":0.9972639,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.12402967363595964},{"word":"sum","start":2820.52,"end":2820.76,"confidence":0.9967079,"punctuated_word":"sum.","sentiment":"neutral","sentiment_score":0.13571473956108093},{"word":"it's","start":2820.76,"end":2821.0,"confidence":0.99962413,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1092713102698326},{"word":"completely","start":2821.0,"end":2821.48,"confidence":0.9996025,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.13082201778888702},{"word":"up","start":2821.48,"end":2821.6401,"confidence":0.9998337,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14248330891132355},{"word":"to","start":2821.6401,"end":2821.8,"confidence":0.9987055,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13730359077453613},{"word":"you","start":2821.8,"end":2822.3,"confidence":0.91154873,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.09429708123207092},{"word":"but","start":2822.84,"end":2823.08,"confidence":0.67706865,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.154251366853714},{"word":"that's","start":2823.08,"end":2823.32,"confidence":0.9998088,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.219883531332016},{"word":"generally","start":2823.32,"end":2823.8,"confidence":0.99534166,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.2469528168439865},{"word":"how","start":2823.8,"end":2824.3,"confidence":0.99943763,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.17669226229190826},{"word":"they","start":2824.36,"end":2824.6,"confidence":0.9986386,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2150898277759552},{"word":"work","start":2824.6,"end":2825.1,"confidence":0.99882853,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.2209702879190445},{"word":"yeah","start":2826.12,"end":2826.62,"confidence":0.90164936,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06699894368648529},{"word":"yes","start":2831.4648,"end":2831.9648,"confidence":0.9375745,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12407704442739488},{"word":"mhmm","start":2840.265,"end":2840.61,"confidence":0.9852897,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.04583168774843216},{"word":"yep","start":2846.6902,"end":2847.1902,"confidence":0.9858935,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.004330586642026901},{"word":"yep","start":2852.29,"end":2852.79,"confidence":0.98863816,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0619758777320385},{"word":"that's","start":2853.01,"end":2853.25,"confidence":0.9770604,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.18196456134319303},{"word":"okay","start":2853.25,"end":2853.585,"confidence":0.97755027,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2688341736793518},{"word":"yep","start":2857.505,"end":2858.005,"confidence":0.8333397,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15229693055152893},{"word":"yep","start":2862.705,"end":2863.205,"confidence":0.95383745,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.001989357173442841},{"word":"i","start":2874.04,"end":2874.12,"confidence":0.74319714,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0070282332599163055},{"word":"can","start":2874.12,"end":2874.28,"confidence":0.99827003,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.016003187745809555},{"word":"look","start":2874.28,"end":2874.52,"confidence":0.9995647,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0067651718854904175},{"word":"at","start":2874.52,"end":2874.6,"confidence":0.99774444,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01716887578368187},{"word":"both","start":2874.6,"end":2874.84,"confidence":0.99884427,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.0024417489767074585},{"word":"if","start":2874.84,"end":2875.08,"confidence":0.9251862,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.006798991933465004},{"word":"you","start":2875.08,"end":2875.24,"confidence":0.99986815,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012452561408281326},{"word":"like","start":2875.24,"end":2875.6401,"confidence":0.98134947,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":-0.0024923309683799744},{"word":"what","start":2875.6401,"end":2875.8,"confidence":0.9992976,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.013880141079425812},{"word":"i","start":2875.8,"end":2875.96,"confidence":0.9996049,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006354067474603653},{"word":"could","start":2875.96,"end":2876.2,"confidence":0.9982109,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.016387969255447388},{"word":"do","start":2876.2,"end":2876.6,"confidence":0.999151,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0013386234641075134},{"word":"to","start":2876.6,"end":2876.84,"confidence":0.9970444,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.005507908761501312},{"word":"assess","start":2876.84,"end":2877.24,"confidence":0.9949067,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.002810552716255188},{"word":"it","start":2877.24,"end":2877.48,"confidence":0.9896068,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01363442838191986},{"word":"is","start":2877.48,"end":2877.72,"confidence":0.99762696,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.013171527534723282},{"word":"i","start":2877.72,"end":2877.8,"confidence":0.9936475,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.008000761270523071},{"word":"can","start":2877.8,"end":2877.96,"confidence":0.99966764,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.000667281448841095},{"word":"look","start":2877.96,"end":2878.2,"confidence":0.9993986,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.006512165069580078},{"word":"at","start":2878.2,"end":2878.4402,"confidence":0.9985078,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02098410576581955},{"word":"halving","start":2878.4402,"end":2878.76,"confidence":0.8942349,"punctuated_word":"halving","sentiment":"neutral","sentiment_score":-0.002757905749604106},{"word":"it","start":2878.76,"end":2879.26,"confidence":0.89455426,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.01592262275516987},{"word":"because","start":2879.56,"end":2879.96,"confidence":0.6548166,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.01627817004919052},{"word":"at","start":2879.96,"end":2880.04,"confidence":0.89436233,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.032703809440135956},{"word":"the","start":2880.04,"end":2880.2,"confidence":0.99949944,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.012375731021165848},{"word":"moment","start":2880.2,"end":2880.52,"confidence":0.9332857,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.01296110451221466},{"word":"because","start":2880.52,"end":2880.76,"confidence":0.9981627,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.011054933071136476},{"word":"your","start":2880.76,"end":2880.9202,"confidence":0.73066527,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.022866860032081604},{"word":"income","start":2880.9202,"end":2881.32,"confidence":0.9961916,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.016493581235408783},{"word":"protection","start":2881.32,"end":2881.725,"confidence":0.9495941,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.0016034170985221865},{"word":"is","start":2881.965,"end":2882.205,"confidence":0.9993486,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0033038705587387085},{"word":"together","start":2882.205,"end":2882.5251,"confidence":0.99434316,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":0.03092585876584053},{"word":"you","start":2882.5251,"end":2882.7651,"confidence":0.99979836,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08776834607124329},{"word":"get","start":2882.7651,"end":2882.925,"confidence":0.99545056,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08910011500120163},{"word":"the","start":2882.925,"end":2883.0852,"confidence":0.9988657,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04294104129076004},{"word":"multi","start":2883.0852,"end":2883.485,"confidence":0.7849255,"punctuated_word":"multi","sentiment":"neutral","sentiment_score":0.04702138900756836},{"word":"policy","start":2883.485,"end":2883.965,"confidence":0.99810374,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.010082878172397614},{"word":"discount","start":2883.965,"end":2884.365,"confidence":0.92416394,"punctuated_word":"discount.","sentiment":"neutral","sentiment_score":0.01296032965183258},{"word":"so","start":2884.365,"end":2884.5251,"confidence":0.99880743,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013968545943498611},{"word":"i'll","start":2884.5251,"end":2884.685,"confidence":0.9996996,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.01505468599498272},{"word":"look","start":2884.685,"end":2884.925,"confidence":0.99970007,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.013743355870246887},{"word":"at","start":2884.925,"end":2885.165,"confidence":0.9993801,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0055132173001766205},{"word":"halving","start":2885.165,"end":2885.485,"confidence":0.98383665,"punctuated_word":"halving","sentiment":"neutral","sentiment_score":0.015971090644598007},{"word":"the","start":2885.485,"end":2885.645,"confidence":0.8310628,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02123120613396168},{"word":"policy","start":2885.645,"end":2886.0452,"confidence":0.99971384,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.03411203995347023},{"word":"to","start":2886.0452,"end":2886.2852,"confidence":0.9464106,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.019178733229637143},{"word":"$2.50","start":2886.2852,"end":2886.945,"confidence":0.93815416,"punctuated_word":"$2.50,","sentiment":"neutral","sentiment_score":-0.017818216234445572},{"word":"but","start":2887.405,"end":2887.485,"confidence":0.95867866,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.01906862296164036},{"word":"then","start":2887.485,"end":2887.725,"confidence":0.99925643,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.02704446204006672},{"word":"i'll","start":2887.725,"end":2887.885,"confidence":0.99144787,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.08703228086233139},{"word":"also","start":2887.885,"end":2888.205,"confidence":0.9991628,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.08945334702730179},{"word":"look","start":2888.205,"end":2888.365,"confidence":0.9993974,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.09427373111248016},{"word":"at","start":2888.365,"end":2888.685,"confidence":0.99969983,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1577088087797165},{"word":"canceling","start":2888.685,"end":2889.0852,"confidence":0.92767715,"punctuated_word":"canceling","sentiment":"neutral","sentiment_score":-0.15665969252586365},{"word":"it","start":2889.0852,"end":2889.3252,"confidence":0.9460683,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.13024494051933289},{"word":"if","start":2889.3252,"end":2889.485,"confidence":0.99732757,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.1737014800310135},{"word":"it","start":2889.485,"end":2889.725,"confidence":0.99916995,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2004321962594986},{"word":"makes","start":2889.725,"end":2889.965,"confidence":0.996509,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.183016300201416},{"word":"your","start":2889.965,"end":2890.125,"confidence":0.85954297,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.15247824788093567},{"word":"income","start":2890.125,"end":2890.365,"confidence":0.999595,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.16626212000846863},{"word":"protection","start":2890.365,"end":2890.865,"confidence":0.9990538,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.12059762328863144},{"word":"more","start":2891.0051,"end":2891.3252,"confidence":0.99904114,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.17053160071372986},{"word":"expensive","start":2891.3252,"end":2891.8052,"confidence":0.9959895,"punctuated_word":"expensive","sentiment":"neutral","sentiment_score":-0.17808708548545835},{"word":"because","start":2891.8052,"end":2892.0452,"confidence":0.6741008,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2085556834936142},{"word":"it","start":2892.0452,"end":2892.205,"confidence":0.99672794,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2181386500597},{"word":"can","start":2892.205,"end":2892.705,"confidence":0.9954752,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":-0.20252400636672976},{"word":"i'll","start":2893.165,"end":2893.3252,"confidence":0.99247146,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.24040375649929047},{"word":"keep","start":2893.3252,"end":2893.5652,"confidence":0.9972947,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.20107144117355347},{"word":"the","start":2893.5652,"end":2893.95,"confidence":0.93381464,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21410219371318817},{"word":"there","start":2894.19,"end":2894.69,"confidence":0.8519264,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.16501182317733765},{"word":"if","start":2894.91,"end":2895.07,"confidence":0.9370168,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.007952183485031128},{"word":"i","start":2895.07,"end":2895.23,"confidence":0.9959637,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.004794735461473465},{"word":"assess","start":2895.23,"end":2895.71,"confidence":0.99271774,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.0014417096972465515},{"word":"everything","start":2895.71,"end":2896.19,"confidence":0.9993668,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.03667403757572174},{"word":"and","start":2896.19,"end":2896.43,"confidence":0.9287961,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07849116623401642},{"word":"it's","start":2896.43,"end":2896.67,"confidence":0.99972427,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.16591805219650269},{"word":"better","start":2896.67,"end":2896.99,"confidence":0.9989656,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.24325087666511536},{"word":"to","start":2896.99,"end":2897.23,"confidence":0.998345,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1653090864419937},{"word":"cancel","start":2897.23,"end":2897.63,"confidence":0.9997011,"punctuated_word":"cancel","sentiment":"neutral","sentiment_score":-0.2550033628940582},{"word":"a","start":2897.63,"end":2897.79,"confidence":0.6221732,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18067459762096405},{"word":"life","start":2897.79,"end":2897.95,"confidence":0.9850974,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.17785876989364624},{"word":"and","start":2897.95,"end":2898.19,"confidence":0.6247837,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.14432348310947418},{"word":"tpd","start":2898.19,"end":2898.69,"confidence":0.90435195,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":-0.08551669120788574},{"word":"the","start":2898.8298,"end":2898.99,"confidence":0.9984823,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11017733067274094},{"word":"income","start":2898.99,"end":2899.31,"confidence":0.9996113,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.13450348377227783},{"word":"protection","start":2899.31,"end":2899.79,"confidence":0.99871266,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.047608181834220886},{"word":"doesn't","start":2899.79,"end":2900.1099,"confidence":0.99975187,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.09575950354337692},{"word":"go","start":2900.1099,"end":2900.3499,"confidence":0.9995122,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.20617356896400452},{"word":"up","start":2900.3499,"end":2900.5898,"confidence":0.9997558,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.25949257612228394},{"word":"as","start":2900.5898,"end":2900.91,"confidence":0.9995726,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1337262988090515},{"word":"crazy","start":2900.91,"end":2901.41,"confidence":0.897918,"punctuated_word":"crazy,","sentiment":"neutral","sentiment_score":-0.12419520318508148},{"word":"and","start":2901.63,"end":2901.8699,"confidence":0.99831676,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02733428031206131},{"word":"this","start":2901.8699,"end":2902.1099,"confidence":0.99953914,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.02110116183757782},{"word":"also","start":2902.1099,"end":2902.43,"confidence":0.9967771,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06529070436954498},{"word":"helps","start":2902.43,"end":2902.75,"confidence":0.9993117,"punctuated_word":"helps","sentiment":"neutral","sentiment_score":0.10200739651918413},{"word":"your","start":2902.75,"end":2903.07,"confidence":0.9967705,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11336548626422882},{"word":"super","start":2903.07,"end":2903.31,"confidence":0.8751342,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1704942286014557},{"word":"balance","start":2903.31,"end":2903.81,"confidence":0.9392112,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.07300116121768951},{"word":"projected","start":2903.95,"end":2904.45,"confidence":0.99195576,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.1355063021183014},{"word":"forward","start":2904.51,"end":2905.01,"confidence":0.9764223,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.09168989956378935},{"word":"then","start":2905.63,"end":2905.8699,"confidence":0.9893727,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09993849694728851},{"word":"i","start":2905.8699,"end":2906.03,"confidence":0.99954164,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.003779381513595581},{"word":"can","start":2906.03,"end":2906.19,"confidence":0.9940242,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.02520840615034103},{"word":"always","start":2906.19,"end":2906.5898,"confidence":0.999483,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.02919745445251465},{"word":"look","start":2906.5898,"end":2906.8298,"confidence":0.9959196,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.04015928506851196},{"word":"to","start":2906.8298,"end":2906.99,"confidence":0.99845076,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03298415243625641},{"word":"cancel","start":2906.99,"end":2907.31,"confidence":0.9991543,"punctuated_word":"cancel","sentiment":"neutral","sentiment_score":-0.1272311508655548},{"word":"it","start":2907.31,"end":2907.47,"confidence":0.9016505,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06769943237304688},{"word":"and","start":2907.47,"end":2907.63,"confidence":0.99932146,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.038678959012031555},{"word":"justify","start":2907.63,"end":2908.1099,"confidence":0.99785066,"punctuated_word":"justify","sentiment":"neutral","sentiment_score":-0.0475870668888092},{"word":"that","start":2908.1099,"end":2908.3499,"confidence":0.99858737,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04217498004436493},{"word":"for","start":2908.3499,"end":2908.51,"confidence":0.99867874,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.021373718976974487},{"word":"you","start":2908.51,"end":2908.67,"confidence":0.9993608,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.00003935769200325012},{"word":"does","start":2908.67,"end":2908.91,"confidence":0.9948368,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0772780328989029},{"word":"that","start":2908.91,"end":2909.07,"confidence":0.99923277,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10366610437631608},{"word":"sound","start":2909.07,"end":2909.31,"confidence":0.9976708,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.06083488091826439},{"word":"okay","start":2909.31,"end":2909.625,"confidence":0.99331313,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.14266124367713928},{"word":"yep","start":2910.585,"end":2911.085,"confidence":0.88411033,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.36383914947509766},{"word":"beautiful","start":2911.545,"end":2912.045,"confidence":0.99973905,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6544743776321411},{"word":"i'll","start":2912.585,"end":2912.825,"confidence":0.9963472,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.29156923294067383},{"word":"assess","start":2912.825,"end":2913.325,"confidence":0.99656796,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.224454328417778},{"word":"both","start":2913.385,"end":2913.705,"confidence":0.98428094,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.20208854973316193},{"word":"options","start":2913.705,"end":2914.205,"confidence":0.9991542,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.11707507073879242},{"word":"and","start":2914.265,"end":2914.425,"confidence":0.97582054,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10883960127830504},{"word":"let","start":2914.425,"end":2914.585,"confidence":0.9999126,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.15171046555042267},{"word":"you","start":2914.585,"end":2914.745,"confidence":0.9995857,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.153035506606102},{"word":"know","start":2914.745,"end":2915.065,"confidence":0.99982786,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.186994269490242},{"word":"how","start":2915.065,"end":2915.305,"confidence":0.99833715,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1357513666152954},{"word":"we","start":2915.305,"end":2915.545,"confidence":0.99321693,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1480812281370163},{"word":"how","start":2915.625,"end":2915.785,"confidence":0.9997795,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1342824548482895},{"word":"it","start":2915.785,"end":2915.945,"confidence":0.9996019,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1438116580247879},{"word":"looks","start":2915.945,"end":2916.265,"confidence":0.9995453,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.10877148061990738},{"word":"in","start":2916.265,"end":2916.425,"confidence":0.982969,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1819985955953598},{"word":"the","start":2916.425,"end":2916.505,"confidence":0.9997379,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17693915963172913},{"word":"advice","start":2916.505,"end":2916.905,"confidence":0.94396913,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1365293711423874},{"word":"document","start":2916.905,"end":2917.405,"confidence":0.99545217,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.1358075737953186},{"word":"what","start":2917.865,"end":2918.025,"confidence":0.99880874,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.03545093163847923},{"word":"i'll","start":2918.025,"end":2918.265,"confidence":0.99810123,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04517523944377899},{"word":"do","start":2918.265,"end":2918.425,"confidence":0.99991107,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05616556480526924},{"word":"in","start":2918.425,"end":2918.585,"confidence":0.79709965,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05412529036402702},{"word":"the","start":2918.585,"end":2918.745,"confidence":0.9998714,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06043042242527008},{"word":"advice","start":2918.745,"end":2919.145,"confidence":0.99081343,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.0449436753988266},{"word":"document","start":2919.145,"end":2919.545,"confidence":0.99731946,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.0957363098859787},{"word":"i'll","start":2919.545,"end":2919.785,"confidence":0.99989367,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09569114446640016},{"word":"put","start":2919.785,"end":2919.945,"confidence":0.9998784,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.08657827973365784},{"word":"down","start":2919.945,"end":2920.265,"confidence":0.99923074,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.13362091779708862},{"word":"what","start":2920.265,"end":2920.425,"confidence":0.99702185,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06859610974788666},{"word":"i'm","start":2920.425,"end":2920.585,"confidence":0.9997867,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05938762426376343},{"word":"recommending","start":2920.585,"end":2921.085,"confidence":0.99988234,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.05444478988647461},{"word":"we","start":2921.225,"end":2921.465,"confidence":0.960282,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05407034605741501},{"word":"do","start":2921.465,"end":2921.705,"confidence":0.9865553,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.07263745367527008},{"word":"how","start":2921.705,"end":2921.945,"confidence":0.99969363,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06559727340936661},{"word":"and","start":2921.945,"end":2922.185,"confidence":0.98829544,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0717853531241417},{"word":"why","start":2922.185,"end":2922.505,"confidence":0.99941194,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.022844430059194565},{"word":"the","start":2922.505,"end":2922.665,"confidence":0.9539731,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.040314383804798126},{"word":"risks","start":2922.665,"end":2923.165,"confidence":0.7766191,"punctuated_word":"risks,","sentiment":"neutral","sentiment_score":0.020258940756320953},{"word":"disadvantages","start":2923.225,"end":2923.725,"confidence":0.8164373,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":0.02441290020942688},{"word":"as","start":2924.6,"end":2924.84,"confidence":0.858717,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09241703152656557},{"word":"advantages","start":2924.84,"end":2925.34,"confidence":0.842161,"punctuated_word":"advantages","sentiment":"neutral","sentiment_score":0.0335024818778038},{"word":"as","start":2925.4,"end":2925.48,"confidence":0.9979457,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0903828740119934},{"word":"well","start":2925.48,"end":2925.72,"confidence":0.97289634,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09075991809368134},{"word":"and","start":2925.72,"end":2925.8801,"confidence":0.9991295,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05369345843791962},{"word":"then","start":2925.8801,"end":2926.04,"confidence":0.9996916,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.059631042182445526},{"word":"in","start":2926.04,"end":2926.28,"confidence":0.9988483,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06507603079080582},{"word":"the","start":2926.28,"end":2926.78,"confidence":0.9997875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06783130019903183},{"word":"appendix","start":2927.24,"end":2927.74,"confidence":0.94817424,"punctuated_word":"appendix,","sentiment":"neutral","sentiment_score":0.05146181583404541},{"word":"i","start":2927.8,"end":2927.96,"confidence":0.99981946,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07275784015655518},{"word":"can","start":2927.96,"end":2928.04,"confidence":0.99985063,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06729279458522797},{"word":"put","start":2928.04,"end":2928.28,"confidence":0.9998117,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.05961005762219429},{"word":"the","start":2928.28,"end":2928.36,"confidence":0.99963045,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06591293960809708},{"word":"other","start":2928.36,"end":2928.68,"confidence":0.9998901,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.05533812195062637},{"word":"alternative","start":2928.68,"end":2929.18,"confidence":0.9959651,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.03660697489976883},{"word":"for","start":2929.24,"end":2929.4,"confidence":0.9995437,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07913205772638321},{"word":"you","start":2929.4,"end":2929.72,"confidence":0.9998672,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.060747891664505005},{"word":"so","start":2929.72,"end":2929.96,"confidence":0.9085839,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0676412433385849},{"word":"you","start":2929.96,"end":2930.04,"confidence":0.99987936,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08316190540790558},{"word":"can","start":2930.04,"end":2930.28,"confidence":0.99968636,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08690852671861649},{"word":"see","start":2930.28,"end":2930.44,"confidence":0.9991848,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09257393330335616},{"word":"the","start":2930.44,"end":2930.6,"confidence":0.9993093,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.057149965316057205},{"word":"difference","start":2930.6,"end":2931.1,"confidence":0.99768645,"punctuated_word":"difference.","sentiment":"neutral","sentiment_score":0.05450989305973053},{"word":"does","start":2931.6401,"end":2931.8801,"confidence":0.8164835,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.13525031507015228},{"word":"that","start":2931.8801,"end":2932.04,"confidence":0.9998591,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25768446922302246},{"word":"sound","start":2932.04,"end":2932.28,"confidence":0.9996039,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.25575363636016846},{"word":"okay","start":2932.28,"end":2932.76,"confidence":0.9996985,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.13239312171936035},{"word":"yep","start":2932.76,"end":2933.26,"confidence":0.74037397,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1716710329055786},{"word":"fantastic","start":2934.44,"end":2934.94,"confidence":0.9870713,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6963093280792236},{"word":"beautiful","start":2936.6,"end":2937.1,"confidence":0.99879503,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6901873350143433},{"word":"and","start":2938.145,"end":2938.385,"confidence":0.89729595,"punctuated_word":"And,","sentiment":"positive","sentiment_score":0.4274250566959381},{"word":"lisa","start":2938.385,"end":2938.705,"confidence":0.9946837,"punctuated_word":"Lisa,","sentiment":"positive","sentiment_score":0.3568100929260254},{"word":"you","start":2938.705,"end":2938.945,"confidence":0.99986327,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29255959391593933},{"word":"may","start":2938.945,"end":2939.025,"confidence":0.54232585,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.25617578625679016},{"word":"mention","start":2939.025,"end":2939.425,"confidence":0.6768162,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.2244584709405899},{"word":"you're","start":2939.425,"end":2939.665,"confidence":0.9955729,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.26206228137016296},{"word":"happy","start":2939.665,"end":2939.905,"confidence":0.9998739,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2524973750114441},{"word":"with","start":2939.905,"end":2940.145,"confidence":0.9999002,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.34634146094322205},{"word":"the","start":2940.145,"end":2940.2249,"confidence":0.99791044,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3797550201416016},{"word":"life","start":2940.2249,"end":2940.545,"confidence":0.7603592,"punctuated_word":"life","sentiment":"positive","sentiment_score":0.4411378502845764},{"word":"and","start":2940.545,"end":2940.625,"confidence":0.91048163,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3913644552230835},{"word":"tpd","start":2940.625,"end":2941.125,"confidence":0.6740181,"punctuated_word":"TPD,","sentiment":"positive","sentiment_score":0.35481828451156616},{"word":"the","start":2941.425,"end":2941.7449,"confidence":0.9623401,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3939441442489624},{"word":"the","start":2941.7449,"end":2941.825,"confidence":0.9907368,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3897037208080292},{"word":"amount","start":2941.825,"end":2942.2249,"confidence":0.99598503,"punctuated_word":"amount","sentiment":"positive","sentiment_score":0.3986565470695496},{"word":"you","start":2942.2249,"end":2942.385,"confidence":0.99957055,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.152396097779274},{"word":"have","start":2942.385,"end":2942.545,"confidence":0.9999043,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1625482589006424},{"word":"within","start":2942.545,"end":2942.865,"confidence":0.9167615,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.22381450235843656},{"word":"brighter","start":2942.865,"end":2943.185,"confidence":0.6988315,"punctuated_word":"Brighter","sentiment":"neutral","sentiment_score":0.2589918076992035},{"word":"super","start":2943.185,"end":2943.505,"confidence":0.8377236,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.31637993454933167},{"word":"because","start":2943.505,"end":2943.825,"confidence":0.42671275,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1754581779241562},{"word":"you've","start":2943.825,"end":2943.9849,"confidence":0.999501,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.20574995875358584},{"word":"also","start":2943.9849,"end":2944.305,"confidence":0.9996439,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1770891696214676},{"word":"got","start":2944.305,"end":2944.465,"confidence":0.9997576,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2291761338710785},{"word":"your","start":2944.465,"end":2944.705,"confidence":0.99802244,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20539236068725583},{"word":"q","start":2944.705,"end":2945.025,"confidence":0.5723987,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.2252996861934662},{"word":"super","start":2945.025,"end":2945.345,"confidence":0.63417184,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1991045773029327},{"word":"defined","start":2945.345,"end":2945.825,"confidence":0.9735433,"punctuated_word":"defined","sentiment":"neutral","sentiment_score":0.24290384352207184},{"word":"benefits","start":2945.825,"end":2946.305,"confidence":0.61484987,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":0.13051563501358032},{"word":"still","start":2946.305,"end":2946.625,"confidence":0.8680254,"punctuated_word":"still,","sentiment":"neutral","sentiment_score":0.18522390723228457},{"word":"and","start":2946.625,"end":2946.865,"confidence":0.99956375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16249175369739532},{"word":"that","start":2946.865,"end":2947.185,"confidence":0.9998753,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17456282675266266},{"word":"does","start":2947.185,"end":2947.585,"confidence":0.99967635,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.15468740463256836},{"word":"pay","start":2947.585,"end":2947.7449,"confidence":0.9917971,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.13429708778858185},{"word":"out","start":2947.7449,"end":2947.9849,"confidence":0.96556425,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14846377074718475},{"word":"a","start":2947.9849,"end":2948.065,"confidence":0.99304366,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15146562457084656},{"word":"lump","start":2948.065,"end":2948.385,"confidence":0.9995809,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.1542523056268692},{"word":"sum","start":2948.385,"end":2948.625,"confidence":0.6703173,"punctuated_word":"sum.","sentiment":"neutral","sentiment_score":0.14642368257045746},{"word":"or","start":2948.625,"end":2948.865,"confidence":0.97802794,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.1009669229388237},{"word":"it","start":2948.865,"end":2949.025,"confidence":0.9986053,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13105550408363342},{"word":"pays","start":2949.025,"end":2949.265,"confidence":0.99889624,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.09609568119049072},{"word":"that","start":2949.265,"end":2949.505,"confidence":0.4608466,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12990859150886536},{"word":"either","start":2949.505,"end":2949.665,"confidence":0.99682164,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.1076965183019638},{"word":"a","start":2949.665,"end":2949.7449,"confidence":0.99334055,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13477665185928345},{"word":"lump","start":2949.7449,"end":2949.9849,"confidence":0.9999882,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.1031714379787445},{"word":"sum","start":2949.9849,"end":2950.145,"confidence":0.9997607,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.13426676392555237},{"word":"or","start":2950.145,"end":2950.305,"confidence":0.998928,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.13637985289096832},{"word":"an","start":2950.305,"end":2950.465,"confidence":0.9969901,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15986846387386322},{"word":"income","start":2950.465,"end":2950.785,"confidence":0.9993868,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1347912847995758},{"word":"stream","start":2950.785,"end":2951.025,"confidence":0.9986343,"punctuated_word":"stream","sentiment":"neutral","sentiment_score":0.1542131006717682},{"word":"in","start":2951.025,"end":2951.185,"confidence":0.999474,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15227824449539185},{"word":"the","start":2951.185,"end":2951.345,"confidence":0.9991007,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15650907158851624},{"word":"event","start":2951.345,"end":2951.585,"confidence":0.9978175,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.16985991597175598},{"word":"of","start":2951.585,"end":2951.665,"confidence":0.9991315,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14196133613586426},{"word":"your","start":2951.665,"end":2951.9849,"confidence":0.9845926,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1269092559814453},{"word":"passing","start":2951.9849,"end":2952.4849,"confidence":0.8076974,"punctuated_word":"passing.","sentiment":"neutral","sentiment_score":0.14759571850299835},{"word":"and","start":2952.7898,"end":2953.0298,"confidence":0.9799085,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.103271484375},{"word":"that","start":2953.0298,"end":2953.1099,"confidence":0.9992143,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13496315479278564},{"word":"can","start":2953.1099,"end":2953.3499,"confidence":0.99963987,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11883806437253952},{"word":"definitely","start":2953.3499,"end":2953.67,"confidence":0.9995239,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.3367443084716797},{"word":"go","start":2953.67,"end":2953.8298,"confidence":0.99862635,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.28220680356025696},{"word":"to","start":2953.8298,"end":2954.0698,"confidence":0.9967559,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28312918543815613},{"word":"scott","start":2954.0698,"end":2954.3098,"confidence":0.9971097,"punctuated_word":"Scott","sentiment":"neutral","sentiment_score":0.2941381335258484},{"word":"there","start":2954.3098,"end":2954.47,"confidence":0.9962289,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.24772679805755615},{"word":"as","start":2954.47,"end":2954.63,"confidence":0.99987054,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2958511412143707},{"word":"well","start":2954.63,"end":2955.0298,"confidence":0.9328409,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.3019446134567261},{"word":"so","start":2955.0298,"end":2955.2698,"confidence":0.9986749,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4295568168163299},{"word":"your","start":2955.2698,"end":2955.5898,"confidence":0.9931344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5808870196342468},{"word":"super","start":2955.5898,"end":2955.8298,"confidence":0.90816754,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.5520495176315308},{"word":"balance","start":2955.8298,"end":2956.15,"confidence":0.96487767,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.4809512794017792},{"word":"is","start":2956.15,"end":2956.39,"confidence":0.99645835,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5208251476287842},{"word":"pretty","start":2956.39,"end":2956.8699,"confidence":0.99983,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5597826242446899},{"word":"pretty","start":2956.8699,"end":2957.1099,"confidence":0.8483302,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5120706558227539},{"word":"nice","start":2957.1099,"end":2957.43,"confidence":0.9990037,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.5181919932365417},{"word":"between","start":2957.43,"end":2957.75,"confidence":0.9996152,"punctuated_word":"between","sentiment":"positive","sentiment_score":0.4743858575820923},{"word":"the","start":2957.75,"end":2957.91,"confidence":0.9953112,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3639623820781708},{"word":"two","start":2957.91,"end":2958.15,"confidence":0.8620924,"punctuated_word":"two,","sentiment":"positive","sentiment_score":0.3437882661819458},{"word":"and","start":2958.15,"end":2958.3098,"confidence":0.9998272,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4450445771217346},{"word":"that","start":2958.3098,"end":2958.5498,"confidence":0.9980482,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6509770750999451},{"word":"defined","start":2958.5498,"end":2958.95,"confidence":0.9700946,"punctuated_word":"defined","sentiment":"positive","sentiment_score":0.6776276230812073},{"word":"benefit","start":2958.95,"end":2959.3499,"confidence":0.99933916,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.5599709749221802},{"word":"is","start":2959.3499,"end":2959.5898,"confidence":0.99861336,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6750028729438782},{"word":"beautiful","start":2959.5898,"end":2960.0898,"confidence":0.9993711,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.6628434062004089},{"word":"as","start":2960.15,"end":2960.3098,"confidence":0.9996859,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.511492908000946},{"word":"well","start":2960.3098,"end":2960.63,"confidence":0.9997896,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3754398822784424},{"word":"are","start":2960.63,"end":2960.7898,"confidence":0.9994748,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.15631677210330963},{"word":"you","start":2960.7898,"end":2961.0298,"confidence":0.9992454,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18782946467399597},{"word":"happy","start":2961.0298,"end":2961.3499,"confidence":0.9997832,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.13424156606197357},{"word":"just","start":2961.3499,"end":2961.5898,"confidence":0.9651594,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1810029000043869},{"word":"for","start":2961.5898,"end":2961.67,"confidence":0.4810194,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17034024000167847},{"word":"that","start":2961.67,"end":2961.8298,"confidence":0.99074966,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19950298964977264},{"word":"life","start":2961.8298,"end":2962.0698,"confidence":0.6121832,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.238242968916893},{"word":"and","start":2962.0698,"end":2962.23,"confidence":0.9214917,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20800837874412537},{"word":"t","start":2962.23,"end":2962.39,"confidence":0.66250795,"punctuated_word":"t","sentiment":"neutral","sentiment_score":0.29886165261268616},{"word":"tpd","start":2962.7898,"end":2963.2898,"confidence":0.65306515,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.1647641658782959},{"word":"amount","start":2963.3499,"end":2963.8499,"confidence":0.99669254,"punctuated_word":"amount?","sentiment":"neutral","sentiment_score":0.1612827181816101},{"word":"yep","start":2965.67,"end":2966.17,"confidence":0.87254375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14472511410713196},{"word":"beautiful","start":2966.23,"end":2966.73,"confidence":0.9990145,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.3218070864677429},{"word":"having","start":2967.5098,"end":2967.8298,"confidence":0.957737,"punctuated_word":"Having","sentiment":"neutral","sentiment_score":0.1278318464756012},{"word":"a","start":2967.8298,"end":2967.91,"confidence":0.97600573,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09665153175592422},{"word":"look","start":2967.91,"end":2968.275,"confidence":0.98935217,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09411733597517014},{"word":"the","start":2968.355,"end":2968.595,"confidence":0.9962664,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07029223442077637},{"word":"last","start":2968.595,"end":2969.095,"confidence":0.99980515,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02421884983778},{"word":"advice","start":2969.2349,"end":2969.7349,"confidence":0.7468532,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.040930792689323425},{"word":"piece","start":2969.795,"end":2970.035,"confidence":0.6569573,"punctuated_word":"piece","sentiment":"neutral","sentiment_score":0.012624450027942656},{"word":"we","start":2970.035,"end":2970.275,"confidence":0.9992403,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03184669464826584},{"word":"had","start":2970.275,"end":2970.775,"confidence":0.99945074,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.01967603340744972},{"word":"just","start":2970.9148,"end":2971.1548,"confidence":0.8111346,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.035106003284454346},{"word":"with","start":2971.1548,"end":2971.315,"confidence":0.7848524,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.050505131483078},{"word":"the","start":2971.315,"end":2971.4749,"confidence":0.99694556,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05739952623844147},{"word":"balances","start":2971.4749,"end":2971.9548,"confidence":0.93523574,"punctuated_word":"balances,","sentiment":"neutral","sentiment_score":0.04115433990955353},{"word":"and","start":2971.9548,"end":2972.115,"confidence":0.9933628,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014924496412277222},{"word":"they","start":2972.115,"end":2972.275,"confidence":0.9599899,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.013007402420043944},{"word":"definitely","start":2972.275,"end":2972.595,"confidence":0.99958044,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.05993939936161041},{"word":"could","start":2972.595,"end":2972.755,"confidence":0.9988213,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.06572748720645905},{"word":"have","start":2972.755,"end":2972.9148,"confidence":0.8344605,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.049173612147569656},{"word":"changed","start":2972.9148,"end":2973.2349,"confidence":0.99692035,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.004403460770845413},{"word":"since","start":2973.2349,"end":2973.555,"confidence":0.3462658,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.01820116490125656},{"word":"then","start":2973.555,"end":2973.635,"confidence":0.8651769,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.02617078274488449},{"word":"so","start":2973.635,"end":2973.875,"confidence":0.9559983,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04332570731639862},{"word":"i","start":2973.875,"end":2973.9548,"confidence":0.99474275,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03799699246883392},{"word":"will","start":2973.9548,"end":2974.1948,"confidence":0.99966836,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.04400063306093216},{"word":"get","start":2974.1948,"end":2974.6748,"confidence":0.99990475,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03354431688785553},{"word":"some","start":2974.6748,"end":2974.9148,"confidence":0.9639643,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.01103905588388443},{"word":"updated","start":2974.9148,"end":2975.395,"confidence":0.9929535,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.030386650934815407},{"word":"statements","start":2975.395,"end":2975.795,"confidence":0.9948979,"punctuated_word":"statements","sentiment":"neutral","sentiment_score":0.03375539928674698},{"word":"if","start":2975.795,"end":2976.035,"confidence":0.65289646,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04980490356683731},{"word":"that's","start":2976.035,"end":2976.275,"confidence":0.999968,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06023981422185898},{"word":"okay","start":2976.275,"end":2976.6748,"confidence":0.9997334,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.05899053439497948},{"word":"just","start":2976.6748,"end":2976.9148,"confidence":0.75440013,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07638968527317047},{"word":"with","start":2976.9148,"end":2977.075,"confidence":0.701578,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0676177516579628},{"word":"the","start":2977.075,"end":2977.575,"confidence":0.9993585,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07254353910684586},{"word":"amounts","start":2978.275,"end":2978.775,"confidence":0.88887304,"punctuated_word":"amounts","sentiment":"neutral","sentiment_score":0.047957926988601685},{"word":"as","start":2978.835,"end":2978.9949,"confidence":0.9952603,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06548229604959488},{"word":"well","start":2978.9949,"end":2979.315,"confidence":0.99984515,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.07021532207727432},{"word":"as","start":2979.315,"end":2979.7148,"confidence":0.9988763,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06075338646769523},{"word":"the","start":2979.7148,"end":2980.2148,"confidence":0.99497414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05559542775154114},{"word":"insurance","start":2981.0498,"end":2981.5298,"confidence":0.99947864,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.04234214127063751},{"word":"benefit","start":2981.5298,"end":2982.0298,"confidence":0.9992267,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.0278865210711956},{"word":"amounts","start":2982.0898,"end":2982.5898,"confidence":0.67206013,"punctuated_word":"amounts.","sentiment":"neutral","sentiment_score":0.023799430578947067},{"word":"but","start":2982.89,"end":2983.3699,"confidence":0.9981669,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.010046832263469696},{"word":"the","start":2983.3699,"end":2983.8699,"confidence":0.99970394,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005677131935954094},{"word":"amount","start":2984.01,"end":2984.41,"confidence":0.9994535,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.004548227414488792},{"word":"we","start":2984.41,"end":2984.65,"confidence":0.99955684,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.008409341797232628},{"word":"had","start":2984.65,"end":2985.15,"confidence":0.9996511,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.006172770634293556},{"word":"within","start":2985.21,"end":2985.5298,"confidence":0.9914145,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.022735824808478355},{"word":"brighter","start":2985.5298,"end":2985.93,"confidence":0.8166995,"punctuated_word":"Brighter","sentiment":"neutral","sentiment_score":0.035802341997623444},{"word":"super","start":2985.93,"end":2986.3298,"confidence":0.93848616,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.05714847147464752},{"word":"at","start":2986.3298,"end":2986.5698,"confidence":0.9913223,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.013884644955396652},{"word":"the","start":2986.5698,"end":2986.65,"confidence":0.99932694,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03151987865567207},{"word":"time","start":2986.65,"end":2986.89,"confidence":0.9998264,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.0343412384390831},{"word":"of","start":2986.89,"end":2987.0498,"confidence":0.99260837,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03760272264480591},{"word":"the","start":2987.0498,"end":2987.13,"confidence":0.9988036,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04116767644882202},{"word":"last","start":2987.13,"end":2987.45,"confidence":0.9917275,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02658567391335964},{"word":"device","start":2987.45,"end":2987.77,"confidence":0.9233948,"punctuated_word":"device","sentiment":"neutral","sentiment_score":0.03876255825161934},{"word":"was","start":2987.77,"end":2988.01,"confidence":0.6397649,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.018401244655251503},{"word":"about","start":2988.01,"end":2988.25,"confidence":0.99884605,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01800774782896042},{"word":"$481,007.91","start":2988.25,"end":2991.39,"confidence":0.9907415,"punctuated_word":"$481,007.91.","sentiment":"neutral","sentiment_score":0.017293550074100494},{"word":"and","start":2991.93,"end":2992.17,"confidence":0.9971558,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.00376699585467577},{"word":"then","start":2992.17,"end":2992.5698,"confidence":0.99943143,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.007323513738811016},{"word":"in","start":2992.5698,"end":2992.8098,"confidence":0.9961175,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.013221598230302334},{"word":"that","start":2992.8098,"end":2993.3098,"confidence":0.99175316,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.015453923493623734},{"word":"sorry","start":2994.285,"end":2994.525,"confidence":0.81099343,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.027647092938423157},{"word":"you're","start":2994.525,"end":2994.685,"confidence":0.9774638,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.0023031155578792095},{"word":"right","start":2994.685,"end":2995.185,"confidence":0.6741388,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.014926566742360592},{"word":"beautiful","start":3000.925,"end":3001.425,"confidence":0.88788164,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3905163705348969},{"word":"and","start":3002.525,"end":3002.765,"confidence":0.703691,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3077526390552521},{"word":"the","start":3002.765,"end":3002.925,"confidence":0.9994636,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3828093707561493},{"word":"q","start":3002.925,"end":3003.2449,"confidence":0.4993879,"punctuated_word":"q","sentiment":"positive","sentiment_score":0.3445006012916565},{"word":"super","start":3003.2449,"end":3003.565,"confidence":0.76461786,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2751033902168274},{"word":"balance","start":3003.565,"end":3004.065,"confidence":0.990739,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.25997596979141235},{"word":"was","start":3004.125,"end":3004.605,"confidence":0.999858,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.32979077100753784},{"word":"quite","start":3004.605,"end":3004.925,"confidence":0.9997813,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.3006984293460846},{"word":"nice","start":3004.925,"end":3005.2449,"confidence":0.99988174,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.3302425444126129},{"word":"as","start":3005.2449,"end":3005.43,"confidence":0.9992893,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21953541040420532},{"word":"well","start":3005.5898,"end":3005.91,"confidence":0.8715172,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1655481457710266},{"word":"but","start":3005.91,"end":3006.3098,"confidence":0.99812406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.01875465363264084},{"word":"do","start":3006.3098,"end":3006.47,"confidence":0.99859923,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0035551320761442184},{"word":"you","start":3006.47,"end":3006.55,"confidence":0.9996811,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008395254611968994},{"word":"know","start":3006.55,"end":3006.8699,"confidence":0.99945694,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.001863846555352211},{"word":"what","start":3006.8699,"end":3007.19,"confidence":0.99941826,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.007512344047427177},{"word":"the","start":3007.19,"end":3007.27,"confidence":0.5175489,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003486616536974907},{"word":"what","start":3007.75,"end":3007.99,"confidence":0.9987558,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.010210111737251282},{"word":"that","start":3007.99,"end":3008.15,"confidence":0.9964728,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0007712729275226593},{"word":"would","start":3008.15,"end":3008.39,"confidence":0.9987588,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.004729792475700378},{"word":"have","start":3008.39,"end":3008.63,"confidence":0.74855465,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.003002356737852097},{"word":"indexed","start":3008.63,"end":3009.13,"confidence":0.9613059,"punctuated_word":"indexed","sentiment":"neutral","sentiment_score":0.01716749556362629},{"word":"to","start":3009.19,"end":3009.51,"confidence":0.9812542,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0017150193452835083},{"word":"or","start":3009.51,"end":3009.67,"confidence":0.9378762,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0042562056332826614},{"word":"increased","start":3009.67,"end":3010.17,"confidence":0.9685814,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":0.013687904924154282},{"word":"to","start":3010.3098,"end":3010.55,"confidence":0.9240615,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.000536872074007988},{"word":"since","start":3010.55,"end":3011.05,"confidence":0.98269504,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.00006029009819030762},{"word":"that's","start":3014.15,"end":3014.55,"confidence":0.9558288,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.013760512694716454},{"word":"okay","start":3014.55,"end":3015.05,"confidence":0.9713054,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.07942713052034378},{"word":"we","start":3017.43,"end":3017.67,"confidence":0.591588,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.038649626076221466},{"word":"had","start":3017.67,"end":3017.91,"confidence":0.959658,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.021764053031802177},{"word":"one","start":3017.91,"end":3018.15,"confidence":0.9996171,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.005918675102293491},{"word":"forty","start":3018.15,"end":3018.55,"confidence":0.9974687,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":-0.006579892709851265},{"word":"two","start":3018.55,"end":3018.8699,"confidence":0.9463582,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.005276203155517578},{"word":"six","start":3018.8699,"end":3019.1099,"confidence":0.9918359,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.003164439462125302},{"word":"seven","start":3019.1099,"end":3019.51,"confidence":0.9785088,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.0008742716163396835},{"word":"four","start":3019.51,"end":3019.67,"confidence":0.99917835,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.004769265651702881},{"word":"in","start":3019.67,"end":3019.8298,"confidence":0.9984244,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0038657784461975098},{"word":"there","start":3019.8298,"end":3020.0698,"confidence":0.8984128,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0061810798943042755},{"word":"last","start":3020.0698,"end":3020.39,"confidence":0.99882525,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.01434960961341858},{"word":"time","start":3020.39,"end":3020.89,"confidence":0.99506,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.007594900205731392},{"word":"and","start":3025.185,"end":3025.425,"confidence":0.97465444,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.017130207270383835},{"word":"41¢","start":3025.425,"end":3026.565,"confidence":0.9974339,"punctuated_word":"41¢."},{"word":"beautiful","start":3026.625,"end":3027.125,"confidence":0.99937963,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4518311619758606},{"word":"that's","start":3028.785,"end":3029.105,"confidence":0.9982297,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4826342463493347},{"word":"indexed","start":3029.105,"end":3029.505,"confidence":0.9447415,"punctuated_word":"indexed","sentiment":"positive","sentiment_score":0.5345179438591003},{"word":"quite","start":3029.505,"end":3029.825,"confidence":0.99938285,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.4860058128833771},{"word":"nicely","start":3029.825,"end":3030.325,"confidence":0.99974215,"punctuated_word":"nicely.","sentiment":"positive","sentiment_score":0.4628320634365082},{"word":"that's","start":3030.385,"end":3030.625,"confidence":0.9994675,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.681830883026123},{"word":"fantastic","start":3030.625,"end":3031.125,"confidence":0.9997927,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.658672571182251},{"word":"love","start":3031.7449,"end":3032.065,"confidence":0.9942274,"punctuated_word":"Love","sentiment":"positive","sentiment_score":0.5575767755508423},{"word":"that","start":3032.065,"end":3032.565,"confidence":0.9970243,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.36956900358200073},{"word":"beautiful","start":3033.825,"end":3034.325,"confidence":0.9901099,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.14649058878421783},{"word":"it","start":3036.1902,"end":3036.35,"confidence":0.99701935,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.02672591432929039},{"word":"is","start":3036.35,"end":3036.6702,"confidence":0.9998141,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04848267510533333},{"word":"absolutely","start":3036.6702,"end":3037.1501,"confidence":0.5932424,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.09301917254924774},{"word":"so","start":3037.3901,"end":3037.55,"confidence":0.9837202,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07417913526296616},{"word":"both","start":3037.55,"end":3037.79,"confidence":0.9981481,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.04050230234861374},{"word":"of","start":3037.79,"end":3037.9502,"confidence":0.98752767,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0536845363676548},{"word":"those","start":3037.9502,"end":3038.4502,"confidence":0.9597259,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.06804607808589935},{"word":"combined","start":3038.75,"end":3039.25,"confidence":0.83668005,"punctuated_word":"combined.","sentiment":"neutral","sentiment_score":0.06613412499427795},{"word":"yeah","start":3041.79,"end":3042.29,"confidence":0.9078129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.001515847630798817},{"word":"so","start":3042.83,"end":3043.07,"confidence":0.9932051,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.023237481713294983},{"word":"with","start":3043.07,"end":3043.31,"confidence":0.99906975,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.024605682119727135},{"word":"the","start":3043.31,"end":3043.55,"confidence":0.9790404,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01031971164047718},{"word":"defined","start":3043.55,"end":3043.9502,"confidence":0.9543473,"punctuated_word":"defined","sentiment":"neutral","sentiment_score":0.012881383299827576},{"word":"benefit","start":3043.9502,"end":3044.4502,"confidence":0.95513403,"punctuated_word":"benefit,","sentiment":"neutral","sentiment_score":-0.007376324385404587},{"word":"that","start":3044.51,"end":3044.75,"confidence":0.9997166,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.018019329756498337},{"word":"essentially","start":3044.75,"end":3045.25,"confidence":0.95923567,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.002765355631709099},{"word":"is","start":3046.1902,"end":3046.4302,"confidence":0.78979564,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.009340757504105568},{"word":"as","start":3046.9102,"end":3047.1501,"confidence":0.99504143,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.012373708188533785},{"word":"we","start":3047.1501,"end":3047.23,"confidence":0.20489551,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01761956326663494},{"word":"recommended","start":3047.23,"end":3047.73,"confidence":0.9722214,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.012945806607604029},{"word":"before","start":3047.79,"end":3048.1902,"confidence":0.98935527,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":-0.007787974551320076},{"word":"i","start":3048.1902,"end":3048.27,"confidence":0.99889237,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07799814641475677},{"word":"will","start":3048.27,"end":3048.51,"confidence":0.99950826,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.06860772520303726},{"word":"not","start":3048.51,"end":3048.75,"confidence":0.99831414,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07938552647829056},{"word":"change","start":3048.75,"end":3049.095,"confidence":0.9944278,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.09473151713609695},{"word":"or","start":3049.175,"end":3049.415,"confidence":0.99724704,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08759281039237976},{"word":"move","start":3049.415,"end":3049.4949,"confidence":0.9992791,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.06747052073478699},{"word":"that","start":3049.4949,"end":3049.7349,"confidence":0.9977107,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.062467049807310104},{"word":"in","start":3049.7349,"end":3049.895,"confidence":0.9995553,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08470571786165237},{"word":"any","start":3049.895,"end":3050.135,"confidence":0.9987148,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.013552255928516388},{"word":"way","start":3050.135,"end":3050.295,"confidence":0.9937755,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.021560408174991608},{"word":"it","start":3050.295,"end":3050.455,"confidence":0.982405,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.04043862223625183},{"word":"will","start":3050.455,"end":3050.695,"confidence":0.99822384,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.02310191839933395},{"word":"just","start":3050.695,"end":3050.935,"confidence":0.9897428,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.009531311690807344},{"word":"stay","start":3050.935,"end":3051.175,"confidence":0.9332829,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.043644919991493225},{"word":"where","start":3051.175,"end":3051.335,"confidence":0.99978095,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.056339330971241},{"word":"it","start":3051.335,"end":3051.415,"confidence":0.9992094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06765808165073395},{"word":"is","start":3051.415,"end":3051.655,"confidence":0.99990857,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04384952038526535},{"word":"for","start":3051.655,"end":3051.7349,"confidence":0.9368456,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05252622067928314},{"word":"the","start":3051.7349,"end":3051.895,"confidence":0.99526006,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05321504548192024},{"word":"time","start":3051.895,"end":3052.135,"confidence":0.9997111,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.04846275597810745},{"word":"being","start":3052.135,"end":3052.635,"confidence":0.9652991,"punctuated_word":"being.","sentiment":"neutral","sentiment_score":0.03837094455957413},{"word":"but","start":3053.015,"end":3053.255,"confidence":0.7863321,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.031873077154159546},{"word":"as","start":3053.255,"end":3053.415,"confidence":0.99975187,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06317323446273804},{"word":"things","start":3053.415,"end":3053.895,"confidence":0.9996619,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.04758857190608978},{"word":"change","start":3053.895,"end":3054.215,"confidence":0.9996432,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.05603710561990738},{"word":"as","start":3054.215,"end":3054.455,"confidence":0.8180943,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07833091169595718},{"word":"you","start":3054.455,"end":3054.535,"confidence":0.8794458,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05759025365114212},{"word":"get","start":3054.535,"end":3054.775,"confidence":0.9993932,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0398804172873497},{"word":"older","start":3054.775,"end":3055.095,"confidence":0.9997588,"punctuated_word":"older","sentiment":"neutral","sentiment_score":0.03656063228845596},{"word":"and","start":3055.095,"end":3055.255,"confidence":0.91037387,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04776750877499581},{"word":"we're","start":3055.255,"end":3055.4949,"confidence":0.9984632,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07950962334871292},{"word":"able","start":3055.4949,"end":3055.7349,"confidence":0.9998747,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.11146526783704758},{"word":"to","start":3055.7349,"end":3055.895,"confidence":0.99962175,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0969623476266861},{"word":"look","start":3055.895,"end":3056.055,"confidence":0.99961793,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08111585676670074},{"word":"at","start":3056.055,"end":3056.215,"confidence":0.99907887,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04876643046736717},{"word":"moving","start":3056.215,"end":3056.455,"confidence":0.99972993,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.036512602120637894},{"word":"it","start":3056.455,"end":3056.615,"confidence":0.9696387,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.05043831467628479},{"word":"we'll","start":3056.615,"end":3056.775,"confidence":0.9984865,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.07578642666339874},{"word":"assess","start":3056.775,"end":3057.175,"confidence":0.99816895,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.0928621143102646},{"word":"whether","start":3057.175,"end":3057.4949,"confidence":0.9970703,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.0696830302476883},{"word":"keeping","start":3057.4949,"end":3057.815,"confidence":0.99604344,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.02638554573059082},{"word":"it","start":3057.815,"end":3057.9749,"confidence":0.9921864,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0331386998295784},{"word":"there","start":3057.9749,"end":3058.215,"confidence":0.9933964,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.045399151742458344},{"word":"or","start":3058.215,"end":3058.375,"confidence":0.8100442,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09145379066467284},{"word":"moving","start":3058.375,"end":3058.695,"confidence":0.9994808,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.052126772701740265},{"word":"it","start":3058.695,"end":3058.855,"confidence":0.9912066,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07473762333393097},{"word":"and","start":3058.855,"end":3059.015,"confidence":0.98796785,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08888158202171326},{"word":"combining","start":3059.015,"end":3059.4949,"confidence":0.998966,"punctuated_word":"combining","sentiment":"neutral","sentiment_score":0.12593089044094086},{"word":"it","start":3059.4949,"end":3059.7349,"confidence":0.9927545,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17327028512954712},{"word":"works","start":3059.7349,"end":3059.9749,"confidence":0.9959726,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.18713529407978055},{"word":"better","start":3059.9749,"end":3060.295,"confidence":0.99934953,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.13230162858963013},{"word":"for","start":3060.295,"end":3060.535,"confidence":0.9996859,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15679441392421722},{"word":"you","start":3060.535,"end":3061.035,"confidence":0.9989875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10192251205444336},{"word":"and","start":3062.215,"end":3062.375,"confidence":0.7167681,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07695731520652771},{"word":"look","start":3062.375,"end":3062.535,"confidence":0.9960336,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0842294692993164},{"word":"at","start":3062.535,"end":3062.97,"confidence":0.9800589,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.05570868402719498},{"word":"you","start":3063.05,"end":3063.13,"confidence":0.9993606,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017294183373451233},{"word":"know","start":3063.13,"end":3063.29,"confidence":0.9998419,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.035011421889066696},{"word":"how","start":3063.29,"end":3063.45,"confidence":0.9998913,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.0015431419014930723},{"word":"that","start":3063.45,"end":3063.69,"confidence":0.99929416,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03594529628753662},{"word":"affects","start":3063.69,"end":3064.01,"confidence":0.9745635,"punctuated_word":"affects","sentiment":"neutral","sentiment_score":0.02844809740781784},{"word":"your","start":3064.01,"end":3064.17,"confidence":0.9538928,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02222326397895813},{"word":"super","start":3064.17,"end":3064.49,"confidence":0.61525923,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.07026956975460052},{"word":"but","start":3064.49,"end":3064.65,"confidence":0.9963911,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.12379425764083862},{"word":"for","start":3064.65,"end":3064.89,"confidence":0.9490214,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16916799545288086},{"word":"the","start":3064.89,"end":3064.97,"confidence":0.9994425,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19390085339546204},{"word":"moment","start":3064.97,"end":3065.29,"confidence":0.97685325,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.19839023053646088},{"word":"keeping","start":3065.29,"end":3065.6099,"confidence":0.9923544,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.2705390751361847},{"word":"that","start":3065.6099,"end":3065.8499,"confidence":0.9686068,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32993003726005554},{"word":"exactly","start":3065.8499,"end":3066.25,"confidence":0.9972051,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.30663979053497314},{"word":"where","start":3066.25,"end":3066.41,"confidence":0.9995701,"punctuated_word":"where","sentiment":"positive","sentiment_score":0.341275691986084},{"word":"it","start":3066.41,"end":3066.49,"confidence":0.99968195,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3246837258338928},{"word":"is","start":3066.49,"end":3066.73,"confidence":0.91069114,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.3056541681289673},{"word":"that","start":3066.73,"end":3066.89,"confidence":0.99920136,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6418038010597229},{"word":"is","start":3066.89,"end":3067.13,"confidence":0.9983423,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5589185953140259},{"word":"a","start":3067.13,"end":3067.53,"confidence":0.9911265,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6749210357666016},{"word":"beautiful","start":3067.53,"end":3068.03,"confidence":0.99699366,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.6658188104629517},{"word":"super","start":3068.25,"end":3068.57,"confidence":0.8953386,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.649785578250885},{"word":"fund","start":3068.57,"end":3068.89,"confidence":0.9307483,"punctuated_word":"fund.","sentiment":"positive","sentiment_score":0.561264157295227},{"word":"i","start":3068.89,"end":3068.97,"confidence":0.99981946,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5593811273574829},{"word":"do","start":3068.97,"end":3069.21,"confidence":0.99989235,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5385892391204834},{"word":"love","start":3069.21,"end":3069.3699,"confidence":0.9998456,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.5994834899902344},{"word":"myself","start":3069.3699,"end":3069.77,"confidence":0.99915457,"punctuated_word":"myself","sentiment":"positive","sentiment_score":0.6139211654663086},{"word":"a","start":3069.77,"end":3069.8499,"confidence":0.994926,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.661646842956543},{"word":"good","start":3069.8499,"end":3070.09,"confidence":0.9996742,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.636272132396698},{"word":"defined","start":3070.09,"end":3070.49,"confidence":0.9323767,"punctuated_word":"defined","sentiment":"positive","sentiment_score":0.7249027490615845},{"word":"benefit","start":3070.49,"end":3070.97,"confidence":0.99866307,"punctuated_word":"benefit.","sentiment":"positive","sentiment_score":0.6210524439811707},{"word":"i","start":3070.97,"end":3071.13,"confidence":0.9999491,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11972425878047945},{"word":"do","start":3071.13,"end":3071.3699,"confidence":0.99991953,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0356726199388504},{"word":"wish","start":3071.3699,"end":3071.6099,"confidence":0.99981457,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":0.1110457479953766},{"word":"they","start":3071.6099,"end":3071.77,"confidence":0.9925579,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.017765969038009644},{"word":"had","start":3071.77,"end":3071.93,"confidence":0.9949833,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.03087089955806732},{"word":"them","start":3071.93,"end":3072.43,"confidence":0.9997182,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.031102459877729416},{"word":"i","start":3072.49,"end":3072.65,"confidence":0.9998267,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.019300341606140137},{"word":"asked","start":3072.65,"end":3072.89,"confidence":0.9981375,"punctuated_word":"asked","sentiment":"neutral","sentiment_score":0.023312367498874664},{"word":"my","start":3072.89,"end":3073.05,"confidence":0.9997713,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.01150379329919815},{"word":"boss","start":3073.05,"end":3073.29,"confidence":0.99978334,"punctuated_word":"boss","sentiment":"neutral","sentiment_score":0.02740449458360672},{"word":"to","start":3073.29,"end":3073.45,"confidence":0.99636924,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03125045821070671},{"word":"set","start":3073.45,"end":3073.6099,"confidence":0.9960871,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.012583758682012558},{"word":"one","start":3073.6099,"end":3073.77,"confidence":0.9918099,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.03892499953508377},{"word":"up","start":3073.77,"end":3073.93,"confidence":0.86770946,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.02199418656527996},{"word":"and","start":3073.93,"end":3074.01,"confidence":0.9983181,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01599496603012085},{"word":"he","start":3074.01,"end":3074.17,"confidence":0.9991411,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.017484884709119797},{"word":"told","start":3074.17,"end":3074.41,"confidence":0.99364954,"punctuated_word":"told","sentiment":"neutral","sentiment_score":-0.031529806554317474},{"word":"me","start":3074.41,"end":3074.57,"confidence":0.99985003,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.014985941350460052},{"word":"no","start":3074.57,"end":3075.07,"confidence":0.95960975,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.0029685795307159424},{"word":"but","start":3076.25,"end":3076.49,"confidence":0.8953502,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.12002405524253844},{"word":"they","start":3076.49,"end":3076.73,"confidence":0.9995907,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.33525148034095764},{"word":"they","start":3076.73,"end":3076.97,"confidence":0.99948126,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.486333429813385},{"word":"are","start":3076.97,"end":3077.21,"confidence":0.999551,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4264658987522125},{"word":"a","start":3077.21,"end":3077.29,"confidence":0.8876491,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4750349819660187},{"word":"really","start":3077.29,"end":3077.53,"confidence":0.9998367,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5087038278579712},{"word":"beautiful","start":3077.53,"end":3078.01,"confidence":0.9998734,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.5014055967330933},{"word":"super","start":3078.01,"end":3078.33,"confidence":0.9925115,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.529558539390564},{"word":"fund","start":3078.33,"end":3078.83,"confidence":0.97399485,"punctuated_word":"fund.","sentiment":"positive","sentiment_score":0.34191352128982544},{"word":"yes","start":3086.3052,"end":3086.8052,"confidence":0.96093017,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0011852849274873734},{"word":"absolutely","start":3087.0251,"end":3087.5251,"confidence":0.98487055,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.02908247336745262},{"word":"and","start":3087.745,"end":3087.985,"confidence":0.99937636,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.24003829061985016},{"word":"even","start":3087.985,"end":3088.225,"confidence":0.99963033,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.29325878620147705},{"word":"between","start":3088.225,"end":3088.725,"confidence":0.9997137,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.1409783959388733},{"word":"even","start":3089.105,"end":3089.2651,"confidence":0.9921405,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.16310831904411316},{"word":"between","start":3089.2651,"end":3089.745,"confidence":0.99898344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.1687380224466324},{"word":"55","start":3089.745,"end":3090.3052,"confidence":0.9992892,"punctuated_word":"55","sentiment":"neutral","sentiment_score":-0.13498370349407196},{"word":"and","start":3090.3052,"end":3090.5452,"confidence":0.9994381,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17753927409648895},{"word":"60","start":3090.5452,"end":3090.945,"confidence":0.9907259,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":-0.1313593089580536},{"word":"there","start":3090.945,"end":3091.105,"confidence":0.99689424,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.11303015798330308},{"word":"are","start":3091.105,"end":3091.345,"confidence":0.9991972,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1204327940940857},{"word":"often","start":3091.345,"end":3091.665,"confidence":0.9959401,"punctuated_word":"often","sentiment":"neutral","sentiment_score":-0.15002110600471497},{"word":"tax","start":3091.665,"end":3092.0652,"confidence":0.99982786,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.17172175645828247},{"word":"consequences","start":3092.0652,"end":3092.5652,"confidence":0.99977595,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":-0.19245943427085876},{"word":"as","start":3092.7852,"end":3092.945,"confidence":0.9998766,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.13642098009586334},{"word":"well","start":3092.945,"end":3093.345,"confidence":0.91480696,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.15638282895088196},{"word":"so","start":3093.345,"end":3093.81,"confidence":0.9979684,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.029946085065603256},{"word":"we","start":3094.05,"end":3094.21,"confidence":0.99954945,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.00579896941781044},{"word":"can","start":3094.21,"end":3094.45,"confidence":0.9998559,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.013149034231901169},{"word":"assess","start":3094.45,"end":3094.77,"confidence":0.99538004,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":-0.00032811984419822693},{"word":"that","start":3094.77,"end":3095.09,"confidence":0.9920805,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.026748042553663257},{"word":"at","start":3095.09,"end":3095.25,"confidence":0.9947942,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02849019691348076},{"word":"55","start":3095.25,"end":3095.73,"confidence":0.9995716,"punctuated_word":"55","sentiment":"neutral","sentiment_score":-0.02031618356704712},{"word":"and","start":3095.73,"end":3095.97,"confidence":0.96549934,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.007465377449989319},{"word":"to","start":3095.97,"end":3096.1301,"confidence":0.60687065,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.005809139460325241},{"word":"see","start":3096.1301,"end":3096.29,"confidence":0.9991498,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.019307177513837814},{"word":"what","start":3096.29,"end":3096.45,"confidence":0.999778,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01677275449037552},{"word":"the","start":3096.45,"end":3096.53,"confidence":0.9992151,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.001930397003889084},{"word":"consequences","start":3096.53,"end":3097.03,"confidence":0.9992155,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":-0.02075306698679924},{"word":"look","start":3097.25,"end":3097.49,"confidence":0.99886847,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.008946005254983902},{"word":"like","start":3097.49,"end":3097.81,"confidence":0.9991424,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.013662055134773254},{"word":"and","start":3097.81,"end":3097.97,"confidence":0.95919925,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009946443140506744},{"word":"see","start":3097.97,"end":3098.29,"confidence":0.9948126,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.007359813898801804},{"word":"we","start":3098.37,"end":3098.53,"confidence":0.99911934,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02718440443277359},{"word":"can","start":3098.53,"end":3098.69,"confidence":0.9999449,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.005686033517122269},{"word":"get","start":3098.69,"end":3099.19,"confidence":0.9999511,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.007926858961582184},{"word":"projected","start":3099.49,"end":3099.99,"confidence":0.9947811,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.02726992592215538},{"word":"outcomes","start":3100.1301,"end":3100.61,"confidence":0.9984724,"punctuated_word":"outcomes","sentiment":"neutral","sentiment_score":0.0019607506692409515},{"word":"on","start":3100.61,"end":3101.11,"confidence":0.9783603,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02139166370034218},{"word":"or","start":3101.4102,"end":3101.6501,"confidence":0.9664049,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.019047025591135025},{"word":"quotes","start":3101.6501,"end":3101.97,"confidence":0.9496183,"punctuated_word":"quotes","sentiment":"neutral","sentiment_score":0.018266376107931137},{"word":"on","start":3101.97,"end":3102.1301,"confidence":0.98273337,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03462139144539833},{"word":"what","start":3102.1301,"end":3102.29,"confidence":0.9998561,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.035850100219249725},{"word":"it","start":3102.29,"end":3102.45,"confidence":0.9996767,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02382563054561615},{"word":"looks","start":3102.45,"end":3102.61,"confidence":0.99972445,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.014862976968288422},{"word":"like","start":3102.61,"end":3102.85,"confidence":0.9991806,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0013754963874816897},{"word":"if","start":3102.85,"end":3103.01,"confidence":0.99886036,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.00944887474179268},{"word":"we","start":3103.01,"end":3103.1702,"confidence":0.99948764,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.010187145322561264},{"word":"transfer","start":3103.1702,"end":3103.6501,"confidence":0.86824065,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":-0.00264035165309906},{"word":"it","start":3103.6501,"end":3103.81,"confidence":0.9676321,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.003509119153022766},{"word":"across","start":3103.81,"end":3104.31,"confidence":0.81823206,"punctuated_word":"across.","sentiment":"neutral","sentiment_score":-0.009991789236664772},{"word":"but","start":3104.61,"end":3104.77,"confidence":0.9832976,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02194739133119583},{"word":"then","start":3104.77,"end":3104.9302,"confidence":0.99970585,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.019829049706459045},{"word":"we","start":3104.9302,"end":3105.09,"confidence":0.99168456,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02995353937149048},{"word":"can","start":3105.09,"end":3105.25,"confidence":0.9997311,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.019103027880191803},{"word":"also","start":3105.25,"end":3105.6501,"confidence":0.9994955,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.01044582575559616},{"word":"get","start":3105.6501,"end":3105.81,"confidence":0.99982846,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.017259597778320312},{"word":"that","start":3105.81,"end":3106.05,"confidence":0.99978644,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01370501145720482},{"word":"done","start":3106.05,"end":3106.21,"confidence":0.92743874,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.006244633346796036},{"word":"at","start":3106.21,"end":3106.37,"confidence":0.99872893,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.010043207556009293},{"word":"60","start":3106.37,"end":3106.77,"confidence":0.99781203,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.019721176475286484},{"word":"to","start":3106.77,"end":3106.9302,"confidence":0.9982162,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.002405993640422821},{"word":"see","start":3106.9302,"end":3107.09,"confidence":0.99952567,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.02726341411471367},{"word":"what","start":3107.09,"end":3107.33,"confidence":0.9999057,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.030738499015569687},{"word":"the","start":3107.33,"end":3107.4102,"confidence":0.99909484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.002821296453475952},{"word":"difference","start":3107.4102,"end":3107.81,"confidence":0.9994017,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.014478467404842377},{"word":"is","start":3107.81,"end":3108.1301,"confidence":0.9997719,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02111295610666275},{"word":"to","start":3108.1301,"end":3108.29,"confidence":0.9768024,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.012021318078041077},{"word":"make","start":3108.29,"end":3108.465,"confidence":0.9997861,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.006558693945407867},{"word":"sure","start":3108.465,"end":3108.705,"confidence":0.9998572,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.005094289779663086},{"word":"that","start":3108.705,"end":3108.865,"confidence":0.99948186,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.004473991692066193},{"word":"you","start":3108.865,"end":3108.945,"confidence":0.9997348,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020373068749904633},{"word":"get","start":3108.945,"end":3109.2651,"confidence":0.9988939,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.011054553091526031},{"word":"the","start":3109.2651,"end":3109.425,"confidence":0.9979079,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02008158713579178},{"word":"most","start":3109.425,"end":3109.665,"confidence":0.9998851,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.0043639689683914185},{"word":"of","start":3109.665,"end":3109.8252,"confidence":0.9991229,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0027067214250564575},{"word":"that","start":3109.8252,"end":3110.0652,"confidence":0.99953747,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0013725385069847107},{"word":"benefit","start":3110.0652,"end":3110.5452,"confidence":0.9995597,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.0006145983934402466},{"word":"amount","start":3110.5452,"end":3111.0452,"confidence":0.99775666,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":-0.03213537484407425},{"word":"okay","start":3111.185,"end":3111.685,"confidence":0.99694914,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08004476875066757},{"word":"excellent","start":3113.0251,"end":3113.5251,"confidence":0.99903953,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.46390342712402344},{"word":"beautiful","start":3113.5852,"end":3114.0852,"confidence":0.99986637,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.578931450843811},{"word":"lovely","start":3114.465,"end":3114.965,"confidence":0.99976695,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.5249310731887817},{"word":"so","start":3115.0251,"end":3115.425,"confidence":0.9979746,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20366171002388},{"word":"just","start":3115.425,"end":3115.665,"confidence":0.9990396,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16582109034061432},{"word":"to","start":3115.665,"end":3115.8252,"confidence":0.99404943,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1154494285583496},{"word":"kinda","start":3115.8252,"end":3116.145,"confidence":0.74887335,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.12948471307754517},{"word":"recap","start":3116.145,"end":3116.5452,"confidence":0.99232376,"punctuated_word":"recap,","sentiment":"neutral","sentiment_score":0.1269414722919464},{"word":"i'll","start":3116.5452,"end":3116.7852,"confidence":0.9994706,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10534095764160156},{"word":"look","start":3116.7852,"end":3116.945,"confidence":0.99983776,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.129957377910614},{"word":"at","start":3116.945,"end":3117.445,"confidence":0.9990957,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1517055481672287},{"word":"the","start":3117.665,"end":3117.905,"confidence":0.78834015,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1224411278963089},{"word":"supers","start":3117.905,"end":3118.405,"confidence":0.95888615,"punctuated_word":"supers.","sentiment":"neutral","sentiment_score":0.1396283507347107},{"word":"scott","start":3119.0251,"end":3119.2651,"confidence":0.9841373,"punctuated_word":"Scott,","sentiment":"neutral","sentiment_score":0.0621626079082489},{"word":"we","start":3119.2651,"end":3119.425,"confidence":0.9997718,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07893825322389603},{"word":"have","start":3119.425,"end":3119.665,"confidence":0.99819285,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06834784150123596},{"word":"just","start":3119.665,"end":3119.905,"confidence":0.96666026,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08791795372962952},{"word":"made","start":3119.905,"end":3120.405,"confidence":0.99972063,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.09709670394659042},{"word":"changes","start":3120.7852,"end":3121.2852,"confidence":0.8067232,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.1120847463607788},{"word":"to","start":3121.5051,"end":3121.745,"confidence":0.9992342,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10197248309850691},{"word":"your","start":3121.745,"end":3122.0652,"confidence":0.9997465,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09422340989112854},{"word":"investments","start":3122.0652,"end":3122.5652,"confidence":0.99839646,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.08329091221094131},{"word":"as","start":3122.865,"end":3123.0251,"confidence":0.9998368,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1380847841501236},{"word":"well","start":3123.0251,"end":3123.5251,"confidence":0.9994643,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.13387835025787354},{"word":"they","start":3124.31,"end":3124.81,"confidence":0.9978861,"punctuated_word":"They","sentiment":"positive","sentiment_score":0.5097069144248962},{"word":"are","start":3124.8699,"end":3125.19,"confidence":0.99957293,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5503330230712891},{"word":"doing","start":3125.19,"end":3125.59,"confidence":0.9998406,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.6012940406799316},{"word":"very","start":3125.59,"end":3125.83,"confidence":0.97540617,"punctuated_word":"very,","sentiment":"positive","sentiment_score":0.5307596921920776},{"word":"very","start":3125.83,"end":3126.23,"confidence":0.9999428,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5929996967315674},{"word":"nicely","start":3126.23,"end":3126.73,"confidence":0.93927085,"punctuated_word":"nicely,","sentiment":"positive","sentiment_score":0.6097888350486755},{"word":"actually","start":3126.95,"end":3127.45,"confidence":0.94176877,"punctuated_word":"actually.","sentiment":"positive","sentiment_score":0.47559207677841187},{"word":"so","start":3127.59,"end":3127.99,"confidence":0.9972554,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.213811457157135},{"word":"i'm","start":3127.99,"end":3128.15,"confidence":0.9981939,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.20996761322021484},{"word":"also","start":3128.15,"end":3128.47,"confidence":0.9959369,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1611640751361847},{"word":"just","start":3128.47,"end":3128.71,"confidence":0.9992362,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17486324906349182},{"word":"gonna","start":3128.71,"end":3128.95,"confidence":0.9836631,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.16310369968414307},{"word":"give","start":3128.95,"end":3129.19,"confidence":0.99894387,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1435190737247467},{"word":"you","start":3129.19,"end":3129.35,"confidence":0.9997346,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15461242198944092},{"word":"an","start":3129.35,"end":3129.59,"confidence":0.99948883,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.14062103629112244},{"word":"update","start":3129.59,"end":3129.99,"confidence":0.99986815,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.17402812838554382},{"word":"on","start":3129.99,"end":3130.15,"confidence":0.9998777,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18070629239082336},{"word":"the","start":3130.15,"end":3130.31,"confidence":0.9994579,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1697319895029068},{"word":"performance","start":3130.31,"end":3130.81,"confidence":0.99961925,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.16973762214183807},{"word":"since","start":3130.95,"end":3131.19,"confidence":0.995514,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.16735494136810303},{"word":"we","start":3131.19,"end":3131.43,"confidence":0.99964416,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13125044107437134},{"word":"did","start":3131.43,"end":3131.59,"confidence":0.9769562,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1292654573917389},{"word":"that","start":3131.59,"end":3131.75,"confidence":0.9959747,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14503993093967438},{"word":"because","start":3131.75,"end":3131.99,"confidence":0.6362199,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1197296604514122},{"word":"that","start":3131.99,"end":3132.15,"confidence":0.9995436,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11874744296073914},{"word":"was","start":3132.15,"end":3132.31,"confidence":0.99978656,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.10176698118448256},{"word":"a","start":3132.31,"end":3132.39,"confidence":0.99901736,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1021493673324585},{"word":"few","start":3132.39,"end":3132.63,"confidence":0.99992335,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.08776973932981491},{"word":"months","start":3132.63,"end":3132.8699,"confidence":0.9996711,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.08631913363933563},{"word":"ago","start":3132.8699,"end":3133.19,"confidence":0.99968827,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":0.09752382338047028},{"word":"now","start":3133.19,"end":3133.69,"confidence":0.99874246,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.10225026309490204},{"word":"so","start":3135.91,"end":3136.39,"confidence":0.8221851,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.005303576588630676},{"word":"looking","start":3136.39,"end":3136.79,"confidence":0.99860054,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.00846293568611145},{"word":"back","start":3136.79,"end":3137.03,"confidence":0.9850007,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.019563987851142883},{"word":"sorry","start":3137.59,"end":3138.09,"confidence":0.9944109,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.04152779653668403},{"word":"it's","start":3145.875,"end":3146.195,"confidence":0.9953984,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.04508394002914429},{"word":"just","start":3146.195,"end":3146.5151,"confidence":0.9995926,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04680474102497101},{"word":"loading","start":3146.5151,"end":3146.835,"confidence":0.9999652,"punctuated_word":"loading","sentiment":"neutral","sentiment_score":-0.03275040537118912},{"word":"the","start":3146.835,"end":3147.075,"confidence":0.99737835,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.033382438123226166},{"word":"report","start":3147.075,"end":3147.555,"confidence":0.9990669,"punctuated_word":"report","sentiment":"neutral","sentiment_score":-0.01703776977956295},{"word":"for","start":3147.555,"end":3147.715,"confidence":0.9949555,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.047730665653944016},{"word":"me","start":3147.715,"end":3148.215,"confidence":0.99310285,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.03831176087260246},{"word":"still","start":3155.3298,"end":3155.8298,"confidence":0.94187295,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":-0.031946148723363876},{"word":"loading","start":3156.29,"end":3156.79,"confidence":0.9553114,"punctuated_word":"loading.","sentiment":"neutral","sentiment_score":-0.031518518924713135},{"word":"sorry","start":3157.0898,"end":3157.5898,"confidence":0.9694053,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.038551658391952515},{"word":"goodness","start":3165.81,"end":3166.13,"confidence":0.8272235,"punctuated_word":"Goodness.","sentiment":"neutral","sentiment_score":0.023694811388850212},{"word":"it","start":3166.13,"end":3166.3374,"confidence":0.9177644,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.007429588586091995},{"word":"is","start":3166.3374,"end":3166.545,"confidence":0.9319874,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0013201534748077393},{"word":"oh","start":3188.26,"end":3188.4202,"confidence":0.7122329,"punctuated_word":"Oh","sentiment":"neutral","sentiment_score":-0.20654040575027463},{"word":"goodness","start":3188.4202,"end":3188.9001,"confidence":0.7518069,"punctuated_word":"goodness.","sentiment":"neutral","sentiment_score":-0.2753216624259949},{"word":"this","start":3188.9001,"end":3189.06,"confidence":0.9983903,"punctuated_word":"This","sentiment":"negative","sentiment_score":-0.3736395239830017},{"word":"is","start":3189.06,"end":3189.2202,"confidence":0.99829906,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.44057098031044006},{"word":"taking","start":3189.2202,"end":3189.54,"confidence":0.9987093,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.30076152086257935},{"word":"a","start":3189.54,"end":3189.62,"confidence":0.9967848,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.31768983602523804},{"word":"long","start":3189.62,"end":3189.78,"confidence":0.99946886,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.3240160048007965},{"word":"time","start":3189.78,"end":3190.02,"confidence":0.998252,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.3169791102409363},{"word":"to","start":3190.02,"end":3190.1,"confidence":0.99758613,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.32607030868530273},{"word":"load","start":3190.1,"end":3190.6,"confidence":0.9988264,"punctuated_word":"load.","sentiment":"neutral","sentiment_score":-0.286649227142334},{"word":"definitely","start":3192.58,"end":3192.9802,"confidence":0.9575213,"punctuated_word":"Definitely","sentiment":"neutral","sentiment_score":-0.22305968403816223},{"word":"shouldn't","start":3192.9802,"end":3193.3,"confidence":0.99105513,"punctuated_word":"shouldn't","sentiment":"neutral","sentiment_score":-0.22199463844299316},{"word":"be","start":3193.3,"end":3193.4602,"confidence":0.994165,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2569447159767151},{"word":"taking","start":3193.4602,"end":3193.9402,"confidence":0.99529713,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.2408766746520996},{"word":"that","start":3193.9402,"end":3194.1802,"confidence":0.98959434,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2858956754207611},{"word":"long","start":3194.1802,"end":3194.385,"confidence":0.8336464,"punctuated_word":"long.","sentiment":"neutral","sentiment_score":-0.2541809678077698},{"word":"that's","start":3203.665,"end":3203.905,"confidence":0.9945085,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.11548952758312224},{"word":"loading","start":3203.905,"end":3204.305,"confidence":0.80316603,"punctuated_word":"loading.","sentiment":"neutral","sentiment_score":-0.08833633363246918},{"word":"so","start":3204.305,"end":3204.545,"confidence":0.9961683,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.031223691999912265},{"word":"i'll","start":3204.545,"end":3204.705,"confidence":0.9995538,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.016056925058364868},{"word":"let","start":3204.705,"end":3204.865,"confidence":0.9995944,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.00859183818101883},{"word":"it","start":3204.865,"end":3204.945,"confidence":0.99944085,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.035089097917079926},{"word":"load","start":3204.945,"end":3205.185,"confidence":0.999549,"punctuated_word":"load","sentiment":"neutral","sentiment_score":-0.02419251948595047},{"word":"for","start":3205.185,"end":3205.3052,"confidence":0.99459755,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.038267217576503754},{"word":"a","start":3205.3052,"end":3205.425,"confidence":0.9979062,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03298407793045044},{"word":"minute","start":3205.425,"end":3205.745,"confidence":0.9956076,"punctuated_word":"minute.","sentiment":"neutral","sentiment_score":-0.028731975704431537},{"word":"hub","start":3205.745,"end":3205.985,"confidence":0.9417942,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":-0.22619488835334775},{"word":"24","start":3205.985,"end":3206.465,"confidence":0.99359953,"punctuated_word":"24","sentiment":"neutral","sentiment_score":-0.12393945455551147},{"word":"is","start":3206.465,"end":3206.545,"confidence":0.94578344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.26731961965560913},{"word":"feeling","start":3206.545,"end":3206.865,"confidence":0.9299949,"punctuated_word":"feeling","sentiment":"neutral","sentiment_score":-0.19194792211055756},{"word":"a","start":3206.865,"end":3206.945,"confidence":0.9983223,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2609395980834961},{"word":"little","start":3206.945,"end":3207.105,"confidence":0.9996464,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.29872408509254456},{"word":"bit","start":3207.105,"end":3207.345,"confidence":0.99805933,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3914232552051544},{"word":"slow","start":3207.345,"end":3207.585,"confidence":0.99087596,"punctuated_word":"slow","sentiment":"negative","sentiment_score":-0.5025663375854492},{"word":"this","start":3207.585,"end":3207.825,"confidence":0.99874973,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.5685153603553772},{"word":"afternoon","start":3207.825,"end":3208.225,"confidence":0.99635446,"punctuated_word":"afternoon.","sentiment":"negative","sentiment_score":-0.45245182514190674},{"word":"that's","start":3208.225,"end":3208.71,"confidence":0.9927795,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.05141311511397362},{"word":"okay","start":3209.19,"end":3209.69,"confidence":0.99913174,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.002443261444568634},{"word":"while","start":3209.75,"end":3209.99,"confidence":0.8065887,"punctuated_word":"While","sentiment":"neutral","sentiment_score":-0.07179217040538788},{"word":"that","start":3209.99,"end":3210.31,"confidence":0.9998216,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09859868884086607},{"word":"is","start":3210.31,"end":3210.55,"confidence":0.9996315,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06528058648109436},{"word":"loading","start":3210.55,"end":3210.8699,"confidence":0.99913377,"punctuated_word":"loading,","sentiment":"neutral","sentiment_score":-0.050283756107091904},{"word":"i'll","start":3210.8699,"end":3211.03,"confidence":0.9981718,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.0209064744412899},{"word":"just","start":3211.03,"end":3211.27,"confidence":0.99598134,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0004850253462791443},{"word":"sort","start":3211.27,"end":3211.43,"confidence":0.98260754,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.02484247088432312},{"word":"of","start":3211.43,"end":3211.51,"confidence":0.59205633,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023724697530269623},{"word":"go","start":3211.51,"end":3211.75,"confidence":0.9984968,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.009437330067157744},{"word":"through","start":3211.75,"end":3211.91,"confidence":0.7959093,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.01281200349330902},{"word":"your","start":3211.91,"end":3212.07,"confidence":0.99885845,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05066663771867752},{"word":"risk","start":3212.07,"end":3212.39,"confidence":0.9985061,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.07982009649276733},{"word":"profiles","start":3212.39,"end":3212.8699,"confidence":0.9893356,"punctuated_word":"profiles","sentiment":"neutral","sentiment_score":-0.13932235538959503},{"word":"as","start":3212.8699,"end":3213.03,"confidence":0.9998894,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.02353999763727188},{"word":"well","start":3213.03,"end":3213.43,"confidence":0.9956268,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.02741381525993347},{"word":"so","start":3213.43,"end":3213.75,"confidence":0.99964976,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05466447398066521},{"word":"i","start":3213.75,"end":3213.91,"confidence":0.99932694,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07792966067790985},{"word":"don't","start":3213.91,"end":3214.15,"confidence":0.99996555,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.032913293689489365},{"word":"wanna","start":3214.15,"end":3214.39,"confidence":0.958091,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.014979146420955658},{"word":"go","start":3214.39,"end":3214.63,"confidence":0.99829024,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.027082204818725582},{"word":"through","start":3214.63,"end":3214.79,"confidence":0.88317883,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.03888019174337387},{"word":"the","start":3214.79,"end":3214.95,"confidence":0.9975151,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05699006840586662},{"word":"14","start":3214.95,"end":3215.3499,"confidence":0.998064,"punctuated_word":"14","sentiment":"neutral","sentiment_score":-0.03981170430779457},{"word":"questions","start":3215.3499,"end":3215.75,"confidence":0.99636286,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.05111755430698395},{"word":"there","start":3215.75,"end":3215.91,"confidence":0.94429564,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.03382589668035507},{"word":"with","start":3215.91,"end":3216.15,"confidence":0.9985519,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.047638874500989914},{"word":"you","start":3216.15,"end":3216.31,"confidence":0.9304532,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.006157010793685913},{"word":"lisa","start":3216.31,"end":3216.63,"confidence":0.9443985,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":-0.015479762107133864},{"word":"and","start":3216.63,"end":3216.8699,"confidence":0.9939758,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.007243737578392029},{"word":"make","start":3216.8699,"end":3217.03,"confidence":0.9893209,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.016647495329380035},{"word":"you","start":3217.03,"end":3217.19,"confidence":0.580522,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009940076619386671},{"word":"answer","start":3217.19,"end":3217.51,"confidence":0.9742018,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.003232087939977646},{"word":"all","start":3217.51,"end":3217.67,"confidence":0.8373915,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.01560010388493538},{"word":"those","start":3217.67,"end":3217.99,"confidence":0.98047215,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.07531259208917618},{"word":"again","start":3217.99,"end":3218.49,"confidence":0.91583395,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.023447461426258087},{"word":"but","start":3219.3499,"end":3219.51,"confidence":0.92022896,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.10585732012987135},{"word":"essentially","start":3219.51,"end":3220.01,"confidence":0.9996549,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.1799284666776657},{"word":"just","start":3220.39,"end":3220.63,"confidence":0.95987874,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26141640543937683},{"word":"wanted","start":3220.63,"end":3220.95,"confidence":0.9991623,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.2702407240867615},{"word":"to","start":3220.95,"end":3221.1099,"confidence":0.99958867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3167242705821991},{"word":"kinda","start":3221.1099,"end":3221.3499,"confidence":0.7778569,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.32978683710098267},{"word":"reclarify","start":3221.3499,"end":3221.8499,"confidence":0.97394294,"punctuated_word":"reclarify","sentiment":"neutral","sentiment_score":0.30705907940864563},{"word":"that","start":3222.23,"end":3222.55,"confidence":0.9997577,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35166284441947937},{"word":"they","start":3222.55,"end":3222.79,"confidence":0.99963534,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.33051854372024536},{"word":"are","start":3222.79,"end":3223.03,"confidence":0.9997366,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.27102676033973694},{"word":"comfortable","start":3223.03,"end":3223.53,"confidence":0.99980325,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.3307614326477051},{"word":"for","start":3223.5898,"end":3223.75,"confidence":0.9993849,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.39006632566452026},{"word":"you","start":3223.75,"end":3223.99,"confidence":0.9997373,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.42382287979125977},{"word":"and","start":3223.99,"end":3224.15,"confidence":0.98264587,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.37267059087753296},{"word":"give","start":3224.15,"end":3224.39,"confidence":0.9997154,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.36023327708244324},{"word":"you","start":3224.39,"end":3224.625,"confidence":0.9991954,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4359833896160126},{"word":"the","start":3224.705,"end":3224.865,"confidence":0.99170375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4210135042667389},{"word":"information","start":3224.865,"end":3225.365,"confidence":0.99976283,"punctuated_word":"information","sentiment":"positive","sentiment_score":0.4404092431068421},{"word":"on","start":3225.425,"end":3225.665,"confidence":0.99983096,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3971628248691559},{"word":"how","start":3225.665,"end":3225.825,"confidence":0.9997671,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.4432278573513031},{"word":"they","start":3225.825,"end":3226.145,"confidence":0.9998041,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.3801756203174591},{"word":"work","start":3226.145,"end":3226.625,"confidence":0.87755835,"punctuated_word":"work,","sentiment":"positive","sentiment_score":0.40928858518600464},{"word":"what","start":3226.625,"end":3226.865,"confidence":0.7862758,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4190611243247986},{"word":"the","start":3226.865,"end":3226.945,"confidence":0.99910337,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2981751561164856},{"word":"risk","start":3226.945,"end":3227.265,"confidence":0.9978508,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.11137911677360536},{"word":"profile","start":3227.265,"end":3227.585,"confidence":0.96353745,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.15830260515213013},{"word":"all","start":3227.585,"end":3227.825,"confidence":0.30887076,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.20420242846012115},{"word":"asset","start":3227.985,"end":3228.305,"confidence":0.98950815,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.137058287858963},{"word":"allocations","start":3228.305,"end":3228.805,"confidence":0.995509,"punctuated_word":"allocations","sentiment":"neutral","sentiment_score":0.2481122612953186},{"word":"are","start":3228.865,"end":3229.025,"confidence":0.8526077,"punctuated_word":"are,","sentiment":"positive","sentiment_score":0.35216087102890015},{"word":"and","start":3229.025,"end":3229.185,"confidence":0.99867237,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3503229320049286},{"word":"talk","start":3229.185,"end":3229.425,"confidence":0.99787664,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.34226569533348083},{"word":"about","start":3229.425,"end":3229.665,"confidence":0.9992611,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.38884302973747253},{"word":"the","start":3229.665,"end":3229.825,"confidence":0.9989961,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3883586525917053},{"word":"appropriateness","start":3229.825,"end":3230.325,"confidence":0.99928695,"punctuated_word":"appropriateness","sentiment":"positive","sentiment_score":0.3343181014060974},{"word":"of","start":3230.705,"end":3230.785,"confidence":0.9993697,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.35754334926605225},{"word":"them","start":3230.785,"end":3231.105,"confidence":0.99964154,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.271249920129776},{"word":"for","start":3231.105,"end":3231.265,"confidence":0.99955815,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2429632991552353},{"word":"you","start":3231.265,"end":3231.505,"confidence":0.9983814,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24283787608146667},{"word":"both","start":3231.505,"end":3232.005,"confidence":0.99731135,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":0.2720409333705902},{"word":"so","start":3232.625,"end":3232.865,"confidence":0.6705222,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.27351176738739014},{"word":"scott","start":3232.865,"end":3233.365,"confidence":0.9966954,"punctuated_word":"Scott,","sentiment":"neutral","sentiment_score":0.31728774309158325},{"word":"you're","start":3233.505,"end":3233.905,"confidence":0.9815726,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.28597989678382874},{"word":"in","start":3233.905,"end":3234.065,"confidence":0.96710837,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22690138220787048},{"word":"that","start":3234.065,"end":3234.385,"confidence":0.9986896,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2705293297767639},{"word":"growth","start":3234.385,"end":3234.785,"confidence":0.99411017,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.18013201653957367},{"word":"environment","start":3234.785,"end":3235.285,"confidence":0.97637516,"punctuated_word":"environment.","sentiment":"neutral","sentiment_score":0.1862456202507019},{"word":"lisa","start":3236.305,"end":3236.785,"confidence":0.9889052,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":0.12177453935146332},{"word":"i'm","start":3236.785,"end":3236.945,"confidence":0.9994397,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1194588541984558},{"word":"pretty","start":3236.945,"end":3237.185,"confidence":0.99977905,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.14717690646648407},{"word":"sure","start":3237.185,"end":3237.505,"confidence":0.99975437,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07819616049528122},{"word":"you","start":3237.505,"end":3238.005,"confidence":0.9962245,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1265183836221695},{"word":"scored","start":3238.065,"end":3238.545,"confidence":0.922691,"punctuated_word":"scored","sentiment":"neutral","sentiment_score":0.12975774705410004},{"word":"the","start":3238.545,"end":3238.865,"confidence":0.99800414,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15870538353919983},{"word":"same","start":3238.865,"end":3239.25,"confidence":0.9974719,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.13114267587661743},{"word":"i'm","start":3239.49,"end":3239.65,"confidence":0.9845929,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08671234548091888},{"word":"just","start":3239.65,"end":3239.89,"confidence":0.99985623,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08807387202978134},{"word":"double","start":3239.89,"end":3240.21,"confidence":0.99940765,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.11126729100942612},{"word":"checking","start":3240.21,"end":3240.69,"confidence":0.9959947,"punctuated_word":"checking.","sentiment":"neutral","sentiment_score":0.1162179633975029},{"word":"yes","start":3240.69,"end":3241.01,"confidence":0.9938674,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1996564269065857},{"word":"you","start":3241.01,"end":3241.09,"confidence":0.9987997,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2175954431295395},{"word":"did","start":3241.09,"end":3241.41,"confidence":0.99859715,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":0.21639612317085263},{"word":"yeah","start":3241.41,"end":3241.81,"confidence":0.7608267,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19730454683303833},{"word":"so","start":3241.81,"end":3242.29,"confidence":0.99932575,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24355977773666385},{"word":"the","start":3242.29,"end":3242.53,"confidence":0.99888283,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.320400595664978},{"word":"growth","start":3242.53,"end":3243.03,"confidence":0.99073225,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3488175570964813},{"word":"environment","start":3243.09,"end":3243.59,"confidence":0.86985856,"punctuated_word":"environment","sentiment":"positive","sentiment_score":0.3889213502407074},{"word":"suits","start":3243.89,"end":3244.29,"confidence":0.88786554,"punctuated_word":"suits","sentiment":"neutral","sentiment_score":0.32061517238616943},{"word":"someone","start":3244.29,"end":3244.61,"confidence":0.9997522,"punctuated_word":"someone","sentiment":"positive","sentiment_score":0.35575029253959656},{"word":"who","start":3244.61,"end":3245.01,"confidence":0.9998518,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.3281175196170807},{"word":"is","start":3245.01,"end":3245.51,"confidence":0.9997826,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.30035290122032166},{"word":"wanting","start":3245.73,"end":3246.05,"confidence":0.9739784,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.3274920880794525},{"word":"to","start":3246.05,"end":3246.21,"confidence":0.99333656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29248297214508057},{"word":"access","start":3246.21,"end":3246.61,"confidence":0.99966156,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.3013276755809784},{"word":"their","start":3246.61,"end":3246.85,"confidence":0.6953344,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.27060651779174805},{"word":"super","start":3246.85,"end":3247.35,"confidence":0.9722492,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3404284417629242},{"word":"no","start":3247.65,"end":3247.81,"confidence":0.9485013,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.242264986038208},{"word":"earlier","start":3247.81,"end":3248.13,"confidence":0.692144,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":0.2368677258491516},{"word":"than","start":3248.13,"end":3248.37,"confidence":0.89559114,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.24685165286064148},{"word":"six","start":3248.37,"end":3248.61,"confidence":0.99400526,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.21741317212581637},{"word":"years","start":3248.61,"end":3248.77,"confidence":0.99854636,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.21085084974765775},{"word":"to","start":3248.77,"end":3249.01,"confidence":0.4309369,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28807738423347473},{"word":"someone","start":3249.01,"end":3249.25,"confidence":0.99968934,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.2892124056816101},{"word":"who's","start":3249.25,"end":3249.41,"confidence":0.9972818,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":0.2543478310108185},{"word":"wanting","start":3249.41,"end":3249.73,"confidence":0.99321586,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.24504980444908145},{"word":"to","start":3249.73,"end":3249.81,"confidence":0.99940825,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2349592447280884},{"word":"keep","start":3249.81,"end":3250.05,"confidence":0.99938583,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.25671806931495667},{"word":"their","start":3250.05,"end":3250.21,"confidence":0.9986204,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.2510814368724823},{"word":"funds","start":3250.21,"end":3250.61,"confidence":0.9993938,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.2356778979301453},{"word":"invested","start":3250.61,"end":3251.09,"confidence":0.9996939,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.18323686718940735},{"word":"for","start":3251.09,"end":3251.33,"confidence":0.9996848,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21267050504684448},{"word":"six","start":3251.33,"end":3251.57,"confidence":0.9991691,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.250236839056015},{"word":"years","start":3251.57,"end":3251.89,"confidence":0.9990332,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.23170945048332217},{"word":"or","start":3251.89,"end":3252.05,"confidence":0.97883725,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.27311813831329346},{"word":"longer","start":3252.05,"end":3252.55,"confidence":0.85083926,"punctuated_word":"longer.","sentiment":"neutral","sentiment_score":0.2973123788833618},{"word":"so","start":3252.865,"end":3253.0251,"confidence":0.99963987,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6092363595962524},{"word":"it","start":3253.0251,"end":3253.105,"confidence":0.9984451,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.63353431224823},{"word":"does","start":3253.105,"end":3253.425,"confidence":0.9982906,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.5708048939704895},{"word":"suit","start":3253.425,"end":3253.665,"confidence":0.69293326,"punctuated_word":"suit","sentiment":"positive","sentiment_score":0.46696290373802185},{"word":"the","start":3253.665,"end":3253.745,"confidence":0.96642315,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4817529618740082},{"word":"time","start":3253.745,"end":3253.985,"confidence":0.9988135,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.5299995541572571},{"word":"horizon","start":3253.985,"end":3254.465,"confidence":0.999408,"punctuated_word":"horizon","sentiment":"positive","sentiment_score":0.4945080280303955},{"word":"that","start":3254.465,"end":3254.625,"confidence":0.99946016,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5521335601806641},{"word":"you","start":3254.625,"end":3254.7852,"confidence":0.9998548,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5439078211784363},{"word":"both","start":3254.7852,"end":3255.105,"confidence":0.9957022,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.42827385663986206},{"word":"definitely","start":3255.105,"end":3255.585,"confidence":0.9991842,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.45557934045791626},{"word":"have","start":3255.585,"end":3256.085,"confidence":0.9984925,"punctuated_word":"have.","sentiment":"positive","sentiment_score":0.4019465148448944},{"word":"it","start":3256.705,"end":3256.945,"confidence":0.6693409,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.23827093839645383},{"word":"normally","start":3256.945,"end":3257.425,"confidence":0.9983004,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.22572506964206696},{"word":"sees","start":3257.425,"end":3257.8252,"confidence":0.6290991,"punctuated_word":"sees","sentiment":"neutral","sentiment_score":0.18480633199214935},{"word":"about","start":3257.8252,"end":3258.0652,"confidence":0.9837452,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.15726450085639954},{"word":"80%","start":3258.0652,"end":3258.705,"confidence":0.9995129,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.1569795459508896},{"word":"of","start":3258.705,"end":3258.7852,"confidence":0.99957675,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13288187980651855},{"word":"your","start":3258.7852,"end":3259.0251,"confidence":0.9821484,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14158110320568085},{"word":"super","start":3259.0251,"end":3259.425,"confidence":0.8562598,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2288547158241272},{"word":"invested","start":3259.425,"end":3259.8252,"confidence":0.826414,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.09590351581573486},{"word":"in","start":3259.8252,"end":3260.0652,"confidence":0.9465753,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16845935583114624},{"word":"growth","start":3260.0652,"end":3260.385,"confidence":0.87219316,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.16609640419483185},{"word":"assets","start":3260.385,"end":3260.865,"confidence":0.88573277,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.15757369995117188},{"word":"so","start":3260.865,"end":3261.105,"confidence":0.9638857,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11633525788784028},{"word":"think","start":3261.105,"end":3261.2651,"confidence":0.98387307,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.08923564851284027},{"word":"about","start":3261.2651,"end":3261.585,"confidence":0.9989754,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10353029519319534},{"word":"things","start":3261.585,"end":3261.8252,"confidence":0.99798703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.10571947693824768},{"word":"like","start":3261.8252,"end":3262.0652,"confidence":0.96384233,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08354106545448303},{"word":"australian","start":3262.0652,"end":3262.5652,"confidence":0.992645,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.11937496811151505},{"word":"shares","start":3262.705,"end":3263.205,"confidence":0.99789965,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.06974241137504578},{"word":"international","start":3263.665,"end":3264.165,"confidence":0.9980141,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.08395271748304367},{"word":"shares","start":3264.385,"end":3264.7852,"confidence":0.9804902,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.08453767001628876},{"word":"listed","start":3264.7852,"end":3265.185,"confidence":0.9948767,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.10730297863483428},{"word":"property","start":3265.185,"end":3265.585,"confidence":0.97633755,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.08390429615974426},{"word":"and","start":3265.585,"end":3265.745,"confidence":0.944386,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09860196709632874},{"word":"also","start":3265.745,"end":3266.19,"confidence":0.86608195,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10628456622362135},{"word":"commodities","start":3266.3499,"end":3266.8499,"confidence":0.79961383,"punctuated_word":"commodities,","sentiment":"neutral","sentiment_score":0.10535091161727904},{"word":"and","start":3267.0698,"end":3267.15,"confidence":0.9988764,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08804003894329071},{"word":"then","start":3267.15,"end":3267.39,"confidence":0.999461,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10531994700431824},{"word":"the","start":3267.39,"end":3267.55,"confidence":0.9990759,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08222272992134094},{"word":"other","start":3267.55,"end":3267.79,"confidence":0.9992926,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.067538321018219},{"word":"20%","start":3267.79,"end":3268.43,"confidence":0.9997246,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.09753017127513884},{"word":"in","start":3268.43,"end":3268.67,"confidence":0.99863297,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06430365145206451},{"word":"lower","start":3268.67,"end":3268.99,"confidence":0.9975013,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.07121556252241135},{"word":"risk","start":3268.99,"end":3269.23,"confidence":0.99835,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.03369089961051941},{"word":"defensive","start":3269.23,"end":3269.73,"confidence":0.7622533,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.01569889485836029},{"word":"investments","start":3269.79,"end":3270.29,"confidence":0.98951155,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.010700635612010956},{"word":"like","start":3270.3499,"end":3270.5898,"confidence":0.84765726,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06786449253559113},{"word":"cash","start":3270.5898,"end":3270.99,"confidence":0.9544063,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.04983362928032875},{"word":"bonds","start":3270.99,"end":3271.31,"confidence":0.94422156,"punctuated_word":"bonds,","sentiment":"neutral","sentiment_score":0.04381294921040535},{"word":"and","start":3271.31,"end":3271.47,"confidence":0.9997967,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04844384640455246},{"word":"fixed","start":3271.47,"end":3271.79,"confidence":0.9986266,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.05300470069050789},{"word":"interest","start":3271.79,"end":3272.29,"confidence":0.8863747,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.02917165867984295},{"word":"if","start":3272.67,"end":3272.8298,"confidence":0.99778664,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.041518621146678925},{"word":"you","start":3272.8298,"end":3272.99,"confidence":0.99902153,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.040299564599990845},{"word":"consider","start":3272.99,"end":3273.47,"confidence":0.9968664,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.04398198425769806},{"word":"the","start":3273.47,"end":3273.63,"confidence":0.9966101,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0392538383603096},{"word":"risk","start":3273.63,"end":3273.95,"confidence":0.99930656,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.09708625078201294},{"word":"level","start":3273.95,"end":3274.27,"confidence":0.99952555,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.07287844270467758},{"word":"out","start":3274.27,"end":3274.43,"confidence":0.9609303,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0650315210223198},{"word":"of","start":3274.43,"end":3274.5898,"confidence":0.9460757,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.10037139058113098},{"word":"say","start":3274.5898,"end":3274.91,"confidence":0.996309,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.1182011067867279},{"word":"five","start":3274.91,"end":3275.41,"confidence":0.8813642,"punctuated_word":"five,","sentiment":"neutral","sentiment_score":-0.12415844947099686},{"word":"five","start":3275.47,"end":3275.79,"confidence":0.9987639,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.10708189755678175},{"word":"being","start":3275.79,"end":3276.19,"confidence":0.9854113,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.07983893901109695},{"word":"the","start":3276.19,"end":3276.51,"confidence":0.9974241,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1261284053325653},{"word":"highest","start":3276.51,"end":3276.91,"confidence":0.99947566,"punctuated_word":"highest","sentiment":"neutral","sentiment_score":-0.1237361654639244},{"word":"risk","start":3276.91,"end":3277.23,"confidence":0.99937195,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.12763571739196777},{"word":"level","start":3277.23,"end":3277.73,"confidence":0.93389606,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":-0.14168989658355713},{"word":"all","start":3277.79,"end":3278.03,"confidence":0.9946827,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.09028589725494383},{"word":"money","start":3278.03,"end":3278.325,"confidence":0.9063408,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.14160287380218506},{"word":"in","start":3278.325,"end":3278.565,"confidence":0.9996094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.12689681351184845},{"word":"those","start":3278.565,"end":3278.805,"confidence":0.9995858,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.1059153527021408},{"word":"high","start":3278.805,"end":3279.085,"confidence":0.97574866,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.12237630039453506},{"word":"risk","start":3279.085,"end":3279.365,"confidence":0.999203,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.09313291311264038},{"word":"assets","start":3279.365,"end":3279.865,"confidence":0.84760743,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":-0.11901164054870604},{"word":"one","start":3280.165,"end":3280.405,"confidence":0.99943095,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.13930268585681915},{"word":"being","start":3280.405,"end":3280.645,"confidence":0.99888426,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.10940217971801758},{"word":"the","start":3280.645,"end":3280.885,"confidence":0.9989073,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13456545770168304},{"word":"lowest","start":3280.885,"end":3281.285,"confidence":0.99973613,"punctuated_word":"lowest","sentiment":"neutral","sentiment_score":-0.09185619652271272},{"word":"that's","start":3281.285,"end":3281.445,"confidence":0.9262426,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.12618625164031982},{"word":"sitting","start":3281.445,"end":3281.765,"confidence":0.99950457,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.13228684663772583},{"word":"all","start":3281.765,"end":3281.925,"confidence":0.9976749,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.12255214154720306},{"word":"in","start":3281.925,"end":3282.165,"confidence":0.99975485,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.18748430907726288},{"word":"cash","start":3282.165,"end":3282.665,"confidence":0.8415421,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":-0.186604306101799},{"word":"you're","start":3283.2048,"end":3283.445,"confidence":0.9988036,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.13654205203056335},{"word":"sitting","start":3283.445,"end":3283.765,"confidence":0.99979395,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.1532898098230362},{"word":"at","start":3283.765,"end":3283.925,"confidence":0.97930646,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13346025347709656},{"word":"about","start":3283.925,"end":3284.165,"confidence":0.9990175,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.13691826164722443},{"word":"a","start":3284.165,"end":3284.325,"confidence":0.9938725,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13909980654716492},{"word":"three","start":3284.325,"end":3284.825,"confidence":0.98176605,"punctuated_word":"three.","sentiment":"neutral","sentiment_score":-0.14021499454975128},{"word":"so","start":3284.9648,"end":3285.2048,"confidence":0.9983291,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1112545132637024},{"word":"you're","start":3285.2048,"end":3285.365,"confidence":0.9977354,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.14451853930950165},{"word":"kind","start":3285.365,"end":3285.525,"confidence":0.9980044,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.20616574585437775},{"word":"of","start":3285.525,"end":3285.685,"confidence":0.9997148,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1616690754890442},{"word":"in","start":3285.685,"end":3285.765,"confidence":0.99879754,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.17000296711921692},{"word":"that","start":3285.765,"end":3286.005,"confidence":0.9991014,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1406860649585724},{"word":"middle","start":3286.005,"end":3286.325,"confidence":0.9992618,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":-0.2544081211090088},{"word":"range","start":3286.325,"end":3286.7249,"confidence":0.9998259,"punctuated_word":"range","sentiment":"neutral","sentiment_score":-0.2242153435945511},{"word":"there","start":3286.7249,"end":3287.2249,"confidence":0.99896216,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.14625300467014313},{"word":"the","start":3288.005,"end":3288.505,"confidence":0.6611935,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.2652965486049652},{"word":"growth","start":3288.9648,"end":3289.365,"confidence":0.98429364,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.21250352263450625},{"word":"portfolio","start":3289.365,"end":3289.865,"confidence":0.9995172,"punctuated_word":"portfolio","sentiment":"negative","sentiment_score":-0.35193371772766113},{"word":"generally","start":3290.325,"end":3290.805,"confidence":0.99607676,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":-0.2812850773334503},{"word":"expects","start":3290.805,"end":3291.2048,"confidence":0.98372054,"punctuated_word":"expects","sentiment":"neutral","sentiment_score":-0.3057502210140228},{"word":"the","start":3291.2048,"end":3291.365,"confidence":0.6483489,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.30727988481521606},{"word":"likelihood","start":3291.365,"end":3291.865,"confidence":0.9987239,"punctuated_word":"likelihood","sentiment":"negative","sentiment_score":-0.35811787843704224},{"word":"of","start":3292.005,"end":3292.165,"confidence":0.9958794,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3656132221221924},{"word":"a","start":3292.165,"end":3292.2449,"confidence":0.99508375,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.42458122968673706},{"word":"negative","start":3292.2449,"end":3292.645,"confidence":0.999974,"punctuated_word":"negative","sentiment":"negative","sentiment_score":-0.40671035647392273},{"word":"return","start":3292.645,"end":3293.145,"confidence":0.96874064,"punctuated_word":"return,","sentiment":"negative","sentiment_score":-0.4457504749298096},{"word":"say","start":3293.16,"end":3293.4,"confidence":0.9088839,"punctuated_word":"say,","sentiment":"negative","sentiment_score":-0.3791850805282593},{"word":"one","start":3293.4,"end":3293.5598,"confidence":0.9970084,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.3627854883670807},{"word":"in","start":3293.5598,"end":3293.64,"confidence":0.98030317,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.28854963183403015},{"word":"every","start":3293.64,"end":3294.1199,"confidence":0.99967515,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.2180825471878052},{"word":"five","start":3294.1199,"end":3294.44,"confidence":0.9973966,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.2858354151248932},{"word":"years","start":3294.44,"end":3294.94,"confidence":0.92113113,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.2915498614311218},{"word":"the","start":3296.44,"end":3296.76,"confidence":0.5993446,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.3006618618965149},{"word":"expected","start":3296.76,"end":3297.24,"confidence":0.9977654,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":-0.27645787596702576},{"word":"returns","start":3297.24,"end":3297.72,"confidence":0.909072,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":-0.2770904004573822},{"word":"that","start":3297.72,"end":3297.88,"confidence":0.9997898,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2504742741584778},{"word":"you're","start":3297.88,"end":3298.1199,"confidence":0.9878135,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.2081637382507324},{"word":"sort","start":3298.1199,"end":3298.28,"confidence":0.998626,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2274802029132843},{"word":"of","start":3298.28,"end":3298.44,"confidence":0.98039883,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18219558894634247},{"word":"wanting","start":3298.44,"end":3298.76,"confidence":0.9997087,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.17260530591011047},{"word":"to","start":3298.76,"end":3298.92,"confidence":0.9992507,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1680157035589218},{"word":"achieve","start":3298.92,"end":3299.42,"confidence":0.999741,"punctuated_word":"achieve","sentiment":"neutral","sentiment_score":-0.12834510207176208},{"word":"on","start":3299.48,"end":3299.64,"confidence":0.9989737,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1354294717311859},{"word":"a","start":3299.64,"end":3299.72,"confidence":0.99924976,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16567453742027283},{"word":"yearly","start":3299.72,"end":3300.1199,"confidence":0.9998084,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":-0.13127171993255615},{"word":"basis","start":3300.1199,"end":3300.6199,"confidence":0.80445397,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":-0.1309443563222885},{"word":"compound","start":3300.68,"end":3301.0798,"confidence":0.8132069,"punctuated_word":"compound","sentiment":"neutral","sentiment_score":-0.07774864137172699},{"word":"and","start":3301.0798,"end":3301.24,"confidence":0.5999685,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1732761561870575},{"word":"forward","start":3301.24,"end":3301.5598,"confidence":0.9330847,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":-0.13937239348888397},{"word":"is","start":3301.5598,"end":3301.7998,"confidence":0.99927527,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.13769574463367462},{"word":"between","start":3301.7998,"end":3302.2998,"confidence":0.99788314,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.1535032093524933},{"word":"seven","start":3302.3599,"end":3302.5999,"confidence":0.9982667,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.16926056146621704},{"word":"to","start":3302.5999,"end":3302.8398,"confidence":0.9552854,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15340273082256317},{"word":"9%","start":3302.8398,"end":3303.5598,"confidence":0.989861,"punctuated_word":"9%.","sentiment":"neutral","sentiment_score":-0.18724863231182096},{"word":"so","start":3303.5598,"end":3303.7998,"confidence":0.99428576,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2632358968257904},{"word":"anything","start":3303.7998,"end":3304.2,"confidence":0.99547124,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.3198379874229431},{"word":"under","start":3304.2,"end":3304.44,"confidence":0.9584934,"punctuated_word":"under","sentiment":"negative","sentiment_score":-0.34169360995292664},{"word":"that","start":3304.44,"end":3304.5999,"confidence":0.9340803,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2904117703437805},{"word":"7%","start":3304.5999,"end":3305.3252,"confidence":0.8443439,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":-0.27396905422210693},{"word":"for","start":3305.3252,"end":3305.445,"confidence":0.96356755,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.34206655621528625},{"word":"the","start":3305.445,"end":3305.605,"confidence":0.9977937,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.29559484124183655},{"word":"year","start":3305.605,"end":3306.105,"confidence":0.9830409,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.27210497856140137},{"word":"the","start":3306.165,"end":3306.405,"confidence":0.99653935,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.34868425130844116},{"word":"portfolio","start":3306.405,"end":3306.905,"confidence":0.99928266,"punctuated_word":"portfolio","sentiment":"negative","sentiment_score":-0.4646511971950531},{"word":"has","start":3307.0452,"end":3307.2852,"confidence":0.9992366,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.45766714215278625},{"word":"underperformed","start":3307.2852,"end":3307.7852,"confidence":0.9861303,"punctuated_word":"underperformed.","sentiment":"negative","sentiment_score":-0.34333598613739014},{"word":"if","start":3308.405,"end":3308.645,"confidence":0.9984011,"punctuated_word":"If","sentiment":"negative","sentiment_score":-0.3983651101589203},{"word":"we","start":3308.645,"end":3308.725,"confidence":0.99986494,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.368343323469162},{"word":"are","start":3308.725,"end":3308.965,"confidence":0.9977859,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.39218321442604065},{"word":"getting","start":3308.965,"end":3309.205,"confidence":0.99969876,"punctuated_word":"getting","sentiment":"negative","sentiment_score":-0.3875505030155182},{"word":"those","start":3309.205,"end":3309.445,"confidence":0.99851686,"punctuated_word":"those","sentiment":"negative","sentiment_score":-0.35298028588294983},{"word":"sorts","start":3309.445,"end":3309.685,"confidence":0.96958846,"punctuated_word":"sorts","sentiment":"negative","sentiment_score":-0.3835391104221344},{"word":"of","start":3309.685,"end":3309.7651,"confidence":0.9994155,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3705539107322693},{"word":"lower","start":3309.7651,"end":3310.085,"confidence":0.9763115,"punctuated_word":"lower","sentiment":"negative","sentiment_score":-0.40831995010375977},{"word":"returns","start":3310.085,"end":3310.405,"confidence":0.99771225,"punctuated_word":"returns,","sentiment":"negative","sentiment_score":-0.3849515318870544},{"word":"we","start":3310.405,"end":3310.645,"confidence":0.99829787,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.33197981119155884},{"word":"wanna","start":3310.645,"end":3310.885,"confidence":0.96901536,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.3841646909713745},{"word":"make","start":3310.885,"end":3311.0452,"confidence":0.9988901,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.4049309492111206},{"word":"sure","start":3311.0452,"end":3311.2852,"confidence":0.99934906,"punctuated_word":"sure","sentiment":"negative","sentiment_score":-0.3760444223880768},{"word":"that","start":3311.2852,"end":3311.445,"confidence":0.9991371,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3821885287761688},{"word":"the","start":3311.445,"end":3311.605,"confidence":0.99837047,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4207780957221985},{"word":"market","start":3311.605,"end":3312.0051,"confidence":0.9985581,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.43713316321372986},{"word":"as","start":3312.0051,"end":3312.085,"confidence":0.9826512,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.4930776059627533},{"word":"a","start":3312.085,"end":3312.245,"confidence":0.9934849,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4186341166496277},{"word":"whole","start":3312.245,"end":3312.485,"confidence":0.9990601,"punctuated_word":"whole","sentiment":"negative","sentiment_score":-0.5074803233146667},{"word":"has","start":3312.485,"end":3312.725,"confidence":0.7797932,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.4420316517353058},{"word":"also","start":3312.725,"end":3313.125,"confidence":0.99901474,"punctuated_word":"also","sentiment":"negative","sentiment_score":-0.4208987057209015},{"word":"been","start":3313.125,"end":3313.365,"confidence":0.91906583,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.4429911375045776},{"word":"down","start":3313.365,"end":3313.7651,"confidence":0.99590003,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.3299824893474579},{"word":"that","start":3313.7651,"end":3314.0051,"confidence":0.9992637,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.275997132062912},{"word":"way","start":3314.0051,"end":3314.165,"confidence":0.758109,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.3138035535812378},{"word":"it","start":3314.165,"end":3314.3252,"confidence":0.99864477,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.29709431529045105},{"word":"sort","start":3314.3252,"end":3314.485,"confidence":0.9960057,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.29095253348350525},{"word":"of","start":3314.485,"end":3314.645,"confidence":0.8686099,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.29710957407951355},{"word":"shows","start":3314.645,"end":3314.965,"confidence":0.9968054,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":-0.3045116662979126},{"word":"that","start":3314.965,"end":3315.2852,"confidence":0.9966524,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.28675132989883423},{"word":"the","start":3315.2852,"end":3315.445,"confidence":0.994639,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.32219454646110535},{"word":"return","start":3315.445,"end":3315.845,"confidence":0.99535036,"punctuated_word":"return","sentiment":"negative","sentiment_score":-0.3813913464546203},{"word":"being","start":3315.845,"end":3316.085,"confidence":0.99439245,"punctuated_word":"being","sentiment":"negative","sentiment_score":-0.342490553855896},{"word":"lower","start":3316.085,"end":3316.405,"confidence":0.99461997,"punctuated_word":"lower","sentiment":"negative","sentiment_score":-0.411469042301178},{"word":"is","start":3316.405,"end":3316.645,"confidence":0.9806857,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3567492961883545},{"word":"because","start":3316.645,"end":3316.7651,"confidence":0.94329304,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.33387383818626404},{"word":"of","start":3316.7651,"end":3316.885,"confidence":0.96823055,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.42347320914268494},{"word":"market","start":3316.885,"end":3317.005,"confidence":0.966643,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.47807905077934265},{"word":"reactions","start":3317.005,"end":3317.125,"confidence":0.8109426,"punctuated_word":"reactions,","sentiment":"negative","sentiment_score":-0.3753436505794525},{"word":"not","start":3317.125,"end":3317.2852,"confidence":0.6827827,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.34009552001953125},{"word":"because","start":3317.2852,"end":3317.7852,"confidence":0.7436132,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.3175419270992279},{"word":"portfolio","start":3318.81,"end":3319.31,"confidence":0.57370335,"punctuated_word":"portfolio","sentiment":"negative","sentiment_score":-0.4532530903816223},{"word":"hasn't","start":3320.49,"end":3320.8901,"confidence":0.96965706,"punctuated_word":"hasn't","sentiment":"negative","sentiment_score":-0.33354172110557556},{"word":"performed","start":3320.8901,"end":3321.3901,"confidence":0.94127476,"punctuated_word":"performed.","sentiment":"neutral","sentiment_score":-0.3068300783634186},{"word":"if","start":3321.4502,"end":3321.61,"confidence":0.5115099,"punctuated_word":"If","sentiment":"negative","sentiment_score":-0.3535976707935333},{"word":"that's","start":3321.61,"end":3321.85,"confidence":0.95394796,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.3476238250732422},{"word":"the","start":3321.85,"end":3322.09,"confidence":0.8585402,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.33953171968460083},{"word":"case","start":3322.09,"end":3322.33,"confidence":0.9553981,"punctuated_word":"case,","sentiment":"negative","sentiment_score":-0.3395426869392395},{"word":"it","start":3322.33,"end":3322.4102,"confidence":0.8237618,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.37715592980384827},{"word":"means","start":3322.4102,"end":3322.6501,"confidence":0.83337003,"punctuated_word":"means","sentiment":"negative","sentiment_score":-0.3976593613624573},{"word":"that","start":3322.6501,"end":3322.73,"confidence":0.89899445,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3991852402687073},{"word":"there's","start":3322.73,"end":3322.8901,"confidence":0.91697824,"punctuated_word":"there's","sentiment":"negative","sentiment_score":-0.44573625922203064},{"word":"something","start":3322.8901,"end":3323.05,"confidence":0.72207373,"punctuated_word":"something","sentiment":"negative","sentiment_score":-0.49631601572036743},{"word":"wrong","start":3323.05,"end":3323.1301,"confidence":0.9220383,"punctuated_word":"wrong","sentiment":"negative","sentiment_score":-0.5247581005096436},{"word":"with","start":3323.1301,"end":3323.6301,"confidence":0.86079663,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.5312244892120361},{"word":"the","start":3323.6902,"end":3323.77,"confidence":0.87457156,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4912078380584717},{"word":"portfolio","start":3323.77,"end":3324.27,"confidence":0.8194716,"punctuated_word":"portfolio,","sentiment":"negative","sentiment_score":-0.4706933796405792},{"word":"not","start":3324.6501,"end":3324.81,"confidence":0.8680012,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3711267113685608},{"word":"the","start":3324.81,"end":3324.9702,"confidence":0.93489856,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4475474357604981},{"word":"market","start":3324.9702,"end":3325.29,"confidence":0.87111986,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.3687140345573426},{"word":"as","start":3325.29,"end":3325.4102,"confidence":0.8116432,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.4665578603744507},{"word":"a","start":3325.4102,"end":3325.53,"confidence":0.91986585,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4245712757110596},{"word":"whole","start":3325.53,"end":3326.03,"confidence":0.97519064,"punctuated_word":"whole.","sentiment":"negative","sentiment_score":-0.38498300313949585},{"word":"and","start":3327.53,"end":3327.6902,"confidence":0.91430455,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.16566866636276245},{"word":"then","start":3327.6902,"end":3327.9302,"confidence":0.91952413,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.18180404603481293},{"word":"anything","start":3327.9302,"end":3328.33,"confidence":0.95625836,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.2769055962562561},{"word":"over","start":3328.33,"end":3328.57,"confidence":0.861364,"punctuated_word":"over","sentiment":"negative","sentiment_score":-0.3427426517009735},{"word":"9%","start":3328.57,"end":3328.6802,"confidence":0.8748995,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":-0.22166654467582703},{"word":"is","start":3328.6802,"end":3328.6838,"confidence":0.970656,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.3122321367263794},{"word":"essentially","start":3328.6838,"end":3328.6873,"confidence":0.7447561,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.27758413553237915},{"word":"an","start":3328.6873,"end":3328.691,"confidence":0.96745634,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.3037218451499939},{"word":"overperformance","start":3328.691,"end":3328.6943,"confidence":0.59717125,"punctuated_word":"overperformance","sentiment":"negative","sentiment_score":-0.3876120448112488},{"word":"there","start":3328.6943,"end":3328.698,"confidence":0.9738921,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.1401263326406479},{"word":"a","start":3328.698,"end":3328.7014,"confidence":0.8347036,"punctuated_word":"A","sentiment":"positive","sentiment_score":0.38647904992103577},{"word":"lot","start":3328.7014,"end":3328.705,"confidence":0.9317343,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.3948385417461395},{"word":"of","start":3328.705,"end":3328.7087,"confidence":0.95251447,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.41148436069488525},{"word":"the","start":3328.7087,"end":3328.7122,"confidence":0.9388062,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3829024136066437},{"word":"portfolios","start":3328.7122,"end":3328.7158,"confidence":0.8299441,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.31299883127212524},{"word":"do","start":3328.7158,"end":3328.7192,"confidence":0.9236426,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4699360728263855},{"word":"get","start":3328.7192,"end":3328.723,"confidence":0.9667854,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4986686408519745},{"word":"more","start":3328.723,"end":3328.7263,"confidence":0.61348367,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5056798458099365},{"word":"than","start":3328.7263,"end":3328.73,"confidence":0.23809081,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.4554399847984314},{"word":"9%","start":3328.73,"end":3329.4702,"confidence":0.30215657,"punctuated_word":"9%.","sentiment":"positive","sentiment_score":0.42137211561203},{"word":"overperformance","start":3331.015,"end":3331.515,"confidence":0.8178457,"punctuated_word":"Overperformance","sentiment":"positive","sentiment_score":0.3713558316230774},{"word":"there","start":3331.895,"end":3332.395,"confidence":0.9946462,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.3676290214061737},{"word":"a","start":3332.775,"end":3332.935,"confidence":0.8163828,"punctuated_word":"A","sentiment":"positive","sentiment_score":0.4691340923309326},{"word":"lot","start":3332.935,"end":3333.095,"confidence":0.99979013,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.4703998267650604},{"word":"of","start":3333.095,"end":3333.175,"confidence":0.9999454,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5388393998146057},{"word":"the","start":3333.175,"end":3333.335,"confidence":0.99974877,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5059114694595337},{"word":"portfolios","start":3333.335,"end":3333.835,"confidence":0.9889593,"punctuated_word":"portfolios","sentiment":"positive","sentiment_score":0.465165913105011},{"word":"do","start":3334.055,"end":3334.215,"confidence":0.99890196,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5075897574424744},{"word":"get","start":3334.215,"end":3334.455,"confidence":0.9934803,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.47079765796661377},{"word":"more","start":3334.455,"end":3334.615,"confidence":0.99989736,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5078467130661011},{"word":"than","start":3334.615,"end":3334.855,"confidence":0.9996792,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.42897269129753113},{"word":"9%","start":3334.855,"end":3335.415,"confidence":0.99940574,"punctuated_word":"9%","sentiment":"positive","sentiment_score":0.42644059658050537},{"word":"or","start":3335.415,"end":3335.575,"confidence":0.9860745,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.3587033152580261},{"word":"have","start":3335.575,"end":3335.815,"confidence":0.9995109,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.37398120760917664},{"word":"averaged","start":3335.815,"end":3336.135,"confidence":0.7579351,"punctuated_word":"averaged","sentiment":"positive","sentiment_score":0.4500496983528137},{"word":"more","start":3336.135,"end":3336.375,"confidence":0.99970573,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.44419389963150024},{"word":"than","start":3336.375,"end":3336.535,"confidence":0.9998425,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.3897993564605713},{"word":"9%","start":3336.535,"end":3337.095,"confidence":0.9888478,"punctuated_word":"9%,","sentiment":"positive","sentiment_score":0.406256765127182},{"word":"and","start":3337.095,"end":3337.255,"confidence":0.99858826,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4122735857963562},{"word":"we","start":3337.255,"end":3337.415,"confidence":0.9998903,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4700254499912262},{"word":"wanna","start":3337.415,"end":3337.735,"confidence":0.9724697,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.5746981501579285},{"word":"aim","start":3337.735,"end":3337.895,"confidence":0.9997999,"punctuated_word":"aim","sentiment":"positive","sentiment_score":0.5827942490577698},{"word":"for","start":3337.895,"end":3338.055,"confidence":0.9932001,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5584188103675842},{"word":"the","start":3338.055,"end":3338.215,"confidence":0.999185,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5284212827682495},{"word":"best","start":3338.215,"end":3338.455,"confidence":0.99992585,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.5049614310264587},{"word":"possible","start":3338.455,"end":3338.935,"confidence":0.9993911,"punctuated_word":"possible","sentiment":"positive","sentiment_score":0.5056105256080627},{"word":"return","start":3338.935,"end":3339.435,"confidence":0.8837712,"punctuated_word":"return.","sentiment":"positive","sentiment_score":0.4449376761913299},{"word":"but","start":3340.055,"end":3340.295,"confidence":0.9941923,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2582738399505615},{"word":"we","start":3340.295,"end":3340.455,"confidence":0.99960214,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23747481405735016},{"word":"sort","start":3340.455,"end":3340.695,"confidence":0.9973636,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2120380997657776},{"word":"of","start":3340.695,"end":3340.855,"confidence":0.9993205,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2393319010734558},{"word":"look","start":3340.855,"end":3341.015,"confidence":0.9989699,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.17208121716976166},{"word":"at","start":3341.015,"end":3341.175,"confidence":0.9997961,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18277950584888455},{"word":"the","start":3341.175,"end":3341.335,"confidence":0.98021275,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2736031711101532},{"word":"seven","start":3341.335,"end":3341.655,"confidence":0.99802065,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.254343181848526},{"word":"to","start":3341.655,"end":3341.815,"confidence":0.9662872,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12895497679710388},{"word":"9%","start":3341.815,"end":3342.375,"confidence":0.9997151,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":0.22267386317253113},{"word":"as","start":3342.375,"end":3342.72,"confidence":0.99873286,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2150825411081314},{"word":"an","start":3342.88,"end":3343.1199,"confidence":0.9995258,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.16339418292045593},{"word":"average","start":3343.1199,"end":3343.44,"confidence":0.9997923,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.2140502780675888},{"word":"of","start":3343.44,"end":3343.52,"confidence":0.9995167,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2164515256881714},{"word":"what","start":3343.52,"end":3343.76,"confidence":0.9999355,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.26497194170951843},{"word":"you","start":3343.76,"end":3343.92,"confidence":0.9997266,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22665347158908844},{"word":"should","start":3343.92,"end":3344.16,"confidence":0.9998522,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.24943773448467255},{"word":"be","start":3344.16,"end":3344.32,"confidence":0.9995641,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.31945452094078064},{"word":"able","start":3344.32,"end":3344.56,"confidence":0.99972063,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.3152644634246826},{"word":"to","start":3344.56,"end":3344.72,"confidence":0.99044496,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.33356985449790955},{"word":"achieve","start":3344.72,"end":3345.1199,"confidence":0.9990765,"punctuated_word":"achieve","sentiment":"neutral","sentiment_score":0.29748478531837463},{"word":"in","start":3345.1199,"end":3345.3599,"confidence":0.99903727,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3042478561401367},{"word":"that","start":3345.3599,"end":3345.5999,"confidence":0.9992312,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26976466178894043},{"word":"risk","start":3345.5999,"end":3345.92,"confidence":0.9988085,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.17208285629749298},{"word":"profile","start":3345.92,"end":3346.42,"confidence":0.9885083,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.20493558049201965},{"word":"given","start":3346.48,"end":3346.8,"confidence":0.816941,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.3123282194137573},{"word":"the","start":3346.8,"end":3346.96,"confidence":0.9962077,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22964830696582791},{"word":"risk","start":3346.96,"end":3347.2,"confidence":0.9962831,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.1972750425338745},{"word":"you","start":3347.2,"end":3347.44,"confidence":0.9970987,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20202094316482544},{"word":"are","start":3347.44,"end":3347.5999,"confidence":0.99678504,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18351086974143985},{"word":"taking","start":3347.5999,"end":3348.0,"confidence":0.998276,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.20973315834999084},{"word":"and","start":3348.0,"end":3348.24,"confidence":0.9796317,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23747645318508148},{"word":"the","start":3348.24,"end":3348.32,"confidence":0.9947837,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2094023823738098},{"word":"type","start":3348.32,"end":3348.64,"confidence":0.9900804,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.12535658478736875},{"word":"of","start":3348.64,"end":3348.8,"confidence":0.9950493,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20858675241470337},{"word":"asset","start":3348.8,"end":3349.1199,"confidence":0.99066985,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.12366726994514464},{"word":"allocation","start":3349.1199,"end":3349.6199,"confidence":0.99950707,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.23704715073108673},{"word":"that","start":3349.68,"end":3349.84,"confidence":0.996305,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2633523941040039},{"word":"you","start":3349.84,"end":3350.0,"confidence":0.99701643,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1917973756790161},{"word":"have","start":3350.0,"end":3350.5,"confidence":0.9959886,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.18310871720314023},{"word":"does","start":3351.3599,"end":3351.5999,"confidence":0.86408323,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.15302002429962158},{"word":"that","start":3351.5999,"end":3351.76,"confidence":0.996391,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1817920207977295},{"word":"make","start":3351.76,"end":3352.0,"confidence":0.98856074,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.14498749375343323},{"word":"sense","start":3352.0,"end":3352.24,"confidence":0.99852496,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.12513504922389984},{"word":"do","start":3352.24,"end":3352.4,"confidence":0.9911027,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.06921836733818054},{"word":"you","start":3352.4,"end":3352.56,"confidence":0.9922173,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07431717962026596},{"word":"have","start":3352.56,"end":3352.72,"confidence":0.9920648,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05598750337958336},{"word":"any","start":3352.72,"end":3353.04,"confidence":0.9820765,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03872742876410484},{"word":"questions","start":3353.04,"end":3353.44,"confidence":0.9952462,"punctuated_word":"questions?","sentiment":"neutral","sentiment_score":0.0476032979786396},{"word":"do","start":3353.44,"end":3353.5999,"confidence":0.9910007,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.04442534223198891},{"word":"you","start":3353.5999,"end":3353.76,"confidence":0.9951102,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05547415465116501},{"word":"both","start":3353.76,"end":3354.08,"confidence":0.95800465,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.04609518498182297},{"word":"feel","start":3354.08,"end":3354.32,"confidence":0.9685706,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.04387790709733963},{"word":"comfortable","start":3354.32,"end":3354.8,"confidence":0.9968726,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.04455365240573883},{"word":"in","start":3354.8,"end":3354.96,"confidence":0.9404386,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09083913266658784},{"word":"that","start":3354.96,"end":3355.2,"confidence":0.956664,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1469527631998062},{"word":"sort","start":3355.2,"end":3355.3599,"confidence":0.9221455,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07980567961931229},{"word":"of","start":3355.3599,"end":3355.8599,"confidence":0.8206726,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14464665949344635},{"word":"absolutely","start":3365.905,"end":3366.405,"confidence":0.8053597,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.20877453684806824},{"word":"yes","start":3366.945,"end":3367.445,"confidence":0.81935406,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2325969934463501},{"word":"absolutely","start":3368.945,"end":3369.445,"confidence":0.9980658,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.28890615701675415},{"word":"and","start":3369.905,"end":3370.145,"confidence":0.8077066,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.25107342004776},{"word":"normally","start":3370.145,"end":3370.625,"confidence":0.999848,"punctuated_word":"normally,","sentiment":"neutral","sentiment_score":0.2856829762458801},{"word":"because","start":3370.625,"end":3370.945,"confidence":0.9997358,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.24274927377700808},{"word":"of","start":3370.945,"end":3371.105,"confidence":0.98666626,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.218893364071846},{"word":"with","start":3371.105,"end":3371.2651,"confidence":0.49854535,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.227727472782135},{"word":"this","start":3371.2651,"end":3371.55,"confidence":0.99872464,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2116398960351944},{"word":"risk","start":3371.6301,"end":3371.79,"confidence":0.99323225,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.15158872306346893},{"word":"profile","start":3371.79,"end":3372.29,"confidence":0.9980497,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":0.1833080947399139},{"word":"it","start":3372.75,"end":3372.99,"confidence":0.79297376,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28317877650260925},{"word":"does","start":3372.99,"end":3373.23,"confidence":0.9994549,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.27403947710990906},{"word":"fit","start":3373.23,"end":3373.3901,"confidence":0.477221,"punctuated_word":"fit","sentiment":"neutral","sentiment_score":0.204020157456398},{"word":"a","start":3373.3901,"end":3373.55,"confidence":0.9714049,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19262629747390747},{"word":"six","start":3373.55,"end":3373.79,"confidence":0.4609483,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.14254756271839142},{"word":"year","start":3373.79,"end":3373.95,"confidence":0.99458426,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.11569364368915558},{"word":"time","start":3373.95,"end":3374.19,"confidence":0.9919314,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.15725752711296082},{"word":"horizon","start":3374.19,"end":3374.69,"confidence":0.99835956,"punctuated_word":"horizon.","sentiment":"neutral","sentiment_score":0.1549273580312729},{"word":"i","start":3375.1501,"end":3375.31,"confidence":0.9789929,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11048240959644318},{"word":"normally","start":3375.31,"end":3375.71,"confidence":0.9775918,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.11951810866594316},{"word":"would","start":3375.71,"end":3375.87,"confidence":0.9995098,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07545965909957886},{"word":"not","start":3375.87,"end":3376.03,"confidence":0.9999391,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03042091429233551},{"word":"want","start":3376.03,"end":3376.27,"confidence":0.9997938,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.027553744614124295},{"word":"you","start":3376.27,"end":3376.51,"confidence":0.9998424,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09491392970085144},{"word":"to","start":3376.51,"end":3376.59,"confidence":0.99964726,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012844204902648926},{"word":"be","start":3376.59,"end":3376.75,"confidence":0.9998023,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0108514204621315},{"word":"in","start":3376.75,"end":3376.9102,"confidence":0.9998504,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.019885286688804623},{"word":"this","start":3376.9102,"end":3377.4102,"confidence":0.9997985,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0008160769939422607},{"word":"for","start":3377.95,"end":3378.19,"confidence":0.99693286,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.012714140117168428},{"word":"any","start":3378.19,"end":3378.43,"confidence":0.9998636,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.028076164424419403},{"word":"longer","start":3378.43,"end":3378.75,"confidence":0.999915,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.04796662926673889},{"word":"than","start":3378.75,"end":3378.99,"confidence":0.9996376,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.08409740030765533},{"word":"you","start":3378.99,"end":3379.1501,"confidence":0.9998816,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09593280404806136},{"word":"need","start":3379.1501,"end":3379.31,"confidence":0.99983513,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05638880282640457},{"word":"to","start":3379.31,"end":3379.47,"confidence":0.99877363,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05274347215890885},{"word":"be","start":3379.47,"end":3379.97,"confidence":0.98547256,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.05148759111762047},{"word":"so","start":3380.35,"end":3380.51,"confidence":0.91292304,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18097588419914248},{"word":"when","start":3380.51,"end":3380.6702,"confidence":0.9995802,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.18402700126171112},{"word":"you","start":3380.6702,"end":3380.83,"confidence":0.99965775,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2022932469844818},{"word":"do","start":3380.83,"end":3381.07,"confidence":0.99964,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15729308128356934},{"word":"get","start":3381.07,"end":3381.23,"confidence":0.9992873,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15208032727241516},{"word":"about","start":3381.23,"end":3381.6301,"confidence":0.99617344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14295920729637146},{"word":"sort","start":3381.6301,"end":3381.79,"confidence":0.962764,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1403929591178894},{"word":"of","start":3381.79,"end":3382.11,"confidence":0.99732625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16027289628982544},{"word":"six","start":3382.11,"end":3382.35,"confidence":0.9955023,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.13051530718803406},{"word":"years","start":3382.35,"end":3382.6702,"confidence":0.99938047,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.09410381317138672},{"word":"out","start":3382.6702,"end":3383.07,"confidence":0.999323,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.14955759048461914},{"word":"we","start":3383.07,"end":3383.31,"confidence":0.9989794,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23510926961898804},{"word":"do","start":3383.31,"end":3383.47,"confidence":0.99977845,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23338331282138824},{"word":"wanna","start":3383.47,"end":3383.79,"confidence":0.9887278,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.257612943649292},{"word":"look","start":3383.79,"end":3384.03,"confidence":0.9983364,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.19423407316207889},{"word":"at","start":3384.03,"end":3384.19,"confidence":0.99925476,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1755719631910324},{"word":"maybe","start":3384.19,"end":3384.51,"confidence":0.98621297,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.22383570671081543},{"word":"reducing","start":3384.51,"end":3384.975,"confidence":0.82905835,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.15616662800312042},{"word":"the","start":3384.975,"end":3385.215,"confidence":0.9897731,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10157305002212524},{"word":"risk","start":3385.215,"end":3385.375,"confidence":0.9997807,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.012714765965938568},{"word":"level","start":3385.375,"end":3385.695,"confidence":0.9991672,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.05722927302122116},{"word":"a","start":3385.695,"end":3385.7751,"confidence":0.9032408,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17670996487140656},{"word":"bit","start":3385.7751,"end":3386.0151,"confidence":0.99958724,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.19043007493019104},{"word":"for","start":3386.0151,"end":3386.175,"confidence":0.9996793,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1809043884277344},{"word":"you","start":3386.175,"end":3386.3352,"confidence":0.99945456,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2090470790863037},{"word":"guys","start":3386.3352,"end":3386.5752,"confidence":0.8721753,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":0.20838019251823425},{"word":"and","start":3386.5752,"end":3386.735,"confidence":0.99916935,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18974252045154572},{"word":"we","start":3386.735,"end":3386.895,"confidence":0.9998994,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18761321902275083},{"word":"start","start":3386.895,"end":3387.215,"confidence":0.9990596,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.1746440231800079},{"word":"to","start":3387.215,"end":3387.375,"confidence":0.99848783,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18701067566871643},{"word":"reduce","start":3387.375,"end":3387.695,"confidence":0.99963963,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.07929708063602448},{"word":"it","start":3387.695,"end":3387.855,"confidence":0.9958627,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0926479995250702},{"word":"in","start":3387.855,"end":3388.0952,"confidence":0.99625397,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14333777129650116},{"word":"increments","start":3388.0952,"end":3388.5752,"confidence":0.967711,"punctuated_word":"increments.","sentiment":"neutral","sentiment_score":0.10880806297063828},{"word":"so","start":3388.5752,"end":3388.735,"confidence":0.99911433,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15640749037265778},{"word":"we","start":3388.735,"end":3388.975,"confidence":0.996905,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19605541229248047},{"word":"step","start":3388.975,"end":3389.215,"confidence":0.98093754,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.2158270925283432},{"word":"down","start":3389.215,"end":3389.715,"confidence":0.9997147,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.13786208629608154},{"word":"generally","start":3390.2551,"end":3390.655,"confidence":0.92155504,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.1655692160129547},{"word":"in","start":3390.655,"end":3390.8152,"confidence":0.9954365,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20096641778945923},{"word":"10%","start":3390.8152,"end":3391.375,"confidence":0.999451,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.2119963765144348},{"word":"increments","start":3391.375,"end":3391.875,"confidence":0.98948187,"punctuated_word":"increments.","sentiment":"neutral","sentiment_score":0.1473388969898224},{"word":"that","start":3392.415,"end":3392.5752,"confidence":0.6189514,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.17092958092689514},{"word":"way","start":3392.5752,"end":3392.8152,"confidence":0.88301337,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.2456570267677307},{"word":"it's","start":3392.8152,"end":3393.0552,"confidence":0.999722,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.22922050952911377},{"word":"not","start":3393.0552,"end":3393.215,"confidence":0.99976295,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.21464453637599945},{"word":"a","start":3393.215,"end":3393.2952,"confidence":0.9573997,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2555610239505768},{"word":"drastic","start":3393.2952,"end":3393.7952,"confidence":0.9996309,"punctuated_word":"drastic","sentiment":"neutral","sentiment_score":0.14094728231430054},{"word":"change","start":3393.855,"end":3394.175,"confidence":0.9986324,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.12489606440067293},{"word":"to","start":3394.175,"end":3394.2551,"confidence":0.9983491,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14609426259994507},{"word":"your","start":3394.2551,"end":3394.495,"confidence":0.99972516,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1210521161556244},{"word":"risk","start":3394.495,"end":3394.655,"confidence":0.9998549,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.05628298223018646},{"word":"level","start":3394.655,"end":3395.0552,"confidence":0.829867,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":0.17639896273612976},{"word":"your","start":3395.0552,"end":3395.215,"confidence":0.9984425,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17374582588672638},{"word":"portfolio","start":3395.215,"end":3395.715,"confidence":0.99814045,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.17284107208251953},{"word":"but","start":3395.7751,"end":3396.0151,"confidence":0.99870336,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2445170283317566},{"word":"it","start":3396.0151,"end":3396.175,"confidence":0.9986193,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2632417678833008},{"word":"steps","start":3396.175,"end":3396.495,"confidence":0.95143497,"punctuated_word":"steps","sentiment":"neutral","sentiment_score":0.2580298185348511},{"word":"you","start":3396.495,"end":3396.655,"confidence":0.99821436,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24784263968467712},{"word":"down","start":3396.655,"end":3396.895,"confidence":0.99938285,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.13742689788341522},{"word":"in","start":3396.895,"end":3396.975,"confidence":0.99210745,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18137384951114657},{"word":"increments","start":3396.975,"end":3397.475,"confidence":0.99840945,"punctuated_word":"increments","sentiment":"neutral","sentiment_score":0.1788480281829834},{"word":"towards","start":3397.5352,"end":3398.0151,"confidence":0.9936877,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.16545775532722473},{"word":"being","start":3398.0151,"end":3398.175,"confidence":0.973505,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.18925803899765015},{"word":"lower","start":3398.175,"end":3398.495,"confidence":0.9960139,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.09495198726654051},{"word":"risk","start":3398.495,"end":3398.735,"confidence":0.98555714,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.0613819807767868},{"word":"towards","start":3398.735,"end":3398.975,"confidence":0.49795046,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.1689162701368332},{"word":"your","start":3398.975,"end":3399.2952,"confidence":0.98369133,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13791930675506592},{"word":"comfort","start":3399.2952,"end":3399.615,"confidence":0.9936527,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.06845276802778244},{"word":"level","start":3399.615,"end":3399.9,"confidence":0.98090804,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.11824864149093628},{"word":"at","start":3400.0598,"end":3400.2998,"confidence":0.99837554,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13612514734268188},{"word":"that","start":3400.2998,"end":3400.5398,"confidence":0.98912793,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1278047114610672},{"word":"retirement","start":3400.5398,"end":3401.0398,"confidence":0.9982685,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.08451789617538452},{"word":"age","start":3401.26,"end":3401.76,"confidence":0.99707663,"punctuated_word":"age.","sentiment":"neutral","sentiment_score":0.08453522622585297},{"word":"does","start":3401.8198,"end":3401.98,"confidence":0.99811244,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.10583876818418504},{"word":"that","start":3401.98,"end":3402.14,"confidence":0.9999131,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12382297962903976},{"word":"make","start":3402.14,"end":3402.38,"confidence":0.9960854,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09682203829288484},{"word":"sense","start":3402.38,"end":3402.88,"confidence":0.9997623,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.07597024738788605},{"word":"yep","start":3404.14,"end":3404.64,"confidence":0.832598,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11318053305149078},{"word":"beautiful","start":3404.7798,"end":3405.2798,"confidence":0.9936751,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.3580128848552704},{"word":"are","start":3406.8599,"end":3407.02,"confidence":0.8828124,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.13351336121559143},{"word":"you","start":3407.02,"end":3407.18,"confidence":0.999374,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.103802390396595},{"word":"both","start":3407.18,"end":3407.42,"confidence":0.9958896,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.07696734368801117},{"word":"fairly","start":3407.42,"end":3407.74,"confidence":0.9875395,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.09720155596733092},{"word":"comfortable","start":3407.74,"end":3408.22,"confidence":0.9986852,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.05721038952469826},{"word":"looking","start":3408.22,"end":3408.46,"confidence":0.9992656,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.10625915229320526},{"word":"at","start":3408.46,"end":3408.6199,"confidence":0.998884,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07750803977251053},{"word":"the","start":3408.6199,"end":3408.7,"confidence":0.9961784,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06668524444103241},{"word":"growth","start":3408.7,"end":3409.0999,"confidence":0.9468294,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1691836416721344},{"word":"portfolio","start":3409.0999,"end":3409.5999,"confidence":0.99793243,"punctuated_word":"portfolio?","sentiment":"neutral","sentiment_score":0.08847349882125854},{"word":"you're","start":3409.66,"end":3409.9,"confidence":0.9996892,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.020310351625084877},{"word":"welcome","start":3409.9,"end":3410.22,"confidence":0.9996056,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.08169953525066376},{"word":"to","start":3410.22,"end":3410.2998,"confidence":0.9986449,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01954317092895508},{"word":"let","start":3410.2998,"end":3410.46,"confidence":0.9998242,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.03159290552139282},{"word":"me","start":3410.46,"end":3410.6199,"confidence":0.9994223,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.03287576884031296},{"word":"know","start":3410.6199,"end":3410.7,"confidence":0.9997137,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.03480050712823868},{"word":"if","start":3410.7,"end":3410.8599,"confidence":0.8251659,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.044578470289707184},{"word":"you're","start":3410.8599,"end":3411.02,"confidence":0.99835026,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.05949726700782776},{"word":"not","start":3411.02,"end":3411.18,"confidence":0.9962282,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.03202854096889496},{"word":"you're","start":3411.18,"end":3411.3398,"confidence":0.9997084,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.003391170408576727},{"word":"welcome","start":3411.3398,"end":3411.74,"confidence":0.9993411,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.06801777333021164},{"word":"to","start":3411.74,"end":3411.8198,"confidence":0.99755293,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006161697208881378},{"word":"ask","start":3411.8198,"end":3412.0598,"confidence":0.99857855,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.01848071813583374},{"word":"any","start":3412.0598,"end":3412.2998,"confidence":0.99843544,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.01739973947405815},{"word":"additional","start":3412.2998,"end":3412.7998,"confidence":0.9991315,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.03541380912065506},{"word":"questions","start":3412.815,"end":3413.2148,"confidence":0.9918453,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.02385084703564644},{"word":"if","start":3413.2148,"end":3413.295,"confidence":0.99280494,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04050850495696068},{"word":"you","start":3413.295,"end":3413.795,"confidence":0.99981576,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013874884694814682},{"word":"have","start":3415.1748,"end":3415.6748,"confidence":0.9974814,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03981306403875351},{"word":"them","start":3417.055,"end":3417.555,"confidence":0.99833256,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.15743082761764526},{"word":"yep","start":3419.055,"end":3419.375,"confidence":0.7998208,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07614807784557343},{"word":"that's","start":3419.375,"end":3419.6948,"confidence":0.9996166,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12206166982650755},{"word":"okay","start":3419.6948,"end":3420.015,"confidence":0.99942505,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.14791789650917053},{"word":"you're","start":3420.015,"end":3420.175,"confidence":0.99792063,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.1555705964565277},{"word":"comfortable","start":3420.175,"end":3420.655,"confidence":0.99908614,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.12287276238203047},{"word":"in","start":3420.655,"end":3420.815,"confidence":0.99866545,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1770711988210678},{"word":"that","start":3420.815,"end":3420.9749,"confidence":0.9991756,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23101571202278137},{"word":"environment","start":3420.9749,"end":3421.4548,"confidence":0.999853,"punctuated_word":"environment","sentiment":"neutral","sentiment_score":0.20860633254051208},{"word":"there","start":3421.4548,"end":3421.6948,"confidence":0.9858833,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.21315473318099976},{"word":"lisa","start":3421.6948,"end":3422.095,"confidence":0.9335617,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":0.1553075909614563},{"word":"still","start":3422.095,"end":3422.595,"confidence":0.9766631,"punctuated_word":"still?","sentiment":"neutral","sentiment_score":0.11164426803588869},{"word":"yep","start":3423.855,"end":3424.355,"confidence":0.90879357,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19755268096923828},{"word":"beautiful","start":3424.655,"end":3425.155,"confidence":0.9993351,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5037297010421753},{"word":"all","start":3425.375,"end":3425.615,"confidence":0.9933755,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5349885821342468},{"word":"good","start":3425.615,"end":3426.115,"confidence":0.9997718,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4457978010177612},{"word":"hub","start":3426.895,"end":3427.135,"confidence":0.56276006,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.31564006209373474},{"word":"24","start":3427.135,"end":3427.6948,"confidence":0.9958841,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.24163658916950223},{"word":"just","start":3427.6948,"end":3427.89,"confidence":0.9597359,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2416413277387619},{"word":"timed","start":3427.89,"end":3428.13,"confidence":0.9971986,"punctuated_word":"timed","sentiment":"neutral","sentiment_score":0.2536700665950775},{"word":"out","start":3428.13,"end":3428.2898,"confidence":0.9958253,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2518726587295532},{"word":"on","start":3428.2898,"end":3428.3699,"confidence":0.99241877,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1886267215013504},{"word":"me","start":3428.3699,"end":3428.45,"confidence":0.8885004,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.2167673110961914},{"word":"so","start":3428.45,"end":3428.5298,"confidence":0.99923515,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.25609976053237915},{"word":"i'm","start":3428.5298,"end":3428.7698,"confidence":0.99982727,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2676711082458496},{"word":"just","start":3428.7698,"end":3428.93,"confidence":0.9995024,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2913517653942108},{"word":"gonna","start":3428.93,"end":3429.25,"confidence":0.98641324,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.3215785026550293},{"word":"redo","start":3429.25,"end":3429.65,"confidence":0.98600495,"punctuated_word":"redo","sentiment":"neutral","sentiment_score":0.3004213571548462},{"word":"that","start":3429.65,"end":3430.13,"confidence":0.9913912,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31447115540504456},{"word":"portfolio","start":3430.13,"end":3430.63,"confidence":0.9629932,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2003936469554901},{"word":"for","start":3430.8499,"end":3431.0898,"confidence":0.81142294,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3428478240966797},{"word":"for","start":3431.0898,"end":3431.25,"confidence":0.75023097,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2896692156791687},{"word":"you","start":3431.25,"end":3431.41,"confidence":0.943503,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2886914014816284},{"word":"so","start":3431.41,"end":3431.8098,"confidence":0.4316402,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.27219194173812866},{"word":"that","start":3431.8098,"end":3431.97,"confidence":0.9238782,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30759766697883606},{"word":"that","start":3431.97,"end":3432.0498,"confidence":0.7518361,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29396700859069824},{"word":"hopefully","start":3432.0498,"end":3432.45,"confidence":0.5079337,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":0.3246822953224182},{"word":"it","start":3432.45,"end":3432.5298,"confidence":0.6423749,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2874969244003296},{"word":"loads","start":3432.5298,"end":3433.0298,"confidence":0.92695683,"punctuated_word":"loads.","sentiment":"neutral","sentiment_score":0.26782363653182983},{"word":"here","start":3433.41,"end":3433.5698,"confidence":0.76792294,"punctuated_word":"Here","sentiment":"neutral","sentiment_score":0.2307834029197693},{"word":"we","start":3433.5698,"end":3433.73,"confidence":0.99989176,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2431376874446869},{"word":"go","start":3433.73,"end":3433.89,"confidence":0.9993912,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.2982303500175476},{"word":"this","start":3433.89,"end":3434.0498,"confidence":0.99253994,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.26621004939079285},{"word":"one","start":3434.0498,"end":3434.2898,"confidence":0.996597,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.250887393951416},{"word":"loaded","start":3434.2898,"end":3434.6099,"confidence":0.97487235,"punctuated_word":"loaded","sentiment":"positive","sentiment_score":0.35191911458969116},{"word":"faster","start":3434.6099,"end":3435.1099,"confidence":0.99702966,"punctuated_word":"faster.","sentiment":"neutral","sentiment_score":0.2723426818847656},{"word":"alright","start":3435.17,"end":3435.67,"confidence":0.9985703,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.16922467947006226},{"word":"so","start":3436.7698,"end":3437.2698,"confidence":0.99808145,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12901434302330017},{"word":"having","start":3438.2898,"end":3438.6099,"confidence":0.98920035,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.13092084228992462},{"word":"a","start":3438.6099,"end":3438.7698,"confidence":0.9994485,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13713403046131134},{"word":"look","start":3438.7698,"end":3439.01,"confidence":0.99991274,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10989680141210556},{"word":"at","start":3439.01,"end":3439.17,"confidence":0.99807215,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13744769990444183},{"word":"things","start":3439.17,"end":3439.49,"confidence":0.83695865,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.14303746819496155},{"word":"since","start":3439.49,"end":3439.73,"confidence":0.9993625,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.14873410761356354},{"word":"we","start":3439.73,"end":3439.89,"confidence":0.99987197,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1632932424545288},{"word":"did","start":3439.89,"end":3440.13,"confidence":0.9997913,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.147914320230484},{"word":"make","start":3440.13,"end":3440.3699,"confidence":0.9991122,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1541849821805954},{"word":"the","start":3440.3699,"end":3440.5298,"confidence":0.99888164,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16581018269062042},{"word":"changes","start":3440.5298,"end":3441.01,"confidence":0.99939024,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.15760207176208496},{"word":"that","start":3441.01,"end":3441.3298,"confidence":0.3692465,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13851018249988556},{"word":"scott","start":3441.3298,"end":3441.41,"confidence":0.67454803,"punctuated_word":"Scott","sentiment":"neutral","sentiment_score":0.09964459389448166},{"word":"looking","start":3441.5698,"end":3441.8098,"confidence":0.9985166,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.11660723388195038},{"word":"at","start":3441.8098,"end":3441.97,"confidence":0.9974541,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13074913620948792},{"word":"the","start":3441.97,"end":3442.13,"confidence":0.99810314,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12049542367458344},{"word":"last","start":3442.13,"end":3442.5298,"confidence":0.9995073,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.11196388304233552},{"word":"three","start":3442.5298,"end":3443.0298,"confidence":0.99901485,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.1109812632203102},{"word":"months","start":3443.565,"end":3443.9648,"confidence":0.9944428,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.13674727082252502},{"word":"your","start":3443.9648,"end":3444.205,"confidence":0.71754867,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1261080950498581},{"word":"portfolio","start":3444.205,"end":3444.705,"confidence":0.99960893,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.3287551999092102},{"word":"wow","start":3445.4849,"end":3445.9849,"confidence":0.92600256,"punctuated_word":"wow.","sentiment":"positive","sentiment_score":0.5320047736167908},{"word":"your","start":3446.605,"end":3446.845,"confidence":0.9673345,"punctuated_word":"Your","sentiment":"positive","sentiment_score":0.5636263489723206},{"word":"portfolio","start":3446.845,"end":3447.345,"confidence":0.9997025,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.5178866982460022},{"word":"has","start":3447.645,"end":3447.885,"confidence":0.99906117,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5940948724746704},{"word":"made","start":3447.885,"end":3448.285,"confidence":0.9998423,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.6696600914001465},{"word":"a","start":3448.285,"end":3448.685,"confidence":0.99977845,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6589769124984741},{"word":"return","start":3448.685,"end":3449.185,"confidence":0.9999343,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.6065399050712585},{"word":"of","start":3449.325,"end":3449.645,"confidence":0.9987832,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6215988993644714},{"word":"7.50%","start":3449.645,"end":3451.825,"confidence":0.9987634,"punctuated_word":"7.50%","sentiment":"positive","sentiment_score":0.5990530252456665},{"word":"after","start":3452.045,"end":3452.365,"confidence":0.9600096,"punctuated_word":"after","sentiment":"positive","sentiment_score":0.4720258116722107},{"word":"fees","start":3452.365,"end":3452.865,"confidence":0.9597214,"punctuated_word":"fees.","sentiment":"positive","sentiment_score":0.3943782150745392},{"word":"that","start":3455.165,"end":3455.405,"confidence":0.98220235,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.13315381109714508},{"word":"is","start":3455.405,"end":3455.565,"confidence":0.991097,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09806003421545029},{"word":"in","start":3455.565,"end":3455.7249,"confidence":0.99939764,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1146012842655182},{"word":"three","start":3455.7249,"end":3456.045,"confidence":0.99961936,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.06382106244564056},{"word":"months","start":3456.045,"end":3456.525,"confidence":0.99679947,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.046249933540821075},{"word":"yeah","start":3456.525,"end":3457.025,"confidence":0.9960875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09321245551109314},{"word":"yeah","start":3457.8699,"end":3458.3699,"confidence":0.9987902,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12679733335971832},{"word":"that","start":3458.43,"end":3458.75,"confidence":0.85222554,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1569061428308487},{"word":"essentially","start":3458.75,"end":3459.23,"confidence":0.9939892,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.15723475813865662},{"word":"shows","start":3459.23,"end":3459.73,"confidence":0.9584122,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.12337452173233032},{"word":"so","start":3460.03,"end":3460.27,"confidence":0.994354,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.18922282755374908},{"word":"when","start":3460.27,"end":3460.43,"confidence":0.9968088,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.20730043947696689},{"word":"we","start":3460.43,"end":3460.59,"confidence":0.9997458,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21709562838077545},{"word":"look","start":3460.59,"end":3460.75,"confidence":0.9995623,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.15137045085430145},{"word":"at","start":3460.75,"end":3460.91,"confidence":0.99968517,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13210685551166534},{"word":"the","start":3460.91,"end":3461.41,"confidence":0.9994287,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16835112869739532},{"word":"the","start":3461.55,"end":3461.71,"confidence":0.9880183,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13589070737361908},{"word":"returns","start":3461.71,"end":3462.1099,"confidence":0.93413436,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":0.1578550785779953},{"word":"we're","start":3462.1099,"end":3462.3499,"confidence":0.98338944,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.21853403747081757},{"word":"looking","start":3462.3499,"end":3462.59,"confidence":0.9998919,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.17793597280979156},{"word":"at","start":3462.59,"end":3462.83,"confidence":0.9967423,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20121008157730105},{"word":"growth","start":3462.83,"end":3463.23,"confidence":0.7649865,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.30177032947540283},{"word":"plus","start":3463.23,"end":3463.55,"confidence":0.9984895,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.22283391654491425},{"word":"income","start":3463.55,"end":3464.05,"confidence":0.92847157,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.24778130650520325},{"word":"and","start":3464.3499,"end":3464.59,"confidence":0.9991353,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2881457805633545},{"word":"it's","start":3464.59,"end":3464.83,"confidence":0.9739634,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3207090497016907},{"word":"generated","start":3464.83,"end":3465.33,"confidence":0.9988257,"punctuated_word":"generated","sentiment":"neutral","sentiment_score":0.32282307744026184},{"word":"growth","start":3465.47,"end":3465.71,"confidence":0.9885811,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.37121912837028503},{"word":"plus","start":3465.71,"end":3466.03,"confidence":0.99816066,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.29158321022987366},{"word":"income","start":3466.03,"end":3466.43,"confidence":0.9994729,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.27542656660079956},{"word":"in","start":3466.43,"end":3466.59,"confidence":0.99930227,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2743957042694092},{"word":"the","start":3466.59,"end":3466.75,"confidence":0.99954647,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28824809193611145},{"word":"last","start":3466.75,"end":3466.99,"confidence":0.99955565,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.19688662886619568},{"word":"three","start":3466.99,"end":3467.23,"confidence":0.99880636,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.21766725182533264},{"word":"months","start":3467.23,"end":3467.55,"confidence":0.9989981,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.2452201396226883},{"word":"of","start":3467.55,"end":3467.71,"confidence":0.995955,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2718883752822876},{"word":"50,523","start":3467.71,"end":3470.295,"confidence":0.9815883,"punctuated_word":"50,523.","sentiment":"neutral","sentiment_score":0.27044856548309326},{"word":"so","start":3470.295,"end":3470.4548,"confidence":0.99038273,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.47839468717575073},{"word":"it","start":3470.4548,"end":3470.535,"confidence":0.8679066,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6592376232147217},{"word":"is","start":3470.535,"end":3470.6548,"confidence":0.9785623,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6091445684432983},{"word":"a","start":3470.6548,"end":3470.775,"confidence":0.9921252,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6329072713851929},{"word":"good","start":3470.775,"end":3471.095,"confidence":0.999488,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6165873408317566},{"word":"return","start":3471.095,"end":3471.595,"confidence":0.9984016,"punctuated_word":"return.","sentiment":"positive","sentiment_score":0.5564496517181396},{"word":"good","start":3473.575,"end":3473.815,"confidence":0.98416406,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.408334881067276},{"word":"to","start":3473.815,"end":3474.055,"confidence":0.9989631,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.33574745059013367},{"word":"see","start":3474.055,"end":3474.295,"confidence":0.9815036,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.32177841663360596},{"word":"good","start":3474.295,"end":3474.535,"confidence":0.89857477,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.3040196895599365},{"word":"yeah","start":3476.2148,"end":3476.4548,"confidence":0.98487854,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.02208627574145794},{"word":"and","start":3476.4548,"end":3476.6948,"confidence":0.76569474,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.02017476037144661},{"word":"look","start":3476.6948,"end":3476.9348,"confidence":0.9085367,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.03804713487625122},{"word":"honestly","start":3476.9348,"end":3477.415,"confidence":0.99943465,"punctuated_word":"honestly,","sentiment":"neutral","sentiment_score":-0.10875426977872849},{"word":"i","start":3477.415,"end":3477.575,"confidence":0.9995276,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2041018009185791},{"word":"don't","start":3477.575,"end":3477.815,"confidence":0.99928564,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.14266154170036316},{"word":"expect","start":3477.815,"end":3478.135,"confidence":0.9927912,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.12623727321624756},{"word":"us","start":3478.135,"end":3478.375,"confidence":0.5004275,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.07517803460359573},{"word":"to","start":3478.375,"end":3478.4548,"confidence":0.998214,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0798124298453331},{"word":"do","start":3478.4548,"end":3478.615,"confidence":0.9953772,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07403697818517685},{"word":"that","start":3478.615,"end":3478.9348,"confidence":0.9973642,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03598979115486145},{"word":"every","start":3478.9348,"end":3479.335,"confidence":0.9859059,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.056342288851737976},{"word":"year","start":3479.335,"end":3479.7349,"confidence":0.99677855,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.053504154086112976},{"word":"we","start":3479.7349,"end":3479.9749,"confidence":0.9987073,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0537516176700592},{"word":"made","start":3479.9749,"end":3480.2148,"confidence":0.907264,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.05706768110394478},{"word":"the","start":3480.2148,"end":3480.295,"confidence":0.99842346,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09979542344808578},{"word":"changes","start":3480.295,"end":3480.6948,"confidence":0.99952364,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.11857326328754424},{"word":"in","start":3480.6948,"end":3480.855,"confidence":0.9976277,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1378064602613449},{"word":"the","start":3480.855,"end":3481.015,"confidence":0.9925528,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1202041432261467},{"word":"portfolio","start":3481.015,"end":3481.4949,"confidence":0.8764723,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.08681058138608932},{"word":"that's","start":3481.4949,"end":3481.7349,"confidence":0.99114704,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.30784398317337036},{"word":"had","start":3481.7349,"end":3481.895,"confidence":0.9913455,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.3476758897304535},{"word":"a","start":3481.895,"end":3482.055,"confidence":0.99271315,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3220149278640747},{"word":"really","start":3482.055,"end":3482.295,"confidence":0.9971898,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.28177979588508606},{"word":"good","start":3482.295,"end":3482.4548,"confidence":0.99244046,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.36550503969192505},{"word":"effect","start":3482.4548,"end":3482.9348,"confidence":0.93054944,"punctuated_word":"effect,","sentiment":"neutral","sentiment_score":0.31130489706993103},{"word":"and","start":3482.9348,"end":3483.095,"confidence":0.93596816,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23071587085723877},{"word":"i'm","start":3483.095,"end":3483.45,"confidence":0.93131626,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.15282057225704193},{"word":"pretty","start":3483.53,"end":3483.8499,"confidence":0.7184496,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.003730297088623047},{"word":"stunned","start":3483.8499,"end":3484.0898,"confidence":0.90085804,"punctuated_word":"stunned","sentiment":"neutral","sentiment_score":0.05478031933307648},{"word":"that","start":3484.0898,"end":3484.41,"confidence":0.973026,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06022767722606659},{"word":"that","start":3484.41,"end":3484.49,"confidence":0.9233955,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10237602144479752},{"word":"return","start":3484.49,"end":3484.73,"confidence":0.987571,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.03801828622817993},{"word":"is","start":3484.73,"end":3484.97,"confidence":0.9948813,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.040511779487133026},{"word":"in","start":3484.97,"end":3485.05,"confidence":0.9978179,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04022733122110367},{"word":"a","start":3485.05,"end":3485.21,"confidence":0.9195966,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04798036813735962},{"word":"three","start":3485.21,"end":3485.45,"confidence":0.9993794,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.004889838397502899},{"word":"month","start":3485.45,"end":3485.69,"confidence":0.9925499,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.020628217607736588},{"word":"period","start":3485.69,"end":3486.17,"confidence":0.99966407,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.01940125599503517},{"word":"normally","start":3486.17,"end":3486.65,"confidence":0.9594381,"punctuated_word":"Normally,","sentiment":"neutral","sentiment_score":0.006520475260913372},{"word":"in","start":3486.65,"end":3486.81,"confidence":0.9993606,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0006075538694858551},{"word":"a","start":3486.81,"end":3486.97,"confidence":0.9971129,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004936071112751961},{"word":"three","start":3486.97,"end":3487.21,"confidence":0.9995122,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.0023448094725608826},{"word":"month","start":3487.21,"end":3487.45,"confidence":0.9850915,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.005484580993652344},{"word":"period","start":3487.45,"end":3487.69,"confidence":0.99513143,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.0206843800842762},{"word":"you","start":3487.69,"end":3487.93,"confidence":0.99864453,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0488956980407238},{"word":"don't","start":3487.93,"end":3488.3298,"confidence":0.99934983,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.03139093145728111},{"word":"see","start":3488.3298,"end":3488.65,"confidence":0.9362433,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.023317869752645493},{"word":"more","start":3488.65,"end":3488.89,"confidence":0.9980374,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.0011817216873168943},{"word":"than","start":3488.89,"end":3489.13,"confidence":0.8936373,"punctuated_word":"than,","sentiment":"neutral","sentiment_score":-0.004485689103603363},{"word":"say","start":3489.13,"end":3489.45,"confidence":0.99534845,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.0046889521181583405},{"word":"one","start":3489.45,"end":3489.77,"confidence":0.95717037,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.011639168485999107},{"word":"two","start":3489.77,"end":3489.93,"confidence":0.9148382,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.004484029486775398},{"word":"or","start":3489.93,"end":3490.43,"confidence":0.9853161,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0019096322357654572},{"word":"maybe","start":3490.49,"end":3490.97,"confidence":0.9942069,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.0117584727704525},{"word":"3%","start":3490.97,"end":3491.71,"confidence":0.9505055,"punctuated_word":"3%.","sentiment":"neutral","sentiment_score":0.026173507794737816},{"word":"but","start":3492.49,"end":3492.73,"confidence":0.77872145,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05837845057249069},{"word":"as","start":3492.73,"end":3492.97,"confidence":0.9989411,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17004893720149994},{"word":"your","start":3492.97,"end":3493.29,"confidence":0.9904522,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18048760294914248},{"word":"balance","start":3493.29,"end":3493.77,"confidence":0.9866817,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.1726536899805069},{"word":"increases","start":3493.77,"end":3494.27,"confidence":0.9941159,"punctuated_word":"increases,","sentiment":"neutral","sentiment_score":0.1623079627752304},{"word":"smaller","start":3494.65,"end":3494.97,"confidence":0.9924529,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.16834062337875366},{"word":"changes","start":3494.97,"end":3495.45,"confidence":0.99698883,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.1864299774169922},{"word":"to","start":3495.45,"end":3495.6099,"confidence":0.99298203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23659731447696689},{"word":"your","start":3495.6099,"end":3495.77,"confidence":0.9976113,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20105332136154175},{"word":"portfolio","start":3495.77,"end":3496.27,"confidence":0.99616313,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.12223820388317108},{"word":"make","start":3496.49,"end":3496.81,"confidence":0.65277284,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.19355764985084536},{"word":"bigger","start":3496.81,"end":3497.31,"confidence":0.94154197,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":0.21442091464996335},{"word":"bigger","start":3497.53,"end":3497.8499,"confidence":0.833517,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":0.2305562049150467},{"word":"returns","start":3497.8499,"end":3498.225,"confidence":0.71308166,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":0.2389480471611023},{"word":"and","start":3498.5452,"end":3498.705,"confidence":0.9996996,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.229743167757988},{"word":"smaller","start":3498.705,"end":3499.185,"confidence":0.99924004,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.290382981300354},{"word":"changes","start":3499.185,"end":3499.665,"confidence":0.9992306,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.3234189748764038},{"word":"have","start":3499.665,"end":3499.8252,"confidence":0.99946886,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2766607105731964},{"word":"a","start":3499.8252,"end":3499.905,"confidence":0.9997768,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2798733413219452},{"word":"bigger","start":3499.905,"end":3500.225,"confidence":0.999546,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":0.30367642641067505},{"word":"effect","start":3500.225,"end":3500.5452,"confidence":0.9969013,"punctuated_word":"effect","sentiment":"positive","sentiment_score":0.3471406102180481},{"word":"on","start":3500.5452,"end":3500.7852,"confidence":0.999648,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3687005341053009},{"word":"your","start":3500.7852,"end":3501.0251,"confidence":0.99529946,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2864317297935486},{"word":"super","start":3501.0251,"end":3501.425,"confidence":0.96661216,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.32690954208374023},{"word":"so","start":3501.425,"end":3501.925,"confidence":0.9984118,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.42196205258369446},{"word":"that","start":3502.3052,"end":3502.5452,"confidence":0.7553272,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6533281207084656},{"word":"is","start":3502.5452,"end":3502.705,"confidence":0.9998933,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6536418199539185},{"word":"a","start":3502.705,"end":3502.865,"confidence":0.9994474,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.665219783782959},{"word":"really","start":3502.865,"end":3503.185,"confidence":0.99988353,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6669908761978149},{"word":"great","start":3503.185,"end":3503.5051,"confidence":0.9997327,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.7533402442932129},{"word":"change","start":3503.5051,"end":3503.985,"confidence":0.9184356,"punctuated_word":"change.","sentiment":"positive","sentiment_score":0.6676748991012573},{"word":"really","start":3503.985,"end":3504.225,"confidence":0.9755501,"punctuated_word":"Really","sentiment":"positive","sentiment_score":0.7731180191040039},{"word":"happy","start":3504.225,"end":3504.5452,"confidence":0.9998202,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.8174129128456116},{"word":"with","start":3504.5452,"end":3504.705,"confidence":0.999534,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.8277252316474915},{"word":"that","start":3504.705,"end":3504.865,"confidence":0.91082984,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.779533863067627},{"word":"and","start":3504.865,"end":3505.0251,"confidence":0.999713,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7142967581748962},{"word":"it","start":3505.0251,"end":3505.185,"confidence":0.99927634,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.7646255493164062},{"word":"does","start":3505.185,"end":3505.425,"confidence":0.99985266,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.7435575723648071},{"word":"show","start":3505.425,"end":3505.5852,"confidence":0.9997472,"punctuated_word":"show","sentiment":"positive","sentiment_score":0.7381486296653748},{"word":"you","start":3505.5852,"end":3505.985,"confidence":0.9536824,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6960017085075378},{"word":"the","start":3505.985,"end":3506.225,"confidence":0.4290851,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7441832423210144},{"word":"newer","start":3506.225,"end":3506.5452,"confidence":0.947103,"punctuated_word":"newer","sentiment":"positive","sentiment_score":0.7281246185302734},{"word":"portfolio","start":3506.5452,"end":3507.0452,"confidence":0.9989912,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.5488719940185547},{"word":"is","start":3507.185,"end":3507.425,"confidence":0.9992964,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6511105298995972},{"word":"working","start":3507.425,"end":3507.665,"confidence":0.9996971,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.6787606477737427},{"word":"better","start":3507.665,"end":3508.0652,"confidence":0.9992493,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.6285440921783447},{"word":"for","start":3508.0652,"end":3508.225,"confidence":0.9992964,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.640700101852417},{"word":"you","start":3508.225,"end":3508.385,"confidence":0.99961346,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5514545440673828},{"word":"as","start":3508.385,"end":3508.5452,"confidence":0.9998566,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5918896794319153},{"word":"well","start":3508.5452,"end":3508.945,"confidence":0.94960904,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.46753138303756714},{"word":"so","start":3508.945,"end":3509.445,"confidence":0.99790597,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.35036030411720276},{"word":"that","start":3509.8252,"end":3510.0652,"confidence":0.9843555,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4738778173923493},{"word":"is","start":3510.0652,"end":3510.225,"confidence":0.9997962,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5440104007720947},{"word":"really","start":3510.225,"end":3510.5452,"confidence":0.9999231,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5007234215736389},{"word":"good","start":3510.5452,"end":3511.0251,"confidence":0.9998458,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.46964460611343384},{"word":"yeah","start":3511.0251,"end":3511.425,"confidence":0.9954436,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3475787937641144},{"word":"excellent","start":3511.425,"end":3511.925,"confidence":0.99967146,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4893985390663147},{"word":"all","start":3512.3052,"end":3512.5452,"confidence":0.99781275,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.45124199986457825},{"word":"good","start":3512.5452,"end":3513.0452,"confidence":0.9998163,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.335831880569458},{"word":"so","start":3513.78,"end":3514.02,"confidence":0.98501855,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14284440875053406},{"word":"just","start":3514.02,"end":3514.26,"confidence":0.99971956,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1503608524799347},{"word":"to","start":3514.26,"end":3514.4202,"confidence":0.99886453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09195702522993088},{"word":"kind","start":3514.4202,"end":3514.6602,"confidence":0.9930883,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11104220151901244},{"word":"of","start":3514.6602,"end":3514.82,"confidence":0.9988726,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09017030894756316},{"word":"reiterate","start":3514.82,"end":3515.3,"confidence":0.9997838,"punctuated_word":"reiterate","sentiment":"neutral","sentiment_score":0.08206458389759064},{"word":"around","start":3515.3,"end":3515.62,"confidence":0.9996081,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.10369078069925308},{"word":"the","start":3515.62,"end":3515.78,"confidence":0.99939346,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10046812891960144},{"word":"advice","start":3515.78,"end":3516.26,"confidence":0.9816279,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1256430596113205},{"word":"scenario","start":3516.26,"end":3516.76,"confidence":0.9088618,"punctuated_word":"scenario,","sentiment":"neutral","sentiment_score":0.1044730469584465},{"word":"we're","start":3516.82,"end":3517.1401,"confidence":0.99489623,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.11679396033287048},{"word":"scoping","start":3517.1401,"end":3517.54,"confidence":0.9976369,"punctuated_word":"scoping","sentiment":"neutral","sentiment_score":0.1424766629934311},{"word":"in","start":3517.54,"end":3517.86,"confidence":0.9977373,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14473357796669006},{"word":"and","start":3517.86,"end":3518.02,"confidence":0.9972595,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1411040872335434},{"word":"looking","start":3518.02,"end":3518.52,"confidence":0.9997969,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1694560945034027},{"word":"at","start":3519.54,"end":3519.78,"confidence":0.99902,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.19520676136016848},{"word":"super","start":3519.78,"end":3520.1,"confidence":0.85885346,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.26705479621887207},{"word":"for","start":3520.1,"end":3520.34,"confidence":0.98451775,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19814370572566983},{"word":"you","start":3520.34,"end":3520.5,"confidence":0.9050169,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20621797442436215},{"word":"both","start":3520.5,"end":3521.0,"confidence":0.9276494,"punctuated_word":"both,","sentiment":"neutral","sentiment_score":0.21185526251792908},{"word":"making","start":3521.46,"end":3521.86,"confidence":0.9761327,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.20764854550361633},{"word":"sure","start":3521.86,"end":3522.18,"confidence":0.9996649,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.23090937733650208},{"word":"that's","start":3522.18,"end":3522.5,"confidence":0.93947655,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.24618902802467343},{"word":"got","start":3522.5,"end":3522.74,"confidence":0.99065405,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.25165873765945435},{"word":"your","start":3522.74,"end":3522.98,"confidence":0.99576676,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.28010353446006775},{"word":"super","start":3522.98,"end":3523.3,"confidence":0.99627304,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3786081671714782},{"word":"and","start":3523.3,"end":3523.46,"confidence":0.8210274,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2691296637058258},{"word":"the","start":3523.46,"end":3523.62,"confidence":0.99773645,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3432302474975586},{"word":"portfolio","start":3523.62,"end":3524.12,"confidence":0.9994487,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.264813631772995},{"word":"is","start":3524.26,"end":3524.4202,"confidence":0.9935055,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2943992018699646},{"word":"working","start":3524.4202,"end":3524.9001,"confidence":0.99985063,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.2984803318977356},{"word":"forward","start":3524.9001,"end":3525.3,"confidence":0.97525656,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.3946398198604584},{"word":"well","start":3525.3,"end":3525.8,"confidence":0.8712604,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.18644917011260984},{"word":"looking","start":3526.205,"end":3526.445,"confidence":0.98073465,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.10317670553922652},{"word":"at","start":3526.445,"end":3526.685,"confidence":0.99868387,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09320061653852464},{"word":"your","start":3526.685,"end":3527.085,"confidence":0.9996625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12127331644296646},{"word":"new","start":3527.085,"end":3527.325,"confidence":0.99532336,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.16294126212596893},{"word":"current","start":3527.325,"end":3527.485,"confidence":0.86611813,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.004804702475667},{"word":"yeah","start":3528.125,"end":3528.525,"confidence":0.98506784,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.016037270426750183},{"word":"looking","start":3528.525,"end":3528.765,"confidence":0.9961777,"punctuated_word":"Looking","sentiment":"neutral","sentiment_score":0.007817402482032776},{"word":"at","start":3528.765,"end":3528.925,"confidence":0.99955755,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.013711197301745416},{"word":"your","start":3528.925,"end":3529.085,"confidence":0.9994986,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.016996541991829872},{"word":"new","start":3529.085,"end":3529.325,"confidence":0.99877554,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.018529392778873444},{"word":"current","start":3529.325,"end":3529.725,"confidence":0.9986124,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.014174824580550194},{"word":"income","start":3529.725,"end":3530.225,"confidence":0.92006826,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.025377027690410617},{"word":"and","start":3530.845,"end":3531.085,"confidence":0.891873,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.011768706142902374},{"word":"are","start":3531.085,"end":3531.245,"confidence":0.99055064,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.004870660603046417},{"word":"you","start":3531.245,"end":3531.405,"confidence":0.9998728,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015303345397114754},{"word":"still","start":3531.405,"end":3531.645,"confidence":0.9996207,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.00824505090713501},{"word":"wanting","start":3531.645,"end":3531.965,"confidence":0.9997019,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.015123922377824783},{"word":"me","start":3531.965,"end":3532.125,"confidence":0.9982375,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.02269441075623035},{"word":"to","start":3532.125,"end":3532.285,"confidence":0.9977817,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022590884938836098},{"word":"factor","start":3532.285,"end":3532.685,"confidence":0.9973502,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.027255743741989136},{"word":"in","start":3532.685,"end":3532.845,"confidence":0.99679285,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.018473420292139053},{"word":"additional","start":3532.845,"end":3533.345,"confidence":0.9996786,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.023255223408341408},{"word":"contributions","start":3533.405,"end":3533.905,"confidence":0.9981558,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.02754399366676807},{"word":"if","start":3534.125,"end":3534.365,"confidence":0.9947102,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01449182815849781},{"word":"they","start":3534.365,"end":3534.525,"confidence":0.992751,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.005068955011665821},{"word":"need","start":3534.525,"end":3534.765,"confidence":0.9994843,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.008752327412366867},{"word":"to","start":3534.765,"end":3534.925,"confidence":0.9992448,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0024718083441257477},{"word":"be","start":3534.925,"end":3535.165,"confidence":0.9981755,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.008627993986010551},{"word":"made","start":3535.165,"end":3535.485,"confidence":0.9985191,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.008604602888226509},{"word":"to","start":3535.485,"end":3535.725,"confidence":0.9838358,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009269528090953829},{"word":"cover","start":3535.725,"end":3536.205,"confidence":0.9922865,"punctuated_word":"cover?","sentiment":"neutral","sentiment_score":0.018054766580462456},{"word":"yep","start":3536.205,"end":3536.685,"confidence":0.9722465,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04548931866884232},{"word":"cool","start":3536.685,"end":3537.185,"confidence":0.6448864,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.14176033437252045},{"word":"yep","start":3539.485,"end":3539.985,"confidence":0.9369417,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0912151336669922},{"word":"yep","start":3541.325,"end":3541.56,"confidence":0.9220538,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10138143599033356},{"word":"yep","start":3546.6,"end":3547.1,"confidence":0.9836278,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04650860279798508},{"word":"yep","start":3547.56,"end":3547.6401,"confidence":0.93287605,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.009251797571778296},{"word":"lovely","start":3547.6401,"end":3548.1401,"confidence":0.9716191,"punctuated_word":"Lovely.","sentiment":"neutral","sentiment_score":0.15636590123176575},{"word":"yep","start":3548.36,"end":3548.6802,"confidence":0.9974644,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05665990337729454},{"word":"that's","start":3548.6802,"end":3549.0,"confidence":0.99972653,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07059689611196518},{"word":"okay","start":3549.0,"end":3549.5,"confidence":0.9997745,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.058089543133974075},{"word":"did","start":3549.6401,"end":3549.8801,"confidence":0.9991456,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.004381434991955757},{"word":"you","start":3549.8801,"end":3549.96,"confidence":0.99989355,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005170913413167},{"word":"want","start":3549.96,"end":3550.2,"confidence":0.99986875,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.004991086199879646},{"word":"me","start":3550.2,"end":3550.36,"confidence":0.9998093,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.015086229890584946},{"word":"to","start":3550.36,"end":3550.52,"confidence":0.9996074,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012312788516283035},{"word":"include","start":3550.52,"end":3550.9202,"confidence":0.9999037,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.01996905729174614},{"word":"that","start":3550.9202,"end":3551.08,"confidence":0.99969673,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014196433126926422},{"word":"as","start":3551.08,"end":3551.32,"confidence":0.873837,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.02301192656159401},{"word":"say","start":3551.32,"end":3551.6401,"confidence":0.99877876,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.021124213933944706},{"word":"salary","start":3551.6401,"end":3552.1401,"confidence":0.9995945,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.02927399054169655},{"word":"sacrifice","start":3552.2,"end":3552.7,"confidence":0.9228129,"punctuated_word":"sacrifice,","sentiment":"neutral","sentiment_score":0.016182560473680496},{"word":"or","start":3552.76,"end":3553.0,"confidence":0.9998275,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0068511273711919785},{"word":"did","start":3553.0,"end":3553.08,"confidence":0.99986243,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.007820254191756248},{"word":"you","start":3553.08,"end":3553.32,"confidence":0.99937844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0030349157750606537},{"word":"wanna","start":3553.32,"end":3553.6401,"confidence":0.9635162,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.00034582242369651794},{"word":"sort","start":3553.6401,"end":3553.8,"confidence":0.9897711,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.015167195349931715},{"word":"of","start":3553.8,"end":3553.96,"confidence":0.50790596,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.008191701024770737},{"word":"hold","start":3553.96,"end":3554.2,"confidence":0.99904746,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.01909029111266136},{"word":"off","start":3554.2,"end":3554.28,"confidence":0.993972,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.006527312099933624},{"word":"until","start":3554.28,"end":3554.6,"confidence":0.9904703,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.012681018561124802},{"word":"the","start":3554.6,"end":3554.6802,"confidence":0.99706537,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018322814255952835},{"word":"end","start":3554.6802,"end":3554.84,"confidence":0.9998785,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.034138474613428116},{"word":"of","start":3554.84,"end":3555.0,"confidence":0.9995265,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02197755128145218},{"word":"the","start":3555.0,"end":3555.1602,"confidence":0.9987128,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02462729439139366},{"word":"financial","start":3555.1602,"end":3555.6602,"confidence":0.9964659,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.028007082641124725},{"word":"year","start":3555.72,"end":3555.96,"confidence":0.9940848,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.023329731076955795},{"word":"and","start":3555.96,"end":3556.12,"confidence":0.9940573,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.005665261298418045},{"word":"do","start":3556.12,"end":3556.28,"confidence":0.9997658,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.006797449663281441},{"word":"it","start":3556.28,"end":3556.44,"confidence":0.9986589,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.038278594613075256},{"word":"as","start":3556.44,"end":3556.6,"confidence":0.9982299,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.033299386501312256},{"word":"a","start":3556.6,"end":3556.6802,"confidence":0.9965553,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04065907374024391},{"word":"lump","start":3556.6802,"end":3557.08,"confidence":0.999699,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.033098526298999786},{"word":"sum","start":3557.08,"end":3557.505,"confidence":0.9964964,"punctuated_word":"sum?","sentiment":"neutral","sentiment_score":0.01202421821653843},{"word":"what","start":3557.585,"end":3557.7449,"confidence":0.9990294,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.004110752604901791},{"word":"would","start":3557.7449,"end":3557.9048,"confidence":0.9998679,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0059363869950175285},{"word":"you","start":3557.9048,"end":3558.1448,"confidence":0.9993623,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.001697932370007038},{"word":"sort","start":3558.1448,"end":3558.4648,"confidence":0.997433,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.003101807087659836},{"word":"of","start":3558.4648,"end":3558.625,"confidence":0.9995877,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004200069233775139},{"word":"what","start":3558.7048,"end":3558.9448,"confidence":0.99921274,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.004615579731762409},{"word":"are","start":3558.9448,"end":3559.025,"confidence":0.99817765,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0021597016602754593},{"word":"you","start":3559.025,"end":3559.1848,"confidence":0.99920195,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0024567581713199615},{"word":"comfortable","start":3559.1848,"end":3559.585,"confidence":0.9994486,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.0024293381720781326},{"word":"with","start":3559.585,"end":3560.085,"confidence":0.998937,"punctuated_word":"with?","sentiment":"neutral","sentiment_score":0.005806783214211464},{"word":"honestly","start":3560.9448,"end":3561.4448,"confidence":0.867278,"punctuated_word":"Honestly,","sentiment":"neutral","sentiment_score":0.012240763753652573},{"word":"salary","start":3561.505,"end":3561.9849,"confidence":0.999067,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.05162113904953003},{"word":"sacrifice","start":3561.9849,"end":3562.4648,"confidence":0.99722147,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":-0.02296634018421173},{"word":"works","start":3562.4648,"end":3562.785,"confidence":0.9928965,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.0535522997379303},{"word":"out","start":3562.785,"end":3562.9448,"confidence":0.9923253,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.009643808007240295},{"word":"better","start":3562.9448,"end":3563.265,"confidence":0.9998055,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.015278294682502748},{"word":"because","start":3563.265,"end":3563.585,"confidence":0.93793714,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05313493311405182},{"word":"you're","start":3563.585,"end":3563.9849,"confidence":0.99896246,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05704060196876526},{"word":"putting","start":3563.9849,"end":3564.4648,"confidence":0.9998192,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.10669650137424468},{"word":"more","start":3564.4648,"end":3564.9448,"confidence":0.9999162,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05838707834482193},{"word":"more","start":3564.9448,"end":3565.345,"confidence":0.9988741,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05354573205113411},{"word":"amounts","start":3565.345,"end":3565.7449,"confidence":0.9077961,"punctuated_word":"amounts","sentiment":"neutral","sentiment_score":0.072220578789711},{"word":"in","start":3565.7449,"end":3566.065,"confidence":0.9996352,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07980272173881531},{"word":"on","start":3566.065,"end":3566.2249,"confidence":0.9929086,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0634535402059555},{"word":"a","start":3566.2249,"end":3566.305,"confidence":0.9995882,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05354911834001541},{"word":"regular","start":3566.305,"end":3566.785,"confidence":0.9999534,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.10640957951545715},{"word":"basis","start":3566.785,"end":3567.285,"confidence":0.9938896,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.03758259862661362},{"word":"correct","start":3567.9849,"end":3568.3848,"confidence":0.8327389,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.20607657730579376},{"word":"and","start":3568.3848,"end":3568.625,"confidence":0.99189574,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10782510042190552},{"word":"then","start":3568.625,"end":3568.785,"confidence":0.979544,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09954437613487244},{"word":"you","start":3568.785,"end":3568.9448,"confidence":0.6342728,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1308024525642395},{"word":"dollar","start":3568.9448,"end":3569.265,"confidence":0.6287499,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.1170659065246582},{"word":"cost","start":3569.265,"end":3569.585,"confidence":0.99877113,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.10222586244344713},{"word":"averaging","start":3569.585,"end":3570.085,"confidence":0.77386457,"punctuated_word":"averaging.","sentiment":"neutral","sentiment_score":0.19058109819889069},{"word":"that","start":3570.2249,"end":3570.4648,"confidence":0.99896026,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.31267300248146057},{"word":"provides","start":3570.4648,"end":3570.865,"confidence":0.99889404,"punctuated_word":"provides","sentiment":"positive","sentiment_score":0.34864577651023865},{"word":"a","start":3570.865,"end":3571.025,"confidence":0.99886477,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4075072705745697},{"word":"much","start":3571.025,"end":3571.265,"confidence":0.99982315,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.39599746465682983},{"word":"greater","start":3571.265,"end":3571.6648,"confidence":0.9986047,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.4084208011627197},{"word":"effect","start":3571.6648,"end":3572.065,"confidence":0.99520963,"punctuated_word":"effect","sentiment":"positive","sentiment_score":0.523767352104187},{"word":"long","start":3572.065,"end":3572.3848,"confidence":0.99266195,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.5420603156089783},{"word":"term","start":3572.3848,"end":3572.625,"confidence":0.92605174,"punctuated_word":"term.","sentiment":"positive","sentiment_score":0.3882186710834503},{"word":"if","start":3572.625,"end":3572.91,"confidence":0.57334566,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.2266153246164322},{"word":"you're","start":3572.99,"end":3573.23,"confidence":0.9941561,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.20380352437496185},{"word":"comfortable","start":3573.23,"end":3573.63,"confidence":0.9997335,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.1664753556251526},{"word":"with","start":3573.63,"end":3573.8699,"confidence":0.99972254,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23567740619182587},{"word":"that","start":3573.8699,"end":3574.1099,"confidence":0.99825716,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.2161623239517212},{"word":"that's","start":3574.1099,"end":3574.3499,"confidence":0.999838,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.21522018313407895},{"word":"what","start":3574.3499,"end":3574.51,"confidence":0.9994584,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16394491493701935},{"word":"we'll","start":3574.51,"end":3574.75,"confidence":0.9996096,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.13862013816833496},{"word":"look","start":3574.75,"end":3574.91,"confidence":0.99972755,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1374928206205368},{"word":"at","start":3574.91,"end":3575.15,"confidence":0.99643904,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1531992256641388},{"word":"for","start":3575.15,"end":3575.39,"confidence":0.9991333,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12175122648477554},{"word":"you","start":3575.39,"end":3575.8699,"confidence":0.9995062,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13390682637691498},{"word":"yep","start":3575.8699,"end":3576.3699,"confidence":0.94452727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08954775333404541},{"word":"beautiful","start":3577.63,"end":3578.13,"confidence":0.9751874,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.22977808117866516},{"word":"yeah","start":3579.8699,"end":3580.3699,"confidence":0.99221885,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.29994142055511475},{"word":"absolutely","start":3580.8298,"end":3581.3298,"confidence":0.99438447,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.625220775604248},{"word":"fantastic","start":3581.7898,"end":3582.2898,"confidence":0.9991015,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6820521354675293},{"word":"i'll","start":3583.15,"end":3583.39,"confidence":0.8565422,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3685961365699768},{"word":"assess","start":3583.39,"end":3583.7898,"confidence":0.9919137,"punctuated_word":"assess","sentiment":"positive","sentiment_score":0.3636705279350281},{"word":"what","start":3583.7898,"end":3583.95,"confidence":0.99863225,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2733137011528015},{"word":"you","start":3583.95,"end":3584.19,"confidence":0.99839467,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2355781048536301},{"word":"have","start":3584.19,"end":3584.51,"confidence":0.99794716,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1478160321712494},{"word":"to","start":3584.51,"end":3584.99,"confidence":0.9946818,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17453303933143616},{"word":"cover","start":3584.99,"end":3585.3098,"confidence":0.9991123,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.1844157874584198},{"word":"the","start":3585.3098,"end":3585.5498,"confidence":0.99496824,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26406440138816833},{"word":"cap","start":3585.5498,"end":3586.0498,"confidence":0.99593484,"punctuated_word":"cap.","sentiment":"neutral","sentiment_score":0.1640513241291046},{"word":"i","start":3586.1099,"end":3586.27,"confidence":0.964783,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022383399307727817},{"word":"do","start":3586.27,"end":3586.51,"confidence":0.9944659,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.024236146360635757},{"word":"sometimes","start":3586.51,"end":3586.91,"confidence":0.6878346,"punctuated_word":"sometimes,","sentiment":"neutral","sentiment_score":0.03551088273525238},{"word":"depending","start":3586.91,"end":3587.3098,"confidence":0.9991905,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.03799479082226753},{"word":"on","start":3587.3098,"end":3587.5498,"confidence":0.9958056,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02839002385735512},{"word":"discrepancies","start":3587.5498,"end":3588.0498,"confidence":0.9964737,"punctuated_word":"discrepancies","sentiment":"neutral","sentiment_score":-0.0026800623163580894},{"word":"with","start":3588.19,"end":3588.51,"confidence":0.9742931,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.016696874052286148},{"word":"income","start":3588.51,"end":3588.855,"confidence":0.9628153,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.0008442774415016174},{"word":"i","start":3589.015,"end":3589.255,"confidence":0.99666494,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.033508799970149994},{"word":"do","start":3589.255,"end":3589.335,"confidence":0.9997466,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05469921603798866},{"word":"tend","start":3589.335,"end":3589.575,"confidence":0.9992913,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.04232857748866081},{"word":"to","start":3589.575,"end":3589.815,"confidence":0.99969065,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.031788669526576996},{"word":"maybe","start":3589.815,"end":3590.315,"confidence":0.9716879,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.04081106185913086},{"word":"leave","start":3590.375,"end":3590.695,"confidence":0.90546584,"punctuated_word":"leave,","sentiment":"neutral","sentiment_score":0.02163122035562992},{"word":"like","start":3590.695,"end":3590.855,"confidence":0.9977904,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04905176535248757},{"word":"a","start":3590.855,"end":3591.095,"confidence":0.99923193,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.036798931658267975},{"word":"1","start":3591.095,"end":3591.255,"confidence":0.99972576,"punctuated_word":"1","sentiment":"neutral","sentiment_score":0.012854058295488358},{"word":"or","start":3591.255,"end":3591.4949,"confidence":0.9927918,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.014906343072652817},{"word":"$2,000","start":3591.4949,"end":3592.615,"confidence":0.994378,"punctuated_word":"$2,000","sentiment":"neutral","sentiment_score":0.03347177058458328},{"word":"gap","start":3592.615,"end":3592.935,"confidence":0.9994592,"punctuated_word":"gap","sentiment":"neutral","sentiment_score":-0.007618035189807415},{"word":"depending","start":3592.935,"end":3593.435,"confidence":0.9753225,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.003237222321331501},{"word":"on","start":3593.4949,"end":3593.7349,"confidence":0.9993661,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01684529520571232},{"word":"what","start":3593.7349,"end":3593.895,"confidence":0.9995622,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.005942527204751968},{"word":"it","start":3593.895,"end":3594.055,"confidence":0.99845827,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016884980723261833},{"word":"is","start":3594.055,"end":3594.555,"confidence":0.9951394,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.029941048473119736},{"word":"correct","start":3594.775,"end":3595.175,"confidence":0.9904924,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.09124578535556792},{"word":"but","start":3595.175,"end":3595.335,"confidence":0.9994259,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07486066967248917},{"word":"i'll","start":3595.335,"end":3595.4949,"confidence":0.9999155,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07727818936109543},{"word":"just","start":3595.4949,"end":3595.655,"confidence":0.9996952,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10569610446691512},{"word":"make","start":3595.655,"end":3595.815,"confidence":0.999479,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.059631481766700745},{"word":"sure","start":3595.815,"end":3596.055,"confidence":0.99966526,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07815515249967575},{"word":"that","start":3596.055,"end":3596.215,"confidence":0.9996226,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10203242301940918},{"word":"we","start":3596.215,"end":3596.375,"confidence":0.99954,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10619651526212692},{"word":"sort","start":3596.375,"end":3596.615,"confidence":0.98987705,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10501481592655182},{"word":"of","start":3596.615,"end":3596.695,"confidence":0.9673441,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1219135969877243},{"word":"factor","start":3596.695,"end":3597.015,"confidence":0.97253305,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.123317152261734},{"word":"that","start":3597.015,"end":3597.175,"confidence":0.99894243,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13378524780273438},{"word":"in","start":3597.175,"end":3597.415,"confidence":0.99914277,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11979199945926666},{"word":"for","start":3597.415,"end":3597.575,"confidence":0.99913234,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14298295974731445},{"word":"you","start":3597.575,"end":3597.7349,"confidence":0.9996618,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13299071788787842},{"word":"and","start":3597.7349,"end":3597.975,"confidence":0.99426585,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12956418097019196},{"word":"show","start":3597.975,"end":3598.135,"confidence":0.9831685,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.10771234333515169},{"word":"you","start":3598.135,"end":3598.215,"confidence":0.9689163,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14626383781433103},{"word":"what","start":3598.215,"end":3598.375,"confidence":0.99979764,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11696092784404756},{"word":"that","start":3598.375,"end":3598.535,"confidence":0.99976367,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11251665651798248},{"word":"looks","start":3598.535,"end":3598.855,"confidence":0.9992779,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.07401841878890991},{"word":"like","start":3598.855,"end":3599.355,"confidence":0.99921006,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.09157046675682068},{"word":"excellent","start":3600.055,"end":3600.555,"confidence":0.8899021,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.46213945746421814},{"word":"lisa","start":3601.335,"end":3601.83,"confidence":0.89420927,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":0.29323405027389526},{"word":"so","start":3601.9102,"end":3601.99,"confidence":0.74133515,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2985442578792572},{"word":"with","start":3601.99,"end":3602.1501,"confidence":0.90156823,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3135850429534912},{"word":"yours","start":3602.1501,"end":3602.31,"confidence":0.77041686,"punctuated_word":"yours,","sentiment":"neutral","sentiment_score":0.2922498881816864},{"word":"again","start":3602.31,"end":3602.47,"confidence":0.9849484,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.2594665288925171},{"word":"looking","start":3602.47,"end":3602.9502,"confidence":0.97139955,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.2637929320335388},{"word":"at","start":3602.9502,"end":3603.03,"confidence":0.8499723,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3232959806919098},{"word":"your","start":3603.03,"end":3603.1902,"confidence":0.9644988,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3603491187095642},{"word":"super","start":3603.1902,"end":3603.51,"confidence":0.8965441,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3725205063819885},{"word":"with","start":3603.51,"end":3603.83,"confidence":0.42700896,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2906223237514496},{"word":"your","start":3603.83,"end":3603.99,"confidence":0.95207566,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2960335910320282},{"word":"rider","start":3603.99,"end":3604.31,"confidence":0.21250546,"punctuated_word":"rider","sentiment":"neutral","sentiment_score":0.2652056813240051},{"word":"super","start":3604.31,"end":3604.55,"confidence":0.95501506,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.3295775055885315},{"word":"we'll","start":3604.55,"end":3604.79,"confidence":0.89309525,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.3297620713710785},{"word":"definitely","start":3604.79,"end":3605.11,"confidence":0.999553,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.2947150766849518},{"word":"have","start":3605.11,"end":3605.35,"confidence":0.99923456,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3013097941875458},{"word":"to","start":3605.35,"end":3605.4302,"confidence":0.99736375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2758903205394745},{"word":"retain","start":3605.4302,"end":3605.75,"confidence":0.99396634,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.23575350642204285},{"word":"the","start":3605.75,"end":3605.9102,"confidence":0.9612776,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2808890640735626},{"word":"qsu","start":3605.9102,"end":3606.3901,"confidence":0.4787784,"punctuated_word":"Qsu,","sentiment":"neutral","sentiment_score":0.2518790364265442},{"word":"but","start":3606.3901,"end":3606.55,"confidence":0.9946074,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2041376382112503},{"word":"i'll","start":3606.55,"end":3606.71,"confidence":0.9763522,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.22946667671203613},{"word":"factor","start":3606.71,"end":3607.03,"confidence":0.97671014,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.23837174475193024},{"word":"that","start":3607.03,"end":3607.11,"confidence":0.99593544,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26130855083465576},{"word":"into","start":3607.11,"end":3607.4302,"confidence":0.98180455,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.22137203812599185},{"word":"the","start":3607.4302,"end":3607.51,"confidence":0.9984041,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2635350227355957},{"word":"advice","start":3607.51,"end":3607.9102,"confidence":0.7877017,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.24275679886341095},{"word":"there","start":3607.9102,"end":3608.07,"confidence":0.95455074,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2921903133392334},{"word":"for","start":3608.07,"end":3608.23,"confidence":0.9985524,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2885591685771942},{"word":"you","start":3608.23,"end":3608.3901,"confidence":0.9973123,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3249836564064026},{"word":"the","start":3608.3901,"end":3608.55,"confidence":0.96107394,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2774111032485962},{"word":"same","start":3608.55,"end":3608.79,"confidence":0.9997199,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.27154478430747986},{"word":"as","start":3608.79,"end":3608.9502,"confidence":0.9984841,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.29666125774383545},{"word":"i","start":3608.9502,"end":3609.03,"confidence":0.9447639,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2190646380186081},{"word":"did","start":3609.03,"end":3609.35,"confidence":0.999838,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.2069101333618164},{"word":"last","start":3609.35,"end":3609.51,"confidence":0.99896634,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1726101040840149},{"word":"time","start":3609.51,"end":3610.01,"confidence":0.99950594,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.1710125356912613},{"word":"last","start":3610.71,"end":3611.03,"confidence":0.9578041,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":0.04394504055380821},{"word":"time","start":3611.03,"end":3611.1902,"confidence":0.89553845,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.06596377491950989},{"word":"we","start":3611.1902,"end":3611.4302,"confidence":0.9996718,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06428322196006775},{"word":"did","start":3611.4302,"end":3611.59,"confidence":0.99914956,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07611313462257385},{"word":"look","start":3611.59,"end":3611.83,"confidence":0.99885833,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.051651839166879654},{"word":"at","start":3611.83,"end":3611.99,"confidence":0.99912244,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05821101740002632},{"word":"the","start":3611.99,"end":3612.23,"confidence":0.99922407,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.046418916434049606},{"word":"sma","start":3612.23,"end":3612.73,"confidence":0.99269706,"punctuated_word":"SMA.","sentiment":"neutral","sentiment_score":0.05952401086688042},{"word":"i","start":3613.51,"end":3613.6702,"confidence":0.9785,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0787137821316719},{"word":"might","start":3613.6702,"end":3613.9102,"confidence":0.99927336,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.08529714494943619},{"word":"even","start":3613.9102,"end":3614.1501,"confidence":0.9996604,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.09893909841775894},{"word":"just","start":3614.1501,"end":3614.3901,"confidence":0.99899274,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08506631851196289},{"word":"look","start":3614.3901,"end":3614.55,"confidence":0.9990695,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0626261830329895},{"word":"at","start":3614.55,"end":3614.71,"confidence":0.9988445,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09309840947389604},{"word":"that","start":3614.71,"end":3614.87,"confidence":0.9990221,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07896753400564194},{"word":"again","start":3614.87,"end":3615.27,"confidence":0.99529845,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.08069738745689392},{"word":"if","start":3615.27,"end":3615.35,"confidence":0.85566485,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08765596151351929},{"word":"that's","start":3615.35,"end":3615.6702,"confidence":0.9985945,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.094882033765316},{"word":"okay","start":3615.6702,"end":3615.975,"confidence":0.94483024,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.10831360518932344},{"word":"for","start":3616.215,"end":3616.455,"confidence":0.99979895,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1264929175376892},{"word":"the","start":3616.455,"end":3616.695,"confidence":0.9998591,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12565891444683075},{"word":"investments","start":3616.695,"end":3617.175,"confidence":0.86785805,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.10640063881874084},{"word":"but","start":3617.175,"end":3617.415,"confidence":0.9962308,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11274273693561554},{"word":"i'll","start":3617.415,"end":3617.495,"confidence":0.9125354,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.10824845731258392},{"word":"also","start":3617.495,"end":3617.8152,"confidence":0.99821836,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11118514835834505},{"word":"look","start":3617.8152,"end":3617.975,"confidence":0.99947625,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07005029916763306},{"word":"at","start":3617.975,"end":3618.135,"confidence":0.99961936,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09810582548379898},{"word":"the","start":3618.135,"end":3618.215,"confidence":0.99895585,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10017845034599304},{"word":"same","start":3618.215,"end":3618.5352,"confidence":0.99714345,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.12855634093284607},{"word":"sort","start":3618.5352,"end":3618.615,"confidence":0.9981104,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12573683261871338},{"word":"of","start":3618.615,"end":3618.7751,"confidence":0.99875295,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11817464977502824},{"word":"investment","start":3618.7751,"end":3619.2751,"confidence":0.99792117,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06025847047567368},{"word":"portfolio","start":3619.3352,"end":3619.8152,"confidence":0.99866045,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.08517493307590485},{"word":"that","start":3619.8152,"end":3620.0552,"confidence":0.99931145,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14065960049629211},{"word":"scott","start":3620.0552,"end":3620.2952,"confidence":0.99100375,"punctuated_word":"Scott","sentiment":"neutral","sentiment_score":0.11160751432180405},{"word":"is","start":3620.2952,"end":3620.5352,"confidence":0.99885297,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13707827031612396},{"word":"in","start":3620.5352,"end":3620.935,"confidence":0.99979895,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12583628296852112},{"word":"because","start":3620.935,"end":3621.3352,"confidence":0.8203812,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13840387761592865},{"word":"that","start":3621.3352,"end":3621.495,"confidence":0.999772,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0919615924358368},{"word":"might","start":3621.495,"end":3621.655,"confidence":0.9998665,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.1958417296409607},{"word":"actually","start":3621.655,"end":3622.0552,"confidence":0.9983302,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.25674283504486084},{"word":"provide","start":3622.0552,"end":3622.375,"confidence":0.99925965,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.27769654989242554},{"word":"a","start":3622.375,"end":3622.455,"confidence":0.9995623,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2445356845855713},{"word":"greater","start":3622.455,"end":3622.855,"confidence":0.99956065,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.17049245536327362},{"word":"benefit","start":3622.855,"end":3623.355,"confidence":0.99941504,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.28223636746406555},{"word":"to","start":3623.415,"end":3623.495,"confidence":0.99903,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26058197021484375},{"word":"you","start":3623.495,"end":3623.735,"confidence":0.99886215,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.20429599285125732},{"word":"are","start":3623.735,"end":3623.895,"confidence":0.9872859,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.09541627764701845},{"word":"you","start":3623.895,"end":3624.0552,"confidence":0.9997123,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10073912143707275},{"word":"comfortable","start":3624.0552,"end":3624.5352,"confidence":0.99896884,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.08557124435901642},{"word":"with","start":3624.5352,"end":3624.7751,"confidence":0.99987686,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11167752742767334},{"word":"that","start":3624.7751,"end":3625.2751,"confidence":0.9998288,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.097072035074234},{"word":"yep","start":3626.855,"end":3627.175,"confidence":0.81933516,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2937246263027191},{"word":"beautiful","start":3627.175,"end":3627.675,"confidence":0.99874264,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4686617851257324},{"word":"and","start":3628.615,"end":3628.855,"confidence":0.855809,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2085241675376892},{"word":"you","start":3628.855,"end":3628.935,"confidence":0.9969338,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13120269775390625},{"word":"want","start":3628.935,"end":3629.175,"confidence":0.99988043,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.132576584815979},{"word":"me","start":3629.175,"end":3629.3352,"confidence":0.999933,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.14107798039913175},{"word":"to","start":3629.3352,"end":3629.415,"confidence":0.999453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15893246233463287},{"word":"look","start":3629.415,"end":3629.655,"confidence":0.9997975,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12923291325569153},{"word":"at","start":3629.655,"end":3629.8152,"confidence":0.9995104,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1202029138803482},{"word":"your","start":3629.8152,"end":3630.0552,"confidence":0.9997553,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09025314450263976},{"word":"income","start":3630.0552,"end":3630.455,"confidence":0.999879,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.10672429203987122},{"word":"to","start":3630.455,"end":3630.63,"confidence":0.96458656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08115483075380325},{"word":"determine","start":3630.8699,"end":3631.19,"confidence":0.99993,"punctuated_word":"determine","sentiment":"neutral","sentiment_score":0.0963643193244934},{"word":"if","start":3631.19,"end":3631.5098,"confidence":0.9995821,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08213897049427032},{"word":"you're","start":3631.5098,"end":3631.67,"confidence":0.99963105,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0751977264881134},{"word":"able","start":3631.67,"end":3631.99,"confidence":0.9998411,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.1089404970407486},{"word":"to","start":3631.99,"end":3632.23,"confidence":0.99953496,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12749402225017548},{"word":"drop","start":3632.23,"end":3632.5498,"confidence":0.99976474,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.13848775625228882},{"word":"back","start":3632.5498,"end":3632.71,"confidence":0.9991985,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.14859598875045776},{"word":"to","start":3632.71,"end":3632.95,"confidence":0.99737346,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13047629594802856},{"word":"50%","start":3632.95,"end":3633.7698,"confidence":0.99715924,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.11675776541233064},{"word":"hours","start":3633.8298,"end":3634.3098,"confidence":0.9988624,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.09372314810752869},{"word":"as","start":3634.3098,"end":3634.47,"confidence":0.99919087,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11754710227251051},{"word":"well","start":3634.47,"end":3634.97,"confidence":0.9333322,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.11062510311603546},{"word":"cover","start":3635.43,"end":3635.91,"confidence":0.9996314,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.0781945139169693},{"word":"expenses","start":3635.91,"end":3636.41,"confidence":0.99952924,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.06703533977270126},{"word":"for","start":3636.47,"end":3636.71,"confidence":0.99776614,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06802234053611755},{"word":"the","start":3636.71,"end":3636.8699,"confidence":0.9996929,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07475100457668304},{"word":"two","start":3636.8699,"end":3637.1099,"confidence":0.99974114,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.07224535942077637},{"word":"of","start":3637.1099,"end":3637.2698,"confidence":0.9995241,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07785573601722717},{"word":"you","start":3637.2698,"end":3637.5098,"confidence":0.9520316,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.07517845928668976},{"word":"and","start":3637.5098,"end":3637.91,"confidence":0.99988747,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06533223390579224},{"word":"also","start":3637.91,"end":3638.39,"confidence":0.8266802,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0898732990026474},{"word":"look","start":3638.39,"end":3638.5498,"confidence":0.98608994,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08448266983032227},{"word":"at","start":3638.5498,"end":3639.0298,"confidence":0.9997578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09461924433708192},{"word":"whether","start":3639.0298,"end":3639.3499,"confidence":0.9888919,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.08349721878767014},{"word":"you're","start":3639.3499,"end":3639.5098,"confidence":0.9950793,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08437363803386688},{"word":"able","start":3639.5098,"end":3639.8298,"confidence":0.99989724,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.0993516892194748},{"word":"to","start":3639.8298,"end":3639.91,"confidence":0.9988945,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0979660302400589},{"word":"then","start":3639.91,"end":3640.41,"confidence":0.9978338,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09842178225517272},{"word":"cover","start":3640.71,"end":3641.1099,"confidence":0.99939394,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.07075348496437073},{"word":"contribution","start":3641.1099,"end":3641.6099,"confidence":0.99894124,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.0696834921836853},{"word":"gaps","start":3641.8298,"end":3642.3098,"confidence":0.9920299,"punctuated_word":"gaps","sentiment":"neutral","sentiment_score":0.0625942125916481},{"word":"and","start":3642.3098,"end":3642.5498,"confidence":0.974759,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11682101339101791},{"word":"build","start":3642.5498,"end":3642.885,"confidence":0.996463,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.2558227479457855},{"word":"super","start":3642.965,"end":3643.285,"confidence":0.9902109,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.27817219495773315},{"word":"towards","start":3643.285,"end":3643.605,"confidence":0.99618113,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.23037390410900116},{"word":"your","start":3643.605,"end":3643.845,"confidence":0.6135428,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1875871568918228},{"word":"time","start":3643.845,"end":3644.165,"confidence":0.9723547,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.1884358674287796},{"word":"am","start":3644.165,"end":3644.405,"confidence":0.7022894,"punctuated_word":"Am","sentiment":"neutral","sentiment_score":0.15765172243118286},{"word":"i","start":3644.405,"end":3644.565,"confidence":0.9765009,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1478300541639328},{"word":"on","start":3644.565,"end":3644.645,"confidence":0.99758685,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15063495934009552},{"word":"the","start":3644.645,"end":3644.725,"confidence":0.99962676,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12756341695785522},{"word":"right","start":3644.725,"end":3644.965,"confidence":0.9997198,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.20368866622447968},{"word":"track","start":3644.965,"end":3645.205,"confidence":0.99769735,"punctuated_word":"track?","sentiment":"neutral","sentiment_score":0.11248666048049928},{"word":"do","start":3645.205,"end":3645.365,"confidence":0.9986267,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.09667348861694336},{"word":"i","start":3645.365,"end":3645.445,"confidence":0.9997403,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08939790725708008},{"word":"have","start":3645.445,"end":3645.605,"confidence":0.9999684,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08197440207004547},{"word":"that","start":3645.605,"end":3645.925,"confidence":0.9998604,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09488821774721146},{"word":"correct","start":3645.925,"end":3646.425,"confidence":0.99964106,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.10766392946243286},{"word":"yep","start":3650.325,"end":3650.825,"confidence":0.86301726,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08932401984930038},{"word":"yep","start":3651.045,"end":3651.545,"confidence":0.9529337,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03144188970327377},{"word":"yep","start":3654.325,"end":3654.825,"confidence":0.9182681,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05642659589648247},{"word":"and","start":3654.885,"end":3655.125,"confidence":0.573063,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.000025734305381774902},{"word":"still","start":3655.125,"end":3655.44,"confidence":0.99047625,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03475883975625038},{"word":"live","start":3655.5999,"end":3656.0999,"confidence":0.96434164,"punctuated_word":"live.","sentiment":"neutral","sentiment_score":0.030297186225652695},{"word":"i","start":3659.1199,"end":3659.28,"confidence":0.83345485,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6462807059288025},{"word":"love","start":3659.28,"end":3659.44,"confidence":0.99868673,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.7114941477775574},{"word":"that","start":3659.44,"end":3659.8398,"confidence":0.9992877,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6012954711914062},{"word":"i","start":3659.8398,"end":3660.0,"confidence":0.9992662,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6426275968551636},{"word":"love","start":3660.0,"end":3660.24,"confidence":0.99987864,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.7408692240715027},{"word":"it","start":3660.24,"end":3660.74,"confidence":0.9996601,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.6137474775314331},{"word":"no","start":3662.0798,"end":3662.48,"confidence":0.9429861,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.11186472326517104},{"word":"all","start":3662.48,"end":3662.72,"confidence":0.99418145,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.23278556764125824},{"word":"good","start":3662.72,"end":3663.2,"confidence":0.9994513,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.24737365543842316},{"word":"excellent","start":3663.2,"end":3663.7,"confidence":0.99978375,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.3495015501976013},{"word":"with","start":3664.4,"end":3664.64,"confidence":0.65399635,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.13256360590457916},{"word":"the","start":3664.64,"end":3664.8,"confidence":0.99939907,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1476559340953827},{"word":"insurance","start":3664.8,"end":3665.3,"confidence":0.99933773,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.12246635556221008},{"word":"side","start":3665.3599,"end":3665.52,"confidence":0.99949944,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.125344380736351},{"word":"of","start":3665.52,"end":3665.68,"confidence":0.9990048,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11459431052207948},{"word":"things","start":3665.68,"end":3666.16,"confidence":0.9994991,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.10691824555397034},{"word":"scott","start":3666.16,"end":3666.48,"confidence":0.9970446,"punctuated_word":"Scott,","sentiment":"neutral","sentiment_score":0.09148099273443222},{"word":"i'll","start":3666.48,"end":3666.64,"confidence":0.9995655,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11420994997024536},{"word":"look","start":3666.64,"end":3666.8,"confidence":0.99962246,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10677681863307951},{"word":"at","start":3666.8,"end":3666.96,"confidence":0.9920074,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1235438510775566},{"word":"yours","start":3666.96,"end":3667.3599,"confidence":0.93318963,"punctuated_word":"yours,","sentiment":"neutral","sentiment_score":0.09860651940107346},{"word":"what","start":3667.3599,"end":3667.52,"confidence":0.9993051,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1313813179731369},{"word":"you","start":3667.52,"end":3667.68,"confidence":0.99712306,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11976172029972076},{"word":"have","start":3667.68,"end":3667.92,"confidence":0.998175,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08197001367807388},{"word":"now","start":3667.92,"end":3668.0798,"confidence":0.7668984,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.09608282148838045},{"word":"look","start":3668.0798,"end":3668.355,"confidence":0.98720634,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08067962527275085},{"word":"at","start":3668.435,"end":3668.515,"confidence":0.7896606,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0930587649345398},{"word":"your","start":3668.515,"end":3668.595,"confidence":0.9955178,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08049633353948593},{"word":"income","start":3668.595,"end":3669.095,"confidence":0.9987206,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06731536984443665},{"word":"protection","start":3669.2349,"end":3669.7349,"confidence":0.76093435,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.06079958379268646},{"word":"factor","start":3669.875,"end":3670.275,"confidence":0.87410605,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.09949268400669098},{"word":"into","start":3670.275,"end":3670.595,"confidence":0.9909565,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.115103617310524},{"word":"your","start":3670.595,"end":3670.915,"confidence":0.9984377,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0623551607131958},{"word":"income","start":3670.915,"end":3671.315,"confidence":0.8663418,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.06066828966140747},{"word":"and","start":3671.315,"end":3671.475,"confidence":0.99979395,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06262406706809998},{"word":"work","start":3671.475,"end":3671.635,"confidence":0.99028426,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.06936465203762054},{"word":"out","start":3671.635,"end":3671.795,"confidence":0.9816476,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09769419580698012},{"word":"whether","start":3671.795,"end":3672.035,"confidence":0.9997398,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.0932345911860466},{"word":"we","start":3672.035,"end":3672.275,"confidence":0.9997702,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08848454058170319},{"word":"need","start":3672.275,"end":3672.435,"confidence":0.9996878,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0525934211909771},{"word":"to","start":3672.435,"end":3672.595,"confidence":0.99883956,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0696161612868309},{"word":"reduce","start":3672.595,"end":3672.9949,"confidence":0.9996753,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.04883717745542526},{"word":"the","start":3672.9949,"end":3673.155,"confidence":0.9983224,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08028849214315414},{"word":"rate","start":3673.155,"end":3673.315,"confidence":0.8942305,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.04899737611413002},{"word":"so","start":3673.315,"end":3673.475,"confidence":0.99682873,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08536630868911743},{"word":"that","start":3673.475,"end":3673.715,"confidence":0.99985945,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09825680404901505},{"word":"you","start":3673.715,"end":3673.875,"confidence":0.99978274,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12743337452411652},{"word":"have","start":3673.875,"end":3674.035,"confidence":0.9993942,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15279188752174375},{"word":"the","start":3674.035,"end":3674.275,"confidence":0.99820817,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14012594521045685},{"word":"maximum","start":3674.275,"end":3674.775,"confidence":0.9997471,"punctuated_word":"maximum","sentiment":"neutral","sentiment_score":0.13716596364974976},{"word":"benefit","start":3674.835,"end":3675.2349,"confidence":0.762892,"punctuated_word":"benefit,","sentiment":"neutral","sentiment_score":0.1566028892993927},{"word":"that","start":3675.2349,"end":3675.395,"confidence":0.98675376,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12709492444992063},{"word":"you're","start":3675.395,"end":3675.555,"confidence":0.9991089,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.13086482882499695},{"word":"not","start":3675.555,"end":3675.795,"confidence":0.99901164,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.08594528585672379},{"word":"over","start":3675.795,"end":3676.115,"confidence":0.9981572,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.08496806025505066},{"word":"insured","start":3676.115,"end":3676.595,"confidence":0.8384264,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":0.07005544006824493},{"word":"and","start":3676.595,"end":3676.755,"confidence":0.93216866,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09941930323839188},{"word":"not","start":3676.755,"end":3676.9949,"confidence":0.99246216,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.05927664414048195},{"word":"overpaying","start":3676.9949,"end":3677.4949,"confidence":0.9951185,"punctuated_word":"overpaying","sentiment":"neutral","sentiment_score":0.0483713261783123},{"word":"for","start":3677.555,"end":3677.715,"confidence":0.6414056,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06661573797464371},{"word":"the","start":3677.715,"end":3677.875,"confidence":0.99920976,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08012484759092331},{"word":"income","start":3677.875,"end":3678.195,"confidence":0.9978549,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05245179682970047},{"word":"protection","start":3678.195,"end":3678.675,"confidence":0.9994425,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.041570995002985},{"word":"side","start":3678.675,"end":3678.915,"confidence":0.99919754,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.10755359381437302},{"word":"of","start":3678.915,"end":3679.075,"confidence":0.99908495,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10358758270740508},{"word":"things","start":3679.075,"end":3679.575,"confidence":0.9990989,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.08167362213134766},{"word":"i'll","start":3680.115,"end":3680.275,"confidence":0.80738366,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04532855004072189},{"word":"also","start":3680.275,"end":3680.675,"confidence":0.9981629,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.03748640418052673},{"word":"look","start":3680.675,"end":3680.915,"confidence":0.99813485,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04224955290555954},{"word":"at","start":3680.915,"end":3680.9949,"confidence":0.99364716,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03130057081580162},{"word":"the","start":3680.9949,"end":3681.155,"confidence":0.9987287,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04186403006315231},{"word":"life","start":3681.155,"end":3681.39,"confidence":0.9880385,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.034971341490745544},{"word":"and","start":3681.47,"end":3681.63,"confidence":0.8865815,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.027118708938360218},{"word":"tbd","start":3681.63,"end":3682.13,"confidence":0.8648164,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":0.020188426598906517},{"word":"look","start":3682.5898,"end":3682.8298,"confidence":0.99913764,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.024757904931902885},{"word":"at","start":3682.8298,"end":3683.0698,"confidence":0.99977916,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.022229231894016262},{"word":"halving","start":3683.0698,"end":3683.47,"confidence":0.84840643,"punctuated_word":"halving","sentiment":"neutral","sentiment_score":0.029239818453788757},{"word":"the","start":3683.47,"end":3683.5498,"confidence":0.9450662,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013340124860405922},{"word":"level","start":3683.5498,"end":3683.8699,"confidence":0.9993699,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.003505285829305649},{"word":"and","start":3683.8699,"end":3684.0298,"confidence":0.7521867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0016544722020626068},{"word":"also","start":3684.0298,"end":3684.3499,"confidence":0.8845801,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.00036407262086868286},{"word":"canceling","start":3684.3499,"end":3684.8499,"confidence":0.9192677,"punctuated_word":"canceling,","sentiment":"neutral","sentiment_score":0.0018134377896785736},{"word":"look","start":3684.99,"end":3685.23,"confidence":0.9910568,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.015686800703406334},{"word":"at","start":3685.23,"end":3685.3098,"confidence":0.9855203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.025317491963505745},{"word":"what","start":3685.3098,"end":3685.5498,"confidence":0.9996025,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.036846648901700974},{"word":"that","start":3685.5498,"end":3685.71,"confidence":0.99869436,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03059208951890469},{"word":"does","start":3685.71,"end":3686.1099,"confidence":0.9991665,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.024914003908634182},{"word":"projected","start":3686.1099,"end":3686.6099,"confidence":0.8840972,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.043952398002147675},{"word":"outcome","start":3686.67,"end":3687.17,"confidence":0.99833435,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":0.04773300141096115},{"word":"as","start":3687.3098,"end":3687.5498,"confidence":0.8985509,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.027906617149710655},{"word":"well","start":3687.5498,"end":3687.95,"confidence":0.9999361,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.05073174834251404},{"word":"as","start":3687.95,"end":3688.45,"confidence":0.92869765,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.05778886377811432},{"word":"cost","start":3688.91,"end":3689.23,"confidence":0.5931014,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.03411014750599861},{"word":"of","start":3689.23,"end":3689.39,"confidence":0.9997472,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030709560960531235},{"word":"your","start":3689.39,"end":3689.71,"confidence":0.9996985,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.032021015882492065},{"word":"insurances","start":3689.71,"end":3690.21,"confidence":0.8820286,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.024030564352869987},{"word":"and","start":3690.75,"end":3690.91,"confidence":0.99778134,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01581990160048008},{"word":"look","start":3690.91,"end":3691.0698,"confidence":0.9997702,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.011699764057993889},{"word":"at","start":3691.0698,"end":3691.23,"confidence":0.99941635,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.015452297404408457},{"word":"whether","start":3691.23,"end":3691.47,"confidence":0.9996995,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.029490329325199127},{"word":"we","start":3691.47,"end":3691.71,"confidence":0.999858,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.039425645023584366},{"word":"can","start":3691.71,"end":3691.8699,"confidence":0.9998159,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04474882408976555},{"word":"just","start":3691.8699,"end":3692.19,"confidence":0.9972687,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.038102887570858},{"word":"reduce","start":3692.19,"end":3692.5898,"confidence":0.9982418,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.011190667748451231},{"word":"the","start":3692.5898,"end":3692.75,"confidence":0.9276263,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012581989169120789},{"word":"half","start":3692.75,"end":3693.0698,"confidence":0.9981337,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.0027173906564712524},{"word":"or","start":3693.0698,"end":3693.23,"confidence":0.99170214,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0052486807107925415},{"word":"get","start":3693.23,"end":3693.47,"confidence":0.9995565,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.013996396213769913},{"word":"rid","start":3693.47,"end":3693.63,"confidence":0.99990153,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.001669216901063919},{"word":"of","start":3693.63,"end":3693.8699,"confidence":0.9670715,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015842057764530182},{"word":"completely","start":3693.8699,"end":3694.3699,"confidence":0.9897432,"punctuated_word":"completely.","sentiment":"neutral","sentiment_score":0.005792010575532913},{"word":"but","start":3694.75,"end":3694.91,"confidence":0.88580894,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.02450755052268505},{"word":"realistically","start":3694.91,"end":3695.41,"confidence":0.9999709,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.03801899775862694},{"word":"if","start":3695.63,"end":3695.7898,"confidence":0.9997756,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05560758709907532},{"word":"anything","start":3695.7898,"end":3696.19,"confidence":0.9998752,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.05859440565109253},{"word":"was","start":3696.19,"end":3696.43,"confidence":0.9935562,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03612381964921951},{"word":"to","start":3696.43,"end":3696.615,"confidence":0.99560344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04370871186256409},{"word":"happen","start":3696.695,"end":3697.095,"confidence":0.99132246,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":0.030934343114495277},{"word":"goal","start":3697.095,"end":3697.335,"confidence":0.5790712,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.02014784887433052},{"word":"wise","start":3697.335,"end":3697.735,"confidence":0.9295894,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.020171478390693665},{"word":"insurances","start":3697.735,"end":3698.235,"confidence":0.82140213,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.01995929516851902},{"word":"you're","start":3698.375,"end":3698.615,"confidence":0.9238899,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.025569353252649307},{"word":"both","start":3698.615,"end":3698.855,"confidence":0.9977908,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.041372090578079224},{"word":"just","start":3698.855,"end":3699.095,"confidence":0.99807054,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.043693844228982925},{"word":"wanting","start":3699.095,"end":3699.415,"confidence":0.9995759,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.03446920961141586},{"word":"to","start":3699.415,"end":3699.4949,"confidence":0.99932885,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.055086903274059296},{"word":"make","start":3699.4949,"end":3699.655,"confidence":0.9998828,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06213872134685517},{"word":"sure","start":3699.655,"end":3699.975,"confidence":0.9994992,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07800497114658356},{"word":"any","start":3699.975,"end":3700.375,"confidence":0.9985158,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0607956238090992},{"word":"debts","start":3700.375,"end":3700.695,"confidence":0.95210344,"punctuated_word":"debts","sentiment":"neutral","sentiment_score":0.03643485903739929},{"word":"that","start":3700.695,"end":3700.855,"confidence":0.99965644,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.052579816430807114},{"word":"you","start":3700.855,"end":3701.015,"confidence":0.9998293,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0512768030166626},{"word":"have","start":3701.015,"end":3701.415,"confidence":0.9997842,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06398281455039978},{"word":"that's","start":3701.415,"end":3701.735,"confidence":0.8590921,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0660574734210968},{"word":"factoring","start":3701.735,"end":3702.215,"confidence":0.9993968,"punctuated_word":"factoring","sentiment":"neutral","sentiment_score":0.07246901094913483},{"word":"in","start":3702.215,"end":3702.695,"confidence":0.99917334,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06994957476854324},{"word":"the","start":3702.695,"end":3702.935,"confidence":0.99484503,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.053151607513427734},{"word":"100,000","start":3702.935,"end":3703.755,"confidence":0.9967348,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.03771908953785896},{"word":"taken","start":3704.135,"end":3704.455,"confidence":0.9747966,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":0.04852839186787605},{"word":"off","start":3704.455,"end":3704.615,"confidence":0.9985203,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.02984926477074623},{"word":"the","start":3704.615,"end":3704.775,"confidence":0.99916434,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04651644080877304},{"word":"loan","start":3704.775,"end":3705.255,"confidence":0.99769634,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.02945590764284134},{"word":"for","start":3705.255,"end":3705.575,"confidence":0.99928904,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0495804138481617},{"word":"the","start":3705.575,"end":3705.895,"confidence":0.9977259,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0597250834107399},{"word":"purchase","start":3705.895,"end":3706.375,"confidence":0.99843735,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.07119730114936829},{"word":"of","start":3706.375,"end":3706.535,"confidence":0.99985087,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08902134746313095},{"word":"the","start":3706.535,"end":3707.035,"confidence":0.9870689,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08832892030477524},{"word":"motor","start":3707.255,"end":3707.4949,"confidence":0.91161656,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.06438304483890533},{"word":"home","start":3707.4949,"end":3707.9949,"confidence":0.6522665,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.044605717062950134},{"word":"as","start":3708.135,"end":3708.375,"confidence":0.7162561,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08050945401191711},{"word":"well","start":3708.375,"end":3708.615,"confidence":0.9999672,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.11327295750379562},{"word":"as","start":3708.615,"end":3708.775,"confidence":0.9986041,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10496325045824052},{"word":"your","start":3708.775,"end":3709.015,"confidence":0.9996885,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1090649664402008},{"word":"current","start":3709.015,"end":3709.415,"confidence":0.99952877,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.09654724597930908},{"word":"vehicle","start":3709.415,"end":3709.815,"confidence":0.9997323,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.05925866216421127},{"word":"loans","start":3709.815,"end":3710.215,"confidence":0.9662376,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.06104152649641037},{"word":"is","start":3710.215,"end":3710.455,"confidence":0.9328911,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13071057200431824},{"word":"covered","start":3710.455,"end":3710.855,"confidence":0.8858211,"punctuated_word":"covered,","sentiment":"neutral","sentiment_score":0.09896437078714372},{"word":"and","start":3710.855,"end":3711.015,"confidence":0.9997737,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07569421827793121},{"word":"then","start":3711.015,"end":3711.415,"confidence":0.9998148,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08428522199392319},{"word":"funds","start":3711.415,"end":3711.815,"confidence":0.9989441,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.08318758755922318},{"word":"are","start":3711.815,"end":3711.975,"confidence":0.9938951,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09049195051193236},{"word":"provided","start":3711.975,"end":3712.475,"confidence":0.99994385,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":0.11759639531373978},{"word":"to","start":3712.5,"end":3712.98,"confidence":0.9996377,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12531277537345886},{"word":"your","start":3712.98,"end":3713.48,"confidence":0.9974915,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08802647143602371},{"word":"to","start":3714.5,"end":3714.74,"confidence":0.7519915,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10485187917947768},{"word":"your","start":3714.74,"end":3714.98,"confidence":0.9994518,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06779424846172333},{"word":"spouse","start":3714.98,"end":3715.46,"confidence":0.9995758,"punctuated_word":"spouse","sentiment":"neutral","sentiment_score":0.08278097212314606},{"word":"as","start":3715.46,"end":3715.7,"confidence":0.9996805,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09437894821166992},{"word":"a","start":3715.7,"end":3715.86,"confidence":0.99755955,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09492459148168564},{"word":"benefit","start":3715.86,"end":3716.36,"confidence":0.99590474,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.07069456577301025},{"word":"is","start":3716.5,"end":3716.66,"confidence":0.9998374,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.06883962452411652},{"word":"that","start":3716.66,"end":3716.9,"confidence":0.9999682,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08900299668312073},{"word":"right","start":3716.9,"end":3717.22,"confidence":0.99926937,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.06188197433948517},{"word":"am","start":3717.22,"end":3717.38,"confidence":0.99561125,"punctuated_word":"Am","sentiment":"neutral","sentiment_score":0.039475224912166595},{"word":"i","start":3717.38,"end":3717.54,"confidence":0.99975187,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05103551968932152},{"word":"on","start":3717.54,"end":3717.7,"confidence":0.99760497,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0522163026034832},{"word":"the","start":3717.7,"end":3717.86,"confidence":0.9120603,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04507772997021675},{"word":"track","start":3717.86,"end":3718.26,"confidence":0.99359214,"punctuated_word":"track?","sentiment":"neutral","sentiment_score":0.03859507665038109},{"word":"did","start":3718.26,"end":3718.42,"confidence":0.99948955,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.0240725576877594},{"word":"you","start":3718.42,"end":3718.58,"confidence":0.99984884,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.032019712030887604},{"word":"wanna","start":3718.58,"end":3718.9,"confidence":0.98983616,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.03733257949352264},{"word":"add","start":3718.9,"end":3719.06,"confidence":0.9997013,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.025808118283748627},{"word":"anything","start":3719.06,"end":3719.38,"confidence":0.9998764,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.04542034864425659},{"word":"to","start":3719.38,"end":3719.54,"confidence":0.99920136,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02560386434197426},{"word":"that","start":3719.54,"end":3719.78,"confidence":0.9991322,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03051738068461418},{"word":"goal","start":3719.78,"end":3720.02,"confidence":0.9938605,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.016379734501242638},{"word":"at","start":3720.02,"end":3720.18,"confidence":0.9991364,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02610696479678154},{"word":"all","start":3720.18,"end":3720.68,"confidence":0.9996007,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.029520925134420395},{"word":"nope","start":3722.5,"end":3722.82,"confidence":0.9029369,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.0035318161826580763},{"word":"that's","start":3722.82,"end":3723.14,"confidence":0.999848,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0789528340101242},{"word":"okay","start":3723.14,"end":3723.64,"confidence":0.99423766,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08744017779827118},{"word":"excellent","start":3723.94,"end":3724.44,"confidence":0.99981666,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.39663219451904297},{"word":"beautiful","start":3726.58,"end":3727.08,"confidence":0.99973965,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4454353451728821},{"word":"we're","start":3727.615,"end":3727.855,"confidence":0.98447704,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.20890843868255615},{"word":"not","start":3727.855,"end":3727.935,"confidence":0.9996543,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.13394005596637726},{"word":"looking","start":3727.935,"end":3728.335,"confidence":0.9998491,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.10153472423553468},{"word":"at","start":3728.335,"end":3728.5752,"confidence":0.9995353,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0970047488808632},{"word":"trauma","start":3728.5752,"end":3728.975,"confidence":0.8535799,"punctuated_word":"trauma.","sentiment":"neutral","sentiment_score":-0.017839036881923676},{"word":"and","start":3728.975,"end":3729.135,"confidence":0.93391097,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.0853789821267128},{"word":"lisa","start":3729.135,"end":3729.455,"confidence":0.9975282,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":0.12278087437152864},{"word":"for","start":3729.455,"end":3729.695,"confidence":0.9676711,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09984969347715378},{"word":"your","start":3729.695,"end":3729.935,"confidence":0.99804676,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13066217303276062},{"word":"insurance","start":3729.935,"end":3730.335,"confidence":0.7473115,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.16350120306015015},{"word":"as","start":3730.335,"end":3730.415,"confidence":0.37948528,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19579759240150452},{"word":"you're","start":3730.415,"end":3730.655,"confidence":0.9953522,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2820688486099243},{"word":"happy","start":3730.655,"end":3730.975,"confidence":0.99985325,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2513520121574402},{"word":"with","start":3730.975,"end":3731.135,"confidence":0.9989753,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3169220983982086},{"word":"the","start":3731.135,"end":3731.2952,"confidence":0.9732764,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31667807698249817},{"word":"amount","start":3731.2952,"end":3731.5352,"confidence":0.9965089,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.3029393255710602},{"word":"you","start":3731.5352,"end":3731.695,"confidence":0.9723736,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3363429605960846},{"word":"have","start":3731.695,"end":3731.935,"confidence":0.997133,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.332681804895401},{"word":"in","start":3731.935,"end":3732.095,"confidence":0.9863219,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3228645622730255},{"word":"brighter","start":3732.095,"end":3732.415,"confidence":0.69234216,"punctuated_word":"Brighter","sentiment":"neutral","sentiment_score":0.2932852804660797},{"word":"super","start":3732.415,"end":3732.8152,"confidence":0.90425235,"punctuated_word":"Super,","sentiment":"neutral","sentiment_score":0.2441195249557495},{"word":"just","start":3732.8152,"end":3733.0552,"confidence":0.99671483,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18641290068626404},{"word":"looking","start":3733.0552,"end":3733.2952,"confidence":0.99971837,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.20745772123336792},{"word":"at","start":3733.2952,"end":3733.455,"confidence":0.99726045,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20236317813396457},{"word":"trying","start":3733.455,"end":3733.695,"confidence":0.987951,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.2428033947944641},{"word":"to","start":3733.695,"end":3733.935,"confidence":0.9965216,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24502582848072052},{"word":"transfer","start":3733.935,"end":3734.415,"confidence":0.99968445,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.1682552844285965},{"word":"that","start":3734.415,"end":3734.735,"confidence":0.998914,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17808307707309723},{"word":"over","start":3734.735,"end":3734.975,"confidence":0.9956468,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.18075037002563477},{"word":"where","start":3734.975,"end":3735.2952,"confidence":0.98001194,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.16189195215702057},{"word":"possible","start":3735.2952,"end":3735.7952,"confidence":0.7799462,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":0.17319799959659576},{"word":"and","start":3736.655,"end":3736.8152,"confidence":0.96300924,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1612052023410797},{"word":"then","start":3736.8152,"end":3737.0552,"confidence":0.99976,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.17630721628665924},{"word":"also","start":3737.0552,"end":3737.455,"confidence":0.8339474,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1829097270965576},{"word":"just","start":3737.455,"end":3737.695,"confidence":0.984462,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20475083589553833},{"word":"making","start":3737.695,"end":3738.0151,"confidence":0.9999231,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.19228051602840424},{"word":"sure","start":3738.0151,"end":3738.2551,"confidence":0.99978656,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2190627753734589},{"word":"everything's","start":3738.2551,"end":3738.7551,"confidence":0.9757191,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.20938819646835327},{"word":"projected","start":3738.8152,"end":3739.3152,"confidence":0.9988404,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.24131987988948825},{"word":"forward","start":3739.375,"end":3739.855,"confidence":0.7553128,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.19423866271972656},{"word":"your","start":3739.855,"end":3740.095,"confidence":0.9960621,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.2271118313074112},{"word":"super","start":3740.095,"end":3740.5752,"confidence":0.83281714,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4106767177581787},{"word":"is","start":3740.5752,"end":3740.8152,"confidence":0.9996991,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.31942281126976013},{"word":"correct","start":3740.8152,"end":3741.215,"confidence":0.94245934,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.3171314597129822},{"word":"link","start":3741.215,"end":3741.5352,"confidence":0.99842274,"punctuated_word":"Link","sentiment":"neutral","sentiment_score":0.3037474751472473},{"word":"everything","start":3741.5352,"end":3741.935,"confidence":0.99869066,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.3164269030094147},{"word":"in","start":3741.935,"end":3742.095,"confidence":0.9453495,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3003164827823639},{"word":"the","start":3742.095,"end":3742.2551,"confidence":0.99632674,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.273600697517395},{"word":"back","start":3742.2551,"end":3742.415,"confidence":0.9302217,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.29323410987854004},{"word":"end","start":3742.415,"end":3742.74,"confidence":0.9979393,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.2762204110622406},{"word":"to","start":3743.54,"end":3743.6199,"confidence":0.99534506,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2746889591217041},{"word":"lower","start":3743.6199,"end":3744.02,"confidence":0.66783637,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.20809701085090637},{"word":"fees","start":3744.02,"end":3744.42,"confidence":0.9870936,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.22753110527992249},{"word":"as","start":3744.42,"end":3744.5,"confidence":0.9981025,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21115851402282715},{"word":"much","start":3744.5,"end":3744.74,"confidence":0.9993895,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.26379847526550293},{"word":"as","start":3744.74,"end":3744.98,"confidence":0.99882156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24000725150108335},{"word":"possible","start":3744.98,"end":3745.48,"confidence":0.99929214,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.2691083550453186},{"word":"as","start":3745.54,"end":3745.7,"confidence":0.9986119,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.30284634232521057},{"word":"well","start":3745.7,"end":3746.1,"confidence":0.9986577,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.32800212502479553},{"word":"and","start":3746.1,"end":3746.42,"confidence":0.8041416,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26663845777511597},{"word":"retain","start":3746.42,"end":3746.82,"confidence":0.99612576,"punctuated_word":"retain","sentiment":"positive","sentiment_score":0.34488189220428467},{"word":"your","start":3746.82,"end":3747.14,"confidence":0.9967043,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32317447662353516},{"word":"q","start":3747.14,"end":3747.54,"confidence":0.54464966,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.3096957206726074},{"word":"super","start":3747.54,"end":3748.04,"confidence":0.89782387,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.2800854444503784},{"word":"you'd","start":3748.82,"end":3749.06,"confidence":0.84375405,"punctuated_word":"You'd","sentiment":"positive","sentiment_score":0.4052082300186157},{"word":"happy","start":3749.06,"end":3749.38,"confidence":0.49111548,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4688988924026489},{"word":"to","start":3749.38,"end":3749.54,"confidence":0.9986808,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3413480818271637},{"word":"retain","start":3749.54,"end":3749.86,"confidence":0.998555,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.2937721014022827},{"word":"your","start":3749.86,"end":3750.1,"confidence":0.9986045,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31195470690727234},{"word":"income","start":3750.1,"end":3750.5,"confidence":0.99866116,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.37140634655952454},{"word":"protection","start":3750.5,"end":3750.98,"confidence":0.994114,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.29305315017700195},{"word":"with","start":3750.98,"end":3751.14,"confidence":0.99858594,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3623324632644654},{"word":"your","start":3751.14,"end":3751.38,"confidence":0.99272233,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.27876609563827515},{"word":"employer","start":3751.38,"end":3751.88,"confidence":0.997419,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.2531982362270355},{"word":"there","start":3751.94,"end":3752.1,"confidence":0.99665666,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.23871569335460663},{"word":"as","start":3752.1,"end":3752.26,"confidence":0.9961718,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27658969163894653},{"word":"well","start":3752.26,"end":3752.5,"confidence":0.767997,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2815234065055847},{"word":"and","start":3752.5,"end":3752.74,"confidence":0.99624455,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16763269901275635},{"word":"no","start":3752.74,"end":3752.98,"confidence":0.9952773,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.14302732050418854},{"word":"trauma","start":3752.98,"end":3753.38,"confidence":0.98739016,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.075063057243824},{"word":"for","start":3753.38,"end":3753.6199,"confidence":0.9588112,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1740412414073944},{"word":"each","start":3753.6199,"end":3753.86,"confidence":0.99697065,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.24278679490089417},{"word":"of","start":3753.86,"end":3753.94,"confidence":0.9904801,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22261181473731995},{"word":"you","start":3753.94,"end":3754.18,"confidence":0.99647194,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17314934730529785},{"word":"does","start":3754.18,"end":3754.34,"confidence":0.9816774,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.11394622921943665},{"word":"that","start":3754.34,"end":3754.66,"confidence":0.99668,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.189578577876091},{"word":"sound","start":3754.66,"end":3754.9,"confidence":0.9978231,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.11133795231580734},{"word":"right","start":3754.9,"end":3755.4,"confidence":0.99097824,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.12167364358901978},{"word":"yep","start":3757.06,"end":3757.56,"confidence":0.9656303,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15299910306930542},{"word":"beautiful","start":3757.7,"end":3758.175,"confidence":0.98220694,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5550345182418823},{"word":"fantastic","start":3760.0151,"end":3760.5151,"confidence":0.9504638,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5976312160491943},{"word":"we're","start":3761.375,"end":3761.695,"confidence":0.9965101,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.48201629519462585},{"word":"happy","start":3761.695,"end":3762.095,"confidence":0.9999082,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5530580282211304},{"word":"to","start":3762.095,"end":3762.175,"confidence":0.9967618,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.48485395312309265},{"word":"stay","start":3762.175,"end":3762.415,"confidence":0.9835396,"punctuated_word":"stay","sentiment":"positive","sentiment_score":0.5303077101707458},{"word":"in","start":3762.415,"end":3762.575,"confidence":0.9992938,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3897843062877655},{"word":"a","start":3762.575,"end":3762.655,"confidence":0.6322027,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4187039732933045},{"word":"growth","start":3762.655,"end":3763.055,"confidence":0.98176354,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.45468783378601074},{"word":"portfolio","start":3763.055,"end":3763.555,"confidence":0.9989183,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.4212503433227539},{"word":"environment","start":3763.855,"end":3764.335,"confidence":0.99901605,"punctuated_word":"environment","sentiment":"positive","sentiment_score":0.4630779027938843},{"word":"for","start":3764.335,"end":3764.495,"confidence":0.9958293,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.30315008759498596},{"word":"the","start":3764.495,"end":3764.655,"confidence":0.9992416,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3233537971973419},{"word":"time","start":3764.655,"end":3764.975,"confidence":0.99962664,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3593124449253082},{"word":"being","start":3764.975,"end":3765.2952,"confidence":0.8014531,"punctuated_word":"being,","sentiment":"positive","sentiment_score":0.34880298376083374},{"word":"looking","start":3765.2952,"end":3765.5352,"confidence":0.99834025,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.38810279965400696},{"word":"at","start":3765.5352,"end":3765.695,"confidence":0.98345965,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3966977298259735},{"word":"the","start":3765.695,"end":3765.7751,"confidence":0.9990465,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37444719672203064},{"word":"best","start":3765.7751,"end":3766.0151,"confidence":0.99962413,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.2673722505569458},{"word":"way","start":3766.0151,"end":3766.175,"confidence":0.999432,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.3899708390235901},{"word":"to","start":3766.175,"end":3766.335,"confidence":0.99787605,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4027465879917145},{"word":"move","start":3766.335,"end":3766.575,"confidence":0.9985154,"punctuated_word":"move","sentiment":"positive","sentiment_score":0.4558793604373932},{"word":"things","start":3766.575,"end":3766.735,"confidence":0.9951584,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.478738009929657},{"word":"forward","start":3766.735,"end":3767.055,"confidence":0.7813215,"punctuated_word":"forward,","sentiment":"positive","sentiment_score":0.4169735908508301},{"word":"salary","start":3767.055,"end":3767.5352,"confidence":0.9961331,"punctuated_word":"salary","sentiment":"positive","sentiment_score":0.38503509759902954},{"word":"sacrifice","start":3767.5352,"end":3768.0352,"confidence":0.93791085,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.24985116720199585},{"word":"for","start":3768.095,"end":3768.335,"confidence":0.9727648,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3459382951259613},{"word":"both","start":3768.335,"end":3768.495,"confidence":0.9978331,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.368923157453537},{"word":"of","start":3768.495,"end":3768.655,"confidence":0.9976024,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.37363263964653015},{"word":"you","start":3768.655,"end":3768.815,"confidence":0.99649304,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3825889527797699},{"word":"there","start":3768.815,"end":3769.055,"confidence":0.81414604,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.3453490436077118},{"word":"and","start":3769.055,"end":3769.2952,"confidence":0.9935063,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3169604539871216},{"word":"then","start":3769.2952,"end":3769.7952,"confidence":0.99716526,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.3030983507633209},{"word":"beneficiaries","start":3770.175,"end":3770.675,"confidence":0.44644272,"punctuated_word":"beneficiaries,","sentiment":"neutral","sentiment_score":0.31576210260391235},{"word":"making","start":3771.46,"end":3771.7,"confidence":0.9771089,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.345228910446167},{"word":"sure","start":3771.7,"end":3772.02,"confidence":0.99983776,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.35872533917427063},{"word":"that","start":3772.02,"end":3772.1802,"confidence":0.9992976,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35767418146133423},{"word":"everything","start":3772.1802,"end":3772.58,"confidence":0.9998053,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.35961246490478516},{"word":"is","start":3772.58,"end":3772.74,"confidence":0.99958676,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.34896552562713623},{"word":"directed","start":3772.74,"end":3773.1401,"confidence":0.99889046,"punctuated_word":"directed","sentiment":"positive","sentiment_score":0.35630348324775696},{"word":"to","start":3773.1401,"end":3773.3,"confidence":0.999089,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.329036682844162},{"word":"each","start":3773.3,"end":3773.62,"confidence":0.9996731,"punctuated_word":"each","sentiment":"positive","sentiment_score":0.34005361795425415},{"word":"other","start":3773.62,"end":3773.78,"confidence":0.99958056,"punctuated_word":"other","sentiment":"positive","sentiment_score":0.37743639945983887},{"word":"in","start":3773.78,"end":3773.94,"confidence":0.9996165,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.297669380903244},{"word":"the","start":3773.94,"end":3774.1,"confidence":0.9997141,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2822714149951935},{"word":"event","start":3774.1,"end":3774.5,"confidence":0.9986731,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.22135458886623385},{"word":"of","start":3774.5,"end":3774.74,"confidence":0.9969963,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1848384141921997},{"word":"passing","start":3774.74,"end":3775.24,"confidence":0.99922574,"punctuated_word":"passing","sentiment":"neutral","sentiment_score":0.21927930414676663},{"word":"prematurely","start":3775.3,"end":3775.8,"confidence":0.9959216,"punctuated_word":"prematurely.","sentiment":"neutral","sentiment_score":0.2475217282772064},{"word":"is","start":3776.1802,"end":3776.34,"confidence":0.99967396,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.17463088035583496},{"word":"that","start":3776.34,"end":3776.58,"confidence":0.99994886,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20370642840862271},{"word":"correct","start":3776.58,"end":3777.08,"confidence":0.9997473,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":0.19609645009040833},{"word":"yep","start":3778.74,"end":3779.24,"confidence":0.8969947,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14084281027317047},{"word":"beautiful","start":3779.3801,"end":3779.8801,"confidence":0.9995668,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4676039218902588},{"word":"excellent","start":3780.58,"end":3781.08,"confidence":0.9995368,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.2131405919790268},{"word":"is","start":3781.94,"end":3782.1802,"confidence":0.99309385,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.02790578082203865},{"word":"there","start":3782.1802,"end":3782.4202,"confidence":0.9999621,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.015110358595848083},{"word":"anything","start":3782.4202,"end":3782.82,"confidence":0.99920243,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.04456539452075958},{"word":"else","start":3782.82,"end":3783.1401,"confidence":0.9998691,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.03739475458860397},{"word":"that","start":3783.1401,"end":3783.3,"confidence":0.9993311,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014211641624569891},{"word":"i","start":3783.3,"end":3783.46,"confidence":0.9995443,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008661806583404541},{"word":"might","start":3783.46,"end":3783.62,"confidence":0.9998946,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.009283984079957008},{"word":"have","start":3783.62,"end":3783.78,"confidence":0.9436499,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.00963662937283516},{"word":"missed","start":3783.78,"end":3784.1802,"confidence":0.99952996,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":-0.00563875213265419},{"word":"that","start":3784.1802,"end":3784.4202,"confidence":0.9992906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014249766245484352},{"word":"you","start":3784.4202,"end":3784.5,"confidence":0.99979573,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013561001047492027},{"word":"might","start":3784.5,"end":3784.74,"confidence":0.99973136,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.016196580603718758},{"word":"want","start":3784.74,"end":3784.98,"confidence":0.9991844,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.022985437884926796},{"word":"me","start":3784.98,"end":3785.1401,"confidence":0.9997204,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.023391418159008023},{"word":"to","start":3785.1401,"end":3785.3,"confidence":0.9993316,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016140392050147057},{"word":"factor","start":3785.3,"end":3785.7,"confidence":0.99260217,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.03416236490011215},{"word":"in","start":3785.7,"end":3786.02,"confidence":0.9974813,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04194026440382004},{"word":"for","start":3786.02,"end":3786.1802,"confidence":0.999218,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03935941681265831},{"word":"you","start":3786.1802,"end":3786.435,"confidence":0.9963019,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.04414951801300049},{"word":"okay","start":3793.955,"end":3794.435,"confidence":0.9950298,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10270872712135316},{"word":"we'll","start":3794.435,"end":3794.7551,"confidence":0.9986142,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.09119893610477448},{"word":"need","start":3794.7551,"end":3794.915,"confidence":0.9998109,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.1297406107187271},{"word":"to","start":3794.915,"end":3795.075,"confidence":0.999313,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11771894991397858},{"word":"update","start":3795.075,"end":3795.395,"confidence":0.9997429,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.10618314146995544},{"word":"that","start":3795.395,"end":3795.635,"confidence":0.999446,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10566326230764388},{"word":"for","start":3795.635,"end":3795.875,"confidence":0.99949837,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13226690888404846},{"word":"you","start":3795.875,"end":3796.375,"confidence":0.9987942,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.10405895113945007},{"word":"then","start":3796.995,"end":3797.475,"confidence":0.12977888,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.18098679184913635},{"word":"easy","start":3797.7952,"end":3798.115,"confidence":0.91629565,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.2067461609840393},{"word":"not","start":3798.115,"end":3798.45,"confidence":0.99751294,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.32276907563209534},{"word":"a","start":3798.53,"end":3798.6099,"confidence":0.90106297,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2541979253292084},{"word":"problem","start":3798.6099,"end":3798.77,"confidence":0.99953496,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.3094739019870758},{"word":"at","start":3798.77,"end":3798.8499,"confidence":0.9995053,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2838153839111328},{"word":"all","start":3798.8499,"end":3798.93,"confidence":0.99976003,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.3028290569782257},{"word":"what","start":3798.93,"end":3799.17,"confidence":0.9995332,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.17087700963020325},{"word":"we","start":3799.17,"end":3799.3298,"confidence":0.9995715,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13875998556613922},{"word":"will","start":3799.3298,"end":3799.41,"confidence":0.79480493,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.155004620552063},{"word":"do","start":3799.41,"end":3799.65,"confidence":0.99952495,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16315995156764984},{"word":"is","start":3799.65,"end":3799.81,"confidence":0.99955624,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.136123389005661},{"word":"i'll","start":3799.81,"end":3800.05,"confidence":0.9384999,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1651391088962555},{"word":"factor","start":3800.05,"end":3800.29,"confidence":0.9177303,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.13030731678009033},{"word":"that","start":3800.29,"end":3800.45,"confidence":0.9488179,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14315873384475708},{"word":"into","start":3800.45,"end":3800.69,"confidence":0.81671816,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.13413545489311218},{"word":"the","start":3800.69,"end":3800.77,"confidence":0.9176952,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1677856594324112},{"word":"device","start":3800.77,"end":3801.0898,"confidence":0.96054745,"punctuated_word":"device.","sentiment":"neutral","sentiment_score":0.1359805315732956},{"word":"we'll","start":3801.0898,"end":3801.3298,"confidence":0.9984319,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.1554529368877411},{"word":"have","start":3801.3298,"end":3801.49,"confidence":0.99992204,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1809605360031128},{"word":"your","start":3801.49,"end":3801.65,"confidence":0.9992067,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1308760941028595},{"word":"name","start":3801.65,"end":3802.13,"confidence":0.999861,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.12880299985408783},{"word":"updated","start":3802.13,"end":3802.53,"confidence":0.99245554,"punctuated_word":"updated.","sentiment":"neutral","sentiment_score":0.1902652382850647},{"word":"it's","start":3802.53,"end":3802.8499,"confidence":0.97757316,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.25836271047592163},{"word":"not","start":3802.8499,"end":3803.01,"confidence":0.99988115,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.25514161586761475},{"word":"a","start":3803.01,"end":3803.17,"confidence":0.99931765,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24813416600227356},{"word":"problem","start":3803.17,"end":3803.49,"confidence":0.9999385,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.2858584523200989},{"word":"at","start":3803.49,"end":3803.65,"confidence":0.9998518,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.23514936864376068},{"word":"all","start":3803.65,"end":3804.15,"confidence":0.9669595,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.24512413144111633},{"word":"as","start":3804.3699,"end":3804.6099,"confidence":0.52131325,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.1500026136636734},{"word":"part","start":3804.6099,"end":3804.8499,"confidence":0.999539,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.1004570722579956},{"word":"of","start":3804.8499,"end":3804.93,"confidence":0.99984884,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11199973523616792},{"word":"the","start":3804.93,"end":3805.17,"confidence":0.9987056,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12131532281637192},{"word":"implementation","start":3805.17,"end":3805.67,"confidence":0.9998118,"punctuated_word":"implementation","sentiment":"neutral","sentiment_score":0.09909680485725404},{"word":"process","start":3805.97,"end":3806.29,"confidence":0.998119,"punctuated_word":"process,","sentiment":"neutral","sentiment_score":0.09004263579845428},{"word":"we'll","start":3806.29,"end":3806.6099,"confidence":0.9992051,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.09864258021116255},{"word":"just","start":3806.6099,"end":3806.77,"confidence":0.99920243,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14656992256641388},{"word":"get","start":3806.77,"end":3806.8499,"confidence":0.9991386,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11367491632699966},{"word":"a","start":3806.8499,"end":3807.01,"confidence":0.99931216,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13105472922325134},{"word":"copy","start":3807.01,"end":3807.25,"confidence":0.99983764,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.10803305357694626},{"word":"of","start":3807.25,"end":3807.3298,"confidence":0.99899596,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1274222433567047},{"word":"your","start":3807.3298,"end":3807.57,"confidence":0.9281481,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11924199759960176},{"word":"marriage","start":3807.57,"end":3807.89,"confidence":0.99550253,"punctuated_word":"marriage","sentiment":"neutral","sentiment_score":0.09231488406658173},{"word":"certificate","start":3807.89,"end":3808.3699,"confidence":0.9948797,"punctuated_word":"certificate.","sentiment":"neutral","sentiment_score":0.12849241495132446},{"word":"we'll","start":3808.3699,"end":3808.53,"confidence":0.99939173,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.10539718717336656},{"word":"do","start":3808.53,"end":3808.69,"confidence":0.99895585,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1322585642337799},{"word":"the","start":3808.69,"end":3808.93,"confidence":0.99756765,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12464366853237152},{"word":"id","start":3808.93,"end":3809.3298,"confidence":0.982768,"punctuated_word":"ID","sentiment":"neutral","sentiment_score":0.07056877017021179},{"word":"side","start":3809.3298,"end":3809.57,"confidence":0.99193245,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.10857219994068146},{"word":"of","start":3809.57,"end":3809.73,"confidence":0.9975426,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11181274056434631},{"word":"things","start":3809.73,"end":3810.23,"confidence":0.92494977,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.11195442080497742},{"word":"and","start":3810.45,"end":3810.6099,"confidence":0.9650294,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10908989608287813},{"word":"we'll","start":3810.6099,"end":3810.77,"confidence":0.9937353,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.12591633200645447},{"word":"get","start":3810.77,"end":3811.01,"confidence":0.99272525,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13635045289993286},{"word":"the","start":3811.01,"end":3811.17,"confidence":0.98661846,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1322745978832245},{"word":"forms","start":3811.17,"end":3811.67,"confidence":0.9367977,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.07759545743465424},{"word":"sorted","start":3811.81,"end":3812.21,"confidence":0.98600173,"punctuated_word":"sorted","sentiment":"neutral","sentiment_score":0.16095206141471863},{"word":"and","start":3812.21,"end":3812.625,"confidence":0.95336086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18177038431167605},{"word":"over","start":3812.865,"end":3813.105,"confidence":0.9728521,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.18238840997219088},{"word":"to","start":3813.105,"end":3813.345,"confidence":0.9995881,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15406793355941772},{"word":"them","start":3813.345,"end":3813.585,"confidence":0.9996979,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.11453206837177277},{"word":"so","start":3813.585,"end":3813.825,"confidence":0.8777292,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14643272757530212},{"word":"we","start":3813.825,"end":3813.985,"confidence":0.9994809,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18193918466567993},{"word":"can","start":3813.985,"end":3814.225,"confidence":0.99989593,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1994705945253372},{"word":"help","start":3814.225,"end":3814.385,"confidence":0.9998573,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.17642377316951752},{"word":"you","start":3814.385,"end":3814.625,"confidence":0.9985556,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19773022830486295},{"word":"change","start":3814.625,"end":3814.865,"confidence":0.9997166,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.1316688358783722},{"word":"the","start":3814.865,"end":3815.025,"confidence":0.99967766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11427925527095796},{"word":"name","start":3815.025,"end":3815.425,"confidence":0.99969244,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.05167718976736069},{"word":"prior","start":3815.425,"end":3815.905,"confidence":0.9996836,"punctuated_word":"prior","sentiment":"neutral","sentiment_score":0.10728327184915544},{"word":"to","start":3815.905,"end":3816.385,"confidence":0.90086985,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.13716483116149902},{"word":"transferring","start":3816.865,"end":3817.365,"confidence":0.99993455,"punctuated_word":"transferring","sentiment":"neutral","sentiment_score":0.1503763347864151},{"word":"any","start":3817.425,"end":3817.745,"confidence":0.9995969,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.13835179805755615},{"word":"funds","start":3817.745,"end":3818.145,"confidence":0.9996408,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.09333009272813796},{"word":"over","start":3818.145,"end":3818.385,"confidence":0.9997968,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.14906072616577148},{"word":"to","start":3818.385,"end":3818.545,"confidence":0.81000024,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14673961699008942},{"word":"hub","start":3818.545,"end":3818.865,"confidence":0.4799039,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.09566641598939896},{"word":"twenty","start":3818.865,"end":3819.105,"confidence":0.99717605,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.11917413026094437},{"word":"four","start":3819.105,"end":3819.345,"confidence":0.79900384,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.11716513335704803},{"word":"but","start":3819.345,"end":3819.505,"confidence":0.9984231,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16075849533081055},{"word":"we","start":3819.505,"end":3819.665,"confidence":0.99988306,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1608205288648605},{"word":"can","start":3819.665,"end":3819.825,"confidence":0.99992394,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21986134350299835},{"word":"help","start":3819.825,"end":3819.9849,"confidence":0.99968815,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.2105469107627869},{"word":"you","start":3819.9849,"end":3820.145,"confidence":0.8126702,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19736522436141968},{"word":"with","start":3820.145,"end":3820.305,"confidence":0.56667835,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.222494438290596},{"word":"that","start":3820.305,"end":3820.465,"confidence":0.999183,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23013469576835632},{"word":"process","start":3820.465,"end":3820.865,"confidence":0.9963131,"punctuated_word":"process.","sentiment":"neutral","sentiment_score":0.1393120437860489},{"word":"that's","start":3820.865,"end":3821.185,"confidence":0.96370447,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2833988070487976},{"word":"not","start":3821.185,"end":3821.345,"confidence":0.9998325,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.29500681161880493},{"word":"a","start":3821.345,"end":3821.425,"confidence":0.9989655,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26794683933258057},{"word":"problem","start":3821.425,"end":3821.825,"confidence":0.9998908,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.31544339656829834},{"word":"at","start":3821.825,"end":3821.985,"confidence":0.9994185,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4044335782527923},{"word":"all","start":3821.985,"end":3822.305,"confidence":0.9996354,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.3432673513889313},{"word":"okay","start":3822.305,"end":3822.805,"confidence":0.84417576,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.24917343258857727},{"word":"excellent","start":3824.305,"end":3824.805,"confidence":0.9981891,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6587056517601013},{"word":"yep","start":3830.99,"end":3831.49,"confidence":0.95831585,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20460718870162964},{"word":"yep","start":3833.47,"end":3833.97,"confidence":0.92806274,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15998131036758423},{"word":"abs","start":3834.71,"end":3835.21,"confidence":0.6107525,"punctuated_word":"Abs","sentiment":"neutral","sentiment_score":0.26992523670196533},{"word":"absolutely","start":3836.1099,"end":3836.43,"confidence":0.97916794,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.31528258323669434},{"word":"all","start":3836.43,"end":3836.67,"confidence":0.91854733,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.35021403431892395},{"word":"good","start":3836.67,"end":3837.17,"confidence":0.99715364,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2982311248779297},{"word":"just","start":3837.8699,"end":3838.3499,"confidence":0.8141338,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.07676395773887634},{"word":"with","start":3838.3499,"end":3838.51,"confidence":0.98782766,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0998331978917122},{"word":"the","start":3838.51,"end":3838.67,"confidence":0.95903146,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10370767116546632},{"word":"fee","start":3838.67,"end":3838.91,"confidence":0.9404488,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.11092998087406158},{"word":"structure","start":3838.91,"end":3839.41,"confidence":0.99204975,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.08721119165420532},{"word":"now","start":3839.5498,"end":3840.0498,"confidence":0.7861206,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.0742533951997757},{"word":"it","start":3840.27,"end":3840.43,"confidence":0.87749755,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05168520286679268},{"word":"is","start":3840.43,"end":3840.5898,"confidence":0.90132135,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07870149612426758},{"word":"exactly","start":3840.5898,"end":3840.885,"confidence":0.59205157,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.09047996252775192},{"word":"implementation","start":3842.805,"end":3843.305,"confidence":0.5048252,"punctuated_word":"implementation","sentiment":"neutral","sentiment_score":0.06042173504829407},{"word":"fee","start":3843.605,"end":3843.7651,"confidence":0.9207329,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.06591513752937317},{"word":"for","start":3843.7651,"end":3843.925,"confidence":0.57823753,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0667080283164978},{"word":"yourself","start":3843.925,"end":3844.245,"confidence":0.9389384,"punctuated_word":"yourself,","sentiment":"neutral","sentiment_score":0.09358830749988556},{"word":"lisa","start":3844.245,"end":3844.645,"confidence":0.90728414,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":0.06929896771907806},{"word":"was","start":3844.645,"end":3844.885,"confidence":0.94939387,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.058775436133146286},{"word":"$4.09","start":3844.885,"end":3845.445,"confidence":0.8865315,"punctuated_word":"$4.09","sentiment":"neutral","sentiment_score":0.07350635528564453},{"word":"$5.00","start":3845.445,"end":3846.085,"confidence":0.93493754,"punctuated_word":"$5.00.","sentiment":"neutral","sentiment_score":0.07529602199792862},{"word":"that","start":3846.085,"end":3846.405,"confidence":0.8261631,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.08370566368103027},{"word":"is","start":3846.405,"end":3846.565,"confidence":0.9581696,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08906489610671997},{"word":"deducted","start":3846.565,"end":3846.965,"confidence":0.91553724,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.1142309308052063},{"word":"out","start":3846.965,"end":3847.125,"confidence":0.89998037,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12374936789274216},{"word":"of","start":3847.125,"end":3847.365,"confidence":0.94786584,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13226492702960968},{"word":"your","start":3847.365,"end":3847.525,"confidence":0.9551088,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12257835268974304},{"word":"super","start":3847.525,"end":3848.025,"confidence":0.72143805,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.13036371767520905},{"word":"at","start":3848.245,"end":3848.325,"confidence":0.77661514,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11515647172927856},{"word":"the","start":3848.325,"end":3848.485,"confidence":0.9037547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1250557154417038},{"word":"initial","start":3848.485,"end":3848.965,"confidence":0.938677,"punctuated_word":"initial","sentiment":"neutral","sentiment_score":0.1194540113210678},{"word":"role","start":3848.965,"end":3849.285,"confidence":0.49150094,"punctuated_word":"role","sentiment":"neutral","sentiment_score":0.13439974188804626},{"word":"over","start":3849.285,"end":3849.525,"confidence":0.9186175,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.11321304738521576},{"word":"there","start":3849.525,"end":3850.025,"confidence":0.98946726,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.10438483208417892},{"word":"scott","start":3850.245,"end":3850.485,"confidence":0.9109384,"punctuated_word":"Scott,","sentiment":"neutral","sentiment_score":0.125446617603302},{"word":"you're","start":3850.485,"end":3850.725,"confidence":0.9934304,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.14652690291404724},{"word":"already","start":3850.725,"end":3851.125,"confidence":0.9849416,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.18326039612293243},{"word":"a","start":3851.125,"end":3851.285,"confidence":0.9904371,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14323560893535614},{"word":"client","start":3851.285,"end":3851.525,"confidence":0.9038619,"punctuated_word":"client,","sentiment":"neutral","sentiment_score":0.14501193165779114},{"word":"so","start":3851.525,"end":3851.685,"confidence":0.986453,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12880167365074158},{"word":"there's","start":3851.685,"end":3852.185,"confidence":0.9711045,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1517709642648697},{"word":"no","start":3852.245,"end":3852.565,"confidence":0.977457,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.13431358337402344},{"word":"implementation","start":3852.565,"end":3853.065,"confidence":0.9522247,"punctuated_word":"implementation","sentiment":"neutral","sentiment_score":0.04360935091972351},{"word":"fee","start":3853.445,"end":3853.685,"confidence":0.98744255,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.09444723278284071},{"word":"for","start":3853.685,"end":3853.765,"confidence":0.75385576,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13199658691883087},{"word":"your","start":3853.765,"end":3854.0051,"confidence":0.9944088,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13638855516910553},{"word":"side","start":3854.0051,"end":3854.245,"confidence":0.99498475,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.1500333994626999},{"word":"of","start":3854.245,"end":3854.405,"confidence":0.9945884,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17454412579536438},{"word":"the","start":3854.405,"end":3854.565,"confidence":0.9975764,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15811102092266083},{"word":"advice","start":3854.565,"end":3855.065,"confidence":0.93006617,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.13897433876991272},{"word":"and","start":3855.86,"end":3856.1,"confidence":0.98992515,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11514229327440262},{"word":"then","start":3856.1,"end":3856.4202,"confidence":0.99931514,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13268402218818665},{"word":"the","start":3856.4202,"end":3856.58,"confidence":0.9989011,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12024584412574768},{"word":"ongoing","start":3856.58,"end":3857.08,"confidence":0.99934155,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.12097512185573578},{"word":"service","start":3857.22,"end":3857.7,"confidence":0.9996389,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.08923068642616272},{"word":"fee","start":3857.7,"end":3858.2,"confidence":0.9984975,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.10988998413085938},{"word":"for","start":3858.4202,"end":3858.58,"confidence":0.95338696,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11126979440450668},{"word":"the","start":3858.58,"end":3858.74,"confidence":0.985188,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10396020859479904},{"word":"first","start":3858.74,"end":3859.06,"confidence":0.9980392,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.10893288999795914},{"word":"year","start":3859.06,"end":3859.3801,"confidence":0.9983613,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.13913804292678833},{"word":"is","start":3859.3801,"end":3859.54,"confidence":0.9991393,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10968524217605592},{"word":"1.10%","start":3859.54,"end":3861.06,"confidence":0.9990908,"punctuated_word":"1.10%.","sentiment":"neutral","sentiment_score":0.14371497929096222},{"word":"we","start":3861.06,"end":3861.22,"confidence":0.9998292,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.08671271800994873},{"word":"obviously","start":3861.22,"end":3861.62,"confidence":0.9517955,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.09117807447910307},{"word":"do","start":3861.62,"end":3861.86,"confidence":0.99861217,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08108490705490112},{"word":"reviews","start":3861.86,"end":3862.34,"confidence":0.9991375,"punctuated_word":"reviews","sentiment":"neutral","sentiment_score":0.06316684186458588},{"word":"with","start":3862.34,"end":3862.5,"confidence":0.99979764,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08526285737752914},{"word":"you","start":3862.5,"end":3862.74,"confidence":0.99989784,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11082427203655244},{"word":"and","start":3862.74,"end":3862.82,"confidence":0.95540994,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09310847520828248},{"word":"then","start":3862.82,"end":3863.06,"confidence":0.998741,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.10568737983703612},{"word":"you","start":3863.06,"end":3863.1401,"confidence":0.99987924,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09034793078899384},{"word":"know","start":3863.1401,"end":3863.3801,"confidence":0.99995226,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0940382033586502},{"word":"go","start":3863.3801,"end":3863.62,"confidence":0.9972115,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10879045724868774},{"word":"through","start":3863.62,"end":3863.78,"confidence":0.9990758,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1067548394203186},{"word":"the","start":3863.78,"end":3863.94,"confidence":0.999308,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09879998862743378},{"word":"fee","start":3863.94,"end":3864.18,"confidence":0.91946346,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.06490559130907059},{"word":"structure","start":3864.18,"end":3864.58,"confidence":0.9981452,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.060580819845199585},{"word":"each","start":3864.58,"end":3864.9001,"confidence":0.99802136,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.05930803716182709},{"word":"year","start":3864.9001,"end":3865.4001,"confidence":0.9926657,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.08031679689884186},{"word":"if","start":3865.7,"end":3865.86,"confidence":0.9884566,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.09456773102283478},{"word":"there's","start":3865.86,"end":3866.1,"confidence":0.9997899,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0664181038737297},{"word":"any","start":3866.1,"end":3866.34,"confidence":0.9997061,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.049432024359703064},{"word":"changes","start":3866.34,"end":3866.6602,"confidence":0.99947065,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.0361686646938324},{"word":"down","start":3866.6602,"end":3866.9001,"confidence":0.9428519,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.06342867016792297},{"word":"the","start":3866.9001,"end":3866.98,"confidence":0.9980767,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07652521133422852},{"word":"track","start":3866.98,"end":3867.22,"confidence":0.9973023,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.08362999558448792},{"word":"i'll","start":3867.22,"end":3867.46,"confidence":0.9972877,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09797337651252748},{"word":"talk","start":3867.46,"end":3867.7,"confidence":0.9965528,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.10057374089956284},{"word":"you","start":3867.7,"end":3867.86,"confidence":0.9783577,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10550706833600998},{"word":"through","start":3867.86,"end":3868.02,"confidence":0.99781394,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08586589246988297},{"word":"that","start":3868.02,"end":3868.18,"confidence":0.99946815,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1155991405248642},{"word":"before","start":3868.18,"end":3868.5,"confidence":0.99962187,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.08252556622028351},{"word":"we","start":3868.5,"end":3868.6602,"confidence":0.99974304,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07835802435874939},{"word":"agree","start":3868.6602,"end":3868.98,"confidence":0.99677724,"punctuated_word":"agree","sentiment":"neutral","sentiment_score":0.0579352080821991},{"word":"to","start":3868.98,"end":3869.1401,"confidence":0.99241346,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0719982385635376},{"word":"anything","start":3869.1401,"end":3869.6401,"confidence":0.9315897,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":0.0776388868689537},{"word":"but","start":3870.285,"end":3870.4448,"confidence":0.9891558,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07555662095546722},{"word":"it's","start":3870.4448,"end":3870.765,"confidence":0.99969363,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06936051696538925},{"word":"1.10","start":3870.765,"end":3871.805,"confidence":0.9998364,"punctuated_word":"1.10","sentiment":"neutral","sentiment_score":0.06690765917301178},{"word":"for","start":3871.805,"end":3872.045,"confidence":0.9960983,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07988814264535904},{"word":"you","start":3872.045,"end":3872.2048,"confidence":0.99988115,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09014924615621568},{"word":"as","start":3872.2048,"end":3872.4448,"confidence":0.9995091,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09313761442899704},{"word":"the","start":3872.4448,"end":3872.605,"confidence":0.94696146,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07098539173603058},{"word":"couple","start":3872.605,"end":3873.005,"confidence":0.99422175,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.050586946308612823},{"word":"fee","start":3873.005,"end":3873.405,"confidence":0.9712701,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.06190656125545502},{"word":"currently","start":3873.405,"end":3873.905,"confidence":0.8542609,"punctuated_word":"currently.","sentiment":"neutral","sentiment_score":0.06230786815285683},{"word":"and","start":3874.6848,"end":3874.845,"confidence":0.97516894,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07558897882699966},{"word":"then","start":3874.845,"end":3875.085,"confidence":0.9998147,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07524783909320831},{"word":"once","start":3875.085,"end":3875.405,"confidence":0.9990872,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.11132240295410156},{"word":"you","start":3875.405,"end":3875.565,"confidence":0.9998498,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10336199402809144},{"word":"come","start":3875.565,"end":3875.805,"confidence":0.9997192,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.10022855550050735},{"word":"on","start":3875.805,"end":3875.9648,"confidence":0.72938573,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08425970375537872},{"word":"board","start":3875.9648,"end":3876.365,"confidence":0.99240804,"punctuated_word":"board,","sentiment":"neutral","sentiment_score":0.09983515739440918},{"word":"scott","start":3876.365,"end":3876.6848,"confidence":0.9667723,"punctuated_word":"Scott","sentiment":"neutral","sentiment_score":0.11278890818357468},{"word":"also","start":3876.6848,"end":3877.085,"confidence":0.5269204,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.13124370574951172},{"word":"gets","start":3877.085,"end":3877.325,"confidence":0.9540865,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.10942119359970091},{"word":"reduced","start":3877.325,"end":3877.805,"confidence":0.7652979,"punctuated_word":"reduced","sentiment":"neutral","sentiment_score":0.07721541821956635},{"word":"from","start":3877.805,"end":3877.9648,"confidence":0.9978308,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.10007008910179138},{"word":"the","start":3877.9648,"end":3878.125,"confidence":0.9983783,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0753498300909996},{"word":"1.65","start":3878.125,"end":3879.325,"confidence":0.9922527,"punctuated_word":"1.65.","sentiment":"neutral","sentiment_score":0.05857998877763748},{"word":"does","start":3879.325,"end":3879.565,"confidence":0.99955505,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0576106458902359},{"word":"that","start":3879.565,"end":3879.805,"confidence":0.99992883,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09697116911411284},{"word":"make","start":3879.805,"end":3879.9648,"confidence":0.9944951,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.054091744124889374},{"word":"sense","start":3879.9648,"end":3880.365,"confidence":0.9997016,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.05902218073606491},{"word":"do","start":3880.365,"end":3880.525,"confidence":0.9997763,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.035101067274808884},{"word":"you","start":3880.525,"end":3880.605,"confidence":0.99975413,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04607187211513519},{"word":"have","start":3880.605,"end":3880.845,"confidence":0.99986696,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03168646991252899},{"word":"any","start":3880.845,"end":3881.085,"confidence":0.9995795,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.026968253776431084},{"word":"questions","start":3881.085,"end":3881.585,"confidence":0.99963975,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.0226584542542696},{"word":"currently","start":3881.645,"end":3882.145,"confidence":0.99813783,"punctuated_word":"currently?","sentiment":"neutral","sentiment_score":0.026659410446882248},{"word":"no","start":3884.76,"end":3885.24,"confidence":0.69207424,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.19045153260231015},{"word":"fantastic","start":3885.24,"end":3885.74,"confidence":0.99908733,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.3971208035945892},{"word":"excellent","start":3886.04,"end":3886.54,"confidence":0.9995196,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.3653515577316284},{"word":"and","start":3886.9202,"end":3887.08,"confidence":0.5955013,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1477484107017517},{"word":"what","start":3887.08,"end":3887.24,"confidence":0.9992599,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1305427998304367},{"word":"i'll","start":3887.24,"end":3887.4001,"confidence":0.99987674,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15278726816177368},{"word":"do","start":3887.4001,"end":3887.56,"confidence":0.99984074,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15724024176597595},{"word":"is","start":3887.56,"end":3887.8,"confidence":0.9997805,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09833868592977524},{"word":"i'll","start":3887.8,"end":3888.04,"confidence":0.9838997,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11408065259456636},{"word":"get","start":3888.04,"end":3888.36,"confidence":0.9996024,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1434604376554489},{"word":"maddie","start":3888.36,"end":3888.86,"confidence":0.94697,"punctuated_word":"Maddie","sentiment":"neutral","sentiment_score":0.125987708568573},{"word":"to","start":3889.08,"end":3889.32,"confidence":0.9988506,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14778606593608856},{"word":"update","start":3889.32,"end":3889.82,"confidence":0.99376947,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.1201738938689232},{"word":"to","start":3891.0,"end":3891.1602,"confidence":0.49763978,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027057381346821785},{"word":"go","start":3891.1602,"end":3891.32,"confidence":0.9956774,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.02083626203238964},{"word":"in","start":3891.32,"end":3891.56,"confidence":0.998089,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01813538372516632},{"word":"and","start":3891.56,"end":3891.72,"confidence":0.99769706,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006862657144665718},{"word":"help","start":3891.72,"end":3891.96,"confidence":0.99940646,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.0532977469265461},{"word":"me","start":3891.96,"end":3892.04,"confidence":0.99799806,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07089786976575851},{"word":"with","start":3892.04,"end":3892.28,"confidence":0.99748695,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09721001982688904},{"word":"the","start":3892.28,"end":3892.52,"confidence":0.99268883,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08030766993761063},{"word":"the","start":3892.52,"end":3892.6802,"confidence":0.9883338,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07042069733142853},{"word":"id","start":3892.6802,"end":3893.1602,"confidence":0.99644035,"punctuated_word":"ID","sentiment":"neutral","sentiment_score":0.04290074110031128},{"word":"side","start":3893.1602,"end":3893.4001,"confidence":0.9971517,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.07624945789575577},{"word":"of","start":3893.4001,"end":3893.48,"confidence":0.9988943,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08765114098787308},{"word":"things","start":3893.48,"end":3893.8801,"confidence":0.99696624,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.08153458684682846},{"word":"yep","start":3893.8801,"end":3894.2002,"confidence":0.9984257,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0677114948630333},{"word":"we'll","start":3894.2002,"end":3894.36,"confidence":0.9982108,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.07875727862119675},{"word":"get","start":3894.36,"end":3894.52,"confidence":0.9991654,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07655484974384308},{"word":"that","start":3894.52,"end":3894.6802,"confidence":0.99830806,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07757996022701263},{"word":"link","start":3894.6802,"end":3895.0,"confidence":0.9360191,"punctuated_word":"link.","sentiment":"neutral","sentiment_score":0.028819559141993523},{"word":"she","start":3895.0,"end":3895.1602,"confidence":0.99264467,"punctuated_word":"She","sentiment":"neutral","sentiment_score":0.005757919512689114},{"word":"might","start":3895.1602,"end":3895.32,"confidence":0.9984855,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.007224095053970814},{"word":"just","start":3895.32,"end":3895.48,"confidence":0.9989054,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0018642526119947431},{"word":"need","start":3895.48,"end":3895.72,"confidence":0.99752635,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.003954790532588959},{"word":"to","start":3895.72,"end":3895.8,"confidence":0.9943264,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0019777705892920494},{"word":"call","start":3895.8,"end":3896.04,"confidence":0.9859446,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.0015079332515597343},{"word":"you","start":3896.04,"end":3896.2002,"confidence":0.96327275,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0012296857312321665},{"word":"to","start":3896.2002,"end":3896.36,"confidence":0.95741886,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0028904974460601807},{"word":"get","start":3896.36,"end":3896.6,"confidence":0.96432245,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.002167265862226486},{"word":"the","start":3896.6,"end":3896.6802,"confidence":0.85962874,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0027371179312467575},{"word":"information","start":3896.6802,"end":3897.1802,"confidence":0.9518946,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.005613371729850769},{"word":"from","start":3897.385,"end":3897.625,"confidence":0.99623764,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0058019813150167465},{"word":"your","start":3897.625,"end":3897.705,"confidence":0.48642176,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.009194053709506989},{"word":"lisa","start":3897.705,"end":3898.185,"confidence":0.39225894,"punctuated_word":"Lisa","sentiment":"neutral","sentiment_score":0.004340317100286484},{"word":"for","start":3898.185,"end":3898.425,"confidence":0.9966696,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.00776185654103756},{"word":"the","start":3898.425,"end":3898.5852,"confidence":0.99600816,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014556619338691236},{"word":"id","start":3898.5852,"end":3899.0852,"confidence":0.9950878,"punctuated_word":"ID","sentiment":"neutral","sentiment_score":0.008553986437618732},{"word":"link","start":3899.5452,"end":3899.7852,"confidence":0.5189078,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.017771221697330475},{"word":"to","start":3899.7852,"end":3900.0251,"confidence":0.98151153,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00917113944888115},{"word":"send","start":3900.0251,"end":3900.2651,"confidence":0.9630899,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.01511265244334936},{"word":"out","start":3900.2651,"end":3900.7651,"confidence":0.9092088,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.009736934676766396},{"word":"but","start":3900.8252,"end":3901.0652,"confidence":0.99892753,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.00983967911452055},{"word":"we'll","start":3901.0652,"end":3901.225,"confidence":0.9998491,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.01217113435268402},{"word":"try","start":3901.225,"end":3901.465,"confidence":0.99985945,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.018420584499835968},{"word":"and","start":3901.465,"end":3901.5452,"confidence":0.9980767,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.022274823859333992},{"word":"work","start":3901.5452,"end":3901.7852,"confidence":0.9999068,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.024885794147849083},{"word":"on","start":3901.7852,"end":3902.0251,"confidence":0.99967015,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03575645387172699},{"word":"that","start":3902.0251,"end":3902.2651,"confidence":0.99980444,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.035243067890405655},{"word":"hopefully","start":3902.2651,"end":3902.7651,"confidence":0.8370736,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":0.02406861074268818},{"word":"tomorrow","start":3902.8252,"end":3903.3252,"confidence":0.7805215,"punctuated_word":"tomorrow.","sentiment":"neutral","sentiment_score":0.026146819815039635},{"word":"and","start":3903.945,"end":3904.185,"confidence":0.5860815,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.011243922635912895},{"word":"i'll","start":3904.185,"end":3904.3452,"confidence":0.9985347,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.009737356565892696},{"word":"see","start":3904.3452,"end":3904.5051,"confidence":0.9988366,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.009069686755537988},{"word":"if","start":3904.5051,"end":3904.665,"confidence":0.9979705,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0036339936777949338},{"word":"maddie","start":3904.665,"end":3904.905,"confidence":0.9531045,"punctuated_word":"Maddie","sentiment":"neutral","sentiment_score":0.04441935569047928},{"word":"can","start":3904.905,"end":3905.0652,"confidence":0.9982437,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04246584326028824},{"word":"give","start":3905.0652,"end":3905.225,"confidence":0.996376,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.040588460862636566},{"word":"you","start":3905.225,"end":3905.385,"confidence":0.9924529,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.055875930935144424},{"word":"a","start":3905.385,"end":3905.465,"confidence":0.9900097,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0518004484474659},{"word":"hand","start":3905.465,"end":3905.625,"confidence":0.9945492,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":0.05399493873119354},{"word":"with","start":3905.625,"end":3905.7852,"confidence":0.99937797,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06329567730426788},{"word":"that","start":3905.7852,"end":3905.945,"confidence":0.9998178,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07498752325773239},{"word":"one","start":3905.945,"end":3906.185,"confidence":0.9977275,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.05389762669801712},{"word":"we'll","start":3906.185,"end":3906.425,"confidence":0.99520576,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.048751797527074814},{"word":"see","start":3906.425,"end":3906.5852,"confidence":0.99945027,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.04281381517648697},{"word":"if","start":3906.5852,"end":3906.665,"confidence":0.999648,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.043420180678367615},{"word":"we","start":3906.665,"end":3906.8252,"confidence":0.9990978,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04521286487579346},{"word":"can","start":3906.8252,"end":3906.985,"confidence":0.99969447,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05666758492588997},{"word":"log","start":3906.985,"end":3907.225,"confidence":0.99328953,"punctuated_word":"log","sentiment":"neutral","sentiment_score":0.030040156096220016},{"word":"in","start":3907.225,"end":3907.385,"confidence":0.8304762,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03999772295355797},{"word":"to","start":3907.385,"end":3907.5452,"confidence":0.99621767,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06866270303726196},{"word":"it","start":3907.5452,"end":3907.7852,"confidence":0.99898523,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06760716438293457},{"word":"okay","start":3907.7852,"end":3908.2852,"confidence":0.88859147,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.0655922070145607},{"word":"excellent","start":3910.94,"end":3911.44,"confidence":0.9985759,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.652031421661377},{"word":"is","start":3912.0598,"end":3912.2998,"confidence":0.61194617,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.2735212445259094},{"word":"there","start":3912.2998,"end":3912.46,"confidence":0.9999708,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.17935319244861603},{"word":"any","start":3912.46,"end":3912.7,"confidence":0.999814,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1937793791294098},{"word":"additional","start":3912.7,"end":3913.0999,"confidence":0.9999076,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.17898209393024445},{"word":"questions","start":3913.0999,"end":3913.5,"confidence":0.9994393,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.17495588958263397},{"word":"or","start":3913.5,"end":3913.74,"confidence":0.9890798,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08521376550197601},{"word":"anything","start":3913.74,"end":3914.0598,"confidence":0.99995947,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.09622963517904282},{"word":"that","start":3914.0598,"end":3914.22,"confidence":0.99706787,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06599395722150803},{"word":"you","start":3914.22,"end":3914.46,"confidence":0.9998864,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06777223199605942},{"word":"guys","start":3914.46,"end":3914.6199,"confidence":0.9998368,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.08928176760673523},{"word":"think","start":3914.6199,"end":3914.8599,"confidence":0.99959165,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.07048249244689941},{"word":"i","start":3914.8599,"end":3915.0198,"confidence":0.99888855,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10047005116939545},{"word":"might","start":3915.0198,"end":3915.2598,"confidence":0.999858,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.11218136548995972},{"word":"have","start":3915.2598,"end":3915.5,"confidence":0.97278756,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06094016134738922},{"word":"missed","start":3915.5,"end":3915.9,"confidence":0.99958605,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":0.07753647118806839},{"word":"or","start":3915.9,"end":3916.14,"confidence":0.7891749,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0928964614868164},{"word":"anything","start":3916.14,"end":3916.46,"confidence":0.9998858,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.12027057260274888},{"word":"else","start":3916.46,"end":3916.7,"confidence":0.9997515,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.1382201611995697},{"word":"that","start":3916.7,"end":3916.8599,"confidence":0.99704224,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07658334076404572},{"word":"you","start":3916.8599,"end":3917.0198,"confidence":0.9997911,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08041315525770187},{"word":"need","start":3917.0198,"end":3917.18,"confidence":0.99963856,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.056634217500686646},{"word":"to","start":3917.18,"end":3917.3398,"confidence":0.99825376,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0644252672791481},{"word":"bring","start":3917.3398,"end":3917.5798,"confidence":0.99988925,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.05613353103399277},{"word":"up","start":3917.5798,"end":3917.9,"confidence":0.9981832,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.09029171615839005},{"word":"or","start":3917.9,"end":3918.0598,"confidence":0.8851228,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09006518125534058},{"word":"any","start":3918.0598,"end":3918.2998,"confidence":0.99943227,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06009531766176224},{"word":"questions","start":3918.2998,"end":3918.7,"confidence":0.9996575,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.048691172152757645},{"word":"that","start":3918.7,"end":3918.7798,"confidence":0.9995696,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04156129062175751},{"word":"have","start":3918.7798,"end":3918.94,"confidence":0.9994204,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04235994815826416},{"word":"come","start":3918.94,"end":3919.0999,"confidence":0.9999317,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.02912462130188942},{"word":"out","start":3919.0999,"end":3919.2598,"confidence":0.9993868,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.03006250597536564},{"word":"of","start":3919.2598,"end":3919.42,"confidence":0.99922526,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.025320393964648247},{"word":"any","start":3919.42,"end":3919.66,"confidence":0.9997018,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.023810535669326786},{"word":"of","start":3919.66,"end":3919.8198,"confidence":0.9996723,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.020038679242134098},{"word":"that","start":3919.8198,"end":3920.3198,"confidence":0.9980931,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.006403438746929169},{"word":"fantastic","start":3923.42,"end":3923.92,"confidence":0.78153455,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5874795913696289},{"word":"and","start":3924.0598,"end":3924.22,"confidence":0.96978635,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2650323510169983},{"word":"what","start":3924.22,"end":3924.38,"confidence":0.9982187,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.19266563653945923},{"word":"i'll","start":3924.38,"end":3924.5398,"confidence":0.99928665,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.18562138080596924},{"word":"do","start":3924.5398,"end":3924.7,"confidence":0.99880934,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17996206879615784},{"word":"is","start":3924.7,"end":3924.8599,"confidence":0.9973695,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11688124388456345},{"word":"i'll","start":3924.8599,"end":3924.94,"confidence":0.9826108,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12372666597366332},{"word":"also","start":3924.94,"end":3925.18,"confidence":0.9871099,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.13022316992282867},{"word":"just","start":3925.18,"end":3925.455,"confidence":0.62454474,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17089751362800598},{"word":"send","start":3925.455,"end":3925.615,"confidence":0.9883967,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1397954523563385},{"word":"you","start":3925.615,"end":3925.695,"confidence":0.99943167,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1668139398097992},{"word":"an","start":3925.695,"end":3925.935,"confidence":0.99962187,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1261087954044342},{"word":"email","start":3925.935,"end":3926.335,"confidence":0.97578305,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.12601259350776672},{"word":"if","start":3926.335,"end":3926.495,"confidence":0.99822587,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.09662818908691406},{"word":"you","start":3926.495,"end":3926.655,"confidence":0.9998148,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08915374428033829},{"word":"can","start":3926.655,"end":3926.8152,"confidence":0.9997651,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10323385149240494},{"word":"send","start":3926.8152,"end":3926.975,"confidence":0.99963665,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.10575910657644272},{"word":"me","start":3926.975,"end":3927.475,"confidence":0.9691689,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.10829079151153564},{"word":"lisa","start":3928.095,"end":3928.495,"confidence":0.94613355,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":0.13253888487815857},{"word":"a","start":3928.495,"end":3928.655,"confidence":0.9993692,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17996060848236084},{"word":"copy","start":3928.655,"end":3928.895,"confidence":0.99926287,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.168747678399086},{"word":"of","start":3928.895,"end":3929.0552,"confidence":0.99970955,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14144057035446167},{"word":"your","start":3929.0552,"end":3929.5552,"confidence":0.9997907,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12617579102516174},{"word":"super","start":3929.695,"end":3930.095,"confidence":0.815617,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.18203458189964297},{"word":"statements","start":3930.095,"end":3930.595,"confidence":0.52176046,"punctuated_word":"statements","sentiment":"neutral","sentiment_score":0.16362403333187103},{"word":"for","start":3930.655,"end":3930.975,"confidence":0.9949655,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12752431631088257},{"word":"your","start":3930.975,"end":3931.215,"confidence":0.99504566,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13952016830444336},{"word":"brighter","start":3931.215,"end":3931.5352,"confidence":0.69566023,"punctuated_word":"Brighter","sentiment":"neutral","sentiment_score":0.16694653034210205},{"word":"super","start":3931.5352,"end":3931.935,"confidence":0.84304565,"punctuated_word":"Super,","sentiment":"neutral","sentiment_score":0.150572270154953},{"word":"your","start":3931.935,"end":3932.095,"confidence":0.98931783,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14665326476097107},{"word":"qsuper","start":3932.095,"end":3932.595,"confidence":0.68147665,"punctuated_word":"QSuper","sentiment":"neutral","sentiment_score":0.17206503450870514},{"word":"showing","start":3932.735,"end":3933.135,"confidence":0.8555669,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.16027864813804626},{"word":"the","start":3933.135,"end":3933.455,"confidence":0.97923946,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14187635481357574},{"word":"balances","start":3933.455,"end":3933.955,"confidence":0.7564273,"punctuated_word":"balances,","sentiment":"neutral","sentiment_score":0.12295326590538024},{"word":"and","start":3934.735,"end":3934.895,"confidence":0.62255657,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1034776046872139},{"word":"also","start":3934.895,"end":3935.135,"confidence":0.79576176,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1167457327246666},{"word":"the","start":3935.135,"end":3935.375,"confidence":0.9836596,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12854786217212677},{"word":"insurances","start":3935.375,"end":3935.875,"confidence":0.9449965,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.1098773255944252},{"word":"for","start":3935.935,"end":3936.175,"confidence":0.9393439,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0926089882850647},{"word":"brighter","start":3936.175,"end":3936.495,"confidence":0.9979569,"punctuated_word":"Brighter","sentiment":"neutral","sentiment_score":0.10062354058027267},{"word":"super","start":3936.495,"end":3936.8152,"confidence":0.9493119,"punctuated_word":"Super.","sentiment":"neutral","sentiment_score":0.11739061772823334},{"word":"and","start":3936.8152,"end":3937.0552,"confidence":0.997801,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08370872586965561},{"word":"if","start":3937.0552,"end":3937.215,"confidence":0.9986253,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0832996517419815},{"word":"i","start":3937.215,"end":3937.375,"confidence":0.99771607,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0831795483827591},{"word":"can","start":3937.375,"end":3937.5352,"confidence":0.99817216,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08639049530029297},{"word":"get","start":3937.5352,"end":3937.7751,"confidence":0.99794275,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08606470376253128},{"word":"both","start":3937.7751,"end":3937.935,"confidence":0.999022,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.07137370109558105},{"word":"of","start":3937.935,"end":3938.095,"confidence":0.9968144,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08489319682121277},{"word":"you","start":3938.095,"end":3938.2551,"confidence":0.9962198,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08238677680492401},{"word":"just","start":3938.2551,"end":3938.495,"confidence":0.9957151,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10384701192378998},{"word":"to","start":3938.495,"end":3938.5752,"confidence":0.9976655,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09024319797754288},{"word":"send","start":3938.5752,"end":3938.8152,"confidence":0.9962599,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.07216155529022217},{"word":"me","start":3938.8152,"end":3938.975,"confidence":0.99721104,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0912424847483635},{"word":"a","start":3938.975,"end":3939.0552,"confidence":0.98447454,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1036631166934967},{"word":"copy","start":3939.0552,"end":3939.375,"confidence":0.9958444,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.08195904642343521},{"word":"of","start":3939.375,"end":3939.615,"confidence":0.9888793,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08053115755319595},{"word":"your","start":3939.615,"end":3939.855,"confidence":0.98754346,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08083973079919815},{"word":"most","start":3939.855,"end":3940.355,"confidence":0.92996293,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.07647300511598587},{"word":"recent","start":3940.55,"end":3940.8699,"confidence":0.81875145,"punctuated_word":"recent","sentiment":"neutral","sentiment_score":0.08174601942300797},{"word":"payslip","start":3940.8699,"end":3941.3499,"confidence":0.8602414,"punctuated_word":"payslip","sentiment":"neutral","sentiment_score":0.07423946261405945},{"word":"as","start":3941.3499,"end":3941.59,"confidence":0.99894625,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09216034412384032},{"word":"well","start":3941.59,"end":3942.09,"confidence":0.9033375,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.09645767509937286},{"word":"i","start":3942.39,"end":3942.55,"confidence":0.9973151,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07915148138999939},{"word":"just","start":3942.55,"end":3942.79,"confidence":0.99088573,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07875747233629227},{"word":"need","start":3942.79,"end":3943.03,"confidence":0.9998603,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0752151608467102},{"word":"all","start":3943.03,"end":3943.19,"confidence":0.9997049,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07571662962436676},{"word":"of","start":3943.19,"end":3943.27,"confidence":0.96955585,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05478428304195404},{"word":"that","start":3943.27,"end":3943.59,"confidence":0.9991264,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06058221682906151},{"word":"to","start":3943.59,"end":3943.75,"confidence":0.99893576,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0577092207968235},{"word":"be","start":3943.75,"end":3943.99,"confidence":0.9996438,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05854400247335434},{"word":"able","start":3943.99,"end":3944.23,"confidence":0.999721,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.07719987630844116},{"word":"to","start":3944.23,"end":3944.31,"confidence":0.99875903,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08081165701150894},{"word":"go","start":3944.31,"end":3944.55,"confidence":0.99956495,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.08964066952466965},{"word":"forward","start":3944.55,"end":3944.79,"confidence":0.97879344,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.1023302674293518},{"word":"and","start":3944.79,"end":3944.95,"confidence":0.9907142,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08470531553030014},{"word":"do","start":3944.95,"end":3945.1099,"confidence":0.99890625,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08133377134799957},{"word":"the","start":3945.1099,"end":3945.27,"confidence":0.99909306,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08306198567152023},{"word":"research","start":3945.27,"end":3945.59,"confidence":0.98863375,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.06670456379652023},{"word":"and","start":3945.59,"end":3945.83,"confidence":0.8904551,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06509274244308472},{"word":"just","start":3945.83,"end":3946.07,"confidence":0.8478715,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08554069697856903},{"word":"double","start":3946.07,"end":3946.31,"confidence":0.998774,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.0953010767698288},{"word":"check","start":3946.31,"end":3946.55,"confidence":0.9993345,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.0729813203215599},{"word":"all","start":3946.55,"end":3946.63,"confidence":0.999255,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0956008806824684},{"word":"the","start":3946.63,"end":3946.79,"confidence":0.99697506,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08834508061408997},{"word":"figures","start":3946.79,"end":3947.1099,"confidence":0.9961802,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.0848248302936554},{"word":"and","start":3947.1099,"end":3947.27,"confidence":0.9623987,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07405441999435425},{"word":"make","start":3947.27,"end":3947.43,"confidence":0.9977919,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07220438122749329},{"word":"sure","start":3947.43,"end":3947.75,"confidence":0.99933344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08475383371114731},{"word":"everything","start":3947.75,"end":3948.07,"confidence":0.99961096,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.08952611684799194},{"word":"marries","start":3948.07,"end":3948.47,"confidence":0.98344266,"punctuated_word":"marries","sentiment":"neutral","sentiment_score":0.07489068061113358},{"word":"up","start":3948.47,"end":3948.63,"confidence":0.91234976,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07816706597805023},{"word":"for","start":3948.63,"end":3948.79,"confidence":0.9987375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06456742435693741},{"word":"you","start":3948.79,"end":3949.03,"confidence":0.9968587,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05052287131547928},{"word":"both","start":3949.03,"end":3949.53,"confidence":0.9448212,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":0.047648750245571136},{"word":"okay","start":3949.59,"end":3950.09,"confidence":0.7305139,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.030272232368588448},{"word":"okay","start":3958.265,"end":3958.765,"confidence":0.98865855,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0239576306194067},{"word":"it","start":3966.67,"end":3966.83,"confidence":0.34570602,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.05313349515199661},{"word":"they're","start":3966.91,"end":3966.99,"confidence":0.9255818,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.06811358034610748},{"word":"both","start":3966.99,"end":3967.39,"confidence":0.9810743,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.06524237990379333},{"word":"exactly","start":3967.39,"end":3967.71,"confidence":0.9943879,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.09016655385494232},{"word":"the","start":3967.71,"end":3967.79,"confidence":0.9936924,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07247637957334518},{"word":"same","start":3967.79,"end":3968.11,"confidence":0.97633934,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.06679724156856537},{"word":"just","start":3968.11,"end":3968.27,"confidence":0.9864044,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.07539635896682739},{"word":"the","start":3968.27,"end":3968.43,"confidence":0.99862695,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0958217903971672},{"word":"most","start":3968.43,"end":3968.67,"confidence":0.99974626,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.0744142085313797},{"word":"recent","start":3968.67,"end":3968.91,"confidence":0.9992717,"punctuated_word":"recent","sentiment":"neutral","sentiment_score":0.0778251364827156},{"word":"one","start":3968.91,"end":3969.15,"confidence":0.997996,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08124703913927078},{"word":"you've","start":3969.15,"end":3969.39,"confidence":0.9978508,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0942133292555809},{"word":"got","start":3969.39,"end":3969.55,"confidence":0.9994684,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09613995254039764},{"word":"will","start":3969.55,"end":3969.79,"confidence":0.9940177,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08998214453458786},{"word":"be","start":3969.79,"end":3970.03,"confidence":0.9960295,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1006115972995758},{"word":"absolutely","start":3970.03,"end":3970.51,"confidence":0.9996482,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.09143047779798508},{"word":"fine","start":3970.51,"end":3971.01,"confidence":0.9991467,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.09867767989635468},{"word":"yes","start":3971.07,"end":3971.55,"confidence":0.7502557,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05594891682267189},{"word":"don't","start":3971.55,"end":3971.79,"confidence":0.9811946,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":0.001163878245279193},{"word":"want","start":3971.79,"end":3971.95,"confidence":0.9718812,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.01861145906150341},{"word":"you","start":3971.95,"end":3972.11,"confidence":0.9969048,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012567458674311638},{"word":"to","start":3972.11,"end":3972.19,"confidence":0.9986204,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015606798231601717},{"word":"have","start":3972.19,"end":3972.43,"confidence":0.99784374,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0037929248064756393},{"word":"to","start":3972.43,"end":3972.51,"confidence":0.99284524,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0033687297254800797},{"word":"go","start":3972.51,"end":3972.67,"confidence":0.99816316,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.001887485384941101},{"word":"in","start":3972.67,"end":3972.83,"confidence":0.9939394,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0034060217440128326},{"word":"and","start":3972.83,"end":3972.99,"confidence":0.982002,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0014897901564836502},{"word":"yeah","start":3973.79,"end":3974.29,"confidence":0.9947157,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.006266997195780277},{"word":"yep","start":3978.27,"end":3978.77,"confidence":0.921356,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.016444984823465347},{"word":"yep","start":3980.67,"end":3981.15,"confidence":0.8817253,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05096631497144699},{"word":"beautiful","start":3981.15,"end":3981.3499,"confidence":0.9954084,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.46533203125},{"word":"that's","start":3981.3499,"end":3981.5498,"confidence":0.9331752,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5514418482780457},{"word":"absolutely","start":3981.5498,"end":3981.75,"confidence":0.63249177,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.5757002830505371},{"word":"perfect","start":3981.75,"end":3981.95,"confidence":0.8899904,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.6763776540756226},{"word":"i'll","start":3981.95,"end":3982.11,"confidence":0.8580237,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4249966144561768},{"word":"send","start":3982.11,"end":3982.2976,"confidence":0.5006021,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.4529946446418762},{"word":"the","start":3982.2976,"end":3982.485,"confidence":0.58347857,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.42643269896507263},{"word":"absolutely","start":3982.485,"end":3982.761,"confidence":0.5250903,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.4359053373336792},{"word":"perfect","start":3982.761,"end":3983.0366,"confidence":0.8430276,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.5442933440208435},{"word":"i'll","start":3983.0366,"end":3983.3125,"confidence":0.8944796,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2750401198863983},{"word":"send","start":3983.3125,"end":3983.5884,"confidence":0.6999747,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2824903428554535},{"word":"the","start":3983.5884,"end":3983.864,"confidence":0.6204865,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25505614280700684},{"word":"email","start":3983.864,"end":3984.14,"confidence":0.62691456,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2990104854106903},{"word":"now","start":3984.14,"end":3984.4158,"confidence":0.70670855,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2060704529285431},{"word":"so","start":3984.4158,"end":3984.6914,"confidence":0.6756978,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2077585607767105},{"word":"you","start":3984.6914,"end":3984.9673,"confidence":0.7866927,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.245731458067894},{"word":"can","start":3984.9673,"end":3985.2432,"confidence":0.5615412,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23617731034755707},{"word":"shoot","start":3985.2432,"end":3985.5188,"confidence":0.7764801,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":0.2563549280166626},{"word":"those","start":3985.5188,"end":3985.7947,"confidence":0.8822603,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2703738808631897},{"word":"back","start":3985.7947,"end":3986.0706,"confidence":0.8806793,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2621125280857086},{"word":"whenever","start":3986.0706,"end":3986.3462,"confidence":0.91367894,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.2513245940208435},{"word":"you","start":3986.3462,"end":3986.622,"confidence":0.90897113,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17941077053546906},{"word":"got","start":3986.622,"end":3986.898,"confidence":0.60371286,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.20916229486465457},{"word":"a","start":3986.898,"end":3987.1736,"confidence":0.91168463,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22349399328231812},{"word":"second","start":3987.1736,"end":3987.4495,"confidence":0.92368376,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.23082101345062256},{"word":"we'll","start":3987.4495,"end":3987.7253,"confidence":0.7460735,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.2724599838256836},{"word":"get","start":3987.7253,"end":3988.001,"confidence":0.805149,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.28337740898132324},{"word":"cracking","start":3988.001,"end":3988.2769,"confidence":0.821514,"punctuated_word":"cracking","sentiment":"neutral","sentiment_score":0.26808035373687744},{"word":"on","start":3988.2769,"end":3988.5527,"confidence":0.87789196,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.30558323860168457},{"word":"the","start":3988.5527,"end":3988.8284,"confidence":0.83240724,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3239949643611908},{"word":"research","start":3988.8284,"end":3989.1042,"confidence":0.64565694,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.3022063374519348},{"word":"there","start":3989.1042,"end":3989.38,"confidence":0.8741103,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2722126245498657},{"word":"for","start":3989.38,"end":3989.6558,"confidence":0.87872714,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2401007264852524},{"word":"you","start":3989.6558,"end":3989.9316,"confidence":0.9501213,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17137014865875244},{"word":"i","start":3989.9316,"end":3990.2073,"confidence":0.81413585,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01128118485212326},{"word":"do","start":3990.2073,"end":3990.4832,"confidence":0.75719714,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.008213352411985397},{"word":"kind","start":3990.4832,"end":3990.759,"confidence":0.63849795,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.005480675026774406},{"word":"of","start":3990.759,"end":3991.0347,"confidence":0.85571593,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0031041838228702545},{"word":"expect","start":3991.0347,"end":3991.3105,"confidence":0.8124326,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.006072903051972389},{"word":"it","start":3991.3105,"end":3991.5864,"confidence":0.87045,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.00036773085594177246},{"word":"to","start":3991.5864,"end":3991.862,"confidence":0.8983992,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004002325236797333},{"word":"take","start":3991.862,"end":3992.138,"confidence":0.8642082,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.01747257076203823},{"word":"me","start":3992.138,"end":3992.4138,"confidence":0.94759774,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.002970423549413681},{"word":"about","start":3992.4138,"end":3992.6895,"confidence":0.913829,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.00469580665230751},{"word":"four","start":3992.6895,"end":3992.9653,"confidence":0.8883756,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.004950009286403656},{"word":"weeks","start":3992.9653,"end":3993.2412,"confidence":0.919919,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.005741015076637268},{"word":"to","start":3993.2412,"end":3993.5168,"confidence":0.9391937,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11062665283679962},{"word":"complete","start":3993.5168,"end":3993.7927,"confidence":0.96469295,"punctuated_word":"complete","sentiment":"neutral","sentiment_score":0.25473999977111816},{"word":"the","start":3993.7927,"end":3994.0686,"confidence":0.967283,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30145227909088135},{"word":"research","start":3994.0686,"end":3994.3442,"confidence":0.9368092,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.2980094850063324},{"word":"correctly","start":3994.3442,"end":3994.62,"confidence":0.99753606,"punctuated_word":"correctly.","sentiment":"positive","sentiment_score":0.3860422372817993},{"word":"i'd","start":3995.1,"end":3995.34,"confidence":0.9958196,"punctuated_word":"I'd","sentiment":"positive","sentiment_score":0.6974980235099792},{"word":"love","start":3995.34,"end":3995.5,"confidence":0.999696,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.722635805606842},{"word":"to","start":3995.5,"end":3995.6602,"confidence":0.9996315,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6451664566993713},{"word":"book","start":3995.6602,"end":3995.9001,"confidence":0.99989724,"punctuated_word":"book","sentiment":"positive","sentiment_score":0.684265673160553},{"word":"you","start":3995.9001,"end":3996.1401,"confidence":0.9997135,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.705998420715332},{"word":"both","start":3996.1401,"end":3996.3801,"confidence":0.99852306,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.7461180686950684},{"word":"in","start":3996.3801,"end":3996.62,"confidence":0.9997993,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.7705265283584595},{"word":"now","start":3996.62,"end":3996.86,"confidence":0.99971133,"punctuated_word":"now","sentiment":"positive","sentiment_score":0.7920932173728943},{"word":"so","start":3996.86,"end":3997.1,"confidence":0.9256011,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6923461556434631},{"word":"we","start":3997.1,"end":3997.26,"confidence":0.9572697,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5799738764762878},{"word":"have","start":3997.26,"end":3997.5,"confidence":0.9996996,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.6874152421951294},{"word":"that","start":3997.5,"end":3997.82,"confidence":0.999041,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6699502468109131},{"word":"time","start":3997.82,"end":3998.1401,"confidence":0.9974005,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.5942021608352661},{"word":"slot","start":3998.1401,"end":3998.62,"confidence":0.9688315,"punctuated_word":"slot","sentiment":"positive","sentiment_score":0.5370063781738281},{"word":"set","start":3998.62,"end":3999.12,"confidence":0.9978176,"punctuated_word":"set.","sentiment":"positive","sentiment_score":0.6757230758666992},{"word":"so","start":3999.5,"end":3999.82,"confidence":0.9985771,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2555132806301117},{"word":"in","start":3999.82,"end":4000.2202,"confidence":0.9992736,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21322910487651825},{"word":"four","start":4000.2202,"end":4000.54,"confidence":0.9965905,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.22729277610778809},{"word":"weeks","start":4000.54,"end":4001.04,"confidence":0.9953174,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":0.17545247077941897},{"word":"we","start":4001.1,"end":4001.34,"confidence":0.999666,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16535584628582},{"word":"are","start":4001.34,"end":4001.6602,"confidence":0.9987257,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2238958179950714},{"word":"at","start":4001.6602,"end":4001.9802,"confidence":0.99952435,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.203687846660614},{"word":"oh","start":4002.4602,"end":4002.54,"confidence":0.75182176,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.3232308328151703},{"word":"yep","start":4002.54,"end":4002.86,"confidence":0.9361801,"punctuated_word":"yep.","sentiment":"positive","sentiment_score":0.381565660238266},{"word":"august","start":4002.86,"end":4003.36,"confidence":0.30352557,"punctuated_word":"August","sentiment":"neutral","sentiment_score":0.1768057644367218},{"word":"already","start":4004.06,"end":4004.56,"confidence":0.7423163,"punctuated_word":"already,","sentiment":"neutral","sentiment_score":0.2198583781719208},{"word":"nearly","start":4004.62,"end":4005.12,"confidence":0.90703,"punctuated_word":"nearly.","sentiment":"neutral","sentiment_score":0.1908578723669052},{"word":"one","start":4007.085,"end":4007.4849,"confidence":0.91165596,"punctuated_word":"One,","sentiment":"neutral","sentiment_score":0.1317233145236969},{"word":"two","start":4007.4849,"end":4007.885,"confidence":0.9988898,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.15613558888435364},{"word":"three","start":4007.885,"end":4008.205,"confidence":0.9984069,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":0.15345466136932373},{"word":"four","start":4008.205,"end":4008.525,"confidence":0.9731914,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.15781022608280182},{"word":"that","start":4008.525,"end":4008.845,"confidence":0.99955267,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.15183019638061523},{"word":"brings","start":4008.845,"end":4009.085,"confidence":0.9992674,"punctuated_word":"brings","sentiment":"neutral","sentiment_score":0.12322108447551729},{"word":"us","start":4009.085,"end":4009.325,"confidence":0.9989905,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.14006927609443665},{"word":"to","start":4009.325,"end":4009.4849,"confidence":0.9963426,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15524700284004211},{"word":"the","start":4009.4849,"end":4009.645,"confidence":0.9993117,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1517099291086197},{"word":"first","start":4009.645,"end":4009.965,"confidence":0.99962604,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.15756738185882568},{"word":"week","start":4009.965,"end":4010.205,"confidence":0.99980956,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.1417022943496704},{"word":"of","start":4010.205,"end":4010.525,"confidence":0.9987196,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20982208847999573},{"word":"september","start":4010.525,"end":4011.025,"confidence":0.99958855,"punctuated_word":"September.","sentiment":"neutral","sentiment_score":0.19200894236564636},{"word":"i","start":4012.125,"end":4012.365,"confidence":0.70292217,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1889241188764572},{"word":"am","start":4012.365,"end":4012.865,"confidence":0.9995628,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.2046595960855484},{"word":"fully","start":4013.005,"end":4013.405,"confidence":0.9591042,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.2698177993297577},{"word":"open","start":4013.405,"end":4013.805,"confidence":0.9662819,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.16268400847911835},{"word":"that","start":4013.805,"end":4014.045,"confidence":0.9990433,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2517577111721039},{"word":"week","start":4014.045,"end":4014.525,"confidence":0.99915266,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.20845270156860352},{"word":"what","start":4014.525,"end":4014.765,"confidence":0.9998363,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.16383972764015198},{"word":"day","start":4014.765,"end":4015.085,"confidence":0.98025036,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.13364189863204956},{"word":"would","start":4015.085,"end":4015.565,"confidence":0.99967396,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.17864450812339783},{"word":"suit","start":4015.565,"end":4015.965,"confidence":0.9874773,"punctuated_word":"suit","sentiment":"neutral","sentiment_score":0.18534508347511292},{"word":"you","start":4015.965,"end":4016.205,"confidence":0.9994242,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16329389810562134},{"word":"both","start":4016.205,"end":4016.605,"confidence":0.9436411,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.22319425642490387},{"word":"to","start":4016.605,"end":4016.765,"confidence":0.99922764,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14169813692569733},{"word":"go","start":4016.765,"end":4017.005,"confidence":0.99951494,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17986753582954407},{"word":"through","start":4017.005,"end":4017.2449,"confidence":0.9664043,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2292323112487793},{"word":"the","start":4017.2449,"end":4017.405,"confidence":0.9985796,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21467500925064087},{"word":"advice","start":4017.405,"end":4017.885,"confidence":0.97870296,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.218271866440773},{"word":"piece","start":4017.885,"end":4018.205,"confidence":0.9876182,"punctuated_word":"piece","sentiment":"neutral","sentiment_score":0.1658916473388672},{"word":"together","start":4018.205,"end":4018.705,"confidence":0.99920493,"punctuated_word":"together?","sentiment":"neutral","sentiment_score":0.18045778572559357},{"word":"yep","start":4024.81,"end":4025.31,"confidence":0.82004124,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07505442202091217},{"word":"i","start":4026.97,"end":4027.2102,"confidence":0.9754337,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07305730134248734},{"word":"actually","start":4027.2102,"end":4027.61,"confidence":0.9941553,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.07925857603549957},{"word":"work","start":4027.61,"end":4028.01,"confidence":0.9982326,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.07471289485692978},{"word":"late","start":4028.01,"end":4028.33,"confidence":0.9946557,"punctuated_word":"late","sentiment":"neutral","sentiment_score":0.0763591006398201},{"word":"till","start":4028.33,"end":4028.6501,"confidence":0.99840945,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.09207379072904588},{"word":"7pm","start":4028.6501,"end":4029.4502,"confidence":0.9989877,"punctuated_word":"7PM","sentiment":"neutral","sentiment_score":0.08850488066673279},{"word":"on","start":4029.4502,"end":4029.53,"confidence":0.99934775,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.096894271671772},{"word":"a","start":4029.53,"end":4029.77,"confidence":0.99658245,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08075746148824692},{"word":"thursday","start":4029.77,"end":4030.27,"confidence":0.9994068,"punctuated_word":"Thursday.","sentiment":"neutral","sentiment_score":0.06358350813388824},{"word":"would","start":4030.33,"end":4030.57,"confidence":0.9978236,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.055141836404800415},{"word":"you","start":4030.57,"end":4030.6501,"confidence":0.99868864,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06266862154006958},{"word":"like","start":4030.6501,"end":4030.8901,"confidence":0.99933726,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05754643306136131},{"word":"me","start":4030.8901,"end":4031.05,"confidence":0.99930906,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.09481528401374816},{"word":"to","start":4031.05,"end":4031.2102,"confidence":0.9987656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0778796523809433},{"word":"book","start":4031.2102,"end":4031.37,"confidence":0.99964523,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.08996833860874176},{"word":"it","start":4031.37,"end":4031.53,"confidence":0.9908318,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08831040561199188},{"word":"for","start":4031.53,"end":4031.6902,"confidence":0.9966085,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.045664962381124496},{"word":"then","start":4031.6902,"end":4032.1902,"confidence":0.7886292,"punctuated_word":"then?","sentiment":"neutral","sentiment_score":0.08810269087553024},{"word":"yep","start":4033.9302,"end":4034.4302,"confidence":0.9853581,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2658119797706604},{"word":"beautiful","start":4034.6948,"end":4035.015,"confidence":0.9392409,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4928807318210602},{"word":"and","start":4035.015,"end":4035.255,"confidence":0.95682466,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12064576148986816},{"word":"would","start":4035.255,"end":4035.4949,"confidence":0.99916935,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08596578240394592},{"word":"you","start":4035.4949,"end":4035.655,"confidence":0.9991033,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09269114583730698},{"word":"prefer","start":4035.655,"end":4036.155,"confidence":0.99977154,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.11587372422218324},{"word":"four","start":4036.2148,"end":4036.615,"confidence":0.83570147,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.06376558542251587},{"word":"04:30","start":4036.615,"end":4037.1748,"confidence":0.9967991,"punctuated_word":"04:30,","sentiment":"neutral","sentiment_score":0.03616810217499733},{"word":"05:00","start":4037.1748,"end":4037.815,"confidence":0.99952847,"punctuated_word":"05:00,","sentiment":"neutral","sentiment_score":0.032557934522628784},{"word":"05:30","start":4037.815,"end":4038.375,"confidence":0.9927111,"punctuated_word":"05:30?","sentiment":"neutral","sentiment_score":0.04204833135008812},{"word":"what","start":4038.375,"end":4038.615,"confidence":0.99944574,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.05063521862030029},{"word":"time","start":4038.615,"end":4038.9348,"confidence":0.9967213,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.03912551701068878},{"word":"suits","start":4038.9348,"end":4039.1748,"confidence":0.9240038,"punctuated_word":"suits","sentiment":"neutral","sentiment_score":0.04417921230196953},{"word":"you","start":4039.1748,"end":4039.335,"confidence":0.9962088,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03704256936907768},{"word":"best","start":4039.335,"end":4039.655,"confidence":0.9989247,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.06361570209264755},{"word":"in","start":4039.655,"end":4039.815,"confidence":0.9995708,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0639081820845604},{"word":"the","start":4039.815,"end":4039.895,"confidence":0.9997714,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05466483533382416},{"word":"afternoon","start":4039.895,"end":4040.395,"confidence":0.9997377,"punctuated_word":"afternoon","sentiment":"neutral","sentiment_score":0.07530196011066437},{"word":"to","start":4040.4548,"end":4040.535,"confidence":0.99928254,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07437575608491898},{"word":"go","start":4040.535,"end":4040.6948,"confidence":0.9994373,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11939626932144164},{"word":"through","start":4040.6948,"end":4040.855,"confidence":0.9605841,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14145679771900177},{"word":"it","start":4040.855,"end":4041.015,"confidence":0.9807544,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0865657776594162},{"word":"together","start":4041.015,"end":4041.515,"confidence":0.9996927,"punctuated_word":"together?","sentiment":"neutral","sentiment_score":0.07279432564973831},{"word":"yep","start":4045.7349,"end":4046.2349,"confidence":0.99733174,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3766449391841888},{"word":"absolutely","start":4046.295,"end":4046.795,"confidence":0.9994749,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.6696605086326599},{"word":"fantastic","start":4047.255,"end":4047.755,"confidence":0.99977815,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7270486354827881},{"word":"so","start":4047.9749,"end":4048.135,"confidence":0.9993117,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5861159563064575},{"word":"i'll","start":4048.135,"end":4048.295,"confidence":0.99914086,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.5701528787612915},{"word":"book","start":4048.295,"end":4048.535,"confidence":0.9989543,"punctuated_word":"book","sentiment":"positive","sentiment_score":0.5167193412780762},{"word":"it","start":4048.535,"end":4048.6948,"confidence":0.990537,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5588433146476746},{"word":"in","start":4048.6948,"end":4048.855,"confidence":0.99191177,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.42904263734817505},{"word":"for","start":4048.855,"end":4049.095,"confidence":0.98817897,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.38801661133766174},{"word":"5pm","start":4049.095,"end":4049.58,"confidence":0.98602456,"punctuated_word":"5PM","sentiment":"positive","sentiment_score":0.4531000852584839},{"word":"there","start":4049.6602,"end":4049.86,"confidence":0.99558145,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.5338248014450073},{"word":"for","start":4049.86,"end":4050.06,"confidence":0.9993868,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5421267151832581},{"word":"you","start":4050.06,"end":4050.54,"confidence":0.9945636,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5114758014678955},{"word":"that","start":4050.54,"end":4050.78,"confidence":0.99977607,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.24776247143745425},{"word":"is","start":4050.78,"end":4051.26,"confidence":0.9999182,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2612709403038025},{"word":"thursday","start":4051.26,"end":4051.76,"confidence":0.92769337,"punctuated_word":"Thursday,","sentiment":"neutral","sentiment_score":0.26134905219078064},{"word":"september","start":4051.82,"end":4052.4702,"confidence":0.97576463,"punctuated_word":"September","sentiment":"neutral","sentiment_score":0.2979728579521179},{"word":"3","start":4052.4702,"end":4053.12,"confidence":0.97576463,"punctuated_word":"3,","sentiment":"neutral","sentiment_score":0.2703523337841034},{"word":"and","start":4054.3,"end":4054.54,"confidence":0.6374345,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.39226990938186646},{"word":"i","start":4054.54,"end":4054.7002,"confidence":0.9997404,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4008026421070099},{"word":"will","start":4054.7002,"end":4054.9402,"confidence":0.9999634,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.40531185269355774},{"word":"make","start":4054.9402,"end":4055.1,"confidence":0.99991953,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4176856279373169},{"word":"sure","start":4055.1,"end":4055.4202,"confidence":0.999681,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.4510754942893982},{"word":"everything","start":4055.4202,"end":4055.82,"confidence":0.99975365,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.50301593542099},{"word":"is","start":4055.82,"end":4056.06,"confidence":0.9997216,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4853188097476959},{"word":"up","start":4056.06,"end":4056.1401,"confidence":0.9995726,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.5085852742195129},{"word":"to","start":4056.1401,"end":4056.3,"confidence":0.99893934,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5810065865516663},{"word":"date","start":4056.3,"end":4056.54,"confidence":0.9996855,"punctuated_word":"date","sentiment":"positive","sentiment_score":0.5081712603569031},{"word":"and","start":4056.54,"end":4056.78,"confidence":0.9987747,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5262033343315125},{"word":"completed","start":4056.78,"end":4057.28,"confidence":0.9966127,"punctuated_word":"completed","sentiment":"positive","sentiment_score":0.4618082046508789},{"word":"by","start":4057.34,"end":4057.58,"confidence":0.9998149,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.4879533648490906},{"word":"then","start":4057.58,"end":4058.08,"confidence":0.99924815,"punctuated_word":"then.","sentiment":"positive","sentiment_score":0.4244459569454193},{"word":"the","start":4059.1802,"end":4059.34,"confidence":0.9363017,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.10745619237422945},{"word":"only","start":4059.34,"end":4059.6602,"confidence":0.99972504,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.04305371642112732},{"word":"other","start":4059.6602,"end":4059.9001,"confidence":0.99977714,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.03268186002969742},{"word":"thing","start":4059.9001,"end":4060.3,"confidence":0.7458248,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.05064287781715393},{"word":"just","start":4060.3,"end":4060.54,"confidence":0.9996855,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04570227861404419},{"word":"to","start":4060.54,"end":4060.7002,"confidence":0.99098295,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.024839051067829132},{"word":"sort","start":4060.7002,"end":4060.9402,"confidence":0.9981877,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0150938481092453},{"word":"of","start":4060.9402,"end":4061.1802,"confidence":0.999403,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026149220764636993},{"word":"reconfirm","start":4061.1802,"end":4061.6802,"confidence":0.99457294,"punctuated_word":"reconfirm","sentiment":"neutral","sentiment_score":0.051945071667432785},{"word":"for","start":4062.1401,"end":4062.3801,"confidence":0.9752586,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1102273017168045},{"word":"you","start":4062.3801,"end":4062.54,"confidence":0.99535257,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.09397802501916884},{"word":"lisa","start":4062.54,"end":4063.04,"confidence":0.99474114,"punctuated_word":"Lisa,","sentiment":"neutral","sentiment_score":0.050681233406066895},{"word":"is","start":4063.1,"end":4063.4202,"confidence":0.9992804,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.022522777318954468},{"word":"just","start":4063.4202,"end":4063.82,"confidence":0.9961069,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05942634865641594},{"word":"the","start":4063.82,"end":4064.32,"confidence":0.9769444,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.046955496072769165},{"word":"pre","start":4064.46,"end":4064.925,"confidence":0.76751935,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.02709372341632843},{"word":"assessment","start":4065.085,"end":4065.405,"confidence":0.9014738,"punctuated_word":"assessment","sentiment":"neutral","sentiment_score":0.06993386894464493},{"word":"that","start":4065.405,"end":4065.725,"confidence":0.99878234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05659709870815277},{"word":"we","start":4065.725,"end":4065.885,"confidence":0.9995467,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.058229848742485046},{"word":"did","start":4065.885,"end":4066.385,"confidence":0.9732461,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":0.0503598153591156},{"word":"just","start":4066.845,"end":4067.165,"confidence":0.97128534,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.01246759667992592},{"word":"need","start":4067.165,"end":4067.485,"confidence":0.9990133,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.051742877811193466},{"word":"to","start":4067.485,"end":4067.645,"confidence":0.9995739,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022627077996730804},{"word":"run","start":4067.645,"end":4067.965,"confidence":0.99956733,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.032860785722732544},{"word":"through","start":4067.965,"end":4068.365,"confidence":0.9994234,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.02560608834028244},{"word":"a","start":4068.365,"end":4068.445,"confidence":0.998111,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.037447474896907806},{"word":"couple","start":4068.445,"end":4068.845,"confidence":0.99991,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.01407323032617569},{"word":"of","start":4068.845,"end":4069.085,"confidence":0.9992048,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03841577470302582},{"word":"questions","start":4069.085,"end":4069.585,"confidence":0.99960035,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05719733610749245},{"word":"with","start":4069.645,"end":4069.885,"confidence":0.99928313,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.029434502124786377},{"word":"regards","start":4069.885,"end":4070.385,"confidence":0.8242683,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.01176389306783676},{"word":"to","start":4070.605,"end":4070.7651,"confidence":0.6827402,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027293723076581955},{"word":"transfer","start":4070.7651,"end":4071.245,"confidence":0.95535463,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.031236223876476288},{"word":"terms","start":4071.245,"end":4071.565,"confidence":0.99513274,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.042693182826042175},{"word":"as","start":4071.565,"end":4071.725,"confidence":0.52992904,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03404854238033295},{"word":"the","start":4071.725,"end":4071.885,"confidence":0.684957,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014392256736755373},{"word":"cover","start":4071.885,"end":4072.365,"confidence":0.9967139,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.006086178123950958},{"word":"just","start":4072.365,"end":4072.605,"confidence":0.93929607,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.058627329766750336},{"word":"to","start":4072.605,"end":4072.7651,"confidence":0.9978054,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05501832067966461},{"word":"make","start":4072.7651,"end":4073.0051,"confidence":0.9987,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05424261838197708},{"word":"sure","start":4073.0051,"end":4073.245,"confidence":0.9952832,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06199529767036438},{"word":"that","start":4073.245,"end":4073.405,"confidence":0.9927713,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08843664824962616},{"word":"we've","start":4073.405,"end":4073.645,"confidence":0.99751425,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.09480541944503784},{"word":"done","start":4073.645,"end":4073.885,"confidence":0.99412376,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.09139227867126463},{"word":"all","start":4073.885,"end":4074.125,"confidence":0.99461406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.20473484694957733},{"word":"of","start":4074.125,"end":4074.205,"confidence":0.5893631,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17340514063835144},{"word":"that","start":4074.205,"end":4074.5251,"confidence":0.9965462,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1183292716741562},{"word":"correctly","start":4074.5251,"end":4075.0251,"confidence":0.99881774,"punctuated_word":"correctly","sentiment":"neutral","sentiment_score":0.13086649775505066},{"word":"research","start":4075.165,"end":4075.665,"confidence":0.7944814,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.10239800065755844},{"word":"wise","start":4075.725,"end":4076.225,"confidence":0.9876202,"punctuated_word":"wise.","sentiment":"neutral","sentiment_score":0.04537399858236313},{"word":"and","start":4077.565,"end":4078.0452,"confidence":0.7581935,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.006156697869300842},{"word":"before","start":4078.0452,"end":4078.5452,"confidence":0.98376715,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.002295341342687607},{"word":"i","start":4078.7651,"end":4078.925,"confidence":0.92648244,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.010195743292570114},{"word":"do","start":4078.925,"end":4079.425,"confidence":0.9739614,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.015004921704530716},{"word":"go","start":4079.645,"end":4079.695,"confidence":0.94919163,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.01892378181219101},{"word":"through","start":4079.695,"end":4079.745,"confidence":0.9407332,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.011325586587190628},{"word":"those","start":4079.745,"end":4079.7952,"confidence":0.9043994,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.006201207637786865},{"word":"questions","start":4079.7952,"end":4079.8452,"confidence":0.8075131,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":-0.001590011641383171},{"word":"i","start":4079.8452,"end":4079.895,"confidence":0.6455245,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006306618452072144},{"word":"have","start":4079.895,"end":4079.945,"confidence":0.7725619,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.012850392609834673},{"word":"to","start":4079.945,"end":4079.995,"confidence":0.79175705,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.002081245183944702},{"word":"read","start":4079.995,"end":4080.0452,"confidence":0.5467982,"punctuated_word":"read","sentiment":"neutral","sentiment_score":-0.00782385841012001},{"word":"you","start":4080.0452,"end":4080.125,"confidence":0.6446045,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004750743508338928},{"word":"a","start":4080.125,"end":4080.54,"confidence":0.61545235,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0012612780556082726},{"word":"sorry","start":4092.62,"end":4092.86,"confidence":0.9629775,"punctuated_word":"Sorry,","sentiment":"neutral","sentiment_score":-0.16528692841529846},{"word":"guys","start":4092.86,"end":4093.26,"confidence":0.993127,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":-0.2071261554956436},{"word":"i'm","start":4093.26,"end":4093.5,"confidence":0.99974,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.19019341468811035},{"word":"nearly","start":4093.5,"end":4093.9001,"confidence":0.99978703,"punctuated_word":"nearly","sentiment":"neutral","sentiment_score":-0.1844029724597931},{"word":"done","start":4093.9001,"end":4094.1401,"confidence":0.8684232,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":-0.1128670573234558},{"word":"i","start":4094.1401,"end":4094.22,"confidence":0.9983765,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00393647700548172},{"word":"promise","start":4094.22,"end":4094.72,"confidence":0.9980358,"punctuated_word":"promise.","sentiment":"neutral","sentiment_score":-0.002478398382663727},{"word":"so","start":4098.135,"end":4098.5347,"confidence":0.95305055,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03931360691785813},{"word":"alright","start":4098.6147,"end":4098.935,"confidence":0.9953853,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.08335894346237183},{"word":"so","start":4098.935,"end":4099.0947,"confidence":0.99953306,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.052986253052949905},{"word":"i've","start":4099.0947,"end":4099.335,"confidence":0.9997188,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.056001074612140656},{"word":"got","start":4099.335,"end":4099.4946,"confidence":0.9999397,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08661343157291412},{"word":"the","start":4099.4946,"end":4099.655,"confidence":0.9954496,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07295110821723938},{"word":"pre","start":4099.655,"end":4099.9746,"confidence":0.99113196,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.034023500978946686},{"word":"assessment","start":4099.9746,"end":4100.455,"confidence":0.9654977,"punctuated_word":"assessment","sentiment":"neutral","sentiment_score":0.029324017465114594},{"word":"questions","start":4100.455,"end":4100.775,"confidence":0.998765,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.057769566774368286},{"word":"here","start":4100.775,"end":4100.8945,"confidence":0.99982697,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.0967976525425911},{"word":"in","start":4100.8945,"end":4101.0146,"confidence":0.99948895,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09298677742481232},{"word":"front","start":4101.0146,"end":4101.255,"confidence":0.9999242,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.07842392474412918},{"word":"of","start":4101.255,"end":4101.335,"confidence":0.9990213,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0691637471318245},{"word":"you","start":4101.335,"end":4101.415,"confidence":0.9992642,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.04768050089478493},{"word":"i","start":4101.415,"end":4101.5747,"confidence":0.9997713,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.031335603445768356},{"word":"just","start":4101.5747,"end":4101.735,"confidence":0.87076044,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.029469504952430725},{"word":"gotta","start":4101.735,"end":4101.9746,"confidence":0.84515023,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.02874302864074707},{"word":"read","start":4101.9746,"end":4102.135,"confidence":0.9968081,"punctuated_word":"read","sentiment":"neutral","sentiment_score":-0.015895560383796692},{"word":"the","start":4102.135,"end":4102.215,"confidence":0.9985672,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005454078316688538},{"word":"duty","start":4102.215,"end":4102.5347,"confidence":0.5380013,"punctuated_word":"duty","sentiment":"neutral","sentiment_score":1.3634562492370603e-6},{"word":"of","start":4102.5347,"end":4102.6147,"confidence":0.6147059,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.013408005237579346},{"word":"disclosure","start":4102.6147,"end":4103.1147,"confidence":0.673936,"punctuated_word":"disclosure.","sentiment":"neutral","sentiment_score":0.007510833442211151},{"word":"so","start":4103.255,"end":4103.755,"confidence":0.9973621,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04056112468242645},{"word":"just","start":4103.815,"end":4104.0547,"confidence":0.57456416,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04724886268377304},{"word":"because","start":4104.0547,"end":4104.5347,"confidence":0.993704,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.02709096670150757},{"word":"these","start":4104.5347,"end":4104.855,"confidence":0.9990281,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.04600819945335388},{"word":"questions","start":4104.855,"end":4105.255,"confidence":0.99978715,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05860188975930214},{"word":"will","start":4105.255,"end":4105.4946,"confidence":0.8544859,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.05185261368751526},{"word":"also","start":4105.4946,"end":4105.815,"confidence":0.996104,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.056800924241542816},{"word":"factor","start":4105.815,"end":4106.215,"confidence":0.94929945,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.06545604020357132},{"word":"into","start":4106.215,"end":4106.5347,"confidence":0.9715389,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.03804022818803787},{"word":"the","start":4106.5347,"end":4106.695,"confidence":0.9990669,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.049963872879743576},{"word":"application","start":4106.695,"end":4107.195,"confidence":0.9957092,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.029048509895801544},{"word":"side","start":4107.4946,"end":4107.735,"confidence":0.9981993,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.05959809571504593},{"word":"of","start":4107.735,"end":4107.895,"confidence":0.99974865,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08693057298660278},{"word":"things","start":4107.895,"end":4108.395,"confidence":0.7563571,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.06068331003189087},{"word":"i","start":4109.1,"end":4109.18,"confidence":0.9541728,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03014402836561203},{"word":"know","start":4109.18,"end":4109.3403,"confidence":0.99906963,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.02710456401109695},{"word":"maddie","start":4109.3403,"end":4109.66,"confidence":0.95559573,"punctuated_word":"Maddie","sentiment":"neutral","sentiment_score":0.027514152228832245},{"word":"would","start":4109.66,"end":4109.74,"confidence":0.9990502,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04036008194088936},{"word":"have","start":4109.74,"end":4109.9,"confidence":0.82300436,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05301692709326744},{"word":"gone","start":4109.9,"end":4110.06,"confidence":0.99974674,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.05531904846429825},{"word":"through","start":4110.06,"end":4110.22,"confidence":0.9835381,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.043237656354904175},{"word":"them","start":4110.22,"end":4110.54,"confidence":0.9981871,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.02905203402042389},{"word":"with","start":4110.54,"end":4110.7,"confidence":0.99960524,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04685687273740768},{"word":"you","start":4110.7,"end":4111.02,"confidence":0.9996724,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07258251309394836},{"word":"last","start":4111.02,"end":4111.2603,"confidence":0.9997266,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.04411254823207855},{"word":"time","start":4111.2603,"end":4111.5,"confidence":0.9970233,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.03852998465299606},{"word":"but","start":4111.5,"end":4111.74,"confidence":0.99979717,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.028180763125419617},{"word":"this","start":4111.74,"end":4111.9,"confidence":0.99990416,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.00515323132276535},{"word":"is","start":4111.9,"end":4112.06,"confidence":0.9990693,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.010787837207317352},{"word":"just","start":4112.06,"end":4112.3003,"confidence":0.99937385,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.021978124976158146},{"word":"sort","start":4112.3003,"end":4112.46,"confidence":0.99442947,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.041031934320926666},{"word":"of","start":4112.46,"end":4112.62,"confidence":0.9991966,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028526827692985535},{"word":"updating","start":4112.62,"end":4112.94,"confidence":0.9985469,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.06128381937742233},{"word":"to","start":4112.94,"end":4113.1,"confidence":0.9993581,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0071010589599609375},{"word":"make","start":4113.1,"end":4113.2603,"confidence":0.99975604,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04041711986064911},{"word":"sure","start":4113.2603,"end":4113.3403,"confidence":0.9987042,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.05584701895713806},{"word":"there's","start":4113.3403,"end":4113.58,"confidence":0.99934196,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0531730055809021},{"word":"no","start":4113.58,"end":4113.74,"confidence":0.9997068,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.0017605721950531006},{"word":"changes","start":4113.74,"end":4114.14,"confidence":0.9985676,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.06961662322282791},{"word":"to","start":4114.14,"end":4114.22,"confidence":0.9951441,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04076405614614487},{"word":"your","start":4114.22,"end":4114.54,"confidence":0.9964103,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.027711205184459686},{"word":"circumstances","start":4114.54,"end":4115.04,"confidence":0.99916077,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":-0.023291349411010746},{"word":"there","start":4115.2603,"end":4115.7603,"confidence":0.83616877,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.003587547689676285},{"word":"but","start":4116.14,"end":4116.3003,"confidence":0.9588086,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04132843390107155},{"word":"with","start":4116.3003,"end":4116.46,"confidence":0.99874276,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.024827074259519577},{"word":"the","start":4116.46,"end":4116.62,"confidence":0.99240714,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04468892887234688},{"word":"duty","start":4116.62,"end":4117.02,"confidence":0.990012,"punctuated_word":"duty","sentiment":"neutral","sentiment_score":0.07816783338785172},{"word":"of","start":4117.02,"end":4117.2603,"confidence":0.9975585,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09487231075763702},{"word":"disclosure","start":4117.2603,"end":4117.74,"confidence":0.99927884,"punctuated_word":"disclosure","sentiment":"neutral","sentiment_score":0.07860394567251205},{"word":"and","start":4117.74,"end":4117.9,"confidence":0.9973502,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10586034506559372},{"word":"reasonable","start":4117.9,"end":4118.4,"confidence":0.99972314,"punctuated_word":"reasonable","sentiment":"neutral","sentiment_score":0.07052135467529297},{"word":"care","start":4118.54,"end":4118.8604,"confidence":0.76103354,"punctuated_word":"care.","sentiment":"neutral","sentiment_score":0.05553706735372543},{"word":"so","start":4118.8604,"end":4119.3604,"confidence":0.9980567,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04649109765887261},{"word":"it","start":4119.74,"end":4119.9,"confidence":0.925414,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05101357772946358},{"word":"says","start":4119.9,"end":4120.22,"confidence":0.9987326,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.06474403291940689},{"word":"when","start":4120.22,"end":4120.46,"confidence":0.6337624,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04783429205417633},{"word":"applying","start":4120.46,"end":4120.7803,"confidence":0.9998671,"punctuated_word":"applying","sentiment":"neutral","sentiment_score":0.04944001883268356},{"word":"for","start":4120.7803,"end":4121.02,"confidence":0.9982152,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.035582371056079865},{"word":"insurance","start":4121.02,"end":4121.5,"confidence":0.996497,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.04063133895397186},{"word":"it","start":4121.5,"end":4121.66,"confidence":0.99180716,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05426628142595291},{"word":"is","start":4121.66,"end":4121.8203,"confidence":0.99804366,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05819978192448616},{"word":"important","start":4121.8203,"end":4122.225,"confidence":0.9984301,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.047704555094242096},{"word":"that","start":4122.225,"end":4122.305,"confidence":0.95179707,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07248488068580627},{"word":"you","start":4122.305,"end":4122.4653,"confidence":0.9987502,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05548623204231262},{"word":"answer","start":4122.4653,"end":4122.585,"confidence":0.99743277,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":0.07879810035228729},{"word":"the","start":4122.585,"end":4122.705,"confidence":0.99935764,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08600478619337082},{"word":"following","start":4122.705,"end":4123.185,"confidence":0.9996731,"punctuated_word":"following","sentiment":"neutral","sentiment_score":0.09649311751127244},{"word":"questions","start":4123.185,"end":4123.505,"confidence":0.7805098,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":0.06735251098871231},{"word":"to","start":4123.505,"end":4123.665,"confidence":0.953548,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.053530629724264145},{"word":"the","start":4123.665,"end":4123.825,"confidence":0.9998166,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06017862632870674},{"word":"best","start":4123.825,"end":4124.065,"confidence":0.99986947,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.07051296532154083},{"word":"of","start":4124.065,"end":4124.145,"confidence":0.99961156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09134981036186218},{"word":"your","start":4124.145,"end":4124.305,"confidence":0.9994961,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.056288182735443115},{"word":"knowledge","start":4124.305,"end":4124.785,"confidence":0.992311,"punctuated_word":"knowledge,","sentiment":"neutral","sentiment_score":0.09696178138256072},{"word":"as","start":4124.785,"end":4125.025,"confidence":0.99948454,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08646586537361145},{"word":"the","start":4125.025,"end":4125.185,"confidence":0.9996506,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09794359654188156},{"word":"applicant","start":4125.185,"end":4125.665,"confidence":0.9976348,"punctuated_word":"applicant,","sentiment":"neutral","sentiment_score":0.08038552850484848},{"word":"you","start":4125.665,"end":4125.825,"confidence":0.9997764,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06765129417181015},{"word":"have","start":4125.825,"end":4125.985,"confidence":0.9999119,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09012853354215622},{"word":"a","start":4125.985,"end":4126.065,"confidence":0.9985948,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0836259126663208},{"word":"legal","start":4126.065,"end":4126.3853,"confidence":0.99994683,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.035841792821884155},{"word":"duty","start":4126.3853,"end":4126.785,"confidence":0.9921995,"punctuated_word":"duty","sentiment":"neutral","sentiment_score":0.04969922453165054},{"word":"to","start":4126.785,"end":4126.865,"confidence":0.99708706,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04924869537353515},{"word":"take","start":4126.865,"end":4127.185,"confidence":0.9999012,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.06728854030370712},{"word":"reasonable","start":4127.185,"end":4127.585,"confidence":0.97936946,"punctuated_word":"reasonable","sentiment":"neutral","sentiment_score":0.08396579325199127},{"word":"care","start":4127.585,"end":4127.9053,"confidence":0.9994018,"punctuated_word":"care","sentiment":"neutral","sentiment_score":0.06020856648683548},{"word":"not","start":4127.9053,"end":4128.145,"confidence":0.80122066,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.027660734951496124},{"word":"to","start":4128.145,"end":4128.225,"confidence":0.99936503,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02719066292047501},{"word":"make","start":4128.225,"end":4128.3853,"confidence":0.99990106,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.09783092886209488},{"word":"a","start":4128.3853,"end":4128.545,"confidence":0.9959835,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08208620548248291},{"word":"misrepresentation","start":4128.545,"end":4129.045,"confidence":0.96630174,"punctuated_word":"misrepresentation","sentiment":"neutral","sentiment_score":-0.12220719456672668},{"word":"to","start":4129.585,"end":4129.745,"confidence":0.9890171,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.046752333641052246},{"word":"the","start":4129.745,"end":4129.9053,"confidence":0.9981158,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005433984100818634},{"word":"insurer","start":4129.9053,"end":4130.305,"confidence":0.9788625,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":0.003398619592189789},{"word":"before","start":4130.305,"end":4130.625,"confidence":0.9994369,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.006133697926998138},{"word":"the","start":4130.625,"end":4130.785,"confidence":0.99932516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011302895843982697},{"word":"contract","start":4130.785,"end":4131.265,"confidence":0.9980667,"punctuated_word":"contract","sentiment":"neutral","sentiment_score":0.02008190006017685},{"word":"of","start":4131.265,"end":4131.4253,"confidence":0.9988166,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06520991772413254},{"word":"insurance","start":4131.4253,"end":4131.9053,"confidence":0.97332823,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.026660233736038208},{"word":"is","start":4131.9053,"end":4131.985,"confidence":0.9389542,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01948334276676178},{"word":"entered","start":4131.985,"end":4132.305,"confidence":0.9894539,"punctuated_word":"entered","sentiment":"neutral","sentiment_score":-0.0215877965092659},{"word":"into","start":4132.305,"end":4132.805,"confidence":0.9931067,"punctuated_word":"into.","sentiment":"neutral","sentiment_score":0.0032883600797504187},{"word":"if","start":4133.025,"end":4133.265,"confidence":0.99745446,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.2889721691608429},{"word":"this","start":4133.265,"end":4133.4253,"confidence":0.97336835,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.25579673051834106},{"word":"duty","start":4133.4253,"end":4133.745,"confidence":0.98969984,"punctuated_word":"duty","sentiment":"neutral","sentiment_score":-0.2200162559747696},{"word":"is","start":4133.745,"end":4133.9053,"confidence":0.995522,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2563609182834625},{"word":"not","start":4133.9053,"end":4134.145,"confidence":0.9998665,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.32289794087409973},{"word":"met","start":4134.145,"end":4134.3853,"confidence":0.99956566,"punctuated_word":"met,","sentiment":"neutral","sentiment_score":-0.27929091453552246},{"word":"it","start":4134.3853,"end":4134.4653,"confidence":0.9998753,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.35591933131217957},{"word":"can","start":4134.4653,"end":4134.705,"confidence":0.99994385,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.3367529511451721},{"word":"have","start":4134.705,"end":4134.785,"confidence":0.99973017,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.35869860649108887},{"word":"a","start":4134.785,"end":4134.9453,"confidence":0.99952507,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.39136382937431335},{"word":"serious","start":4134.9453,"end":4135.345,"confidence":0.99986625,"punctuated_word":"serious","sentiment":"negative","sentiment_score":-0.3466549813747406},{"word":"impact","start":4135.345,"end":4135.665,"confidence":0.99973935,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":-0.29199671745300293},{"word":"on","start":4135.665,"end":4135.825,"confidence":0.9993709,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.3509387969970703},{"word":"your","start":4135.825,"end":4135.985,"confidence":0.92072725,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.3677290380001068},{"word":"insurances","start":4135.985,"end":4136.485,"confidence":0.9266458,"punctuated_word":"insurances","sentiment":"negative","sentiment_score":-0.33939796686172485},{"word":"such","start":4136.545,"end":4136.785,"confidence":0.54348785,"punctuated_word":"such","sentiment":"neutral","sentiment_score":-0.27707594633102417},{"word":"as","start":4136.785,"end":4136.9453,"confidence":0.9835238,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.26208680868148804},{"word":"your","start":4136.9453,"end":4137.105,"confidence":0.99828774,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2324838638305664},{"word":"policy","start":4137.105,"end":4137.605,"confidence":0.9998549,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.30945882201194763},{"word":"may","start":4138.08,"end":4138.2,"confidence":0.9781552,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.1946418136358261},{"word":"be","start":4138.2,"end":4138.32,"confidence":0.99925846,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.28977489471435547},{"word":"voided","start":4138.32,"end":4138.82,"confidence":0.90361685,"punctuated_word":"voided,","sentiment":"neutral","sentiment_score":-0.23828846216201785},{"word":"or","start":4139.6797,"end":4139.84,"confidence":0.57348025,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.15045419335365295},{"word":"the","start":4139.84,"end":4140.0,"confidence":0.9996687,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19215291738510132},{"word":"terms","start":4140.0,"end":4140.32,"confidence":0.99917465,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.18839626014232635},{"word":"of","start":4140.32,"end":4140.4,"confidence":0.9978399,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19444888830184937},{"word":"your","start":4140.4,"end":4140.6396,"confidence":0.9997271,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.19749492406845093},{"word":"contract","start":4140.6396,"end":4141.1196,"confidence":0.9910279,"punctuated_word":"contract","sentiment":"neutral","sentiment_score":-0.21690219640731812},{"word":"may","start":4141.1196,"end":4141.28,"confidence":0.9942008,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.14834120869636536},{"word":"be","start":4141.28,"end":4141.44,"confidence":0.9994442,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1979489624500275},{"word":"changed","start":4141.44,"end":4141.76,"confidence":0.9805814,"punctuated_word":"changed,","sentiment":"neutral","sentiment_score":-0.23879596590995789},{"word":"declined","start":4141.76,"end":4142.1597,"confidence":0.9890225,"punctuated_word":"declined,","sentiment":"neutral","sentiment_score":-0.23320913314819336},{"word":"or","start":4142.1597,"end":4142.32,"confidence":0.9973641,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.20804841816425323},{"word":"the","start":4142.32,"end":4142.48,"confidence":0.9991959,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2349267303943634},{"word":"benefit","start":4142.48,"end":4142.88,"confidence":0.99889994,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.27138665318489075},{"word":"reduced","start":4142.88,"end":4143.38,"confidence":0.9991846,"punctuated_word":"reduced.","sentiment":"neutral","sentiment_score":-0.1867573857307434},{"word":"more","start":4143.76,"end":4144.0,"confidence":0.9994599,"punctuated_word":"More","sentiment":"neutral","sentiment_score":-0.03035220503807068},{"word":"information","start":4144.0,"end":4144.48,"confidence":0.9999052,"punctuated_word":"information","sentiment":"neutral","sentiment_score":-0.036511458456516266},{"word":"about","start":4144.48,"end":4144.7197,"confidence":0.9997664,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.04722825437784195},{"word":"the","start":4144.7197,"end":4144.88,"confidence":0.9994493,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0321095809340477},{"word":"duty","start":4144.88,"end":4145.28,"confidence":0.9802877,"punctuated_word":"duty","sentiment":"neutral","sentiment_score":-0.010701924562454224},{"word":"to","start":4145.28,"end":4145.36,"confidence":0.999315,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03815096989274025},{"word":"take","start":4145.36,"end":4145.5996,"confidence":0.99994195,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.03443678468465805},{"word":"reasonable","start":4145.5996,"end":4146.08,"confidence":0.9946861,"punctuated_word":"reasonable","sentiment":"neutral","sentiment_score":0.0019073113799095152},{"word":"care","start":4146.08,"end":4146.58,"confidence":0.99968493,"punctuated_word":"care","sentiment":"neutral","sentiment_score":-0.010259151458740234},{"word":"can","start":4147.1196,"end":4147.36,"confidence":0.9976605,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.018394872546195984},{"word":"be","start":4147.36,"end":4147.52,"confidence":0.99982977,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.022751932963728905},{"word":"found","start":4147.52,"end":4147.76,"confidence":0.99915075,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.02713271602988243},{"word":"in","start":4147.76,"end":4148.0,"confidence":0.9998412,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02709195017814636},{"word":"the","start":4148.0,"end":4148.2397,"confidence":0.9993591,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029132647439837456},{"word":"product","start":4148.2397,"end":4148.56,"confidence":0.9994024,"punctuated_word":"product","sentiment":"neutral","sentiment_score":0.017254434525966644},{"word":"disclosure","start":4148.56,"end":4149.06,"confidence":0.99971086,"punctuated_word":"disclosure","sentiment":"neutral","sentiment_score":0.026151109486818314},{"word":"statement","start":4149.1196,"end":4149.52,"confidence":0.95204896,"punctuated_word":"statement,","sentiment":"neutral","sentiment_score":0.023544026538729668},{"word":"which","start":4149.52,"end":4149.84,"confidence":0.9999459,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.036438968032598495},{"word":"i","start":4149.84,"end":4149.92,"confidence":0.9998122,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03149230033159256},{"word":"will","start":4149.92,"end":4150.08,"confidence":0.99987555,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.03920653089880943},{"word":"provide","start":4150.08,"end":4150.56,"confidence":0.9997416,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.045224983245134354},{"word":"with","start":4150.56,"end":4150.7197,"confidence":0.98185444,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05225805565714836},{"word":"the","start":4150.7197,"end":4150.88,"confidence":0.9993766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04618548601865768},{"word":"advice","start":4150.88,"end":4151.36,"confidence":0.9573798,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.03383231163024902},{"word":"document","start":4151.36,"end":4151.84,"confidence":0.9934169,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.049684587866067886},{"word":"for","start":4151.84,"end":4152.08,"confidence":0.999814,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.043242692947387695},{"word":"you","start":4152.08,"end":4152.58,"confidence":0.9993795,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.025021035224199295},{"word":"i","start":4153.045,"end":4153.125,"confidence":0.98310167,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02157486602663994},{"word":"can","start":4153.125,"end":4153.365,"confidence":0.9998672,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.023841623216867447},{"word":"also","start":4153.365,"end":4153.845,"confidence":0.9995528,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.020098045468330383},{"word":"attach","start":4153.845,"end":4154.165,"confidence":0.9964336,"punctuated_word":"attach","sentiment":"neutral","sentiment_score":0.020755257457494736},{"word":"to","start":4154.165,"end":4154.405,"confidence":0.98769814,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022678283974528313},{"word":"the","start":4154.405,"end":4154.565,"confidence":0.99581736,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018147051334381104},{"word":"email","start":4154.565,"end":4154.965,"confidence":0.9992161,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.02276681363582611},{"word":"shortly","start":4154.965,"end":4155.285,"confidence":0.99086094,"punctuated_word":"shortly","sentiment":"neutral","sentiment_score":0.03176494687795639},{"word":"if","start":4155.285,"end":4155.445,"confidence":0.97425723,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.019549015909433365},{"word":"you'd","start":4155.445,"end":4155.605,"confidence":0.99724555,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.010485738515853882},{"word":"like","start":4155.605,"end":4155.845,"confidence":0.99986696,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.011502064764499664},{"word":"a","start":4155.845,"end":4155.925,"confidence":0.98154473,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010095534846186638},{"word":"copy","start":4155.925,"end":4156.325,"confidence":0.99977,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.00479389913380146},{"word":"prior","start":4156.325,"end":4156.825,"confidence":0.9990791,"punctuated_word":"prior.","sentiment":"neutral","sentiment_score":0.000474618747830391},{"word":"do","start":4157.445,"end":4157.685,"confidence":0.97844964,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.009100575000047684},{"word":"you","start":4157.685,"end":4158.005,"confidence":0.9997428,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005678184330463409},{"word":"understand","start":4158.005,"end":4158.505,"confidence":0.9998368,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.005602691322565079},{"word":"your","start":4158.565,"end":4158.805,"confidence":0.9993869,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0021179262548685074},{"word":"duty","start":4158.805,"end":4159.205,"confidence":0.99926955,"punctuated_word":"duty","sentiment":"neutral","sentiment_score":0.01984116993844509},{"word":"of","start":4159.205,"end":4159.445,"confidence":0.9883813,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0074506886303424835},{"word":"reasonable","start":4159.445,"end":4159.945,"confidence":0.9996661,"punctuated_word":"reasonable","sentiment":"neutral","sentiment_score":0.005850929766893387},{"word":"care","start":4160.005,"end":4160.505,"confidence":0.9979468,"punctuated_word":"care?","sentiment":"neutral","sentiment_score":0.007133172824978828},{"word":"yep","start":4161.845,"end":4162.165,"confidence":0.850976,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09134437143802644},{"word":"beautiful","start":4162.165,"end":4162.565,"confidence":0.9848206,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.21718743443489075},{"word":"and","start":4162.565,"end":4162.805,"confidence":0.9878627,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09467659145593645},{"word":"privacy","start":4162.805,"end":4163.205,"confidence":0.99704933,"punctuated_word":"privacy","sentiment":"neutral","sentiment_score":0.13709202408790588},{"word":"policy","start":4163.205,"end":4163.685,"confidence":0.79892874,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.08608366549015045},{"word":"when","start":4163.685,"end":4163.845,"confidence":0.99834704,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.07145453989505768},{"word":"we","start":4163.845,"end":4163.925,"confidence":0.99990094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07600856572389603},{"word":"get","start":4163.925,"end":4164.085,"confidence":0.9994692,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.029856855049729347},{"word":"to","start":4164.085,"end":4164.245,"confidence":0.9871508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06067606434226036},{"word":"the","start":4164.245,"end":4164.405,"confidence":0.99902296,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05069933831691742},{"word":"application","start":4164.405,"end":4164.905,"confidence":0.9990338,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.03191506117582321},{"word":"side","start":4164.965,"end":4165.365,"confidence":0.9900342,"punctuated_word":"side,","sentiment":"neutral","sentiment_score":0.04480965435504913},{"word":"do","start":4165.365,"end":4165.445,"confidence":0.9997322,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03245190903544426},{"word":"you","start":4165.445,"end":4165.945,"confidence":0.99899167,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027838433161377907},{"word":"consent","start":4166.35,"end":4166.83,"confidence":0.99914455,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":0.02466708980500698},{"word":"to","start":4166.83,"end":4166.99,"confidence":0.99951065,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025891121476888657},{"word":"us","start":4166.99,"end":4167.23,"confidence":0.99683595,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.026283808052539825},{"word":"providing","start":4167.23,"end":4167.73,"confidence":0.9871158,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.030733194202184677},{"word":"your","start":4167.95,"end":4168.27,"confidence":0.94580066,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02798868715763092},{"word":"and","start":4168.35,"end":4168.5103,"confidence":0.8501542,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01926621049642563},{"word":"collecting","start":4168.5103,"end":4168.99,"confidence":0.9995846,"punctuated_word":"collecting","sentiment":"neutral","sentiment_score":0.03986486792564392},{"word":"your","start":4168.99,"end":4169.1504,"confidence":0.9996773,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.022089485079050064},{"word":"personal","start":4169.1504,"end":4169.5503,"confidence":0.9996766,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.01777174137532711},{"word":"information","start":4169.5503,"end":4170.0303,"confidence":0.99972075,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.037821583449840546},{"word":"for","start":4170.0303,"end":4170.27,"confidence":0.99953675,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.024370329454541206},{"word":"the","start":4170.27,"end":4170.35,"confidence":0.999474,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021695716306567192},{"word":"use","start":4170.35,"end":4170.6704,"confidence":0.9997905,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.019427277147769928},{"word":"of","start":4170.6704,"end":4170.91,"confidence":0.99870086,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.016458025202155113},{"word":"applying","start":4170.91,"end":4171.31,"confidence":0.99974364,"punctuated_word":"applying","sentiment":"neutral","sentiment_score":0.018776388838887215},{"word":"for","start":4171.31,"end":4171.5503,"confidence":0.9984902,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.038972415030002594},{"word":"insurances","start":4171.5503,"end":4172.0503,"confidence":0.9981899,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.014485707506537436},{"word":"or","start":4172.1104,"end":4172.43,"confidence":0.99775046,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.008488960564136505},{"word":"transferring","start":4172.43,"end":4172.93,"confidence":0.9997917,"punctuated_word":"transferring","sentiment":"neutral","sentiment_score":0.021429799497127533},{"word":"insurances","start":4172.99,"end":4173.49,"confidence":0.99970675,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.014519931748509409},{"word":"in","start":4174.0303,"end":4174.1904,"confidence":0.9941602,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.027375780045986176},{"word":"accordance","start":4174.1904,"end":4174.5903,"confidence":0.99952066,"punctuated_word":"accordance","sentiment":"neutral","sentiment_score":0.034134503453969955},{"word":"with","start":4174.5903,"end":4174.75,"confidence":0.99875045,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.037057168781757355},{"word":"the","start":4174.75,"end":4174.91,"confidence":0.9964923,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03575654327869415},{"word":"insurance","start":4174.91,"end":4175.39,"confidence":0.5028067,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.024638086557388306},{"word":"privacy","start":4175.39,"end":4175.89,"confidence":0.8590072,"punctuated_word":"privacy","sentiment":"neutral","sentiment_score":0.018144791945815086},{"word":"policy","start":4175.95,"end":4176.45,"confidence":0.9839734,"punctuated_word":"policy?","sentiment":"neutral","sentiment_score":0.013523809611797333},{"word":"yep","start":4178.1904,"end":4178.5903,"confidence":0.8587491,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.041401006281375885},{"word":"beautiful","start":4178.5903,"end":4179.0903,"confidence":0.9992735,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.25308728218078613},{"word":"excellent","start":4179.1504,"end":4179.6304,"confidence":0.99952316,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.34499114751815796},{"word":"now","start":4179.6304,"end":4179.825,"confidence":0.9424078,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.12110459804534912},{"word":"the","start":4179.9053,"end":4180.0654,"confidence":0.99946564,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04432155191898346},{"word":"questions","start":4180.0654,"end":4180.4653,"confidence":0.93610215,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05418292433023453},{"word":"for","start":4180.4653,"end":4180.785,"confidence":0.7646059,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.005742605775594711},{"word":"this","start":4180.785,"end":4181.105,"confidence":0.9907577,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03144112974405289},{"word":"are","start":4181.105,"end":4181.605,"confidence":0.96492165,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02003231644630432},{"word":"nice","start":4181.9854,"end":4182.225,"confidence":0.9452656,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.06076298654079437},{"word":"and","start":4182.225,"end":4182.3853,"confidence":0.99953425,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03651651367545128},{"word":"simple","start":4182.3853,"end":4182.785,"confidence":0.9997962,"punctuated_word":"simple","sentiment":"neutral","sentiment_score":0.014429740607738497},{"word":"ones","start":4182.785,"end":4183.0254,"confidence":0.9856282,"punctuated_word":"ones.","sentiment":"neutral","sentiment_score":0.032464779913425446},{"word":"it","start":4183.0254,"end":4183.265,"confidence":0.999629,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.020471038296818733},{"word":"says","start":4183.265,"end":4183.5054,"confidence":0.9464731,"punctuated_word":"says,","sentiment":"neutral","sentiment_score":-0.012384619563817978},{"word":"are","start":4183.5054,"end":4183.745,"confidence":0.9993703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.030441930517554283},{"word":"you","start":4183.745,"end":4183.9053,"confidence":0.99985325,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03354727476835251},{"word":"currently","start":4183.9053,"end":4184.305,"confidence":0.9976799,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.06106653809547424},{"word":"off","start":4184.305,"end":4184.5454,"confidence":0.99836904,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.0556228831410408},{"word":"work","start":4184.5454,"end":4184.785,"confidence":0.99957174,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.06485559791326523},{"word":"or","start":4184.785,"end":4185.0254,"confidence":0.99677867,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08256283402442932},{"word":"unable","start":4185.0254,"end":4185.5054,"confidence":0.99979275,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.06724688410758972},{"word":"to","start":4185.5054,"end":4185.665,"confidence":0.998922,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07869555056095123},{"word":"perform","start":4185.665,"end":4186.0654,"confidence":0.99972993,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":-0.05969196557998657},{"word":"your","start":4186.0654,"end":4186.305,"confidence":0.9995265,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.055804543197155},{"word":"normal","start":4186.305,"end":4186.625,"confidence":0.9998573,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":-0.0442681685090065},{"word":"full","start":4186.625,"end":4186.865,"confidence":0.98420435,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.041165608912706375},{"word":"time","start":4186.865,"end":4187.105,"confidence":0.9986902,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.04658011347055435},{"word":"duties","start":4187.105,"end":4187.585,"confidence":0.9987729,"punctuated_word":"duties","sentiment":"neutral","sentiment_score":-0.04565740376710892},{"word":"of","start":4187.585,"end":4187.665,"confidence":0.9995314,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0355144739151001},{"word":"your","start":4187.665,"end":4187.9854,"confidence":0.9999137,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02943914756178856},{"word":"occupation","start":4187.9854,"end":4188.4854,"confidence":0.9997003,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":-0.014663942158222198},{"word":"on","start":4188.5454,"end":4188.705,"confidence":0.9997781,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04236370325088501},{"word":"a","start":4188.705,"end":4188.785,"confidence":0.9998665,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.029561100527644157},{"word":"full","start":4188.785,"end":4189.0254,"confidence":0.9999124,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.03057069703936577},{"word":"time","start":4189.0254,"end":4189.345,"confidence":0.99930954,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.019644800573587418},{"word":"basis","start":4189.345,"end":4189.825,"confidence":0.9760488,"punctuated_word":"basis?","sentiment":"neutral","sentiment_score":-0.04142031446099281},{"word":"so","start":4189.825,"end":4190.325,"confidence":0.9923212,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05958520248532295},{"word":"no","start":4190.9453,"end":4191.105,"confidence":0.571132,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.07723607867956161},{"word":"your","start":4191.185,"end":4191.4253,"confidence":0.99580127,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07647982984781265},{"word":"normal","start":4191.4253,"end":4191.825,"confidence":0.99942744,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":-0.07192247360944748},{"word":"duties","start":4191.825,"end":4192.305,"confidence":0.95093155,"punctuated_word":"duties.","sentiment":"neutral","sentiment_score":-0.0687308982014656},{"word":"no","start":4192.305,"end":4192.5454,"confidence":0.7230419,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.021779289469122887},{"word":"beautiful","start":4192.5454,"end":4193.0454,"confidence":0.9974351,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.07514926791191101},{"word":"excellent","start":4194.3853,"end":4194.8853,"confidence":0.9993514,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.08442150056362152},{"word":"the","start":4195.33,"end":4195.4897,"confidence":0.97047687,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.03326234221458435},{"word":"next","start":4195.4897,"end":4195.65,"confidence":0.9999602,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.053931016474962234},{"word":"one","start":4195.65,"end":4195.81,"confidence":0.9998167,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03658934310078621},{"word":"here","start":4195.81,"end":4196.05,"confidence":0.9997594,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.022085368633270264},{"word":"is","start":4196.05,"end":4196.21,"confidence":0.7535708,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.04089014232158661},{"word":"have","start":4196.21,"end":4196.4497,"confidence":0.9989164,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.059162870049476624},{"word":"you","start":4196.4497,"end":4196.61,"confidence":0.9998807,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.058887332677841187},{"word":"in","start":4196.61,"end":4196.77,"confidence":0.55813795,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05711750686168671},{"word":"the","start":4196.77,"end":4196.85,"confidence":0.99973387,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.047302182763814926},{"word":"last","start":4196.85,"end":4197.17,"confidence":0.9998697,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.06521826982498169},{"word":"twelve","start":4197.17,"end":4197.41,"confidence":0.99975914,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.08693806827068329},{"word":"months","start":4197.41,"end":4197.73,"confidence":0.9997068,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.07037012279033661},{"word":"been","start":4197.73,"end":4197.9697,"confidence":0.97960657,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.06497235596179962},{"word":"absent","start":4197.9697,"end":4198.37,"confidence":0.9992817,"punctuated_word":"absent","sentiment":"neutral","sentiment_score":-0.1372068077325821},{"word":"from","start":4198.37,"end":4198.61,"confidence":0.9996933,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.1286633461713791},{"word":"work","start":4198.61,"end":4198.85,"confidence":0.99987006,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.10272392630577087},{"word":"or","start":4198.85,"end":4199.01,"confidence":0.9879566,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.14687471091747284},{"word":"unable","start":4199.01,"end":4199.4897,"confidence":0.9998099,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.10765063762664796},{"word":"to","start":4199.4897,"end":4199.65,"confidence":0.99942136,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12037044018507004},{"word":"perform","start":4199.65,"end":4200.05,"confidence":0.9998128,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":-0.11484139412641524},{"word":"your","start":4200.05,"end":4200.29,"confidence":0.9976751,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.11244639754295348},{"word":"duties","start":4200.29,"end":4200.61,"confidence":0.9990671,"punctuated_word":"duties","sentiment":"neutral","sentiment_score":-0.07386498153209686},{"word":"of","start":4200.61,"end":4200.77,"confidence":0.9952437,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10463933646678925},{"word":"your","start":4200.77,"end":4201.01,"confidence":0.99946827,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1119970604777336},{"word":"usual","start":4201.01,"end":4201.51,"confidence":0.99975103,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":-0.10071180760860445},{"word":"occupation","start":4201.57,"end":4202.07,"confidence":0.99938226,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":-0.06561307609081268},{"word":"or","start":4202.69,"end":4202.85,"confidence":0.85857034,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0832429975271225},{"word":"been","start":4202.85,"end":4203.17,"confidence":0.629891,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.09345962852239607},{"word":"unable","start":4203.17,"end":4203.57,"confidence":0.9996575,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.11595772206783296},{"word":"to","start":4203.57,"end":4203.9697,"confidence":0.9977016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12906154990196228},{"word":"perform","start":4203.9697,"end":4204.4497,"confidence":0.98171335,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":-0.1201629787683487},{"word":"any","start":4204.4497,"end":4204.69,"confidence":0.99918395,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.10241328179836272},{"word":"domestic","start":4204.69,"end":4205.19,"confidence":0.99990225,"punctuated_word":"domestic","sentiment":"neutral","sentiment_score":-0.14379841089248657},{"word":"duties","start":4205.33,"end":4205.83,"confidence":0.7408861,"punctuated_word":"duties,","sentiment":"neutral","sentiment_score":-0.10351251065731049},{"word":"anything","start":4206.53,"end":4207.01,"confidence":0.9335982,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.10798324644565582},{"word":"other","start":4207.01,"end":4207.25,"confidence":0.99968994,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.09708837419748306},{"word":"than","start":4207.25,"end":4207.4897,"confidence":0.99955016,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.12491708993911745},{"word":"being","start":4207.4897,"end":4207.73,"confidence":0.9915535,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.100272499024868},{"word":"off","start":4207.73,"end":4207.89,"confidence":0.9980009,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.08094730973243713},{"word":"work","start":4207.89,"end":4208.13,"confidence":0.9995709,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.08319555222988129},{"word":"for","start":4208.13,"end":4208.37,"confidence":0.9455601,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.1556648015975952},{"word":"say","start":4208.37,"end":4208.61,"confidence":0.9983089,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.1019257977604866},{"word":"six","start":4208.61,"end":4208.85,"confidence":0.99530196,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.09711569547653198},{"word":"days","start":4208.85,"end":4209.09,"confidence":0.99957985,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.09422700107097626},{"word":"with","start":4209.09,"end":4209.33,"confidence":0.9203735,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.12246187776327132},{"word":"a","start":4209.33,"end":4209.41,"confidence":0.77019507,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0915263295173645},{"word":"cold","start":4209.41,"end":4209.65,"confidence":0.9861647,"punctuated_word":"cold","sentiment":"neutral","sentiment_score":-0.11284928023815156},{"word":"or","start":4209.65,"end":4209.73,"confidence":0.99794585,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09523001313209534},{"word":"a","start":4209.73,"end":4209.975,"confidence":0.9777886,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.085645392537117},{"word":"flu","start":4211.575,"end":4211.895,"confidence":0.8100407,"punctuated_word":"flu?","sentiment":"neutral","sentiment_score":-0.07550013065338135},{"word":"no","start":4211.895,"end":4212.295,"confidence":0.88604814,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08040760457515717},{"word":"fantastic","start":4212.295,"end":4212.795,"confidence":0.99925584,"punctuated_word":"Fantastic.","sentiment":"neutral","sentiment_score":0.014500580728054048},{"word":"the","start":4213.975,"end":4214.055,"confidence":0.850304,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04620292782783508},{"word":"next","start":4214.055,"end":4214.295,"confidence":0.9998692,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.054971784353256226},{"word":"one","start":4214.295,"end":4214.455,"confidence":0.9980172,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.04163020849227905},{"word":"here","start":4214.455,"end":4214.775,"confidence":0.99976474,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.03130059316754341},{"word":"says","start":4214.775,"end":4215.275,"confidence":0.4872684,"punctuated_word":"says,","sentiment":"neutral","sentiment_score":-0.028335101902484897},{"word":"have","start":4215.495,"end":4215.575,"confidence":0.7042194,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.050605520606040955},{"word":"you","start":4215.575,"end":4215.6553,"confidence":0.9979001,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05112791806459427},{"word":"been","start":4215.6553,"end":4215.895,"confidence":0.99086654,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.05009954795241356},{"word":"diagnosed","start":4215.895,"end":4216.375,"confidence":0.99938226,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":-0.04853139817714691},{"word":"with","start":4216.375,"end":4216.535,"confidence":0.9991204,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.06065715104341507},{"word":"or","start":4216.535,"end":4216.775,"confidence":0.7192929,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08021456003189087},{"word":"do","start":4216.775,"end":4216.935,"confidence":0.99664754,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05172603577375412},{"word":"you","start":4216.935,"end":4217.095,"confidence":0.9921753,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05563836544752121},{"word":"suffer","start":4217.095,"end":4217.415,"confidence":0.9989023,"punctuated_word":"suffer","sentiment":"neutral","sentiment_score":-0.08845826238393784},{"word":"from","start":4217.415,"end":4217.575,"confidence":0.9994498,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.0878211110830307},{"word":"an","start":4217.575,"end":4217.735,"confidence":0.99763274,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.07707416266202927},{"word":"illness","start":4217.735,"end":4218.1353,"confidence":0.99993587,"punctuated_word":"illness","sentiment":"neutral","sentiment_score":-0.0785675197839737},{"word":"that","start":4218.1353,"end":4218.295,"confidence":0.9992392,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0969369113445282},{"word":"may","start":4218.295,"end":4218.535,"confidence":0.9997379,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.10488369315862656},{"word":"cause","start":4218.535,"end":4218.935,"confidence":0.9997675,"punctuated_word":"cause","sentiment":"neutral","sentiment_score":-0.08476198464632034},{"word":"inability","start":4218.935,"end":4219.435,"confidence":0.99819934,"punctuated_word":"inability","sentiment":"neutral","sentiment_score":-0.09615156054496764},{"word":"to","start":4219.895,"end":4220.055,"confidence":0.999426,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1329571008682251},{"word":"work","start":4220.055,"end":4220.555,"confidence":0.8576031,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.0983019918203354},{"word":"or","start":4221.095,"end":4221.255,"confidence":0.9835096,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0819985568523407},{"word":"have","start":4221.255,"end":4221.415,"confidence":0.99848866,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04584233835339546},{"word":"you","start":4221.415,"end":4221.495,"confidence":0.99912125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04722369462251663},{"word":"been","start":4221.495,"end":4221.815,"confidence":0.9957064,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.057514987885952},{"word":"diagnosed","start":4221.815,"end":4222.295,"confidence":0.99931836,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":-0.04684288427233696},{"word":"with","start":4222.295,"end":4222.375,"confidence":0.98342955,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07770009338855743},{"word":"a","start":4222.375,"end":4222.535,"confidence":0.95420134,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06822455674409866},{"word":"terminal","start":4222.535,"end":4223.015,"confidence":0.9998342,"punctuated_word":"terminal","sentiment":"neutral","sentiment_score":-0.11773840337991714},{"word":"illness","start":4223.015,"end":4223.515,"confidence":0.99950635,"punctuated_word":"illness?","sentiment":"neutral","sentiment_score":-0.07321023941040039},{"word":"no","start":4225.095,"end":4225.595,"confidence":0.82009614,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07585412263870239},{"word":"fantastic","start":4225.73,"end":4226.23,"confidence":0.9945034,"punctuated_word":"Fantastic.","sentiment":"neutral","sentiment_score":-0.023661237210035324},{"word":"have","start":4226.77,"end":4227.01,"confidence":0.77419007,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.048983849585056305},{"word":"you","start":4227.01,"end":4227.17,"confidence":0.9998597,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04925711452960968},{"word":"ever","start":4227.17,"end":4227.4897,"confidence":0.99992895,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.030151985585689545},{"word":"had","start":4227.4897,"end":4227.65,"confidence":0.9996119,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.05129319429397583},{"word":"an","start":4227.65,"end":4227.89,"confidence":0.992247,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.04026377573609352},{"word":"insurance","start":4227.89,"end":4228.39,"confidence":0.9994698,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.07514898478984833},{"word":"application","start":4228.4497,"end":4228.9497,"confidence":0.9985784,"punctuated_word":"application","sentiment":"neutral","sentiment_score":-0.08279940485954285},{"word":"for","start":4229.01,"end":4229.17,"confidence":0.99846077,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07348364591598511},{"word":"death","start":4229.17,"end":4229.4897,"confidence":0.94921875,"punctuated_word":"death,","sentiment":"neutral","sentiment_score":-0.06756860762834549},{"word":"death","start":4229.4897,"end":4229.73,"confidence":0.98034334,"punctuated_word":"death","sentiment":"neutral","sentiment_score":-0.056668467819690704},{"word":"and","start":4229.73,"end":4229.89,"confidence":0.8847011,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07875549793243408},{"word":"tbd","start":4229.89,"end":4230.39,"confidence":0.8564071,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":-0.05984315276145935},{"word":"terminal","start":4230.61,"end":4231.09,"confidence":0.99703896,"punctuated_word":"terminal","sentiment":"neutral","sentiment_score":-0.09894992411136629},{"word":"illness","start":4231.09,"end":4231.57,"confidence":0.79912263,"punctuated_word":"illness,","sentiment":"neutral","sentiment_score":-0.05987995117902756},{"word":"or","start":4231.57,"end":4231.65,"confidence":0.9987374,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06904073059558868},{"word":"income","start":4231.65,"end":4231.9697,"confidence":0.9995894,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.06125348433852196},{"word":"protection","start":4231.9697,"end":4232.4497,"confidence":0.9223007,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":-0.06521700322628021},{"word":"or","start":4232.4497,"end":4232.77,"confidence":0.9992188,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0745411217212677},{"word":"accident","start":4232.77,"end":4233.17,"confidence":0.8808088,"punctuated_word":"accident","sentiment":"neutral","sentiment_score":-0.05200574919581413},{"word":"and","start":4233.17,"end":4233.25,"confidence":0.4713448,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07196280360221863},{"word":"sickness","start":4233.25,"end":4233.75,"confidence":0.99892336,"punctuated_word":"sickness","sentiment":"neutral","sentiment_score":-0.07085525244474411},{"word":"ever","start":4233.81,"end":4234.21,"confidence":0.9931636,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.057220689952373505},{"word":"refused","start":4234.21,"end":4234.71,"confidence":0.9915613,"punctuated_word":"refused?","sentiment":"neutral","sentiment_score":-0.07899709790945053},{"word":"no","start":4236.4497,"end":4236.69,"confidence":0.9718318,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06052195280790329},{"word":"fantastic","start":4236.69,"end":4237.19,"confidence":0.99979603,"punctuated_word":"Fantastic.","sentiment":"neutral","sentiment_score":-0.008739791810512543},{"word":"have","start":4237.89,"end":4238.05,"confidence":0.98786724,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":-0.02173624187707901},{"word":"you","start":4238.05,"end":4238.21,"confidence":0.9998585,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014179069548845291},{"word":"ever","start":4238.21,"end":4238.4497,"confidence":0.9998597,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.002214126288890838},{"word":"been","start":4238.4497,"end":4238.745,"confidence":0.9974986,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.017465801909565926},{"word":"paid","start":4238.745,"end":4238.9854,"confidence":0.86270297,"punctuated_word":"paid,","sentiment":"neutral","sentiment_score":-0.01863974705338478},{"word":"or","start":4238.9854,"end":4239.145,"confidence":0.99927014,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.043098531663417816},{"word":"are","start":4239.145,"end":4239.225,"confidence":0.999946,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02675504982471466},{"word":"you","start":4239.225,"end":4239.545,"confidence":0.9997526,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03200705349445343},{"word":"eligible","start":4239.545,"end":4240.045,"confidence":0.9997898,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":-0.02556740492582321},{"word":"to","start":4240.105,"end":4240.345,"confidence":0.9998572,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03617434576153755},{"word":"be","start":4240.345,"end":4240.4253,"confidence":0.99985135,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.02613762579858303},{"word":"paid","start":4240.4253,"end":4240.745,"confidence":0.8919152,"punctuated_word":"paid,","sentiment":"neutral","sentiment_score":-0.030439386144280434},{"word":"or","start":4240.745,"end":4240.9053,"confidence":0.99988353,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.046064265072345734},{"word":"are","start":4240.9053,"end":4241.065,"confidence":0.99994004,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02740703895688057},{"word":"you","start":4241.065,"end":4241.225,"confidence":0.9996667,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03304882347583771},{"word":"currently","start":4241.225,"end":4241.545,"confidence":0.999785,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.05944639816880226},{"word":"in","start":4241.545,"end":4241.705,"confidence":0.999874,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04601815715432167},{"word":"the","start":4241.705,"end":4241.865,"confidence":0.9994461,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04640241712331772},{"word":"process","start":4241.865,"end":4242.265,"confidence":0.99962974,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.04723789170384407},{"word":"of","start":4242.265,"end":4242.505,"confidence":0.9985512,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04642615467309952},{"word":"submitting","start":4242.505,"end":4242.9053,"confidence":0.9998647,"punctuated_word":"submitting","sentiment":"neutral","sentiment_score":-0.05538758635520935},{"word":"a","start":4242.9053,"end":4243.065,"confidence":0.99294853,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03156333789229393},{"word":"claim","start":4243.065,"end":4243.3853,"confidence":0.99984646,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.01996392011642456},{"word":"for","start":4243.3853,"end":4243.545,"confidence":0.999295,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04918593168258667},{"word":"any","start":4243.545,"end":4243.865,"confidence":0.9995722,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.04174157232046127},{"word":"illness","start":4243.865,"end":4244.185,"confidence":0.9996506,"punctuated_word":"illness","sentiment":"neutral","sentiment_score":-0.045522261410951614},{"word":"or","start":4244.185,"end":4244.4253,"confidence":0.9990783,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09878671169281006},{"word":"injury","start":4244.4253,"end":4244.9253,"confidence":0.999655,"punctuated_word":"injury","sentiment":"neutral","sentiment_score":-0.06930428743362427},{"word":"through","start":4245.225,"end":4245.4653,"confidence":0.9920162,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.08559539914131165},{"word":"the","start":4245.4653,"end":4245.625,"confidence":0.881943,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08143910765647888},{"word":"workers'","start":4245.625,"end":4246.105,"confidence":0.84150994,"punctuated_word":"workers'","sentiment":"neutral","sentiment_score":-0.08076516538858414},{"word":"compensation","start":4246.105,"end":4246.605,"confidence":0.99967134,"punctuated_word":"compensation","sentiment":"neutral","sentiment_score":-0.08925481140613556},{"word":"fund","start":4246.9854,"end":4247.305,"confidence":0.9338387,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.06114555150270462},{"word":"government","start":4247.305,"end":4247.805,"confidence":0.9996635,"punctuated_word":"government","sentiment":"neutral","sentiment_score":-0.04016800597310066},{"word":"benefits","start":4247.865,"end":4248.345,"confidence":0.9917364,"punctuated_word":"benefits,","sentiment":"neutral","sentiment_score":-0.05742990970611572},{"word":"or","start":4248.345,"end":4248.505,"confidence":0.9997416,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04875979945063591},{"word":"any","start":4248.505,"end":4248.825,"confidence":0.99988544,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.03092840686440468},{"word":"insurance","start":4248.825,"end":4249.325,"confidence":0.9997782,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.05160794034600258},{"word":"policy","start":4249.3853,"end":4249.8853,"confidence":0.9997576,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.05421939492225647},{"word":"providing","start":4249.9453,"end":4250.4453,"confidence":0.9786709,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":-0.06645391136407852},{"word":"terminal","start":4250.9854,"end":4251.4653,"confidence":0.68123764,"punctuated_word":"terminal","sentiment":"neutral","sentiment_score":-0.06756880134344101},{"word":"illness","start":4251.4653,"end":4251.9453,"confidence":0.9691249,"punctuated_word":"illness,","sentiment":"neutral","sentiment_score":-0.03641165792942047},{"word":"tbd","start":4251.9453,"end":4252.4453,"confidence":0.7378212,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":-0.031788602471351624},{"word":"income","start":4252.665,"end":4253.065,"confidence":0.9989053,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.04931536689400673},{"word":"protection","start":4253.065,"end":4253.565,"confidence":0.7978506,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":-0.05226976051926613},{"word":"or","start":4253.66,"end":4253.8203,"confidence":0.9980646,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05521732568740845},{"word":"accident","start":4253.8203,"end":4254.06,"confidence":0.9745694,"punctuated_word":"accident","sentiment":"neutral","sentiment_score":-0.036507632583379745},{"word":"or","start":4254.06,"end":4254.46,"confidence":0.52603644,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.057228244841098785},{"word":"sickness","start":4254.46,"end":4254.86,"confidence":0.9949438,"punctuated_word":"sickness","sentiment":"neutral","sentiment_score":-0.05255023017525673},{"word":"cover","start":4254.86,"end":4255.36,"confidence":0.90505743,"punctuated_word":"cover?","sentiment":"neutral","sentiment_score":-0.05252308398485184},{"word":"no","start":4256.86,"end":4257.18,"confidence":0.7694374,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09556584060192108},{"word":"it's","start":4257.18,"end":4257.34,"confidence":0.80120945,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.028736863285303116},{"word":"beautiful","start":4257.34,"end":4257.84,"confidence":0.99849665,"punctuated_word":"beautiful.","sentiment":"neutral","sentiment_score":0.019519712775945663},{"word":"and","start":4258.06,"end":4258.38,"confidence":0.9983859,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.021904774010181427},{"word":"have","start":4258.38,"end":4258.54,"confidence":0.99935204,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02900125272572041},{"word":"you","start":4258.54,"end":4258.7,"confidence":0.999841,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019162211567163467},{"word":"ever","start":4258.7,"end":4258.94,"confidence":0.9991748,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.0035134032368659973},{"word":"had","start":4258.94,"end":4259.18,"confidence":0.9993857,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.024129703640937805},{"word":"an","start":4259.18,"end":4259.34,"confidence":0.9924735,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.05325165390968323},{"word":"insurance","start":4259.34,"end":4259.84,"confidence":0.99973756,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.06864272803068161},{"word":"application","start":4259.98,"end":4260.48,"confidence":0.9956298,"punctuated_word":"application","sentiment":"neutral","sentiment_score":-0.05503004416823387},{"word":"for","start":4260.54,"end":4260.7,"confidence":0.99599093,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08234391361474991},{"word":"death","start":4260.7,"end":4261.1,"confidence":0.9421763,"punctuated_word":"death","sentiment":"neutral","sentiment_score":-0.06493598222732544},{"word":"death","start":4261.1,"end":4261.42,"confidence":0.6212986,"punctuated_word":"death","sentiment":"neutral","sentiment_score":-0.05113283917307854},{"word":"and","start":4261.42,"end":4261.58,"confidence":0.9525728,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12189959734678268},{"word":"total","start":4261.58,"end":4261.9,"confidence":0.9981902,"punctuated_word":"total","sentiment":"neutral","sentiment_score":-0.15314261615276337},{"word":"permanent","start":4261.9,"end":4262.3003,"confidence":0.92198765,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.09851439297199248},{"word":"disability","start":4262.3003,"end":4262.8003,"confidence":0.7841513,"punctuated_word":"disability,","sentiment":"neutral","sentiment_score":-0.06904482841491699},{"word":"income","start":4262.94,"end":4263.2603,"confidence":0.99969614,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.07026734203100204},{"word":"protection","start":4263.2603,"end":4263.7603,"confidence":0.9930918,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":-0.07618887722492218},{"word":"terminal","start":4264.3003,"end":4264.7803,"confidence":0.9975586,"punctuated_word":"terminal","sentiment":"neutral","sentiment_score":-0.12239118665456772},{"word":"illness","start":4264.7803,"end":4265.2803,"confidence":0.9997298,"punctuated_word":"illness","sentiment":"neutral","sentiment_score":-0.0696876123547554},{"word":"cover","start":4267.155,"end":4267.655,"confidence":0.9969303,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.11889628320932388},{"word":"modified","start":4267.875,"end":4268.375,"confidence":0.6103083,"punctuated_word":"modified","sentiment":"neutral","sentiment_score":-0.12361305207014084},{"word":"or","start":4268.4346,"end":4268.675,"confidence":0.8373295,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.14984309673309326},{"word":"offered","start":4268.675,"end":4268.9946,"confidence":0.9922449,"punctuated_word":"offered","sentiment":"neutral","sentiment_score":-0.13156725466251373},{"word":"on","start":4268.9946,"end":4269.235,"confidence":0.98206675,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.13942685723304749},{"word":"nonstandard","start":4269.235,"end":4269.735,"confidence":0.9463557,"punctuated_word":"nonstandard","sentiment":"neutral","sentiment_score":-0.1310330331325531},{"word":"terms","start":4270.0347,"end":4270.5347,"confidence":0.77503383,"punctuated_word":"terms.","sentiment":"neutral","sentiment_score":-0.07505296170711517},{"word":"no","start":4272.0347,"end":4272.355,"confidence":0.79340124,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05594815686345101},{"word":"beautiful","start":4272.355,"end":4272.755,"confidence":0.9994257,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.05127107724547386},{"word":"thank","start":4272.755,"end":4272.915,"confidence":0.99972326,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.05867926776409149},{"word":"you","start":4272.915,"end":4273.155,"confidence":0.9998894,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1429646611213684},{"word":"so","start":4273.155,"end":4273.235,"confidence":0.99899656,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.17068079113960266},{"word":"much","start":4273.235,"end":4273.395,"confidence":0.99986494,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.22594167292118073},{"word":"for","start":4273.395,"end":4273.4746,"confidence":0.6572884,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2074818909168243},{"word":"that","start":4273.4746,"end":4273.715,"confidence":0.99757075,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.18560683727264404},{"word":"so","start":4273.715,"end":4273.875,"confidence":0.78138435,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09316116571426392},{"word":"sorry","start":4273.875,"end":4274.195,"confidence":0.99631643,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.17788384854793549},{"word":"those","start":4274.195,"end":4274.4346,"confidence":0.9185872,"punctuated_word":"Those","sentiment":"neutral","sentiment_score":-0.2410392314195633},{"word":"are","start":4274.4346,"end":4274.5947,"confidence":0.9968194,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2966639995574951},{"word":"very","start":4274.5947,"end":4274.835,"confidence":0.9994282,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.3395286202430725},{"word":"wordy","start":4274.835,"end":4275.235,"confidence":0.9848183,"punctuated_word":"wordy.","sentiment":"neutral","sentiment_score":-0.2918412387371063},{"word":"they're","start":4275.235,"end":4275.5547,"confidence":0.9485927,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.14520184695720673},{"word":"small","start":4275.5547,"end":4275.795,"confidence":0.9981893,"punctuated_word":"small","sentiment":"neutral","sentiment_score":-0.14064541459083557},{"word":"questions","start":4275.795,"end":4276.195,"confidence":0.97474325,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":-0.07121918350458145},{"word":"but","start":4276.195,"end":4276.4346,"confidence":0.97897345,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08165617287158966},{"word":"they're","start":4276.4346,"end":4276.675,"confidence":0.97785056,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.06907163560390472},{"word":"very","start":4276.675,"end":4276.915,"confidence":0.9749146,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5730069875717163},{"word":"wordy","start":4276.915,"end":4277.415,"confidence":0.9436076,"punctuated_word":"wordy.","sentiment":"positive","sentiment_score":0.5217975378036499},{"word":"i","start":4280.755,"end":4280.915,"confidence":0.9925551,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.8287997245788574},{"word":"love","start":4280.915,"end":4281.155,"confidence":0.99837315,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.8551167845726013},{"word":"it","start":4281.155,"end":4281.395,"confidence":0.99879956,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.8446753025054932},{"word":"thank","start":4281.395,"end":4281.715,"confidence":0.99818903,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.851065456867218},{"word":"you","start":4281.715,"end":4281.9546,"confidence":0.99850357,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8820664882659912},{"word":"so","start":4281.9546,"end":4282.1147,"confidence":0.9955374,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8710522651672363},{"word":"much","start":4282.1147,"end":4282.355,"confidence":0.99425346,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8968023061752319},{"word":"for","start":4282.355,"end":4282.62,"confidence":0.7673264,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8974323868751526},{"word":"that","start":4282.62,"end":4282.7,"confidence":0.9969992,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.8156076669692993},{"word":"that's","start":4282.7,"end":4282.8604,"confidence":0.9980424,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.49801933765411377},{"word":"the","start":4282.8604,"end":4283.02,"confidence":0.9985513,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32994627952575684},{"word":"only","start":4283.02,"end":4283.3403,"confidence":0.99979573,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.16814874112606049},{"word":"part","start":4283.3403,"end":4283.46,"confidence":0.9988393,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.2634791433811188},{"word":"of","start":4283.46,"end":4283.58,"confidence":0.99900985,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2632276117801666},{"word":"the","start":4283.58,"end":4283.74,"confidence":0.99692047,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4760206341743469},{"word":"pre","start":4283.74,"end":4284.06,"confidence":0.9113416,"punctuated_word":"pre","sentiment":"positive","sentiment_score":0.6080725789070129},{"word":"assess","start":4284.06,"end":4284.3003,"confidence":0.34921214,"punctuated_word":"assess","sentiment":"positive","sentiment_score":0.3955128490924835},{"word":"beautiful","start":4284.54,"end":4285.04,"confidence":0.83385694,"punctuated_word":"beautiful.","sentiment":"positive","sentiment_score":0.6855984926223755},{"word":"that's","start":4285.18,"end":4285.3403,"confidence":0.8750279,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.502335786819458},{"word":"the","start":4285.3403,"end":4285.5,"confidence":0.99862254,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4573923945426941},{"word":"only","start":4285.5,"end":4285.66,"confidence":0.99974746,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.3046697974205017},{"word":"part","start":4285.66,"end":4285.9,"confidence":0.99646276,"punctuated_word":"part","sentiment":"positive","sentiment_score":0.36441710591316223},{"word":"of","start":4285.9,"end":4285.98,"confidence":0.99630046,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.41177162528038025},{"word":"the","start":4285.98,"end":4286.06,"confidence":0.9868215,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.46843454241752625},{"word":"pre","start":4286.06,"end":4286.3003,"confidence":0.99861085,"punctuated_word":"pre","sentiment":"positive","sentiment_score":0.4235706627368927},{"word":"assessment","start":4286.3003,"end":4286.62,"confidence":0.8059029,"punctuated_word":"assessment","sentiment":"positive","sentiment_score":0.380818635225296},{"word":"we","start":4286.62,"end":4286.7803,"confidence":0.991276,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3207656443119049},{"word":"need","start":4286.7803,"end":4287.02,"confidence":0.99977034,"punctuated_word":"need","sentiment":"positive","sentiment_score":0.3970542848110199},{"word":"to","start":4287.02,"end":4287.52,"confidence":0.99915123,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4475713074207306},{"word":"essentially","start":4287.66,"end":4288.16,"confidence":0.93500733,"punctuated_word":"essentially","sentiment":"positive","sentiment_score":0.43024712800979614},{"word":"look","start":4288.38,"end":4288.62,"confidence":0.9993356,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.45302456617355347},{"word":"at","start":4288.62,"end":4288.7803,"confidence":0.8976343,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.45815330743789673},{"word":"for","start":4288.7803,"end":4289.02,"confidence":0.99877304,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4507127404212952},{"word":"you","start":4289.02,"end":4289.52,"confidence":0.999231,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.429807722568512},{"word":"now","start":4290.94,"end":4291.18,"confidence":0.92607117,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.22954821586608887},{"word":"i'm","start":4291.18,"end":4291.3403,"confidence":0.998857,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.17995846271514893},{"word":"just","start":4291.3403,"end":4291.66,"confidence":0.99995434,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18957392871379852},{"word":"confirming","start":4291.66,"end":4292.16,"confidence":0.87547237,"punctuated_word":"confirming.","sentiment":"neutral","sentiment_score":0.14197513461112976},{"word":"so","start":4292.3003,"end":4292.62,"confidence":0.9935981,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08460208773612976},{"word":"you","start":4292.62,"end":4292.7803,"confidence":0.9984585,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06525331735610962},{"word":"currently","start":4292.7803,"end":4293.18,"confidence":0.9922632,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.06738676130771637},{"word":"work","start":4293.18,"end":4293.42,"confidence":0.99952984,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.11022498458623886},{"word":"a","start":4293.42,"end":4293.5,"confidence":0.9827398,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10248135030269624},{"word":"thirty","start":4293.5,"end":4293.8203,"confidence":0.9986803,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.10995300859212875},{"word":"eight","start":4293.8203,"end":4293.98,"confidence":0.9979638,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.07575914263725281},{"word":"hour","start":4293.98,"end":4294.22,"confidence":0.9987993,"punctuated_word":"hour","sentiment":"neutral","sentiment_score":0.08652658015489578},{"word":"week","start":4294.22,"end":4294.46,"confidence":0.95339537,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.1078152358531952},{"word":"if","start":4294.46,"end":4294.62,"confidence":0.99919075,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1353970319032669},{"word":"we","start":4294.62,"end":4294.7803,"confidence":0.99956256,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.140218585729599},{"word":"drop","start":4294.7803,"end":4295.02,"confidence":0.8935066,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.11395078152418137},{"word":"that","start":4295.02,"end":4295.18,"confidence":0.99964595,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1238296404480934},{"word":"to","start":4295.18,"end":4295.415,"confidence":0.9988206,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11565186828374864},{"word":"half","start":4295.415,"end":4295.6553,"confidence":0.99926746,"punctuated_word":"half,","sentiment":"neutral","sentiment_score":0.14674422144889832},{"word":"you'd","start":4295.6553,"end":4295.7754,"confidence":0.99811,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.20466910302639008},{"word":"be","start":4295.7754,"end":4295.895,"confidence":0.99951136,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.19541968405246735},{"word":"working","start":4295.895,"end":4296.375,"confidence":0.9730195,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.12587982416152954},{"word":"about","start":4296.375,"end":4296.775,"confidence":0.97297174,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16174636781215668},{"word":"nineteen","start":4296.775,"end":4297.275,"confidence":0.9990796,"punctuated_word":"nineteen","sentiment":"neutral","sentiment_score":0.17258195579051971},{"word":"hours","start":4297.335,"end":4297.835,"confidence":0.9995498,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.11797456443309784},{"word":"per","start":4297.975,"end":4298.215,"confidence":0.99913305,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.138324037194252},{"word":"week","start":4298.215,"end":4298.715,"confidence":0.9974017,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.20261961221694944},{"word":"beautiful","start":4300.375,"end":4300.875,"confidence":0.9857711,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6953444480895996},{"word":"that's","start":4301.015,"end":4301.335,"confidence":0.72378063,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4429149627685547},{"word":"the","start":4301.335,"end":4301.415,"confidence":0.99454296,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39952564239501953},{"word":"only","start":4301.415,"end":4301.575,"confidence":0.9994325,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.19696247577667236},{"word":"other","start":4301.575,"end":4301.735,"confidence":0.91708165,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2292257845401764},{"word":"thing","start":4301.735,"end":4301.975,"confidence":0.9992495,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.17523373663425446},{"word":"i'll","start":4301.975,"end":4302.1353,"confidence":0.9907279,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.25406143069267273},{"word":"double","start":4302.1353,"end":4302.455,"confidence":0.9996921,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.13096295297145844},{"word":"check","start":4302.455,"end":4302.695,"confidence":0.9995123,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.16133177280426023},{"word":"with","start":4302.695,"end":4302.935,"confidence":0.999503,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20603175461292267},{"word":"the","start":4302.935,"end":4303.095,"confidence":0.99862826,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2794061601161957},{"word":"insurer","start":4303.095,"end":4303.495,"confidence":0.99326587,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":0.24807336926460263},{"word":"and","start":4303.495,"end":4303.735,"confidence":0.9438008,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20224884152412417},{"word":"the","start":4303.735,"end":4303.895,"confidence":0.9986656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24203671514987943},{"word":"terms","start":4303.895,"end":4304.375,"confidence":0.942511,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.1500198245048523},{"word":"is","start":4304.375,"end":4304.535,"confidence":0.96530336,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22501803934574127},{"word":"making","start":4304.535,"end":4304.855,"confidence":0.9995782,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.2041575312614441},{"word":"sure","start":4304.855,"end":4305.015,"confidence":0.999757,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1847139447927475},{"word":"that","start":4305.015,"end":4305.255,"confidence":0.99992514,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17967572808265686},{"word":"that","start":4305.255,"end":4305.415,"confidence":0.9959785,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17227432131767273},{"word":"many","start":4305.415,"end":4305.815,"confidence":0.99918884,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.15600056946277618},{"word":"hours","start":4305.815,"end":4306.315,"confidence":0.99978536,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.10310839116573334},{"word":"is","start":4306.455,"end":4306.695,"confidence":0.9995964,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17066128551959991},{"word":"fine","start":4306.695,"end":4306.935,"confidence":0.9868923,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.171708881855011},{"word":"it","start":4306.935,"end":4307.095,"confidence":0.99768066,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.17702782154083252},{"word":"shouldn't","start":4307.095,"end":4307.415,"confidence":0.99992913,"punctuated_word":"shouldn't","sentiment":"neutral","sentiment_score":0.17821624875068665},{"word":"be","start":4307.415,"end":4307.495,"confidence":0.9997452,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13416996598243713},{"word":"a","start":4307.495,"end":4307.575,"confidence":0.9989151,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09327155351638794},{"word":"problem","start":4307.575,"end":4307.815,"confidence":0.9999201,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.08840098977088928},{"word":"because","start":4307.815,"end":4308.055,"confidence":0.8361192,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.09019511193037032},{"word":"it's","start":4308.055,"end":4308.1353,"confidence":0.8625121,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1164333075284958},{"word":"only","start":4308.1353,"end":4308.375,"confidence":0.9213091,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.05269414931535721},{"word":"life","start":4308.375,"end":4308.535,"confidence":0.948266,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.11645733565092088},{"word":"and","start":4308.535,"end":4308.695,"confidence":0.90128523,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10086704790592194},{"word":"tpd","start":4308.695,"end":4309.14,"confidence":0.8360146,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.13137395679950714},{"word":"that","start":4309.14,"end":4309.3003,"confidence":0.50109434,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08983000367879868},{"word":"we're","start":4309.3003,"end":4309.3804,"confidence":0.98164535,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07217437773942947},{"word":"transferring","start":4309.3804,"end":4309.7803,"confidence":0.99309546,"punctuated_word":"transferring.","sentiment":"neutral","sentiment_score":0.13204173743724823},{"word":"it","start":4309.7803,"end":4309.94,"confidence":0.9995772,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.01074594259262085},{"word":"doesn't","start":4309.94,"end":4310.18,"confidence":0.99995667,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.016641592606902122},{"word":"have","start":4310.18,"end":4310.42,"confidence":0.99931204,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0059545934200286865},{"word":"income","start":4310.42,"end":4310.74,"confidence":0.97003233,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.024549707770347595},{"word":"protection","start":4310.74,"end":4311.22,"confidence":0.9992736,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.02037668228149414},{"word":"effects","start":4311.22,"end":4311.62,"confidence":0.84688175,"punctuated_word":"effects,","sentiment":"neutral","sentiment_score":0.027949806302785873},{"word":"so","start":4311.62,"end":4311.7803,"confidence":0.98907673,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14133864641189575},{"word":"that's","start":4311.7803,"end":4312.02,"confidence":0.9998921,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1952832043170929},{"word":"okay","start":4312.02,"end":4312.52,"confidence":0.99985003,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1922428458929062},{"word":"that","start":4313.22,"end":4313.3804,"confidence":0.9946654,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2982860207557678},{"word":"is","start":4313.3804,"end":4313.62,"confidence":0.99994373,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.348166286945343},{"word":"honestly","start":4313.62,"end":4314.1,"confidence":0.96180904,"punctuated_word":"honestly","sentiment":"positive","sentiment_score":0.36791372299194336},{"word":"everything","start":4314.1,"end":4314.42,"confidence":0.99901533,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.4064774513244629},{"word":"i","start":4314.42,"end":4314.5,"confidence":0.99966943,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.26677876710891724},{"word":"need","start":4314.5,"end":4314.74,"confidence":0.9961959,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.3269495666027069},{"word":"at","start":4314.74,"end":4314.9,"confidence":0.9994295,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2432436645030975},{"word":"the","start":4314.9,"end":4314.98,"confidence":0.99942696,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3809205293655395},{"word":"moment","start":4314.98,"end":4315.3003,"confidence":0.9998078,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.32045090198516846},{"word":"if","start":4315.3003,"end":4315.54,"confidence":0.9996965,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.15920475125312805},{"word":"i","start":4315.54,"end":4315.62,"confidence":0.9998934,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1617996096611023},{"word":"do","start":4315.62,"end":4315.8604,"confidence":0.9999374,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09183891117572784},{"word":"have","start":4315.8604,"end":4316.1,"confidence":0.9985051,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0884653851389885},{"word":"any","start":4316.1,"end":4316.42,"confidence":0.99979585,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08602302521467209},{"word":"additional","start":4316.42,"end":4316.74,"confidence":0.9999293,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.05600471794605255},{"word":"questions","start":4316.74,"end":4317.14,"confidence":0.9993242,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.04987022280693054},{"word":"i","start":4317.14,"end":4317.3003,"confidence":0.99990296,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12808512151241302},{"word":"will","start":4317.3003,"end":4317.46,"confidence":0.99996924,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1440722644329071},{"word":"make","start":4317.46,"end":4317.62,"confidence":0.9998938,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09291575103998184},{"word":"sure","start":4317.62,"end":4317.8604,"confidence":0.999861,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08527709543704987},{"word":"i","start":4317.8604,"end":4318.02,"confidence":0.99883,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09211749583482742},{"word":"contact","start":4318.02,"end":4318.42,"confidence":0.9964729,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":0.031388044357299805},{"word":"you","start":4318.42,"end":4318.58,"confidence":0.79910177,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11821909248828888},{"word":"but","start":4318.58,"end":4318.9,"confidence":0.99905795,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2618747055530548},{"word":"thank","start":4318.9,"end":4319.14,"confidence":0.9992986,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.5702455043792725},{"word":"you","start":4319.14,"end":4319.3003,"confidence":0.99970585,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6171618103981018},{"word":"so","start":4319.3003,"end":4319.54,"confidence":0.9994703,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6415520310401917},{"word":"much","start":4319.54,"end":4319.7803,"confidence":0.9998919,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.6424741744995117},{"word":"for","start":4319.7803,"end":4319.8604,"confidence":0.9941507,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6217360496520996},{"word":"your","start":4319.8604,"end":4320.02,"confidence":0.99754226,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6366432905197144},{"word":"time","start":4320.02,"end":4320.2603,"confidence":0.99933386,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.6297017335891724},{"word":"i'm","start":4320.2603,"end":4320.42,"confidence":0.999851,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03779839724302292},{"word":"sorry","start":4320.42,"end":4320.66,"confidence":0.89911485,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.10394877940416336},{"word":"it's","start":4320.66,"end":4320.8203,"confidence":0.99950916,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.11776556819677352},{"word":"been","start":4320.8203,"end":4320.98,"confidence":0.9998789,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.0931861773133278},{"word":"a","start":4320.98,"end":4321.14,"confidence":0.99955183,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15702572464942932},{"word":"long","start":4321.14,"end":4321.3804,"confidence":0.99996436,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.15265882015228271},{"word":"call","start":4321.3804,"end":4321.8804,"confidence":0.997784,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":-0.14541292190551758},{"word":"just","start":4322.1753,"end":4322.415,"confidence":0.6680553,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.020027413964271545},{"word":"want","start":4322.415,"end":4322.575,"confidence":0.80225366,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.05478677153587341},{"word":"to","start":4322.575,"end":4322.6553,"confidence":0.99906963,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09008124470710754},{"word":"make","start":4322.6553,"end":4322.815,"confidence":0.999718,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.02983754873275757},{"word":"sure","start":4322.815,"end":4322.975,"confidence":0.9994179,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.042422741651535034},{"word":"we","start":4322.975,"end":4323.1353,"confidence":0.9976464,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1443883627653122},{"word":"touch","start":4323.1353,"end":4323.455,"confidence":0.65891844,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.25146210193634033},{"word":"on","start":4323.455,"end":4323.615,"confidence":0.99956626,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2009103000164032},{"word":"everything","start":4323.615,"end":4324.095,"confidence":0.9998795,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2069275379180908},{"word":"for","start":4324.095,"end":4324.335,"confidence":0.99940443,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1188577488064766},{"word":"you","start":4324.335,"end":4324.495,"confidence":0.9993049,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13596469163894653},{"word":"guys","start":4324.495,"end":4324.815,"confidence":0.969249,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":0.12061502784490584},{"word":"and","start":4324.815,"end":4325.055,"confidence":0.99955505,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14681380987167358},{"word":"i'll","start":4325.055,"end":4325.215,"confidence":0.99995226,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17974023520946503},{"word":"get","start":4325.215,"end":4325.455,"confidence":0.9998072,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1884164363145828},{"word":"this","start":4325.455,"end":4325.695,"confidence":0.9992798,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.18739646673202515},{"word":"advice","start":4325.695,"end":4326.015,"confidence":0.98098236,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.17164495587348938},{"word":"document","start":4326.015,"end":4326.495,"confidence":0.99880135,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.10580119490623474},{"word":"ready","start":4326.495,"end":4326.995,"confidence":0.9998634,"punctuated_word":"ready.","sentiment":"neutral","sentiment_score":0.11347871273756029},{"word":"i'll","start":4327.455,"end":4327.615,"confidence":0.9725648,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15459558367729187},{"word":"send","start":4327.615,"end":4327.775,"confidence":0.999332,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1651153713464737},{"word":"you","start":4327.775,"end":4328.015,"confidence":0.9995957,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16623398661613464},{"word":"the","start":4328.015,"end":4328.1753,"confidence":0.99952865,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13005147874355316},{"word":"email","start":4328.1753,"end":4328.575,"confidence":0.9718471,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.16907210648059845},{"word":"shortly","start":4328.575,"end":4328.975,"confidence":0.95360464,"punctuated_word":"shortly,","sentiment":"neutral","sentiment_score":0.1180971786379814},{"word":"and","start":4328.975,"end":4329.215,"confidence":0.999526,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10663838684558868},{"word":"maddie","start":4329.215,"end":4329.535,"confidence":0.9605366,"punctuated_word":"Maddie","sentiment":"neutral","sentiment_score":0.1722012758255005},{"word":"will","start":4329.535,"end":4329.695,"confidence":0.9913652,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.14527158439159393},{"word":"follow-up","start":4329.695,"end":4330.195,"confidence":0.99988556,"punctuated_word":"follow-up","sentiment":"neutral","sentiment_score":0.13814270496368408},{"word":"there","start":4330.255,"end":4330.495,"confidence":0.99677074,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1458606719970703},{"word":"with","start":4330.495,"end":4330.995,"confidence":0.99964833,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2027808427810669},{"word":"the","start":4331.1353,"end":4331.615,"confidence":0.9091123,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2232305258512497},{"word":"the","start":4331.615,"end":4331.775,"confidence":0.98418576,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21924324333667755},{"word":"id","start":4331.775,"end":4332.1753,"confidence":0.9446037,"punctuated_word":"ID","sentiment":"neutral","sentiment_score":0.07982613146305084},{"word":"checks","start":4332.1753,"end":4332.495,"confidence":0.7726177,"punctuated_word":"checks","sentiment":"neutral","sentiment_score":0.07905617356300354},{"word":"for","start":4332.495,"end":4332.6553,"confidence":0.99974066,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14270024001598358},{"word":"you","start":4332.6553,"end":4332.895,"confidence":0.9987674,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08074381202459335},{"word":"both","start":4332.895,"end":4333.395,"confidence":0.9899423,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":0.03272327408194542},{"word":"okay","start":4333.455,"end":4333.955,"confidence":0.9393238,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.11331657320261002},{"word":"easy","start":4335.535,"end":4336.015,"confidence":0.9737823,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.6892274618148804},{"word":"thank","start":4336.015,"end":4336.255,"confidence":0.9996458,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7770984172821045},{"word":"you","start":4336.255,"end":4336.44,"confidence":0.9999018,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8412395119667053},{"word":"so","start":4336.52,"end":4336.76,"confidence":0.9982139,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8277191519737244},{"word":"much","start":4336.76,"end":4336.92,"confidence":0.9996077,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.8030065894126892},{"word":"i'll","start":4336.92,"end":4337.08,"confidence":0.99953586,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.6127679347991943},{"word":"let","start":4337.08,"end":4337.32,"confidence":0.99987435,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.7084228992462158},{"word":"you","start":4337.32,"end":4337.4,"confidence":0.9992717,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6336047053337097},{"word":"go","start":4337.4,"end":4337.64,"confidence":0.99730384,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.6738548278808594},{"word":"to","start":4337.64,"end":4337.8,"confidence":0.9972723,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6871386170387268},{"word":"enjoy","start":4337.8,"end":4338.12,"confidence":0.9998447,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.6989348530769348},{"word":"your","start":4338.12,"end":4338.36,"confidence":0.99892044,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7215360999107361},{"word":"dinner","start":4338.36,"end":4338.86,"confidence":0.9995935,"punctuated_word":"dinner.","sentiment":"positive","sentiment_score":0.5555508136749268},{"word":"sorry","start":4339.16,"end":4339.56,"confidence":0.99669904,"punctuated_word":"Sorry","sentiment":"neutral","sentiment_score":0.019214078783988953},{"word":"about","start":4339.56,"end":4339.8,"confidence":0.99931955,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.005520984530448914},{"word":"the","start":4339.8,"end":4339.96,"confidence":0.99800533,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009350068867206572},{"word":"time","start":4339.96,"end":4340.46,"confidence":0.9997188,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.1019253358244896},{"word":"thank","start":4342.76,"end":4343.0,"confidence":0.9984831,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6111528873443604},{"word":"you","start":4343.0,"end":4343.2397,"confidence":0.9997358,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7321284413337708},{"word":"so","start":4343.2397,"end":4343.4,"confidence":0.999696,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7215781211853027},{"word":"much","start":4343.4,"end":4343.64,"confidence":0.9999448,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.734320342540741},{"word":"for","start":4343.64,"end":4343.7197,"confidence":0.899636,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7616130709648132},{"word":"your","start":4343.7197,"end":4343.88,"confidence":0.9982186,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7405629754066467},{"word":"time","start":4343.88,"end":4344.12,"confidence":0.99973017,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7486538887023926},{"word":"i","start":4344.12,"end":4344.28,"confidence":0.9983406,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.8091792464256287},{"word":"really","start":4344.28,"end":4344.52,"confidence":0.99973994,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7885721325874329},{"word":"appreciate","start":4344.52,"end":4344.92,"confidence":0.9998505,"punctuated_word":"appreciate","sentiment":"positive","sentiment_score":0.7630321383476257},{"word":"it","start":4344.92,"end":4345.08,"confidence":0.9985167,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.7827513217926025},{"word":"have","start":4345.08,"end":4345.32,"confidence":0.99963534,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.659306526184082},{"word":"a","start":4345.32,"end":4345.4,"confidence":0.9997279,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6769676208496094},{"word":"good","start":4345.4,"end":4345.64,"confidence":0.9999546,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6013554334640503},{"word":"night","start":4345.64,"end":4345.96,"confidence":0.9998193,"punctuated_word":"night.","sentiment":"positive","sentiment_score":0.638434112071991},{"word":"thank","start":4345.96,"end":4346.1997,"confidence":0.9998652,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5710033178329468},{"word":"you","start":4346.1997,"end":4346.6997,"confidence":0.99983037,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6019836664199829},{"word":"see","start":4348.12,"end":4348.28,"confidence":0.9926093,"punctuated_word":"See","sentiment":"neutral","sentiment_score":0.21380934119224548},{"word":"you","start":4348.28,"end":4348.44,"confidence":0.99901783,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28336846828460693},{"word":"later","start":4348.44,"end":4348.84,"confidence":0.9967468,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.26846203207969666},{"word":"bye","start":4348.84,"end":4349.34,"confidence":0.9966397,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.07755238562822342}],"paragraphs":{"transcript":"\nHi. Good afternoon, Scott. This is Dana from Okey Financial. Can you hear me at all? Oh, I have.\n\nYes. So sorry. There was, like, there was nothing there. I do apologize about that. Yeah.\n\nNo. That's okay. I did just leave a message on the phone. It it sort of didn't really ring. It kind of rang once and then went straight through to voice mail.\n\nSo I'm so sorry about that. I thought I'd try your number as well because you're probably sitting there waiting for me. Sorry. How are you, Lisa? I'm so sorry about yesterday.\n\nI do honestly apologize about having to push that one back and or reschedule. But she's okay. It is all sorted. It wasn't serious. Thank god.\n\nBut she was really, really stressed out and beside herself. Essentially, where I am located in Benora Point, she was turning to go into Woolies, and a car sort of went past the side flight. So he wanted to go in there as well. And so it kind of hit the front of her car. It has caused a bit of damage.\n\nHe's at fault. But, yeah, she she sent me a photo, and my husband rang me going, are you okay? Like, can I talk to you? And I was like, oh my god. What's happening?\n\nShe's been in an accident. She's freaking out. I was like, oh my god. So I had get the insurance information and get all that sorted for them. So he ended up taking over it because he was down there, which was great.\n\nI'm an hour away from home at work. So, yeah, it we got it sorted. She's okay. I went around last night and checked on her as well, and she's good. It was just the initial, oh my god.\n\nAnd she's only 19. She's got her pay plates, and she's just like, what do I do? How do I deal with this? So a bit scary for them, unfortunately, but she's good. But thank you so much for asking.\n\nAnd, again, I'm very sorry. The last thing I wanted was to reschedule your appointment. So All good. I'm so glad. All good.\n\nWell, let's have a bit of a look at things for you both. So just before I jump into the call, I do need to let you both know we do record our calls for quality and training purposes. Are you both happy for us to proceed with that? Yep. Fantastic.\n\nEssentially so we had done the advice for you. I know, Scott, we had gone through your advice case earlier, and now your circumstances have changed. So you've dropped some hours, and things have changed a lot for you. How's everything been going? Yeah.\n\nYou enjoy that? That's good. That's fantastic. And, Lisa, we just wanted to kinda update and do a new advice case for the both of you. Is that correct incorporating your full circumstances looking forward at the retirement aspect and just incorporating everything into that?\n\nDoes that sound right? Yep. Okay. Consider 50 percent work. Yep.\n\nOkay. No worries at all. Okay. Well, let's go through and update all of your circumstances. Now retirement goal wise, are we still wanting the same?\n\nI'm sorry. I'm just going back to have a look. Now we both wanted to access super around about the age of 60. Does that still sound appropriate? Yep.\n\nYep. Yep. Yep. Yep. That's okay.\n\nAnd goal was to be able to your income. We're looking at sorry. I'm just getting my screen to work for me. There we go. We were looking at a joint monthly income of $6,000 from super, so 3,000 from each if that works out that way or proportionately based on super balances.\n\nDoes that sound correct? That's Yeah. No. That's honestly not that high at all. It's essentially 72,000.\n\nThere are, like, research materials out there. So one of the research materials is ASSA, and they essentially take all the data collected by the all the industry super funds and correlate it together. And they're actually averaging that most couples need to draw no less than about 72 to $76,000 on a yearly basis for a minimum to comfortable retirement. And that's not taking holidays every year. That's just basic standard living expenses.\n\nComfortable retirement to them is covering your mortgage if you still have a mortgage, going out to have lunch once or twice a week, going to the movies a few times, having haircuts and things like that. So in all honesty, that's not very much when you consider the cost of living, fuel, food, electricity. Well, I think, yeah, we did have originally in one of them 6,000 each, and then in the other one, we had 3,000. Scott, I believe yours was 6,000 each originally. And then, Lisa, when I spoke to you, it was a 6,000 combined 3,000 from each.\n\nBut I'm happy to work on either. What goal would you like me to work for for you? Yeah. Absolutely. Yep.\n\nThat's absolutely fine. Let's aim for the stars. So yeah. Yeah. Correct.\n\nYeah. No. That is completely tax free. So once you retire and you know that time and phase, there is no income capital gains tax. Everything's tax free in that pension phase, which is kind of really nice after working for basically a lifetime.\n\nMhmm. Yep. Yeah. I can look at that for you. Absolutely.\n\nWhat are your average what's your average monthly expenditure? Yeah. Jointly. Yeah. What do you guys' average expenses every month say?\n\nMhmm. 4,700 per month. Beautiful. Yeah. Yeah.\n\nYeah. Absolutely. I think the main thing we're looking at that now is if, Lisa, you're wanting to drop your hours to 50%, it means dropping your income as well. So if we wanna look at what that means for your sleep or what your contributions look like going in, we wanna also make sure that if we tell you to do that, if we say it's possible, and it means, you know, putting in extra contributions to supplement, we wanna make sure that you're still able to cover your expenditure, the not eating too much of that away. So that's definitely sort of to factor in.\n\nWhen we income wise now so, Lisa, what's your income at the moment? Yeah. Growth. Both. If you can do growth if you want that I can work out.\n\nYep. $8.07 6. Yep. Beautiful. It's about the same.\n\n$5.01 $4.08 and 60¢. Beautiful. And per month. Excellent. Full time.\n\nYep. Okay. Perfect. So if you drop down to 50%, we'd assume 50% of your income, so it would drop by about 50%, say. Yep.\n\nThat's okay. Can I ask what's your what's your hourly rate, and how many hours would you expect to work? Because I can do the math manually Yeah. You're fine. Okay.\n\nLet's update that for you. Yeah. So so it's got you on 15 100 per week. No. You're right.\n\nAll good. 14 100. That's okay. That's alright. So net month net sorry.\n\nMonthly. Yep. Double. For monthly. That actually works out better.\n\nBeautiful. And that's your that's your current net in that per month. No. That's okay. You're right.\n\nNo. That's absolutely fine. And what's your hourly rate there, Lisa? Yes, please. Yeah.\n\n3611. Beautiful. And if you drop your hours to fifty so I'm assuming you work thirty eight hours a week at the moment or forty with breaks? Thirty eight. So half that.\n\nBeautiful. Just to confirm. I would like to double check and ask those questions just to make sure. Yep. Yep.\n\nThat's okay. Beautiful. So I'll work on that for you, work on the expenditure side of things. So, Scott, you may mention with your changes, you're only working 50% now. And so just to reconfirm the income, I said you said it was changed 1,400 per week or fortnight.\n\nIs that right? Yeah. Are you due to get a payslip fairly soon? Or Out of pay. Yep.\n\nThat's okay. Worst case, I could even just get used to email me each of you just a copy of your updated pay slip, and I can just go back and work out the math. That's not a problem at all. Beautiful. Don't worry.\n\nI've had shockers with computers today waiting for emails to go through and all sorts of dramas and technology is horrible. I'm good with old old fashioned pen and paper sometimes. Yep. That's okay. Easy.\n\nWhat worst case, we can always just get you to email a copy through. I'll probably get you do that anyway just so I have a reference point just when I'm kinda going through and doing the math. I can include that and just double check the numbers and everything. I don't wanna give you incorrect or false information, so we'll make sure that we do all the math correctly there for you. The you guys also sold the investment property last year.\n\nAll the proceeds of that, did that pay off the main primary residence? How did the how did that all go? Yep. Okay. Yes.\n\nMhmm. Mhmm. Mhmm. Yep. Yep.\n\nYes. Yep. That's okay. Now with the motor home, are you going to need to take out a loan or planning to take out a loan for that, or are you preferring to maybe buy out of cash with the money that you have left over? Yeah.\n\nMhmm. Yep. Okay. Correct. In all honesty, depending on what sort of a caravan you get, if it is older than normally, most same as most cars, you've got to kind of have a value, but most loans end up being unsecured.\n\nEven a secured personal loan for that sort of thing is pretty hefty at about between six to, you know, 12%. So, realistically, if you are going to get a try and get a loan, pull it off the mortgage, That way you are paying a much lower interest rate because mortgage rates are lower, and you don't have to go and get the loan again. The other side of that is responsible lending, and I can safely tell you that the AML has changed. So the AML is anti money laundering counterterrorism, and that's essentially looking at you as an identity because there has been so much in Canada in terrorism financing, everything happening with the terrorist side of things over the last couple of years. They've also had a lot of anti money laundering going on as well.\n\nThey've actually gone back and updated all of those sorts of legislations recently. And it means that whenever we, a bank, nowadays, even an accountant, a a lawyer, and a real estate agent now have to get your ID, confirm how funds are, where funds have come from, how they use the the AML side of things of getting your ID, improving who you are is a much bigger process on the other side of it. It's not as big a process for you guys to see, but it is a much bigger process on the other side of things. So there is a lot more to lending criterias that banks will have to go through to assess everything, which means the cost of that on the other side down the track, I reckon, will probably change. But, realistically, with where you are, you've already got that loan there.\n\nYou wouldn't have to go through the process of applying for loans, providing your bank statements, going back through the income assessments to get a personal loan, utilizing what you have. And because it's a a very a fixed sorry, a variable rate, and it's a home loan rate, you're technically paying a lower interest than what you would be if you were to get a personal loan. So this that side of things, I would probably look at this. Yeah. Yeah.\n\nYeah. Yeah. Yeah. The motor home. Yeah.\n\nHow sorry. How much were you wanting to maybe pull out for the for the motor home? What was the cost it's supposed to be? Yep. Yep.\n\nPerfect. Yep. Okay. So with the yeah. Absolutely.\n\nAnd so with the assets to sell, is that your shares that you had sitting there as well? Oh, right. Right. Right. Okay.\n\nRight. Okay. Okay. Yeah. Beautiful.\n\nSo the jet skis will go. Wow. And the and the trailer. No. That's okay.\n\nAll good. And the motor home, is it more of a caravan, or is it more of an actual motor home which you'll drive around? What sort of thing you're looking at for motor home? Yep. Beautiful.\n\nAre you gonna be looking to tow a car on the back end of that or just take it and go? No. That's okay. Nice. Nice.\n\nAll good. Alright. Well, let's just update the assets that we do have here at the moment. So now your main primary residence there, the last valuation we had on that was I had two different valuations. So, Scott, on yours, I had 1.5 mil, and the other one, I had 2.8 mil.\n\nHow much do you value the property at? How much would it be valued at for you? Yep. Did you want me to put 2 mil on it, 1.9? What do you are you comfortable with?\n\nTwo is fine. Yep. Fine? Yep. Absolutely.\n\nAll good. And then I've got the loan information here, so I'll just update that here as well. Beautiful. Offset's all covered. Other assets noted down that we had the motor vehicles.\n\nI had them noted as two motor vehicles. One of those, I believe, is a Tesla. Is that right? Yep. Lovely.\n\nHow much are you trying to sell it for? What sort of value you got on it? Yep. Beautiful. And that vehicle is owned completely outright.\n\nNo loans on it at all? Yep. Perfect. Excellent. So 55 there.\n\nI also have down here the BYD Shark with an asset value of 50,000. Do you still have that vehicle? Yep. Beautiful. Would you value it the same, or do you think you'd change that valuation?\n\n50 55, you said. Sorry. Is that right? Yep. Beautiful.\n\nExcellent. And no debt on that one completely outright as well? Okay. How much do we owe on that one? 43,000.\n\nExcellent. Beautiful. Let's pop that in there. Fantastic. And then we have the two jet skis, which will be sold down the track here.\n\nBut what sort of valuation would you put on both those jet skis currently? Mhmm. Yep. Beautiful. Lovely.\n\nAnd they're earned out. Right? There's no loans on those? Nope. Beautiful.\n\nAnd the 55 is for the two jet skis and the trailer as well? Yep. Beautiful. Yep. Beautiful.\n\nYeah. May as well. That's all good. Fantastic. Update that for you.\n\nSo I'm just updating both the fact lines individually because I have one for each of you, so just making sure it's all good across the board. Fantastic. I've got contents noted down here. So valuation of contents is about 282,500. Would you alter or change that valuation Yep.\n\nBeautiful. And the new vehicle there as well. What kind of car is it? Yep. C Line eight.\n\nBeautiful. And valuation of that vehicle? 70000. Beautiful. Excellent.\n\nAnd that's a yeah. All good. How much do you owe on that one? Yep. Yep.\n\nAll good. Beautiful. Okay. Yeah. That's it.\n\n1.89% there. And then the BYD Shark was 1.99 percent. Yep. Beautiful. They are really low interest rates.\n\nThat's fantastic. Almost unheard of. Yeah. Is that financed with the the car yard? Yeah.\n\nYep. It does sound absolutely. It does absolutely. But, no, that does sound like the car yard's interest rates, which is absolutely fine. Do you guys have balloons on those payments as well once they finish up, or is that completely paid down to nothing?\n\nNothing. Beautiful. No. All good. Fantastic.\n\nAnd you own both those cars in three years, or how often? Yep. Perfect. So two years. Yep.\n\nTo be owned. And then three for the BYDC line. Beautiful. Are they both electric cars? Hybrid.\n\nYeah. Yeah. Yeah. Absolutely. Yeah.\n\nNo. I've got a Hyundai and it's hybrid, and I love it. Driving an hour to work, it makes such a difference on fuel. It's easy to fill up. It drives most of the way electric, and it's just so much easier.\n\nIt works. It works. Fantastic. It's amazing, isn't it? Especially for us to feel all good.\n\nExcellent. Now the other thing to sort of look at so we've updated all your assets and liabilities there. Is there anything else asset or liability wise that we should probably update or note down as anything different to what we had or anything new? No. Not that one.\n\nSo the unit in Wollumburn, that's okay. Let's update that one. So that's a unit. What sort of value would you put on that one? Yeah.\n\nWow. Yep. Beautiful. And do you have a loan on that you've owned outright? Beautiful.\n\nYep. Okay. Perfect. Alright. Yep.\n\nYep. Beautiful. Yep. Beautiful. It's good as the canna for in the wheel.\n\nIs fantastic. They're fully owned, and your parents are living in it. Do they pay anything in rent or anything, or they're just living in it rent free? Beautiful. Yeah.\n\nYes. That's okay. That's absolutely fantastic. Beautiful. Fantastic.\n\nThank you for updating that. And, Scott, you still have shares with BHP. Do you still have those? You sort of mentioned that you are still having those purchased out of your wages every month or fortnight? Yep.\n\nBeautiful. Do you know how many shares you have or what the current value of those are? 80,000? Yeah. That's okay.\n\nOh, that's fantastic, isn't it? Yeah. 80 8,000? Beautiful. So that's the 80 eight thousand.\n\n80 thousand. Do you want me to rounded off to 80,000 knowing it could definitely change in the future. Yeah. That's Absolutely. Yeah.\n\nBeautiful. And with those shares, is the intention just to keep holding them until you need to sell them down the track maybe in retirement? Or yep. Yep. Yep.\n\nBeautiful. When we look at sort of those sorts of shares and things, realistically, selling them when you're younger, when you're still working, obviously, there's a CGT effect there for you. So if you can hold on to them and don't have to sell them until you get to retirement, then we can look at a way to sell them in retirement. So you're hopefully on a lower tax rate, which can affect make the CGT lesser, and also maybe selling them down in increments so that we can do it in proportions as well. So down the track when that comes, we can always help them look at that for you.\n\nOkay? Excellent. Beautiful. So I've got everything basically here. You mentioned, sorry, with the Willumburn unit.\n\nNow that isn't a will. There's no kind of what happens to that property when your parents pass away, and I'm sorry to sort of touch on that. Is the intention to then keep it and rent it out, or what sort of is meant to happen to that in the future? Yes. Yes.\n\nOkay. So possibility to sell in the future. That's a long time in the future. Your parents have a nice long life ahead of them. That's what we want.\n\nBeautiful. Yep. Yep. Yep. No.\n\nThat's okay. Not a problem at all. Excellent. Well, thank you for updating those. Now just sort of re going back to the estate planning side of things, last time we sort of touched base with both of you, both confirmed you had an upstate will and power of attorneys.\n\nDo those documents, have they been reviewed in the past? Are they still do do you know are they still reflective of your current circumstances? Do you feel like they need to be updated at all? Nope. Yes?\n\nBeautiful. No. Beautiful. I love that. Yeah.\n\nLovely. Yeah. Lovely. Excellent. All good.\n\nAnd now your daughter, she is is she older than 18 or under 18? How old is she? 28. Beautiful. Working nontax nonfinancial dependent.\n\nDo you guys still help her in any way? Independent? Lovely. Oh, beautiful. Rancho.\n\nExcellent. Do you have a boy, girl? No. No. So I'm quite not.\n\nI've got my eldest two, 19 and 20, and my youngest is 10, so we're not quite there yet. We had a third a few years apart. But he is honestly really cool. I kind of like the boy as well as having girls. It's a very different vibe.\n\nNo. That's beautiful. Yeah. How do you like being grandparents? I've always sort of thought, like, I'm sure that's coming up in the horizon for me, but how do you guys feel being grandparents?\n\nHow do you like it? What's the the vibe feel? I bet. Oh, you get to say yes. Oh, I love that.\n\nYou get to say yes all the time when mom would probably say no. Oh, that is absolutely beautiful. I love that. That's fantastic. And beneficiary wise, in the event of passing, am I correct in assuming that if anything happened to either of you that you just want each other to receive the super benefits and any life portions paid out.\n\nIs that correct? Yep. Beautiful. I know I had all of this in your last two advice documents, but because I'm doing it again, I'm gonna update all those aspects as well. So this will be a pretty big advice piece, but that's absolutely fine.\n\nIt'll touch base on everything we've gone through and just update all of your circumstances as well. Okay? It's yeah. Yeah. Absolutely.\n\nDefinitely. And that's the other thing I sorta wanted to touch base on was something I couldn't sorta touch base on before. So, obviously, with, Scott, you're and you're comfortable I just have to confirm, Scott, you're comfortable with me talking about your super. Are you happy with this? Yep.\n\nPerfect. Lisa, you're happy with me talking about your super balances and things? Yep. Perfect. Just wanna make sure I did the right thing by both.\n\nEssentially, with your super so, Scott, you're in Hub 24 at the moment. And one of the things, when we sort of did your advice, Lisa, we did recommend moving into Hub 24. One of the things I was not able to recommend at the time because I didn't have both of you there was linking your supers together. This is actually great because we can talk about that. Essentially, what we do, if I recommend it, I probably will because it works out better, but I will still do my due diligence and go back and reassess.\n\nBut in the back end, we can link your super accounts within Hub twenty four under what's called a family fee aggregation. That links everything in the back end, and that means whenever you guys log in to your Hub 24, you can see both of your supers sitting there. You'll see both of your super balances. You can cross between the two. But doing that gives you the benefit of lowering your admin fees in the back end.\n\nSo you get discounts on administration fees and things like that. It can actually reduce your fees, Scott, even more than what they have. And then, obviously, it helps to reduce leases fees as much as possible as well. Are you both comfortable with me doing that? Yep.\n\nBeautiful. There's another thing I do like to do when I'm talking to couples together as well, and I sort of initially plan to come back and talk to you about it as well. But we can also add what's called a third party ex sorry. Third an external third party authority. That essentially means that we put that on file for both of you.\n\nSo if something happens, it means that, Lisa, you can call and talk to us about Scott Cooper and get information and reports and things like that. But it also means, Scott, you can do that for laces. I like to kind of put that for because if one of you unwell in hospital or something's happening, it means that you can call and talk to us. You can't make changes on each other's behalf, but it does mean that we can sort of liaise with each of you, and it tends to work really well for couples. Would you like us to apply that to this to our file for each of you as well?\n\nYep. Beautiful. Lovely. I'll get those done up and sent through to you guys before we do the advice. So that way, we can have them set up on the file.\n\nThat way, in the meantime, if any of you have any questions or need anything, you can still liaise with us. The e t p a is on file and active for the each of you. Okay? Beautiful. Excellent.\n\nAs I kinda mentioned before, we do have a new there are new AML legislative requirements. So before providing the advice, now I do have to get a copy of your ID, Lisa. So I'm gonna send through a link, and so it looks like your ID on file has expired as well. So what I'm gonna do is I've gotta generate a link to send through to you both just to get an AML completed to get your ID done. I'll see if I can log in to this for you while I have you on the phone here because it's the first time I've actually used this.\n\nI do apologize. Beautiful. So this is just a secure way. So what we used to do is we used to just ask you via text message or email to provide a copy of your ID. Doing it this way is much more secure for you both.\n\nIt's essentially the system sends you an email link. It asks you to follow the prompt just to take, like, photos of your back in front of your ID and generally yourself as well. And this way, it's much more secure, so we're not getting anything via text message. This is all approved by the f triple a, so the Financial Planning Association of Australia in unison with ASIC. So it's much better for you to do it this way.\n\nI'm just gonna go in, sorry, and set it up because I have to prompt it to send through to you, and I've gotta answer a couple of questions to begin with. Sorry. It won't be two seconds. Just logging in. My computer's a little bit slow this afternoon.\n\nThere we go. Oh, it's not working. Sorry. It's still telling me there's an error. I had trouble I was logging into this yesterday to test it for you before I sent it through, but it's still causing a problem for me.\n\nCome on there. Alright. Still not working. Done. That's okay.\n\nIf it's okay, I will get this updated. There seems to be a problem with the login, and I think it's on the end of the the system. If it's okay, can I get Maddie to follow-up with you both just to kinda send that link out and get a copy of your ID organized through price, the advice being completed? Is that absolutely okay with either of you? Yep.\n\nFantastic. I'm so sorry about that. I love technology when it wants to work for us. All good. Now the other thing to have a chat about is the insurance side of things as well.\n\nSo in the original advice piece, so, Lisa, with your advice piece, you have your life, your TBD. I'll double check, and I'll get you to resend me an updated statement for your super funds with the updated balances and insurance side of things. But you had about a 106,000 in life and TBD within Brighter Super there, and we were recommending to retain your income protection through your employer because that was a fantastic policy. The main sort of reason for retaining the life and TPD was that you were comfortable with the amount of cover looking at your balance plus the life cover if anything had happened based on the loan that you still had owing that was gonna cover the mortgage side of things, and you were fairly happy with that. Do you feel like you wanna look at any additional insurances, insurances, or are you still happy with that 106,000 more focused on getting super balance increased?\n\nWhat's your thoughts? Still happy to keep it? Yep. Beautiful. Excellent.\n\nThat's okay. Excellent. That's okay. Excellent. And we'll still look to retain the income protection policy.\n\nThat was actually a really fantastic policy. I really enjoyed researching that one. That policy, even when you drop your hours, there should be no change. That policy, that will still stay in place as it is. Do you know if there's any changes that would be expected with that income protection policy aside from the amount they would pay?\n\nNo. That's okay. Should say beautiful. I still have the PDF documents, though. I'll still just run through just to make sure that everything is still okay if you drop your hours there.\n\nThe other thing we did talk about initially was trauma. So trauma, if you decide to take on trauma, isn't more of an out of pocket expense. Unlike life, PPD, income protection, you can't hold trauma inside super. Trauma tends to pay out a lump sum tax free benefit in the event that you'll stay diagnosed with, say, Parkinson's, MS, or neurological conditions. Cancer's a big one.\n\nAlso, heart attacks and strokes tend to pay out as well. Did you wanna look at getting a level of trauma to cover you in the event of something major occurring, or are you happy just to keep the covers you have not worry about trauma? How do you feel there, Lisa? You don't. I'll pull up yours.\n\nSorry. Two seconds. I'll just pull it up. I do have your policy here. I'm pretty sure you don't.\n\nI'm pretty sure you just have the license EPD and some income protection. Scott Yes. It's got yours. It's with Zurich, and you've got 300 and sorry. 525,000 of life and TBD, and then you've got income protection as well.\n\nYeah. Yeah. No. That's okay. All good.\n\nHappy with not having it, Scott. Easy. Income wise, your income protection was based on, obviously, your last income. You've dropped your hours pretty significantly there. Did you want me to review the level of income protection and maybe look to reduce that back if it's if if you're a bit over insured at the moment?\n\nYep. Yeah. Absolutely. I mean, with your life, TPD, and income protection, they're all paid out of super, which is a benefit because it means that you don't have to pay those premiums out of your back pocket. However, because they are paid out of super, it does mean that it does have an effect.\n\nThat does lower the amount of super we'd expect you to end up in retirement. And all insurance premiums tend to get more expensive as you get older. So these will continue to get more expensive, which has a greater effect. So we will definitely wanna make sure we review them with you and try to reduce them back as you no longer need that level of cover. Because I have seen people in their, you know, fifties and sixties who are paying phenomenal premiums.\n\nI'm talking, like, $10.15, $20,000 in premiums. So we just wanna make sure that you guys are not having all your super easy way. Yeah. Correct. Correct.\n\nWell, let's have a look at that. Yes. So yeah. Correct. Correct.\n\nYeah. Correct. So let's have a look at your super balance and see where that's up to. So given that your mortgage is basically fully off offset, even if you do, say, take a bit of money out, you said you'd probably take about 100,000 out of that for the the purchase of the caravan or the the motor home. Yeah.\n\nSo just looking at things, that realistically means in the event of, say, you passing away, in order to be debt free, it'd be looking to pay off that portion of the mortgage that you do use, but then also the car loans if it's within that time frame. So yeah. I'm just logging in to HubSpot real quick. Yeah. Absolutely.\n\nAbsolutely. And it comes down to your goal there. So when you look at your super balance at the moment, your balance as of today's date, you've got 699,532. So when we sort of look at this, if you were to pass away today and say, at the moment, your mortgage is fully offset, so you don't have to worry about paying that back. But then looking at the other debts that you do have, you've essentially just got the two car loans.\n\nSo 43 thousand and 70. So it's about a 113,000 that would have to be paid off in debt. So $6.99 $5.03 2 minus a 113 essentially means with your super balance paid at as your life benefit. This is not factoring in any additional life insurance. It means that Lisa could then receive $586,005.32 plus you guys being fully debt free there.\n\nRealistically, do you yeah. Do you feel like that's enough? Do you feel like having a bit of life cover on top of that would provide more benefit? How do you feel about that sort of stuff? You just Yes.\n\nYes. Yeah. At the moment, based on the last valuation I have of your premium, it was 3,795 deducted from super for the insurance costs. I mean, if you wanted to, I could look at even just halving the insurances to start with, and we maybe drop it to 250,000 to give you a base level of cover, and then we could always look to reduce it back. That would sort of mean that in the event of passing, if you had $2.50 and factoring in the fact that you wanna get that camper as well, so then say it would replace the 100,000 as a max on the loan if you redraw that off, plus the 113,000.\n\nThat's $2.63. So the $2.50 would cover all your debts essentially. 10 yeah. There's, like, just a 13,000 left over to maybe come out of your super to benefit, but then it means that all of the super can be paid to Lisa as a benefit to sort of help her along. She can, you know, put it aside, invest, whatever she wants to do.\n\nThe money also paid as a death benefit doesn't have to be paid as a lump sum. So the way death benefits work is if you were to pass away, we help with the claim, but then you get the choice of taking the money out solely as a lump sum benefit, or it can stay in the super system, and it goes into a a death benefit for you as a pension. And you can be drawing that money out of the pension on a regular basis as regular income and keep it invested. So if one of you would have passed away, that's how your super benefit can be paid. You get options on how you wanna do it, and we will help provide advice on how, obviously, to help keep it invested your income, or you can just take it as a lump sum.\n\nIt's completely up to you. But that's generally how they work. Yeah. Yes. Mhmm.\n\nYep. Yep. That's okay. Yep. Yep.\n\nI can look at both if you like. What I could do to assess it is I can look at halving it. Because at the moment, because your income protection is together, you get the multi policy discount. So I'll look at halving the policy to $2.50, but then I'll also look at canceling it. If it makes your income protection more expensive because it can, I'll keep the there.\n\nIf I assess everything and it's better to cancel a life and TPD, the income protection doesn't go up as crazy, and this also helps your super balance projected forward, then I can always look to cancel it and justify that for you. Does that sound okay? Yep. Beautiful. I'll assess both options and let you know how we how it looks in the advice document.\n\nWhat I'll do in the advice document, I'll put down what I'm recommending we do, how and why the risks, disadvantages, as advantages as well. And then in the appendix, I can put the other alternative for you so you can see the difference. Does that sound okay? Yep. Fantastic.\n\nBeautiful. And, Lisa, you may mention you're happy with the life and TPD, the the amount you have within Brighter Super because you've also got your q super defined benefits still, and that does pay out a lump sum. Or it pays that either a lump sum or an income stream in the event of your passing. And that can definitely go to Scott there as well. So your super balance is pretty pretty nice between the two, and that defined benefit is beautiful as well.\n\nAre you happy just for that life and t TPD amount? Yep. Beautiful. Having a look the last advice piece we had just with the balances, and they definitely could have changed since then. So I will get some updated statements if that's okay just with the amounts as well as the insurance benefit amounts.\n\nBut the amount we had within Brighter Super at the time of the last device was about $481,007.91. And then in that sorry. You're right. Beautiful. And the q super balance was quite nice as well.\n\nBut do you know what the what that would have indexed to or increased to since that's okay. We had one forty two six seven four in there last time. And 41¢. Beautiful. That's indexed quite nicely.\n\nThat's fantastic. Love that. Beautiful. It is absolutely so both of those combined. Yeah.\n\nSo with the defined benefit, that essentially is as we recommended before, I will not change or move that in any way. It will just stay where it is for the time being. But as things change as you get older and we're able to look at moving it, we'll assess whether keeping it there or moving it and combining it works better for you and look at, you know, how that affects your super. But for the moment, keeping that exactly where it is, that is a beautiful super fund. I do love myself a good defined benefit.\n\nI do wish they had them. I asked my boss to set one up, and he told me no. But they they are a really beautiful super fund. Yes. Absolutely.\n\nAnd even between even between 55 and 60, there are often tax consequences as well. So we can assess that at 55 and to see what the consequences look like and see we can get projected outcomes on or quotes on what it looks like if we transfer it across. But then we can also get that done at 60 to see what the difference is to make sure that you get the most of that benefit amount. Okay. Excellent.\n\nBeautiful. Lovely. So just to kinda recap, I'll look at the supers. Scott, we have just made changes to your investments as well. They are doing very, very nicely, actually.\n\nSo I'm also just gonna give you an update on the performance since we did that because that was a few months ago now. So looking back sorry. It's just loading the report for me. Still loading. Sorry.\n\nGoodness. It is Oh goodness. This is taking a long time to load. Definitely shouldn't be taking that long. That's loading.\n\nSo I'll let it load for a minute. Hub 24 is feeling a little bit slow this afternoon. That's okay. While that is loading, I'll just sort of go through your risk profiles as well. So I don't wanna go through the 14 questions there with you, Lisa, and make you answer all those again.\n\nBut, essentially, just wanted to kinda reclarify that they are comfortable for you and give you the information on how they work, what the risk profile all asset allocations are, and talk about the appropriateness of them for you both. So, Scott, you're in that growth environment. Lisa, I'm pretty sure you scored the same. I'm just double checking. Yes.\n\nYou did. Yeah. So the growth environment suits someone who is wanting to access their super no earlier than six years to someone who's wanting to keep their funds invested for six years or longer. So it does suit the time horizon that you both definitely have. It normally sees about 80% of your super invested in growth assets.\n\nSo think about things like Australian shares, international shares, listed property, and also commodities, and then the other 20% in lower risk defensive investments like cash, bonds, and fixed interest. If you consider the risk level out of, say, five, five being the highest risk level, all money in those high risk assets, one being the lowest that's sitting all in cash, you're sitting at about a three. So you're kind of in that middle range there. The growth portfolio generally expects the likelihood of a negative return, say, one in every five years. The expected returns that you're sort of wanting to achieve on a yearly basis, compound and forward, is between seven to 9%.\n\nSo anything under that 7% for the year, the portfolio has underperformed. If we are getting those sorts of lower returns, we wanna make sure that the market as a whole has also been down. That way, it sort of shows that the return being lower is because of market reactions, not because portfolio hasn't performed. If that's the case, it means that there's something wrong with the portfolio, not the market as a whole. And then anything over 9% is essentially an overperformance there.\n\nA lot of the portfolios do get more than 9%. Overperformance there. A lot of the portfolios do get more than 9% or have averaged more than 9%, and we wanna aim for the best possible return. But we sort of look at the seven to 9% as an average of what you should be able to achieve in that risk profile given the risk you are taking and the type of asset allocation that you have. Does that make sense?\n\nDo you have any questions? Do you both feel comfortable in that sort of Absolutely. Yes. Absolutely. And, normally, because of with this risk profile, it does fit a six year time horizon.\n\nI normally would not want you to be in this for any longer than you need to be. So when you do get about sort of six years out, we do wanna look at maybe reducing the risk level a bit for you guys, and we start to reduce it in increments. So we step down generally in 10% increments. That way, it's not a drastic change to your risk level, your portfolio, but it steps you down in increments towards being lower risk towards your comfort level at that retirement age. Does that make sense?\n\nYep. Beautiful. Are you both fairly comfortable looking at the growth portfolio? You're welcome to let me know if you're not. You're welcome to ask any additional questions if you have them.\n\nYep. That's okay. You're comfortable in that environment there, Lisa, still? Yep. Beautiful.\n\nAll good. Hub 24 just timed out on me, so I'm just gonna redo that portfolio for for you so that that hopefully it loads. Here we go. This one loaded faster. Alright.\n\nSo having a look at things, since we did make the changes that Scott looking at the last three months, your portfolio wow. Your portfolio has made a return of 7.50% after fees. That is in three months. Yeah. Yeah.\n\nThat essentially shows so when we look at the the returns, we're looking at growth plus income, and it's generated growth plus income in the last three months of 50,523. So it is a good return. Good to see. Good yeah. And, look, honestly, I don't expect us to do that every year.\n\nWe made the changes in the portfolio. That's had a really good effect, and I'm pretty stunned that that return is in a three month period. Normally, in a three month period, you don't see more than, say, one, two, or maybe 3%. But as your balance increases, smaller changes to your portfolio make bigger bigger returns, and smaller changes have a bigger effect on your super. So that is a really great change.\n\nReally happy with that, and it does show you the newer portfolio is working better for you as well. So that is really good. Yeah. Excellent. All good.\n\nSo just to kind of reiterate around the advice scenario, we're scoping in and looking at super for you both, making sure that's got your super and the portfolio is working forward well, looking at your new current yeah. Looking at your new current income. And are you still wanting me to factor in additional contributions if they need to be made to cover? Yep. Cool.\n\nYep. Yep. Yep. Yep. Lovely.\n\nYep. That's okay. Did you want me to include that as, say, salary sacrifice, or did you wanna sort of hold off until the end of the financial year and do it as a lump sum? What would you sort of what are you comfortable with? Honestly, salary sacrifice works out better because you're putting more more amounts in on a regular basis.\n\nCorrect. And then you dollar cost averaging. That provides a much greater effect long term. If you're comfortable with that, that's what we'll look at for you. Yep.\n\nBeautiful. Yeah. Absolutely. Fantastic. I'll assess what you have to cover the cap.\n\nI do sometimes, depending on discrepancies with income, I do tend to maybe leave, like, a 1 or $2,000 gap depending on what it is. Correct. But I'll just make sure that we sort of factor that in for you and show you what that looks like. Excellent. Lisa, so with yours, again, looking at your super with your rider super, we'll definitely have to retain the Qsu, but I'll factor that into the advice there for you the same as I did last time.\n\nLast time, we did look at the SMA. I might even just look at that again if that's okay for the investments, but I'll also look at the same sort of investment portfolio that Scott is in because that might actually provide a greater benefit to you. Are you comfortable with that? Yep. Beautiful.\n\nAnd you want me to look at your income to determine if you're able to drop back to 50% hours as well, cover expenses for the two of you, and also look at whether you're able to then cover contribution gaps and build super towards your time. Am I on the right track? Do I have that correct? Yep. Yep.\n\nYep. And still live. I love that. I love it. No.\n\nAll good. Excellent. With the insurance side of things, Scott, I'll look at yours, what you have now, look at your income protection, factor into your income, and work out whether we need to reduce the rate so that you have the maximum benefit, that you're not over insured and not overpaying for the income protection side of things. I'll also look at the life and TBD, look at halving the level and also canceling, look at what that does projected outcome as well as, cost of your insurances, and look at whether we can just reduce the half or get rid of completely. But, realistically, if anything was to happen, goal wise insurances, you're both just wanting to make sure any debts that you have that's factoring in the 100,000 taken off the loan for the purchase of the motor home as well as your current vehicle loans is covered, and then funds are provided to your to your spouse as a benefit.\n\nIs that right? Am I on the track? Did you wanna add anything to that goal at all? Nope. That's okay.\n\nExcellent. Beautiful. We're not looking at trauma. And, Lisa, for your insurance, as you're happy with the amount you have in Brighter Super, just looking at trying to transfer that over where possible, and then also just making sure everything's projected forward. Your super is correct.\n\nLink everything in the back end to lower fees as much as possible as well and retain your q super. You'd happy to retain your income protection with your employer there as well, and no trauma for each of you. Does that sound right? Yep. Beautiful.\n\nFantastic. We're happy to stay in a growth portfolio environment for the time being, looking at the best way to move things forward, salary sacrifice for both of you there, and then beneficiaries, making sure that everything is directed to each other in the event of passing prematurely. Is that correct? Yep. Beautiful.\n\nExcellent. Is there anything else that I might have missed that you might want me to factor in for you? Okay. We'll need to update that for you. Then Easy.\n\nNot a problem at all. What we will do is I'll factor that into the device. We'll have your name updated. It's not a problem at all. As part of the implementation process, we'll just get a copy of your marriage certificate.\n\nWe'll do the ID side of things, and we'll get the forms sorted and over to them so we can help you change the name prior to, transferring any funds over to hub twenty four, but we can help you with that process. That's not a problem at all. Okay? Excellent. Yep.\n\nYep. Abs absolutely all good. Just with the fee structure now, it is exactly implementation fee for yourself, Lisa, was $4.09 $5.00. That is deducted out of your super at the initial role over there. Scott, you're already a client, so there's no implementation fee for your side of the advice.\n\nAnd then the ongoing service fee for the first year is 1.10%. We obviously do reviews with you and then, you know, go through the fee structure each year. If there's any changes down the track, I'll talk you through that before we agree to anything. But it's 1.10 for you as the couple fee currently. And then once you come on board, Scott also gets reduced from the 1.65.\n\nDoes that make sense? Do you have any questions currently? No. Fantastic. Excellent.\n\nAnd what I'll do is I'll get Maddie to update to go in and help me with the the ID side of things. Yep. We'll get that link. She might just need to call you to get the information from your Lisa for the ID link to send out, but we'll try and work on that hopefully tomorrow. And I'll see if Maddie can give you a hand with that one.\n\nWe'll see if we can log in to it okay. Excellent. Is there any additional questions or anything that you guys think I might have missed or anything else that you need to bring up or any questions that have come out of any of that? Fantastic. And what I'll do is I'll also just send you an email.\n\nIf you can send me, Lisa, a copy of your super statements for your Brighter Super, your QSuper showing the balances, and also the insurances for Brighter Super. And if I can get both of you just to send me a copy of your most recent payslip as well, I just need all of that to be able to go forward and do the research and just double check all the figures and make sure everything marries up for you both. Okay? Okay. It they're both exactly the same.\n\nJust the most recent one you've got will be absolutely fine. Yes. Don't want you to have to go in and yeah. Yep. Yep.\n\nBeautiful. That's absolutely perfect. I'll send the absolutely perfect. I'll send the email now so you can shoot those back whenever you got a second. We'll get cracking on the research there for you.\n\nI do kind of expect it to take me about four weeks to complete the research correctly. I'd love to book you both in now so we have that time slot set. So in four weeks, we are at oh, yep. August already, nearly. One, two, three, four.\n\nThat brings us to the first week of September. I am fully open that week. What day would suit you both to go through the advice piece together? Yep. I actually work late till 7PM on a Thursday.\n\nWould you like me to book it for then? Yep. Beautiful. And would you prefer four, 04:30, 05:00, 05:30? What time suits you best in the afternoon to go through it together?\n\nYep. Absolutely. Fantastic. So I'll book it in for 5PM there for you. That is Thursday, September 3, and I will make sure everything is up to date and completed by then.\n\nThe only other thing, just to sort of reconfirm for you, Lisa, is just the pre assessment that we did. Just need to run through a couple of questions with regards to transfer terms as the cover just to make sure that we've done all of that correctly research wise. And before I do go through those questions, I have to read you a Sorry, guys. I'm nearly done. I promise.\n\nSo alright. So I've got the pre assessment questions here in front of you. I just gotta read the duty of disclosure. So just because these questions will also factor into the application side of things. I know Maddie would have gone through them with you last time, but this is just sort of updating to make sure there's no changes to your circumstances there.\n\nBut with the duty of disclosure and reasonable care. So it says when applying for insurance, it is important that you answer the following questions. To the best of your knowledge, as the applicant, you have a legal duty to take reasonable care not to make a misrepresentation to the insurer before the contract of insurance is entered into. If this duty is not met, it can have a serious impact on your insurances such as your policy may be voided, or the terms of your contract may be changed, declined, or the benefit reduced. More information about the duty to take reasonable care can be found in the product disclosure statement, which I will provide with the advice document for you.\n\nI can also attach to the email shortly if you'd like a copy prior. Do you understand your duty of reasonable care? Yep. Beautiful. And privacy policy, when we get to the application side, do you consent to us providing your and collecting your personal information for the use of applying for insurances or transferring insurances in accordance with the insurance privacy policy?\n\nYep. Beautiful. Excellent. Now the questions for this are nice and simple ones. It says, are you currently off work or unable to perform your normal full time duties of your occupation on a full time basis?\n\nSo no your normal duties. No. Beautiful. Excellent. The next one here is, have you in the last twelve months been absent from work or unable to perform your duties of your usual occupation or been unable to perform any domestic duties, anything other than being off work for, say, six days with a cold or a flu?\n\nNo. Fantastic. The next one here says, have you been diagnosed with or do you suffer from an illness that may cause inability to work, or have you been diagnosed with a terminal illness? No. Fantastic.\n\nHave you ever had an insurance application for death, death and TBD, terminal illness, or income protection, or accident and sickness ever refused? No. Fantastic. Have you ever been paid, or are you eligible to be paid, or are you currently in the process of submitting a claim for any illness or injury through the workers' compensation fund, government benefits, or any insurance policy providing terminal illness, TBD, income protection, or accident or sickness cover? No.\n\nIt's beautiful. And have you ever had an insurance application for death death and total permanent disability, income protection, terminal illness cover modified or offered on nonstandard terms. No. Beautiful. Thank you so much for that.\n\nSo sorry. Those are very wordy. They're small questions, but they're very wordy. I love it. Thank you so much for that.\n\nThat's the only part of the pre assess beautiful. That's the only part of the pre assessment we need to essentially look at for you. Now I'm just confirming. So you currently work a thirty eight hour week. If we drop that to half, you'd be working about nineteen hours per week.\n\nBeautiful. That's the only other thing I'll double check with the insurer and the terms is making sure that that many hours is fine. It shouldn't be a problem because it's only life and TPD that we're transferring. It doesn't have income protection effects, so that's okay. That is honestly everything I need at the moment.\n\nIf I do have any additional questions, I will make sure I contact you. But thank you so much for your time. I'm sorry. It's been a long call. Just want to make sure we touch on everything for you guys, and I'll get this advice document ready.\n\nI'll send you the email shortly, and Maddie will follow-up there with the the ID checks for you both. Okay? Easy. Thank you so much. I'll let you go to enjoy your dinner.\n\nSorry about the time. Thank you so much for your time. I really appreciate it. Have a good night. Thank you.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":13.759999,"end":13.965,"sentiment":"neutral","sentiment_score":0.10207577049732208},{"text":"Good afternoon, Scott.","start":14.045,"end":14.845,"sentiment":"neutral","sentiment_score":0.2571992476781209},{"text":"This is Dana from Okey Financial.","start":14.845,"end":16.385,"sentiment":"neutral","sentiment_score":0.16444335132837296},{"text":"Can you hear me at all?","start":16.445,"end":17.665,"sentiment":"neutral","sentiment_score":0.06915752651790778},{"text":"Oh, I have.","start":19.325,"end":23.485,"sentiment":"neutral","sentiment_score":-0.014158185571432114}],"sentiment":"neutral","sentiment_score":0.11751601178395121,"num_words":19,"start":13.759999,"end":23.485},{"sentences":[{"text":"Yes.","start":23.485,"end":23.885,"sentiment":"neutral","sentiment_score":0.03126010298728943},{"text":"So sorry.","start":23.885,"end":24.605,"sentiment":"neutral","sentiment_score":-0.08579546771943569},{"text":"There was, like, there was nothing there.","start":24.605,"end":26.205,"sentiment":"neutral","sentiment_score":-0.17617101967334747},{"text":"I do apologize about that.","start":26.205,"end":27.904999,"sentiment":"neutral","sentiment_score":-0.08939636945724487},{"text":"Yeah.","start":33.420002,"end":33.920002,"sentiment":"neutral","sentiment_score":-0.029540324583649635}],"sentiment":"neutral","sentiment_score":-0.11562813387718052,"num_words":16,"start":23.485,"end":33.920002},{"sentences":[{"text":"No.","start":34.38,"end":34.620003,"sentiment":"neutral","sentiment_score":-0.1076326072216034},{"text":"That's okay.","start":34.620003,"end":35.260002,"sentiment":"neutral","sentiment_score":-0.031974068842828274},{"text":"I did just leave a message on the phone.","start":35.260002,"end":37.1,"sentiment":"neutral","sentiment_score":-0.05177153439985381},{"text":"It it sort of didn't really ring.","start":37.1,"end":38.7,"sentiment":"neutral","sentiment_score":-0.17665457938398635},{"text":"It kind of rang once and then went straight through to voice mail.","start":38.7,"end":42.14,"sentiment":"neutral","sentiment_score":-0.12501888263684052}],"sentiment":"neutral","sentiment_score":-0.10935475263977423,"num_words":32,"start":34.38,"end":42.14},{"sentences":[{"text":"So I'm so sorry about that.","start":42.14,"end":43.845,"sentiment":"neutral","sentiment_score":-0.18382721518476805},{"text":"I thought I'd try your number as well because you're probably sitting there waiting for me.","start":43.845,"end":47.365,"sentiment":"neutral","sentiment_score":-0.030363417929038405},{"text":"Sorry.","start":47.365,"end":47.865,"sentiment":"neutral","sentiment_score":-0.05115414410829544},{"text":"How are you, Lisa?","start":51.285,"end":52.485,"sentiment":"neutral","sentiment_score":0.07927021756768227},{"text":"I'm so sorry about yesterday.","start":52.485,"end":54.025,"sentiment":"neutral","sentiment_score":-0.13010731860995292}],"sentiment":"neutral","sentiment_score":-0.061668370151892304,"num_words":32,"start":42.14,"end":54.025},{"sentences":[{"text":"I do honestly apologize about having to push that one back and or reschedule.","start":54.085,"end":58.22,"sentiment":"neutral","sentiment_score":-0.20730774423905782},{"text":"But she's okay.","start":60.76,"end":61.72,"sentiment":"neutral","sentiment_score":0.051059881846110024},{"text":"It is all sorted.","start":61.72,"end":62.76,"sentiment":"neutral","sentiment_score":0.12569262459874153},{"text":"It wasn't serious.","start":62.76,"end":63.9,"sentiment":"neutral","sentiment_score":-0.1267771820227305},{"text":"Thank god.","start":64.04,"end":64.68,"sentiment":"neutral","sentiment_score":-0.14992030709981918}],"sentiment":"neutral","sentiment_score":-0.11255886291082089,"num_words":26,"start":54.085,"end":64.68},{"sentences":[{"text":"But she was really, really stressed out and beside herself.","start":64.68,"end":68.86,"sentiment":"negative","sentiment_score":-0.4206743448972702},{"text":"Essentially, where I am located in Benora Point, she was turning to go into Woolies, and a car sort of went past the side flight.","start":69.634995,"end":76.755,"sentiment":"neutral","sentiment_score":-0.1549820578098297},{"text":"So he wanted to go in there as well.","start":76.755,"end":78.774994,"sentiment":"neutral","sentiment_score":-0.14880522257751888},{"text":"And so it kind of hit the front of her car.","start":79.475,"end":81.475,"sentiment":"negative","sentiment_score":-0.36007547784935345},{"text":"It has caused a bit of damage.","start":81.475,"end":83.07,"sentiment":"negative","sentiment_score":-0.423158986227853}],"sentiment":"neutral","sentiment_score":-0.26360459769925765,"num_words":62,"start":64.68,"end":83.07},{"sentences":[{"text":"He's at fault.","start":83.07,"end":84.13,"sentiment":"neutral","sentiment_score":-0.2715245982011159},{"text":"But, yeah, she she sent me a photo, and my husband rang me going, are you okay?","start":84.909996,"end":88.99,"sentiment":"neutral","sentiment_score":-0.06617284062154152},{"text":"Like, can I talk to you?","start":88.99,"end":89.869995,"sentiment":"neutral","sentiment_score":-0.059134555980563164},{"text":"And I was like, oh my god.","start":89.869995,"end":90.909996,"sentiment":"neutral","sentiment_score":-0.19773133524826594},{"text":"What's happening?","start":90.909996,"end":91.47,"sentiment":"neutral","sentiment_score":-0.20177925378084183}],"sentiment":"neutral","sentiment_score":-0.11662849358149938,"num_words":35,"start":83.07,"end":91.47},{"sentences":[{"text":"She's been in an accident.","start":91.47,"end":92.509995,"sentiment":"negative","sentiment_score":-0.43883997797966},{"text":"She's freaking out.","start":92.509995,"end":93.149994,"sentiment":"negative","sentiment_score":-0.5134310324986776},{"text":"I was like, oh my god.","start":93.149994,"end":94.03,"sentiment":"neutral","sentiment_score":-0.2306423286596934},{"text":"So I had get the insurance information and get all that sorted for them.","start":94.03,"end":97.285,"sentiment":"neutral","sentiment_score":-0.13194868394306727},{"text":"So he ended up taking over it because he was down there, which was great.","start":97.285,"end":101.845,"sentiment":"neutral","sentiment_score":0.07175980086127917}],"sentiment":"neutral","sentiment_score":-0.1369588725961918,"num_words":43,"start":91.47,"end":101.845},{"sentences":[{"text":"I'm an hour away from home at work.","start":101.845,"end":104.645004,"sentiment":"neutral","sentiment_score":-0.06355987675487995},{"text":"So, yeah, it we got it sorted.","start":104.645004,"end":107.285,"sentiment":"neutral","sentiment_score":0.13939070754817554},{"text":"She's okay.","start":107.285,"end":108.085,"sentiment":"positive","sentiment_score":0.3673163801431656},{"text":"I went around last night and checked on her as well, and she's good.","start":108.085,"end":110.93,"sentiment":"positive","sentiment_score":0.47138264775276184},{"text":"It was just the initial, oh my god.","start":110.93,"end":112.53,"sentiment":"neutral","sentiment_score":0.06417285389034078}],"sentiment":"neutral","sentiment_score":0.21319560509604904,"num_words":39,"start":101.845,"end":112.53},{"sentences":[{"text":"And she's only 19.","start":112.53,"end":113.729996,"sentiment":"neutral","sentiment_score":-0.011397997615858912},{"text":"She's got her pay plates, and she's just like, what do I do?","start":113.729996,"end":116.71,"sentiment":"neutral","sentiment_score":-0.03912395238876343},{"text":"How do I deal with this?","start":116.92999,"end":118.229996,"sentiment":"neutral","sentiment_score":-0.03571639768779278},{"text":"So a bit scary for them, unfortunately, but she's good.","start":119.09,"end":122.53,"sentiment":"neutral","sentiment_score":-0.018265075981616974},{"text":"But thank you so much for asking.","start":122.53,"end":124.135,"sentiment":"neutral","sentiment_score":0.3233232317226274}],"sentiment":"neutral","sentiment_score":0.03280275261495262,"num_words":40,"start":112.53,"end":124.135},{"sentences":[{"text":"And, again, I'm very sorry.","start":124.135,"end":125.575,"sentiment":"neutral","sentiment_score":-0.09541480801999569},{"text":"The last thing I wanted was to reschedule your appointment.","start":125.575,"end":128.155,"sentiment":"neutral","sentiment_score":-0.11096744164824486},{"text":"So All good.","start":128.295,"end":132.475,"sentiment":"neutral","sentiment_score":0.19767624760667482},{"text":"I'm so glad.","start":133.815,"end":134.875,"sentiment":"positive","sentiment_score":0.5964441100756327},{"text":"All good.","start":135.495,"end":135.895,"sentiment":"positive","sentiment_score":0.43810074031352997}],"sentiment":"neutral","sentiment_score":0.07268756943876328,"num_words":23,"start":124.135,"end":135.895},{"sentences":[{"text":"Well, let's have a bit of a look at things for you both.","start":135.895,"end":138.31,"sentiment":"neutral","sentiment_score":0.12825293151231912},{"text":"So just before I jump into the call, I do need to let you both know we do record our calls for quality and training purposes.","start":138.62999,"end":144.17,"sentiment":"neutral","sentiment_score":0.07042110066574353},{"text":"Are you both happy for us to proceed with that?","start":144.23,"end":146.81,"sentiment":"neutral","sentiment_score":0.12383937016129494},{"text":"Yep.","start":148.62999,"end":149.12999,"sentiment":"neutral","sentiment_score":0.23954451084136963},{"text":"Fantastic.","start":150.88501,"end":151.04501,"sentiment":"positive","sentiment_score":0.5130826234817505}],"sentiment":"neutral","sentiment_score":0.10763250123344216,"num_words":51,"start":135.895,"end":151.04501},{"sentences":[{"text":"Essentially so we had done the advice for you.","start":151.04501,"end":153.285,"sentiment":"neutral","sentiment_score":0.2345461000998815},{"text":"I know, Scott, we had gone through your advice case earlier, and now your circumstances have changed.","start":153.285,"end":158.005,"sentiment":"neutral","sentiment_score":0.1038882662268246},{"text":"So you've dropped some hours, and things have changed a lot for you.","start":158.005,"end":161.205,"sentiment":"neutral","sentiment_score":0.08023171012218182},{"text":"How's everything been going?","start":161.205,"end":163.07,"sentiment":"neutral","sentiment_score":0.06638258416205645},{"text":"Yeah.","start":164.65001,"end":165.15001,"sentiment":"neutral","sentiment_score":0.035875506699085236}],"sentiment":"neutral","sentiment_score":0.1186689432202415,"num_words":44,"start":151.04501,"end":165.15001},{"sentences":[{"text":"You enjoy that?","start":168.01001,"end":169.23001,"sentiment":"neutral","sentiment_score":0.17053690056006113},{"text":"That's good.","start":169.53001,"end":170.35,"sentiment":"positive","sentiment_score":0.3383711725473404},{"text":"That's fantastic.","start":171.21,"end":172.11,"sentiment":"positive","sentiment_score":0.5436916649341583},{"text":"And, Lisa, we just wanted to kinda update and do a new advice case for the both of you.","start":172.57,"end":176.81001,"sentiment":"neutral","sentiment_score":0.18231704517414696},{"text":"Is that correct incorporating your full circumstances looking forward at the retirement aspect and just incorporating everything into that?","start":176.81001,"end":183.735,"sentiment":"neutral","sentiment_score":0.14404484276708804}],"sentiment":"neutral","sentiment_score":0.18836916105614768,"num_words":45,"start":168.01001,"end":183.735},{"sentences":[{"text":"Does that sound right?","start":183.735,"end":184.875,"sentiment":"neutral","sentiment_score":0.07867170125246048},{"text":"Yep.","start":186.535,"end":187.035,"sentiment":"neutral","sentiment_score":0.008218012750148773},{"text":"Okay.","start":190.935,"end":191.435,"sentiment":"neutral","sentiment_score":0.029084015637636185},{"text":"Consider 50 percent work.","start":191.89499,"end":193.52,"sentiment":"neutral","sentiment_score":0.04537550173699856},{"text":"Yep.","start":195.26001,"end":195.76001,"sentiment":"neutral","sentiment_score":0.0004018762556370348}],"sentiment":"neutral","sentiment_score":0.04853570150920528,"num_words":11,"start":183.735,"end":195.76001},{"sentences":[{"text":"Okay.","start":197.02,"end":197.52,"sentiment":"neutral","sentiment_score":0.03329627960920334},{"text":"No worries at all.","start":199.58,"end":200.94,"sentiment":"neutral","sentiment_score":0.040000369772315025},{"text":"Okay.","start":200.94,"end":201.26001,"sentiment":"neutral","sentiment_score":0.05801589414477348},{"text":"Well, let's go through and update all of your circumstances.","start":201.26001,"end":203.68001,"sentiment":"neutral","sentiment_score":0.06670675501227379},{"text":"Now retirement goal wise, are we still wanting the same?","start":204.22,"end":209.435,"sentiment":"neutral","sentiment_score":0.03598333485424519}],"sentiment":"neutral","sentiment_score":0.049162098134939484,"num_words":26,"start":197.02,"end":209.435},{"sentences":[{"text":"I'm sorry.","start":209.435,"end":209.83499,"sentiment":"neutral","sentiment_score":-0.050123630091547966},{"text":"I'm just going back to have a look.","start":209.83499,"end":211.115,"sentiment":"neutral","sentiment_score":-0.021966787753626704},{"text":"Now we both wanted to access super around about the age of 60.","start":211.115,"end":215.215,"sentiment":"neutral","sentiment_score":0.013013286086229177},{"text":"Does that still sound appropriate?","start":215.275,"end":216.815,"sentiment":"neutral","sentiment_score":0.009594805911183358},{"text":"Yep.","start":225.45,"end":225.77,"sentiment":"neutral","sentiment_score":0.099490687251091}],"sentiment":"neutral","sentiment_score":0.001401926679857846,"num_words":29,"start":209.435,"end":225.77},{"sentences":[{"text":"Yep.","start":225.77,"end":226.25,"sentiment":"neutral","sentiment_score":0.11367499083280563},{"text":"Yep.","start":226.25,"end":226.75,"sentiment":"neutral","sentiment_score":0.14329952001571655},{"text":"Yep.","start":228.17,"end":228.56999,"sentiment":"neutral","sentiment_score":0.12459545582532884},{"text":"Yep.","start":228.56999,"end":228.81,"sentiment":"neutral","sentiment_score":0.1664600670337677},{"text":"That's okay.","start":228.81,"end":229.63,"sentiment":"positive","sentiment_score":0.3842041492462158}],"sentiment":"neutral","sentiment_score":0.2194063887000084,"num_words":6,"start":225.77,"end":229.63},{"sentences":[{"text":"And goal was to be able to your income.","start":229.84999,"end":232.98999,"sentiment":"positive","sentiment_score":0.3765312201446957},{"text":"We're looking at sorry.","start":233.575,"end":235.33499,"sentiment":"neutral","sentiment_score":0.08974417205899954},{"text":"I'm just getting my screen to work for me.","start":235.33499,"end":238.215,"sentiment":"neutral","sentiment_score":0.04110954557028082},{"text":"There we go.","start":238.215,"end":239.11499,"sentiment":"neutral","sentiment_score":0.07595027983188629},{"text":"We were looking at a joint monthly income of $6,000 from super, so 3,000 from each if that works out that way or proportionately based on super balances.","start":239.33499,"end":248.9,"sentiment":"neutral","sentiment_score":0.161949574681265}],"sentiment":"neutral","sentiment_score":0.16755061340078992,"num_words":53,"start":229.84999,"end":248.9},{"sentences":[{"text":"Does that sound correct?","start":248.9,"end":250.12,"sentiment":"neutral","sentiment_score":0.09181281365454197},{"text":"That's Yeah.","start":254.74,"end":266.755,"sentiment":"neutral","sentiment_score":-0.028916877694427967},{"text":"No.","start":266.755,"end":267.075,"sentiment":"neutral","sentiment_score":-0.19615021347999573},{"text":"That's honestly not that high at all.","start":267.075,"end":268.755,"sentiment":"neutral","sentiment_score":-0.33226517268589567},{"text":"It's essentially 72,000.","start":268.755,"end":271.015,"sentiment":"neutral","sentiment_score":-0.16360609730084738}],"sentiment":"neutral","sentiment_score":-0.15902395382085266,"num_words":17,"start":248.9,"end":271.015},{"sentences":[{"text":"There are, like, research materials out there.","start":272.035,"end":274.435,"sentiment":"neutral","sentiment_score":-0.06989913220916476},{"text":"So one of the research materials is ASSA, and they essentially take all the data collected by the all the industry super funds and correlate it together.","start":274.435,"end":282.72,"sentiment":"neutral","sentiment_score":0.06691574926177661},{"text":"And they're actually averaging that most couples need to draw no less than about 72 to $76,000 on a yearly basis for a minimum to comfortable retirement.","start":282.72,"end":293.675,"sentiment":"neutral","sentiment_score":0.09873677707380718},{"text":"And that's not taking holidays every year.","start":293.895,"end":296.215,"sentiment":"neutral","sentiment_score":-0.0017011452998433793},{"text":"That's just basic standard living expenses.","start":296.215,"end":298.715,"sentiment":"neutral","sentiment_score":0.10420826139549415}],"sentiment":"neutral","sentiment_score":0.06211710590365771,"num_words":74,"start":272.035,"end":298.715},{"sentences":[{"text":"Comfortable retirement to them is covering your mortgage if you still have a mortgage, going out to have lunch once or twice a week, going to the movies a few times, having haircuts and things like that.","start":299.415,"end":309.09,"sentiment":"neutral","sentiment_score":0.10222003045114311},{"text":"So in all honesty, that's not very much when you consider the cost of living, fuel, food, electricity.","start":309.94998,"end":317.49,"sentiment":"neutral","sentiment_score":-0.14814886968168947},{"text":"Well, I think, yeah, we did have originally in one of them 6,000 each, and then in the other one, we had 3,000.","start":321.825,"end":328.785,"sentiment":"neutral","sentiment_score":-0.08326210162561873},{"text":"Scott, I believe yours was 6,000 each originally.","start":328.785,"end":331.425,"sentiment":"neutral","sentiment_score":-0.009626214392483234},{"text":"And then, Lisa, when I spoke to you, it was a 6,000 combined 3,000 from each.","start":331.425,"end":335.82,"sentiment":"neutral","sentiment_score":0.04312943003606051}],"sentiment":"neutral","sentiment_score":-0.0018284872502965085,"num_words":102,"start":299.415,"end":335.82},{"sentences":[{"text":"But I'm happy to work on either.","start":335.82,"end":338.13998,"sentiment":"neutral","sentiment_score":0.30222246050834656},{"text":"What goal would you like me to work for for you?","start":338.13998,"end":341.12,"sentiment":"neutral","sentiment_score":0.0930956866253506},{"text":"Yeah.","start":347.5,"end":348.0,"sentiment":"neutral","sentiment_score":0.17043903470039368},{"text":"Absolutely.","start":349.315,"end":349.815,"sentiment":"neutral","sentiment_score":0.16110694408416748},{"text":"Yep.","start":350.51498,"end":351.01498,"sentiment":"neutral","sentiment_score":0.2668907046318054}],"sentiment":"neutral","sentiment_score":0.17800221237398328,"num_words":21,"start":335.82,"end":351.01498},{"sentences":[{"text":"That's absolutely fine.","start":352.115,"end":353.795,"sentiment":"positive","sentiment_score":0.5521216789881388},{"text":"Let's aim for the stars.","start":353.795,"end":355.175,"sentiment":"positive","sentiment_score":0.41773844957351686},{"text":"So yeah.","start":356.355,"end":359.715,"sentiment":"neutral","sentiment_score":0.12598732858896255},{"text":"Yeah.","start":359.715,"end":360.215,"sentiment":"neutral","sentiment_score":0.05304192006587982},{"text":"Correct.","start":362.675,"end":363.175,"sentiment":"neutral","sentiment_score":0.20833860337734225}],"sentiment":"positive","sentiment_score":0.35486770545442897,"num_words":12,"start":352.115,"end":363.175},{"sentences":[{"text":"Yeah.","start":363.395,"end":363.715,"sentiment":"neutral","sentiment_score":0.18090683221817017},{"text":"No.","start":363.715,"end":363.955,"sentiment":"neutral","sentiment_score":0.151908278465271},{"text":"That is completely tax free.","start":363.955,"end":365.19,"sentiment":"neutral","sentiment_score":0.25474551916122434},{"text":"So once you retire and you know that time and phase, there is no income capital gains tax.","start":365.19,"end":371.35,"sentiment":"neutral","sentiment_score":0.11850440502166748},{"text":"Everything's tax free in that pension phase, which is kind of really nice after working for basically a lifetime.","start":371.35,"end":377.145,"sentiment":"positive","sentiment_score":0.3952896445989609}],"sentiment":"neutral","sentiment_score":0.25568466464226897,"num_words":44,"start":363.395,"end":377.145},{"sentences":[{"text":"Mhmm.","start":383.38498,"end":383.88498,"sentiment":"neutral","sentiment_score":0.0524279847741127},{"text":"Yep.","start":386.905,"end":387.405,"sentiment":"neutral","sentiment_score":0.06559838354587555},{"text":"Yeah.","start":387.465,"end":387.625,"sentiment":"neutral","sentiment_score":0.07107909023761749},{"text":"I can look at that for you.","start":387.625,"end":388.905,"sentiment":"neutral","sentiment_score":0.08438277351004737},{"text":"Absolutely.","start":388.905,"end":389.405,"sentiment":"neutral","sentiment_score":0.13072219491004944}],"sentiment":"neutral","sentiment_score":0.08277336982163516,"num_words":11,"start":383.38498,"end":389.405},{"sentences":[{"text":"What are your average what's your average monthly expenditure?","start":390.59,"end":394.13,"sentiment":"neutral","sentiment_score":0.0691356249153614},{"text":"Yeah.","start":398.51,"end":398.91,"sentiment":"neutral","sentiment_score":0.04478838294744491},{"text":"Jointly.","start":398.91,"end":399.41,"sentiment":"neutral","sentiment_score":0.0672515332698822},{"text":"Yeah.","start":399.47,"end":399.71,"sentiment":"neutral","sentiment_score":0.043119873851537704},{"text":"What do you guys' average expenses every month say?","start":399.71,"end":414.825,"sentiment":"neutral","sentiment_score":0.04229986833201514}],"sentiment":"neutral","sentiment_score":0.05514662996644065,"num_words":21,"start":390.59,"end":414.825},{"sentences":[{"text":"Mhmm.","start":415.525,"end":415.83,"sentiment":"neutral","sentiment_score":0.006023236084729433},{"text":"4,700 per month.","start":418.22998,"end":420.33,"sentiment":"neutral","sentiment_score":0.02188310430695613},{"text":"Beautiful.","start":420.47,"end":420.97,"sentiment":"neutral","sentiment_score":0.271225243806839},{"text":"Yeah.","start":425.50998,"end":426.00998,"sentiment":"neutral","sentiment_score":-0.07206854224205017},{"text":"Yeah.","start":429.11,"end":429.61,"sentiment":"neutral","sentiment_score":-0.06178240105509758}],"sentiment":"neutral","sentiment_score":0.029863835645041296,"num_words":7,"start":415.525,"end":429.61},{"sentences":[{"text":"Yeah.","start":430.01498,"end":430.51498,"sentiment":"neutral","sentiment_score":0.03263188898563385},{"text":"Absolutely.","start":430.735,"end":431.235,"sentiment":"neutral","sentiment_score":0.11392141878604888},{"text":"I think the main thing we're looking at that now is if, Lisa, you're wanting to drop your hours to 50%, it means dropping your income as well.","start":431.69498,"end":439.215,"sentiment":"neutral","sentiment_score":-0.016507195375327553},{"text":"So if we wanna look at what that means for your sleep or what your contributions look like going in, we wanna also make sure that if we tell you to do that, if we say it's possible, and it means, you know, putting in extra contributions to supplement, we wanna make sure that you're still able to cover your expenditure, the not eating too much of that away.","start":439.215,"end":457.53998,"sentiment":"neutral","sentiment_score":0.03921984358812156},{"text":"So that's definitely sort of to factor in.","start":458.47998,"end":461.315,"sentiment":"neutral","sentiment_score":0.09700283873826265}],"sentiment":"neutral","sentiment_score":0.029593866866813087,"num_words":107,"start":430.01498,"end":461.315},{"sentences":[{"text":"When we income wise now so, Lisa, what's your income at the moment?","start":461.535,"end":466.19498,"sentiment":"neutral","sentiment_score":0.01023941827364839},{"text":"Yeah.","start":470.01498,"end":470.51498,"sentiment":"neutral","sentiment_score":0.007256335113197565},{"text":"Growth.","start":470.57498,"end":471.07498,"sentiment":"neutral","sentiment_score":0.010529881343245506},{"text":"Both.","start":471.69498,"end":472.19498,"sentiment":"neutral","sentiment_score":0.010131357237696648},{"text":"If you can do growth if you want that I can work out.","start":472.41498,"end":479.07,"sentiment":"neutral","sentiment_score":0.02070433173615199}],"sentiment":"neutral","sentiment_score":0.01483401116626016,"num_words":29,"start":461.535,"end":479.07},{"sentences":[{"text":"Yep.","start":479.69,"end":480.19,"sentiment":"neutral","sentiment_score":0.02228495106101036},{"text":"$8.07 6.","start":480.81,"end":481.85,"sentiment":"neutral","sentiment_score":0.01990554668009281},{"text":"Yep.","start":481.85,"end":482.25,"sentiment":"neutral","sentiment_score":0.09204666316509248},{"text":"Beautiful.","start":482.25,"end":482.75,"sentiment":"positive","sentiment_score":0.404760479927063},{"text":"It's about the same.","start":483.05,"end":484.27,"sentiment":"neutral","sentiment_score":0.13518169336020947}],"sentiment":"neutral","sentiment_score":0.1221811067726877,"num_words":9,"start":479.69,"end":484.27},{"sentences":[{"text":"$5.01 $4.08 and 60¢.","start":489.37,"end":492.14502,"sentiment":"neutral","sentiment_score":0.03862347329656283},{"text":"Beautiful.","start":492.285,"end":492.785,"sentiment":"neutral","sentiment_score":0.3243889808654785},{"text":"And per month.","start":492.845,"end":493.725,"sentiment":"positive","sentiment_score":0.3340168446302414},{"text":"Excellent.","start":493.725,"end":494.225,"sentiment":"positive","sentiment_score":0.4577213227748871},{"text":"Full time.","start":497.64502,"end":498.465,"sentiment":"neutral","sentiment_score":0.2515413761138916}],"sentiment":"neutral","sentiment_score":0.24031140096485615,"num_words":11,"start":489.37,"end":498.465},{"sentences":[{"text":"Yep.","start":501.405,"end":501.80502,"sentiment":"neutral","sentiment_score":0.1330505907535553},{"text":"Okay.","start":501.80502,"end":502.125,"sentiment":"neutral","sentiment_score":0.25324583053588867},{"text":"Perfect.","start":502.125,"end":502.52502,"sentiment":"neutral","sentiment_score":0.14254029095172882},{"text":"So if you drop down to 50%, we'd assume 50% of your income, so it would drop by about 50%, say.","start":502.52502,"end":508.58,"sentiment":"neutral","sentiment_score":0.00833420730417683},{"text":"Yep.","start":512.8,"end":513.2,"sentiment":"neutral","sentiment_score":0.01961430720984936}],"sentiment":"neutral","sentiment_score":0.028938774913549424,"num_words":25,"start":501.405,"end":513.2},{"sentences":[{"text":"That's okay.","start":513.2,"end":514.0,"sentiment":"neutral","sentiment_score":0.022336517460644245},{"text":"Can I ask what's your what's your hourly rate, and how many hours would you expect to work?","start":514.0,"end":519.6,"sentiment":"neutral","sentiment_score":0.011859121835894056},{"text":"Because I can do the math manually Yeah.","start":519.6,"end":533.185,"sentiment":"neutral","sentiment_score":-0.007265224354341626},{"text":"You're fine.","start":533.185,"end":537.52997,"sentiment":"neutral","sentiment_score":-0.020929920952767134},{"text":"Okay.","start":541.11,"end":541.61,"sentiment":"neutral","sentiment_score":-0.008605251088738441}],"sentiment":"neutral","sentiment_score":0.004824204520592766,"num_words":31,"start":513.2,"end":541.61},{"sentences":[{"text":"Let's update that for you.","start":541.91,"end":545.43,"sentiment":"neutral","sentiment_score":-0.011105372291058301},{"text":"Yeah.","start":545.43,"end":545.745,"sentiment":"neutral","sentiment_score":-0.009977785870432854},{"text":"So so it's got you on 15 100 per week.","start":550.545,"end":553.365,"sentiment":"neutral","sentiment_score":0.002912799175828695},{"text":"No.","start":554.065,"end":554.225,"sentiment":"neutral","sentiment_score":-0.025977369397878647},{"text":"You're right.","start":554.225,"end":554.625,"sentiment":"neutral","sentiment_score":0.03174388315528631}],"sentiment":"neutral","sentiment_score":0.00005967059711876669,"num_words":19,"start":541.91,"end":554.625},{"sentences":[{"text":"All good.","start":554.625,"end":555.365,"sentiment":"neutral","sentiment_score":0.14750384539365768},{"text":"14 100.","start":558.225,"end":569.49,"sentiment":"neutral","sentiment_score":-0.015610137023031712},{"text":"That's okay.","start":581.405,"end":582.22504,"sentiment":"neutral","sentiment_score":0.06245240196585655},{"text":"That's alright.","start":582.28503,"end":583.005,"sentiment":"neutral","sentiment_score":0.07169786840677261},{"text":"So net month net sorry.","start":583.005,"end":586.25,"sentiment":"neutral","sentiment_score":0.002194144017994404}],"sentiment":"neutral","sentiment_score":0.041773744428960174,"num_words":13,"start":554.625,"end":586.25},{"sentences":[{"text":"Monthly.","start":586.25,"end":586.75,"sentiment":"neutral","sentiment_score":0.013866018503904344},{"text":"Yep.","start":590.01,"end":590.41003,"sentiment":"neutral","sentiment_score":0.010321348905563354},{"text":"Double.","start":590.41003,"end":590.91003,"sentiment":"neutral","sentiment_score":0.0038531296886503696},{"text":"For monthly.","start":593.93005,"end":594.75,"sentiment":"neutral","sentiment_score":0.0003823200240731239},{"text":"That actually works out better.","start":597.37006,"end":598.545,"sentiment":"neutral","sentiment_score":0.08516783714294433}],"sentiment":"neutral","sentiment_score":0.0454644322860986,"num_words":10,"start":586.25,"end":598.545},{"sentences":[{"text":"Beautiful.","start":599.02496,"end":599.52496,"sentiment":"positive","sentiment_score":0.4308354258537293},{"text":"And that's your that's your current net in that per month.","start":599.665,"end":603.605,"sentiment":"neutral","sentiment_score":0.042641784995794296},{"text":"No.","start":605.825,"end":606.065,"sentiment":"neutral","sentiment_score":-0.07862282544374466},{"text":"That's okay.","start":606.065,"end":606.885,"sentiment":"neutral","sentiment_score":-0.026603640988469124},{"text":"You're right.","start":606.945,"end":607.685,"sentiment":"neutral","sentiment_score":0.03093063458800316}],"sentiment":"neutral","sentiment_score":0.04881918956251705,"num_words":17,"start":599.02496,"end":607.685},{"sentences":[{"text":"No.","start":608.70496,"end":608.865,"sentiment":"neutral","sentiment_score":-0.012771530076861382},{"text":"That's absolutely fine.","start":608.865,"end":610.14496,"sentiment":"neutral","sentiment_score":0.10323374966780345},{"text":"And what's your hourly rate there, Lisa?","start":610.14496,"end":612.38,"sentiment":"neutral","sentiment_score":0.021711399113493308},{"text":"Yes, please.","start":612.38,"end":613.10004,"sentiment":"neutral","sentiment_score":0.03842487186193466},{"text":"Yeah.","start":613.10004,"end":613.60004,"sentiment":"neutral","sentiment_score":0.04220011457800865}],"sentiment":"neutral","sentiment_score":0.04056852650163429,"num_words":14,"start":608.70496,"end":613.60004},{"sentences":[{"text":"3611.","start":621.34,"end":622.56,"sentiment":"neutral","sentiment_score":0.031103642657399178},{"text":"Beautiful.","start":622.7,"end":623.2,"sentiment":"neutral","sentiment_score":0.27780210971832275},{"text":"And if you drop your hours to fifty so I'm assuming you work thirty eight hours a week at the moment or forty with breaks?","start":624.22003,"end":631.355,"sentiment":"neutral","sentiment_score":0.04328052878379822},{"text":"Thirty eight.","start":634.855,"end":635.65497,"sentiment":"neutral","sentiment_score":0.0205289488658309},{"text":"So half that.","start":635.65497,"end":636.535,"sentiment":"neutral","sentiment_score":0.08716635157664616}],"sentiment":"neutral","sentiment_score":0.05292112263850868,"num_words":32,"start":621.34,"end":636.535},{"sentences":[{"text":"Beautiful.","start":636.535,"end":637.035,"sentiment":"positive","sentiment_score":0.43523862957954407},{"text":"Just to confirm.","start":637.095,"end":637.995,"sentiment":"neutral","sentiment_score":0.20798983673254648},{"text":"I would like to double check and ask those questions just to make sure.","start":638.375,"end":641.83496,"sentiment":"neutral","sentiment_score":0.07915363487388406},{"text":"Yep.","start":643.45,"end":643.95,"sentiment":"neutral","sentiment_score":0.017527056857943535},{"text":"Yep.","start":645.93005,"end":646.43005,"sentiment":"neutral","sentiment_score":0.0561736673116684}],"sentiment":"neutral","sentiment_score":0.11205298760905862,"num_words":20,"start":636.535,"end":646.43005},{"sentences":[{"text":"That's okay.","start":647.45,"end":648.27,"sentiment":"neutral","sentiment_score":0.24110287427902222},{"text":"Beautiful.","start":648.49005,"end":648.99005,"sentiment":"positive","sentiment_score":0.4616098999977112},{"text":"So I'll work on that for you, work on the expenditure side of things.","start":649.29004,"end":652.17004,"sentiment":"neutral","sentiment_score":0.19332399857895716},{"text":"So, Scott, you may mention with your changes, you're only working 50% now.","start":652.17004,"end":656.19,"sentiment":"neutral","sentiment_score":0.04959921739422358},{"text":"And so just to reconfirm the income, I said you said it was changed 1,400 per week or fortnight.","start":656.525,"end":663.16504,"sentiment":"neutral","sentiment_score":0.039183805059445534}],"sentiment":"neutral","sentiment_score":0.10284966838603117,"num_words":49,"start":647.45,"end":663.16504},{"sentences":[{"text":"Is that right?","start":663.16504,"end":663.98505,"sentiment":"neutral","sentiment_score":0.05716474850972494},{"text":"Yeah.","start":669.965,"end":670.2,"sentiment":"neutral","sentiment_score":-0.06966512650251389},{"text":"Are you due to get a payslip fairly soon?","start":686.29504,"end":688.375,"sentiment":"neutral","sentiment_score":-0.011904995060629316},{"text":"Or Out of pay.","start":688.375,"end":703.26996,"sentiment":"neutral","sentiment_score":-0.017489863093942404},{"text":"Yep.","start":703.26996,"end":703.67,"sentiment":"neutral","sentiment_score":0.07089617103338242}],"sentiment":"neutral","sentiment_score":-0.0002432843256327841,"num_words":18,"start":663.16504,"end":703.67},{"sentences":[{"text":"That's okay.","start":703.67,"end":704.31,"sentiment":"neutral","sentiment_score":0.1276322528719902},{"text":"Worst case, I could even just get used to email me each of you just a copy of your updated pay slip, and I can just go back and work out the math.","start":704.31,"end":711.27496,"sentiment":"neutral","sentiment_score":0.06233134685140668},{"text":"That's not a problem at all.","start":711.27496,"end":712.89496,"sentiment":"neutral","sentiment_score":0.1325298473238945},{"text":"Beautiful.","start":715.355,"end":715.855,"sentiment":"positive","sentiment_score":0.7011007070541382},{"text":"Don't worry.","start":719.035,"end":719.675,"sentiment":"neutral","sentiment_score":0.03852066770195961}],"sentiment":"neutral","sentiment_score":0.08830727450549603,"num_words":44,"start":703.67,"end":719.675},{"sentences":[{"text":"I've had shockers with computers today waiting for emails to go through and all sorts of dramas and technology is horrible.","start":719.675,"end":726.47,"sentiment":"neutral","sentiment_score":-0.23735432823499045},{"text":"I'm good with old old fashioned pen and paper sometimes.","start":726.47,"end":729.05,"sentiment":"neutral","sentiment_score":-0.053608532249927524},{"text":"Yep.","start":758.3,"end":758.78,"sentiment":"neutral","sentiment_score":0.025592103600502018},{"text":"That's okay.","start":758.78,"end":759.5,"sentiment":"neutral","sentiment_score":0.12198314443230629},{"text":"Easy.","start":759.5,"end":760.0,"sentiment":"neutral","sentiment_score":0.3013364374637604}],"sentiment":"neutral","sentiment_score":-0.14141803958586285,"num_words":35,"start":719.675,"end":760.0},{"sentences":[{"text":"What worst case, we can always just get you to email a copy through.","start":760.14,"end":764.06,"sentiment":"neutral","sentiment_score":-0.003474007227591106},{"text":"I'll probably get you do that anyway just so I have a reference point just when I'm kinda going through and doing the math.","start":764.06,"end":769.065,"sentiment":"neutral","sentiment_score":0.03810776754592856},{"text":"I can include that and just double check the numbers and everything.","start":769.065,"end":772.365,"sentiment":"neutral","sentiment_score":0.09485013410449028},{"text":"I don't wanna give you incorrect or false information, so we'll make sure that we do all the math correctly there for you.","start":772.90497,"end":778.845,"sentiment":"neutral","sentiment_score":-0.030610121518333},{"text":"The you guys also sold the investment property last year.","start":779.88,"end":783.82,"sentiment":"neutral","sentiment_score":0.07414783947169781}],"sentiment":"neutral","sentiment_score":0.024597560589942318,"num_words":83,"start":760.14,"end":783.82},{"sentences":[{"text":"All the proceeds of that, did that pay off the main primary residence?","start":785.32,"end":788.86,"sentiment":"neutral","sentiment_score":0.08367450048144047},{"text":"How did the how did that all go?","start":788.92,"end":790.77997,"sentiment":"neutral","sentiment_score":0.07743825716897845},{"text":"Yep.","start":819.32996,"end":819.82996,"sentiment":"neutral","sentiment_score":-0.005364818032830954},{"text":"Okay.","start":819.97,"end":820.47,"sentiment":"neutral","sentiment_score":-0.004705343395471573},{"text":"Yes.","start":827.28503,"end":827.78503,"sentiment":"neutral","sentiment_score":0.08368886262178421}],"sentiment":"neutral","sentiment_score":0.07420388603350148,"num_words":24,"start":785.32,"end":827.78503},{"sentences":[{"text":"Mhmm.","start":831.84503,"end":832.34503,"sentiment":"neutral","sentiment_score":0.01035091932862997},{"text":"Mhmm.","start":832.405,"end":832.905,"sentiment":"neutral","sentiment_score":0.00998159684240818},{"text":"Mhmm.","start":832.98,"end":833.48,"sentiment":"neutral","sentiment_score":0.010968140326440334},{"text":"Yep.","start":838.9875,"end":839.4875,"sentiment":"neutral","sentiment_score":0.05807222053408623},{"text":"Yep.","start":855.315,"end":855.815,"sentiment":"neutral","sentiment_score":0.2177743911743164}],"sentiment":"neutral","sentiment_score":0.061429453641176225,"num_words":5,"start":831.84503,"end":855.815},{"sentences":[{"text":"Yes.","start":861.22003,"end":861.72003,"sentiment":"neutral","sentiment_score":0.06090147048234939},{"text":"Yep.","start":866.82,"end":867.32,"sentiment":"neutral","sentiment_score":0.11241962015628816},{"text":"That's okay.","start":867.7,"end":868.6,"sentiment":"neutral","sentiment_score":0.16773948073387146},{"text":"Now with the motor home, are you going to need to take out a loan or planning to take out a loan for that, or are you preferring to maybe buy out of cash with the money that you have left over?","start":870.02,"end":880.15497,"sentiment":"neutral","sentiment_score":-0.03137993865779468},{"text":"Yeah.","start":884.375,"end":884.875,"sentiment":"neutral","sentiment_score":0.051145024597644806}],"sentiment":"neutral","sentiment_score":-0.016127922274964922,"num_words":47,"start":861.22003,"end":884.875},{"sentences":[{"text":"Mhmm.","start":887.575,"end":887.85,"sentiment":"neutral","sentiment_score":0.01501462422311306},{"text":"Yep.","start":894.73,"end":895.23,"sentiment":"neutral","sentiment_score":0.06865239143371582},{"text":"Okay.","start":895.29,"end":895.79,"sentiment":"neutral","sentiment_score":0.036744095385074615},{"text":"Correct.","start":900.56995,"end":901.065,"sentiment":"neutral","sentiment_score":0.05440016090869904},{"text":"In all honesty, depending on what sort of a caravan you get, if it is older than normally, most same as most cars, you've got to kind of have a value, but most loans end up being unsecured.","start":904.105,"end":916.67,"sentiment":"neutral","sentiment_score":-0.021327870652863855}],"sentiment":"neutral","sentiment_score":-0.015134471734719617,"num_words":42,"start":887.575,"end":916.67},{"sentences":[{"text":"Even a secured personal loan for that sort of thing is pretty hefty at about between six to, you know, 12%.","start":917.05,"end":924.27,"sentiment":"neutral","sentiment_score":-0.07564356515095347},{"text":"So, realistically, if you are going to get a try and get a loan, pull it off the mortgage, That way you are paying a much lower interest rate because mortgage rates are lower, and you don't have to go and get the loan again.","start":924.81,"end":937.235,"sentiment":"neutral","sentiment_score":0.243414520058367},{"text":"The other side of that is responsible lending, and I can safely tell you that the AML has changed.","start":937.235,"end":943.575,"sentiment":"neutral","sentiment_score":0.21343456091065155},{"text":"So the AML is anti money laundering counterterrorism, and that's essentially looking at you as an identity because there has been so much in Canada in terrorism financing, everything happening with the terrorist side of things over the last couple of years.","start":943.73004,"end":958.745,"sentiment":"neutral","sentiment_score":0.08499955492360252},{"text":"They've also had a lot of anti money laundering going on as well.","start":958.88495,"end":962.00494,"sentiment":"neutral","sentiment_score":0.10826970006410892}],"sentiment":"neutral","sentiment_score":0.13141344713845424,"num_words":140,"start":917.05,"end":962.00494},{"sentences":[{"text":"They've actually gone back and updated all of those sorts of legislations recently.","start":962.00494,"end":966.985,"sentiment":"neutral","sentiment_score":0.1658521661391625},{"text":"And it means that whenever we, a bank, nowadays, even an accountant, a a lawyer, and a real estate agent now have to get your ID, confirm how funds are, where funds have come from, how they use the the AML side of things of getting your ID, improving who you are is a much bigger process on the other side of it.","start":967.605,"end":988.03503,"sentiment":"neutral","sentiment_score":0.0746184488728879},{"text":"It's not as big a process for you guys to see, but it is a much bigger process on the other side of things.","start":988.09503,"end":994.255,"sentiment":"neutral","sentiment_score":-0.02551674284040928},{"text":"So there is a lot more to lending criterias that banks will have to go through to assess everything, which means the cost of that on the other side down the track, I reckon, will probably change.","start":994.255,"end":1005.97003,"sentiment":"neutral","sentiment_score":0.03253940684167114},{"text":"But, realistically, with where you are, you've already got that loan there.","start":1006.27,"end":1009.55005,"sentiment":"neutral","sentiment_score":0.2814432953794797}],"sentiment":"neutral","sentiment_score":0.07265715576058267,"num_words":149,"start":962.00494,"end":1009.55005},{"sentences":[{"text":"You wouldn't have to go through the process of applying for loans, providing your bank statements, going back through the income assessments to get a personal loan, utilizing what you have.","start":1009.55005,"end":1019.265,"sentiment":"neutral","sentiment_score":0.13206737921122583},{"text":"And because it's a a very a fixed sorry, a variable rate, and it's a home loan rate, you're technically paying a lower interest than what you would be if you were to get a personal loan.","start":1019.265,"end":1030.49,"sentiment":"neutral","sentiment_score":-0.037622558406075916},{"text":"So this that side of things, I would probably look at this.","start":1030.49,"end":1034.27,"sentiment":"neutral","sentiment_score":0.006678918609395623},{"text":"Yeah.","start":1034.89,"end":1035.39,"sentiment":"neutral","sentiment_score":0.005395405925810337},{"text":"Yeah.","start":1045.295,"end":1045.795,"sentiment":"neutral","sentiment_score":0.017424670979380608}],"sentiment":"neutral","sentiment_score":0.034207575545623536,"num_words":82,"start":1009.55005,"end":1045.795},{"sentences":[{"text":"Yeah.","start":1046.255,"end":1046.755,"sentiment":"neutral","sentiment_score":0.01882926933467388},{"text":"Yeah.","start":1051.135,"end":1051.635,"sentiment":"neutral","sentiment_score":0.01277005299925804},{"text":"Yeah.","start":1055.055,"end":1055.555,"sentiment":"neutral","sentiment_score":0.02629748545587063},{"text":"The motor home.","start":1057.49,"end":1058.37,"sentiment":"neutral","sentiment_score":0.023268314078450203},{"text":"Yeah.","start":1058.37,"end":1058.69,"sentiment":"neutral","sentiment_score":0.014987131580710413}],"sentiment":"neutral","sentiment_score":0.020384125943694795,"num_words":7,"start":1046.255,"end":1058.69},{"sentences":[{"text":"How sorry.","start":1058.69,"end":1059.33,"sentiment":"neutral","sentiment_score":-0.03291436471045017},{"text":"How much were you wanting to maybe pull out for the for the motor home?","start":1059.33,"end":1062.13,"sentiment":"neutral","sentiment_score":-0.014604792123039563},{"text":"What was the cost it's supposed to be?","start":1062.13,"end":1064.23,"sentiment":"neutral","sentiment_score":-0.013867323286831379},{"text":"Yep.","start":1069.8099,"end":1070.3099,"sentiment":"neutral","sentiment_score":0.053594645112752914},{"text":"Yep.","start":1070.53,"end":1070.895,"sentiment":"neutral","sentiment_score":0.05667264387011528}],"sentiment":"neutral","sentiment_score":-0.010576737354750987,"num_words":27,"start":1058.69,"end":1070.895},{"sentences":[{"text":"Perfect.","start":1080.5751,"end":1081.0751,"sentiment":"neutral","sentiment_score":0.1964440643787384},{"text":"Yep.","start":1084.335,"end":1084.835,"sentiment":"neutral","sentiment_score":0.046050071716308594},{"text":"Okay.","start":1084.895,"end":1085.31,"sentiment":"neutral","sentiment_score":0.03752867504954338},{"text":"So with the yeah.","start":1085.39,"end":1087.4701,"sentiment":"neutral","sentiment_score":0.042415330186486244},{"text":"Absolutely.","start":1087.4701,"end":1087.9701,"sentiment":"neutral","sentiment_score":0.09928585588932036}],"sentiment":"neutral","sentiment_score":0.06862124847248197,"num_words":8,"start":1080.5751,"end":1087.9701},{"sentences":[{"text":"And so with the assets to sell, is that your shares that you had sitting there as well?","start":1088.8301,"end":1094.13,"sentiment":"neutral","sentiment_score":0.021693997602495883},{"text":"Oh, right.","start":1102.505,"end":1103.085,"sentiment":"neutral","sentiment_score":-0.031138364225625992},{"text":"Right.","start":1105.225,"end":1105.725,"sentiment":"neutral","sentiment_score":0.0011218171566724775},{"text":"Right.","start":1111.065,"end":1111.565,"sentiment":"neutral","sentiment_score":0.0203807782381773},{"text":"Okay.","start":1111.625,"end":1112.125,"sentiment":"neutral","sentiment_score":0.01454563532024622}],"sentiment":"neutral","sentiment_score":0.015837541700381298,"num_words":23,"start":1088.8301,"end":1112.125},{"sentences":[{"text":"Right.","start":1113.945,"end":1114.345,"sentiment":"neutral","sentiment_score":0.02614220604300499},{"text":"Okay.","start":1114.345,"end":1114.845,"sentiment":"neutral","sentiment_score":0.019363269209861755},{"text":"Okay.","start":1118.2201,"end":1118.7201,"sentiment":"neutral","sentiment_score":0.0918489396572113},{"text":"Yeah.","start":1118.8601,"end":1119.26,"sentiment":"neutral","sentiment_score":0.2366964966058731},{"text":"Beautiful.","start":1119.26,"end":1119.7401,"sentiment":"positive","sentiment_score":0.4568887948989868}],"sentiment":"neutral","sentiment_score":0.16618794128298758,"num_words":5,"start":1113.945,"end":1119.7401},{"sentences":[{"text":"So the jet skis will go.","start":1119.7401,"end":1121.4401,"sentiment":"neutral","sentiment_score":0.20500197758277258},{"text":"Wow.","start":1121.8201,"end":1122.3201,"sentiment":"neutral","sentiment_score":0.1873739957809448},{"text":"And the and the trailer.","start":1122.54,"end":1124.56,"sentiment":"neutral","sentiment_score":0.06435454711318016},{"text":"No.","start":1126.7001,"end":1126.9401,"sentiment":"neutral","sentiment_score":-0.13408583402633667},{"text":"That's okay.","start":1126.9401,"end":1127.66,"sentiment":"neutral","sentiment_score":0.04738754406571388}],"sentiment":"neutral","sentiment_score":0.11332319006323814,"num_words":15,"start":1119.7401,"end":1127.66},{"sentences":[{"text":"All good.","start":1127.66,"end":1128.06,"sentiment":"positive","sentiment_score":0.45960649847984314},{"text":"And the motor home, is it more of a caravan, or is it more of an actual motor home which you'll drive around?","start":1128.06,"end":1133.1749,"sentiment":"neutral","sentiment_score":0.017996898244904434},{"text":"What sort of thing you're looking at for motor home?","start":1133.1749,"end":1135.975,"sentiment":"neutral","sentiment_score":0.005373453348875045},{"text":"Yep.","start":1135.975,"end":1136.2949,"sentiment":"neutral","sentiment_score":0.11253924667835236},{"text":"Beautiful.","start":1136.2949,"end":1136.775,"sentiment":"neutral","sentiment_score":0.28199344873428345}],"sentiment":"neutral","sentiment_score":0.04814618609442904,"num_words":37,"start":1127.66,"end":1136.775},{"sentences":[{"text":"Are you gonna be looking to tow a car on the back end of that or just take it and go?","start":1136.775,"end":1141.255,"sentiment":"neutral","sentiment_score":0.01677375774653185},{"text":"No.","start":1141.255,"end":1141.655,"sentiment":"neutral","sentiment_score":-0.05508696287870407},{"text":"That's okay.","start":1141.655,"end":1142.475,"sentiment":"neutral","sentiment_score":-0.014171065762639046},{"text":"Nice.","start":1145.575,"end":1146.075,"sentiment":"positive","sentiment_score":0.4592008590698242},{"text":"Nice.","start":1146.2949,"end":1146.7949,"sentiment":"positive","sentiment_score":0.4791986644268036}],"sentiment":"neutral","sentiment_score":0.046431513144992866,"num_words":26,"start":1136.775,"end":1146.7949},{"sentences":[{"text":"All good.","start":1147.015,"end":1147.835,"sentiment":"positive","sentiment_score":0.4833545386791229},{"text":"Alright.","start":1148.0299,"end":1148.19,"sentiment":"neutral","sentiment_score":0.15429221093654633},{"text":"Well, let's just update the assets that we do have here at the moment.","start":1148.19,"end":1151.07,"sentiment":"neutral","sentiment_score":0.038879780497934134},{"text":"So now your main primary residence there, the last valuation we had on that was I had two different valuations.","start":1151.07,"end":1158.61,"sentiment":"neutral","sentiment_score":0.012929043523035944},{"text":"So, Scott, on yours, I had 1.5 mil, and the other one, I had 2.8 mil.","start":1158.75,"end":1166.605,"sentiment":"neutral","sentiment_score":0.014796345523791388}],"sentiment":"neutral","sentiment_score":0.040766804039759456,"num_words":53,"start":1147.015,"end":1166.605},{"sentences":[{"text":"How much do you value the property at?","start":1166.605,"end":1168.525,"sentiment":"neutral","sentiment_score":0.010808860301040113},{"text":"How much would it be valued at for you?","start":1168.525,"end":1170.5449,"sentiment":"neutral","sentiment_score":0.004959028214216232},{"text":"Yep.","start":1179.02,"end":1179.52,"sentiment":"neutral","sentiment_score":0.023979507386684418},{"text":"Did you want me to put 2 mil on it, 1.9?","start":1179.66,"end":1181.82,"sentiment":"neutral","sentiment_score":0.0022499147823757744},{"text":"What do you are you comfortable with?","start":1181.82,"end":1183.6,"sentiment":"neutral","sentiment_score":0.0068576885387301445}],"sentiment":"neutral","sentiment_score":0.006328736836116554,"num_words":36,"start":1166.605,"end":1183.6},{"sentences":[{"text":"Two is fine.","start":1183.98,"end":1184.7999,"sentiment":"neutral","sentiment_score":0.043881100292007126},{"text":"Yep.","start":1185.02,"end":1185.52,"sentiment":"neutral","sentiment_score":0.043829113245010376},{"text":"Fine?","start":1185.825,"end":1185.945,"sentiment":"neutral","sentiment_score":0.06971628963947296},{"text":"Yep.","start":1185.945,"end":1186.065,"sentiment":"neutral","sentiment_score":0.09422209113836288},{"text":"Absolutely.","start":1186.065,"end":1186.4249,"sentiment":"neutral","sentiment_score":0.2859220504760742}],"sentiment":"neutral","sentiment_score":0.0893332636249917,"num_words":7,"start":1183.98,"end":1186.4249},{"sentences":[{"text":"All good.","start":1186.4249,"end":1187.2849,"sentiment":"positive","sentiment_score":0.34430210292339325},{"text":"And then I've got the loan information here, so I'll just update that here as well.","start":1188.065,"end":1192.485,"sentiment":"neutral","sentiment_score":0.10430769296362996},{"text":"Beautiful.","start":1192.625,"end":1193.125,"sentiment":"neutral","sentiment_score":0.30152595043182373},{"text":"Offset's all covered.","start":1194.465,"end":1195.845,"sentiment":"neutral","sentiment_score":0.09549647569656372},{"text":"Other assets noted down that we had the motor vehicles.","start":1196.465,"end":1200.1449,"sentiment":"neutral","sentiment_score":0.02468474693596363}],"sentiment":"neutral","sentiment_score":0.09976219187956303,"num_words":32,"start":1186.4249,"end":1200.1449},{"sentences":[{"text":"I had them noted as two motor vehicles.","start":1200.1449,"end":1202.85,"sentiment":"neutral","sentiment_score":0.019242769107222557},{"text":"One of those, I believe, is a Tesla.","start":1203.87,"end":1206.13,"sentiment":"neutral","sentiment_score":0.024564159801229835},{"text":"Is that right?","start":1206.1901,"end":1207.09,"sentiment":"neutral","sentiment_score":0.03241134559114774},{"text":"Yep.","start":1208.67,"end":1209.17,"sentiment":"neutral","sentiment_score":0.015020132064819336},{"text":"Lovely.","start":1210.35,"end":1210.85,"sentiment":"neutral","sentiment_score":0.06510947644710541}],"sentiment":"neutral","sentiment_score":0.025134241740618433,"num_words":21,"start":1200.1449,"end":1210.85},{"sentences":[{"text":"How much are you trying to sell it for?","start":1212.685,"end":1214.2051,"sentiment":"neutral","sentiment_score":0.0033355060343941054},{"text":"What sort of value you got on it?","start":1214.2051,"end":1216.0651,"sentiment":"neutral","sentiment_score":-0.0010602939873933792},{"text":"Yep.","start":1219.885,"end":1220.365,"sentiment":"neutral","sentiment_score":0.08522187173366547},{"text":"Beautiful.","start":1220.365,"end":1220.865,"sentiment":"neutral","sentiment_score":0.2314339578151703},{"text":"And that vehicle is owned completely outright.","start":1220.925,"end":1222.925,"sentiment":"neutral","sentiment_score":0.04580795232738767}],"sentiment":"neutral","sentiment_score":0.02534033454811344,"num_words":26,"start":1212.685,"end":1222.925},{"sentences":[{"text":"No loans on it at all?","start":1222.925,"end":1224.465,"sentiment":"neutral","sentiment_score":-0.08448006212711334},{"text":"Yep.","start":1226.525,"end":1227.005,"sentiment":"neutral","sentiment_score":0.08959716558456421},{"text":"Perfect.","start":1227.005,"end":1227.45,"sentiment":"positive","sentiment_score":0.3373287320137024},{"text":"Excellent.","start":1227.85,"end":1228.35,"sentiment":"neutral","sentiment_score":0.33044353127479553},{"text":"So 55 there.","start":1228.49,"end":1229.95,"sentiment":"neutral","sentiment_score":0.14172493914763132}],"sentiment":"neutral","sentiment_score":0.05630532279610634,"num_words":12,"start":1222.925,"end":1229.95},{"sentences":[{"text":"I also have down here the BYD Shark with an asset value of 50,000.","start":1230.33,"end":1236.1699,"sentiment":"neutral","sentiment_score":0.07164591577436243},{"text":"Do you still have that vehicle?","start":1236.1699,"end":1237.71,"sentiment":"neutral","sentiment_score":0.039511747658252716},{"text":"Yep.","start":1239.5299,"end":1239.9299,"sentiment":"neutral","sentiment_score":0.10390578955411912},{"text":"Beautiful.","start":1239.9299,"end":1240.4299,"sentiment":"positive","sentiment_score":0.3798585534095764},{"text":"Would you value it the same, or do you think you'd change that valuation?","start":1240.875,"end":1244.095,"sentiment":"neutral","sentiment_score":0.02424785933856453}],"sentiment":"neutral","sentiment_score":0.057315213347060814,"num_words":36,"start":1230.33,"end":1244.095},{"sentences":[{"text":"50 55, you said.","start":1246.955,"end":1250.715,"sentiment":"neutral","sentiment_score":-0.012161320773884654},{"text":"Sorry.","start":1250.715,"end":1251.115,"sentiment":"neutral","sentiment_score":-0.033007144927978516},{"text":"Is that right?","start":1251.115,"end":1252.015,"sentiment":"neutral","sentiment_score":-0.013619297494490942},{"text":"Yep.","start":1252.635,"end":1253.115,"sentiment":"neutral","sentiment_score":0.08606302738189697},{"text":"Beautiful.","start":1253.115,"end":1253.615,"sentiment":"positive","sentiment_score":0.4046200215816498}],"sentiment":"neutral","sentiment_score":0.03681727284565568,"num_words":10,"start":1246.955,"end":1253.615},{"sentences":[{"text":"Excellent.","start":1253.755,"end":1254.255,"sentiment":"positive","sentiment_score":0.4485401511192322},{"text":"And no debt on that one completely outright as well?","start":1254.395,"end":1257.71,"sentiment":"neutral","sentiment_score":0.062158414348959926},{"text":"Okay.","start":1259.85,"end":1260.09,"sentiment":"neutral","sentiment_score":-0.021290484815835953},{"text":"How much do we owe on that one?","start":1260.09,"end":1261.79,"sentiment":"neutral","sentiment_score":-0.03386794659309089},{"text":"43,000.","start":1277.6549,"end":1278.715,"sentiment":"neutral","sentiment_score":0.02830678783357143}],"sentiment":"neutral","sentiment_score":0.03839033451818284,"num_words":21,"start":1253.755,"end":1278.715},{"sentences":[{"text":"Excellent.","start":1278.855,"end":1279.355,"sentiment":"positive","sentiment_score":0.37614548206329346},{"text":"Beautiful.","start":1279.575,"end":1280.075,"sentiment":"positive","sentiment_score":0.5262329578399658},{"text":"Let's pop that in there.","start":1280.215,"end":1281.595,"sentiment":"positive","sentiment_score":0.3820791244506836},{"text":"Fantastic.","start":1282.7749,"end":1283.2749,"sentiment":"positive","sentiment_score":0.44436562061309814},{"text":"And then we have the two jet skis, which will be sold down the track here.","start":1283.6599,"end":1287.5199,"sentiment":"neutral","sentiment_score":0.10088591231033206}],"sentiment":"neutral","sentiment_score":0.20297142832229534,"num_words":24,"start":1278.855,"end":1287.5199},{"sentences":[{"text":"But what sort of valuation would you put on both those jet skis currently?","start":1288.7799,"end":1293.2799,"sentiment":"neutral","sentiment_score":-0.000258473346808127},{"text":"Mhmm.","start":1297.4199,"end":1297.695,"sentiment":"neutral","sentiment_score":-0.0023001041263341904},{"text":"Yep.","start":1301.615,"end":1302.095,"sentiment":"neutral","sentiment_score":0.06561572849750519},{"text":"Beautiful.","start":1302.095,"end":1302.595,"sentiment":"neutral","sentiment_score":0.25987759232521057},{"text":"Lovely.","start":1303.0549,"end":1303.5549,"sentiment":"neutral","sentiment_score":0.2652457058429718}],"sentiment":"neutral","sentiment_score":0.03249001642689109,"num_words":18,"start":1288.7799,"end":1303.5549},{"sentences":[{"text":"And they're earned out.","start":1303.615,"end":1304.6549,"sentiment":"neutral","sentiment_score":0.069734837859869},{"text":"Right?","start":1304.6549,"end":1304.8949,"sentiment":"neutral","sentiment_score":0.01937844790518284},{"text":"There's no loans on those?","start":1304.8949,"end":1307.235,"sentiment":"neutral","sentiment_score":-0.030097222328186034},{"text":"Nope.","start":1308.815,"end":1309.2949,"sentiment":"neutral","sentiment_score":-0.008073650300502777},{"text":"Beautiful.","start":1309.2949,"end":1309.7949,"sentiment":"neutral","sentiment_score":0.09312541782855988}],"sentiment":"neutral","sentiment_score":0.019406954602648813,"num_words":12,"start":1303.615,"end":1309.7949},{"sentences":[{"text":"And the 55 is for the two jet skis and the trailer as well?","start":1309.9349,"end":1311.695,"sentiment":"neutral","sentiment_score":0.03173733702195542},{"text":"Yep.","start":1311.695,"end":1311.945,"sentiment":"neutral","sentiment_score":0.0534476637840271},{"text":"Beautiful.","start":1311.945,"end":1312.445,"sentiment":"neutral","sentiment_score":0.14415401220321655},{"text":"Yep.","start":1312.5,"end":1313.0,"sentiment":"neutral","sentiment_score":0.0746089369058609},{"text":"Beautiful.","start":1314.98,"end":1315.48,"sentiment":"neutral","sentiment_score":0.21510912477970123}],"sentiment":"neutral","sentiment_score":0.05175791422112121,"num_words":18,"start":1309.9349,"end":1315.48},{"sentences":[{"text":"Yeah.","start":1316.66,"end":1317.06,"sentiment":"neutral","sentiment_score":0.1499464064836502},{"text":"May as well.","start":1317.06,"end":1317.86,"sentiment":"neutral","sentiment_score":0.18692703545093536},{"text":"That's all good.","start":1317.86,"end":1319.0,"sentiment":"positive","sentiment_score":0.3619999587535858},{"text":"Fantastic.","start":1319.7,"end":1320.2,"sentiment":"positive","sentiment_score":0.5360656976699829},{"text":"Update that for you.","start":1320.58,"end":1321.46,"sentiment":"positive","sentiment_score":0.38013336807489395}],"sentiment":"neutral","sentiment_score":0.3211105465888977,"num_words":12,"start":1316.66,"end":1321.46},{"sentences":[{"text":"So I'm just updating both the fact lines individually because I have one for each of you, so just making sure it's all good across the board.","start":1321.46,"end":1328.245,"sentiment":"neutral","sentiment_score":0.24412776088273083},{"text":"Fantastic.","start":1328.465,"end":1328.965,"sentiment":"positive","sentiment_score":0.3767686188220978},{"text":"I've got contents noted down here.","start":1329.985,"end":1332.1449,"sentiment":"neutral","sentiment_score":0.1805383488535881},{"text":"So valuation of contents is about 282,500.","start":1332.1449,"end":1337.1849,"sentiment":"neutral","sentiment_score":0.07214133494666644},{"text":"Would you alter or change that valuation Yep.","start":1337.1849,"end":1342.9299,"sentiment":"neutral","sentiment_score":0.04503396013751626}],"sentiment":"neutral","sentiment_score":0.18197365880620722,"num_words":49,"start":1321.46,"end":1342.9299},{"sentences":[{"text":"Beautiful.","start":1344.83,"end":1345.33,"sentiment":"neutral","sentiment_score":0.2469687312841415},{"text":"And the new vehicle there as well.","start":1345.5499,"end":1347.5499,"sentiment":"neutral","sentiment_score":0.09508781880140305},{"text":"What kind of car is it?","start":1347.5499,"end":1349.01,"sentiment":"neutral","sentiment_score":0.0241519995033741},{"text":"Yep.","start":1351.87,"end":1352.37,"sentiment":"neutral","sentiment_score":0.033029355108737946},{"text":"C Line eight.","start":1352.75,"end":1353.835,"sentiment":"neutral","sentiment_score":0.03248897132774194}],"sentiment":"neutral","sentiment_score":0.06599954050034285,"num_words":18,"start":1344.83,"end":1353.835},{"sentences":[{"text":"Beautiful.","start":1353.835,"end":1354.335,"sentiment":"neutral","sentiment_score":0.16581112146377563},{"text":"And valuation of that vehicle?","start":1354.3949,"end":1356.255,"sentiment":"neutral","sentiment_score":0.05838648825883865},{"text":"70000.","start":1361.195,"end":1362.095,"sentiment":"neutral","sentiment_score":0.028667505830526352},{"text":"Beautiful.","start":1362.1549,"end":1362.6549,"sentiment":"neutral","sentiment_score":0.11956842988729476},{"text":"Excellent.","start":1363.195,"end":1363.695,"sentiment":"positive","sentiment_score":0.6201517581939697}],"sentiment":"neutral","sentiment_score":0.13623680629663998,"num_words":9,"start":1353.835,"end":1363.695},{"sentences":[{"text":"And that's a yeah.","start":1363.835,"end":1365.595,"sentiment":"neutral","sentiment_score":0.16017313301563263},{"text":"All good.","start":1365.595,"end":1366.075,"sentiment":"positive","sentiment_score":0.5061402320861816},{"text":"How much do you owe on that one?","start":1366.075,"end":1375.4,"sentiment":"neutral","sentiment_score":0.012311338039580733},{"text":"Yep.","start":1376.82,"end":1377.32,"sentiment":"neutral","sentiment_score":0.020784541964530945},{"text":"Yep.","start":1377.38,"end":1377.88,"sentiment":"neutral","sentiment_score":0.029529497027397156}],"sentiment":"neutral","sentiment_score":0.11261110872146674,"num_words":16,"start":1363.835,"end":1377.88},{"sentences":[{"text":"All good.","start":1378.26,"end":1379.08,"sentiment":"neutral","sentiment_score":0.15618519484996796},{"text":"Beautiful.","start":1380.1799,"end":1380.6799,"sentiment":"positive","sentiment_score":0.4341022968292236},{"text":"Okay.","start":1388.435,"end":1388.935,"sentiment":"neutral","sentiment_score":0.019697509706020355},{"text":"Yeah.","start":1389.875,"end":1390.375,"sentiment":"neutral","sentiment_score":0.029698006808757785},{"text":"That's it.","start":1390.5951,"end":1391.395,"sentiment":"neutral","sentiment_score":0.0382667426019907}],"sentiment":"neutral","sentiment_score":0.12462881260684558,"num_words":7,"start":1378.26,"end":1391.395},{"sentences":[{"text":"1.89% there.","start":1391.395,"end":1392.995,"sentiment":"neutral","sentiment_score":0.04139559715986252},{"text":"And then the BYD Shark was 1.99 percent.","start":1392.995,"end":1397.1,"sentiment":"neutral","sentiment_score":0.039833259768784046},{"text":"Yep.","start":1397.1,"end":1397.58,"sentiment":"neutral","sentiment_score":0.16329658031463623},{"text":"Beautiful.","start":1397.58,"end":1398.08,"sentiment":"positive","sentiment_score":0.5884726643562317},{"text":"They are really low interest rates.","start":1398.2999,"end":1399.98,"sentiment":"positive","sentiment_score":0.39988844593365985}],"sentiment":"neutral","sentiment_score":0.19736428848571247,"num_words":18,"start":1391.395,"end":1399.98},{"sentences":[{"text":"That's fantastic.","start":1399.98,"end":1400.72,"sentiment":"positive","sentiment_score":0.6263654828071594},{"text":"Almost unheard of.","start":1402.1399,"end":1405.2599,"sentiment":"neutral","sentiment_score":0.01878574040407936},{"text":"Yeah.","start":1405.2599,"end":1405.7599,"sentiment":"neutral","sentiment_score":-0.005548941902816296},{"text":"Is that financed with the the car yard?","start":1406.94,"end":1412.7649,"sentiment":"neutral","sentiment_score":0.012495136703364551},{"text":"Yeah.","start":1412.7649,"end":1413.1649,"sentiment":"neutral","sentiment_score":0.02262120507657528}],"sentiment":"neutral","sentiment_score":0.09507476957514882,"num_words":15,"start":1399.98,"end":1413.1649},{"sentences":[{"text":"Yep.","start":1413.1649,"end":1413.565,"sentiment":"neutral","sentiment_score":0.03923537954688072},{"text":"It does sound absolutely.","start":1413.565,"end":1417.105,"sentiment":"neutral","sentiment_score":0.03725794143974781},{"text":"It does absolutely.","start":1417.4049,"end":1420.465,"sentiment":"neutral","sentiment_score":0.02806314453482628},{"text":"But, no, that does sound like the car yard's interest rates, which is absolutely fine.","start":1420.725,"end":1425.12,"sentiment":"neutral","sentiment_score":0.02861578743904829},{"text":"Do you guys have balloons on those payments as well once they finish up, or is that completely paid down to nothing?","start":1425.12,"end":1431.3,"sentiment":"neutral","sentiment_score":-0.011457258285107937}],"sentiment":"neutral","sentiment_score":0.009991860182748901,"num_words":45,"start":1413.1649,"end":1431.3},{"sentences":[{"text":"Nothing.","start":1431.6,"end":1432.08,"sentiment":"neutral","sentiment_score":-0.02852800115942955},{"text":"Beautiful.","start":1432.08,"end":1432.58,"sentiment":"neutral","sentiment_score":0.010127145797014236},{"text":"No.","start":1435.28,"end":1435.68,"sentiment":"neutral","sentiment_score":0.019699204713106155},{"text":"All good.","start":1435.68,"end":1436.5,"sentiment":"neutral","sentiment_score":0.14196546748280525},{"text":"Fantastic.","start":1437.68,"end":1438.18,"sentiment":"neutral","sentiment_score":0.19197124242782593}],"sentiment":"neutral","sentiment_score":0.07953342112402122,"num_words":6,"start":1431.6,"end":1438.18},{"sentences":[{"text":"And you own both those cars in three years, or how often?","start":1438.3201,"end":1442.465,"sentiment":"neutral","sentiment_score":0.04063669747362534},{"text":"Yep.","start":1443.005,"end":1443.505,"sentiment":"neutral","sentiment_score":0.01608509197831154},{"text":"Perfect.","start":1446.6849,"end":1447.1849,"sentiment":"neutral","sentiment_score":0.09103626012802124},{"text":"So two years.","start":1448.6849,"end":1449.505,"sentiment":"neutral","sentiment_score":0.023771410807967186},{"text":"Yep.","start":1449.565,"end":1450.065,"sentiment":"neutral","sentiment_score":0.036233339458703995}],"sentiment":"neutral","sentiment_score":0.03901718298180236,"num_words":18,"start":1438.3201,"end":1450.065},{"sentences":[{"text":"To be owned.","start":1450.285,"end":1451.1849,"sentiment":"neutral","sentiment_score":0.0331600500891606},{"text":"And then three for the BYDC line.","start":1451.725,"end":1454.8301,"sentiment":"neutral","sentiment_score":0.04439282789826393},{"text":"Beautiful.","start":1454.8301,"end":1455.23,"sentiment":"neutral","sentiment_score":0.157332181930542},{"text":"Are they both electric cars?","start":1455.23,"end":1456.85,"sentiment":"neutral","sentiment_score":0.025016558170318604},{"text":"Hybrid.","start":1459.79,"end":1460.29,"sentiment":"neutral","sentiment_score":0.04156281054019928}],"sentiment":"neutral","sentiment_score":0.043188689933980215,"num_words":17,"start":1450.285,"end":1460.29},{"sentences":[{"text":"Yeah.","start":1461.55,"end":1462.05,"sentiment":"neutral","sentiment_score":0.0443507507443428},{"text":"Yeah.","start":1462.11,"end":1462.61,"sentiment":"neutral","sentiment_score":0.0493844673037529},{"text":"Yeah.","start":1465.55,"end":1465.9501,"sentiment":"neutral","sentiment_score":0.08999399840831757},{"text":"Absolutely.","start":1465.9501,"end":1466.4501,"sentiment":"neutral","sentiment_score":0.12047186493873596},{"text":"Yeah.","start":1466.5901,"end":1466.8301,"sentiment":"neutral","sentiment_score":0.0543893538415432}],"sentiment":"neutral","sentiment_score":0.07171808704733848,"num_words":5,"start":1461.55,"end":1466.8301},{"sentences":[{"text":"No.","start":1466.8301,"end":1466.99,"sentiment":"neutral","sentiment_score":0.0715121179819107},{"text":"I've got a Hyundai and it's hybrid, and I love it.","start":1466.99,"end":1470.245,"sentiment":"positive","sentiment_score":0.43833613937551325},{"text":"Driving an hour to work, it makes such a difference on fuel.","start":1470.245,"end":1474.085,"sentiment":"positive","sentiment_score":0.44673458486795425},{"text":"It's easy to fill up.","start":1474.085,"end":1475.125,"sentiment":"positive","sentiment_score":0.4326760768890381},{"text":"It drives most of the way electric, and it's just so much easier.","start":1475.125,"end":1478.745,"sentiment":"positive","sentiment_score":0.4229797308261578}],"sentiment":"positive","sentiment_score":0.42657479892174405,"num_words":42,"start":1466.8301,"end":1478.745},{"sentences":[{"text":"It works.","start":1480.085,"end":1480.665,"sentiment":"neutral","sentiment_score":0.1192043125629425},{"text":"It works.","start":1483.86,"end":1484.1799,"sentiment":"positive","sentiment_score":0.3357030153274536},{"text":"Fantastic.","start":1484.1799,"end":1484.34,"sentiment":"positive","sentiment_score":0.7321815490722656},{"text":"It's amazing, isn't it?","start":1484.34,"end":1485.3,"sentiment":"neutral","sentiment_score":0.29343081754632294},{"text":"Especially for us to feel all good.","start":1485.3,"end":1490.04,"sentiment":"neutral","sentiment_score":0.23126062777425563}],"sentiment":"neutral","sentiment_score":0.2771589918411337,"num_words":16,"start":1480.085,"end":1490.04},{"sentences":[{"text":"Excellent.","start":1490.82,"end":1491.32,"sentiment":"positive","sentiment_score":0.4458274841308594},{"text":"Now the other thing to sort of look at so we've updated all your assets and liabilities there.","start":1491.78,"end":1496.66,"sentiment":"neutral","sentiment_score":0.0439876387309697},{"text":"Is there anything else asset or liability wise that we should probably update or note down as anything different to what we had or anything new?","start":1496.66,"end":1504.635,"sentiment":"neutral","sentiment_score":0.015766052529215813},{"text":"No.","start":1511.495,"end":1511.8151,"sentiment":"neutral","sentiment_score":-0.03186285123229027},{"text":"Not that one.","start":1511.8151,"end":1512.535,"sentiment":"neutral","sentiment_score":-0.027600633601347607}],"sentiment":"neutral","sentiment_score":0.03128280806146106,"num_words":49,"start":1490.82,"end":1512.535},{"sentences":[{"text":"So the unit in Wollumburn, that's okay.","start":1512.535,"end":1515.15,"sentiment":"neutral","sentiment_score":0.005407420253115041},{"text":"Let's update that one.","start":1515.39,"end":1516.77,"sentiment":"neutral","sentiment_score":0.017754515632987022},{"text":"So that's a unit.","start":1516.8301,"end":1517.87,"sentiment":"neutral","sentiment_score":0.017233980121091008},{"text":"What sort of value would you put on that one?","start":1517.87,"end":1520.05,"sentiment":"neutral","sentiment_score":0.0066384342033416035},{"text":"Yeah.","start":1529.9501,"end":1530.315,"sentiment":"neutral","sentiment_score":0.007232894189655781}],"sentiment":"neutral","sentiment_score":0.009670121577353431,"num_words":26,"start":1512.535,"end":1530.315},{"sentences":[{"text":"Wow.","start":1530.3949,"end":1530.8949,"sentiment":"neutral","sentiment_score":0.0495029091835022},{"text":"Yep.","start":1531.595,"end":1532.075,"sentiment":"neutral","sentiment_score":0.07033880800008774},{"text":"Beautiful.","start":1532.075,"end":1532.575,"sentiment":"neutral","sentiment_score":0.13848274946212769},{"text":"And do you have a loan on that you've owned outright?","start":1532.955,"end":1535.615,"sentiment":"neutral","sentiment_score":0.003487783314829523},{"text":"Beautiful.","start":1535.7549,"end":1536.2549,"sentiment":"neutral","sentiment_score":-0.0025752000510692596}],"sentiment":"neutral","sentiment_score":0.019607658870518206,"num_words":15,"start":1530.3949,"end":1536.2549},{"sentences":[{"text":"Yep.","start":1537.7549,"end":1538.2549,"sentiment":"neutral","sentiment_score":-0.02038990706205368},{"text":"Okay.","start":1541.195,"end":1541.695,"sentiment":"neutral","sentiment_score":-0.005570866167545319},{"text":"Perfect.","start":1544.5549,"end":1545.03,"sentiment":"neutral","sentiment_score":0.02195134200155735},{"text":"Alright.","start":1548.87,"end":1549.37,"sentiment":"neutral","sentiment_score":0.053265850991010666},{"text":"Yep.","start":1549.8301,"end":1550.31,"sentiment":"neutral","sentiment_score":0.04323100671172142}],"sentiment":"neutral","sentiment_score":0.01849748529493809,"num_words":5,"start":1537.7549,"end":1550.31},{"sentences":[{"text":"Yep.","start":1550.31,"end":1550.79,"sentiment":"neutral","sentiment_score":0.04802107810974121},{"text":"Beautiful.","start":1550.79,"end":1551.29,"sentiment":"neutral","sentiment_score":0.28944021463394165},{"text":"Yep.","start":1553.91,"end":1554.41,"sentiment":"neutral","sentiment_score":0.1056971549987793},{"text":"Beautiful.","start":1555.51,"end":1556.01,"sentiment":"positive","sentiment_score":0.38288456201553345},{"text":"It's good as the canna for in the wheel.","start":1556.23,"end":1558.185,"sentiment":"positive","sentiment_score":0.3935474322901832}],"sentiment":"positive","sentiment_score":0.3359976846438188,"num_words":13,"start":1550.31,"end":1558.185},{"sentences":[{"text":"Is fantastic.","start":1558.3451,"end":1559.0851,"sentiment":"positive","sentiment_score":0.4951624870300293},{"text":"They're fully owned, and your parents are living in it.","start":1559.545,"end":1562.1051,"sentiment":"neutral","sentiment_score":0.1254740871489048},{"text":"Do they pay anything in rent or anything, or they're just living in it rent free?","start":1562.1051,"end":1565.885,"sentiment":"neutral","sentiment_score":0.002870761265512556},{"text":"Beautiful.","start":1566.425,"end":1566.925,"sentiment":"positive","sentiment_score":0.5332415103912354},{"text":"Yeah.","start":1568.7451,"end":1569.2451,"sentiment":"neutral","sentiment_score":0.1159948706626892}],"sentiment":"neutral","sentiment_score":0.09800781356170774,"num_words":30,"start":1558.3451,"end":1569.2451},{"sentences":[{"text":"Yes.","start":1570.425,"end":1570.7451,"sentiment":"neutral","sentiment_score":0.2034907341003418},{"text":"That's okay.","start":1570.7451,"end":1571.5651,"sentiment":"neutral","sentiment_score":0.32375991344451904},{"text":"That's absolutely fantastic.","start":1572.8251,"end":1574.69,"sentiment":"positive","sentiment_score":0.7696791887283325},{"text":"Beautiful.","start":1575.1499,"end":1575.6499,"sentiment":"positive","sentiment_score":0.7797562479972839},{"text":"Fantastic.","start":1576.2699,"end":1576.7699,"sentiment":"positive","sentiment_score":0.7325260639190674}],"sentiment":"positive","sentiment_score":0.5840413048863411,"num_words":8,"start":1570.425,"end":1576.7699},{"sentences":[{"text":"Thank you for updating that.","start":1576.9099,"end":1578.37,"sentiment":"positive","sentiment_score":0.6267251372337341},{"text":"And, Scott, you still have shares with BHP.","start":1578.6699,"end":1582.37,"sentiment":"neutral","sentiment_score":0.08014414459466934},{"text":"Do you still have those?","start":1582.59,"end":1583.71,"sentiment":"neutral","sentiment_score":0.055375096201896665},{"text":"You sort of mentioned that you are still having those purchased out of your wages every month or fortnight?","start":1583.71,"end":1589.305,"sentiment":"neutral","sentiment_score":0.01900947280228138},{"text":"Yep.","start":1590.3251,"end":1590.8251,"sentiment":"neutral","sentiment_score":0.10317230224609376}],"sentiment":"neutral","sentiment_score":0.11884227919539339,"num_words":38,"start":1576.9099,"end":1590.8251},{"sentences":[{"text":"Beautiful.","start":1591.4451,"end":1591.925,"sentiment":"neutral","sentiment_score":0.27400028705596924},{"text":"Do you know how many shares you have or what the current value of those are?","start":1591.925,"end":1595.705,"sentiment":"neutral","sentiment_score":0.04666649817954749},{"text":"80,000?","start":1598.085,"end":1598.905,"sentiment":"neutral","sentiment_score":0.0028510638512670994},{"text":"Yeah.","start":1602.725,"end":1602.885,"sentiment":"neutral","sentiment_score":-0.0032505416311323643},{"text":"That's okay.","start":1602.885,"end":1609.6599,"sentiment":"neutral","sentiment_score":-0.016785703133791685}],"sentiment":"neutral","sentiment_score":0.04698539875625145,"num_words":21,"start":1591.4451,"end":1609.6599},{"sentences":[{"text":"Oh, that's fantastic, isn't it?","start":1649.675,"end":1651.775,"sentiment":"neutral","sentiment_score":0.22670385837554932},{"text":"Yeah.","start":1653.515,"end":1654.015,"sentiment":"neutral","sentiment_score":0.01684458553791046},{"text":"80 8,000?","start":1655.355,"end":1656.3351,"sentiment":"neutral","sentiment_score":0.010648550931364298},{"text":"Beautiful.","start":1656.395,"end":1656.895,"sentiment":"neutral","sentiment_score":0.06111063063144684},{"text":"So that's the 80 eight thousand.","start":1661.5599,"end":1663.1799,"sentiment":"neutral","sentiment_score":0.003477172382796804}],"sentiment":"neutral","sentiment_score":0.08357564294710755,"num_words":15,"start":1649.675,"end":1663.1799},{"sentences":[{"text":"80 thousand.","start":1671.1599,"end":1671.48,"sentiment":"neutral","sentiment_score":0.001414737431332469},{"text":"Do you want me to rounded off to 80,000 knowing it could definitely change in the future.","start":1671.48,"end":1675.575,"sentiment":"neutral","sentiment_score":0.03206208419493016},{"text":"Yeah.","start":1675.575,"end":1675.815,"sentiment":"neutral","sentiment_score":0.05547548830509186},{"text":"That's Absolutely.","start":1675.815,"end":1676.715,"sentiment":"neutral","sentiment_score":0.09428725391626358},{"text":"Yeah.","start":1679.735,"end":1680.135,"sentiment":"neutral","sentiment_score":0.2769728899002075}],"sentiment":"neutral","sentiment_score":0.04647425183540453,"num_words":23,"start":1671.1599,"end":1680.135},{"sentences":[{"text":"Beautiful.","start":1680.135,"end":1680.615,"sentiment":"positive","sentiment_score":0.7224369645118713},{"text":"And with those shares, is the intention just to keep holding them until you need to sell them down the track maybe in retirement?","start":1680.615,"end":1687.195,"sentiment":"neutral","sentiment_score":0.08945452612048636},{"text":"Or yep.","start":1687.32,"end":1689.1,"sentiment":"neutral","sentiment_score":0.06015561055392027},{"text":"Yep.","start":1689.3999,"end":1689.8999,"sentiment":"neutral","sentiment_score":0.11333225667476654},{"text":"Yep.","start":1695.5599,"end":1696.0599,"sentiment":"neutral","sentiment_score":0.3209773898124695}],"sentiment":"neutral","sentiment_score":0.11806780893098691,"num_words":29,"start":1680.135,"end":1696.0599},{"sentences":[{"text":"Beautiful.","start":1696.2799,"end":1696.7799,"sentiment":"positive","sentiment_score":0.6522375345230103},{"text":"When we look at sort of those sorts of shares and things, realistically, selling them when you're younger, when you're still working, obviously, there's a CGT effect there for you.","start":1697.48,"end":1705.395,"sentiment":"neutral","sentiment_score":0.16354420483112336},{"text":"So if you can hold on to them and don't have to sell them until you get to retirement, then we can look at a way to sell them in retirement.","start":1705.395,"end":1711.815,"sentiment":"neutral","sentiment_score":0.13723091853241767},{"text":"So you're hopefully on a lower tax rate, which can affect make the CGT lesser, and also maybe selling them down in increments so that we can do it in proportions as well.","start":1711.955,"end":1721.92,"sentiment":"neutral","sentiment_score":0.15282366887638063},{"text":"So down the track when that comes, we can always help them look at that for you.","start":1721.92,"end":1725.7001,"sentiment":"neutral","sentiment_score":0.15554623042835908}],"sentiment":"neutral","sentiment_score":0.15625168878718146,"num_words":112,"start":1696.2799,"end":1725.7001},{"sentences":[{"text":"Okay?","start":1725.8401,"end":1726.3401,"sentiment":"neutral","sentiment_score":0.1455305516719818},{"text":"Excellent.","start":1727.705,"end":1728.205,"sentiment":"positive","sentiment_score":0.5941656827926636},{"text":"Beautiful.","start":1728.345,"end":1728.845,"sentiment":"positive","sentiment_score":0.601459264755249},{"text":"So I've got everything basically here.","start":1729.385,"end":1731.545,"sentiment":"neutral","sentiment_score":0.15141243239243826},{"text":"You mentioned, sorry, with the Willumburn unit.","start":1731.545,"end":1733.705,"sentiment":"neutral","sentiment_score":-0.0011206391666616713}],"sentiment":"neutral","sentiment_score":0.14011160121299326,"num_words":16,"start":1725.8401,"end":1733.705},{"sentences":[{"text":"Now that isn't a will.","start":1733.705,"end":1735.085,"sentiment":"neutral","sentiment_score":-0.0721321500837803},{"text":"There's no kind of what happens to that property when your parents pass away, and I'm sorry to sort of touch on that.","start":1736.425,"end":1743.5599,"sentiment":"neutral","sentiment_score":-0.09304882521214693},{"text":"Is the intention to then keep it and rent it out, or what sort of is meant to happen to that in the future?","start":1743.86,"end":1748.9199,"sentiment":"neutral","sentiment_score":-0.007680042569215099},{"text":"Yes.","start":1752.1,"end":1752.6,"sentiment":"neutral","sentiment_score":0.001031622290611267},{"text":"Yes.","start":1758.34,"end":1758.645,"sentiment":"neutral","sentiment_score":0.06900295615196228}],"sentiment":"neutral","sentiment_score":-0.04842722543549759,"num_words":54,"start":1733.705,"end":1758.645},{"sentences":[{"text":"Okay.","start":1763.045,"end":1763.545,"sentiment":"neutral","sentiment_score":0.03818338364362717},{"text":"So possibility to sell in the future.","start":1764.165,"end":1766.905,"sentiment":"neutral","sentiment_score":0.02895721686737878},{"text":"That's a long time in the future.","start":1768.885,"end":1771.125,"sentiment":"neutral","sentiment_score":0.12026284209319524},{"text":"Your parents have a nice long life ahead of them.","start":1771.125,"end":1773.74,"sentiment":"neutral","sentiment_score":0.2740794956684113},{"text":"That's what we want.","start":1773.74,"end":1774.88,"sentiment":"neutral","sentiment_score":0.2780405916273594}],"sentiment":"neutral","sentiment_score":0.17019590067452398,"num_words":29,"start":1763.045,"end":1774.88},{"sentences":[{"text":"Beautiful.","start":1776.62,"end":1777.12,"sentiment":"neutral","sentiment_score":0.1121671348810196},{"text":"Yep.","start":1781.74,"end":1782.24,"sentiment":"neutral","sentiment_score":0.011428690515458584},{"text":"Yep.","start":1782.86,"end":1783.11,"sentiment":"neutral","sentiment_score":0.013967121951282024},{"text":"Yep.","start":1783.11,"end":1783.61,"sentiment":"neutral","sentiment_score":0.023541100323200222},{"text":"No.","start":1784.4349,"end":1784.755,"sentiment":"neutral","sentiment_score":0.015931276604533195}],"sentiment":"neutral","sentiment_score":0.03540706485509872,"num_words":5,"start":1776.62,"end":1784.755},{"sentences":[{"text":"That's okay.","start":1784.755,"end":1785.5549,"sentiment":"neutral","sentiment_score":0.105068139731884},{"text":"Not a problem at all.","start":1785.5549,"end":1786.835,"sentiment":"neutral","sentiment_score":0.3303107738494873},{"text":"Excellent.","start":1786.835,"end":1787.235,"sentiment":"positive","sentiment_score":0.7014422416687012},{"text":"Well, thank you for updating those.","start":1787.235,"end":1788.9349,"sentiment":"positive","sentiment_score":0.6161314646402994},{"text":"Now just sort of re going back to the estate planning side of things, last time we sort of touched base with both of you, both confirmed you had an upstate will and power of attorneys.","start":1789.7949,"end":1799.0901,"sentiment":"neutral","sentiment_score":0.10230886770619287}],"sentiment":"neutral","sentiment_score":0.1988608083128929,"num_words":50,"start":1784.755,"end":1799.0901},{"sentences":[{"text":"Do those documents, have they been reviewed in the past?","start":1799.31,"end":1802.2101,"sentiment":"neutral","sentiment_score":0.025975496973842382},{"text":"Are they still do do you know are they still reflective of your current circumstances?","start":1802.27,"end":1806.61,"sentiment":"neutral","sentiment_score":0.005651443699995677},{"text":"Do you feel like they need to be updated at all?","start":1806.8301,"end":1810.815,"sentiment":"neutral","sentiment_score":-0.03401429934257811},{"text":"Nope.","start":1812.235,"end":1812.735,"sentiment":"neutral","sentiment_score":-0.09035831689834596},{"text":"Yes?","start":1813.835,"end":1814.335,"sentiment":"neutral","sentiment_score":-0.00030110031366348267}],"sentiment":"neutral","sentiment_score":-0.0031655285458423595,"num_words":38,"start":1799.31,"end":1814.335},{"sentences":[{"text":"Beautiful.","start":1816.075,"end":1816.575,"sentiment":"neutral","sentiment_score":0.05384436249732971},{"text":"No.","start":1816.955,"end":1817.355,"sentiment":"neutral","sentiment_score":0.02031244710087776},{"text":"Beautiful.","start":1817.355,"end":1817.755,"sentiment":"neutral","sentiment_score":0.30139410495758057},{"text":"I love that.","start":1817.755,"end":1820.575,"sentiment":"positive","sentiment_score":0.5267208715279897},{"text":"Yeah.","start":1835.56,"end":1836.06,"sentiment":"neutral","sentiment_score":0.07879243791103363}],"sentiment":"neutral","sentiment_score":0.2906437095786844,"num_words":7,"start":1816.075,"end":1836.06},{"sentences":[{"text":"Lovely.","start":1836.36,"end":1836.645,"sentiment":"neutral","sentiment_score":0.15997961163520813},{"text":"Yeah.","start":1838.005,"end":1838.505,"sentiment":"neutral","sentiment_score":0.1617312729358673},{"text":"Lovely.","start":1838.5651,"end":1839.0651,"sentiment":"positive","sentiment_score":0.4212181270122528},{"text":"Excellent.","start":1839.125,"end":1839.625,"sentiment":"positive","sentiment_score":0.49819380044937134},{"text":"All good.","start":1839.925,"end":1840.665,"sentiment":"positive","sentiment_score":0.4577208310365677}],"sentiment":"positive","sentiment_score":0.3594274123509725,"num_words":6,"start":1836.36,"end":1840.665},{"sentences":[{"text":"And now your daughter, she is is she older than 18 or under 18?","start":1841.285,"end":1845.525,"sentiment":"neutral","sentiment_score":0.04033325958464827},{"text":"How old is she?","start":1845.525,"end":1846.665,"sentiment":"neutral","sentiment_score":0.003700762754306197},{"text":"28.","start":1848.5651,"end":1849.2051,"sentiment":"neutral","sentiment_score":0.05296169593930245},{"text":"Beautiful.","start":1849.2051,"end":1849.685,"sentiment":"neutral","sentiment_score":0.30700773000717163},{"text":"Working nontax nonfinancial dependent.","start":1849.685,"end":1852.03,"sentiment":"neutral","sentiment_score":0.1411784626543522}],"sentiment":"neutral","sentiment_score":0.06267299840692431,"num_words":24,"start":1841.285,"end":1852.03},{"sentences":[{"text":"Do you guys still help her in any way?","start":1852.03,"end":1854.09,"sentiment":"neutral","sentiment_score":0.09133794572618273},{"text":"Independent?","start":1857.83,"end":1858.33,"sentiment":"neutral","sentiment_score":0.03866240754723549},{"text":"Lovely.","start":1858.79,"end":1859.29,"sentiment":"neutral","sentiment_score":0.23589831590652463},{"text":"Oh, beautiful.","start":1862.95,"end":1863.53,"sentiment":"neutral","sentiment_score":0.3091017156839371},{"text":"Rancho.","start":1864.71,"end":1865.21,"sentiment":"neutral","sentiment_score":0.15058128535747528}],"sentiment":"neutral","sentiment_score":0.13324192512248242,"num_words":14,"start":1852.03,"end":1865.21},{"sentences":[{"text":"Excellent.","start":1865.735,"end":1866.235,"sentiment":"neutral","sentiment_score":0.2107623666524887},{"text":"Do you have a boy, girl?","start":1866.4551,"end":1867.915,"sentiment":"neutral","sentiment_score":-0.004201472426454225},{"text":"No.","start":1870.375,"end":1870.775,"sentiment":"neutral","sentiment_score":-0.07294799387454987},{"text":"No.","start":1870.775,"end":1871.0951,"sentiment":"neutral","sentiment_score":-0.09685677289962769},{"text":"So I'm quite not.","start":1871.0951,"end":1872.135,"sentiment":"neutral","sentiment_score":-0.10338426381349564}],"sentiment":"neutral","sentiment_score":-0.030599099225722827,"num_words":13,"start":1865.735,"end":1872.135},{"sentences":[{"text":"I've got my eldest two, 19 and 20, and my youngest is 10, so we're not quite there yet.","start":1872.135,"end":1878.03,"sentiment":"neutral","sentiment_score":-0.0003473165959708001},{"text":"We had a third a few years apart.","start":1878.11,"end":1880.29,"sentiment":"neutral","sentiment_score":0.042395226657390594},{"text":"But he is honestly really cool.","start":1881.0701,"end":1882.8301,"sentiment":"positive","sentiment_score":0.45791468024253845},{"text":"I kind of like the boy as well as having girls.","start":1882.8301,"end":1885.55,"sentiment":"neutral","sentiment_score":0.26956911385059357},{"text":"It's a very different vibe.","start":1885.55,"end":1887.17,"sentiment":"neutral","sentiment_score":0.03152957782149315}],"sentiment":"neutral","sentiment_score":0.1265910004256103,"num_words":49,"start":1872.135,"end":1887.17},{"sentences":[{"text":"No.","start":1889.55,"end":1889.79,"sentiment":"neutral","sentiment_score":0.0016265623271465302},{"text":"That's beautiful.","start":1889.79,"end":1890.525,"sentiment":"neutral","sentiment_score":0.28873251378536224},{"text":"Yeah.","start":1892.925,"end":1893.165,"sentiment":"neutral","sentiment_score":0.09253059327602386},{"text":"How do you like being grandparents?","start":1893.165,"end":1894.7051,"sentiment":"neutral","sentiment_score":0.11593281601866086},{"text":"I've always sort of thought, like, I'm sure that's coming up in the horizon for me, but how do you guys feel being grandparents?","start":1895.005,"end":1900.305,"sentiment":"neutral","sentiment_score":0.07610249565914273}],"sentiment":"neutral","sentiment_score":0.09393173456192017,"num_words":34,"start":1889.55,"end":1900.305},{"sentences":[{"text":"How do you like it?","start":1900.365,"end":1901.165,"sentiment":"neutral","sentiment_score":0.22280088663101197},{"text":"What's the the vibe feel?","start":1901.165,"end":1903.505,"sentiment":"neutral","sentiment_score":0.24900683909654617},{"text":"I bet.","start":1905.165,"end":1905.905,"sentiment":"positive","sentiment_score":0.5267366617918015},{"text":"Oh, you get to say yes.","start":1907.8201,"end":1909.2001,"sentiment":"neutral","sentiment_score":0.20799515396356583},{"text":"Oh, I love that.","start":1918.7001,"end":1919.74,"sentiment":"positive","sentiment_score":0.337882824242115}],"sentiment":"neutral","sentiment_score":0.27327337149869313,"num_words":22,"start":1900.365,"end":1919.74},{"sentences":[{"text":"You get to say yes all the time when mom would probably say no.","start":1919.74,"end":1922.825,"sentiment":"neutral","sentiment_score":0.15435043456298964},{"text":"Oh, that is absolutely beautiful.","start":1924.885,"end":1926.825,"sentiment":"positive","sentiment_score":0.7235485196113587},{"text":"I love that.","start":1926.885,"end":1927.5249,"sentiment":"positive","sentiment_score":0.8440982699394226},{"text":"That's fantastic.","start":1927.5249,"end":1928.345,"sentiment":"positive","sentiment_score":0.8244686126708984},{"text":"And beneficiary wise, in the event of passing, am I correct in assuming that if anything happened to either of you that you just want each other to receive the super benefits and any life portions paid out.","start":1929.5249,"end":1941.04,"sentiment":"neutral","sentiment_score":0.09763689917561255}],"sentiment":"neutral","sentiment_score":0.2204852078350321,"num_words":62,"start":1919.74,"end":1941.04},{"sentences":[{"text":"Is that correct?","start":1941.04,"end":1941.86,"sentiment":"neutral","sentiment_score":0.07504018644491832},{"text":"Yep.","start":1943.28,"end":1943.68,"sentiment":"neutral","sentiment_score":0.1062772199511528},{"text":"Beautiful.","start":1943.68,"end":1944.0801,"sentiment":"neutral","sentiment_score":0.286864310503006},{"text":"I know I had all of this in your last two advice documents, but because I'm doing it again, I'm gonna update all those aspects as well.","start":1944.0801,"end":1951.2001,"sentiment":"neutral","sentiment_score":0.06343344985334962},{"text":"So this will be a pretty big advice piece, but that's absolutely fine.","start":1951.2001,"end":1954.715,"sentiment":"neutral","sentiment_score":0.050011252554563373}],"sentiment":"neutral","sentiment_score":0.06624692264530394,"num_words":45,"start":1941.04,"end":1954.715},{"sentences":[{"text":"It'll touch base on everything we've gone through and just update all of your circumstances as well.","start":1954.715,"end":1959.195,"sentiment":"neutral","sentiment_score":0.06434330234632772},{"text":"Okay?","start":1959.195,"end":1959.695,"sentiment":"neutral","sentiment_score":0.03333445265889168},{"text":"It's yeah.","start":1961.355,"end":1967.2949,"sentiment":"neutral","sentiment_score":0.019881735555827618},{"text":"Yeah.","start":1967.89,"end":1967.97,"sentiment":"neutral","sentiment_score":0.07776759564876556},{"text":"Absolutely.","start":1967.97,"end":1968.37,"sentiment":"neutral","sentiment_score":0.13587181270122528}],"sentiment":"neutral","sentiment_score":0.06275333963673223,"num_words":22,"start":1954.715,"end":1968.37},{"sentences":[{"text":"Definitely.","start":1968.37,"end":1968.87,"sentiment":"neutral","sentiment_score":0.16408996284008026},{"text":"And that's the other thing I sorta wanted to touch base on was something I couldn't sorta touch base on before.","start":1969.09,"end":1974.21,"sentiment":"neutral","sentiment_score":0.05879775000115236},{"text":"So, obviously, with, Scott, you're and you're comfortable I just have to confirm, Scott, you're comfortable with me talking about your super.","start":1974.21,"end":1981.495,"sentiment":"neutral","sentiment_score":0.1017718780785799},{"text":"Are you happy with this?","start":1981.495,"end":1982.9349,"sentiment":"neutral","sentiment_score":0.14963075518608093},{"text":"Yep.","start":1982.9349,"end":1983.255,"sentiment":"neutral","sentiment_score":0.10483859479427338}],"sentiment":"neutral","sentiment_score":0.08981632802635431,"num_words":50,"start":1968.37,"end":1983.255},{"sentences":[{"text":"Perfect.","start":1983.255,"end":1983.575,"sentiment":"neutral","sentiment_score":0.25220945477485657},{"text":"Lisa, you're happy with me talking about your super balances and things?","start":1983.575,"end":1986.535,"sentiment":"neutral","sentiment_score":0.08906337277342875},{"text":"Yep.","start":1986.535,"end":1986.775,"sentiment":"neutral","sentiment_score":0.07506267726421356},{"text":"Perfect.","start":1986.775,"end":1987.275,"sentiment":"neutral","sentiment_score":0.18160337209701535},{"text":"Just wanna make sure I did the right thing by both.","start":1987.735,"end":1990.155,"sentiment":"neutral","sentiment_score":0.016283744099465283}],"sentiment":"neutral","sentiment_score":0.06756758317351341,"num_words":26,"start":1983.255,"end":1990.155},{"sentences":[{"text":"Essentially, with your super so, Scott, you're in Hub 24 at the moment.","start":1991.975,"end":1995.975,"sentiment":"neutral","sentiment_score":0.09435802784103614},{"text":"And one of the things, when we sort of did your advice, Lisa, we did recommend moving into Hub 24.","start":1995.975,"end":2000.7699,"sentiment":"neutral","sentiment_score":0.1326855581253767},{"text":"One of the things I was not able to recommend at the time because I didn't have both of you there was linking your supers together.","start":2001.1499,"end":2007.01,"sentiment":"neutral","sentiment_score":-0.1566862087123669},{"text":"This is actually great because we can talk about that.","start":2007.3099,"end":2009.725,"sentiment":"positive","sentiment_score":0.6417996764183045},{"text":"Essentially, what we do, if I recommend it, I probably will because it works out better, but I will still do my due diligence and go back and reassess.","start":2009.725,"end":2017.265,"sentiment":"neutral","sentiment_score":0.1566344784765408}],"sentiment":"neutral","sentiment_score":0.10986653814206318,"num_words":98,"start":1991.975,"end":2017.265},{"sentences":[{"text":"But in the back end, we can link your super accounts within Hub twenty four under what's called a family fee aggregation.","start":2017.325,"end":2023.1849,"sentiment":"neutral","sentiment_score":0.14121259579604323},{"text":"That links everything in the back end, and that means whenever you guys log in to your Hub 24, you can see both of your supers sitting there.","start":2023.76,"end":2031.2201,"sentiment":"neutral","sentiment_score":0.219779088561024},{"text":"You'll see both of your super balances.","start":2031.28,"end":2033.06,"sentiment":"neutral","sentiment_score":0.20372516768319265},{"text":"You can cross between the two.","start":2033.12,"end":2034.8201,"sentiment":"neutral","sentiment_score":0.21471319844325384},{"text":"But doing that gives you the benefit of lowering your admin fees in the back end.","start":2035.2001,"end":2039.265,"sentiment":"positive","sentiment_score":0.415906036272645}],"sentiment":"neutral","sentiment_score":0.23581447508893436,"num_words":79,"start":2017.325,"end":2039.265},{"sentences":[{"text":"So you get discounts on administration fees and things like that.","start":2039.425,"end":2042.545,"sentiment":"positive","sentiment_score":0.5601225739175623},{"text":"It can actually reduce your fees, Scott, even more than what they have.","start":2042.545,"end":2046.485,"sentiment":"positive","sentiment_score":0.5754264501424936},{"text":"And then, obviously, it helps to reduce leases fees as much as possible as well.","start":2047.025,"end":2051.745,"sentiment":"positive","sentiment_score":0.3757299780845642},{"text":"Are you both comfortable with me doing that?","start":2051.745,"end":2053.68,"sentiment":"neutral","sentiment_score":0.14591223746538162},{"text":"Yep.","start":2055.3599,"end":2055.76,"sentiment":"neutral","sentiment_score":0.3310682773590088}],"sentiment":"positive","sentiment_score":0.4328376669436693,"num_words":48,"start":2039.425,"end":2055.76},{"sentences":[{"text":"Beautiful.","start":2055.76,"end":2056.26,"sentiment":"positive","sentiment_score":0.625777006149292},{"text":"There's another thing I do like to do when I'm talking to couples together as well, and I sort of initially plan to come back and talk to you about it as well.","start":2056.8,"end":2064.8198,"sentiment":"neutral","sentiment_score":0.2658395311146071},{"text":"But we can also add what's called a third party ex sorry.","start":2064.96,"end":2069.695,"sentiment":"neutral","sentiment_score":0.09686403317997853},{"text":"Third an external third party authority.","start":2069.695,"end":2072.115,"sentiment":"neutral","sentiment_score":0.0748472586274147},{"text":"That essentially means that we put that on file for both of you.","start":2072.8152,"end":2075.935,"sentiment":"neutral","sentiment_score":0.14662056072400168}],"sentiment":"neutral","sentiment_score":0.198707704188732,"num_words":65,"start":2055.76,"end":2075.935},{"sentences":[{"text":"So if something happens, it means that, Lisa, you can call and talk to us about Scott Cooper and get information and reports and things like that.","start":2075.935,"end":2082.9001,"sentiment":"neutral","sentiment_score":0.16490305463473},{"text":"But it also means, Scott, you can do that for laces.","start":2082.9602,"end":2085.2202,"sentiment":"neutral","sentiment_score":0.11611492864110252},{"text":"I like to kind of put that for because if one of you unwell in hospital or something's happening, it means that you can call and talk to us.","start":2085.6,"end":2092.58,"sentiment":"neutral","sentiment_score":0.13853805717723122},{"text":"You can't make changes on each other's behalf, but it does mean that we can sort of liaise with each of you, and it tends to work really well for couples.","start":2092.6401,"end":2100.5151,"sentiment":"neutral","sentiment_score":0.16789142278233363},{"text":"Would you like us to apply that to this to our file for each of you as well?","start":2100.5151,"end":2105.415,"sentiment":"neutral","sentiment_score":0.1446165144443512}],"sentiment":"neutral","sentiment_score":0.15133604926362249,"num_words":116,"start":2075.935,"end":2105.415},{"sentences":[{"text":"Yep.","start":2106.995,"end":2107.395,"sentiment":"neutral","sentiment_score":0.3242954611778259},{"text":"Beautiful.","start":2107.395,"end":2107.895,"sentiment":"positive","sentiment_score":0.7701069116592407},{"text":"Lovely.","start":2108.2751,"end":2108.7751,"sentiment":"positive","sentiment_score":0.7835822105407715},{"text":"I'll get those done up and sent through to you guys before we do the advice.","start":2109.13,"end":2113.8499,"sentiment":"positive","sentiment_score":0.4746919088065624},{"text":"So that way, we can have them set up on the file.","start":2113.8499,"end":2116.25,"sentiment":"positive","sentiment_score":0.3667549093564351}],"sentiment":"positive","sentiment_score":0.4475520656954858,"num_words":31,"start":2106.995,"end":2116.25},{"sentences":[{"text":"That way, in the meantime, if any of you have any questions or need anything, you can still liaise with us.","start":2116.25,"end":2121.4749,"sentiment":"neutral","sentiment_score":0.32840625586963834},{"text":"The e t p a is on file and active for the each of you.","start":2121.4749,"end":2124.835,"sentiment":"neutral","sentiment_score":0.1641580899556478},{"text":"Okay?","start":2124.835,"end":2125.335,"sentiment":"neutral","sentiment_score":0.11858675628900528},{"text":"Beautiful.","start":2127.2349,"end":2127.7349,"sentiment":"positive","sentiment_score":0.6762001514434814},{"text":"Excellent.","start":2127.875,"end":2128.375,"sentiment":"positive","sentiment_score":0.6343820691108704}],"sentiment":"neutral","sentiment_score":0.2766172230625764,"num_words":39,"start":2116.25,"end":2128.375},{"sentences":[{"text":"As I kinda mentioned before, we do have a new there are new AML legislative requirements.","start":2128.835,"end":2135.175,"sentiment":"neutral","sentiment_score":0.04051793355029076},{"text":"So before providing the advice, now I do have to get a copy of your ID, Lisa.","start":2135.395,"end":2140.27,"sentiment":"neutral","sentiment_score":0.0068417471997878135},{"text":"So I'm gonna send through a link, and so it looks like your ID on file has expired as well.","start":2140.33,"end":2146.6702,"sentiment":"neutral","sentiment_score":-0.007952434569597244},{"text":"So what I'm gonna do is I've gotta generate a link to send through to you both just to get an AML completed to get your ID done.","start":2146.73,"end":2159.365,"sentiment":"neutral","sentiment_score":0.08858424584780421},{"text":"I'll see if I can log in to this for you while I have you on the phone here because it's the first time I've actually used this.","start":2159.365,"end":2165.525,"sentiment":"neutral","sentiment_score":0.07199576191071953}],"sentiment":"neutral","sentiment_score":0.04680539600961252,"num_words":109,"start":2128.835,"end":2165.525},{"sentences":[{"text":"I do apologize.","start":2165.525,"end":2166.4248,"sentiment":"neutral","sentiment_score":-0.05108308667937914},{"text":"Beautiful.","start":2171.0598,"end":2171.5598,"sentiment":"positive","sentiment_score":0.42568790912628174},{"text":"So this is just a secure way.","start":2172.5,"end":2174.0198,"sentiment":"neutral","sentiment_score":0.26843119519097464},{"text":"So what we used to do is we used to just ask you via text message or email to provide a copy of your ID.","start":2174.0198,"end":2180.1199,"sentiment":"neutral","sentiment_score":0.12472612887620926},{"text":"Doing it this way is much more secure for you both.","start":2180.66,"end":2184.275,"sentiment":"neutral","sentiment_score":0.2642202438278632}],"sentiment":"neutral","sentiment_score":0.1739581472220573,"num_words":47,"start":2165.525,"end":2184.275},{"sentences":[{"text":"It's essentially the system sends you an email link.","start":2184.495,"end":2187.855,"sentiment":"neutral","sentiment_score":0.20336941878000894},{"text":"It asks you to follow the prompt just to take, like, photos of your back in front of your ID and generally yourself as well.","start":2187.855,"end":2194.675,"sentiment":"neutral","sentiment_score":0.21377389430999755},{"text":"And this way, it's much more secure, so we're not getting anything via text message.","start":2195.33,"end":2199.59,"sentiment":"neutral","sentiment_score":0.17240901961922644},{"text":"This is all approved by the f triple a, so the Financial Planning Association of Australia in unison with ASIC.","start":2199.8901,"end":2205.83,"sentiment":"neutral","sentiment_score":0.20520208179950714},{"text":"So it's much better for you to do it this way.","start":2206.37,"end":2208.87,"sentiment":"positive","sentiment_score":0.35087788105010986}],"sentiment":"neutral","sentiment_score":0.2215563218574971,"num_words":80,"start":2184.495,"end":2208.87},{"sentences":[{"text":"I'm just gonna go in, sorry, and set it up because I have to prompt it to send through to you, and I've gotta answer a couple of questions to begin with.","start":2209.57,"end":2218.355,"sentiment":"neutral","sentiment_score":0.02007070742547512},{"text":"Sorry.","start":2220.495,"end":2220.735,"sentiment":"neutral","sentiment_score":-0.10585704445838928},{"text":"It won't be two seconds.","start":2220.735,"end":2222.0151,"sentiment":"neutral","sentiment_score":-0.1833897829055786},{"text":"Just logging in.","start":2222.0151,"end":2223.155,"sentiment":"neutral","sentiment_score":-0.12318049867947896},{"text":"My computer's a little bit slow this afternoon.","start":2223.455,"end":2225.78,"sentiment":"neutral","sentiment_score":-0.32534056529402733}],"sentiment":"neutral","sentiment_score":-0.0684246804033007,"num_words":49,"start":2209.57,"end":2225.78},{"sentences":[{"text":"There we go.","start":2226.8801,"end":2227.78,"sentiment":"neutral","sentiment_score":-0.13104328016440073},{"text":"Oh, it's not working.","start":2230.1602,"end":2231.3,"sentiment":"neutral","sentiment_score":-0.2644912451505661},{"text":"Sorry.","start":2234.08,"end":2234.4001,"sentiment":"neutral","sentiment_score":-0.23298504948616028},{"text":"It's still telling me there's an error.","start":2234.4001,"end":2236.26,"sentiment":"negative","sentiment_score":-0.3364318907260895},{"text":"I had trouble I was logging into this yesterday to test it for you before I sent it through, but it's still causing a problem for me.","start":2237.115,"end":2245.615,"sentiment":"neutral","sentiment_score":-0.2683242189663428}],"sentiment":"neutral","sentiment_score":-0.2686632623275121,"num_words":42,"start":2226.8801,"end":2245.615},{"sentences":[{"text":"Come on there.","start":2246.875,"end":2247.775,"sentiment":"neutral","sentiment_score":-0.15440011272827783},{"text":"Alright.","start":2251.115,"end":2251.56,"sentiment":"neutral","sentiment_score":-0.014180360361933708},{"text":"Still not working.","start":2251.6401,"end":2252.46,"sentiment":"neutral","sentiment_score":-0.10009025533994038},{"text":"Done.","start":2253.1602,"end":2253.6602,"sentiment":"neutral","sentiment_score":0.05124957486987114},{"text":"That's okay.","start":2254.28,"end":2255.02,"sentiment":"neutral","sentiment_score":0.14437754452228546}],"sentiment":"neutral","sentiment_score":-0.04376468006521463,"num_words":10,"start":2246.875,"end":2255.02},{"sentences":[{"text":"If it's okay, I will get this updated.","start":2255.56,"end":2258.28,"sentiment":"neutral","sentiment_score":0.1938333921134472},{"text":"There seems to be a problem with the login, and I think it's on the end of the the system.","start":2258.28,"end":2262.54,"sentiment":"neutral","sentiment_score":-0.24871279001235963},{"text":"If it's okay, can I get Maddie to follow-up with you both just to kinda send that link out and get a copy of your ID organized through price, the advice being completed?","start":2263.24,"end":2273.335,"sentiment":"neutral","sentiment_score":0.06890351031765793},{"text":"Is that absolutely okay with either of you?","start":2273.335,"end":2275.515,"sentiment":"neutral","sentiment_score":0.06798685761168599},{"text":"Yep.","start":2276.295,"end":2276.795,"sentiment":"neutral","sentiment_score":0.04610581696033478}],"sentiment":"neutral","sentiment_score":-0.007996744928615435,"num_words":70,"start":2255.56,"end":2276.795},{"sentences":[{"text":"Fantastic.","start":2277.095,"end":2277.595,"sentiment":"positive","sentiment_score":0.4546186327934265},{"text":"I'm so sorry about that.","start":2277.7349,"end":2278.95,"sentiment":"neutral","sentiment_score":0.11698541790246964},{"text":"I love technology when it wants to work for us.","start":2279.1099,"end":2283.69,"sentiment":"positive","sentiment_score":0.3911139518022537},{"text":"All good.","start":2283.75,"end":2284.49,"sentiment":"positive","sentiment_score":0.5370149314403534},{"text":"Now the other thing to have a chat about is the insurance side of things as well.","start":2284.8699,"end":2288.79,"sentiment":"neutral","sentiment_score":0.15422084226327784}],"sentiment":"neutral","sentiment_score":0.24704198347670692,"num_words":35,"start":2277.095,"end":2288.79},{"sentences":[{"text":"So in the original advice piece, so, Lisa, with your advice piece, you have your life, your TBD.","start":2288.79,"end":2295.495,"sentiment":"neutral","sentiment_score":0.16612205157677332},{"text":"I'll double check, and I'll get you to resend me an updated statement for your super funds with the updated balances and insurance side of things.","start":2296.115,"end":2302.935,"sentiment":"neutral","sentiment_score":0.1656373369579132},{"text":"But you had about a 106,000 in life and TBD within Brighter Super there, and we were recommending to retain your income protection through your employer because that was a fantastic policy.","start":2303.555,"end":2315.19,"sentiment":"neutral","sentiment_score":0.314684493932873},{"text":"The main sort of reason for retaining the life and TPD was that you were comfortable with the amount of cover looking at your balance plus the life cover if anything had happened based on the loan that you still had owing that was gonna cover the mortgage side of things, and you were fairly happy with that.","start":2317.1702,"end":2333.5051,"sentiment":"positive","sentiment_score":0.3541547804749731},{"text":"Do you feel like you wanna look at any additional insurances, insurances, or are you still happy with that 106,000 more focused on getting super balance increased?","start":2333.5051,"end":2342.33,"sentiment":"neutral","sentiment_score":-0.006444121710956097}],"sentiment":"neutral","sentiment_score":0.23437054333224985,"num_words":161,"start":2288.79,"end":2342.33},{"sentences":[{"text":"What's your thoughts?","start":2342.33,"end":2343.31,"sentiment":"neutral","sentiment_score":-0.006913760676980019},{"text":"Still happy to keep it?","start":2345.77,"end":2346.602,"sentiment":"neutral","sentiment_score":0.1534613251686096},{"text":"Yep.","start":2346.602,"end":2346.634,"sentiment":"neutral","sentiment_score":0.205845445394516},{"text":"Beautiful.","start":2346.634,"end":2346.666,"sentiment":"positive","sentiment_score":0.570378303527832},{"text":"Excellent.","start":2346.666,"end":2346.698,"sentiment":"positive","sentiment_score":0.5606734752655029}],"sentiment":"neutral","sentiment_score":0.18940568799999627,"num_words":11,"start":2342.33,"end":2346.698},{"sentences":[{"text":"That's okay.","start":2346.698,"end":2347.23,"sentiment":"positive","sentiment_score":0.4373047351837158},{"text":"Excellent.","start":2347.45,"end":2347.95,"sentiment":"positive","sentiment_score":0.4799287021160126},{"text":"That's okay.","start":2349.2048,"end":2350.105,"sentiment":"neutral","sentiment_score":0.3239481896162033},{"text":"Excellent.","start":2351.845,"end":2352.345,"sentiment":"positive","sentiment_score":0.5224659442901611},{"text":"And we'll still look to retain the income protection policy.","start":2352.405,"end":2355.685,"sentiment":"neutral","sentiment_score":0.2562317609786987}],"sentiment":"neutral","sentiment_score":0.31795113161206245,"num_words":16,"start":2346.698,"end":2355.685},{"sentences":[{"text":"That was actually a really fantastic policy.","start":2355.685,"end":2357.925,"sentiment":"positive","sentiment_score":0.7361387780734471},{"text":"I really enjoyed researching that one.","start":2357.925,"end":2360.105,"sentiment":"positive","sentiment_score":0.7098936339219412},{"text":"That policy, even when you drop your hours, there should be no change.","start":2361.39,"end":2365.39,"sentiment":"neutral","sentiment_score":0.21862593465126479},{"text":"That policy, that will still stay in place as it is.","start":2365.39,"end":2368.0298,"sentiment":"neutral","sentiment_score":0.29289809411222284},{"text":"Do you know if there's any changes that would be expected with that income protection policy aside from the amount they would pay?","start":2368.0298,"end":2374.485,"sentiment":"neutral","sentiment_score":0.008851740954686766}],"sentiment":"neutral","sentiment_score":0.2613323246284078,"num_words":60,"start":2355.685,"end":2374.485},{"sentences":[{"text":"No.","start":2374.645,"end":2374.885,"sentiment":"neutral","sentiment_score":-0.0539773553609848},{"text":"That's okay.","start":2374.885,"end":2377.445,"sentiment":"neutral","sentiment_score":0.042225442826747894},{"text":"Should say beautiful.","start":2377.445,"end":2378.485,"sentiment":"neutral","sentiment_score":0.2501140534877777},{"text":"I still have the PDF documents, though.","start":2378.485,"end":2380.405,"sentiment":"neutral","sentiment_score":0.0573253719402211},{"text":"I'll still just run through just to make sure that everything is still okay if you drop your hours there.","start":2380.405,"end":2386.0251,"sentiment":"neutral","sentiment_score":0.0447622099891305}],"sentiment":"neutral","sentiment_score":0.06294962103393945,"num_words":33,"start":2374.645,"end":2386.0251},{"sentences":[{"text":"The other thing we did talk about initially was trauma.","start":2387.0452,"end":2390.0251,"sentiment":"neutral","sentiment_score":-0.034512418881058694},{"text":"So trauma, if you decide to take on trauma, isn't more of an out of pocket expense.","start":2390.58,"end":2395.4001,"sentiment":"neutral","sentiment_score":-0.059429065269582415},{"text":"Unlike life, PPD, income protection, you can't hold trauma inside super.","start":2396.1,"end":2400.28,"sentiment":"neutral","sentiment_score":-0.04229616610841318},{"text":"Trauma tends to pay out a lump sum tax free benefit in the event that you'll stay diagnosed with, say, Parkinson's, MS, or neurological conditions.","start":2400.98,"end":2409.1648,"sentiment":"neutral","sentiment_score":-0.0076585645973682405},{"text":"Cancer's a big one.","start":2409.785,"end":2411.2249,"sentiment":"neutral","sentiment_score":-0.0617577126249671}],"sentiment":"neutral","sentiment_score":-0.0337189715077628,"num_words":67,"start":2387.0452,"end":2411.2249},{"sentences":[{"text":"Also, heart attacks and strokes tend to pay out as well.","start":2411.2249,"end":2414.2048,"sentiment":"neutral","sentiment_score":-0.037115378813310104},{"text":"Did you wanna look at getting a level of trauma to cover you in the event of something major occurring, or are you happy just to keep the covers you have not worry about trauma?","start":2414.825,"end":2423.92,"sentiment":"neutral","sentiment_score":0.0028055575277124135},{"text":"How do you feel there, Lisa?","start":2423.92,"end":2425.3,"sentiment":"neutral","sentiment_score":-0.019225782093902428},{"text":"You don't.","start":2429.3599,"end":2430.495,"sentiment":"neutral","sentiment_score":-0.04313137009739876},{"text":"I'll pull up yours.","start":2432.415,"end":2433.715,"sentiment":"neutral","sentiment_score":-0.018153744749724865}],"sentiment":"neutral","sentiment_score":-0.010074259745406693,"num_words":58,"start":2411.2249,"end":2433.715},{"sentences":[{"text":"Sorry.","start":2433.935,"end":2434.3352,"sentiment":"neutral","sentiment_score":-0.048383679240942},{"text":"Two seconds.","start":2434.3352,"end":2434.8152,"sentiment":"neutral","sentiment_score":-0.0348280081525445},{"text":"I'll just pull it up.","start":2434.8152,"end":2435.8552,"sentiment":"neutral","sentiment_score":-0.011696232110261917},{"text":"I do have your policy here.","start":2435.8552,"end":2437.7751,"sentiment":"neutral","sentiment_score":0.019831059500575066},{"text":"I'm pretty sure you don't.","start":2437.7751,"end":2438.655,"sentiment":"neutral","sentiment_score":-0.05622827932238579}],"sentiment":"neutral","sentiment_score":-0.017825047142411534,"num_words":19,"start":2433.935,"end":2438.655},{"sentences":[{"text":"I'm pretty sure you just have the license EPD and some income protection.","start":2438.655,"end":2441.955,"sentiment":"neutral","sentiment_score":-0.0000783663081864898},{"text":"Scott Yes.","start":2443.695,"end":2446.61,"sentiment":"neutral","sentiment_score":0.007914217188954353},{"text":"It's got yours.","start":2446.61,"end":2447.49,"sentiment":"neutral","sentiment_score":0.023695424509545166},{"text":"It's with Zurich, and you've got 300 and sorry.","start":2447.49,"end":2450.1301,"sentiment":"neutral","sentiment_score":0.03887436828679509},{"text":"525,000 of life and TBD, and then you've got income protection as well.","start":2450.1301,"end":2455.99,"sentiment":"neutral","sentiment_score":0.05305117941819704}],"sentiment":"neutral","sentiment_score":0.02813576482294593,"num_words":40,"start":2438.655,"end":2455.99},{"sentences":[{"text":"Yeah.","start":2459.33,"end":2459.83,"sentiment":"neutral","sentiment_score":0.05190689116716385},{"text":"Yeah.","start":2460.21,"end":2460.675,"sentiment":"neutral","sentiment_score":-0.0538487508893013},{"text":"No.","start":2463.315,"end":2463.635,"sentiment":"neutral","sentiment_score":-0.16435256600379944},{"text":"That's okay.","start":2463.635,"end":2464.355,"sentiment":"neutral","sentiment_score":0.0545488246716559},{"text":"All good.","start":2464.355,"end":2464.915,"sentiment":"neutral","sentiment_score":0.32726022601127625}],"sentiment":"neutral","sentiment_score":0.08533195366284677,"num_words":7,"start":2459.33,"end":2464.915},{"sentences":[{"text":"Happy with not having it, Scott.","start":2464.915,"end":2466.355,"sentiment":"neutral","sentiment_score":0.3144301176071167},{"text":"Easy.","start":2466.355,"end":2466.855,"sentiment":"neutral","sentiment_score":0.19847339391708377},{"text":"Income wise, your income protection was based on, obviously, your last income.","start":2467.555,"end":2473.315,"sentiment":"neutral","sentiment_score":0.029801733170946438},{"text":"You've dropped your hours pretty significantly there.","start":2473.315,"end":2475.73,"sentiment":"neutral","sentiment_score":-0.06323288008570671},{"text":"Did you want me to review the level of income protection and maybe look to reduce that back if it's if if you're a bit over insured at the moment?","start":2475.73,"end":2483.2698,"sentiment":"neutral","sentiment_score":-0.04154467297097047}],"sentiment":"neutral","sentiment_score":0.013459009783608573,"num_words":56,"start":2464.915,"end":2483.2698},{"sentences":[{"text":"Yep.","start":2484.45,"end":2484.95,"sentiment":"positive","sentiment_score":0.4351634681224823},{"text":"Yeah.","start":2486.0498,"end":2486.3699,"sentiment":"neutral","sentiment_score":0.26603835821151733},{"text":"Absolutely.","start":2486.3699,"end":2486.8699,"sentiment":"positive","sentiment_score":0.37241190671920776},{"text":"I mean, with your life, TPD, and income protection, they're all paid out of super, which is a benefit because it means that you don't have to pay those premiums out of your back pocket.","start":2487.25,"end":2496.1648,"sentiment":"neutral","sentiment_score":0.3201092370918819},{"text":"However, because they are paid out of super, it does mean that it does have an effect.","start":2496.4648,"end":2501.345,"sentiment":"neutral","sentiment_score":0.28075433653943677}],"sentiment":"neutral","sentiment_score":0.31000474095344543,"num_words":55,"start":2484.45,"end":2501.345},{"sentences":[{"text":"That does lower the amount of super we'd expect you to end up in retirement.","start":2501.345,"end":2505.66,"sentiment":"neutral","sentiment_score":0.06693868984778722},{"text":"And all insurance premiums tend to get more expensive as you get older.","start":2505.96,"end":2510.2,"sentiment":"neutral","sentiment_score":-0.127186955167697},{"text":"So these will continue to get more expensive, which has a greater effect.","start":2510.2,"end":2514.14,"sentiment":"neutral","sentiment_score":-0.13555210714156812},{"text":"So we will definitely wanna make sure we review them with you and try to reduce them back as you no longer need that level of cover.","start":2514.36,"end":2521.115,"sentiment":"neutral","sentiment_score":-0.012591767366285677},{"text":"Because I have seen people in their, you know, fifties and sixties who are paying phenomenal premiums.","start":2522.135,"end":2527.675,"sentiment":"neutral","sentiment_score":0.02462685393059955}],"sentiment":"neutral","sentiment_score":-0.02744527840439011,"num_words":85,"start":2501.345,"end":2527.675},{"sentences":[{"text":"I'm talking, like, $10.15, $20,000 in premiums.","start":2527.735,"end":2531.675,"sentiment":"neutral","sentiment_score":0.05786844928349767},{"text":"So we just wanna make sure that you guys are not having all your super easy way.","start":2531.815,"end":2537.1602,"sentiment":"neutral","sentiment_score":0.09919503988588557},{"text":"Yeah.","start":2537.3801,"end":2537.78,"sentiment":"neutral","sentiment_score":0.061229728162288666},{"text":"Correct.","start":2537.78,"end":2538.28,"sentiment":"neutral","sentiment_score":0.06401695311069489},{"text":"Correct.","start":2538.4202,"end":2538.9202,"sentiment":"neutral","sentiment_score":0.023081395775079727}],"sentiment":"neutral","sentiment_score":0.08295270000342969,"num_words":27,"start":2527.735,"end":2538.9202},{"sentences":[{"text":"Well, let's have a look at that.","start":2541.3,"end":2543.24,"sentiment":"neutral","sentiment_score":0.009393563494086266},{"text":"Yes.","start":2543.3,"end":2543.8,"sentiment":"neutral","sentiment_score":0.036778148263692856},{"text":"So yeah.","start":2544.1,"end":2548.84,"sentiment":"neutral","sentiment_score":-0.005621984135359526},{"text":"Correct.","start":2549.235,"end":2549.735,"sentiment":"neutral","sentiment_score":-0.025806916877627373},{"text":"Correct.","start":2549.955,"end":2550.455,"sentiment":"neutral","sentiment_score":-0.03946424275636673}],"sentiment":"neutral","sentiment_score":0.0021681637347986302,"num_words":12,"start":2541.3,"end":2550.455},{"sentences":[{"text":"Yeah.","start":2555.3152,"end":2555.715,"sentiment":"neutral","sentiment_score":0.08985276520252228},{"text":"Correct.","start":2555.715,"end":2556.215,"sentiment":"neutral","sentiment_score":0.17522594332695007},{"text":"So let's have a look at your super balance and see where that's up to.","start":2556.5151,"end":2560.5352,"sentiment":"neutral","sentiment_score":0.15128735254208248},{"text":"So given that your mortgage is basically fully off offset, even if you do, say, take a bit of money out, you said you'd probably take about 100,000 out of that for the the purchase of the caravan or the the motor home.","start":2560.7551,"end":2576.39,"sentiment":"neutral","sentiment_score":0.12277133364317029},{"text":"Yeah.","start":2579.5698,"end":2580.0698,"sentiment":"neutral","sentiment_score":0.0896383598446846}],"sentiment":"neutral","sentiment_score":0.12956056890429044,"num_words":61,"start":2555.3152,"end":2580.0698},{"sentences":[{"text":"So just looking at things, that realistically means in the event of, say, you passing away, in order to be debt free, it'd be looking to pay off that portion of the mortgage that you do use, but then also the car loans if it's within that time frame.","start":2580.315,"end":2593.86,"sentiment":"neutral","sentiment_score":0.05424040875264576},{"text":"So yeah.","start":2595.1401,"end":2597.4001,"sentiment":"neutral","sentiment_score":-0.014441583305597305},{"text":"I'm just logging in to HubSpot real quick.","start":2601.86,"end":2604.28,"sentiment":"neutral","sentiment_score":0.0007123998366296291},{"text":"Yeah.","start":2607.06,"end":2607.4602,"sentiment":"neutral","sentiment_score":0.1672587692737579},{"text":"Absolutely.","start":2607.4602,"end":2607.9602,"sentiment":"neutral","sentiment_score":0.30571842193603516}],"sentiment":"neutral","sentiment_score":0.05094382380608652,"num_words":61,"start":2580.315,"end":2607.9602},{"sentences":[{"text":"Absolutely.","start":2608.26,"end":2608.76,"sentiment":"neutral","sentiment_score":0.30042755603790283},{"text":"And it comes down to your goal there.","start":2608.82,"end":2610.625,"sentiment":"neutral","sentiment_score":0.25927831418812275},{"text":"So when you look at your super balance at the moment, your balance as of today's date, you've got 699,532.","start":2610.625,"end":2620.4048,"sentiment":"neutral","sentiment_score":0.1278553631156683},{"text":"So when we sort of look at this, if you were to pass away today and say, at the moment, your mortgage is fully offset, so you don't have to worry about paying that back.","start":2620.785,"end":2632.0898,"sentiment":"neutral","sentiment_score":0.026307664385863714},{"text":"But then looking at the other debts that you do have, you've essentially just got the two car loans.","start":2632.23,"end":2637.725,"sentiment":"neutral","sentiment_score":0.014410810250984995}],"sentiment":"neutral","sentiment_score":0.07381126482084573,"num_words":83,"start":2608.26,"end":2637.725},{"sentences":[{"text":"So 43 thousand and 70.","start":2637.725,"end":2641.825,"sentiment":"neutral","sentiment_score":0.018889420479536057},{"text":"So it's about a 113,000 that would have to be paid off in debt.","start":2642.7651,"end":2646.625,"sentiment":"neutral","sentiment_score":0.001371528288083417},{"text":"So $6.99 $5.03 2 minus a 113 essentially means with your super balance paid at as your life benefit.","start":2646.925,"end":2659.18,"sentiment":"neutral","sentiment_score":0.10703505065880324},{"text":"This is not factoring in any additional life insurance.","start":2659.18,"end":2662.0,"sentiment":"neutral","sentiment_score":0.009990918139616648},{"text":"It means that Lisa could then receive $586,005.32 plus you guys being fully debt free there.","start":2662.38,"end":2670.1448,"sentiment":"neutral","sentiment_score":0.23290132079273462}],"sentiment":"neutral","sentiment_score":0.09466117233156211,"num_words":63,"start":2637.725,"end":2670.1448},{"sentences":[{"text":"Realistically, do you yeah.","start":2671.565,"end":2673.885,"sentiment":"neutral","sentiment_score":0.06123333517462015},{"text":"Do you feel like that's enough?","start":2673.885,"end":2675.565,"sentiment":"neutral","sentiment_score":0.04579903061191241},{"text":"Do you feel like having a bit of life cover on top of that would provide more benefit?","start":2675.565,"end":2680.5498,"sentiment":"neutral","sentiment_score":0.1162312850356102},{"text":"How do you feel about that sort of stuff?","start":2680.69,"end":2682.63,"sentiment":"neutral","sentiment_score":-0.2267650134033627},{"text":"You just Yes.","start":2698.9448,"end":2708.18,"sentiment":"neutral","sentiment_score":-0.02569921811421712}],"sentiment":"neutral","sentiment_score":0.012347697000950574,"num_words":40,"start":2671.565,"end":2708.18},{"sentences":[{"text":"Yes.","start":2708.24,"end":2708.64,"sentiment":"neutral","sentiment_score":0.14000505208969116},{"text":"Yeah.","start":2708.64,"end":2708.96,"sentiment":"neutral","sentiment_score":0.13803984224796295},{"text":"At the moment, based on the last valuation I have of your premium, it was 3,795 deducted from super for the insurance costs.","start":2708.96,"end":2719.8599,"sentiment":"neutral","sentiment_score":0.10139242430096088},{"text":"I mean, if you wanted to, I could look at even just halving the insurances to start with, and we maybe drop it to 250,000 to give you a base level of cover, and then we could always look to reduce it back.","start":2720.235,"end":2731.8352,"sentiment":"neutral","sentiment_score":0.11856460025490717},{"text":"That would sort of mean that in the event of passing, if you had $2.50 and factoring in the fact that you wanna get that camper as well, so then say it would replace the 100,000 as a max on the loan if you redraw that off, plus the 113,000.","start":2731.8352,"end":2749.865,"sentiment":"neutral","sentiment_score":0.10070652905851603}],"sentiment":"neutral","sentiment_score":0.1079972450605641,"num_words":118,"start":2708.24,"end":2749.865},{"sentences":[{"text":"That's $2.63.","start":2750.805,"end":2752.485,"sentiment":"neutral","sentiment_score":0.08225727453827858},{"text":"So the $2.50 would cover all your debts essentially.","start":2752.485,"end":2757.305,"sentiment":"neutral","sentiment_score":0.10074845660063955},{"text":"10 yeah.","start":2757.925,"end":2758.565,"sentiment":"neutral","sentiment_score":0.08039025962352753},{"text":"There's, like, just a 13,000 left over to maybe come out of your super to benefit, but then it means that all of the super can be paid to Lisa as a benefit to sort of help her along.","start":2758.565,"end":2770.18,"sentiment":"neutral","sentiment_score":0.14886318548367575},{"text":"She can, you know, put it aside, invest, whatever she wants to do.","start":2770.8,"end":2774.205,"sentiment":"neutral","sentiment_score":0.1798119075023211}],"sentiment":"neutral","sentiment_score":0.1442346186018907,"num_words":65,"start":2750.805,"end":2774.205},{"sentences":[{"text":"The money also paid as a death benefit doesn't have to be paid as a lump sum.","start":2774.925,"end":2779.405,"sentiment":"neutral","sentiment_score":0.10036235740956138},{"text":"So the way death benefits work is if you were to pass away, we help with the claim, but then you get the choice of taking the money out solely as a lump sum benefit, or it can stay in the super system, and it goes into a a death benefit for you as a pension.","start":2779.405,"end":2798.5298,"sentiment":"neutral","sentiment_score":0.14995066914707422},{"text":"And you can be drawing that money out of the pension on a regular basis as regular income and keep it invested.","start":2799.15,"end":2805.805,"sentiment":"neutral","sentiment_score":0.21420954828235236},{"text":"So if one of you would have passed away, that's how your super benefit can be paid.","start":2805.945,"end":2811.385,"sentiment":"neutral","sentiment_score":0.03810307153445833},{"text":"You get options on how you wanna do it, and we will help provide advice on how, obviously, to help keep it invested your income, or you can just take it as a lump sum.","start":2811.385,"end":2820.76,"sentiment":"neutral","sentiment_score":0.24271338220153535}],"sentiment":"neutral","sentiment_score":0.16298454560238082,"num_words":147,"start":2774.925,"end":2820.76},{"sentences":[{"text":"It's completely up to you.","start":2820.76,"end":2822.3,"sentiment":"neutral","sentiment_score":0.12283546179533004},{"text":"But that's generally how they work.","start":2822.84,"end":2825.1,"sentiment":"neutral","sentiment_score":0.20564001550277075},{"text":"Yeah.","start":2826.12,"end":2826.62,"sentiment":"neutral","sentiment_score":0.06699894368648529},{"text":"Yes.","start":2831.4648,"end":2831.9648,"sentiment":"neutral","sentiment_score":0.12407704442739488},{"text":"Mhmm.","start":2840.265,"end":2840.61,"sentiment":"neutral","sentiment_score":-0.04583168774843216}],"sentiment":"neutral","sentiment_score":0.1423758358827659,"num_words":14,"start":2820.76,"end":2840.61},{"sentences":[{"text":"Yep.","start":2846.6902,"end":2847.1902,"sentiment":"neutral","sentiment_score":-0.004330586642026901},{"text":"Yep.","start":2852.29,"end":2852.79,"sentiment":"neutral","sentiment_score":0.0619758777320385},{"text":"That's okay.","start":2853.01,"end":2853.585,"sentiment":"neutral","sentiment_score":0.22539936751127243},{"text":"Yep.","start":2857.505,"end":2858.005,"sentiment":"neutral","sentiment_score":0.15229693055152893},{"text":"Yep.","start":2862.705,"end":2863.205,"sentiment":"neutral","sentiment_score":0.001989357173442841}],"sentiment":"neutral","sentiment_score":0.1104550523062547,"num_words":6,"start":2846.6902,"end":2863.205},{"sentences":[{"text":"I can look at both if you like.","start":2874.04,"end":2875.6401,"sentiment":"neutral","sentiment_score":-0.0014362845104187727},{"text":"What I could do to assess it is I can look at halving it.","start":2875.6401,"end":2879.26,"sentiment":"neutral","sentiment_score":-0.0034092883413125363},{"text":"Because at the moment, because your income protection is together, you get the multi policy discount.","start":2879.56,"end":2884.365,"sentiment":"neutral","sentiment_score":0.015127696562558413},{"text":"So I'll look at halving the policy to $2.50, but then I'll also look at canceling it.","start":2884.365,"end":2889.3252,"sentiment":"neutral","sentiment_score":-0.046445599154514426},{"text":"If it makes your income protection more expensive because it can, I'll keep the there.","start":2889.3252,"end":2894.69,"sentiment":"neutral","sentiment_score":-0.18632761389017105}],"sentiment":"neutral","sentiment_score":-0.048595236597715745,"num_words":70,"start":2874.04,"end":2894.69},{"sentences":[{"text":"If I assess everything and it's better to cancel a life and TPD, the income protection doesn't go up as crazy, and this also helps your super balance projected forward, then I can always look to cancel it and justify that for you.","start":2894.91,"end":2908.67,"sentiment":"neutral","sentiment_score":-0.04716500397338424},{"text":"Does that sound okay?","start":2908.67,"end":2909.625,"sentiment":"neutral","sentiment_score":0.09611006546765566},{"text":"Yep.","start":2910.585,"end":2911.085,"sentiment":"positive","sentiment_score":0.36383914947509766},{"text":"Beautiful.","start":2911.545,"end":2912.045,"sentiment":"positive","sentiment_score":0.6544743776321411},{"text":"I'll assess both options and let you know how we how it looks in the advice document.","start":2912.585,"end":2917.405,"sentiment":"neutral","sentiment_score":0.16104352430385702}],"sentiment":"neutral","sentiment_score":0.0320060383528471,"num_words":66,"start":2894.91,"end":2917.405},{"sentences":[{"text":"What I'll do in the advice document, I'll put down what I'm recommending we do, how and why the risks, disadvantages, as advantages as well.","start":2917.865,"end":2925.72,"sentiment":"neutral","sentiment_score":0.06277318745851516},{"text":"And then in the appendix, I can put the other alternative for you so you can see the difference.","start":2925.72,"end":2931.1,"sentiment":"neutral","sentiment_score":0.06510725225272931},{"text":"Does that sound okay?","start":2931.6401,"end":2932.76,"sentiment":"neutral","sentiment_score":0.1952703855931759},{"text":"Yep.","start":2932.76,"end":2933.26,"sentiment":"neutral","sentiment_score":0.1716710329055786},{"text":"Fantastic.","start":2934.44,"end":2934.94,"sentiment":"positive","sentiment_score":0.6963093280792236}],"sentiment":"neutral","sentiment_score":0.08910858765244484,"num_words":50,"start":2917.865,"end":2934.94},{"sentences":[{"text":"Beautiful.","start":2936.6,"end":2937.1,"sentiment":"positive","sentiment_score":0.6901873350143433},{"text":"And, Lisa, you may mention you're happy with the life and TPD, the the amount you have within Brighter Super because you've also got your q super defined benefits still, and that does pay out a lump sum.","start":2938.145,"end":2948.625,"sentiment":"neutral","sentiment_score":0.24958943810902143},{"text":"Or it pays that either a lump sum or an income stream in the event of your passing.","start":2948.625,"end":2952.4849,"sentiment":"neutral","sentiment_score":0.13435023981663916},{"text":"And that can definitely go to Scott there as well.","start":2952.7898,"end":2955.0298,"sentiment":"neutral","sentiment_score":0.23988136872649193},{"text":"So your super balance is pretty pretty nice between the two, and that defined benefit is beautiful as well.","start":2955.0298,"end":2960.63,"sentiment":"positive","sentiment_score":0.5207816252582952}],"sentiment":"neutral","sentiment_score":0.2893785449654557,"num_words":86,"start":2936.6,"end":2960.63},{"sentences":[{"text":"Are you happy just for that life and t TPD amount?","start":2960.63,"end":2963.8499,"sentiment":"neutral","sentiment_score":0.19094489243897525},{"text":"Yep.","start":2965.67,"end":2966.17,"sentiment":"neutral","sentiment_score":0.14472511410713196},{"text":"Beautiful.","start":2966.23,"end":2966.73,"sentiment":"neutral","sentiment_score":0.3218070864677429},{"text":"Having a look the last advice piece we had just with the balances, and they definitely could have changed since then.","start":2967.5098,"end":2973.635,"sentiment":"neutral","sentiment_score":0.02835307891170184},{"text":"So I will get some updated statements if that's okay just with the amounts as well as the insurance benefit amounts.","start":2973.635,"end":2982.5898,"sentiment":"neutral","sentiment_score":0.04826987791983854}],"sentiment":"neutral","sentiment_score":0.07592742019756274,"num_words":55,"start":2960.63,"end":2982.5898},{"sentences":[{"text":"But the amount we had within Brighter Super at the time of the last device was about $481,007.91.","start":2982.89,"end":2991.39,"sentiment":"neutral","sentiment_score":0.023783771010736626},{"text":"And then in that sorry.","start":2991.93,"end":2994.525,"sentiment":"neutral","sentiment_score":-0.013482624851167201},{"text":"You're right.","start":2994.525,"end":2995.185,"sentiment":"neutral","sentiment_score":0.0086148411501199},{"text":"Beautiful.","start":3000.925,"end":3001.425,"sentiment":"positive","sentiment_score":0.3905163705348969},{"text":"And the q super balance was quite nice as well.","start":3002.525,"end":3005.91,"sentiment":"neutral","sentiment_score":0.2915957272052765}],"sentiment":"neutral","sentiment_score":0.10234439107848124,"num_words":36,"start":2982.89,"end":3005.91},{"sentences":[{"text":"But do you know what the what that would have indexed to or increased to since that's okay.","start":3005.91,"end":3015.05,"sentiment":"neutral","sentiment_score":-0.002725400651494662},{"text":"We had one forty two six seven four in there last time.","start":3017.43,"end":3020.89,"sentiment":"neutral","sentiment_score":-0.005228051294883092},{"text":"And 41¢.","start":3025.185,"end":3026.565,"sentiment":"neutral","sentiment_score":0.017130207270383835},{"text":"Beautiful.","start":3026.625,"end":3027.125,"sentiment":"positive","sentiment_score":0.4518311619758606},{"text":"That's indexed quite nicely.","start":3028.785,"end":3030.325,"sentiment":"positive","sentiment_score":0.4914975166320801}],"sentiment":"neutral","sentiment_score":0.06453215579191844,"num_words":37,"start":3005.91,"end":3030.325},{"sentences":[{"text":"That's fantastic.","start":3030.385,"end":3031.125,"sentiment":"positive","sentiment_score":0.670251727104187},{"text":"Love that.","start":3031.7449,"end":3032.565,"sentiment":"positive","sentiment_score":0.4635728895664215},{"text":"Beautiful.","start":3033.825,"end":3034.325,"sentiment":"neutral","sentiment_score":0.14649058878421783},{"text":"It is absolutely so both of those combined.","start":3036.1902,"end":3039.25,"sentiment":"neutral","sentiment_score":0.05884674238041043},{"text":"Yeah.","start":3041.79,"end":3042.29,"sentiment":"neutral","sentiment_score":0.001515847630798817}],"sentiment":"neutral","sentiment_score":0.2061735434856798,"num_words":14,"start":3030.385,"end":3042.29},{"sentences":[{"text":"So with the defined benefit, that essentially is as we recommended before, I will not change or move that in any way.","start":3042.83,"end":3050.295,"sentiment":"neutral","sentiment_score":-0.027784830890595913},{"text":"It will just stay where it is for the time being.","start":3050.295,"end":3052.635,"sentiment":"neutral","sentiment_score":0.04337624291127378},{"text":"But as things change as you get older and we're able to look at moving it, we'll assess whether keeping it there or moving it and combining it works better for you and look at, you know, how that affects your super.","start":3053.015,"end":3064.49,"sentiment":"neutral","sentiment_score":0.0694268113445668},{"text":"But for the moment, keeping that exactly where it is, that is a beautiful super fund.","start":3064.49,"end":3068.89,"sentiment":"positive","sentiment_score":0.39478048775345087},{"text":"I do love myself a good defined benefit.","start":3068.89,"end":3070.97,"sentiment":"positive","sentiment_score":0.6194061487913132}],"sentiment":"neutral","sentiment_score":0.14195490366958005,"num_words":99,"start":3042.83,"end":3070.97},{"sentences":[{"text":"I do wish they had them.","start":3070.97,"end":3072.43,"sentiment":"neutral","sentiment_score":0.0576969925314188},{"text":"I asked my boss to set one up, and he told me no.","start":3072.49,"end":3075.07,"sentiment":"neutral","sentiment_score":0.015403215845043842},{"text":"But they they are a really beautiful super fund.","start":3076.25,"end":3078.83,"sentiment":"positive","sentiment_score":0.41385459237628514},{"text":"Yes.","start":3086.3052,"end":3086.8052,"sentiment":"neutral","sentiment_score":-0.0011852849274873734},{"text":"Absolutely.","start":3087.0251,"end":3087.5251,"sentiment":"neutral","sentiment_score":-0.02908247336745262}],"sentiment":"neutral","sentiment_score":0.14136157780885697,"num_words":30,"start":3070.97,"end":3087.5251},{"sentences":[{"text":"And even between even between 55 and 60, there are often tax consequences as well.","start":3087.745,"end":3093.345,"sentiment":"neutral","sentiment_score":-0.1660315439105034},{"text":"So we can assess that at 55 and to see what the consequences look like and see we can get projected outcomes on or quotes on what it looks like if we transfer it across.","start":3093.345,"end":3104.31,"sentiment":"neutral","sentiment_score":0.003423575684428215},{"text":"But then we can also get that done at 60 to see what the difference is to make sure that you get the most of that benefit amount.","start":3104.61,"end":3111.0452,"sentiment":"neutral","sentiment_score":0.006731056209121432},{"text":"Okay.","start":3111.185,"end":3111.685,"sentiment":"neutral","sentiment_score":0.08004476875066757},{"text":"Excellent.","start":3113.0251,"end":3113.5251,"sentiment":"positive","sentiment_score":0.46390342712402344}],"sentiment":"neutral","sentiment_score":-0.0204778779996559,"num_words":80,"start":3087.745,"end":3113.5251},{"sentences":[{"text":"Beautiful.","start":3113.5852,"end":3114.0852,"sentiment":"positive","sentiment_score":0.578931450843811},{"text":"Lovely.","start":3114.465,"end":3114.965,"sentiment":"positive","sentiment_score":0.5249310731887817},{"text":"So just to kinda recap, I'll look at the supers.","start":3115.0251,"end":3118.405,"sentiment":"neutral","sentiment_score":0.13904317766427993},{"text":"Scott, we have just made changes to your investments as well.","start":3119.0251,"end":3123.5251,"sentiment":"neutral","sentiment_score":0.09618164057081396},{"text":"They are doing very, very nicely, actually.","start":3124.31,"end":3127.45,"sentiment":"positive","sentiment_score":0.5529248969895499}],"sentiment":"neutral","sentiment_score":0.24742555419603984,"num_words":30,"start":3113.5852,"end":3127.45},{"sentences":[{"text":"So I'm also just gonna give you an update on the performance since we did that because that was a few months ago now.","start":3127.59,"end":3133.69,"sentiment":"neutral","sentiment_score":0.14354307670146227},{"text":"So looking back sorry.","start":3135.91,"end":3138.09,"sentiment":"neutral","sentiment_score":-0.01871457416564226},{"text":"It's just loading the report for me.","start":3145.875,"end":3148.215,"sentiment":"neutral","sentiment_score":-0.037300245836377144},{"text":"Still loading.","start":3155.3298,"end":3156.79,"sentiment":"neutral","sentiment_score":-0.031732333824038506},{"text":"Sorry.","start":3157.0898,"end":3157.5898,"sentiment":"neutral","sentiment_score":-0.038551658391952515}],"sentiment":"neutral","sentiment_score":0.07913309203362778,"num_words":38,"start":3127.59,"end":3157.5898},{"sentences":[{"text":"Goodness.","start":3165.81,"end":3166.13,"sentiment":"neutral","sentiment_score":0.023694811388850212},{"text":"It is Oh goodness.","start":3166.13,"end":3188.9001,"sentiment":"neutral","sentiment_score":-0.11827808152884245},{"text":"This is taking a long time to load.","start":3188.9001,"end":3190.6,"sentiment":"negative","sentiment_score":-0.3357970640063286},{"text":"Definitely shouldn't be taking that long.","start":3192.58,"end":3194.385,"sentiment":"neutral","sentiment_score":-0.24715872605641684},{"text":"That's loading.","start":3203.665,"end":3204.305,"sentiment":"neutral","sentiment_score":-0.10191293060779572}],"sentiment":"neutral","sentiment_score":-0.2296462973491067,"num_words":21,"start":3165.81,"end":3204.305},{"sentences":[{"text":"So I'll let it load for a minute.","start":3204.305,"end":3205.745,"sentiment":"neutral","sentiment_score":-0.02689216798171401},{"text":"Hub 24 is feeling a little bit slow this afternoon.","start":3205.745,"end":3208.225,"sentiment":"neutral","sentiment_score":-0.3284022346138954},{"text":"That's okay.","start":3208.225,"end":3209.69,"sentiment":"neutral","sentiment_score":-0.024484926834702492},{"text":"While that is loading, I'll just sort of go through your risk profiles as well.","start":3209.75,"end":3213.43,"sentiment":"neutral","sentiment_score":-0.040400532881418864},{"text":"So I don't wanna go through the 14 questions there with you, Lisa, and make you answer all those again.","start":3213.43,"end":3218.49,"sentiment":"neutral","sentiment_score":-0.020958955772221087}],"sentiment":"neutral","sentiment_score":-0.08315121186050502,"num_words":55,"start":3204.305,"end":3218.49},{"sentences":[{"text":"But, essentially, just wanted to kinda reclarify that they are comfortable for you and give you the information on how they work, what the risk profile all asset allocations are, and talk about the appropriateness of them for you both.","start":3219.3499,"end":3232.005,"sentiment":"neutral","sentiment_score":0.31620581056922675},{"text":"So, Scott, you're in that growth environment.","start":3232.625,"end":3235.285,"sentiment":"neutral","sentiment_score":0.24865539371967316},{"text":"Lisa, I'm pretty sure you scored the same.","start":3236.305,"end":3239.25,"sentiment":"neutral","sentiment_score":0.1265913313254714},{"text":"I'm just double checking.","start":3239.49,"end":3240.69,"sentiment":"neutral","sentiment_score":0.10056786797940731},{"text":"Yes.","start":3240.69,"end":3241.01,"sentiment":"neutral","sentiment_score":0.1996564269065857}],"sentiment":"neutral","sentiment_score":0.26672464547057945,"num_words":60,"start":3219.3499,"end":3241.01},{"sentences":[{"text":"You did.","start":3241.01,"end":3241.41,"sentiment":"neutral","sentiment_score":0.21699578315019608},{"text":"Yeah.","start":3241.41,"end":3241.81,"sentiment":"neutral","sentiment_score":0.19730454683303833},{"text":"So the growth environment suits someone who is wanting to access their super no earlier than six years to someone who's wanting to keep their funds invested for six years or longer.","start":3241.81,"end":3252.55,"sentiment":"neutral","sentiment_score":0.2748915469273925},{"text":"So it does suit the time horizon that you both definitely have.","start":3252.865,"end":3256.085,"sentiment":"positive","sentiment_score":0.5140533422430357},{"text":"It normally sees about 80% of your super invested in growth assets.","start":3256.705,"end":3260.865,"sentiment":"neutral","sentiment_score":0.17119975512226424}],"sentiment":"neutral","sentiment_score":0.2991671658168405,"num_words":59,"start":3241.01,"end":3260.865},{"sentences":[{"text":"So think about things like Australian shares, international shares, listed property, and also commodities, and then the other 20% in lower risk defensive investments like cash, bonds, and fixed interest.","start":3260.865,"end":3272.29,"sentiment":"neutral","sentiment_score":0.07218751665204763},{"text":"If you consider the risk level out of, say, five, five being the highest risk level, all money in those high risk assets, one being the lowest that's sitting all in cash, you're sitting at about a three.","start":3272.67,"end":3284.825,"sentiment":"neutral","sentiment_score":-0.11362840882257412},{"text":"So you're kind of in that middle range there.","start":3284.9648,"end":3287.2249,"sentiment":"neutral","sentiment_score":-0.17324148615201315},{"text":"The growth portfolio generally expects the likelihood of a negative return, say, one in every five years.","start":3288.005,"end":3294.94,"sentiment":"neutral","sentiment_score":-0.32651824460310097},{"text":"The expected returns that you're sort of wanting to achieve on a yearly basis, compound and forward, is between seven to 9%.","start":3296.44,"end":3303.5598,"sentiment":"neutral","sentiment_score":-0.17937810041687705}],"sentiment":"neutral","sentiment_score":-0.11386686015938377,"num_words":116,"start":3260.865,"end":3303.5598},{"sentences":[{"text":"So anything under that 7% for the year, the portfolio has underperformed.","start":3303.5598,"end":3307.7852,"sentiment":"negative","sentiment_score":-0.3344377726316452},{"text":"If we are getting those sorts of lower returns, we wanna make sure that the market as a whole has also been down.","start":3308.405,"end":3313.7651,"sentiment":"negative","sentiment_score":-0.4017001144264055},{"text":"That way, it sort of shows that the return being lower is because of market reactions, not because portfolio hasn't performed.","start":3313.7651,"end":3321.3901,"sentiment":"negative","sentiment_score":-0.34488318931488765},{"text":"If that's the case, it means that there's something wrong with the portfolio, not the market as a whole.","start":3321.4502,"end":3326.03,"sentiment":"negative","sentiment_score":-0.41988067564211395},{"text":"And then anything over 9% is essentially an overperformance there.","start":3327.53,"end":3328.698,"sentiment":"neutral","sentiment_score":-0.2610063999891281}],"sentiment":"negative","sentiment_score":-0.3656788201893077,"num_words":85,"start":3303.5598,"end":3328.698},{"sentences":[{"text":"A lot of the portfolios do get more than 9%.","start":3328.698,"end":3329.4702,"sentiment":"positive","sentiment_score":0.42397998571395873},{"text":"Overperformance there.","start":3331.015,"end":3332.395,"sentiment":"positive","sentiment_score":0.36949242651462555},{"text":"A lot of the portfolios do get more than 9% or have averaged more than 9%, and we wanna aim for the best possible return.","start":3332.775,"end":3339.435,"sentiment":"positive","sentiment_score":0.4718489408493042},{"text":"But we sort of look at the seven to 9% as an average of what you should be able to achieve in that risk profile given the risk you are taking and the type of asset allocation that you have.","start":3340.055,"end":3350.5,"sentiment":"neutral","sentiment_score":0.22656781114637853},{"text":"Does that make sense?","start":3351.3599,"end":3352.24,"sentiment":"neutral","sentiment_score":0.15123364701867104}],"sentiment":"neutral","sentiment_score":0.3264525341398922,"num_words":81,"start":3328.698,"end":3352.24},{"sentences":[{"text":"Do you have any questions?","start":3352.24,"end":3353.44,"sentiment":"neutral","sentiment_score":0.057170755416154864},{"text":"Do you both feel comfortable in that sort of Absolutely.","start":3353.44,"end":3366.405,"sentiment":"neutral","sentiment_score":0.09054450131952763},{"text":"Yes.","start":3366.945,"end":3367.445,"sentiment":"neutral","sentiment_score":0.2325969934463501},{"text":"Absolutely.","start":3368.945,"end":3369.445,"sentiment":"neutral","sentiment_score":0.28890615701675415},{"text":"And, normally, because of with this risk profile, it does fit a six year time horizon.","start":3369.905,"end":3374.69,"sentiment":"neutral","sentiment_score":0.20605962630361319}],"sentiment":"neutral","sentiment_score":0.15181078671505957,"num_words":33,"start":3352.24,"end":3374.69},{"sentences":[{"text":"I normally would not want you to be in this for any longer than you need to be.","start":3375.1501,"end":3379.97,"sentiment":"neutral","sentiment_score":0.04380619008507994},{"text":"So when you do get about sort of six years out, we do wanna look at maybe reducing the risk level a bit for you guys, and we start to reduce it in increments.","start":3380.35,"end":3388.5752,"sentiment":"neutral","sentiment_score":0.16089633392060504},{"text":"So we step down generally in 10% increments.","start":3388.5752,"end":3391.875,"sentiment":"neutral","sentiment_score":0.17900287359952927},{"text":"That way, it's not a drastic change to your risk level, your portfolio, but it steps you down in increments towards being lower risk towards your comfort level at that retirement age.","start":3392.415,"end":3401.76,"sentiment":"neutral","sentiment_score":0.1617850314360112},{"text":"Does that make sense?","start":3401.8198,"end":3402.88,"sentiment":"neutral","sentiment_score":0.10061350837349892}],"sentiment":"neutral","sentiment_score":0.1382352583653604,"num_words":96,"start":3375.1501,"end":3402.88},{"sentences":[{"text":"Yep.","start":3404.14,"end":3404.64,"sentiment":"neutral","sentiment_score":0.11318053305149078},{"text":"Beautiful.","start":3404.7798,"end":3405.2798,"sentiment":"positive","sentiment_score":0.3580128848552704},{"text":"Are you both fairly comfortable looking at the growth portfolio?","start":3406.8599,"end":3409.5999,"sentiment":"neutral","sentiment_score":0.0976804617792368},{"text":"You're welcome to let me know if you're not.","start":3409.66,"end":3411.18,"sentiment":"neutral","sentiment_score":-0.016989638201064534},{"text":"You're welcome to ask any additional questions if you have them.","start":3411.18,"end":3417.555,"sentiment":"neutral","sentiment_score":0.011389639016918161}],"sentiment":"neutral","sentiment_score":0.044386791283614,"num_words":32,"start":3404.14,"end":3417.555},{"sentences":[{"text":"Yep.","start":3419.055,"end":3419.375,"sentiment":"neutral","sentiment_score":0.07614807784557343},{"text":"That's okay.","start":3419.375,"end":3420.015,"sentiment":"neutral","sentiment_score":0.13498978316783905},{"text":"You're comfortable in that environment there, Lisa, still?","start":3420.015,"end":3422.595,"sentiment":"neutral","sentiment_score":0.17190539930015802},{"text":"Yep.","start":3423.855,"end":3424.355,"sentiment":"neutral","sentiment_score":0.19755268096923828},{"text":"Beautiful.","start":3424.655,"end":3425.155,"sentiment":"positive","sentiment_score":0.5037297010421753}],"sentiment":"neutral","sentiment_score":0.18635794004568687,"num_words":13,"start":3419.055,"end":3425.155},{"sentences":[{"text":"All good.","start":3425.375,"end":3426.115,"sentiment":"positive","sentiment_score":0.49039319157600403},{"text":"Hub 24 just timed out on me, so I'm just gonna redo that portfolio for for you so that that hopefully it loads.","start":3426.895,"end":3433.0298,"sentiment":"neutral","sentiment_score":0.27551347600377124},{"text":"Here we go.","start":3433.41,"end":3433.89,"sentiment":"neutral","sentiment_score":0.2573838134606679},{"text":"This one loaded faster.","start":3433.89,"end":3435.1099,"sentiment":"neutral","sentiment_score":0.2853398099541664},{"text":"Alright.","start":3435.17,"end":3435.67,"sentiment":"neutral","sentiment_score":0.16922467947006226}],"sentiment":"neutral","sentiment_score":0.2848585360881054,"num_words":33,"start":3425.375,"end":3435.67},{"sentences":[{"text":"So having a look at things, since we did make the changes that Scott looking at the last three months, your portfolio wow.","start":3436.7698,"end":3445.9849,"sentiment":"neutral","sentiment_score":0.15989378904518875},{"text":"Your portfolio has made a return of 7.50% after fees.","start":3446.605,"end":3452.865,"sentiment":"positive","sentiment_score":0.5697840780019761},{"text":"That is in three months.","start":3455.165,"end":3456.525,"sentiment":"neutral","sentiment_score":0.09117722511291504},{"text":"Yeah.","start":3456.525,"end":3457.025,"sentiment":"neutral","sentiment_score":0.09321245551109314},{"text":"Yeah.","start":3457.8699,"end":3458.3699,"sentiment":"neutral","sentiment_score":0.12679733335971832}],"sentiment":"neutral","sentiment_score":0.2512823460623622,"num_words":40,"start":3436.7698,"end":3458.3699},{"sentences":[{"text":"That essentially shows so when we look at the the returns, we're looking at growth plus income, and it's generated growth plus income in the last three months of 50,523.","start":3458.43,"end":3470.295,"sentiment":"neutral","sentiment_score":0.22671452512343723},{"text":"So it is a good return.","start":3470.295,"end":3471.595,"sentiment":"positive","sentiment_score":0.5921201904614767},{"text":"Good to see.","start":3473.575,"end":3474.295,"sentiment":"positive","sentiment_score":0.3552869160970052},{"text":"Good yeah.","start":3474.295,"end":3476.4548,"sentiment":"neutral","sentiment_score":0.16305298265069723},{"text":"And, look, honestly, I don't expect us to do that every year.","start":3476.4548,"end":3479.7349,"sentiment":"neutral","sentiment_score":-0.08457003813236952}],"sentiment":"neutral","sentiment_score":0.20247704061275384,"num_words":53,"start":3458.43,"end":3479.7349},{"sentences":[{"text":"We made the changes in the portfolio.","start":3479.7349,"end":3481.4949,"sentiment":"neutral","sentiment_score":0.09628702434045928},{"text":"That's had a really good effect, and I'm pretty stunned that that return is in a three month period.","start":3481.4949,"end":3486.17,"sentiment":"neutral","sentiment_score":0.13080072285313354},{"text":"Normally, in a three month period, you don't see more than, say, one, two, or maybe 3%.","start":3486.17,"end":3491.71,"sentiment":"neutral","sentiment_score":0.010243060998618603},{"text":"But as your balance increases, smaller changes to your portfolio make bigger bigger returns, and smaller changes have a bigger effect on your super.","start":3492.49,"end":3501.425,"sentiment":"neutral","sentiment_score":0.23203987162560225},{"text":"So that is a really great change.","start":3501.425,"end":3503.985,"sentiment":"positive","sentiment_score":0.640308256660189}],"sentiment":"neutral","sentiment_score":0.18087121158385197,"num_words":74,"start":3479.7349,"end":3503.985},{"sentences":[{"text":"Really happy with that, and it does show you the newer portfolio is working better for you as well.","start":3503.985,"end":3508.945,"sentiment":"positive","sentiment_score":0.6887153198844508},{"text":"So that is really good.","start":3508.945,"end":3511.0251,"sentiment":"positive","sentiment_score":0.4677233099937439},{"text":"Yeah.","start":3511.0251,"end":3511.425,"sentiment":"positive","sentiment_score":0.3475787937641144},{"text":"Excellent.","start":3511.425,"end":3511.925,"sentiment":"positive","sentiment_score":0.4893985390663147},{"text":"All good.","start":3512.3052,"end":3513.0452,"sentiment":"positive","sentiment_score":0.3935369402170181}],"sentiment":"positive","sentiment_score":0.6088663871799197,"num_words":28,"start":3503.985,"end":3513.0452},{"sentences":[{"text":"So just to kind of reiterate around the advice scenario, we're scoping in and looking at super for you both, making sure that's got your super and the portfolio is working forward well, looking at your new current yeah.","start":3513.78,"end":3528.525,"sentiment":"neutral","sentiment_score":0.1806012977105685},{"text":"Looking at your new current income.","start":3528.525,"end":3530.225,"sentiment":"neutral","sentiment_score":0.01610106447090705},{"text":"And are you still wanting me to factor in additional contributions if they need to be made to cover?","start":3530.845,"end":3536.205,"sentiment":"neutral","sentiment_score":0.014340377510770372},{"text":"Yep.","start":3536.205,"end":3536.685,"sentiment":"neutral","sentiment_score":0.04548931866884232},{"text":"Cool.","start":3536.685,"end":3537.185,"sentiment":"neutral","sentiment_score":0.14176033437252045}],"sentiment":"neutral","sentiment_score":0.11514808823156988,"num_words":66,"start":3513.78,"end":3537.185},{"sentences":[{"text":"Yep.","start":3539.485,"end":3539.985,"sentiment":"neutral","sentiment_score":0.0912151336669922},{"text":"Yep.","start":3541.325,"end":3541.56,"sentiment":"neutral","sentiment_score":0.10138143599033356},{"text":"Yep.","start":3546.6,"end":3547.1,"sentiment":"neutral","sentiment_score":0.04650860279798508},{"text":"Yep.","start":3547.56,"end":3547.6401,"sentiment":"neutral","sentiment_score":0.009251797571778296},{"text":"Lovely.","start":3547.6401,"end":3548.1401,"sentiment":"neutral","sentiment_score":0.15636590123176575}],"sentiment":"neutral","sentiment_score":0.08094457425177097,"num_words":5,"start":3539.485,"end":3548.1401},{"sentences":[{"text":"Yep.","start":3548.36,"end":3548.6802,"sentiment":"neutral","sentiment_score":0.05665990337729454},{"text":"That's okay.","start":3548.6802,"end":3549.5,"sentiment":"neutral","sentiment_score":0.06434321962296963},{"text":"Did you want me to include that as, say, salary sacrifice, or did you wanna sort of hold off until the end of the financial year and do it as a lump sum?","start":3549.6401,"end":3557.505,"sentiment":"neutral","sentiment_score":0.012248941273851828},{"text":"What would you sort of what are you comfortable with?","start":3557.585,"end":3560.085,"sentiment":"neutral","sentiment_score":0.0009705731645226479},{"text":"Honestly, salary sacrifice works out better because you're putting more more amounts in on a regular basis.","start":3560.9448,"end":3567.285,"sentiment":"neutral","sentiment_score":0.04458533358924529}],"sentiment":"neutral","sentiment_score":0.02154313979877366,"num_words":63,"start":3548.36,"end":3567.285},{"sentences":[{"text":"Correct.","start":3567.9849,"end":3568.3848,"sentiment":"neutral","sentiment_score":0.20607657730579376},{"text":"And then you dollar cost averaging.","start":3568.3848,"end":3570.085,"sentiment":"neutral","sentiment_score":0.12467413271466891},{"text":"That provides a much greater effect long term.","start":3570.2249,"end":3572.625,"sentiment":"positive","sentiment_score":0.41591133177280426},{"text":"If you're comfortable with that, that's what we'll look at for you.","start":3572.625,"end":3575.8699,"sentiment":"neutral","sentiment_score":0.17607243917882442},{"text":"Yep.","start":3575.8699,"end":3576.3699,"sentiment":"neutral","sentiment_score":0.08954775333404541}],"sentiment":"neutral","sentiment_score":0.23156532325914927,"num_words":28,"start":3567.9849,"end":3576.3699},{"sentences":[{"text":"Beautiful.","start":3577.63,"end":3578.13,"sentiment":"neutral","sentiment_score":0.22977808117866516},{"text":"Yeah.","start":3579.8699,"end":3580.3699,"sentiment":"neutral","sentiment_score":0.29994142055511475},{"text":"Absolutely.","start":3580.8298,"end":3581.3298,"sentiment":"positive","sentiment_score":0.625220775604248},{"text":"Fantastic.","start":3581.7898,"end":3582.2898,"sentiment":"positive","sentiment_score":0.6820521354675293},{"text":"I'll assess what you have to cover the cap.","start":3583.15,"end":3586.0498,"sentiment":"neutral","sentiment_score":0.24178211722109053}],"sentiment":"neutral","sentiment_score":0.3086947282919517,"num_words":13,"start":3577.63,"end":3586.0498},{"sentences":[{"text":"I do sometimes, depending on discrepancies with income, I do tend to maybe leave, like, a 1 or $2,000 gap depending on what it is.","start":3586.1099,"end":3594.555,"sentiment":"neutral","sentiment_score":0.020600637905299663},{"text":"Correct.","start":3594.775,"end":3595.175,"sentiment":"neutral","sentiment_score":0.09124578535556792},{"text":"But I'll just make sure that we sort of factor that in for you and show you what that looks like.","start":3595.175,"end":3599.355,"sentiment":"neutral","sentiment_score":0.10772637419757389},{"text":"Excellent.","start":3600.055,"end":3600.555,"sentiment":"positive","sentiment_score":0.46213945746421814},{"text":"Lisa, so with yours, again, looking at your super with your rider super, we'll definitely have to retain the Qsu, but I'll factor that into the advice there for you the same as I did last time.","start":3601.335,"end":3610.01,"sentiment":"neutral","sentiment_score":0.27325871465979396}],"sentiment":"neutral","sentiment_score":0.158132088129573,"num_words":85,"start":3586.1099,"end":3610.01},{"sentences":[{"text":"Last time, we did look at the SMA.","start":3610.71,"end":3612.73,"sentiment":"neutral","sentiment_score":0.05826386949047446},{"text":"I might even just look at that again if that's okay for the investments, but I'll also look at the same sort of investment portfolio that Scott is in because that might actually provide a greater benefit to you.","start":3613.51,"end":3623.735,"sentiment":"neutral","sentiment_score":0.1299793024857839},{"text":"Are you comfortable with that?","start":3623.735,"end":3625.2751,"sentiment":"neutral","sentiment_score":0.098095241189003},{"text":"Yep.","start":3626.855,"end":3627.175,"sentiment":"neutral","sentiment_score":0.2937246263027191},{"text":"Beautiful.","start":3627.175,"end":3627.675,"sentiment":"positive","sentiment_score":0.4686617851257324}],"sentiment":"neutral","sentiment_score":0.12570678463412654,"num_words":54,"start":3610.71,"end":3627.675},{"sentences":[{"text":"And you want me to look at your income to determine if you're able to drop back to 50% hours as well, cover expenses for the two of you, and also look at whether you're able to then cover contribution gaps and build super towards your time.","start":3628.615,"end":3644.165,"sentiment":"neutral","sentiment_score":0.1152696875815696},{"text":"Am I on the right track?","start":3644.165,"end":3645.205,"sentiment":"neutral","sentiment_score":0.14997591326634088},{"text":"Do I have that correct?","start":3645.205,"end":3646.425,"sentiment":"neutral","sentiment_score":0.09411958903074265},{"text":"Yep.","start":3650.325,"end":3650.825,"sentiment":"neutral","sentiment_score":0.08932401984930038},{"text":"Yep.","start":3651.045,"end":3651.545,"sentiment":"neutral","sentiment_score":0.03144188970327377}],"sentiment":"neutral","sentiment_score":0.11514824417730173,"num_words":60,"start":3628.615,"end":3651.545},{"sentences":[{"text":"Yep.","start":3654.325,"end":3654.825,"sentiment":"neutral","sentiment_score":0.05642659589648247},{"text":"And still live.","start":3654.885,"end":3656.0999,"sentiment":"neutral","sentiment_score":0.021676763892173767},{"text":"I love that.","start":3659.1199,"end":3659.8398,"sentiment":"positive","sentiment_score":0.6530234416325887},{"text":"I love it.","start":3659.8398,"end":3660.74,"sentiment":"positive","sentiment_score":0.6657480994860331},{"text":"No.","start":3662.0798,"end":3662.48,"sentiment":"neutral","sentiment_score":0.11186472326517104}],"sentiment":"positive","sentiment_score":0.3808760212903673,"num_words":11,"start":3654.325,"end":3662.48},{"sentences":[{"text":"All good.","start":3662.48,"end":3663.2,"sentiment":"neutral","sentiment_score":0.2400796115398407},{"text":"Excellent.","start":3663.2,"end":3663.7,"sentiment":"positive","sentiment_score":0.3495015501976013},{"text":"With the insurance side of things, Scott, I'll look at yours, what you have now, look at your income protection, factor into your income, and work out whether we need to reduce the rate so that you have the maximum benefit, that you're not over insured and not overpaying for the income protection side of things.","start":3664.4,"end":3679.575,"sentiment":"neutral","sentiment_score":0.09432818042114377},{"text":"I'll also look at the life and TBD, look at halving the level and also canceling, look at what that does projected outcome as well as, cost of your insurances, and look at whether we can just reduce the half or get rid of completely.","start":3680.115,"end":3694.3699,"sentiment":"neutral","sentiment_score":0.024309796715776124},{"text":"But, realistically, if anything was to happen, goal wise insurances, you're both just wanting to make sure any debts that you have that's factoring in the 100,000 taken off the loan for the purchase of the motor home as well as your current vehicle loans is covered, and then funds are provided to your to your spouse as a benefit.","start":3694.75,"end":3716.36,"sentiment":"neutral","sentiment_score":0.06513450782125195}],"sentiment":"neutral","sentiment_score":0.06776859877040474,"num_words":164,"start":3662.48,"end":3716.36},{"sentences":[{"text":"Is that right?","start":3716.5,"end":3717.22,"sentiment":"neutral","sentiment_score":0.07324153184890747},{"text":"Am I on the track?","start":3717.22,"end":3718.26,"sentiment":"neutral","sentiment_score":0.04527997076511383},{"text":"Did you wanna add anything to that goal at all?","start":3718.26,"end":3720.68,"sentiment":"neutral","sentiment_score":0.02927821855992079},{"text":"Nope.","start":3722.5,"end":3722.82,"sentiment":"neutral","sentiment_score":-0.0035318161826580763},{"text":"That's okay.","start":3722.82,"end":3723.64,"sentiment":"neutral","sentiment_score":0.08319650590419769}],"sentiment":"neutral","sentiment_score":0.04294132526653508,"num_words":21,"start":3716.5,"end":3723.64},{"sentences":[{"text":"Excellent.","start":3723.94,"end":3724.44,"sentiment":"positive","sentiment_score":0.39663219451904297},{"text":"Beautiful.","start":3726.58,"end":3727.08,"sentiment":"positive","sentiment_score":0.4454353451728821},{"text":"We're not looking at trauma.","start":3727.615,"end":3728.975,"sentiment":"neutral","sentiment_score":0.10470978617668152},{"text":"And, Lisa, for your insurance, as you're happy with the amount you have in Brighter Super, just looking at trying to transfer that over where possible, and then also just making sure everything's projected forward.","start":3728.975,"end":3739.855,"sentiment":"neutral","sentiment_score":0.21499799234526498},{"text":"Your super is correct.","start":3739.855,"end":3741.215,"sentiment":"neutral","sentiment_score":0.31858570501208305}],"sentiment":"neutral","sentiment_score":0.2209758483197378,"num_words":46,"start":3723.94,"end":3741.215},{"sentences":[{"text":"Link everything in the back end to lower fees as much as possible as well and retain your q super.","start":3741.215,"end":3748.04,"sentiment":"neutral","sentiment_score":0.2806630104780197},{"text":"You'd happy to retain your income protection with your employer there as well, and no trauma for each of you.","start":3748.82,"end":3754.18,"sentiment":"neutral","sentiment_score":0.26875396855175493},{"text":"Does that sound right?","start":3754.18,"end":3755.4,"sentiment":"neutral","sentiment_score":0.1341341007500887},{"text":"Yep.","start":3757.06,"end":3757.56,"sentiment":"neutral","sentiment_score":0.15299910306930542},{"text":"Beautiful.","start":3757.7,"end":3758.175,"sentiment":"positive","sentiment_score":0.5550345182418823}],"sentiment":"neutral","sentiment_score":0.26593281749797903,"num_words":46,"start":3741.215,"end":3758.175},{"sentences":[{"text":"Fantastic.","start":3760.0151,"end":3760.5151,"sentiment":"positive","sentiment_score":0.5976312160491943},{"text":"We're happy to stay in a growth portfolio environment for the time being, looking at the best way to move things forward, salary sacrifice for both of you there, and then beneficiaries, making sure that everything is directed to each other in the event of passing prematurely.","start":3761.375,"end":3775.8,"sentiment":"positive","sentiment_score":0.3641786962113482},{"text":"Is that correct?","start":3776.1802,"end":3777.08,"sentiment":"neutral","sentiment_score":0.19147791961828867},{"text":"Yep.","start":3778.74,"end":3779.24,"sentiment":"neutral","sentiment_score":0.14084281027317047},{"text":"Beautiful.","start":3779.3801,"end":3779.8801,"sentiment":"positive","sentiment_score":0.4676039218902588}],"sentiment":"positive","sentiment_score":0.356545479792469,"num_words":53,"start":3760.0151,"end":3779.8801},{"sentences":[{"text":"Excellent.","start":3780.58,"end":3781.08,"sentiment":"neutral","sentiment_score":0.2131405919790268},{"text":"Is there anything else that I might have missed that you might want me to factor in for you?","start":3781.94,"end":3786.435,"sentiment":"neutral","sentiment_score":0.020496133224744546},{"text":"Okay.","start":3793.955,"end":3794.435,"sentiment":"neutral","sentiment_score":0.10270872712135316},{"text":"We'll need to update that for you.","start":3794.435,"end":3796.375,"sentiment":"neutral","sentiment_score":0.11240439436265401},{"text":"Then Easy.","start":3796.995,"end":3798.115,"sentiment":"neutral","sentiment_score":0.19386647641658783}],"sentiment":"neutral","sentiment_score":0.06266131879140933,"num_words":30,"start":3780.58,"end":3798.115},{"sentences":[{"text":"Not a problem at all.","start":3798.115,"end":3798.93,"sentiment":"neutral","sentiment_score":0.2946170687675476},{"text":"What we will do is I'll factor that into the device.","start":3798.93,"end":3801.0898,"sentiment":"neutral","sentiment_score":0.14913016015833075},{"text":"We'll have your name updated.","start":3801.0898,"end":3802.53,"sentiment":"neutral","sentiment_score":0.1572715610265732},{"text":"It's not a problem at all.","start":3802.53,"end":3804.15,"sentiment":"neutral","sentiment_score":0.2546284074584643},{"text":"As part of the implementation process, we'll just get a copy of your marriage certificate.","start":3804.3699,"end":3808.3699,"sentiment":"neutral","sentiment_score":0.1158907284339269}],"sentiment":"neutral","sentiment_score":0.1706191971898079,"num_words":42,"start":3798.115,"end":3808.3699},{"sentences":[{"text":"We'll do the ID side of things, and we'll get the forms sorted and over to them so we can help you change the name prior to, transferring any funds over to hub twenty four, but we can help you with that process.","start":3808.3699,"end":3820.865,"sentiment":"neutral","sentiment_score":0.14268309224483577},{"text":"That's not a problem at all.","start":3820.865,"end":3822.305,"sentiment":"neutral","sentiment_score":0.3182494640350342},{"text":"Okay?","start":3822.305,"end":3822.805,"sentiment":"neutral","sentiment_score":0.24917343258857727},{"text":"Excellent.","start":3824.305,"end":3824.805,"sentiment":"positive","sentiment_score":0.6587056517601013},{"text":"Yep.","start":3830.99,"end":3831.49,"sentiment":"neutral","sentiment_score":0.20460718870162964}],"sentiment":"neutral","sentiment_score":0.17610300045747024,"num_words":52,"start":3808.3699,"end":3831.49},{"sentences":[{"text":"Yep.","start":3833.47,"end":3833.97,"sentiment":"neutral","sentiment_score":0.15998131036758423},{"text":"Abs absolutely all good.","start":3834.71,"end":3837.17,"sentiment":"neutral","sentiment_score":0.3084132447838783},{"text":"Just with the fee structure now, it is exactly implementation fee for yourself, Lisa, was $4.09 $5.00.","start":3837.8699,"end":3846.085,"sentiment":"neutral","sentiment_score":0.07865153209251516},{"text":"That is deducted out of your super at the initial role over there.","start":3846.085,"end":3850.025,"sentiment":"neutral","sentiment_score":0.11597089813305782},{"text":"Scott, you're already a client, so there's no implementation fee for your side of the advice.","start":3850.245,"end":3855.065,"sentiment":"neutral","sentiment_score":0.13665451807901263}],"sentiment":"neutral","sentiment_score":0.1259765549033296,"num_words":51,"start":3833.47,"end":3855.065},{"sentences":[{"text":"And then the ongoing service fee for the first year is 1.10%.","start":3855.86,"end":3861.06,"sentiment":"neutral","sentiment_score":0.11707242578268051},{"text":"We obviously do reviews with you and then, you know, go through the fee structure each year.","start":3861.06,"end":3865.4001,"sentiment":"neutral","sentiment_score":0.08710989356040955},{"text":"If there's any changes down the track, I'll talk you through that before we agree to anything.","start":3865.7,"end":3869.6401,"sentiment":"neutral","sentiment_score":0.07906738493372412},{"text":"But it's 1.10 for you as the couple fee currently.","start":3870.285,"end":3873.905,"sentiment":"neutral","sentiment_score":0.07207865677773953},{"text":"And then once you come on board, Scott also gets reduced from the 1.65.","start":3874.6848,"end":3879.325,"sentiment":"neutral","sentiment_score":0.09389384037681989}],"sentiment":"neutral","sentiment_score":0.08950261681207589,"num_words":70,"start":3855.86,"end":3879.325},{"sentences":[{"text":"Does that make sense?","start":3879.325,"end":3880.365,"sentiment":"neutral","sentiment_score":0.06692393496632576},{"text":"Do you have any questions currently?","start":3880.365,"end":3882.145,"sentiment":"neutral","sentiment_score":0.03152425463000933},{"text":"No.","start":3884.76,"end":3885.24,"sentiment":"neutral","sentiment_score":0.19045153260231015},{"text":"Fantastic.","start":3885.24,"end":3885.74,"sentiment":"positive","sentiment_score":0.3971208035945892},{"text":"Excellent.","start":3886.04,"end":3886.54,"sentiment":"positive","sentiment_score":0.3653515577316284}],"sentiment":"neutral","sentiment_score":0.10844347396722206,"num_words":13,"start":3879.325,"end":3886.54},{"sentences":[{"text":"And what I'll do is I'll get Maddie to update to go in and help me with the the ID side of things.","start":3886.9202,"end":3893.8801,"sentiment":"neutral","sentiment_score":0.09006555564701557},{"text":"Yep.","start":3893.8801,"end":3894.2002,"sentiment":"neutral","sentiment_score":0.0677114948630333},{"text":"We'll get that link.","start":3894.2002,"end":3895.0,"sentiment":"neutral","sentiment_score":0.0654279119335115},{"text":"She might just need to call you to get the information from your Lisa for the ID link to send out, but we'll try and work on that hopefully tomorrow.","start":3895.0,"end":3903.3252,"sentiment":"neutral","sentiment_score":0.010194278477380673},{"text":"And I'll see if Maddie can give you a hand with that one.","start":3903.945,"end":3906.185,"sentiment":"neutral","sentiment_score":0.039616212678643375}],"sentiment":"neutral","sentiment_score":0.045377042839749596,"num_words":71,"start":3886.9202,"end":3906.185},{"sentences":[{"text":"We'll see if we can log in to it okay.","start":3906.185,"end":3908.2852,"sentiment":"neutral","sentiment_score":0.0508766196668148},{"text":"Excellent.","start":3910.94,"end":3911.44,"sentiment":"positive","sentiment_score":0.652031421661377},{"text":"Is there any additional questions or anything that you guys think I might have missed or anything else that you need to bring up or any questions that have come out of any of that?","start":3912.0598,"end":3920.3198,"sentiment":"neutral","sentiment_score":0.07415826448372433},{"text":"Fantastic.","start":3923.42,"end":3923.92,"sentiment":"positive","sentiment_score":0.5874795913696289},{"text":"And what I'll do is I'll also just send you an email.","start":3924.0598,"end":3926.335,"sentiment":"neutral","sentiment_score":0.16031173430383205}],"sentiment":"neutral","sentiment_score":0.10622978437755068,"num_words":59,"start":3906.185,"end":3926.335},{"sentences":[{"text":"If you can send me, Lisa, a copy of your super statements for your Brighter Super, your QSuper showing the balances, and also the insurances for Brighter Super.","start":3926.335,"end":3936.8152,"sentiment":"neutral","sentiment_score":0.13197319129748003},{"text":"And if I can get both of you just to send me a copy of your most recent payslip as well, I just need all of that to be able to go forward and do the research and just double check all the figures and make sure everything marries up for you both.","start":3936.8152,"end":3949.53,"sentiment":"neutral","sentiment_score":0.07956851611159882},{"text":"Okay?","start":3949.59,"end":3950.09,"sentiment":"neutral","sentiment_score":0.030272232368588448},{"text":"Okay.","start":3958.265,"end":3958.765,"sentiment":"neutral","sentiment_score":0.0239576306194067},{"text":"It they're both exactly the same.","start":3966.67,"end":3968.11,"sentiment":"neutral","sentiment_score":0.06932160506645839}],"sentiment":"neutral","sentiment_score":0.09418584498461713,"num_words":89,"start":3926.335,"end":3968.11},{"sentences":[{"text":"Just the most recent one you've got will be absolutely fine.","start":3968.11,"end":3971.01,"sentiment":"neutral","sentiment_score":0.0887054286219857},{"text":"Yes.","start":3971.07,"end":3971.55,"sentiment":"neutral","sentiment_score":0.05594891682267189},{"text":"Don't want you to have to go in and yeah.","start":3971.55,"end":3974.29,"sentiment":"neutral","sentiment_score":-0.004648774885572493},{"text":"Yep.","start":3978.27,"end":3978.77,"sentiment":"neutral","sentiment_score":0.016444984823465347},{"text":"Yep.","start":3980.67,"end":3981.15,"sentiment":"neutral","sentiment_score":0.05096631497144699}],"sentiment":"neutral","sentiment_score":0.04385967427515425,"num_words":24,"start":3968.11,"end":3981.15},{"sentences":[{"text":"Beautiful.","start":3981.15,"end":3981.3499,"sentiment":"positive","sentiment_score":0.46533203125},{"text":"That's absolutely perfect.","start":3981.3499,"end":3981.95,"sentiment":"positive","sentiment_score":0.6011732618014017},{"text":"I'll send the absolutely perfect.","start":3981.95,"end":3983.0366,"sentiment":"positive","sentiment_score":0.45692452788352966},{"text":"I'll send the email now so you can shoot those back whenever you got a second.","start":3983.0366,"end":3987.4495,"sentiment":"neutral","sentiment_score":0.24314930476248264},{"text":"We'll get cracking on the research there for you.","start":3987.4495,"end":3989.9316,"sentiment":"neutral","sentiment_score":0.2710428651836183}],"sentiment":"neutral","sentiment_score":0.32009556232129827,"num_words":34,"start":3981.15,"end":3989.9316},{"sentences":[{"text":"I do kind of expect it to take me about four weeks to complete the research correctly.","start":3989.9316,"end":3994.62,"sentiment":"neutral","sentiment_score":0.08174940691713024},{"text":"I'd love to book you both in now so we have that time slot set.","start":3995.1,"end":3999.12,"sentiment":"positive","sentiment_score":0.6800612886746724},{"text":"So in four weeks, we are at oh, yep.","start":3999.5,"end":4002.86,"sentiment":"neutral","sentiment_score":0.24102484848764208},{"text":"August already, nearly.","start":4002.86,"end":4005.12,"sentiment":"neutral","sentiment_score":0.19584067165851593},{"text":"One, two, three, four.","start":4007.085,"end":4008.525,"sentiment":"neutral","sentiment_score":0.14978094771504402}],"sentiment":"neutral","sentiment_score":0.3113860143736626,"num_words":48,"start":3989.9316,"end":4008.525},{"sentences":[{"text":"That brings us to the first week of September.","start":4008.525,"end":4011.025,"sentiment":"neutral","sentiment_score":0.15813091066148546},{"text":"I am fully open that week.","start":4012.125,"end":4014.525,"sentiment":"neutral","sentiment_score":0.21438265591859818},{"text":"What day would suit you both to go through the advice piece together?","start":4014.525,"end":4018.705,"sentiment":"neutral","sentiment_score":0.18292720501239484},{"text":"Yep.","start":4024.81,"end":4025.31,"sentiment":"neutral","sentiment_score":0.07505442202091217},{"text":"I actually work late till 7PM on a Thursday.","start":4026.97,"end":4030.27,"sentiment":"neutral","sentiment_score":0.08057797617382473}],"sentiment":"neutral","sentiment_score":0.1549416843213533,"num_words":38,"start":4008.525,"end":4030.27},{"sentences":[{"text":"Would you like me to book it for then?","start":4030.33,"end":4032.1902,"sentiment":"neutral","sentiment_score":0.07334424720870124},{"text":"Yep.","start":4033.9302,"end":4034.4302,"sentiment":"neutral","sentiment_score":0.2658119797706604},{"text":"Beautiful.","start":4034.6948,"end":4035.015,"sentiment":"positive","sentiment_score":0.4928807318210602},{"text":"And would you prefer four, 04:30, 05:00, 05:30?","start":4035.015,"end":4038.375,"sentiment":"neutral","sentiment_score":0.0737145459279418},{"text":"What time suits you best in the afternoon to go through it together?","start":4038.375,"end":4041.515,"sentiment":"neutral","sentiment_score":0.07100477871986535}],"sentiment":"neutral","sentiment_score":0.09161154460161924,"num_words":32,"start":4030.33,"end":4041.515},{"sentences":[{"text":"Yep.","start":4045.7349,"end":4046.2349,"sentiment":"positive","sentiment_score":0.3766449391841888},{"text":"Absolutely.","start":4046.295,"end":4046.795,"sentiment":"positive","sentiment_score":0.6696605086326599},{"text":"Fantastic.","start":4047.255,"end":4047.755,"sentiment":"positive","sentiment_score":0.7270486354827881},{"text":"So I'll book it in for 5PM there for you.","start":4047.9749,"end":4050.54,"sentiment":"positive","sentiment_score":0.5089418143033981},{"text":"That is Thursday, September 3, and I will make sure everything is up to date and completed by then.","start":4050.54,"end":4058.08,"sentiment":"positive","sentiment_score":0.4153874689026883}],"sentiment":"positive","sentiment_score":0.46109794173389673,"num_words":32,"start":4045.7349,"end":4058.08},{"sentences":[{"text":"The only other thing, just to sort of reconfirm for you, Lisa, is just the pre assessment that we did.","start":4059.1802,"end":4066.385,"sentiment":"neutral","sentiment_score":0.05217848271131516},{"text":"Just need to run through a couple of questions with regards to transfer terms as the cover just to make sure that we've done all of that correctly research wise.","start":4066.845,"end":4076.225,"sentiment":"neutral","sentiment_score":0.05896708046396573},{"text":"And before I do go through those questions, I have to read you a Sorry, guys.","start":4077.565,"end":4093.26,"sentiment":"neutral","sentiment_score":-0.017779587244149297},{"text":"I'm nearly done.","start":4093.26,"end":4094.1401,"sentiment":"neutral","sentiment_score":-0.1624878148237864},{"text":"I promise.","start":4094.1401,"end":4094.72,"sentiment":"neutral","sentiment_score":-0.0032074376940727234}],"sentiment":"neutral","sentiment_score":0.028651131723653262,"num_words":71,"start":4059.1802,"end":4094.72},{"sentences":[{"text":"So alright.","start":4098.135,"end":4098.935,"sentiment":"neutral","sentiment_score":0.061336275190114975},{"text":"So I've got the pre assessment questions here in front of you.","start":4098.935,"end":4101.415,"sentiment":"neutral","sentiment_score":0.0645601296176513},{"text":"I just gotta read the duty of disclosure.","start":4101.415,"end":4103.1147,"sentiment":"neutral","sentiment_score":0.011139837559312582},{"text":"So just because these questions will also factor into the application side of things.","start":4103.255,"end":4108.395,"sentiment":"neutral","sentiment_score":0.051277515079293935},{"text":"I know Maddie would have gone through them with you last time, but this is just sort of updating to make sure there's no changes to your circumstances there.","start":4109.1,"end":4115.7603,"sentiment":"neutral","sentiment_score":0.023964468132832956}],"sentiment":"neutral","sentiment_score":0.036913347588135643,"num_words":65,"start":4098.135,"end":4115.7603},{"sentences":[{"text":"But with the duty of disclosure and reasonable care.","start":4116.14,"end":4118.8604,"sentiment":"neutral","sentiment_score":0.066045254882839},{"text":"So it says when applying for insurance, it is important that you answer the following questions.","start":4118.8604,"end":4123.505,"sentiment":"neutral","sentiment_score":0.0595329359639436},{"text":"To the best of your knowledge, as the applicant, you have a legal duty to take reasonable care not to make a misrepresentation to the insurer before the contract of insurance is entered into.","start":4123.505,"end":4132.805,"sentiment":"neutral","sentiment_score":0.031217821647741777},{"text":"If this duty is not met, it can have a serious impact on your insurances such as your policy may be voided, or the terms of your contract may be changed, declined, or the benefit reduced.","start":4133.025,"end":4143.38,"sentiment":"neutral","sentiment_score":-0.2618294888072544},{"text":"More information about the duty to take reasonable care can be found in the product disclosure statement, which I will provide with the advice document for you.","start":4143.76,"end":4152.58,"sentiment":"neutral","sentiment_score":0.013192504575407063}],"sentiment":"neutral","sentiment_score":-0.0529616702306008,"num_words":122,"start":4116.14,"end":4152.58},{"sentences":[{"text":"I can also attach to the email shortly if you'd like a copy prior.","start":4153.045,"end":4156.825,"sentiment":"neutral","sentiment_score":0.01703769713640213},{"text":"Do you understand your duty of reasonable care?","start":4157.445,"end":4160.505,"sentiment":"neutral","sentiment_score":0.007846917258575559},{"text":"Yep.","start":4161.845,"end":4162.165,"sentiment":"neutral","sentiment_score":0.09134437143802644},{"text":"Beautiful.","start":4162.165,"end":4162.565,"sentiment":"neutral","sentiment_score":0.21718743443489075},{"text":"And privacy policy, when we get to the application side, do you consent to us providing your and collecting your personal information for the use of applying for insurances or transferring insurances in accordance with the insurance privacy policy?","start":4162.565,"end":4176.45,"sentiment":"neutral","sentiment_score":0.03603065964312126}],"sentiment":"neutral","sentiment_score":0.03198461317353778,"num_words":63,"start":4153.045,"end":4176.45},{"sentences":[{"text":"Yep.","start":4178.1904,"end":4178.5903,"sentiment":"neutral","sentiment_score":0.041401006281375885},{"text":"Beautiful.","start":4178.5903,"end":4179.0903,"sentiment":"neutral","sentiment_score":0.25308728218078613},{"text":"Excellent.","start":4179.1504,"end":4179.6304,"sentiment":"positive","sentiment_score":0.34499114751815796},{"text":"Now the questions for this are nice and simple ones.","start":4179.6304,"end":4183.0254,"sentiment":"neutral","sentiment_score":0.042099914699792865},{"text":"It says, are you currently off work or unable to perform your normal full time duties of your occupation on a full time basis?","start":4183.0254,"end":4189.825,"sentiment":"neutral","sentiment_score":-0.04346838057972491}],"sentiment":"neutral","sentiment_score":0.0004658770017527245,"num_words":37,"start":4178.1904,"end":4189.825},{"sentences":[{"text":"So no your normal duties.","start":4189.825,"end":4192.305,"sentiment":"neutral","sentiment_score":-0.07079089656472207},{"text":"No.","start":4192.305,"end":4192.5454,"sentiment":"neutral","sentiment_score":-0.021779289469122887},{"text":"Beautiful.","start":4192.5454,"end":4193.0454,"sentiment":"neutral","sentiment_score":0.07514926791191101},{"text":"Excellent.","start":4194.3853,"end":4194.8853,"sentiment":"neutral","sentiment_score":0.08442150056362152},{"text":"The next one here is, have you in the last twelve months been absent from work or unable to perform your duties of your usual occupation or been unable to perform any domestic duties, anything other than being off work for, say, six days with a cold or a flu?","start":4195.33,"end":4211.895,"sentiment":"neutral","sentiment_score":-0.0928498063236475}],"sentiment":"neutral","sentiment_score":-0.08376988482757888,"num_words":58,"start":4189.825,"end":4211.895},{"sentences":[{"text":"No.","start":4211.895,"end":4212.295,"sentiment":"neutral","sentiment_score":-0.08040760457515717},{"text":"Fantastic.","start":4212.295,"end":4212.795,"sentiment":"neutral","sentiment_score":0.014500580728054048},{"text":"The next one here says, have you been diagnosed with or do you suffer from an illness that may cause inability to work, or have you been diagnosed with a terminal illness?","start":4213.975,"end":4223.515,"sentiment":"neutral","sentiment_score":-0.06916409893892705},{"text":"No.","start":4225.095,"end":4225.595,"sentiment":"neutral","sentiment_score":-0.07585412263870239},{"text":"Fantastic.","start":4225.73,"end":4226.23,"sentiment":"neutral","sentiment_score":-0.023661237210035324}],"sentiment":"neutral","sentiment_score":-0.0660742652705974,"num_words":36,"start":4211.895,"end":4226.23},{"sentences":[{"text":"Have you ever had an insurance application for death, death and TBD, terminal illness, or income protection, or accident and sickness ever refused?","start":4226.77,"end":4234.71,"sentiment":"neutral","sentiment_score":-0.06409310824845148},{"text":"No.","start":4236.4497,"end":4236.69,"sentiment":"neutral","sentiment_score":-0.06052195280790329},{"text":"Fantastic.","start":4236.69,"end":4237.19,"sentiment":"neutral","sentiment_score":-0.008739791810512543},{"text":"Have you ever been paid, or are you eligible to be paid, or are you currently in the process of submitting a claim for any illness or injury through the workers' compensation fund, government benefits, or any insurance policy providing terminal illness, TBD, income protection, or accident or sickness cover?","start":4237.89,"end":4255.36,"sentiment":"neutral","sentiment_score":-0.04594138499349356},{"text":"No.","start":4256.86,"end":4257.18,"sentiment":"neutral","sentiment_score":-0.09556584060192108}],"sentiment":"neutral","sentiment_score":-0.051789977955386826,"num_words":76,"start":4226.77,"end":4257.18},{"sentences":[{"text":"It's beautiful.","start":4257.18,"end":4257.84,"sentiment":"neutral","sentiment_score":-0.004608575254678726},{"text":"And have you ever had an insurance application for death death and total permanent disability, income protection, terminal illness cover modified or offered on nonstandard terms.","start":4258.06,"end":4270.5347,"sentiment":"neutral","sentiment_score":-0.08167759608477354},{"text":"No.","start":4272.0347,"end":4272.355,"sentiment":"neutral","sentiment_score":-0.05594815686345101},{"text":"Beautiful.","start":4272.355,"end":4272.755,"sentiment":"neutral","sentiment_score":0.05127107724547386},{"text":"Thank you so much for that.","start":4272.755,"end":4273.715,"sentiment":"neutral","sentiment_score":0.16522585352261862}],"sentiment":"neutral","sentiment_score":-0.03183768353321486,"num_words":36,"start":4257.18,"end":4273.715},{"sentences":[{"text":"So sorry.","start":4273.715,"end":4274.195,"sentiment":"neutral","sentiment_score":-0.1355225071310997},{"text":"Those are very wordy.","start":4274.195,"end":4275.235,"sentiment":"neutral","sentiment_score":-0.2922682724893093},{"text":"They're small questions, but they're very wordy.","start":4275.235,"end":4277.415,"sentiment":"neutral","sentiment_score":0.08385861026389259},{"text":"I love it.","start":4280.755,"end":4281.395,"sentiment":"positive","sentiment_score":0.842863937218984},{"text":"Thank you so much for that.","start":4281.395,"end":4282.7,"sentiment":"positive","sentiment_score":0.8690044283866882}],"sentiment":"neutral","sentiment_score":0.31315957043658604,"num_words":22,"start":4273.715,"end":4282.7},{"sentences":[{"text":"That's the only part of the pre assess beautiful.","start":4282.7,"end":4285.04,"sentiment":"positive","sentiment_score":0.4097806298070484},{"text":"That's the only part of the pre assessment we need to essentially look at for you.","start":4285.18,"end":4289.52,"sentiment":"positive","sentiment_score":0.41879670321941376},{"text":"Now I'm just confirming.","start":4290.94,"end":4292.16,"sentiment":"neutral","sentiment_score":0.18526393547654152},{"text":"So you currently work a thirty eight hour week.","start":4292.3003,"end":4294.46,"sentiment":"neutral","sentiment_score":0.09000027428070705},{"text":"If we drop that to half, you'd be working about nineteen hours per week.","start":4294.46,"end":4298.715,"sentiment":"neutral","sentiment_score":0.14964337700179645}],"sentiment":"neutral","sentiment_score":0.26990073861984104,"num_words":52,"start":4282.7,"end":4298.715},{"sentences":[{"text":"Beautiful.","start":4300.375,"end":4300.875,"sentiment":"positive","sentiment_score":0.6953444480895996},{"text":"That's the only other thing I'll double check with the insurer and the terms is making sure that that many hours is fine.","start":4301.015,"end":4306.935,"sentiment":"neutral","sentiment_score":0.21240670071995776},{"text":"It shouldn't be a problem because it's only life and TPD that we're transferring.","start":4306.935,"end":4309.7803,"sentiment":"neutral","sentiment_score":0.11236811482480594},{"text":"It doesn't have income protection effects, so that's okay.","start":4309.7803,"end":4312.52,"sentiment":"neutral","sentiment_score":0.060581137943598956},{"text":"That is honestly everything I need at the moment.","start":4313.22,"end":4315.3003,"sentiment":"neutral","sentiment_score":0.3287985457314385}],"sentiment":"neutral","sentiment_score":0.1903262379512723,"num_words":56,"start":4300.375,"end":4315.3003},{"sentences":[{"text":"If I do have any additional questions, I will make sure I contact you.","start":4315.3003,"end":4318.58,"sentiment":"neutral","sentiment_score":0.09894867773566927},{"text":"But thank you so much for your time.","start":4318.58,"end":4320.2603,"sentiment":"positive","sentiment_score":0.5776736624538898},{"text":"I'm sorry.","start":4320.2603,"end":4320.66,"sentiment":"neutral","sentiment_score":-0.07087358832359314},{"text":"It's been a long call.","start":4320.66,"end":4321.8804,"sentiment":"neutral","sentiment_score":-0.13320984244346618},{"text":"Just want to make sure we touch on everything for you guys, and I'll get this advice document ready.","start":4322.1753,"end":4326.995,"sentiment":"neutral","sentiment_score":0.12997465659128993}],"sentiment":"neutral","sentiment_score":0.15975818488126,"num_words":48,"start":4315.3003,"end":4326.995},{"sentences":[{"text":"I'll send you the email shortly, and Maddie will follow-up there with the the ID checks for you both.","start":4327.455,"end":4333.395,"sentiment":"neutral","sentiment_score":0.14060971434963376},{"text":"Okay?","start":4333.455,"end":4333.955,"sentiment":"neutral","sentiment_score":0.11331657320261002},{"text":"Easy.","start":4335.535,"end":4336.015,"sentiment":"positive","sentiment_score":0.6892274618148804},{"text":"Thank you so much.","start":4336.015,"end":4336.92,"sentiment":"positive","sentiment_score":0.8122659176588058},{"text":"I'll let you go to enjoy your dinner.","start":4336.92,"end":4338.86,"sentiment":"positive","sentiment_score":0.661476343870163}],"sentiment":"positive","sentiment_score":0.36409100088657753,"num_words":33,"start":4327.455,"end":4338.86},{"sentences":[{"text":"Sorry about the time.","start":4339.16,"end":4340.46,"sentiment":"neutral","sentiment_score":0.03124212473630905},{"text":"Thank you so much for your time.","start":4342.76,"end":4344.12,"sentiment":"positive","sentiment_score":0.7214299610682896},{"text":"I really appreciate it.","start":4344.12,"end":4345.08,"sentiment":"positive","sentiment_score":0.7858837097883224},{"text":"Have a good night.","start":4345.08,"end":4345.96,"sentiment":"positive","sentiment_score":0.6440159231424332},{"text":"Thank you.","start":4345.96,"end":4346.6997,"sentiment":"positive","sentiment_score":0.5864934921264648}],"sentiment":"positive","sentiment_score":0.5746458924952007,"num_words":21,"start":4339.16,"end":4346.6997},{"sentences":[{"text":"See you later.","start":4348.12,"end":4348.84,"sentiment":"neutral","sentiment_score":0.2552132805188497},{"text":"Bye.","start":4348.84,"end":4349.34,"sentiment":"neutral","sentiment_score":-0.07755238562822342}],"sentiment":"neutral","sentiment_score":0.1720218639820814,"num_words":4,"start":4348.12,"end":4349.34}]}}]},{"alternatives":[{"transcript":"Francisco speaking. Yeah. I can hear you. I don't know. You you got me? I can. Yep. Yeah. Lisa's phone just showed up and missed call, and it didn't even ring. We're all sitting here looking at the phone. So ring up. Yep. Yeah. We are. Hi, Dana. Lisa in the background. That's okay. How's your daughter? Yeah. Yeah. Yeah. Yeah. You are. No worries. No need to apologize. I'd be doing the same. Yeah. Yep. That's fine. Yep. Good. Yes. Much better not working. Yeah. Yes. The only thing that's changed there is that I want to consider 50% work as well. So and whether we can achieve that or whether I'm better off holding off. So yeah. Mhmm. If we can access it earlier no. No. We wanna see. We wanna access the Super at 60. Yeah. Yeah. We'll still still keep working till then. Yeah. Yep. Yeah. Is that, like, high, or is that No. That's that's that's why. Well, at the moment, we have a we have a general expenditure at the moment of around about what is it? Hang on a minute. General 4.5 $4,700 a month. K. Yeah. Everything's going up. Okay. I think it was supposed to be $66,000 each, maybe. That would be too hard. Yeah. Well well, maybe maybe we'll bump up. Maybe we'll meet halfway and do 4,000 each. Does that sound reasonable then? That's that's yep. 8,000 a month? That's 90 that's 96,000 a year. That's not too bad. Because none of that will be taxed, will it? That's just straight. Yeah. Yep. Yep. K. So it's just figuring out if we can achieve that and still have that if I drop back hours as well. Yeah. Both of us joined? At the moment, our general expenditure, but that includes, like, food, private health, unions, services, rates, water, insurances, and all our vehicle transports and stuff, is around about 4,700 a month. But keeping in mind, a lot of those will be gone because we won't have motorbikes. Two unions. And and all of those things, like, then when we retire. Yeah. Yeah. Yeah. Probably fine. Yeah. Yep. So you want annual gross, or do you want take home? So my annual gross my annual gross is a $195.07 6 a year, and my take home, which I only have in monthly, is $5.01 $4.08 and 60¢ a month. And that's working, you know, full time well, four days of four days of well, full full time. Yeah. Full time out. I assume so anyway. A bit of a tech. Probably be a little bit that's a bit more. Yeah. Okay. Hang on one sec. It's on oh, wrong phone. I think I've got space, and that was mine. Just get my payslip. That'll be easier to look at. Because I think I've I've with me dropping wages, I've gone to just shy of 1,500 a week instead of two instead of $2.04. So it was only a $900 drop. So I my alley, right, is that oh, sorry. Yeah. It's 14 1,400 and change, I think I am. Let me get you down. You are now I don't have your weekly. I've just got 517104 a month. $5.01 $7.01. Yeah. Hang on. Aren't you 5,000 a month? I'm the same I'm the same if I drop down. Oh, okay. Yep. Oh, so that's not what my job is. No. Yours is wrong. Sorry. I'm giving you my wrong pay. That's that's a fortnight you've given up. Yeah. I have. Will be double that figure that she gave you, so it'll be 10,000 and something. It'll be 10,000 6 101. Yeah. Double one. Yeah. You were thinking that was very small if I'm gonna have that. Sorry. Do you want my hourly rate? My my hourly rate is $100 and 3611, so 03611. It's thirty yeah. I think it's thirty eight. So it'll be half of that. That's just yeah. Approximately that we'll be working on because I'd have to find someone to job share. Yeah. Mhmm. Yes. Yeah. So tell you the exact I'll I'll go into the Commonwealth Bank and tell you the exact amount that's coming in. Wrong. It's not. Oh, ignore that. Yeah. I haven't changed that yet. And that's that's it's got expenses in it. Don't forget. It's got expenses taken out of it. Yeah. So you can't look at my bank. Oh, then I don't have your pay stub. No. I sent some home, didn't I? You did. Yeah. Because there's there's I pay into shares out of my pay, and I pay accommodation out of my pay, which is all So you pay Yeah. Yeah. She's got one coming now. Just taking sweet time to download. Can you access that, Scott? So mine doesn't seem to work anymore for me. Well, that's in the mail. No. But you carry on, and I'll I'll come back to you with Yep. That's okay. Easy. What Yep. Yeah. Yeah. So I think that's the question we wanna ask. We've got at the moment, we've we've paid it all off. We've got we've left our home loan open for the moment. It's got about how much is in in it? Let me just look. 193,600 owing on it, but we're not paying any interest because we've got about $387,000 sitting in the offsetting. Account. So but we'll have to take a $100,100,000 out of that for capital gains. So after we like, if we were to pay off the loan fully and pay off the capital gains, we'd be like we'd have about a $100,000 in Equity. Equity, like, and just sitting there as cash. So we're sort of like, do we pay the home loan after we leave the home loan there? And the main reasons we're we're thinking about that is because we're looking at buying a motor home and traveling. Doing a lot of Australia. So which helps us if we're working 50%. So I was sort of trying to decide what the better approach is there. Yeah. Well, that's the thing with We'll have a 100,000 left over. We've probably got a $100,000 of assets we're gonna sell. And then just a bit of maybe a bit of change, we'll pull back out of the home loan and only have 50,000 to pay off the home loan or something, which is why we haven't closed it down yet because home loan rate's better than car loan rates. So what we were thinking is that that what we should with a better idea then? Yes. Yeah. Yeah. Okay. Yep. Okay. Yes. Yeah. Yeah. So we still have the home loan. At the at the moment, we've got a 193,000. We only pay 320 a month, which is Which is because there's no no interest. We still pay a a monthly payment because they make you pay a payment. But yeah. So that'd be sort of similar, but we'd have that little bit of interest for Yes. $50 or something that we pull out for the the home loan. The Motorhome. Motorhome. Yeah. Well, I think the because we're looking at a brand new one. Well well, we're looking at a very close to new one. So it's probably around about $250, which means we'll we'll use a 100 of the offset money that was got left over. We use a 100 of our assets that we gotta sell, and we'll use 50 of the home loan. And then we still got a $250,000 asset as well in the motor home. Yep. The the sorry. The the Assets out. No. That's actually I've got a new car, but I haven't sold the Tesla. And and an agreement when we get the motor home is that they're selling the jet skis. So the two jet skis and the trailer. So Jet skis. We estimate them all joined together being $100. At least. Yep. Yep. Yes. Yes. A full motor home you drive around. Yeah. No. No. Probably just one of one of my little motorbikes I'll stick on the back of it. Yeah. Yeah. But you said 1.9, didn't you? I thought it would be about 1.92 mil. Yeah. Yep. Two is fine. Two is fine, I think. Yeah. Yes. And that's the one we're going to sell or set trying to sell. I've got it actually at 55,000 at the moment. Outright. No loans. Yep. Yes. We do. That's 85? What have we got on that? What have we got on that for a value? Yeah. No. There's debt on that one. We owed currently I'm on the wrong phone again. Got my phone. Gotta keep sorry. Got different 45. It's a third of it. So I $50.50. I think it's 43,000. Yeah. 43 is quite a lot. Yeah. Yep. Yep. Yeah. We've kinda put for the jet skis and its trailer. We're thinking we'll sell it for around between 50 to 60, so probably 55. No loans. Yeah. Yep. Probably just sell them as a package. I think I'll just leave it as that, but I do have another vehicle that you've gotta add. It's a BYDC line eight. What what was your name? 70000. 70000? And I do have a loan on that. I think I owe around about what do I can I have The same thing? Around about the same because it's only recent. It's only, like, four months old or a couple of months old. And it like, both of our vehicle loans, just so you know, they're both at, like, what his is 1.99%, and one's mine's 1.89%. So they're very low interest rates. Yeah. Yep. Yeah. That's why we didn't bother paying them out with the money we had in the offset. We're like, that's too low. It just Yeah. With BYD. BYD. Yeah. That's what I do to shift shift units. Yeah. Up to date by the Chinese government, I'm guessing. No. No. No. They have nothing in three years. Yep. Yep. Well, mine in two. Two, mine in three. So the shark in shark in two. Yeah. Yeah? Yep. Yeah. Yeah. Hi. Both both hybrids. But mainly, they drive lock and electric. Yeah. They've just got a generator here to get you going multiple. Yep. Yeah. Well, your card goes pages on the line trip. Yeah. We can do it. Oh, yeah. Yeah. So good. Do you mention the other you've got the other house there, haven't you? The other unit in Melumbin that we own? Okay. Yeah. 287,000. What we bought. That's what we bought it for. So 300 now because it's Probably 300. Cost the road trying to sell the one for For 400. For 400. 3 100. That's owned out? No. No. Not. Yeah. But it's owned with my parents. So all four of us don't own it, and they it's not. But I own it. Yeah. We just had to put their name on the lease to Allow them to live in it. Yeah. Agree. So we own it. When it says ours, it's in the will that it's ours. It's it's yeah. No. Rent free. Rent free to us. Yeah. Yes. Just just just an asset appreciating slowly. Yeah. Yes. Yep. Yep. Yep. That's still happening. I think it's up to 80,000 there. 83 eighty 3, was it? Let's see. I was looking at the spreadsheet. It should be in here somewhere. Why is it not in there? It's asking the person that created the spreadsheet. That's the other spreadsheet, though. Yeah. That's the one where I said I'm working 50%. Yeah. That's a good one. That's a good one. So what have we got there? There it is. But you can't No. You can't see it from an email. You gotta log in. Oh. So if you haven't got it written in a spreadsheet, you can't see it. And I'll put in the spreadsheet. It goes up a great rate or not. So it's insane. Because they match whatever I buy. They match every three like, in the rolling three year period. So so pretty pretty much 50% shares because yeah. 88,000. Oh, you found it? Eight eight no. Yep. Yeah. That's where it's 80 thousand 703. So 80,000, not 88. Okay. Yeah. Can't read the numbers where they aren't. 80,000. 80,000. Well, let me look. Yep. Yep. It'll definitely go up. But, yeah, it's it's going. I can yeah. Yep. Just keep. Yep. Retirement. Yep. Because I'll keep growing and getting matched as long as I you know, if I work to 60, they'll keep matching them till I'm 60. So Yep. Yep. Yep. Yeah. We'd probably sell it. I think we'd sell it depending on, you know, what was going on with us. If we were not well and had to downgrade at home, we'd just probably leave leave it and sell this one. But I the intention at at this stage, if all is going good, we'll just sell it. Yeah. Yeah. Most likely. Exactly. So to speak. But they are 70 my dad's 78, and my mom's 77. So, you know yeah. No. That they won't change ever. It's everything goes to our daughter and me. So me. So that will never change. We only have one child. It's easy. We made it so it was just, like, no matter what, it was just either me or Katie. So that was just yeah. Didn't have to change it later, and she could look after any distribution. She's 28. No. She's she's fully depend yeah. Independent herself. She's got a husband and and a grand and given us a grandchild and yeah. We're afraid. Oh, boy. Oh. Yeah. Very, very different vibe. It's way more fun than being a parent. Way more fun. It's way better. Yeah. It's it's way better. Yes. You get to just you don't have to be the the rule enforcer or any of that. You get to give them back, and you get all the love. Yep. Exactly. Yes. Yeah. Yeah. Yep. Yep. And looking at least at super two to see if it's worth air moving to HubBook 24 or leaving where it is or all of that. Yeah. Yep. Yes. Vice versa. Yep. No. That's that's good. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yes. Yep. Definitely. Yes. Fine. Yeah. Yep. That'd be good. Yes, please. Cool. Yeah. Yes. Yes. No worries. Yep. Yep. Yep. Yeah. Not at all. That's okay. Yeah. I'm I'm still happy to keep it. Yes. Yeah. Yep. No. There shouldn't be. Yep. Do I have trauma in mind? Or Oh, no. Yeah. Yep. Yeah. Yeah. Yeah. Need compensation. That's the one I got. Yeah. Yeah. Yep. Yeah. No. That's good. Yeah. No. I don't think we either of us what do you reckon you don't need? No. No. We don't need trauma. Yep. Oh, yeah. Yes. Yep. That'll save us some money. So Yeah. Yep. Yep. Well, overpaying. Well, even needs 525 in cover. Okay. Yeah. Like, that's yeah. Because that's that was when we had a pretty big home loan. I just wanted to make sure Lisa was right. But We may not even know by the time. So we could probably drop that into a just so she gets something. But Yep. Yeah. Possibly about 50 to 100. Yes. So it's just gonna be out of that pretty much. Yeah. So, yeah, it could probably be a lot more. Yes. It might that might pay to drop that once we know what we're we're in for. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. That's for that insurance. Yeah. No. We could probably suck your cake. What do you want? K. Not for you because this is if I'm gone, is that enough for you to live off? I feel gone. I don't need as much to live off. Can you leave more extravagant than me? Sorry. We can probably because because that'll make the Some are basics. So if we drop that, that means that the soup is gonna grow quicker, isn't it? Yeah. Yep. Yeah. Yep. Yep. That sounds good. Yep. Yep. Yep. Yep. I think we look at either halving it or getting rid of it altogether, like, maybe do the two scenarios because, you know, we're sitting pretty pretty well. So even Like, if it Like, if it makes a big impact on the If one of it passes, you know, everything the second car goes, the second bike goes, you know, everything can go because so I think yeah. Look. It's yeah. I'm not sure you need it. Yeah. Yeah. Maybe definitely definitely have it, but maybe and we'll see what it's worth. But, you know, that's the way I look at it is all that money going into my super is only gonna help it grow quicker than Especially now you're going half. Yeah. But I'm still paying I'm still paying extra. I'm still paying the full amount of super that I can every year. Yeah. I'll just pull that out of my wage. Yep. Yep. Yeah. Right. Yeah. Yep. Yep. That sounds good. Yep. Yep. Yep. That sounds great. Yep. Cool. That sounds great. Yeah. Yeah. Yep. I've got I've got $5.17 $7.09 6 and 96¢ at the moment in my Brighter Super. Yep. I'm just going in there now. These are the wonderful apps that are a little bit slow. So so one forty eight one one two and forty one cents. So that's on top of my $5.17, isn't it? Yeah. I keep thinking I have a small amount, and then I remember I've got two. Yeah. Yep. I pretty much have to keep that one there until I'm at least 55, it says. Otherwise, I lose, like, $20 out of that, which is not worth it. Yep. Yeah. Euros. Yep. Yep. Yep. We're just laughing at the young fella at the door trying to make his way in. We've got the door closed? Yeah. Yep. Yep. At link dot Same. Yeah. Yep. Yep. Maybe maybe down the track as we get on, we might drop to a from a three to a two sort of thing, like, a slightly safer, but, yeah, we'd like to get the balance up too. Like, we'd like to get our balance up higher. So Yep. Yep. No. Like, now we're happy for it to to grow and grow it as much as we can. Yeah. Yep. Yep. That's cool. Yep. Off expenses. Yep. Yep. Yes. Cool. Imagine what I'll do for you. Yeah. Yeah. Yep. Yep. Cool. It's just looking like it is. Yes. Yep. I'll I'll yeah. I'll make whatever the maximum you can use, I think, every year. So that way, it doesn't my that way cutting back half time doesn't really affect the super Awesome. Is what I Hasn't it? Yeah. What's the what what's what's easier? What's better? In more often. Yep. That's true. Yep. That's yep. Yep. Yep. Because that way, then when I get on my bench, when I get on my bank, that's sort of good. Yep. So you don't go over? Yep. Yep. Yep. Yeah. Yeah. That's fine. Yeah. Yep. Yes. Yes. Yep. So pretty much to be in the same position as Scott. So yeah. Yes. Salary sacrificing as well and making sure we can still live. It's not all whip her and make her work till she's 50. Yep. Yep. No. That's good. Yep. Yes. Yep. Yep. The only other thing is the super for me, brighter super is still under Lisa Bergen. Yep. Yep. Cool. Sounds good. And and, yeah, with with signing up, obviously, I'm I'm happy to go ahead with signing up. So whatever I need to do to do that, just just let me know and I'll sign whatever needs to be signed. Yep. Yep. Nope. It's good. All good. Yeah. What do you slip? Yep. No worries. Yep. All good. No. No. That works good. Pretty good. Keeping up. Okay. Okay. So my payslip, do you want the latest one I've currently got, or I gotta go to work and send so I'll come back at work for a fortnight, probably. So do you want the the latest latest one? Or I've got one from a I think it's I think it's the same. I think it's the same. Same pay, same you've got yeah. Cool. Yeah. Because That shows it shows my yeah. And it shows manual salary and and yeah. And and, yeah, what what my take home is each week and all that. Yeah. That's fine. Alright. Any day, yeah, I'm fine. Free too. So In the afternoons. Any any afternoon? Yep. Sounds good. Yep. Sounds good. Maybe five. Yeah. Good. Five 05:00 would be great. It's gonna get turned out quickly. Yep. Yes. Yep. No. No. No. Nope. No. No. That's okay. My answers are the same as when I did the pre assessment, so nothing changed. Cool. Awesome. Cool. Alright. I Yeah. Yeah. Bye.","confidence":0.98159814,"words":[{"word":"francisco","start":0.32,"end":0.71999997,"confidence":0.22485408,"punctuated_word":"Francisco","sentiment":"neutral","sentiment_score":0.005888795480132103},{"word":"speaking","start":0.71999997,"end":1.22,"confidence":0.98992074,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.012923983857035635},{"word":"yeah","start":18.055,"end":18.375,"confidence":0.8901453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03753865510225296},{"word":"i","start":18.375,"end":18.535,"confidence":0.9955781,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03295230120420456},{"word":"can","start":18.535,"end":18.695,"confidence":0.9997458,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.030433569103479385},{"word":"hear","start":18.695,"end":18.935,"confidence":0.9986205,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.02742273546755314},{"word":"you","start":18.935,"end":19.175,"confidence":0.99174523,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.02425721473991871},{"word":"i","start":19.175,"end":19.335,"confidence":0.9923254,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.004165172576904297},{"word":"don't","start":19.335,"end":19.575,"confidence":0.9983864,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03378036618232727},{"word":"know","start":19.575,"end":20.075,"confidence":0.9379978,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.038064803928136826},{"word":"you","start":21.735,"end":21.855,"confidence":0.9855391,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.03331257030367851},{"word":"you","start":21.855,"end":21.975,"confidence":0.5001355,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02479577623307705},{"word":"got","start":21.975,"end":22.215,"confidence":0.9928503,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.02345740422606468},{"word":"me","start":22.215,"end":22.715,"confidence":0.9985121,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":-0.019098427146673203},{"word":"i","start":23.494999,"end":23.735,"confidence":0.9092648,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03194855898618698},{"word":"can","start":23.735,"end":24.235,"confidence":0.5913669,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.02755395509302616},{"word":"yep","start":26.855,"end":27.355,"confidence":0.8884223,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.07095467299222946},{"word":"yeah","start":27.415,"end":27.915,"confidence":0.68082356,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.036656320095062256},{"word":"lisa's","start":28.3,"end":28.619999,"confidence":0.9493901,"punctuated_word":"Lisa's","sentiment":"neutral","sentiment_score":-0.1232166513800621},{"word":"phone","start":28.619999,"end":29.019999,"confidence":0.96860105,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.10636631399393082},{"word":"just","start":29.019999,"end":29.42,"confidence":0.99596244,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15322445333003998},{"word":"showed","start":29.42,"end":29.66,"confidence":0.9794509,"punctuated_word":"showed","sentiment":"neutral","sentiment_score":-0.12142295390367508},{"word":"up","start":29.66,"end":29.82,"confidence":0.9948003,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1327318549156189},{"word":"and","start":29.82,"end":29.9,"confidence":0.45890945,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15057578682899475},{"word":"missed","start":29.9,"end":30.14,"confidence":0.99306035,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":-0.13994084298610687},{"word":"call","start":30.14,"end":30.3,"confidence":0.7224802,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":-0.1608959287405014},{"word":"and","start":30.3,"end":30.46,"confidence":0.9755392,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16533717513084412},{"word":"it","start":30.46,"end":30.539999,"confidence":0.9748828,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19932155311107635},{"word":"didn't","start":30.539999,"end":30.699999,"confidence":0.9999027,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.1994248330593109},{"word":"even","start":30.699999,"end":30.859999,"confidence":0.9993057,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.1833946704864502},{"word":"ring","start":30.859999,"end":31.099998,"confidence":0.99782944,"punctuated_word":"ring.","sentiment":"neutral","sentiment_score":-0.159115731716156},{"word":"we're","start":31.099998,"end":31.259998,"confidence":0.99532676,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.13489970564842224},{"word":"all","start":31.259998,"end":31.42,"confidence":0.98195004,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1076742261648178},{"word":"sitting","start":31.42,"end":31.66,"confidence":0.99976546,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.11848676204681396},{"word":"here","start":31.66,"end":31.98,"confidence":0.9998336,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.11222226917743684},{"word":"looking","start":31.98,"end":32.48,"confidence":0.6093867,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.09799429774284364},{"word":"at","start":32.7,"end":32.86,"confidence":0.84311813,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.12521874904632568},{"word":"the","start":32.86,"end":33.02,"confidence":0.9862621,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1037316620349884},{"word":"phone","start":33.02,"end":33.42,"confidence":0.80600893,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":-0.06785842776298523},{"word":"so","start":33.42,"end":33.92,"confidence":0.96814305,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.029890157282352448},{"word":"ring","start":39.18,"end":39.5,"confidence":0.8678961,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":-0.144656702876091},{"word":"up","start":39.5,"end":40.0,"confidence":0.55187213,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.1574402004480362},{"word":"yep","start":44.335003,"end":44.835003,"confidence":0.9210104,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.00555028161033988},{"word":"yeah","start":46.415,"end":46.915,"confidence":0.81116736,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010507994331419468},{"word":"we","start":47.855,"end":48.095,"confidence":0.82173085,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.036540113389492035},{"word":"are","start":48.095,"end":48.595,"confidence":0.9915476,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":-0.007242640480399132},{"word":"hi","start":48.895,"end":49.215,"confidence":0.9961333,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.07231191545724869},{"word":"dana","start":49.215,"end":49.695,"confidence":0.8173276,"punctuated_word":"Dana.","sentiment":"neutral","sentiment_score":0.0651082843542099},{"word":"lisa","start":49.695,"end":50.015,"confidence":0.6486813,"punctuated_word":"Lisa","sentiment":"neutral","sentiment_score":0.04848135635256767},{"word":"in","start":50.015,"end":50.175003,"confidence":0.965406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04364090412855148},{"word":"the","start":50.175003,"end":50.255,"confidence":0.99752396,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03546033054590225},{"word":"background","start":50.255,"end":50.755,"confidence":0.99386656,"punctuated_word":"background.","sentiment":"neutral","sentiment_score":0.045531246811151505},{"word":"that's","start":58.97,"end":59.21,"confidence":0.9645003,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.06355079263448715},{"word":"okay","start":59.21,"end":59.53,"confidence":0.9993008,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.06506986916065216},{"word":"how's","start":59.53,"end":59.85,"confidence":0.98389125,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.011203259229660034},{"word":"your","start":59.85,"end":60.01,"confidence":0.967533,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.013986680656671524},{"word":"daughter","start":60.01,"end":60.51,"confidence":0.9984977,"punctuated_word":"daughter?","sentiment":"neutral","sentiment_score":0.022125352174043655},{"word":"yeah","start":68.17,"end":68.67,"confidence":0.99550575,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.28580349683761597},{"word":"yeah","start":70.095,"end":70.595,"confidence":0.766516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11900155246257782},{"word":"yeah","start":85.08,"end":85.58,"confidence":0.9846469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05891092121601105},{"word":"yeah","start":98.12,"end":98.62,"confidence":0.99600184,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014377649873495102},{"word":"you","start":117.590004,"end":117.83,"confidence":0.25236475,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.03896588087081909},{"word":"are","start":117.83,"end":118.33,"confidence":0.8018592,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":-0.011063369922339916},{"word":"no","start":128.785,"end":129.02501,"confidence":0.93053085,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.03559260442852974},{"word":"worries","start":129.02501,"end":129.345,"confidence":0.99636066,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.042567308992147446},{"word":"no","start":129.345,"end":129.585,"confidence":0.9694818,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.036898646503686905},{"word":"need","start":129.585,"end":129.74501,"confidence":0.9986512,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.030941326171159744},{"word":"to","start":129.74501,"end":129.905,"confidence":0.9987857,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0015721023082733154},{"word":"apologize","start":129.905,"end":130.405,"confidence":0.99119115,"punctuated_word":"apologize.","sentiment":"neutral","sentiment_score":-0.01588210090994835},{"word":"i'd","start":131.345,"end":131.505,"confidence":0.96970266,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.07838309556245804},{"word":"be","start":131.505,"end":131.66501,"confidence":0.9897704,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04632573947310448},{"word":"doing","start":131.66501,"end":131.985,"confidence":0.9993143,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.3402169644832611},{"word":"the","start":131.985,"end":132.145,"confidence":0.99947256,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2712506651878357},{"word":"same","start":132.145,"end":132.645,"confidence":0.99945307,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.3214918375015259},{"word":"yeah","start":139.12001,"end":139.62001,"confidence":0.73230684,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.052381567656993866},{"word":"yep","start":147.04001,"end":147.44,"confidence":0.8686011,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0818524956703186},{"word":"that's","start":147.44,"end":147.76001,"confidence":0.66425955,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1427466869354248},{"word":"fine","start":147.76001,"end":148.26001,"confidence":0.9923259,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1778339445590973},{"word":"yep","start":163.155,"end":163.475,"confidence":0.75097644,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07751454412937164},{"word":"good","start":163.475,"end":163.875,"confidence":0.9857857,"punctuated_word":"Good.","sentiment":"neutral","sentiment_score":0.1522737443447113},{"word":"yes","start":163.875,"end":164.375,"confidence":0.99774766,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08446542918682098},{"word":"much","start":164.435,"end":164.675,"confidence":0.9908642,"punctuated_word":"Much","sentiment":"neutral","sentiment_score":0.06095725670456886},{"word":"better","start":164.675,"end":164.915,"confidence":0.99888164,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.03702075406908989},{"word":"not","start":164.915,"end":165.155,"confidence":0.96020126,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.02830064669251442},{"word":"working","start":165.155,"end":165.635,"confidence":0.8994734,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":0.004720043390989304},{"word":"yeah","start":165.635,"end":166.135,"confidence":0.8755049,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10035375505685806},{"word":"yes","start":185.485,"end":185.80501,"confidence":0.8172612,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06944540143013},{"word":"the","start":185.80501,"end":185.96501,"confidence":0.99816895,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04389463737607002},{"word":"only","start":185.96501,"end":186.125,"confidence":0.9999523,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.030105236917734143},{"word":"thing","start":186.125,"end":186.365,"confidence":0.999263,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.04159087687730789},{"word":"that's","start":186.365,"end":186.60501,"confidence":0.9900844,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.028148513287305832},{"word":"changed","start":186.60501,"end":186.925,"confidence":0.9981766,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.014696259051561356},{"word":"there","start":186.925,"end":187.24501,"confidence":0.9994702,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.003222387284040451},{"word":"is","start":187.24501,"end":187.32501,"confidence":0.8711363,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.001195400953292847},{"word":"that","start":187.32501,"end":187.725,"confidence":0.9904992,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01968315616250038},{"word":"i","start":187.725,"end":187.88501,"confidence":0.99880326,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01092047244310379},{"word":"want","start":187.88501,"end":188.125,"confidence":0.9979722,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.00585082545876503},{"word":"to","start":188.125,"end":188.205,"confidence":0.99964094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012424834072589874},{"word":"consider","start":188.205,"end":188.705,"confidence":0.99994266,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.011337853968143463},{"word":"50%","start":188.925,"end":189.565,"confidence":0.9979742,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.02503669634461403},{"word":"work","start":189.565,"end":189.80501,"confidence":0.99892056,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.024409901350736615},{"word":"as","start":189.80501,"end":189.96501,"confidence":0.9996798,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.022319700568914413},{"word":"well","start":189.96501,"end":190.46501,"confidence":0.94196826,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.02675730176270008},{"word":"so","start":192.365,"end":192.60501,"confidence":0.9853158,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.035820845514535904},{"word":"and","start":192.76501,"end":193.005,"confidence":0.9998128,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.054645344614982605},{"word":"whether","start":193.005,"end":193.32501,"confidence":0.9997682,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.05430255085229874},{"word":"we","start":193.32501,"end":193.485,"confidence":0.9998354,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07956791669130325},{"word":"can","start":193.485,"end":193.80501,"confidence":0.99971884,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07775208353996277},{"word":"achieve","start":193.80501,"end":194.205,"confidence":0.99979275,"punctuated_word":"achieve","sentiment":"neutral","sentiment_score":0.07844163477420807},{"word":"that","start":194.205,"end":194.52501,"confidence":0.9993944,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05096813291311264},{"word":"or","start":194.52501,"end":194.76501,"confidence":0.93432117,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02632122114300728},{"word":"whether","start":194.76501,"end":195.085,"confidence":0.9998111,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.009061500430107117},{"word":"i'm","start":195.085,"end":195.24501,"confidence":0.9990063,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.002053226111456752},{"word":"better","start":195.24501,"end":195.565,"confidence":0.9997303,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.001638256013393402},{"word":"off","start":195.565,"end":195.725,"confidence":0.9921334,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.0167862419039011},{"word":"holding","start":195.725,"end":196.125,"confidence":0.99685955,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":-0.02302325703203678},{"word":"off","start":196.125,"end":196.365,"confidence":0.96862054,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.002936427481472492},{"word":"so","start":196.365,"end":196.865,"confidence":0.9842114,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0251629501581192},{"word":"yeah","start":198.28,"end":198.78,"confidence":0.996143,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04085593670606613},{"word":"mhmm","start":204.52,"end":205.02,"confidence":0.9731097,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03622903302311897},{"word":"if","start":219.815,"end":220.055,"confidence":0.55646247,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.016206124797463417},{"word":"we","start":220.055,"end":220.215,"confidence":0.99883646,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.010642711073160172},{"word":"can","start":220.215,"end":220.455,"confidence":0.9996886,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.02384372055530548},{"word":"access","start":220.455,"end":220.775,"confidence":0.99928325,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.025832876563072205},{"word":"it","start":220.775,"end":221.015,"confidence":0.99790925,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02531706914305687},{"word":"earlier","start":221.015,"end":221.33499,"confidence":0.9983759,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":-0.03726699203252792},{"word":"no","start":221.495,"end":221.655,"confidence":0.9733973,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.044098466634750366},{"word":"no","start":221.655,"end":221.895,"confidence":0.976549,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.030147096142172813},{"word":"we","start":221.895,"end":222.055,"confidence":0.99674475,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07002419978380203},{"word":"wanna","start":222.055,"end":222.375,"confidence":0.85270774,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.06415208429098129},{"word":"see","start":222.375,"end":222.61499,"confidence":0.5141359,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.052102696150541306},{"word":"we","start":222.61499,"end":222.775,"confidence":0.79556775,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0743936151266098},{"word":"wanna","start":222.775,"end":223.015,"confidence":0.97310567,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09408007562160492},{"word":"access","start":223.015,"end":223.33499,"confidence":0.99635184,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.08786837756633759},{"word":"the","start":223.33499,"end":223.495,"confidence":0.91253155,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11912812292575836},{"word":"super","start":223.495,"end":223.735,"confidence":0.68951994,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.1344212144613266},{"word":"at","start":223.735,"end":223.895,"confidence":0.42783192,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07589323818683624},{"word":"60","start":223.895,"end":224.395,"confidence":0.985052,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.09153717756271362},{"word":"yeah","start":224.455,"end":224.88,"confidence":0.9861659,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07451928406953812},{"word":"yeah","start":225.44,"end":225.76001,"confidence":0.9988649,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08039148151874542},{"word":"we'll","start":225.76001,"end":226.0,"confidence":0.86404264,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.1727876514196396},{"word":"still","start":226.0,"end":226.24,"confidence":0.99274784,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.13770729303359985},{"word":"still","start":226.24,"end":226.56,"confidence":0.9040283,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1679937243461609},{"word":"keep","start":226.56,"end":226.64,"confidence":0.999446,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.22944161295890808},{"word":"working","start":226.64,"end":226.96,"confidence":0.95812386,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.2477782666683197},{"word":"till","start":226.96,"end":227.12001,"confidence":0.9228872,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.24598844349384308},{"word":"then","start":227.12001,"end":227.28,"confidence":0.94899774,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.20191822946071625},{"word":"yeah","start":227.28,"end":227.76001,"confidence":0.77283806,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1438596546649933},{"word":"yep","start":227.76001,"end":228.26001,"confidence":0.83009315,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11992724984884262},{"word":"yeah","start":250.7,"end":250.94,"confidence":0.7728825,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00018017645925283432},{"word":"is","start":250.94,"end":251.18001,"confidence":0.98882,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.014292242005467417},{"word":"that","start":251.18001,"end":251.5,"confidence":0.8907498,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.04396696761250496},{"word":"like","start":251.5,"end":251.66,"confidence":0.9971509,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.06692524999380112},{"word":"high","start":251.66,"end":251.90001,"confidence":0.7107836,"punctuated_word":"high,","sentiment":"neutral","sentiment_score":-0.07192668318748474},{"word":"or","start":251.90001,"end":252.14,"confidence":0.99977976,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0977250337600708},{"word":"is","start":252.14,"end":252.22,"confidence":0.999257,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09469810128211976},{"word":"that","start":252.22,"end":252.38,"confidence":0.9992255,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07578839361667633},{"word":"no","start":252.46,"end":252.62001,"confidence":0.8992605,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2902272641658783},{"word":"that's","start":252.62001,"end":252.94,"confidence":0.899649,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.32733866572380066},{"word":"that's","start":252.94,"end":253.34,"confidence":0.9956578,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.31321677565574646},{"word":"that's","start":253.34,"end":253.58,"confidence":0.57527125,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.23051290214061737},{"word":"why","start":253.58,"end":254.08,"confidence":0.7808222,"punctuated_word":"why.","sentiment":"neutral","sentiment_score":-0.16844676434993744},{"word":"well","start":254.22,"end":254.38,"confidence":0.7395513,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.017864104360342026},{"word":"at","start":254.38,"end":254.46,"confidence":0.9666477,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.017232805490493774},{"word":"the","start":254.46,"end":254.62001,"confidence":0.99964464,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009898517280817032},{"word":"moment","start":254.62001,"end":254.94,"confidence":0.9701829,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.00953604094684124},{"word":"we","start":254.94,"end":255.18001,"confidence":0.99985015,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.007352815940976143},{"word":"have","start":255.18001,"end":255.5,"confidence":0.9893316,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.007016029208898544},{"word":"a","start":255.5,"end":255.66,"confidence":0.93362814,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010254942812025549},{"word":"we","start":255.66,"end":255.90001,"confidence":0.9859153,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.015059197321534157},{"word":"have","start":255.90001,"end":256.06,"confidence":0.99982846,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0005966890603303909},{"word":"a","start":256.06,"end":256.14,"confidence":0.99957424,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0010229460895061493},{"word":"general","start":256.14,"end":256.62,"confidence":0.9996376,"punctuated_word":"general","sentiment":"neutral","sentiment_score":-0.005655091255903244},{"word":"expenditure","start":256.62,"end":257.1,"confidence":0.9996772,"punctuated_word":"expenditure","sentiment":"neutral","sentiment_score":0.01846443861722946},{"word":"at","start":257.1,"end":257.26,"confidence":0.99858236,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.009894272312521936},{"word":"the","start":257.26,"end":257.34,"confidence":0.9998877,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006625335663557053},{"word":"moment","start":257.34,"end":257.84,"confidence":0.99998176,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.02604936808347702},{"word":"of","start":257.9,"end":258.14,"confidence":0.99962854,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.008025187999010086},{"word":"around","start":258.14,"end":258.54,"confidence":0.9948137,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.008429054170846939},{"word":"about","start":258.54,"end":259.04,"confidence":0.99221367,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.003906311467289925},{"word":"what","start":259.74,"end":259.98,"confidence":0.99819523,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0039054863154888153},{"word":"is","start":259.98,"end":260.14,"confidence":0.991932,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0024423841387033463},{"word":"it","start":260.14,"end":260.38,"confidence":0.78960073,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.009821508079767227},{"word":"hang","start":260.38,"end":260.62,"confidence":0.99721104,"punctuated_word":"Hang","sentiment":"neutral","sentiment_score":-0.02236622199416161},{"word":"on","start":260.62,"end":260.7,"confidence":0.99781966,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.012434924021363258},{"word":"a","start":260.7,"end":260.86002,"confidence":0.9948408,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.013420539908111095},{"word":"minute","start":260.86002,"end":261.36002,"confidence":0.9964088,"punctuated_word":"minute.","sentiment":"neutral","sentiment_score":-0.013163804076611996},{"word":"general","start":262.46,"end":262.78,"confidence":0.90056473,"punctuated_word":"General","sentiment":"neutral","sentiment_score":-0.016823306679725647},{"word":"4.5","start":262.86002,"end":263.42,"confidence":0.93188155,"punctuated_word":"4.5","sentiment":"neutral","sentiment_score":-0.009537391364574432},{"word":"$4,700","start":263.66,"end":265.02,"confidence":0.99908566,"punctuated_word":"$4,700","sentiment":"neutral","sentiment_score":-0.006780589930713177},{"word":"a","start":265.02,"end":265.18,"confidence":0.99928635,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.017988000065088272},{"word":"month","start":265.18,"end":265.635,"confidence":0.9891196,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.01644308492541313},{"word":"k","start":294.805,"end":295.305,"confidence":0.76765895,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":-0.06780143082141876},{"word":"yeah","start":315.12,"end":315.44,"confidence":0.9978257,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03045494109392166},{"word":"everything's","start":315.44,"end":315.92,"confidence":0.9880057,"punctuated_word":"Everything's","sentiment":"neutral","sentiment_score":-0.03150425851345062},{"word":"going","start":315.92,"end":316.16,"confidence":0.8096856,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.013387706130743028},{"word":"up","start":316.16,"end":316.48,"confidence":0.9832464,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.02403625100851059},{"word":"okay","start":316.48,"end":316.98,"confidence":0.90043133,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.02026139572262764},{"word":"i","start":317.04,"end":317.12,"confidence":0.99530506,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03232616186141968},{"word":"think","start":317.12,"end":317.28,"confidence":0.99620134,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.031503863632678986},{"word":"it","start":317.28,"end":317.44,"confidence":0.9987129,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03767083212733269},{"word":"was","start":317.44,"end":317.6,"confidence":0.99897623,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04321646690368652},{"word":"supposed","start":317.6,"end":317.84,"confidence":0.9839723,"punctuated_word":"supposed","sentiment":"neutral","sentiment_score":-0.02960040792822838},{"word":"to","start":317.84,"end":317.92,"confidence":0.99908257,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.030209163203835487},{"word":"be","start":317.92,"end":318.16,"confidence":0.99922717,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.035305220633745193},{"word":"$66,000","start":318.16,"end":319.12,"confidence":0.9972013,"punctuated_word":"$66,000","sentiment":"neutral","sentiment_score":-0.007355760782957077},{"word":"each","start":319.12,"end":319.52002,"confidence":0.77891654,"punctuated_word":"each,","sentiment":"neutral","sentiment_score":-0.033832795917987823},{"word":"maybe","start":319.52002,"end":320.02002,"confidence":0.9958669,"punctuated_word":"maybe.","sentiment":"neutral","sentiment_score":-0.034102585166692734},{"word":"that","start":321.52002,"end":321.76,"confidence":0.98262167,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.035078734159469604},{"word":"would","start":321.76,"end":321.92,"confidence":0.9121307,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.034473612904548645},{"word":"be","start":321.92,"end":322.16,"confidence":0.9994411,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2281699031591415},{"word":"too","start":322.16,"end":322.32,"confidence":0.98829144,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.22608515620231628},{"word":"hard","start":322.32,"end":322.82,"confidence":0.80161476,"punctuated_word":"hard.","sentiment":"neutral","sentiment_score":-0.26810508966445923},{"word":"yeah","start":332.255,"end":332.755,"confidence":0.86831975,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.026990920305252075},{"word":"well","start":339.61,"end":340.11,"confidence":0.90609425,"punctuated_word":"Well","sentiment":"neutral","sentiment_score":0.0757056251168251},{"word":"well","start":340.72998,"end":341.05,"confidence":0.7978759,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.05278034508228302},{"word":"maybe","start":341.05,"end":341.53,"confidence":0.997846,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.09333807229995728},{"word":"maybe","start":341.53,"end":341.77,"confidence":0.9928583,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.1170976385474205},{"word":"we'll","start":341.77,"end":342.00998,"confidence":0.99698037,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.0909484326839447},{"word":"bump","start":342.00998,"end":342.40997,"confidence":0.9987903,"punctuated_word":"bump","sentiment":"neutral","sentiment_score":0.14413654804229736},{"word":"up","start":342.40997,"end":342.88998,"confidence":0.7794435,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.12687250971794128},{"word":"maybe","start":342.88998,"end":343.12997,"confidence":0.99701333,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.15712662041187286},{"word":"we'll","start":343.12997,"end":343.28998,"confidence":0.99650574,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.12416672706604004},{"word":"meet","start":343.28998,"end":343.53,"confidence":0.6003869,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.13579751551151276},{"word":"halfway","start":343.53,"end":344.03,"confidence":0.99437284,"punctuated_word":"halfway","sentiment":"neutral","sentiment_score":0.19311286509037015},{"word":"and","start":344.16998,"end":344.66998,"confidence":0.98671174,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15201814472675323},{"word":"do","start":345.05,"end":345.28998,"confidence":0.98564285,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15294896066188812},{"word":"4,000","start":345.28998,"end":345.84998,"confidence":0.99916184,"punctuated_word":"4,000","sentiment":"neutral","sentiment_score":0.1487507522106171},{"word":"each","start":345.84998,"end":346.16998,"confidence":0.98564523,"punctuated_word":"each.","sentiment":"neutral","sentiment_score":0.1274680644273758},{"word":"does","start":346.16998,"end":346.33,"confidence":0.9960367,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.09861087799072266},{"word":"that","start":346.33,"end":346.49,"confidence":0.99977297,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1807769238948822},{"word":"sound","start":346.49,"end":346.72998,"confidence":0.99865687,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.13914699852466583},{"word":"reasonable","start":346.72998,"end":347.21,"confidence":0.9984611,"punctuated_word":"reasonable","sentiment":"neutral","sentiment_score":0.13333773612976074},{"word":"then","start":347.21,"end":347.37,"confidence":0.6958242,"punctuated_word":"then?","sentiment":"neutral","sentiment_score":0.1381007730960846},{"word":"that's","start":347.37,"end":347.69,"confidence":0.77592397,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14606143534183502},{"word":"that's","start":347.69,"end":348.19,"confidence":0.8644556,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2218509167432785},{"word":"yep","start":348.40997,"end":348.72998,"confidence":0.7953504,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.16003404557704926},{"word":"8,000","start":348.72998,"end":349.28998,"confidence":0.8281472,"punctuated_word":"8,000","sentiment":"neutral","sentiment_score":0.04320624843239784},{"word":"a","start":349.28998,"end":349.44998,"confidence":0.9715881,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04703390225768089},{"word":"month","start":349.44998,"end":349.845,"confidence":0.7441014,"punctuated_word":"month?","sentiment":"neutral","sentiment_score":0.12783648073673248},{"word":"that's","start":355.845,"end":356.165,"confidence":0.9986135,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12685632705688477},{"word":"90","start":356.165,"end":356.325,"confidence":0.6087027,"punctuated_word":"90","sentiment":"neutral","sentiment_score":0.11838552355766296},{"word":"that's","start":356.48502,"end":356.725,"confidence":0.9580724,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.15881356596946716},{"word":"96,000","start":356.725,"end":357.605,"confidence":0.9966831,"punctuated_word":"96,000","sentiment":"neutral","sentiment_score":0.17436933517456055},{"word":"a","start":357.605,"end":357.685,"confidence":0.99926764,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2135208249092102},{"word":"year","start":357.685,"end":357.845,"confidence":0.98159623,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.2034648954868317},{"word":"that's","start":357.845,"end":358.085,"confidence":0.9968771,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3474240303039551},{"word":"not","start":358.085,"end":358.325,"confidence":0.9998394,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.3106713593006134},{"word":"too","start":358.325,"end":358.485,"confidence":0.9984382,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.31142085790634155},{"word":"bad","start":358.485,"end":358.965,"confidence":0.8944081,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":0.30505645275115967},{"word":"because","start":358.965,"end":359.445,"confidence":0.9600043,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.1820708215236664},{"word":"none","start":359.445,"end":359.605,"confidence":0.36279505,"punctuated_word":"none","sentiment":"neutral","sentiment_score":0.051143065094947815},{"word":"of","start":359.605,"end":359.765,"confidence":0.98748314,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04643546789884567},{"word":"that","start":359.765,"end":359.925,"confidence":0.99817646,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07609979808330536},{"word":"will","start":359.925,"end":360.085,"confidence":0.7068893,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.04203232005238533},{"word":"be","start":360.085,"end":360.245,"confidence":0.99576074,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06574034690856934},{"word":"taxed","start":360.245,"end":360.485,"confidence":0.7867267,"punctuated_word":"taxed,","sentiment":"neutral","sentiment_score":0.09872256219387054},{"word":"will","start":360.485,"end":360.725,"confidence":0.99561834,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09024640917778017},{"word":"it","start":360.725,"end":360.885,"confidence":0.9973891,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.09392750263214111},{"word":"that's","start":360.885,"end":361.125,"confidence":0.99844426,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1417936384677887},{"word":"just","start":361.125,"end":361.445,"confidence":0.9973348,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10195548087358476},{"word":"straight","start":361.445,"end":361.945,"confidence":0.9574691,"punctuated_word":"straight.","sentiment":"neutral","sentiment_score":0.1567788124084473},{"word":"yeah","start":362.91,"end":363.41,"confidence":0.8503839,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18610244989395144},{"word":"yep","start":374.27,"end":374.77,"confidence":0.9399815,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4349164962768554},{"word":"yep","start":378.03,"end":378.43,"confidence":0.79435027,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.29315102100372314},{"word":"k","start":378.43,"end":378.67,"confidence":0.9166337,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.2141203135251999},{"word":"so","start":378.67,"end":378.885,"confidence":0.9967841,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.27710235118865967},{"word":"it's","start":379.045,"end":379.125,"confidence":0.8046394,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.27643489837646484},{"word":"just","start":379.125,"end":379.285,"confidence":0.98426026,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22734689712524417},{"word":"figuring","start":379.285,"end":379.685,"confidence":0.9995189,"punctuated_word":"figuring","sentiment":"neutral","sentiment_score":0.28835242986679077},{"word":"out","start":379.685,"end":379.765,"confidence":0.99926466,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.31386178731918335},{"word":"if","start":379.765,"end":379.845,"confidence":0.99894327,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3257576823234558},{"word":"we","start":379.845,"end":380.005,"confidence":0.9998746,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.33482465147972107},{"word":"can","start":380.005,"end":380.505,"confidence":0.99975663,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3167549967765808},{"word":"achieve","start":380.80502,"end":381.125,"confidence":0.9997646,"punctuated_word":"achieve","sentiment":"positive","sentiment_score":0.33592838048934937},{"word":"that","start":381.125,"end":381.445,"confidence":0.99909425,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.42986243963241577},{"word":"and","start":381.445,"end":381.605,"confidence":0.98050916,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35793787240982056},{"word":"still","start":381.605,"end":381.92502,"confidence":0.9997906,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.372324675321579},{"word":"have","start":381.92502,"end":382.08502,"confidence":0.9998211,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4586173892021179},{"word":"that","start":382.08502,"end":382.58502,"confidence":0.9997435,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.422200471162796},{"word":"if","start":383.045,"end":383.545,"confidence":0.9441014,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2321779727935791},{"word":"i","start":383.685,"end":383.92502,"confidence":0.99875045,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0406646765768528},{"word":"drop","start":383.92502,"end":384.165,"confidence":0.8709715,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.03448048606514931},{"word":"back","start":384.165,"end":384.64502,"confidence":0.99933076,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.024754870682954788},{"word":"hours","start":384.64502,"end":385.14502,"confidence":0.87141114,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.020601578056812286},{"word":"as","start":385.765,"end":385.92502,"confidence":0.99894017,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07550235837697983},{"word":"well","start":385.92502,"end":386.42502,"confidence":0.96100116,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.06497848033905029},{"word":"yeah","start":388.245,"end":388.745,"confidence":0.9862069,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10318632423877716},{"word":"both","start":396.66,"end":396.97998,"confidence":0.4041812,"punctuated_word":"Both","sentiment":"neutral","sentiment_score":0.035258710384368896},{"word":"of","start":396.97998,"end":397.13998,"confidence":0.99305385,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0478086918592453},{"word":"us","start":397.13998,"end":397.38,"confidence":0.9957118,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.0481504462659359},{"word":"joined","start":397.38,"end":397.88,"confidence":0.93029094,"punctuated_word":"joined?","sentiment":"neutral","sentiment_score":0.04496308788657189},{"word":"at","start":404.45502,"end":404.695,"confidence":0.97980773,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.013549644500017166},{"word":"the","start":404.695,"end":404.77502,"confidence":0.99813026,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016288962215185165},{"word":"moment","start":404.77502,"end":405.27502,"confidence":0.9949628,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.019933251664042473},{"word":"our","start":405.415,"end":405.655,"confidence":0.9946721,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.023317918181419373},{"word":"general","start":405.655,"end":406.05502,"confidence":0.9977912,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.04777549207210541},{"word":"expenditure","start":406.05502,"end":406.55502,"confidence":0.9264175,"punctuated_word":"expenditure,","sentiment":"neutral","sentiment_score":0.04783741384744644},{"word":"but","start":407.73502,"end":407.975,"confidence":0.46852583,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03586095944046974},{"word":"that","start":407.975,"end":408.21503,"confidence":0.99868816,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.047616612166166306},{"word":"includes","start":408.21503,"end":408.695,"confidence":0.90015084,"punctuated_word":"includes,","sentiment":"neutral","sentiment_score":0.0570799820125103},{"word":"like","start":408.695,"end":409.015,"confidence":0.9911901,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05453655123710632},{"word":"food","start":409.015,"end":409.33502,"confidence":0.9862732,"punctuated_word":"food,","sentiment":"neutral","sentiment_score":0.04909317567944527},{"word":"private","start":409.33502,"end":409.655,"confidence":0.9990113,"punctuated_word":"private","sentiment":"neutral","sentiment_score":0.04158985614776611},{"word":"health","start":409.655,"end":410.05502,"confidence":0.7415399,"punctuated_word":"health,","sentiment":"neutral","sentiment_score":0.046352267265319824},{"word":"unions","start":410.05502,"end":410.55502,"confidence":0.92455256,"punctuated_word":"unions,","sentiment":"neutral","sentiment_score":0.052239179611206055},{"word":"services","start":410.61502,"end":411.11502,"confidence":0.972409,"punctuated_word":"services,","sentiment":"neutral","sentiment_score":0.04276077821850777},{"word":"rates","start":411.17502,"end":411.49503,"confidence":0.9215806,"punctuated_word":"rates,","sentiment":"neutral","sentiment_score":0.05852761119604111},{"word":"water","start":411.49503,"end":411.975,"confidence":0.96025574,"punctuated_word":"water,","sentiment":"neutral","sentiment_score":0.05046738684177399},{"word":"insurances","start":411.975,"end":412.475,"confidence":0.97416526,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.045621357858181},{"word":"and","start":412.535,"end":412.77502,"confidence":0.99956447,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05583932250738144},{"word":"all","start":412.77502,"end":412.935,"confidence":0.99606043,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05680079385638237},{"word":"our","start":412.935,"end":413.095,"confidence":0.9668509,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.060492221266031265},{"word":"vehicle","start":413.095,"end":413.595,"confidence":0.95377,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.045452117919921875},{"word":"transports","start":413.655,"end":414.155,"confidence":0.9202948,"punctuated_word":"transports","sentiment":"neutral","sentiment_score":0.03333524987101555},{"word":"and","start":414.21503,"end":414.375,"confidence":0.9069129,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.015873294323682785},{"word":"stuff","start":414.375,"end":414.875,"confidence":0.55445445,"punctuated_word":"stuff,","sentiment":"neutral","sentiment_score":0.0042654117569327354},{"word":"is","start":415.17502,"end":415.415,"confidence":0.9932868,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.013256475329399107},{"word":"around","start":415.415,"end":415.73502,"confidence":0.9991242,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.020926333963871},{"word":"about","start":415.73502,"end":415.975,"confidence":0.9974043,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.007572302594780922},{"word":"4,700","start":415.975,"end":417.015,"confidence":0.99874175,"punctuated_word":"4,700","sentiment":"neutral","sentiment_score":0.0175218116492033},{"word":"a","start":417.015,"end":417.095,"confidence":0.976249,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.013401866890490057},{"word":"month","start":417.095,"end":417.45,"confidence":0.902863,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.0114862946793437},{"word":"but","start":420.49002,"end":420.81,"confidence":0.9886663,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03697939217090607},{"word":"keeping","start":420.81,"end":421.13,"confidence":0.9925074,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":-0.2307007908821106},{"word":"in","start":421.13,"end":421.29,"confidence":0.9996158,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.20912808179855347},{"word":"mind","start":421.29,"end":421.77002,"confidence":0.91442716,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":-0.14730064570903778},{"word":"a","start":421.77002,"end":421.93002,"confidence":0.9996687,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3677309155464173},{"word":"lot","start":421.93002,"end":422.17,"confidence":0.9999294,"punctuated_word":"lot","sentiment":"negative","sentiment_score":-0.3830071091651917},{"word":"of","start":422.17,"end":422.25,"confidence":0.9999198,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.39891690015792847},{"word":"those","start":422.25,"end":422.57,"confidence":0.9998259,"punctuated_word":"those","sentiment":"negative","sentiment_score":-0.3436242341995239},{"word":"will","start":422.57,"end":422.65002,"confidence":0.9966839,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.38145536184310913},{"word":"be","start":422.65002,"end":422.81,"confidence":0.9995628,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3848588466644287},{"word":"gone","start":422.81,"end":423.13,"confidence":0.9996804,"punctuated_word":"gone","sentiment":"negative","sentiment_score":-0.4161206781864166},{"word":"because","start":423.13,"end":423.45,"confidence":0.87066364,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2035531550645828},{"word":"we","start":423.45,"end":423.53,"confidence":0.9911642,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.23720711469650269},{"word":"won't","start":423.53,"end":423.77002,"confidence":0.9992144,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.26075175404548645},{"word":"have","start":423.77002,"end":424.01,"confidence":0.998478,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2956680655479431},{"word":"motorbikes","start":424.01,"end":424.51,"confidence":0.9182139,"punctuated_word":"motorbikes.","sentiment":"neutral","sentiment_score":-0.22210252285003665},{"word":"two","start":424.89,"end":425.13,"confidence":0.8943959,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":-0.13249889016151428},{"word":"unions","start":425.13,"end":425.63,"confidence":0.69464695,"punctuated_word":"unions.","sentiment":"neutral","sentiment_score":-0.14690540730953217},{"word":"and","start":425.69,"end":426.19,"confidence":0.948065,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0757351666688919},{"word":"and","start":426.65002,"end":426.73,"confidence":0.5144657,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0878332257270813},{"word":"all","start":426.73,"end":427.05002,"confidence":0.88379943,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.06587250530719757},{"word":"of","start":427.05002,"end":427.13,"confidence":0.77406496,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07974961400032043},{"word":"those","start":427.13,"end":427.37003,"confidence":0.99145496,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.06044404208660126},{"word":"things","start":427.37003,"end":427.87003,"confidence":0.8602193,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.06543778628110886},{"word":"like","start":427.93002,"end":428.43002,"confidence":0.96162045,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03960429131984711},{"word":"then","start":428.73,"end":429.21002,"confidence":0.98507106,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.03829030320048332},{"word":"when","start":429.21002,"end":429.45,"confidence":0.7709323,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.09922462701797484},{"word":"we","start":429.45,"end":429.61002,"confidence":0.99769115,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08324577659368515},{"word":"retire","start":429.61002,"end":430.11002,"confidence":0.9960953,"punctuated_word":"retire.","sentiment":"neutral","sentiment_score":-0.0628090426325798},{"word":"yeah","start":438.105,"end":438.605,"confidence":0.88247263,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014881299808621408},{"word":"yeah","start":439.625,"end":440.125,"confidence":0.6851336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01750912517309189},{"word":"yeah","start":448.94,"end":449.44,"confidence":0.91898954,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.026605146005749702},{"word":"probably","start":455.18,"end":455.5,"confidence":0.2546545,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":0.06757073849439621},{"word":"fine","start":455.5,"end":456.0,"confidence":0.8029114,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.0811581015586853},{"word":"yeah","start":458.22,"end":458.72,"confidence":0.76996166,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.043079547584056854},{"word":"yep","start":461.595,"end":462.095,"confidence":0.977586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.012092034332454205},{"word":"so","start":467.03497,"end":467.19498,"confidence":0.886606,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0005260449834167957},{"word":"you","start":467.19498,"end":467.35498,"confidence":0.9979944,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0007199598476290703},{"word":"want","start":467.35498,"end":467.835,"confidence":0.9983997,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0024627577513456345},{"word":"annual","start":467.835,"end":468.315,"confidence":0.8960001,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.006530546583235264},{"word":"gross","start":468.315,"end":468.555,"confidence":0.7245493,"punctuated_word":"gross,","sentiment":"neutral","sentiment_score":0.0009761855471879244},{"word":"or","start":468.555,"end":468.715,"confidence":0.9991411,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0008986955508589745},{"word":"do","start":468.715,"end":468.875,"confidence":0.9983789,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0011733057908713818},{"word":"you","start":468.875,"end":468.955,"confidence":0.9994899,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005272154696285725},{"word":"want","start":468.955,"end":469.455,"confidence":0.9988129,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0025488510727882385},{"word":"take","start":469.835,"end":470.07498,"confidence":0.95955527,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.005275133065879345},{"word":"home","start":470.07498,"end":470.57498,"confidence":0.99567384,"punctuated_word":"home?","sentiment":"neutral","sentiment_score":0.0073386128060519695},{"word":"so","start":472.79498,"end":473.03497,"confidence":0.7849727,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.006270366720855236},{"word":"my","start":473.03497,"end":473.275,"confidence":0.997138,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.01824565976858139},{"word":"annual","start":473.275,"end":473.75497,"confidence":0.9997818,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.02000501938164234},{"word":"gross","start":473.75497,"end":474.25497,"confidence":0.9993205,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.014873170293867588},{"word":"my","start":475.5,"end":475.65997,"confidence":0.9421915,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.02498994767665863},{"word":"annual","start":475.65997,"end":476.06,"confidence":0.9741643,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.027539534494280815},{"word":"gross","start":476.06,"end":476.3,"confidence":0.9832593,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.021161291748285297},{"word":"is","start":476.3,"end":476.46,"confidence":0.99688476,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02162834256887436},{"word":"a","start":476.46,"end":476.62,"confidence":0.9958544,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02938521653413773},{"word":"$195.07","start":476.62,"end":479.81998,"confidence":0.94543904,"punctuated_word":"$195.07","sentiment":"neutral","sentiment_score":0.03209799528121948},{"word":"6","start":479.81998,"end":480.31998,"confidence":0.99842024,"punctuated_word":"6","sentiment":"neutral","sentiment_score":0.01373433880507946},{"word":"a","start":480.53998,"end":480.69998,"confidence":0.99361503,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01748437061905861},{"word":"year","start":480.69998,"end":481.19998,"confidence":0.7611145,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.0185135081410408},{"word":"and","start":483.18,"end":483.41998,"confidence":0.9983895,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18547269701957703},{"word":"my","start":483.41998,"end":483.74,"confidence":0.9985323,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.14516936242580414},{"word":"take","start":483.74,"end":483.97998,"confidence":0.98159814,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.06958182901144028},{"word":"home","start":483.97998,"end":484.3,"confidence":0.958277,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":0.039143458008766174},{"word":"which","start":484.3,"end":484.46,"confidence":0.9962529,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.061192139983177185},{"word":"i","start":484.46,"end":484.62,"confidence":0.987628,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.060062162578105927},{"word":"only","start":484.62,"end":484.78,"confidence":0.98996824,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.05083457753062248},{"word":"have","start":484.78,"end":485.02,"confidence":0.9859935,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04316927120089531},{"word":"in","start":485.02,"end":485.34,"confidence":0.8622168,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06625741720199585},{"word":"monthly","start":485.34,"end":485.81998,"confidence":0.9223857,"punctuated_word":"monthly,","sentiment":"neutral","sentiment_score":0.07981608808040619},{"word":"is","start":485.81998,"end":486.22,"confidence":0.9993761,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09583354741334917},{"word":"$5.01","start":486.22,"end":486.78,"confidence":0.99952596,"punctuated_word":"$5.01","sentiment":"neutral","sentiment_score":0.0719040036201477},{"word":"$4.08","start":486.78,"end":487.41998,"confidence":0.9995305,"punctuated_word":"$4.08","sentiment":"neutral","sentiment_score":0.058944519609212875},{"word":"and","start":487.41998,"end":487.65997,"confidence":0.9991061,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0525602325797081},{"word":"60¢","start":487.65997,"end":488.475,"confidence":0.99854505,"punctuated_word":"60¢"},{"word":"a","start":488.635,"end":488.875,"confidence":0.9997378,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05624901503324509},{"word":"month","start":488.875,"end":489.375,"confidence":0.9322458,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.05644017457962036},{"word":"and","start":494.475,"end":494.635,"confidence":0.9949822,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3545776307582855},{"word":"that's","start":494.635,"end":495.035,"confidence":0.999477,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.32817143201828003},{"word":"working","start":495.035,"end":495.535,"confidence":0.98087525,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":0.30542677640914917},{"word":"you","start":495.595,"end":495.755,"confidence":0.9987348,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29696038365364075},{"word":"know","start":495.755,"end":495.995,"confidence":0.9982619,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.3126949667930603},{"word":"full","start":495.995,"end":496.155,"confidence":0.92545944,"punctuated_word":"full","sentiment":"positive","sentiment_score":0.342340886592865},{"word":"time","start":496.155,"end":496.315,"confidence":0.47317344,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3337050974369049},{"word":"well","start":496.475,"end":496.635,"confidence":0.9329945,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2804104685783386},{"word":"four","start":496.635,"end":496.95502,"confidence":0.9866251,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.22135493159294128},{"word":"days","start":496.95502,"end":497.355,"confidence":0.9925016,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.25906094908714294},{"word":"of","start":497.355,"end":497.435,"confidence":0.66777027,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19987741112709043},{"word":"four","start":497.435,"end":497.595,"confidence":0.79893917,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.23046305775642395},{"word":"days","start":497.595,"end":497.915,"confidence":0.99793786,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.25582748651504517},{"word":"of","start":497.915,"end":498.415,"confidence":0.9505536,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2696763277053833},{"word":"well","start":498.715,"end":499.035,"confidence":0.7727348,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.23535607755184176},{"word":"full","start":499.035,"end":499.275,"confidence":0.83105105,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.28363651037216187},{"word":"full","start":499.275,"end":499.515,"confidence":0.5125509,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.32204821705818176},{"word":"time","start":499.515,"end":499.755,"confidence":0.8499392,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.22908829152584076},{"word":"yeah","start":499.755,"end":500.075,"confidence":0.94306463,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14630049467086792},{"word":"full","start":500.075,"end":500.315,"confidence":0.83708185,"punctuated_word":"Full","sentiment":"neutral","sentiment_score":0.156283900141716},{"word":"time","start":500.315,"end":500.475,"confidence":0.962873,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1344008892774582},{"word":"out","start":500.475,"end":500.76,"confidence":0.8312707,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.15408656001091003},{"word":"i","start":508.68002,"end":508.92,"confidence":0.9275828,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02924385666847229},{"word":"assume","start":508.92,"end":509.32,"confidence":0.9344934,"punctuated_word":"assume","sentiment":"neutral","sentiment_score":-0.0271708145737648},{"word":"so","start":509.32,"end":509.40002,"confidence":0.4653707,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.030912019312381744},{"word":"anyway","start":509.40002,"end":509.64,"confidence":0.6789174,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.05000258982181549},{"word":"a","start":509.80002,"end":509.88,"confidence":0.47329202,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.07998758554458618},{"word":"bit","start":509.88,"end":509.96002,"confidence":0.6049959,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07886449992656708},{"word":"of","start":509.96002,"end":510.12,"confidence":0.9911691,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0815868228673935},{"word":"a","start":510.12,"end":510.2,"confidence":0.7332182,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08016848564147949},{"word":"tech","start":510.2,"end":510.28,"confidence":0.38906318,"punctuated_word":"tech.","sentiment":"neutral","sentiment_score":-0.07121461629867554},{"word":"probably","start":510.36002,"end":510.68002,"confidence":0.5119347,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.08050133287906647},{"word":"be","start":510.68002,"end":510.76,"confidence":0.9610267,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06983084231615067},{"word":"a","start":510.76,"end":510.92,"confidence":0.69910604,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07407809793949127},{"word":"little","start":510.92,"end":510.96002,"confidence":0.41778326,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.07762971520423889},{"word":"bit","start":510.96002,"end":511.0,"confidence":0.83727163,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07034476846456528},{"word":"that's","start":511.12,"end":511.16,"confidence":0.5078983,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.06891623884439468},{"word":"a","start":511.16,"end":511.66,"confidence":0.5645935,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06069006770849228},{"word":"bit","start":511.80002,"end":512.04004,"confidence":0.9793926,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04742908477783203},{"word":"more","start":512.04004,"end":512.54004,"confidence":0.91055673,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.004246936179697514},{"word":"yeah","start":513.495,"end":513.995,"confidence":0.98103786,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03216036036610603},{"word":"okay","start":522.215,"end":522.615,"confidence":0.7003048,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.004633835516870022},{"word":"hang","start":522.615,"end":522.935,"confidence":0.9226952,"punctuated_word":"Hang","sentiment":"neutral","sentiment_score":-0.005330225452780724},{"word":"on","start":522.935,"end":523.255,"confidence":0.9935768,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.008272012695670128},{"word":"one","start":523.255,"end":523.655,"confidence":0.9713111,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.007527977228164673},{"word":"sec","start":523.655,"end":524.155,"confidence":0.9121728,"punctuated_word":"sec.","sentiment":"neutral","sentiment_score":-0.005356892943382263},{"word":"it's","start":525.5,"end":525.66,"confidence":0.78232443,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.003734252182766795},{"word":"on","start":525.66,"end":525.82,"confidence":0.8839863,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.005376012995839119},{"word":"oh","start":526.22,"end":526.38,"confidence":0.9038282,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.018713532015681267},{"word":"wrong","start":526.38,"end":526.7,"confidence":0.35549164,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.025416061282157894},{"word":"phone","start":526.7,"end":527.2,"confidence":0.6908936,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":-0.020557045936584473},{"word":"i","start":527.26,"end":527.57996,"confidence":0.47515237,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0265512578189373},{"word":"think","start":527.57996,"end":527.74,"confidence":0.22173278,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.03446668013930321},{"word":"i've","start":527.74,"end":527.98,"confidence":0.6042461,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.018844302743673325},{"word":"got","start":527.98,"end":528.22,"confidence":0.81676245,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.03040381893515587},{"word":"space","start":528.22,"end":528.54,"confidence":0.11792444,"punctuated_word":"space,","sentiment":"neutral","sentiment_score":-0.005116846412420273},{"word":"and","start":528.54,"end":528.77997,"confidence":0.49817088,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0011601001024246216},{"word":"that","start":528.77997,"end":528.94,"confidence":0.65846103,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0017134547233581543},{"word":"was","start":528.94,"end":529.18,"confidence":0.98128223,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.00095222145318985},{"word":"mine","start":529.18,"end":529.68,"confidence":0.9958362,"punctuated_word":"mine.","sentiment":"neutral","sentiment_score":0.0228744950145483},{"word":"just","start":530.3,"end":530.62,"confidence":0.32904145,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.028962545096874237},{"word":"get","start":530.62,"end":530.77997,"confidence":0.64934134,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.051435165107250214},{"word":"my","start":530.77997,"end":530.94,"confidence":0.99853635,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.04350700601935387},{"word":"payslip","start":530.94,"end":531.26,"confidence":0.756109,"punctuated_word":"payslip.","sentiment":"neutral","sentiment_score":0.0660206750035286},{"word":"that'll","start":531.26,"end":531.5,"confidence":0.97867954,"punctuated_word":"That'll","sentiment":"neutral","sentiment_score":0.10854169726371764},{"word":"be","start":531.5,"end":531.66,"confidence":0.99640733,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08075656741857529},{"word":"easier","start":531.66,"end":532.06,"confidence":0.8725451,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.08065858483314514},{"word":"to","start":532.06,"end":532.13995,"confidence":0.9974412,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05796632543206215},{"word":"look","start":532.13995,"end":532.38,"confidence":0.99891007,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03388504683971405},{"word":"at","start":532.38,"end":532.88,"confidence":0.99309254,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":0.018043141812086105},{"word":"because","start":534.54,"end":534.77997,"confidence":0.97583437,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.03185729682445526},{"word":"i","start":534.77997,"end":534.86,"confidence":0.99434483,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04463709518313408},{"word":"think","start":534.86,"end":535.26,"confidence":0.99961144,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04523479193449021},{"word":"i've","start":535.26,"end":535.57996,"confidence":0.97365314,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.04624146968126297},{"word":"i've","start":535.57996,"end":535.82,"confidence":0.98645276,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.05778472125530243},{"word":"with","start":535.98,"end":536.13995,"confidence":0.99711394,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07504858076572418},{"word":"me","start":536.13995,"end":536.38,"confidence":0.98529196,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.05086016282439232},{"word":"dropping","start":536.38,"end":536.7,"confidence":0.9966922,"punctuated_word":"dropping","sentiment":"neutral","sentiment_score":-0.08761020004749298},{"word":"wages","start":536.7,"end":537.18,"confidence":0.9941261,"punctuated_word":"wages,","sentiment":"neutral","sentiment_score":-0.0354614183306694},{"word":"i've","start":537.18,"end":537.57996,"confidence":0.99840283,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.017854386940598488},{"word":"gone","start":537.57996,"end":537.98,"confidence":0.99728096,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.006116330623626709},{"word":"to","start":537.98,"end":538.48,"confidence":0.9906219,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.020534809678792953},{"word":"just","start":538.62,"end":538.86,"confidence":0.7824225,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.021379321813583377},{"word":"shy","start":538.86,"end":539.1,"confidence":0.9771124,"punctuated_word":"shy","sentiment":"neutral","sentiment_score":-0.02025968581438065},{"word":"of","start":539.1,"end":539.26,"confidence":0.95164263,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.009178025647997856},{"word":"1,500","start":539.26,"end":539.89996,"confidence":0.9991641,"punctuated_word":"1,500","sentiment":"neutral","sentiment_score":-0.007808521389961243},{"word":"a","start":539.89996,"end":540.06,"confidence":0.99795556,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.011387253180146216},{"word":"week","start":540.06,"end":540.56,"confidence":0.9999298,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.006503332406282425},{"word":"instead","start":542.205,"end":542.525,"confidence":0.9974082,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":-0.0008632242679595947},{"word":"of","start":542.525,"end":542.685,"confidence":0.98969483,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0031866692006587982},{"word":"two","start":542.685,"end":543.185,"confidence":0.94818264,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0003183521330356598},{"word":"instead","start":543.325,"end":543.72504,"confidence":0.78876746,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":-0.010449036955833437},{"word":"of","start":543.72504,"end":543.805,"confidence":0.9963236,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.006880052387714386},{"word":"$2.04","start":543.805,"end":544.465,"confidence":0.9476277,"punctuated_word":"$2.04.","sentiment":"neutral","sentiment_score":-0.0005023131961934268},{"word":"so","start":544.84503,"end":545.005,"confidence":0.98342174,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.001233043149113655},{"word":"it","start":545.005,"end":545.085,"confidence":0.89271426,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.009578138589859009},{"word":"was","start":545.085,"end":545.245,"confidence":0.9988403,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.004994384944438934},{"word":"only","start":545.245,"end":545.745,"confidence":0.99814916,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.005110207945108414},{"word":"a","start":546.685,"end":546.765,"confidence":0.942888,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.016050077974796295},{"word":"$900","start":546.765,"end":547.485,"confidence":0.99430287,"punctuated_word":"$900","sentiment":"neutral","sentiment_score":-0.010943017899990082},{"word":"drop","start":547.485,"end":547.985,"confidence":0.99905324,"punctuated_word":"drop.","sentiment":"neutral","sentiment_score":-0.009792833589017391},{"word":"so","start":549.965,"end":550.205,"confidence":0.98765695,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.002461753785610199},{"word":"i","start":550.205,"end":550.365,"confidence":0.30105603,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00406939722597599},{"word":"my","start":550.60504,"end":550.925,"confidence":0.9393432,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0008853897452354431},{"word":"alley","start":550.925,"end":551.245,"confidence":0.60679805,"punctuated_word":"alley,","sentiment":"neutral","sentiment_score":0.0072334399446845055},{"word":"right","start":551.245,"end":551.485,"confidence":0.9867879,"punctuated_word":"right,","sentiment":"neutral","sentiment_score":0.008494758978486061},{"word":"is","start":551.485,"end":551.645,"confidence":0.9802034,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00008738785982131958},{"word":"that","start":551.645,"end":551.885,"confidence":0.9799303,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00331675261259079},{"word":"oh","start":552.28503,"end":552.445,"confidence":0.7270069,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.020716557279229164},{"word":"sorry","start":552.445,"end":552.945,"confidence":0.8660996,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.01629258319735527},{"word":"yeah","start":554.28503,"end":554.445,"confidence":0.85706186,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03070200607180595},{"word":"it's","start":554.445,"end":554.60504,"confidence":0.99761856,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.06319981068372726},{"word":"14","start":554.60504,"end":555.10504,"confidence":0.99483645,"punctuated_word":"14","sentiment":"neutral","sentiment_score":0.3121018409729004},{"word":"1,400","start":555.87,"end":556.51,"confidence":0.99749184,"punctuated_word":"1,400","sentiment":"neutral","sentiment_score":0.02393481135368347},{"word":"and","start":556.51,"end":556.59,"confidence":0.9913312,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05230209231376648},{"word":"change","start":556.59,"end":556.91003,"confidence":0.96203244,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":0.020578287541866302},{"word":"i","start":556.91003,"end":556.99,"confidence":0.9998369,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0003588870167732239},{"word":"think","start":556.99,"end":557.15,"confidence":0.99994516,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.00982644408941269},{"word":"i","start":557.15,"end":557.31,"confidence":0.71900225,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.015722136944532394},{"word":"am","start":557.31,"end":557.71,"confidence":0.96334696,"punctuated_word":"am.","sentiment":"neutral","sentiment_score":-0.0031571011058986187},{"word":"let","start":557.71,"end":557.87,"confidence":0.2282831,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.0028919707983732224},{"word":"me","start":557.87,"end":557.95,"confidence":0.9875236,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.00011117663234472276},{"word":"get","start":557.95,"end":558.11,"confidence":0.72067225,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.004838313907384872},{"word":"you","start":558.11,"end":558.19,"confidence":0.4555068,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005331715568900108},{"word":"down","start":558.19,"end":558.59,"confidence":0.95766556,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.00378518202342093},{"word":"you","start":558.59,"end":558.75,"confidence":0.5262301,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.04948883503675461},{"word":"are","start":558.75,"end":558.91003,"confidence":0.4059373,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.03495818004012108},{"word":"now","start":558.91003,"end":559.15,"confidence":0.99360245,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.04841247946023941},{"word":"i","start":559.31,"end":559.39,"confidence":0.9960427,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.071509949862957},{"word":"don't","start":559.39,"end":559.55,"confidence":0.7398073,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06270615756511688},{"word":"have","start":559.55,"end":559.71,"confidence":0.9969452,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06153183430433273},{"word":"your","start":559.71,"end":559.87,"confidence":0.5459189,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06951101124286652},{"word":"weekly","start":559.87,"end":560.35004,"confidence":0.9921624,"punctuated_word":"weekly.","sentiment":"neutral","sentiment_score":-0.09817363321781158},{"word":"i've","start":560.35004,"end":560.51,"confidence":0.9736995,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.040984272956848145},{"word":"just","start":560.51,"end":560.67004,"confidence":0.99956495,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.031739819794893265},{"word":"got","start":560.67004,"end":561.17004,"confidence":0.99907434,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.03394857794046402},{"word":"517104","start":561.31,"end":563.07,"confidence":0.919812,"punctuated_word":"517104","sentiment":"neutral","sentiment_score":-0.02031962387263775},{"word":"a","start":563.07,"end":563.15,"confidence":0.9981989,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02925101108849049},{"word":"month","start":563.15,"end":563.65,"confidence":0.99922115,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.036498188972473145},{"word":"$5.01","start":563.71,"end":564.19,"confidence":0.9989816,"punctuated_word":"$5.01","sentiment":"neutral","sentiment_score":-0.009791882708668709},{"word":"$7.01","start":564.19,"end":564.83,"confidence":0.99560106,"punctuated_word":"$7.01.","sentiment":"neutral","sentiment_score":-0.010559970512986183},{"word":"yeah","start":564.83,"end":565.33,"confidence":0.7976307,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01653415709733963},{"word":"hang","start":565.55,"end":565.87,"confidence":0.99843353,"punctuated_word":"Hang","sentiment":"neutral","sentiment_score":-0.03381767496466637},{"word":"on","start":565.87,"end":566.37,"confidence":0.99966866,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.02121981978416443},{"word":"aren't","start":566.51,"end":566.83,"confidence":0.97573876,"punctuated_word":"Aren't","sentiment":"neutral","sentiment_score":-0.02272215485572815},{"word":"you","start":566.83,"end":567.07,"confidence":0.99325013,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.022814741358160973},{"word":"5,000","start":567.07,"end":567.71,"confidence":0.99869263,"punctuated_word":"5,000","sentiment":"neutral","sentiment_score":-0.014314203523099422},{"word":"a","start":567.71,"end":567.79004,"confidence":0.9993844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01707061380147934},{"word":"month","start":567.79004,"end":568.29004,"confidence":0.9997438,"punctuated_word":"month?","sentiment":"neutral","sentiment_score":-0.028821751475334167},{"word":"i'm","start":568.35004,"end":568.51,"confidence":0.9193692,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.03415549173951149},{"word":"the","start":568.51,"end":568.75,"confidence":0.991452,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.035120461136102676},{"word":"same","start":568.75,"end":569.07,"confidence":0.78054386,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.019424058496952057},{"word":"i'm","start":569.07,"end":569.31,"confidence":0.9038996,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02765484899282455},{"word":"the","start":569.31,"end":569.39,"confidence":0.9996381,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0275079607963562},{"word":"same","start":569.39,"end":569.63,"confidence":0.99995124,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.012892961502075195},{"word":"if","start":569.63,"end":569.79004,"confidence":0.997612,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02712829038500786},{"word":"i","start":569.79004,"end":569.95,"confidence":0.9996382,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03707045316696167},{"word":"drop","start":569.95,"end":570.19,"confidence":0.725981,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.02341911941766739},{"word":"down","start":570.19,"end":570.51,"confidence":0.9941448,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.03177358955144882},{"word":"oh","start":570.51,"end":570.75,"confidence":0.82015884,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.008871604688465595},{"word":"okay","start":570.75,"end":571.07,"confidence":0.9995068,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.0029044179245829582},{"word":"yep","start":571.07,"end":571.365,"confidence":0.8948374,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0004103488172404468},{"word":"oh","start":571.845,"end":572.08496,"confidence":0.96858513,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.06510458886623383},{"word":"so","start":572.08496,"end":572.245,"confidence":0.999129,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.08202651143074036},{"word":"that's","start":572.245,"end":572.40497,"confidence":0.99711066,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.151238352060318},{"word":"not","start":572.40497,"end":572.565,"confidence":0.9669972,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15828140079975128},{"word":"what","start":572.565,"end":572.725,"confidence":0.8480922,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.12674447894096377},{"word":"my","start":572.725,"end":572.96497,"confidence":0.34873518,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.11005979031324388},{"word":"job","start":572.96497,"end":573.205,"confidence":0.21716028,"punctuated_word":"job","sentiment":"neutral","sentiment_score":-0.1264348328113556},{"word":"is","start":573.205,"end":573.605,"confidence":0.46454525,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.11664846539497375},{"word":"no","start":573.605,"end":573.845,"confidence":0.93320465,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2927340865135193},{"word":"yours","start":573.845,"end":574.245,"confidence":0.9951635,"punctuated_word":"Yours","sentiment":"negative","sentiment_score":-0.34160417318344116},{"word":"is","start":574.245,"end":574.40497,"confidence":0.9805171,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.342906653881073},{"word":"wrong","start":574.40497,"end":574.805,"confidence":0.9994377,"punctuated_word":"wrong.","sentiment":"negative","sentiment_score":-0.34444373846054077},{"word":"sorry","start":574.805,"end":575.205,"confidence":0.9955311,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.3116607069969177},{"word":"i'm","start":575.205,"end":575.365,"confidence":0.854584,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.3355587124824524},{"word":"giving","start":575.365,"end":575.605,"confidence":0.99847883,"punctuated_word":"giving","sentiment":"negative","sentiment_score":-0.33533281087875366},{"word":"you","start":575.605,"end":575.765,"confidence":0.99845207,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3263988196849823},{"word":"my","start":575.765,"end":575.925,"confidence":0.99800617,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.317850261926651},{"word":"wrong","start":575.925,"end":576.425,"confidence":0.97087985,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.3171866238117218},{"word":"pay","start":576.565,"end":576.885,"confidence":0.7839081,"punctuated_word":"pay.","sentiment":"negative","sentiment_score":-0.3461966812610626},{"word":"that's","start":576.885,"end":577.125,"confidence":0.98787504,"punctuated_word":"That's","sentiment":"negative","sentiment_score":-0.34021005034446716},{"word":"that's","start":577.125,"end":577.365,"confidence":0.86904746,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.3135802149772644},{"word":"a","start":577.365,"end":577.52496,"confidence":0.9900949,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2648952007293701},{"word":"fortnight","start":577.52496,"end":578.005,"confidence":0.98827994,"punctuated_word":"fortnight","sentiment":"neutral","sentiment_score":-0.27491411566734314},{"word":"you've","start":578.005,"end":578.245,"confidence":0.9249392,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.2842063903808594},{"word":"given","start":578.245,"end":578.485,"confidence":0.99525565,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.255391389131546},{"word":"up","start":578.485,"end":578.885,"confidence":0.851122,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.21737642586231232},{"word":"yeah","start":578.885,"end":579.125,"confidence":0.9725517,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04132504388689995},{"word":"i","start":579.125,"end":579.205,"confidence":0.988304,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03227397799491882},{"word":"have","start":579.205,"end":579.705,"confidence":0.9975143,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":-0.01899091713130474},{"word":"will","start":587.32996,"end":587.57,"confidence":0.36446545,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":0.019342051818966866},{"word":"be","start":587.57,"end":587.73,"confidence":0.8926193,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.020626969635486603},{"word":"double","start":587.73,"end":587.97,"confidence":0.9916881,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.041458696126937866},{"word":"that","start":587.97,"end":588.13,"confidence":0.99297637,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.031880397349596024},{"word":"figure","start":588.13,"end":588.45,"confidence":0.9969579,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.04535529017448425},{"word":"that","start":588.45,"end":588.61,"confidence":0.99645585,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04312979057431221},{"word":"she","start":588.61,"end":588.85,"confidence":0.85771936,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.025621768087148663},{"word":"gave","start":588.85,"end":589.17,"confidence":0.7088218,"punctuated_word":"gave","sentiment":"neutral","sentiment_score":0.014467716217041016},{"word":"you","start":589.17,"end":589.41,"confidence":0.73973703,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.018447957932949063},{"word":"so","start":589.41,"end":589.89,"confidence":0.996452,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03040786273777485},{"word":"it'll","start":589.89,"end":590.13,"confidence":0.99056447,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.02594432234764099},{"word":"be","start":590.13,"end":590.45,"confidence":0.99891067,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.007812073454260826},{"word":"10,000","start":590.45,"end":591.19,"confidence":0.99976593,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.008842443116009235},{"word":"and","start":592.45,"end":592.61,"confidence":0.8641964,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0004878314211964607},{"word":"something","start":592.61,"end":593.11,"confidence":0.9699086,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.0005119470879435539},{"word":"it'll","start":593.25,"end":593.41,"confidence":0.9725028,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.009397788904607296},{"word":"be","start":593.41,"end":593.64996,"confidence":0.9970487,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.006415276788175106},{"word":"10,000","start":593.64996,"end":594.20996,"confidence":0.9943874,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.009245524182915688},{"word":"6","start":594.20996,"end":594.52997,"confidence":0.86336935,"punctuated_word":"6","sentiment":"neutral","sentiment_score":0.0009261462837457656},{"word":"101","start":594.52997,"end":597.61505,"confidence":0.68329954,"punctuated_word":"101.","sentiment":"neutral","sentiment_score":0.016061795875430107},{"word":"yeah","start":597.61505,"end":597.775,"confidence":0.84014356,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05114786699414253},{"word":"double","start":597.775,"end":598.17505,"confidence":0.89380354,"punctuated_word":"Double","sentiment":"neutral","sentiment_score":0.10513804107904434},{"word":"one","start":598.17505,"end":598.67505,"confidence":0.91848063,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.08523060381412506},{"word":"yeah","start":599.29504,"end":599.79504,"confidence":0.9836923,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17646193504333496},{"word":"you","start":601.53503,"end":601.775,"confidence":0.95667046,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.01711845211684704},{"word":"were","start":601.775,"end":601.93506,"confidence":0.85566163,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.014612816274166107},{"word":"thinking","start":601.93506,"end":602.255,"confidence":0.9986683,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.009876562282443048},{"word":"that","start":602.255,"end":602.335,"confidence":0.88053936,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.012558992952108383},{"word":"was","start":602.335,"end":602.575,"confidence":0.97011346,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.01305156946182251},{"word":"very","start":602.575,"end":602.815,"confidence":0.710698,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.005725927650928497},{"word":"small","start":602.815,"end":603.05505,"confidence":0.99958926,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.025434499606490135},{"word":"if","start":603.05505,"end":603.215,"confidence":0.9376909,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0154414102435112},{"word":"i'm","start":603.215,"end":603.375,"confidence":0.9994507,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.031571224331855774},{"word":"gonna","start":603.375,"end":603.61505,"confidence":0.99680734,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.02884358912706375},{"word":"have","start":603.61505,"end":603.85504,"confidence":0.9094076,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.018765326589345932},{"word":"that","start":603.85504,"end":604.35504,"confidence":0.99263155,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.015640223398804665},{"word":"sorry","start":607.455,"end":607.955,"confidence":0.87984335,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.0314381904900074},{"word":"do","start":610.41504,"end":610.575,"confidence":0.93772256,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.010208163410425186},{"word":"you","start":610.575,"end":610.655,"confidence":0.9996339,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012611811980605124},{"word":"want","start":610.655,"end":610.895,"confidence":0.9997917,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.010669458657503128},{"word":"my","start":610.895,"end":611.135,"confidence":0.9985758,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.009821300394833088},{"word":"hourly","start":611.135,"end":611.53503,"confidence":0.95470554,"punctuated_word":"hourly","sentiment":"neutral","sentiment_score":0.019252009689807892},{"word":"rate","start":611.53503,"end":611.85,"confidence":0.9992702,"punctuated_word":"rate?","sentiment":"neutral","sentiment_score":0.019962921738624573},{"word":"my","start":612.81,"end":613.31,"confidence":0.9253872,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.03391497954726219},{"word":"my","start":613.76996,"end":614.00995,"confidence":0.991816,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.03474253788590431},{"word":"hourly","start":614.00995,"end":614.41,"confidence":0.9966545,"punctuated_word":"hourly","sentiment":"neutral","sentiment_score":0.04749777913093567},{"word":"rate","start":614.41,"end":614.64996,"confidence":0.9999386,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.04848300293087959},{"word":"is","start":614.64996,"end":614.88995,"confidence":0.9998853,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.037197571247816086},{"word":"$100","start":614.88995,"end":615.93,"confidence":0.99798334,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.055053867399692535},{"word":"and","start":615.93,"end":616.43,"confidence":0.99830973,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02949787676334381},{"word":"3611","start":616.88995,"end":618.00995,"confidence":0.9473654,"punctuated_word":"3611,","sentiment":"neutral","sentiment_score":0.0292796827852726},{"word":"so","start":618.00995,"end":618.25,"confidence":0.99516475,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.023752637207508087},{"word":"03611","start":618.25,"end":619.70996,"confidence":0.99341697,"punctuated_word":"03611.","sentiment":"neutral","sentiment_score":0.02586870640516281},{"word":"it's","start":632.545,"end":632.625,"confidence":0.8223164,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.010042069479823112},{"word":"thirty","start":632.625,"end":632.865,"confidence":0.9954016,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.01826002821326256},{"word":"yeah","start":633.10504,"end":633.265,"confidence":0.98912823,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01873409003019333},{"word":"i","start":633.265,"end":633.34503,"confidence":0.99809164,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017203448340296745},{"word":"think","start":633.34503,"end":633.425,"confidence":0.9997111,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.020817698910832405},{"word":"it's","start":633.425,"end":633.66504,"confidence":0.9978211,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02395484410226345},{"word":"thirty","start":633.66504,"end":633.985,"confidence":0.9990533,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.024858402088284492},{"word":"eight","start":633.985,"end":634.305,"confidence":0.7708893,"punctuated_word":"eight.","sentiment":"neutral","sentiment_score":0.021304775029420853},{"word":"so","start":634.305,"end":634.545,"confidence":0.7348427,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.030491722747683525},{"word":"it'll","start":634.545,"end":634.705,"confidence":0.8413365,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.036167219281196594},{"word":"be","start":634.705,"end":634.865,"confidence":0.9972972,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03443700075149536},{"word":"half","start":634.865,"end":635.025,"confidence":0.9977773,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.031571097671985626},{"word":"of","start":635.025,"end":635.185,"confidence":0.9931079,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.018262986093759537},{"word":"that","start":635.185,"end":635.685,"confidence":0.99816,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.046580586582422256},{"word":"that's","start":638.545,"end":638.705,"confidence":0.86506915,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.06474759429693222},{"word":"just","start":638.705,"end":638.945,"confidence":0.9804866,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07118351757526398},{"word":"yeah","start":639.025,"end":639.525,"confidence":0.9096991,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.09063532948493958},{"word":"approximately","start":641.745,"end":642.22504,"confidence":0.87720025,"punctuated_word":"Approximately","sentiment":"neutral","sentiment_score":0.023850690573453903},{"word":"that","start":642.22504,"end":642.63,"confidence":0.8053166,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014319362118840218},{"word":"we'll","start":642.79,"end":643.03,"confidence":0.6111248,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.02945799194276333},{"word":"be","start":643.03,"end":643.11,"confidence":0.62719214,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.02252921089529991},{"word":"working","start":643.11,"end":643.51,"confidence":0.9986364,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.027659183368086815},{"word":"on","start":643.51,"end":643.67,"confidence":0.9928538,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.004525458440184593},{"word":"because","start":643.67,"end":643.83,"confidence":0.55829334,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.013789765536785126},{"word":"i'd","start":643.83,"end":643.91003,"confidence":0.9633726,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.006036666687577963},{"word":"have","start":643.91003,"end":644.03,"confidence":0.99890757,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0064442940056324005},{"word":"to","start":644.03,"end":644.15,"confidence":0.9951174,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0127902552485466},{"word":"find","start":644.15,"end":644.39,"confidence":0.99392515,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.002420831471681595},{"word":"someone","start":644.39,"end":644.63,"confidence":0.90015054,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.00782587006688118},{"word":"to","start":644.63,"end":644.79,"confidence":0.86795044,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01908605545759201},{"word":"job","start":644.79,"end":645.03,"confidence":0.742527,"punctuated_word":"job","sentiment":"neutral","sentiment_score":0.012231063097715378},{"word":"share","start":645.03,"end":645.53,"confidence":0.9740689,"punctuated_word":"share.","sentiment":"neutral","sentiment_score":0.02550685405731201},{"word":"yeah","start":646.31,"end":646.81,"confidence":0.92305845,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11650664359331132},{"word":"mhmm","start":656.71,"end":656.8325,"confidence":0.89744544,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.035166673362255096},{"word":"yes","start":656.8325,"end":656.955,"confidence":0.98962975,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06457884609699249},{"word":"yeah","start":665.515,"end":665.835,"confidence":0.7221627,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.019553860649466515},{"word":"so","start":665.835,"end":666.155,"confidence":0.50988,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0287852231413126},{"word":"tell","start":666.315,"end":666.395,"confidence":0.837455,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.023719199001789093},{"word":"you","start":666.395,"end":666.635,"confidence":0.9871975,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02526041120290756},{"word":"the","start":666.635,"end":666.715,"confidence":0.9760232,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021156396716833115},{"word":"exact","start":666.715,"end":666.955,"confidence":0.9979558,"punctuated_word":"exact","sentiment":"neutral","sentiment_score":0.02270280197262764},{"word":"i'll","start":667.115,"end":667.195,"confidence":0.9633732,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.01595071516931057},{"word":"i'll","start":667.195,"end":667.275,"confidence":0.82682544,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.013066189363598824},{"word":"go","start":667.275,"end":667.435,"confidence":0.9829578,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.01477307640016079},{"word":"into","start":667.435,"end":667.555,"confidence":0.96279603,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0192011259496212},{"word":"the","start":667.555,"end":667.675,"confidence":0.9715935,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015313562005758286},{"word":"commonwealth","start":667.675,"end":668.075,"confidence":0.9202589,"punctuated_word":"Commonwealth","sentiment":"neutral","sentiment_score":0.017894087359309196},{"word":"bank","start":668.075,"end":668.23505,"confidence":0.96261275,"punctuated_word":"Bank","sentiment":"neutral","sentiment_score":0.01560411136597395},{"word":"and","start":668.23505,"end":668.395,"confidence":0.98685235,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01604008860886097},{"word":"tell","start":668.395,"end":668.47504,"confidence":0.997764,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.021838918328285217},{"word":"you","start":668.47504,"end":668.635,"confidence":0.9972785,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02461671084165573},{"word":"the","start":668.635,"end":668.715,"confidence":0.9893616,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015854228287935257},{"word":"exact","start":668.715,"end":669.03503,"confidence":0.99954283,"punctuated_word":"exact","sentiment":"neutral","sentiment_score":0.013153313659131529},{"word":"amount","start":669.03503,"end":669.275,"confidence":0.9824981,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.008439858444035053},{"word":"that's","start":669.275,"end":669.515,"confidence":0.77035594,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.007279279641807079},{"word":"coming","start":669.515,"end":669.675,"confidence":0.99317306,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.0006440430879592896},{"word":"in","start":669.675,"end":669.79504,"confidence":0.7826709,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.00796508975327015},{"word":"wrong","start":669.91504,"end":670.395,"confidence":0.87746453,"punctuated_word":"Wrong.","sentiment":"neutral","sentiment_score":-0.12791064381599426},{"word":"it's","start":670.395,"end":670.635,"confidence":0.99712896,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.09980838000774384},{"word":"not","start":670.635,"end":671.135,"confidence":0.9423588,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.0908750742673874},{"word":"oh","start":671.65,"end":672.15,"confidence":0.9426999,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.07220617681741714},{"word":"ignore","start":672.21,"end":672.61,"confidence":0.6414426,"punctuated_word":"ignore","sentiment":"neutral","sentiment_score":-0.10471349209547044},{"word":"that","start":672.61,"end":673.01,"confidence":0.99899286,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.08631472289562225},{"word":"yeah","start":673.01,"end":673.25,"confidence":0.9740329,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0585399754345417},{"word":"i","start":673.25,"end":673.33,"confidence":0.9902485,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09648264199495316},{"word":"haven't","start":673.33,"end":673.57,"confidence":0.99989045,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.08593752235174179},{"word":"changed","start":673.57,"end":673.89,"confidence":0.99767643,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.09703356772661208},{"word":"that","start":673.89,"end":674.05,"confidence":0.99541414,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13952535390853882},{"word":"yet","start":674.05,"end":674.55,"confidence":0.9978709,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.12203218042850494},{"word":"and","start":676.29,"end":676.53,"confidence":0.8592367,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07372656464576721},{"word":"that's","start":676.53,"end":677.03,"confidence":0.9227851,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0740317851305008},{"word":"that's","start":677.41,"end":677.81,"confidence":0.6253092,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.06711757183074951},{"word":"it's","start":678.05,"end":678.13,"confidence":0.87457395,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08508504927158356},{"word":"got","start":678.13,"end":678.37,"confidence":0.97472656,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.08691374957561493},{"word":"expenses","start":678.37,"end":678.77,"confidence":0.9929703,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":-0.07382431626319885},{"word":"in","start":678.77,"end":679.01,"confidence":0.9866078,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09912706166505814},{"word":"it","start":679.01,"end":679.17,"confidence":0.8677008,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.08954060077667236},{"word":"don't","start":679.17,"end":679.41,"confidence":0.99340796,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.05375789850950241},{"word":"forget","start":679.41,"end":679.91,"confidence":0.9779316,"punctuated_word":"forget.","sentiment":"neutral","sentiment_score":-0.04517991468310356},{"word":"it's","start":679.97,"end":680.21,"confidence":0.9912039,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.059624165296554565},{"word":"got","start":680.21,"end":680.45,"confidence":0.99094814,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.04513172060251236},{"word":"expenses","start":680.45,"end":680.93,"confidence":0.9979685,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":-0.05000563710927963},{"word":"taken","start":680.93,"end":681.17,"confidence":0.9976681,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":-0.05105184763669968},{"word":"out","start":681.17,"end":681.33,"confidence":0.9994324,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.07985158264636993},{"word":"of","start":681.33,"end":681.49,"confidence":0.9987116,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07594794034957886},{"word":"it","start":681.49,"end":681.65,"confidence":0.96512675,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0722537711262703},{"word":"yeah","start":681.65,"end":681.89,"confidence":0.9942197,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02115706168115139},{"word":"so","start":681.89,"end":682.13,"confidence":0.48410556,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.024106021970510483},{"word":"you","start":682.13,"end":682.21,"confidence":0.95417094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.030657000839710236},{"word":"can't","start":682.21,"end":682.45,"confidence":0.8901341,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.03580314666032791},{"word":"look","start":682.45,"end":682.61,"confidence":0.53160655,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.047046076506376266},{"word":"at","start":682.61,"end":682.69,"confidence":0.7852782,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06218110769987106},{"word":"my","start":682.69,"end":682.85,"confidence":0.98130476,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.039855703711509705},{"word":"bank","start":682.85,"end":683.09,"confidence":0.7643347,"punctuated_word":"bank.","sentiment":"neutral","sentiment_score":-0.04505828395485878},{"word":"oh","start":683.09,"end":683.17,"confidence":0.9822983,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.031451351940631866},{"word":"then","start":683.17,"end":683.29,"confidence":0.871232,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.02208038419485092},{"word":"i","start":683.29,"end":683.41,"confidence":0.63901883,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03877776116132736},{"word":"don't","start":683.41,"end":683.65,"confidence":0.9968165,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03843902796506882},{"word":"have","start":683.65,"end":683.81,"confidence":0.8568323,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0414113849401474},{"word":"your","start":683.81,"end":683.89,"confidence":0.4557613,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0361877977848053},{"word":"pay","start":683.89,"end":684.05,"confidence":0.2674796,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.042141109704971313},{"word":"stub","start":684.05,"end":684.29,"confidence":0.885164,"punctuated_word":"stub.","sentiment":"neutral","sentiment_score":-0.04015041142702103},{"word":"no","start":684.29,"end":684.79,"confidence":0.99585617,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02726029232144356},{"word":"i","start":689.60504,"end":689.765,"confidence":0.95501214,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.015395956113934515},{"word":"sent","start":689.765,"end":690.005,"confidence":0.75777406,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":-0.021287523210048676},{"word":"some","start":690.005,"end":690.16504,"confidence":0.9009292,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.016205843538045883},{"word":"home","start":690.16504,"end":690.405,"confidence":0.75869083,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":-0.022525042295455933},{"word":"didn't","start":690.405,"end":690.72504,"confidence":0.9826821,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.01838710717856884},{"word":"i","start":690.72504,"end":691.125,"confidence":0.9980211,"punctuated_word":"I?","sentiment":"neutral","sentiment_score":-0.00735442154109478},{"word":"you","start":691.125,"end":691.28503,"confidence":0.6392675,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.003738000988960266},{"word":"did","start":691.28503,"end":691.78503,"confidence":0.89455426,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":-0.002484946511685848},{"word":"yeah","start":692.485,"end":692.72504,"confidence":0.99258494,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0060958885587751865},{"word":"because","start":692.72504,"end":692.965,"confidence":0.98597115,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.0011651180684566498},{"word":"there's","start":692.965,"end":693.205,"confidence":0.9951053,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.006760326214134693},{"word":"there's","start":693.205,"end":693.525,"confidence":0.9983669,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0060510048642754555},{"word":"i","start":693.60504,"end":693.765,"confidence":0.99663085,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0002520903944969177},{"word":"pay","start":693.765,"end":694.265,"confidence":0.9731041,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.0021991413086652756},{"word":"into","start":694.405,"end":694.805,"confidence":0.7160413,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.00436181016266346},{"word":"shares","start":694.805,"end":695.28503,"confidence":0.9960737,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.0024967901408672333},{"word":"out","start":695.28503,"end":695.445,"confidence":0.6864609,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.003937112167477608},{"word":"of","start":695.445,"end":695.60504,"confidence":0.96353656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013134123757481577},{"word":"my","start":695.60504,"end":695.765,"confidence":0.9975426,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.00905691273510456},{"word":"pay","start":695.765,"end":696.085,"confidence":0.8475778,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":-0.0104374960064888},{"word":"and","start":696.085,"end":696.245,"confidence":0.99943334,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008769607171416283},{"word":"i","start":696.245,"end":696.405,"confidence":0.99931014,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005247524008154869},{"word":"pay","start":696.405,"end":696.805,"confidence":0.9963737,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.006394347175955772},{"word":"accommodation","start":696.805,"end":697.305,"confidence":0.79465103,"punctuated_word":"accommodation","sentiment":"neutral","sentiment_score":-0.01816808618605137},{"word":"out","start":697.525,"end":697.60504,"confidence":0.96137416,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.008529255166649818},{"word":"of","start":697.60504,"end":697.765,"confidence":0.9967939,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01978127472102642},{"word":"my","start":697.765,"end":697.925,"confidence":0.9982146,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.016580730676651},{"word":"pay","start":697.925,"end":698.16504,"confidence":0.98675525,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":-0.0197020061314106},{"word":"which","start":698.16504,"end":698.405,"confidence":0.9986979,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.016026021912693977},{"word":"is","start":698.405,"end":698.565,"confidence":0.9939353,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.016496457159519196},{"word":"all","start":698.565,"end":698.72504,"confidence":0.9663934,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.005559602752327919},{"word":"so","start":701.84503,"end":702.005,"confidence":0.30374146,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.007857060059905052},{"word":"you","start":702.005,"end":702.085,"confidence":0.79488635,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010925589129328728},{"word":"pay","start":702.085,"end":702.3,"confidence":0.57094043,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.009494474157691002},{"word":"yeah","start":707.5,"end":708.0,"confidence":0.62397146,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06061283126473427},{"word":"yeah","start":712.94,"end":713.26,"confidence":0.6718549,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15639623999595642},{"word":"she's","start":713.26,"end":713.5,"confidence":0.80609655,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":0.20970630645751953},{"word":"got","start":713.5,"end":713.66,"confidence":0.9933559,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.16381625831127167},{"word":"one","start":713.66,"end":713.82,"confidence":0.99869746,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2166956514120102},{"word":"coming","start":713.82,"end":714.22,"confidence":0.993529,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.1975056529045105},{"word":"now","start":714.22,"end":714.72,"confidence":0.98672706,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.1993672251701355},{"word":"just","start":715.1,"end":715.26,"confidence":0.49916935,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.2438049167394638},{"word":"taking","start":715.26,"end":715.76,"confidence":0.38356245,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.3081735074520111},{"word":"sweet","start":716.415,"end":716.815,"confidence":0.8904024,"punctuated_word":"sweet","sentiment":"positive","sentiment_score":0.747171938419342},{"word":"time","start":716.815,"end":717.135,"confidence":0.96934277,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.7205817103385925},{"word":"to","start":717.135,"end":717.635,"confidence":0.9913033,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6944643259048462},{"word":"download","start":717.695,"end":718.195,"confidence":0.71309817,"punctuated_word":"download.","sentiment":"positive","sentiment_score":0.5641465783119202},{"word":"can","start":730.575,"end":730.975,"confidence":0.18995757,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.0012992136180400848},{"word":"you","start":730.975,"end":731.135,"confidence":0.9931083,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003614796325564385},{"word":"access","start":731.135,"end":731.535,"confidence":0.9896913,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.0003206990659236908},{"word":"that","start":731.535,"end":731.76,"confidence":0.9276311,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.015834543853998184},{"word":"scott","start":731.92,"end":732.42,"confidence":0.9918842,"punctuated_word":"Scott?","sentiment":"neutral","sentiment_score":-0.003647236153483391},{"word":"so","start":733.2,"end":733.52,"confidence":0.18195678,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.12138086557388306},{"word":"mine","start":733.52,"end":733.76,"confidence":0.9332451,"punctuated_word":"mine","sentiment":"neutral","sentiment_score":-0.16255630552768707},{"word":"doesn't","start":733.76,"end":734.08,"confidence":0.9958662,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.21963250637054443},{"word":"seem","start":734.08,"end":734.32,"confidence":0.9902075,"punctuated_word":"seem","sentiment":"neutral","sentiment_score":-0.2910287082195282},{"word":"to","start":734.32,"end":734.4,"confidence":0.96722066,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24130648374557495},{"word":"work","start":734.4,"end":734.72003,"confidence":0.30911812,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.1929582506418228},{"word":"anymore","start":734.72003,"end":735.04004,"confidence":0.3852526,"punctuated_word":"anymore","sentiment":"neutral","sentiment_score":-0.2873532176017761},{"word":"for","start":735.04004,"end":735.12,"confidence":0.50443494,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.17947421967983246},{"word":"me","start":735.12,"end":735.62,"confidence":0.9896183,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.16995632648468018},{"word":"well","start":736.16003,"end":736.24,"confidence":0.64548206,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.05465937778353691},{"word":"that's","start":736.24,"end":736.56,"confidence":0.8609816,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.043054066598415375},{"word":"in","start":736.56,"end":736.72003,"confidence":0.40758464,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.048727408051490784},{"word":"the","start":736.72003,"end":736.8,"confidence":0.65039766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04470715671777725},{"word":"mail","start":736.8,"end":737.3,"confidence":0.6896496,"punctuated_word":"mail.","sentiment":"neutral","sentiment_score":-0.04488575831055641},{"word":"no","start":755.30505,"end":755.465,"confidence":0.51158065,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05175294727087021},{"word":"but","start":755.465,"end":755.625,"confidence":0.50886756,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03341665863990784},{"word":"you","start":755.625,"end":755.78503,"confidence":0.79077876,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.021162565797567368},{"word":"carry","start":755.78503,"end":756.10504,"confidence":0.9124695,"punctuated_word":"carry","sentiment":"neutral","sentiment_score":-0.01754535362124443},{"word":"on","start":756.10504,"end":756.265,"confidence":0.85332394,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.01196005567908287},{"word":"and","start":756.265,"end":756.42505,"confidence":0.99347174,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013243358582258224},{"word":"i'll","start":756.42505,"end":756.74506,"confidence":0.99201024,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.03720733895897865},{"word":"i'll","start":756.74506,"end":756.905,"confidence":0.99201226,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0395762100815773},{"word":"come","start":756.905,"end":756.98505,"confidence":0.99880373,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.052425310015678406},{"word":"back","start":756.98505,"end":757.145,"confidence":0.9996233,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.02697078511118889},{"word":"to","start":757.145,"end":757.30505,"confidence":0.9892055,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03973589837551117},{"word":"you","start":757.30505,"end":757.385,"confidence":0.97657585,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030835431069135662},{"word":"with","start":757.385,"end":757.705,"confidence":0.99363977,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0403001606464386},{"word":"yep","start":758.825,"end":759.22504,"confidence":0.88518834,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07279754430055618},{"word":"that's","start":759.22504,"end":759.465,"confidence":0.9981262,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.18598657846450808},{"word":"okay","start":759.465,"end":759.945,"confidence":0.99891347,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.21272814273834229},{"word":"easy","start":759.945,"end":760.445,"confidence":0.9979714,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.20825302600860596},{"word":"what","start":760.505,"end":761.005,"confidence":0.81292313,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.061986710876226425},{"word":"yep","start":769.8,"end":770.3,"confidence":0.9507823,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09705321490764618},{"word":"yeah","start":779.235,"end":779.735,"confidence":0.8163811,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06658163666725159},{"word":"yeah","start":784.355,"end":784.855,"confidence":0.675462,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0812244564294815},{"word":"so","start":791.64996,"end":791.77,"confidence":0.53046817,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0377972386777401},{"word":"i","start":791.77,"end":791.89,"confidence":0.9950878,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03301241993904114},{"word":"think","start":791.89,"end":792.13,"confidence":0.9998155,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.034592702984809875},{"word":"that's","start":792.13,"end":792.45,"confidence":0.9962784,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.043668653815984726},{"word":"the","start":792.45,"end":792.61,"confidence":0.9977423,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030460428446531296},{"word":"question","start":792.61,"end":793.01,"confidence":0.99967086,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.09782728552818298},{"word":"we","start":793.01,"end":793.17,"confidence":0.9986431,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08407337218523026},{"word":"wanna","start":793.17,"end":793.41,"confidence":0.9869152,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.082694873213768},{"word":"ask","start":793.41,"end":793.81,"confidence":0.9979046,"punctuated_word":"ask.","sentiment":"neutral","sentiment_score":0.05553311109542847},{"word":"we've","start":793.81,"end":794.05,"confidence":0.99873066,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.04323725029826164},{"word":"got","start":794.05,"end":794.37,"confidence":0.9997924,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.05758260190486908},{"word":"at","start":794.45,"end":794.61,"confidence":0.99872273,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10042095929384232},{"word":"the","start":794.61,"end":794.77,"confidence":0.999793,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07936359196901321},{"word":"moment","start":794.77,"end":795.08997,"confidence":0.9652053,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.060807812958955765},{"word":"we've","start":795.08997,"end":795.41,"confidence":0.98367524,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.06034618616104126},{"word":"we've","start":795.41,"end":795.64996,"confidence":0.99177724,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.08043037354946136},{"word":"paid","start":795.64996,"end":795.89,"confidence":0.9911315,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.053877703845500946},{"word":"it","start":795.89,"end":795.97,"confidence":0.9955512,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10361309349536896},{"word":"all","start":795.97,"end":796.29,"confidence":0.9766693,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.09790215641260148},{"word":"off","start":796.29,"end":796.77,"confidence":0.9897047,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.06596177071332932},{"word":"we've","start":796.77,"end":797.08997,"confidence":0.99951553,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.033096469938755035},{"word":"got","start":797.08997,"end":797.25,"confidence":0.99912196,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.031903550028800964},{"word":"we've","start":798.52997,"end":798.85,"confidence":0.99689686,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.03525906801223755},{"word":"left","start":798.85,"end":799.17,"confidence":0.99851245,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.009825184941291807},{"word":"our","start":799.17,"end":799.33,"confidence":0.95342135,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.06992407888174057},{"word":"home","start":799.33,"end":799.64996,"confidence":0.84293807,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.06213456392288208},{"word":"loan","start":799.64996,"end":800.05,"confidence":0.5586238,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.07123100012540817},{"word":"open","start":800.05,"end":800.45,"confidence":0.9839394,"punctuated_word":"open","sentiment":"neutral","sentiment_score":-0.00475822389125824},{"word":"for","start":800.45,"end":800.61,"confidence":0.98537827,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08465166389942169},{"word":"the","start":800.61,"end":800.77,"confidence":0.999724,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05080598592758179},{"word":"moment","start":800.77,"end":801.27,"confidence":0.9984385,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.041283007711172104},{"word":"it's","start":802.29,"end":802.61,"confidence":0.94358885,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.009071852080523968},{"word":"got","start":802.61,"end":802.85,"confidence":0.9783917,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.01537100225687027},{"word":"about","start":802.85,"end":803.35,"confidence":0.99740016,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.012375768274068832},{"word":"how","start":804.05,"end":804.20996,"confidence":0.49185634,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.007029697299003601},{"word":"much","start":804.20996,"end":804.45,"confidence":0.9991986,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.0011689066886901855},{"word":"is","start":804.45,"end":804.69,"confidence":0.95466286,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.018046334385871887},{"word":"in","start":804.69,"end":804.93,"confidence":0.59502745,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.023942813277244568},{"word":"in","start":804.93,"end":805.08997,"confidence":0.8379878,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03603564947843552},{"word":"it","start":805.08997,"end":805.335,"confidence":0.91892266,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.052367061376571655},{"word":"let","start":807.255,"end":807.495,"confidence":0.98525363,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.08701346814632416},{"word":"me","start":807.495,"end":807.575,"confidence":0.9991103,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.09274721890687944},{"word":"just","start":807.575,"end":807.895,"confidence":0.9991835,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05299129337072373},{"word":"look","start":807.895,"end":808.375,"confidence":0.992092,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.05931069701910019},{"word":"193,600","start":808.375,"end":810.315,"confidence":0.9753805,"punctuated_word":"193,600","sentiment":"neutral","sentiment_score":-0.0692673847079277},{"word":"owing","start":810.375,"end":810.695,"confidence":0.95576763,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":-0.09083990752696992},{"word":"on","start":810.695,"end":810.85504,"confidence":0.99933344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.12548625469207764},{"word":"it","start":810.85504,"end":811.35504,"confidence":0.9390761,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.12476632744073868},{"word":"but","start":811.495,"end":811.73505,"confidence":0.99955696,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.12794344127178192},{"word":"we're","start":811.73505,"end":811.895,"confidence":0.9997417,"punctuated_word":"we're","sentiment":"negative","sentiment_score":-0.3856732249259949},{"word":"not","start":811.895,"end":812.055,"confidence":0.9995951,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4225709140300751},{"word":"paying","start":812.055,"end":812.375,"confidence":0.99988496,"punctuated_word":"paying","sentiment":"negative","sentiment_score":-0.47302183508872986},{"word":"any","start":812.375,"end":812.695,"confidence":0.9783854,"punctuated_word":"any","sentiment":"negative","sentiment_score":-0.4613315165042877},{"word":"interest","start":812.695,"end":813.09503,"confidence":0.9981798,"punctuated_word":"interest","sentiment":"negative","sentiment_score":-0.5040422081947327},{"word":"because","start":813.09503,"end":813.41504,"confidence":0.96026224,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.39913561940193176},{"word":"we've","start":813.41504,"end":813.73505,"confidence":0.99959534,"punctuated_word":"we've","sentiment":"negative","sentiment_score":-0.5078463554382324},{"word":"got","start":813.73505,"end":814.23505,"confidence":0.99968815,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.44867971539497375},{"word":"about","start":815.495,"end":815.895,"confidence":0.7551928,"punctuated_word":"about","sentiment":"negative","sentiment_score":-0.33578088879585266},{"word":"$387,000","start":815.895,"end":817.655,"confidence":0.9969732,"punctuated_word":"$387,000","sentiment":"neutral","sentiment_score":-0.26926475763320923},{"word":"sitting","start":817.655,"end":817.97504,"confidence":0.99943143,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.28553199768066406},{"word":"in","start":817.97504,"end":818.135,"confidence":0.9987966,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.344891756772995},{"word":"the","start":818.135,"end":818.29504,"confidence":0.973571,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3441871404647827},{"word":"offsetting","start":818.29504,"end":818.79504,"confidence":0.66366535,"punctuated_word":"offsetting.","sentiment":"neutral","sentiment_score":-0.3271603584289551},{"word":"account","start":820.82996,"end":821.14996,"confidence":0.94060194,"punctuated_word":"Account.","sentiment":"neutral","sentiment_score":-0.033575668931007385},{"word":"so","start":821.14996,"end":821.62994,"confidence":0.91278917,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04023868590593338},{"word":"but","start":821.94995,"end":822.19,"confidence":0.9937714,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.041088253259658813},{"word":"we'll","start":822.19,"end":822.35,"confidence":0.9995084,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.0670676901936531},{"word":"have","start":822.35,"end":822.58997,"confidence":0.9999,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06693970412015915},{"word":"to","start":822.58997,"end":822.67,"confidence":0.998684,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06380094587802887},{"word":"take","start":822.67,"end":822.91,"confidence":0.9996333,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.048543259501457214},{"word":"a","start":822.91,"end":822.99,"confidence":0.98121625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010675098747015},{"word":"$100,100,000","start":822.99,"end":824.26996,"confidence":0.9142395,"punctuated_word":"$100,100,000","sentiment":"neutral","sentiment_score":0.02867044322192669},{"word":"out","start":824.26996,"end":824.43,"confidence":0.9985292,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.015302874147891998},{"word":"of","start":824.43,"end":824.50995,"confidence":0.99978846,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04213196784257889},{"word":"that","start":824.50995,"end":824.82996,"confidence":0.9997677,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.037017568945884705},{"word":"for","start":824.82996,"end":825.32996,"confidence":0.99291307,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05991329997777939},{"word":"capital","start":825.79,"end":826.19,"confidence":0.97998065,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.054580897092819214},{"word":"gains","start":826.19,"end":826.69,"confidence":0.9930781,"punctuated_word":"gains.","sentiment":"neutral","sentiment_score":-0.011120490729808807},{"word":"so","start":828.19,"end":828.50995,"confidence":0.99709165,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06421971321105957},{"word":"after","start":828.50995,"end":828.82996,"confidence":0.98400116,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.03806610405445099},{"word":"we","start":828.82996,"end":828.99,"confidence":0.9951154,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.013335488736629486},{"word":"like","start":829.06995,"end":829.38995,"confidence":0.99625945,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04440360143780708},{"word":"if","start":829.38995,"end":829.55,"confidence":0.9997842,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05373525992035866},{"word":"we","start":829.55,"end":829.79,"confidence":0.99852175,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.003992095589637756},{"word":"were","start":829.79,"end":830.02997,"confidence":0.95476246,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.006670691072940826},{"word":"to","start":830.02997,"end":830.11,"confidence":0.9964833,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015399552881717682},{"word":"pay","start":830.11,"end":830.35,"confidence":0.9925283,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.07547278702259064},{"word":"off","start":830.35,"end":830.50995,"confidence":0.99510974,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.06557148694992065},{"word":"the","start":830.50995,"end":830.75,"confidence":0.99836093,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06225227564573288},{"word":"loan","start":830.75,"end":831.14996,"confidence":0.9921321,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.09597644209861755},{"word":"fully","start":831.14996,"end":831.64996,"confidence":0.9941969,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.005863167345523834},{"word":"and","start":832.115,"end":832.27496,"confidence":0.9999261,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.020677611231803898},{"word":"pay","start":832.27496,"end":832.51495,"confidence":0.9917081,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.04244522005319595},{"word":"off","start":832.51495,"end":832.755,"confidence":0.9989656,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.003055967390537262},{"word":"the","start":832.755,"end":833.235,"confidence":0.996287,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00800139456987381},{"word":"capital","start":833.235,"end":833.71497,"confidence":0.99900335,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.015290483832359314},{"word":"gains","start":833.71497,"end":834.035,"confidence":0.7951815,"punctuated_word":"gains,","sentiment":"neutral","sentiment_score":0.022407904267311096},{"word":"we'd","start":834.035,"end":834.355,"confidence":0.82212746,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.04286953806877136},{"word":"be","start":834.355,"end":834.51495,"confidence":0.9874326,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07549217343330383},{"word":"like","start":834.51495,"end":834.595,"confidence":0.3572755,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0741763487458229},{"word":"we'd","start":834.675,"end":834.83496,"confidence":0.9580721,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.1334914267063141},{"word":"have","start":834.83496,"end":834.995,"confidence":0.9981634,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09031370282173155},{"word":"about","start":834.995,"end":835.235,"confidence":0.9878542,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0771140605211258},{"word":"a","start":835.235,"end":835.315,"confidence":0.88990426,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1306968778371811},{"word":"$100,000","start":835.315,"end":836.27496,"confidence":0.99827707,"punctuated_word":"$100,000","sentiment":"neutral","sentiment_score":0.16353298723697662},{"word":"in","start":836.27496,"end":836.51495,"confidence":0.9993918,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08937141299247742},{"word":"equity","start":837.635,"end":837.91504,"confidence":0.9800216,"punctuated_word":"Equity.","sentiment":"neutral","sentiment_score":0.06848186254501343},{"word":"equity","start":838.195,"end":838.695,"confidence":0.8563011,"punctuated_word":"Equity,","sentiment":"neutral","sentiment_score":0.03553289547562599},{"word":"like","start":838.915,"end":839.235,"confidence":0.7986897,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03837395459413528},{"word":"and","start":839.235,"end":839.635,"confidence":0.58316946,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03310724347829819},{"word":"just","start":839.635,"end":839.875,"confidence":0.956167,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03708747774362564},{"word":"sitting","start":839.875,"end":840.27496,"confidence":0.986572,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.10100887715816498},{"word":"there","start":840.27496,"end":840.595,"confidence":0.9980603,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.062380775809288025},{"word":"as","start":840.595,"end":840.995,"confidence":0.99017674,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04102186858654022},{"word":"cash","start":840.995,"end":841.495,"confidence":0.9936445,"punctuated_word":"cash.","sentiment":"neutral","sentiment_score":0.03689666837453842},{"word":"so","start":844.58,"end":845.06,"confidence":0.997009,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04604338109493256},{"word":"we're","start":845.06,"end":845.3,"confidence":0.9666401,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.059579961001873016},{"word":"sort","start":845.3,"end":845.54004,"confidence":0.976177,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.02356557548046112},{"word":"of","start":845.54004,"end":845.62,"confidence":0.6983031,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029006101191043857},{"word":"like","start":845.62,"end":845.78,"confidence":0.8007263,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.022693008184432983},{"word":"do","start":845.78,"end":846.02,"confidence":0.9963014,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03442418575286865},{"word":"we","start":846.02,"end":846.10004,"confidence":0.99857676,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.012162357568740845},{"word":"pay","start":846.10004,"end":846.34,"confidence":0.99962544,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.07020486146211624},{"word":"the","start":846.34,"end":846.5,"confidence":0.99930763,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024833619594573975},{"word":"home","start":846.5,"end":846.66003,"confidence":0.9814237,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.07112995535135269},{"word":"loan","start":846.66003,"end":846.82,"confidence":0.9836765,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.01618378609418869},{"word":"after","start":846.82,"end":847.06,"confidence":0.7416884,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.040875278413295746},{"word":"we","start":847.06,"end":847.22003,"confidence":0.99572694,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.023482993245124817},{"word":"leave","start":847.22003,"end":847.38,"confidence":0.99763906,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.012368761003017426},{"word":"the","start":847.38,"end":847.54004,"confidence":0.9955558,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0029561221599578857},{"word":"home","start":847.54004,"end":847.78,"confidence":0.9992501,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.04833739250898361},{"word":"loan","start":847.78,"end":847.94,"confidence":0.9840261,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.008031122386455536},{"word":"there","start":847.94,"end":848.44,"confidence":0.9457923,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.04694021865725517},{"word":"and","start":849.3,"end":849.54004,"confidence":0.95453966,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07198474556207657},{"word":"the","start":849.54004,"end":849.7,"confidence":0.99899155,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07335952669382095},{"word":"main","start":849.7,"end":849.94,"confidence":0.9999248,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.12014202773571014},{"word":"reasons","start":849.94,"end":850.34,"confidence":0.9332278,"punctuated_word":"reasons","sentiment":"neutral","sentiment_score":0.05837588012218475},{"word":"we're","start":850.34,"end":850.58,"confidence":0.9750656,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1387157142162323},{"word":"we're","start":850.58,"end":850.74,"confidence":0.9969995,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1579674333333969},{"word":"thinking","start":850.74,"end":851.06,"confidence":0.9994572,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.1453341245651245},{"word":"about","start":851.06,"end":851.22003,"confidence":0.99947375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14553071558475494},{"word":"that","start":851.22003,"end":851.46,"confidence":0.9989808,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13089203834533691},{"word":"is","start":851.46,"end":851.62,"confidence":0.99935514,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12002547830343246},{"word":"because","start":851.62,"end":851.94,"confidence":0.997733,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08018283545970917},{"word":"we're","start":851.94,"end":852.18,"confidence":0.98416644,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10531824827194214},{"word":"looking","start":852.18,"end":852.5,"confidence":0.99935037,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.12441368401050568},{"word":"at","start":852.5,"end":852.66003,"confidence":0.98974013,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.107949361205101},{"word":"buying","start":852.66003,"end":852.9,"confidence":0.999471,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.16757845878601074},{"word":"a","start":852.9,"end":853.06,"confidence":0.99808383,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19932794570922852},{"word":"motor","start":853.06,"end":853.38,"confidence":0.9925029,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.18624332547187805},{"word":"home","start":853.38,"end":853.78,"confidence":0.8248881,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.1761227250099182},{"word":"and","start":853.78,"end":854.02,"confidence":0.9969024,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21331605315208435},{"word":"traveling","start":854.02,"end":854.52,"confidence":0.9476129,"punctuated_word":"traveling.","sentiment":"neutral","sentiment_score":0.18001659214496613},{"word":"doing","start":854.58,"end":854.82,"confidence":0.48688167,"punctuated_word":"Doing","sentiment":"neutral","sentiment_score":0.16484156250953674},{"word":"a","start":854.82,"end":854.9,"confidence":0.59338284,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17386820912361145},{"word":"lot","start":854.9,"end":855.14,"confidence":0.9955314,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.15575280785560608},{"word":"of","start":855.14,"end":855.3,"confidence":0.9021531,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1381148397922516},{"word":"australia","start":855.3,"end":855.8,"confidence":0.91717577,"punctuated_word":"Australia.","sentiment":"neutral","sentiment_score":0.12172987312078476},{"word":"so","start":857.185,"end":857.685,"confidence":0.98943347,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24860256910324097},{"word":"which","start":857.985,"end":858.225,"confidence":0.99904865,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.30254486203193665},{"word":"helps","start":858.225,"end":858.625,"confidence":0.91550857,"punctuated_word":"helps","sentiment":"neutral","sentiment_score":0.2750547230243683},{"word":"us","start":858.625,"end":858.70496,"confidence":0.79140687,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.27244675159454346},{"word":"if","start":858.70496,"end":858.865,"confidence":0.83412075,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2969778776168823},{"word":"we're","start":858.865,"end":859.105,"confidence":0.99429953,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1821221560239792},{"word":"working","start":859.105,"end":859.50494,"confidence":0.99884075,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.19380642473697665},{"word":"50%","start":859.50494,"end":860.38495,"confidence":0.970929,"punctuated_word":"50%.","sentiment":"neutral","sentiment_score":0.18183718621730804},{"word":"so","start":860.38495,"end":860.88495,"confidence":0.99724233,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05809433758258819},{"word":"i","start":861.105,"end":861.185,"confidence":0.47399828,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03913959860801697},{"word":"was","start":861.185,"end":861.345,"confidence":0.963955,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.033777300268411636},{"word":"sort","start":861.345,"end":861.58496,"confidence":0.964818,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.07279269397258759},{"word":"of","start":861.58496,"end":861.745,"confidence":0.9455221,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.027259111404418945},{"word":"trying","start":861.745,"end":862.065,"confidence":0.99764913,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.11386577785015106},{"word":"to","start":862.065,"end":862.305,"confidence":0.9994783,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11092104017734528},{"word":"decide","start":862.305,"end":862.70496,"confidence":0.9996842,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":-0.18526241183280945},{"word":"what","start":862.70496,"end":863.02496,"confidence":0.9996439,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.27414700388908386},{"word":"the","start":863.02496,"end":863.26495,"confidence":0.9579448,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25396040081977844},{"word":"better","start":863.26495,"end":863.76495,"confidence":0.9975973,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.1762397140264511},{"word":"approach","start":864.545,"end":865.045,"confidence":0.99969316,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":-0.13196460902690887},{"word":"is","start":865.345,"end":865.665,"confidence":0.9928449,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08720037341117859},{"word":"there","start":865.665,"end":866.165,"confidence":0.9747186,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03258877992630005},{"word":"yeah","start":880.48,"end":880.8,"confidence":0.97836685,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03988270461559296},{"word":"well","start":880.8,"end":880.96,"confidence":0.7827985,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.020602712407708168},{"word":"that's","start":880.96,"end":881.12,"confidence":0.9936595,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.025939881801605225},{"word":"the","start":881.12,"end":881.28,"confidence":0.97949135,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.032969553023576736},{"word":"thing","start":881.28,"end":881.44,"confidence":0.9991001,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.044722773134708405},{"word":"with","start":881.44,"end":881.60004,"confidence":0.7174028,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.01285429671406746},{"word":"we'll","start":881.76,"end":881.92,"confidence":0.6065502,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.04243176430463791},{"word":"have","start":881.92,"end":882.16003,"confidence":0.99625105,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0075426772236824036},{"word":"a","start":882.16003,"end":882.24,"confidence":0.9934203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04230713844299317},{"word":"100,000","start":882.24,"end":882.88,"confidence":0.99945784,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.09284957498311996},{"word":"left","start":882.88,"end":883.2,"confidence":0.6677571,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.04797326773405075},{"word":"over","start":883.2,"end":883.68,"confidence":0.9968388,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":0.05580860376358032},{"word":"we've","start":883.68,"end":883.92,"confidence":0.999524,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.0408857986330986},{"word":"probably","start":883.92,"end":884.24,"confidence":0.99881375,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.026137575507164},{"word":"got","start":884.24,"end":884.48,"confidence":0.9986071,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.01769612357020378},{"word":"a","start":884.48,"end":884.655,"confidence":0.975572,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05968422815203667},{"word":"$100,000","start":884.73505,"end":885.53503,"confidence":0.9801904,"punctuated_word":"$100,000","sentiment":"neutral","sentiment_score":0.1315191090106964},{"word":"of","start":885.53503,"end":885.61505,"confidence":0.94013864,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07105205953121185},{"word":"assets","start":885.61505,"end":885.85504,"confidence":0.9975581,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.05611391365528107},{"word":"we're","start":885.85504,"end":886.09503,"confidence":0.99201417,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.024128561839461327},{"word":"gonna","start":886.09503,"end":886.335,"confidence":0.9719436,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.043320685625076294},{"word":"sell","start":886.335,"end":886.835,"confidence":0.93400514,"punctuated_word":"sell.","sentiment":"neutral","sentiment_score":0.05287337303161621},{"word":"and","start":887.215,"end":887.375,"confidence":0.9666304,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02029883861541748},{"word":"then","start":887.375,"end":887.53503,"confidence":0.9945852,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.023053880780935287},{"word":"just","start":887.53503,"end":887.85504,"confidence":0.4579506,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.010580919682979584},{"word":"a","start":887.85504,"end":888.015,"confidence":0.7609719,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01801574230194092},{"word":"bit","start":888.015,"end":888.335,"confidence":0.9515786,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.02210824191570282},{"word":"of","start":888.335,"end":888.41504,"confidence":0.89115244,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.008992023766040802},{"word":"maybe","start":888.41504,"end":888.73505,"confidence":0.47689766,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.03182169795036316},{"word":"a","start":888.73505,"end":888.815,"confidence":0.9818646,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0009969621896743774},{"word":"bit","start":888.815,"end":888.97504,"confidence":0.997738,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.008013211190700531},{"word":"of","start":888.97504,"end":889.135,"confidence":0.9893344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01729971170425415},{"word":"change","start":889.135,"end":889.455,"confidence":0.90195954,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":-0.0009579434990882874},{"word":"we'll","start":889.455,"end":889.61505,"confidence":0.9971241,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.0283495020121336},{"word":"pull","start":889.61505,"end":889.775,"confidence":0.99878544,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.027218863368034363},{"word":"back","start":889.775,"end":890.015,"confidence":0.99515,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.017646029591560364},{"word":"out","start":890.015,"end":890.09503,"confidence":0.99644816,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.007253289222717285},{"word":"of","start":890.09503,"end":890.255,"confidence":0.99581194,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.020045146346092224},{"word":"the","start":890.255,"end":890.335,"confidence":0.90808344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02535637468099594},{"word":"home","start":890.335,"end":890.575,"confidence":0.9919813,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.0898595005273819},{"word":"loan","start":890.575,"end":890.895,"confidence":0.9753263,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.030347153544425964},{"word":"and","start":890.895,"end":891.395,"confidence":0.89736253,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00237853080034256},{"word":"only","start":891.455,"end":891.695,"confidence":0.91364324,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.01544816792011261},{"word":"have","start":891.695,"end":891.93506,"confidence":0.99422354,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0364769846200943},{"word":"50,000","start":891.93506,"end":892.575,"confidence":0.9975932,"punctuated_word":"50,000","sentiment":"neutral","sentiment_score":0.06890702992677689},{"word":"to","start":892.575,"end":892.655,"confidence":0.98994535,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.032309651374816895},{"word":"pay","start":892.655,"end":892.815,"confidence":0.97723335,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.010530561208724976},{"word":"off","start":892.815,"end":892.97504,"confidence":0.96597034,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.0022241026163101196},{"word":"the","start":892.97504,"end":893.05505,"confidence":0.9943177,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01433255523443222},{"word":"home","start":893.05505,"end":893.29504,"confidence":0.9993518,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.03587257117033005},{"word":"loan","start":893.29504,"end":893.455,"confidence":0.99627554,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.0264965295791626},{"word":"or","start":893.455,"end":893.61505,"confidence":0.99942327,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.041606269776821136},{"word":"something","start":893.61505,"end":894.11505,"confidence":0.94519246,"punctuated_word":"something,","sentiment":"neutral","sentiment_score":0.03401771932840347},{"word":"which","start":895.135,"end":895.375,"confidence":0.9987947,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.023015670478343964},{"word":"is","start":895.375,"end":895.455,"confidence":0.99890924,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04300367832183838},{"word":"why","start":895.455,"end":895.695,"confidence":0.99894804,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.052396319806575775},{"word":"we","start":895.695,"end":895.775,"confidence":0.9989073,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11228366196155548},{"word":"haven't","start":895.775,"end":896.015,"confidence":0.9742819,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.1423777937889099},{"word":"closed","start":896.015,"end":896.255,"confidence":0.99512047,"punctuated_word":"closed","sentiment":"neutral","sentiment_score":-0.22589340806007385},{"word":"it","start":896.255,"end":896.41504,"confidence":0.97737676,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.18934430181980133},{"word":"down","start":896.41504,"end":896.655,"confidence":0.9939196,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.1254994571208954},{"word":"yet","start":896.655,"end":896.73505,"confidence":0.9993906,"punctuated_word":"yet","sentiment":"neutral","sentiment_score":-0.1994442343711853},{"word":"because","start":896.73505,"end":897.23505,"confidence":0.8237267,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09532897919416428},{"word":"home","start":897.375,"end":897.53503,"confidence":0.5020153,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.101865753531456},{"word":"loan","start":897.53503,"end":897.695,"confidence":0.980185,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.08627836406230927},{"word":"rate's","start":897.695,"end":898.015,"confidence":0.65676415,"punctuated_word":"rate's","sentiment":"neutral","sentiment_score":-0.13331303000450134},{"word":"better","start":898.015,"end":898.255,"confidence":0.99927336,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.16398993134498596},{"word":"than","start":898.255,"end":898.755,"confidence":0.99931705,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.2301081418991089},{"word":"car","start":898.895,"end":899.135,"confidence":0.9861617,"punctuated_word":"car","sentiment":"neutral","sentiment_score":-0.25923454761505127},{"word":"loan","start":899.135,"end":899.375,"confidence":0.9960173,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.19968891143798828},{"word":"rates","start":899.375,"end":899.76,"confidence":0.99467146,"punctuated_word":"rates.","sentiment":"neutral","sentiment_score":-0.13557341694831848},{"word":"so","start":899.76,"end":899.92,"confidence":0.988255,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0025406554341316223},{"word":"what","start":899.92,"end":900.08,"confidence":0.6780056,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03233777731657028},{"word":"we","start":900.08,"end":900.16003,"confidence":0.94412166,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.007324732840061188},{"word":"were","start":900.16003,"end":900.24,"confidence":0.9107505,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.05735505372285843},{"word":"thinking","start":900.24,"end":900.64,"confidence":0.9993892,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.05290490388870239},{"word":"is","start":900.64,"end":900.88,"confidence":0.6024383,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06410540640354156},{"word":"that","start":900.88,"end":901.12,"confidence":0.9870903,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.028614848852157593},{"word":"that","start":901.12,"end":901.36,"confidence":0.8974557,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.027989625930786133},{"word":"what","start":901.36,"end":901.52,"confidence":0.97029567,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0996042937040329},{"word":"we","start":901.52,"end":901.68,"confidence":0.9991873,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.030561059713363647},{"word":"should","start":901.68,"end":901.92,"confidence":0.9995604,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.06274887919425964},{"word":"with","start":902.0,"end":902.24,"confidence":0.45463896,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.10724730789661407},{"word":"a","start":902.24,"end":902.32,"confidence":0.9527537,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09158691763877869},{"word":"better","start":902.32,"end":902.56,"confidence":0.9997347,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.13679899275302887},{"word":"idea","start":902.56,"end":902.96,"confidence":0.99845195,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":-0.0015254467725753784},{"word":"then","start":902.96,"end":903.36,"confidence":0.4435624,"punctuated_word":"then?","sentiment":"neutral","sentiment_score":0.04576460272073746},{"word":"yes","start":903.36,"end":903.86,"confidence":0.80777144,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.04744398593902588},{"word":"yeah","start":925.4,"end":925.9,"confidence":0.9852276,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15582096576690674},{"word":"yeah","start":931.0,"end":931.5,"confidence":0.82284003,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2871279716491699},{"word":"okay","start":932.52,"end":933.02,"confidence":0.97610307,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3425159752368927},{"word":"yep","start":988.57,"end":989.07,"confidence":0.95355093,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.04740404710173607},{"word":"okay","start":995.53,"end":995.895,"confidence":0.9905952,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.031700409948825836},{"word":"yes","start":1001.255,"end":1001.73505,"confidence":0.80870855,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10077840089797974},{"word":"yeah","start":1001.73505,"end":1002.23505,"confidence":0.9234392,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08858285844326019},{"word":"yeah","start":1031.605,"end":1032.005,"confidence":0.7698078,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.001856902614235878},{"word":"so","start":1032.005,"end":1032.165,"confidence":0.9956448,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.007576990872621536},{"word":"we","start":1032.165,"end":1032.325,"confidence":0.83099526,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.00530494749546051},{"word":"still","start":1032.325,"end":1032.645,"confidence":0.62198997,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.001276303082704544},{"word":"have","start":1032.645,"end":1032.965,"confidence":0.99904436,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.005466096103191376},{"word":"the","start":1032.965,"end":1033.205,"confidence":0.98664594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00371389277279377},{"word":"home","start":1033.205,"end":1033.525,"confidence":0.9596421,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.006993848830461502},{"word":"loan","start":1033.525,"end":1034.025,"confidence":0.9770683,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":-0.0007796566933393478},{"word":"at","start":1035.125,"end":1035.285,"confidence":0.9130855,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.014962071552872658},{"word":"the","start":1035.285,"end":1035.525,"confidence":0.992057,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005859896540641785},{"word":"at","start":1035.525,"end":1035.765,"confidence":0.99503136,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.025643428787589073},{"word":"the","start":1035.765,"end":1035.925,"confidence":0.9997644,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01605885475873947},{"word":"moment","start":1035.925,"end":1036.245,"confidence":0.98609686,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.018128138035535812},{"word":"we've","start":1036.245,"end":1036.485,"confidence":0.99955845,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.0127987340092659},{"word":"got","start":1036.485,"end":1036.8,"confidence":0.9999019,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.02877773903310299},{"word":"a","start":1036.88,"end":1036.9601,"confidence":0.5355256,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01324021816253662},{"word":"193,000","start":1036.9601,"end":1038.0801,"confidence":0.90434873,"punctuated_word":"193,000.","sentiment":"neutral","sentiment_score":-0.009400101378560066},{"word":"we","start":1038.0801,"end":1038.16,"confidence":0.90140194,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.03388245403766632},{"word":"only","start":1038.16,"end":1038.4801,"confidence":0.99452025,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.039077892899513245},{"word":"pay","start":1038.4801,"end":1038.8,"confidence":0.88321894,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.05721963942050934},{"word":"320","start":1038.8,"end":1039.76,"confidence":0.9973632,"punctuated_word":"320","sentiment":"neutral","sentiment_score":-0.02883893251419067},{"word":"a","start":1039.76,"end":1039.8401,"confidence":0.9905674,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03671133518218994},{"word":"month","start":1039.8401,"end":1040.0,"confidence":0.9736192,"punctuated_word":"month,","sentiment":"neutral","sentiment_score":-0.03528682142496109},{"word":"which","start":1040.0,"end":1040.24,"confidence":0.99967885,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.02545483410358429},{"word":"is","start":1040.24,"end":1040.4,"confidence":0.9957467,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.013547135517001152},{"word":"which","start":1040.56,"end":1040.64,"confidence":0.8937505,"punctuated_word":"Which","sentiment":"neutral","sentiment_score":-0.012951670214533806},{"word":"is","start":1040.64,"end":1040.72,"confidence":0.9878879,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03087490424513817},{"word":"because","start":1040.88,"end":1041.3601,"confidence":0.48246986,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.02991534397006035},{"word":"there's","start":1041.3601,"end":1041.6001,"confidence":0.9890176,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.06699543446302414},{"word":"no","start":1041.6001,"end":1041.8401,"confidence":0.9964031,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.11300796270370483},{"word":"no","start":1041.8401,"end":1042.0801,"confidence":0.9491843,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.123840793967247},{"word":"interest","start":1042.0801,"end":1042.4801,"confidence":0.97678566,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":-0.12909141182899475},{"word":"we","start":1042.4801,"end":1042.64,"confidence":0.9552611,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.03654729574918747},{"word":"still","start":1042.64,"end":1042.88,"confidence":0.97251207,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.00996958464384079},{"word":"pay","start":1042.88,"end":1043.38,"confidence":0.9989197,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.045851871371269226},{"word":"a","start":1043.4401,"end":1043.6001,"confidence":0.9827367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01214953139424324},{"word":"a","start":1043.6001,"end":1043.68,"confidence":0.6864931,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.007049309089779854},{"word":"monthly","start":1043.68,"end":1043.92,"confidence":0.9744377,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":-0.008871078491210938},{"word":"payment","start":1043.92,"end":1044.3201,"confidence":0.9774745,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":-0.025742534548044205},{"word":"because","start":1044.3201,"end":1044.56,"confidence":0.33091602,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.016290120780467987},{"word":"they","start":1044.56,"end":1044.64,"confidence":0.79198927,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.019844643771648407},{"word":"make","start":1044.64,"end":1044.8,"confidence":0.85154355,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.014811836183071136},{"word":"you","start":1044.8,"end":1044.88,"confidence":0.80173063,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012625157833099363},{"word":"pay","start":1044.88,"end":1045.0,"confidence":0.98755103,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.041715461760759354},{"word":"a","start":1045.0,"end":1045.12,"confidence":0.9900017,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04172608256340027},{"word":"payment","start":1045.12,"end":1045.62,"confidence":0.88541436,"punctuated_word":"payment.","sentiment":"neutral","sentiment_score":-0.04404374957084656},{"word":"but","start":1046.3201,"end":1046.7201,"confidence":0.99560463,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.005942251533269882},{"word":"yeah","start":1046.8,"end":1047.04,"confidence":0.9618933,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.017850076779723167},{"word":"so","start":1047.04,"end":1047.2001,"confidence":0.9993832,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.021180208772420883},{"word":"that'd","start":1047.2001,"end":1047.52,"confidence":0.7588155,"punctuated_word":"that'd","sentiment":"neutral","sentiment_score":0.026529446244239807},{"word":"be","start":1047.52,"end":1047.68,"confidence":0.99769247,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.015037227421998978},{"word":"sort","start":1047.68,"end":1048.0,"confidence":0.99795437,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.00012229755520820618},{"word":"of","start":1048.0,"end":1048.5,"confidence":0.98638785,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012846998870372772},{"word":"similar","start":1048.64,"end":1048.9601,"confidence":0.73395383,"punctuated_word":"similar,","sentiment":"neutral","sentiment_score":0.011138278990983965},{"word":"but","start":1048.9601,"end":1049.12,"confidence":0.9733112,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02387337014079094},{"word":"we'd","start":1049.12,"end":1049.28,"confidence":0.59949154,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.02384397014975548},{"word":"have","start":1049.28,"end":1049.4401,"confidence":0.9279462,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.011252254247665404},{"word":"that","start":1049.4401,"end":1049.6001,"confidence":0.49364877,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0248851515352726},{"word":"little","start":1049.6001,"end":1049.92,"confidence":0.81006926,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.027929823845624924},{"word":"bit","start":1049.92,"end":1050.0801,"confidence":0.996366,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.007355939596891403},{"word":"of","start":1050.0801,"end":1050.16,"confidence":0.9827466,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.003596290946006775},{"word":"interest","start":1050.16,"end":1050.495,"confidence":0.9905917,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.0025541558861732483},{"word":"for","start":1050.975,"end":1051.295,"confidence":0.6830463,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.007615730166435242},{"word":"yes","start":1051.455,"end":1051.695,"confidence":0.81017923,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.02761298045516014},{"word":"$50","start":1051.775,"end":1052.335,"confidence":0.99669516,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":0.02944108657538891},{"word":"or","start":1052.335,"end":1052.495,"confidence":0.99880743,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03471006453037262},{"word":"something","start":1052.495,"end":1052.735,"confidence":0.9994821,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.019164931029081345},{"word":"that","start":1052.735,"end":1052.815,"confidence":0.9987943,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029712963849306107},{"word":"we","start":1052.815,"end":1052.895,"confidence":0.9973168,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04458870738744736},{"word":"pull","start":1052.895,"end":1053.135,"confidence":0.8644043,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.040930863469839096},{"word":"out","start":1053.135,"end":1053.215,"confidence":0.97859794,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.020517803728580475},{"word":"for","start":1053.215,"end":1053.455,"confidence":0.9867098,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.018106449395418167},{"word":"the","start":1053.455,"end":1053.695,"confidence":0.7640886,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030273400247097015},{"word":"the","start":1053.695,"end":1053.855,"confidence":0.9694621,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02869008667767048},{"word":"home","start":1053.855,"end":1054.175,"confidence":0.9929189,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.025160327553749084},{"word":"loan","start":1054.175,"end":1054.675,"confidence":0.899364,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":0.0350981280207634},{"word":"the","start":1054.815,"end":1055.055,"confidence":0.7301725,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.021668024361133575},{"word":"motorhome","start":1055.375,"end":1055.875,"confidence":0.63133544,"punctuated_word":"Motorhome.","sentiment":"neutral","sentiment_score":0.021384960040450096},{"word":"motorhome","start":1056.015,"end":1056.515,"confidence":0.8573165,"punctuated_word":"Motorhome.","sentiment":"neutral","sentiment_score":0.022707877680659298},{"word":"yeah","start":1061.615,"end":1062.115,"confidence":0.8558028,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.003700058907270431},{"word":"well","start":1062.575,"end":1063.075,"confidence":0.97690934,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.00961385853588581},{"word":"i","start":1063.6799,"end":1063.84,"confidence":0.99814236,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0207293014973402},{"word":"think","start":1063.84,"end":1064.08,"confidence":0.72179633,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.024717409163713455},{"word":"the","start":1064.08,"end":1064.32,"confidence":0.8917433,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03184431046247482},{"word":"because","start":1064.48,"end":1064.72,"confidence":0.9812432,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.027079593390226364},{"word":"we're","start":1064.72,"end":1064.96,"confidence":0.98738766,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.03278767317533493},{"word":"looking","start":1064.96,"end":1065.2,"confidence":0.9995951,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.030239367857575417},{"word":"at","start":1065.2,"end":1065.2799,"confidence":0.9985084,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03227800130844116},{"word":"a","start":1065.2799,"end":1065.36,"confidence":0.99781054,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.020514102652668953},{"word":"brand","start":1065.36,"end":1065.6799,"confidence":0.9994943,"punctuated_word":"brand","sentiment":"neutral","sentiment_score":-0.023125486448407173},{"word":"new","start":1065.6799,"end":1065.7599,"confidence":0.9990369,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.021731458604335785},{"word":"one","start":1065.7599,"end":1065.9199,"confidence":0.8050567,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.024838780984282497},{"word":"well","start":1065.9199,"end":1066.08,"confidence":0.94860053,"punctuated_word":"Well","sentiment":"neutral","sentiment_score":0.019814133644104004},{"word":"well","start":1066.08,"end":1066.24,"confidence":0.80885065,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.05153518170118332},{"word":"we're","start":1066.24,"end":1066.32,"confidence":0.9930012,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.04830039292573929},{"word":"looking","start":1066.32,"end":1066.5599,"confidence":0.99276686,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.041925519704818726},{"word":"at","start":1066.5599,"end":1066.72,"confidence":0.9846607,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03430244326591492},{"word":"a","start":1066.72,"end":1066.8799,"confidence":0.6212367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03911742568016052},{"word":"very","start":1066.8799,"end":1067.2,"confidence":0.86915946,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.03528472036123276},{"word":"close","start":1067.2,"end":1067.44,"confidence":0.9982862,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.04142966493964195},{"word":"to","start":1067.44,"end":1067.6,"confidence":0.9942194,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04345234856009483},{"word":"new","start":1067.6,"end":1067.7599,"confidence":0.7903149,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.017496593296527863},{"word":"one","start":1067.7599,"end":1067.9199,"confidence":0.8103117,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.02718808874487877},{"word":"so","start":1067.9199,"end":1068.08,"confidence":0.9993742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0386352613568306},{"word":"it's","start":1068.08,"end":1068.24,"confidence":0.9977429,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0442066565155983},{"word":"probably","start":1068.24,"end":1068.48,"confidence":0.99924916,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.04942719265818596},{"word":"around","start":1068.48,"end":1068.72,"confidence":0.98605055,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.05417519062757492},{"word":"about","start":1068.72,"end":1068.96,"confidence":0.9959512,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04496508836746216},{"word":"$250","start":1068.96,"end":1069.9199,"confidence":0.9947811,"punctuated_word":"$250,","sentiment":"neutral","sentiment_score":0.05745141580700874},{"word":"which","start":1069.9199,"end":1070.1599,"confidence":0.9998932,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.05880587175488472},{"word":"means","start":1070.1599,"end":1070.3999,"confidence":0.99903417,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.03643758222460747},{"word":"we'll","start":1070.3999,"end":1070.72,"confidence":0.98397326,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.06620240211486816},{"word":"we'll","start":1070.72,"end":1070.8799,"confidence":0.77261865,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.05705133080482483},{"word":"use","start":1070.8799,"end":1071.12,"confidence":0.98745525,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.06450994312763214},{"word":"a","start":1071.12,"end":1071.2,"confidence":0.97161275,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.067624032497406},{"word":"100","start":1071.2,"end":1071.44,"confidence":0.99924123,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.057667557150125504},{"word":"of","start":1071.44,"end":1071.6,"confidence":0.99904853,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04471828043460846},{"word":"the","start":1071.6,"end":1071.6799,"confidence":0.99909115,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05516571551561355},{"word":"offset","start":1071.6799,"end":1072.1799,"confidence":0.991955,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.02813698723912239},{"word":"money","start":1072.48,"end":1072.7999,"confidence":0.98249245,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.02457237988710403},{"word":"that","start":1072.7999,"end":1072.96,"confidence":0.9236087,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04861560836434364},{"word":"was","start":1072.96,"end":1073.12,"confidence":0.62545675,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.02786530926823616},{"word":"got","start":1073.12,"end":1073.2799,"confidence":0.33674684,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.022569987922906876},{"word":"left","start":1073.2799,"end":1073.6,"confidence":0.69631964,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.024457048624753952},{"word":"over","start":1073.6,"end":1074.0,"confidence":0.9362171,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":0.020956430584192276},{"word":"we","start":1074.0,"end":1074.1599,"confidence":0.9983804,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.02721492573618889},{"word":"use","start":1074.1599,"end":1074.3999,"confidence":0.9280289,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.05734150856733322},{"word":"a","start":1074.3999,"end":1074.48,"confidence":0.98773426,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06345163285732269},{"word":"100","start":1074.48,"end":1074.7999,"confidence":0.99957186,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.06643137335777283},{"word":"of","start":1074.7999,"end":1074.96,"confidence":0.99813676,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05341285839676857},{"word":"our","start":1074.96,"end":1075.12,"confidence":0.99399006,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.04163544252514839},{"word":"assets","start":1075.12,"end":1075.44,"confidence":0.99738055,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.04810129106044769},{"word":"that","start":1075.44,"end":1075.5199,"confidence":0.98695326,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.048774972558021545},{"word":"we","start":1075.5199,"end":1075.6799,"confidence":0.9995497,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01932697370648384},{"word":"gotta","start":1075.6799,"end":1076.0,"confidence":0.73944986,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.023001421242952347},{"word":"sell","start":1076.0,"end":1076.475,"confidence":0.97675014,"punctuated_word":"sell,","sentiment":"neutral","sentiment_score":0.024934574961662292},{"word":"and","start":1076.715,"end":1076.875,"confidence":0.9997998,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03692322224378586},{"word":"we'll","start":1076.875,"end":1076.955,"confidence":0.831922,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.04111345112323761},{"word":"use","start":1076.955,"end":1077.355,"confidence":0.99842983,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.04779328778386116},{"word":"50","start":1077.355,"end":1077.6749,"confidence":0.9987764,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.041455820202827454},{"word":"of","start":1077.6749,"end":1077.9149,"confidence":0.99741036,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03944035619497299},{"word":"the","start":1077.9149,"end":1078.155,"confidence":0.98959714,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03788880631327629},{"word":"home","start":1078.155,"end":1078.395,"confidence":0.99420774,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.005518138408660889},{"word":"loan","start":1078.395,"end":1078.895,"confidence":0.95711553,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":0.04468000680208206},{"word":"and","start":1080.475,"end":1080.635,"confidence":0.9958074,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13279516994953156},{"word":"then","start":1080.635,"end":1080.715,"confidence":0.9947402,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.17822760343551636},{"word":"we","start":1080.715,"end":1080.875,"confidence":0.9958366,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14719460904598236},{"word":"still","start":1080.875,"end":1081.115,"confidence":0.8692252,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.13999170064926147},{"word":"got","start":1081.115,"end":1081.275,"confidence":0.96278745,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1436171680688858},{"word":"a","start":1081.275,"end":1081.355,"confidence":0.97030365,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13780798017978668},{"word":"$250,000","start":1081.355,"end":1082.635,"confidence":0.9211162,"punctuated_word":"$250,000","sentiment":"neutral","sentiment_score":0.08260676264762878},{"word":"asset","start":1082.635,"end":1082.955,"confidence":0.59165436,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.07078009098768234},{"word":"as","start":1082.955,"end":1083.195,"confidence":0.9989008,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06730860471725464},{"word":"well","start":1083.195,"end":1083.695,"confidence":0.9998331,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.059507355093955994},{"word":"in","start":1085.035,"end":1085.195,"confidence":0.45308453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02288895659148693},{"word":"the","start":1085.195,"end":1085.355,"confidence":0.9909174,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030432119965553284},{"word":"motor","start":1085.355,"end":1085.6749,"confidence":0.9168094,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.02732069045305252},{"word":"home","start":1085.6749,"end":1085.9149,"confidence":0.76938224,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":0.03182929381728172},{"word":"yep","start":1085.9149,"end":1086.4149,"confidence":0.88403964,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.051545899361371994},{"word":"the","start":1096.58,"end":1096.82,"confidence":0.9902474,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.03105541691184044},{"word":"the","start":1096.82,"end":1096.94,"confidence":0.9719695,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03737408667802811},{"word":"sorry","start":1097.0599,"end":1097.46,"confidence":0.96569824,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.03229174762964249},{"word":"the","start":1097.46,"end":1097.94,"confidence":0.9854909,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.03617119416594505},{"word":"the","start":1097.94,"end":1098.1799,"confidence":0.598726,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03286219388246536},{"word":"assets","start":1098.26,"end":1098.74,"confidence":0.4647761,"punctuated_word":"Assets","sentiment":"neutral","sentiment_score":-0.046204131096601486},{"word":"out","start":1098.74,"end":1098.9,"confidence":0.3642462,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.023417768999934196},{"word":"no","start":1098.9,"end":1099.14,"confidence":0.98334956,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06954382359981537},{"word":"that's","start":1099.14,"end":1099.38,"confidence":0.9956598,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.06508743762969971},{"word":"actually","start":1099.38,"end":1099.88,"confidence":0.99222434,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.0684908851981163},{"word":"i've","start":1100.34,"end":1100.58,"confidence":0.75299215,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.06383403390645981},{"word":"got","start":1100.58,"end":1100.74,"confidence":0.6111186,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.04959713667631149},{"word":"a","start":1100.74,"end":1100.82,"confidence":0.99787617,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04505019634962082},{"word":"new","start":1100.82,"end":1101.0599,"confidence":0.9984359,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.050404079258441925},{"word":"car","start":1101.0599,"end":1101.5599,"confidence":0.95080656,"punctuated_word":"car,","sentiment":"neutral","sentiment_score":-0.032213009893894196},{"word":"but","start":1102.74,"end":1102.98,"confidence":0.9984479,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05679816007614136},{"word":"i","start":1102.98,"end":1103.14,"confidence":0.99960023,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08683551102876663},{"word":"haven't","start":1103.14,"end":1103.38,"confidence":0.99988794,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.06683753430843353},{"word":"sold","start":1103.38,"end":1103.62,"confidence":0.9942027,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":-0.061628665775060654},{"word":"the","start":1103.62,"end":1103.78,"confidence":0.9113293,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05606703460216522},{"word":"tesla","start":1103.78,"end":1104.28,"confidence":0.9370162,"punctuated_word":"Tesla.","sentiment":"neutral","sentiment_score":-0.0526626780629158},{"word":"and","start":1104.74,"end":1105.24,"confidence":0.9766043,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.021298261359333992},{"word":"and","start":1106.625,"end":1106.9451,"confidence":0.9980428,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0005825422704219818},{"word":"an","start":1106.9451,"end":1107.185,"confidence":0.9671832,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.002223886549472809},{"word":"agreement","start":1107.185,"end":1107.685,"confidence":0.99970704,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":-0.0027671046555042267},{"word":"when","start":1107.745,"end":1107.985,"confidence":0.96494174,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.01033347100019455},{"word":"we","start":1107.985,"end":1108.0651,"confidence":0.9997584,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01217351108789444},{"word":"get","start":1108.0651,"end":1108.305,"confidence":0.99947065,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.01075965166091919},{"word":"the","start":1108.305,"end":1108.385,"confidence":0.99867505,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014967717230319977},{"word":"motor","start":1108.385,"end":1108.7051,"confidence":0.9747506,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.01825258508324623},{"word":"home","start":1108.7051,"end":1108.865,"confidence":0.74389976,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.009533161297440527},{"word":"is","start":1108.865,"end":1109.025,"confidence":0.98128927,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.013584353029727936},{"word":"that","start":1109.025,"end":1109.105,"confidence":0.9958411,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01243669167160988},{"word":"they're","start":1109.105,"end":1109.265,"confidence":0.831102,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.0034228588920086622},{"word":"selling","start":1109.265,"end":1109.505,"confidence":0.9996126,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.012769624590873718},{"word":"the","start":1109.505,"end":1109.665,"confidence":0.99617445,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0062993429601192474},{"word":"jet","start":1109.665,"end":1109.905,"confidence":0.7562806,"punctuated_word":"jet","sentiment":"neutral","sentiment_score":-0.018916774541139603},{"word":"skis","start":1109.905,"end":1110.405,"confidence":0.89787036,"punctuated_word":"skis.","sentiment":"neutral","sentiment_score":-0.00277857854962349},{"word":"so","start":1110.785,"end":1111.105,"confidence":0.9005121,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.014623546972870828},{"word":"the","start":1111.105,"end":1111.265,"confidence":0.8527776,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015221364796161652},{"word":"two","start":1111.265,"end":1111.505,"confidence":0.9455994,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.018878629431128505},{"word":"jet","start":1111.505,"end":1111.745,"confidence":0.99398863,"punctuated_word":"jet","sentiment":"neutral","sentiment_score":0.004938215017318726},{"word":"skis","start":1111.745,"end":1112.0651,"confidence":0.9995781,"punctuated_word":"skis","sentiment":"neutral","sentiment_score":0.015071657486259936},{"word":"and","start":1112.0651,"end":1112.305,"confidence":0.99195147,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.015084534883499146},{"word":"the","start":1112.305,"end":1112.545,"confidence":0.99739,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027513554319739345},{"word":"trailer","start":1112.545,"end":1113.025,"confidence":0.9667008,"punctuated_word":"trailer.","sentiment":"neutral","sentiment_score":0.01456373743712902},{"word":"so","start":1113.025,"end":1113.2251,"confidence":0.9881125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01068855170160532},{"word":"jet","start":1113.425,"end":1113.665,"confidence":0.5647711,"punctuated_word":"Jet","sentiment":"neutral","sentiment_score":0.0028810761868953705},{"word":"skis","start":1113.665,"end":1113.825,"confidence":0.90960044,"punctuated_word":"skis.","sentiment":"neutral","sentiment_score":0.014425821602344511},{"word":"we","start":1113.985,"end":1114.145,"confidence":0.8293785,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.023037342354655262},{"word":"estimate","start":1114.145,"end":1114.625,"confidence":0.9971852,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.024401159957051277},{"word":"them","start":1114.625,"end":1115.105,"confidence":0.7726292,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.017356283962726593},{"word":"all","start":1115.105,"end":1115.425,"confidence":0.9883676,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.012515824288129808},{"word":"joined","start":1115.425,"end":1115.8251,"confidence":0.7566219,"punctuated_word":"joined","sentiment":"neutral","sentiment_score":0.0066704098135232925},{"word":"together","start":1115.8251,"end":1116.305,"confidence":0.99990785,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.023233508691191673},{"word":"being","start":1116.305,"end":1116.625,"confidence":0.95045626,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.011495014652609823},{"word":"$100","start":1116.625,"end":1117.4451,"confidence":0.82792354,"punctuated_word":"$100.","sentiment":"neutral","sentiment_score":0.019368227571249008},{"word":"at","start":1117.505,"end":1117.665,"confidence":0.97682923,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.023657456040382385},{"word":"least","start":1117.665,"end":1118.01,"confidence":0.93540883,"punctuated_word":"least.","sentiment":"neutral","sentiment_score":0.04438620060682297},{"word":"yep","start":1118.5701,"end":1119.0701,"confidence":0.82391465,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12331747263669968},{"word":"yep","start":1119.29,"end":1119.79,"confidence":0.7825618,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23017606139183044},{"word":"yes","start":1122.25,"end":1122.75,"confidence":0.9978069,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1157240867614746},{"word":"yes","start":1125.53,"end":1126.03,"confidence":0.99480295,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03122609108686447},{"word":"a","start":1133.555,"end":1133.715,"confidence":0.6647111,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.0032713860273361206},{"word":"full","start":1133.715,"end":1133.955,"confidence":0.9121715,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.010673422366380692},{"word":"motor","start":1133.955,"end":1134.195,"confidence":0.9566112,"punctuated_word":"motor","sentiment":"neutral","sentiment_score":0.012627128511667252},{"word":"home","start":1134.195,"end":1134.435,"confidence":0.9272495,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.010667743161320686},{"word":"you","start":1134.435,"end":1134.595,"confidence":0.9071428,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005792656913399696},{"word":"drive","start":1134.595,"end":1134.835,"confidence":0.9970348,"punctuated_word":"drive","sentiment":"neutral","sentiment_score":0.008799594826996326},{"word":"around","start":1134.835,"end":1135.335,"confidence":0.88436866,"punctuated_word":"around.","sentiment":"neutral","sentiment_score":0.009065489284694197},{"word":"yeah","start":1135.715,"end":1136.215,"confidence":0.8071855,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06052540615200997},{"word":"no","start":1139.875,"end":1140.375,"confidence":0.99853677,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04703646898269653},{"word":"no","start":1140.595,"end":1141.095,"confidence":0.9982823,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.049837492406368256},{"word":"probably","start":1141.955,"end":1142.355,"confidence":0.99827564,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.0349000059068203},{"word":"just","start":1142.355,"end":1142.515,"confidence":0.9736048,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01572992280125618},{"word":"one","start":1142.515,"end":1142.675,"confidence":0.9856425,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.004469089210033417},{"word":"of","start":1142.675,"end":1142.835,"confidence":0.9499912,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.014415446668863297},{"word":"one","start":1142.835,"end":1142.995,"confidence":0.9192478,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.013932500034570694},{"word":"of","start":1142.995,"end":1143.075,"confidence":0.99917126,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.010354448109865189},{"word":"my","start":1143.075,"end":1143.235,"confidence":0.9993205,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.01247619092464447},{"word":"little","start":1143.235,"end":1143.395,"confidence":0.9965904,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.00300370529294014},{"word":"motorbikes","start":1143.395,"end":1143.875,"confidence":0.95542747,"punctuated_word":"motorbikes","sentiment":"neutral","sentiment_score":0.012425730936229227},{"word":"i'll","start":1143.875,"end":1144.035,"confidence":0.7263029,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.004043418914079666},{"word":"stick","start":1144.035,"end":1144.195,"confidence":0.99814606,"punctuated_word":"stick","sentiment":"neutral","sentiment_score":-0.00015912577509880066},{"word":"on","start":1144.195,"end":1144.355,"confidence":0.9989949,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.017715319991111755},{"word":"the","start":1144.355,"end":1144.435,"confidence":0.99815077,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018126051872968674},{"word":"back","start":1144.435,"end":1144.595,"confidence":0.9999291,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.030246637761592865},{"word":"of","start":1144.595,"end":1144.755,"confidence":0.99936086,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01529071480035782},{"word":"it","start":1144.755,"end":1145.255,"confidence":0.9984342,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.039712123572826385},{"word":"yeah","start":1148.4,"end":1148.9,"confidence":0.9939051,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.027403388172388077},{"word":"yeah","start":1151.68,"end":1152.18,"confidence":0.99760294,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013994771987199783},{"word":"but","start":1171.875,"end":1172.375,"confidence":0.72119707,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.011040453799068928},{"word":"you","start":1172.5149,"end":1172.6749,"confidence":0.59456795,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012755445204675198},{"word":"said","start":1172.6749,"end":1172.9149,"confidence":0.98932236,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.013493436388671398},{"word":"1.9","start":1172.9149,"end":1173.5549,"confidence":0.9860063,"punctuated_word":"1.9,","sentiment":"neutral","sentiment_score":-0.015122140757739544},{"word":"didn't","start":1173.5549,"end":1173.7949,"confidence":0.99895763,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.014767731539905071},{"word":"you","start":1173.7949,"end":1174.115,"confidence":0.9991003,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.010746151208877563},{"word":"i","start":1174.115,"end":1174.2749,"confidence":0.99796754,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02019747719168663},{"word":"thought","start":1174.2749,"end":1174.4349,"confidence":0.98968446,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.0150784682482481},{"word":"it","start":1174.4349,"end":1174.595,"confidence":0.985784,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.00960942544043064},{"word":"would","start":1174.595,"end":1174.7549,"confidence":0.9869322,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.009705078788101671},{"word":"be","start":1174.7549,"end":1175.1549,"confidence":0.9988355,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.01080766785889864},{"word":"about","start":1175.1549,"end":1175.3949,"confidence":0.9826453,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0076073408126831055},{"word":"1.92","start":1175.3949,"end":1176.355,"confidence":0.97734314,"punctuated_word":"1.92","sentiment":"neutral","sentiment_score":-0.0027317311614751816},{"word":"mil","start":1176.355,"end":1176.75,"confidence":0.9216995,"punctuated_word":"mil.","sentiment":"neutral","sentiment_score":-0.0005718721076846123},{"word":"yeah","start":1177.07,"end":1177.57,"confidence":0.764089,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02260148711502552},{"word":"yep","start":1182.19,"end":1182.59,"confidence":0.7050761,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01025718729943037},{"word":"two","start":1182.59,"end":1182.83,"confidence":0.7885327,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":0.01974286511540413},{"word":"is","start":1182.83,"end":1182.91,"confidence":0.66290337,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.046638816595077515},{"word":"fine","start":1182.91,"end":1183.39,"confidence":0.9776071,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.04308416694402695},{"word":"two","start":1183.39,"end":1183.63,"confidence":0.94095474,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":0.028011901304125782},{"word":"is","start":1183.63,"end":1183.79,"confidence":0.9376119,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04425736516714096},{"word":"fine","start":1183.79,"end":1184.03,"confidence":0.9930455,"punctuated_word":"fine,","sentiment":"neutral","sentiment_score":0.03792248293757439},{"word":"i","start":1184.03,"end":1184.19,"confidence":0.9998801,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022555463016033173},{"word":"think","start":1184.19,"end":1184.69,"confidence":0.9947209,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.04166156053543091},{"word":"yeah","start":1185.15,"end":1185.65,"confidence":0.99435776,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05918858200311661},{"word":"yes","start":1207.5599,"end":1207.7999,"confidence":0.8186015,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.024596918374300003},{"word":"and","start":1207.7999,"end":1207.96,"confidence":0.9965604,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.019059687852859497},{"word":"that's","start":1207.96,"end":1208.08,"confidence":0.9992008,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0182275865226984},{"word":"the","start":1208.08,"end":1208.2,"confidence":0.72758585,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013996177352964878},{"word":"one","start":1208.2,"end":1208.44,"confidence":0.99887747,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0215791929513216},{"word":"we're","start":1208.44,"end":1208.76,"confidence":0.99133384,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.01859800331294537},{"word":"going","start":1208.76,"end":1209.08,"confidence":0.9994899,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.004659500904381275},{"word":"to","start":1209.08,"end":1209.24,"confidence":0.99974304,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005237914621829987},{"word":"sell","start":1209.24,"end":1209.74,"confidence":0.9989109,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.0025009941309690475},{"word":"or","start":1209.96,"end":1210.2799,"confidence":0.783864,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.00127402413636446},{"word":"set","start":1210.2799,"end":1210.44,"confidence":0.77560645,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.006269621662795544},{"word":"trying","start":1210.52,"end":1210.84,"confidence":0.9988869,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.025284940376877785},{"word":"to","start":1210.84,"end":1211.0,"confidence":0.99969983,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02782367542386055},{"word":"sell","start":1211.0,"end":1211.5,"confidence":0.9967856,"punctuated_word":"sell.","sentiment":"neutral","sentiment_score":0.013093492016196253},{"word":"i've","start":1216.36,"end":1216.6,"confidence":0.98123,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.002518685068935156},{"word":"got","start":1216.6,"end":1216.76,"confidence":0.9907493,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0005280151963233948},{"word":"it","start":1216.76,"end":1216.9199,"confidence":0.96289706,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.003960197791457176},{"word":"actually","start":1216.9199,"end":1217.32,"confidence":0.9074354,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.0028490982949733734},{"word":"at","start":1217.32,"end":1217.5599,"confidence":0.9886258,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0006071869283914566},{"word":"55,000","start":1217.5599,"end":1218.52,"confidence":0.9985001,"punctuated_word":"55,000","sentiment":"neutral","sentiment_score":0.009391759522259235},{"word":"at","start":1218.52,"end":1218.6799,"confidence":0.99911493,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0006438996642827988},{"word":"the","start":1218.6799,"end":1218.84,"confidence":0.99973816,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0018549244850873947},{"word":"moment","start":1218.84,"end":1219.335,"confidence":0.99690497,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.012791270390152931},{"word":"outright","start":1224.695,"end":1225.195,"confidence":0.86832595,"punctuated_word":"Outright.","sentiment":"neutral","sentiment_score":-0.036394573748111725},{"word":"no","start":1225.255,"end":1225.495,"confidence":0.99799687,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.039081327617168427},{"word":"loans","start":1225.495,"end":1225.995,"confidence":0.98123544,"punctuated_word":"loans.","sentiment":"neutral","sentiment_score":-0.02586444281041622},{"word":"yep","start":1234.5349,"end":1235.0349,"confidence":0.9805237,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0781262218952179},{"word":"yes","start":1238.23,"end":1238.5499,"confidence":0.9926847,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.052489448338747025},{"word":"we","start":1238.5499,"end":1238.7899,"confidence":0.9994615,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.05638874322175979},{"word":"do","start":1238.7899,"end":1239.2899,"confidence":0.99947774,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.03806300833821297},{"word":"that's","start":1244.47,"end":1244.71,"confidence":0.82585746,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.007226751651614904},{"word":"85","start":1244.71,"end":1245.19,"confidence":0.5946232,"punctuated_word":"85?","sentiment":"neutral","sentiment_score":-0.00905559491366148},{"word":"what","start":1245.19,"end":1245.35,"confidence":0.47437805,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.016340328380465508},{"word":"have","start":1245.35,"end":1245.5099,"confidence":0.21212134,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01996980793774128},{"word":"we","start":1245.5099,"end":1245.59,"confidence":0.47814345,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.005472375079989433},{"word":"got","start":1245.59,"end":1245.75,"confidence":0.9422377,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.019235488027334213},{"word":"on","start":1245.75,"end":1245.83,"confidence":0.74503577,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.015765223652124405},{"word":"that","start":1245.83,"end":1246.07,"confidence":0.79753196,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.014013398438692091},{"word":"what","start":1246.07,"end":1246.23,"confidence":0.3332278,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.01329625118523836},{"word":"have","start":1246.23,"end":1246.47,"confidence":0.9591727,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.018857020884752274},{"word":"we","start":1246.47,"end":1246.6299,"confidence":0.9922455,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.00936448760330677},{"word":"got","start":1246.6299,"end":1246.7899,"confidence":0.9929387,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.016883045434951782},{"word":"on","start":1246.7899,"end":1246.87,"confidence":0.97782576,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01232627872377634},{"word":"that","start":1246.87,"end":1247.0299,"confidence":0.9978131,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01042176689952612},{"word":"for","start":1247.0299,"end":1247.2699,"confidence":0.9384725,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01496496330946684},{"word":"a","start":1247.2699,"end":1247.5074,"confidence":0.7411998,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.015883363783359528},{"word":"value","start":1247.5074,"end":1247.745,"confidence":0.97709024,"punctuated_word":"value?","sentiment":"neutral","sentiment_score":-0.016791217029094696},{"word":"yeah","start":1251.665,"end":1252.165,"confidence":0.99110216,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.026437908411026},{"word":"no","start":1257.905,"end":1258.145,"confidence":0.8455473,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06791092455387115},{"word":"there's","start":1258.145,"end":1258.385,"confidence":0.97969717,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.06418104469776154},{"word":"debt","start":1258.385,"end":1258.625,"confidence":0.775441,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.06968796253204346},{"word":"on","start":1258.625,"end":1258.785,"confidence":0.9996087,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06015387549996376},{"word":"that","start":1258.785,"end":1258.945,"confidence":0.99971217,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07100135833024979},{"word":"one","start":1258.945,"end":1259.445,"confidence":0.9513577,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.05646393448114395},{"word":"we","start":1262.5,"end":1263.0,"confidence":0.99631387,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.09549151360988616},{"word":"owed","start":1263.06,"end":1263.56,"confidence":0.4277538,"punctuated_word":"owed","sentiment":"neutral","sentiment_score":-0.08061633259057999},{"word":"currently","start":1263.9401,"end":1264.4401,"confidence":0.4375514,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.11647287011146544},{"word":"i'm","start":1264.9801,"end":1265.2201,"confidence":0.9948786,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14493969082832336},{"word":"on","start":1265.2201,"end":1265.38,"confidence":0.9991248,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.16668204963207245},{"word":"the","start":1265.38,"end":1265.4601,"confidence":0.99904174,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17312979698181152},{"word":"wrong","start":1265.4601,"end":1265.7001,"confidence":0.99773836,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.13901767134666443},{"word":"phone","start":1265.7001,"end":1265.8601,"confidence":0.9909435,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.13443736732006073},{"word":"again","start":1265.8601,"end":1266.3401,"confidence":0.9505613,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.16783377528190613},{"word":"got","start":1266.3401,"end":1266.66,"confidence":0.21489856,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":-0.1184515729546547},{"word":"my","start":1266.66,"end":1266.8201,"confidence":0.98903185,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.09017486125230788},{"word":"phone","start":1266.8201,"end":1267.14,"confidence":0.92183375,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":-0.08270743489265442},{"word":"gotta","start":1267.14,"end":1267.4601,"confidence":0.78524816,"punctuated_word":"Gotta","sentiment":"neutral","sentiment_score":-0.12301276624202728},{"word":"keep","start":1267.4601,"end":1267.62,"confidence":0.98987484,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.10258190333843233},{"word":"sorry","start":1269.38,"end":1269.88,"confidence":0.85223305,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.09582266211509705},{"word":"got","start":1270.02,"end":1270.26,"confidence":0.745136,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":-0.06722551584243774},{"word":"different","start":1270.26,"end":1270.66,"confidence":0.77597314,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.04383387789130211},{"word":"45","start":1271.3,"end":1271.9401,"confidence":0.74653375,"punctuated_word":"45.","sentiment":"neutral","sentiment_score":-0.046016618609428406},{"word":"it's","start":1271.9401,"end":1272.1001,"confidence":0.96542263,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.04668564721941948},{"word":"a","start":1272.1001,"end":1272.26,"confidence":0.78058404,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.045730963349342346},{"word":"third","start":1272.26,"end":1272.5,"confidence":0.97008836,"punctuated_word":"third","sentiment":"neutral","sentiment_score":-0.050259269773960114},{"word":"of","start":1272.5,"end":1272.66,"confidence":0.99223584,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05184584856033325},{"word":"it","start":1272.66,"end":1272.8201,"confidence":0.93220425,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.058344632387161255},{"word":"so","start":1272.8201,"end":1272.98,"confidence":0.94802654,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04326894506812096},{"word":"i","start":1273.14,"end":1273.2201,"confidence":0.6927529,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.031056903302669525},{"word":"$50.50","start":1273.38,"end":1274.2001,"confidence":0.7108393,"punctuated_word":"$50.50.","sentiment":"neutral","sentiment_score":-0.03507281467318535},{"word":"i","start":1274.515,"end":1274.6749,"confidence":0.9989159,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0398268923163414},{"word":"think","start":1274.6749,"end":1274.755,"confidence":0.999629,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.030790992081165314},{"word":"it's","start":1274.755,"end":1274.835,"confidence":0.9967778,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.030131861567497253},{"word":"43,000","start":1274.835,"end":1275.7949,"confidence":0.9965536,"punctuated_word":"43,000.","sentiment":"neutral","sentiment_score":-0.03380671888589859},{"word":"yeah","start":1275.7949,"end":1275.955,"confidence":0.99361604,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.024115288630127907},{"word":"43","start":1275.955,"end":1276.355,"confidence":0.9923763,"punctuated_word":"43","sentiment":"neutral","sentiment_score":-0.03060663491487503},{"word":"is","start":1276.355,"end":1276.515,"confidence":0.92186934,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04308968782424927},{"word":"quite","start":1276.515,"end":1276.6749,"confidence":0.98389155,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.0388038232922554},{"word":"a","start":1276.6749,"end":1276.755,"confidence":0.5899317,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.036706190556287766},{"word":"lot","start":1276.755,"end":1276.915,"confidence":0.909853,"punctuated_word":"lot.","sentiment":"neutral","sentiment_score":-0.024515870958566666},{"word":"yeah","start":1276.915,"end":1277.315,"confidence":0.91867065,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015909705311059952},{"word":"yep","start":1277.315,"end":1277.815,"confidence":0.7639954,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02358105778694153},{"word":"yep","start":1287.875,"end":1288.375,"confidence":0.745732,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03137226030230522},{"word":"yeah","start":1288.595,"end":1289.095,"confidence":0.748276,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01975345239043236},{"word":"we've","start":1294.0,"end":1294.24,"confidence":0.5912474,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.0006470376392826438},{"word":"kinda","start":1294.24,"end":1294.56,"confidence":0.51401615,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.0017870431765913963},{"word":"put","start":1294.56,"end":1294.72,"confidence":0.992788,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0021368935704231262},{"word":"for","start":1294.72,"end":1294.88,"confidence":0.97581375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0005528070032596588},{"word":"the","start":1294.88,"end":1295.04,"confidence":0.9958254,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011720661073923113},{"word":"jet","start":1295.04,"end":1295.28,"confidence":0.5279098,"punctuated_word":"jet","sentiment":"neutral","sentiment_score":0.01611682027578354},{"word":"skis","start":1295.28,"end":1295.52,"confidence":0.98682266,"punctuated_word":"skis","sentiment":"neutral","sentiment_score":0.010963274165987968},{"word":"and","start":1295.52,"end":1295.76,"confidence":0.98681265,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006473807618021965},{"word":"its","start":1295.76,"end":1296.0801,"confidence":0.9247432,"punctuated_word":"its","sentiment":"neutral","sentiment_score":0.008860042318701744},{"word":"trailer","start":1296.0801,"end":1296.5801,"confidence":0.98317933,"punctuated_word":"trailer.","sentiment":"neutral","sentiment_score":0.0031135622411966324},{"word":"we're","start":1296.72,"end":1297.04,"confidence":0.9974308,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.006949927657842636},{"word":"thinking","start":1297.04,"end":1297.4401,"confidence":0.9951504,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.001619638875126839},{"word":"we'll","start":1297.4401,"end":1297.68,"confidence":0.9947336,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.004294294398277998},{"word":"sell","start":1297.68,"end":1297.8401,"confidence":0.9687778,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.0043231528252363205},{"word":"it","start":1297.8401,"end":1298.0,"confidence":0.98984563,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.002382420003414154},{"word":"for","start":1298.0,"end":1298.16,"confidence":0.99787426,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.002030709758400917},{"word":"around","start":1298.16,"end":1298.56,"confidence":0.99790037,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.0022677630186080933},{"word":"between","start":1298.56,"end":1299.04,"confidence":0.6755278,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.0013326145708560944},{"word":"50","start":1299.04,"end":1299.36,"confidence":0.91398066,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.002895386889576912},{"word":"to","start":1299.36,"end":1299.4401,"confidence":0.98235774,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0002135187387466431},{"word":"60","start":1299.4401,"end":1299.8401,"confidence":0.94084585,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.004161017015576363},{"word":"so","start":1299.8401,"end":1300.0,"confidence":0.99852234,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.007904557511210442},{"word":"probably","start":1300.0,"end":1300.3201,"confidence":0.98144126,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.01191995106637478},{"word":"55","start":1300.3201,"end":1301.14,"confidence":0.9749899,"punctuated_word":"55.","sentiment":"neutral","sentiment_score":0.011125081218779089},{"word":"no","start":1307.7251,"end":1307.885,"confidence":0.9752626,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.06076405942440033},{"word":"loans","start":1307.885,"end":1308.385,"confidence":0.8570138,"punctuated_word":"loans.","sentiment":"neutral","sentiment_score":-0.038171764463186264},{"word":"yeah","start":1313.0851,"end":1313.5851,"confidence":0.9885202,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09698450565338136},{"word":"yep","start":1314.125,"end":1314.6,"confidence":0.898471,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08160161972045898},{"word":"probably","start":1314.6799,"end":1314.84,"confidence":0.66871977,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":0.12052681297063828},{"word":"just","start":1314.84,"end":1315.08,"confidence":0.930314,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1028321608901024},{"word":"sell","start":1315.08,"end":1315.155,"confidence":0.90229,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.15372121334075928},{"word":"them","start":1315.155,"end":1315.23,"confidence":0.9449934,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.15829408168792725},{"word":"as","start":1315.23,"end":1315.48,"confidence":0.9888093,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1658266931772232},{"word":"a","start":1315.48,"end":1315.5599,"confidence":0.9923381,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17876172065734863},{"word":"package","start":1315.5599,"end":1316.0599,"confidence":0.9984362,"punctuated_word":"package.","sentiment":"neutral","sentiment_score":0.12797680497169495},{"word":"i","start":1340.2001,"end":1340.3601,"confidence":0.9284615,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.040543101727962494},{"word":"think","start":1340.3601,"end":1340.52,"confidence":0.99441683,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0623040683567524},{"word":"i'll","start":1340.52,"end":1340.68,"confidence":0.989781,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0917142853140831},{"word":"just","start":1340.68,"end":1340.8401,"confidence":0.99964,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07094511389732361},{"word":"leave","start":1340.8401,"end":1341.0801,"confidence":0.9996697,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.06648596376180649},{"word":"it","start":1341.0801,"end":1341.24,"confidence":0.9981592,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0983392670750618},{"word":"as","start":1341.24,"end":1341.4,"confidence":0.99244833,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08971286565065384},{"word":"that","start":1341.4,"end":1341.64,"confidence":0.91369045,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.10654084384441376},{"word":"but","start":1341.64,"end":1341.8,"confidence":0.99932647,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08866044133901596},{"word":"i","start":1341.8,"end":1341.88,"confidence":0.9996037,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.051223598420619965},{"word":"do","start":1341.88,"end":1342.12,"confidence":0.9999014,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05538048595190048},{"word":"have","start":1342.12,"end":1342.3601,"confidence":0.99965894,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.056860990822315216},{"word":"another","start":1342.3601,"end":1342.76,"confidence":0.99940646,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.07351965457201004},{"word":"vehicle","start":1342.76,"end":1343.0801,"confidence":0.9773222,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.06166739761829376},{"word":"that","start":1343.0801,"end":1343.3201,"confidence":0.9989153,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07543638348579407},{"word":"you've","start":1343.3201,"end":1343.4801,"confidence":0.84033966,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07186023890972137},{"word":"gotta","start":1343.4801,"end":1343.7201,"confidence":0.7436496,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.06325192749500275},{"word":"add","start":1343.7201,"end":1344.2201,"confidence":0.99936,"punctuated_word":"add.","sentiment":"neutral","sentiment_score":0.08433946967124939},{"word":"it's","start":1349.0801,"end":1349.4,"confidence":0.9734,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.021773945540189743},{"word":"a","start":1349.4,"end":1349.56,"confidence":0.99210644,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.029218608513474464},{"word":"bydc","start":1349.56,"end":1350.06,"confidence":0.72496885,"punctuated_word":"BYDC","sentiment":"neutral","sentiment_score":0.0435907244682312},{"word":"line","start":1350.4401,"end":1350.8401,"confidence":0.36527947,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.048281729221343994},{"word":"eight","start":1350.8401,"end":1351.3401,"confidence":0.97052526,"punctuated_word":"eight.","sentiment":"neutral","sentiment_score":0.043461643159389496},{"word":"what","start":1357.865,"end":1358.105,"confidence":0.31249607,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.012129868380725384},{"word":"what","start":1358.105,"end":1358.185,"confidence":0.36573353,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.010458217933773994},{"word":"was","start":1358.185,"end":1358.425,"confidence":0.24915819,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.016227493062615395},{"word":"your","start":1358.425,"end":1358.505,"confidence":0.35911807,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.013957511633634567},{"word":"name","start":1358.505,"end":1358.905,"confidence":0.26274887,"punctuated_word":"name?","sentiment":"neutral","sentiment_score":0.014685525558888912},{"word":"70000","start":1358.905,"end":1359.7251,"confidence":0.99454415,"punctuated_word":"70000.","sentiment":"neutral","sentiment_score":0.010569080710411072},{"word":"70000","start":1359.785,"end":1360.685,"confidence":0.97878325,"punctuated_word":"70000?","sentiment":"neutral","sentiment_score":0.010589840821921824},{"word":"and","start":1363.2251,"end":1363.4651,"confidence":0.9843397,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.28485286235809326},{"word":"i","start":1363.4651,"end":1363.625,"confidence":0.9950696,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.26249489188194275},{"word":"do","start":1363.625,"end":1363.785,"confidence":0.99855644,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19565461575984955},{"word":"have","start":1363.785,"end":1363.9451,"confidence":0.99549145,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15506768226623535},{"word":"a","start":1363.9451,"end":1364.025,"confidence":0.9982132,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12733818590641022},{"word":"loan","start":1364.025,"end":1364.265,"confidence":0.98117983,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.11491604149341585},{"word":"on","start":1364.265,"end":1364.425,"confidence":0.9998053,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15197597444057465},{"word":"that","start":1364.425,"end":1364.925,"confidence":0.9428642,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1986578404903412},{"word":"i","start":1368.3451,"end":1368.5851,"confidence":0.98808795,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.012031630612909794},{"word":"think","start":1368.5851,"end":1368.905,"confidence":0.99917823,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.007211493328213692},{"word":"i","start":1368.905,"end":1369.2251,"confidence":0.98133355,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.009029808454215528},{"word":"owe","start":1369.2251,"end":1369.4651,"confidence":0.7690716,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":0.007189850322902203},{"word":"around","start":1369.4651,"end":1369.865,"confidence":0.9554318,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.013205849565565586},{"word":"about","start":1369.865,"end":1370.25,"confidence":0.9937162,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.014515815302729608},{"word":"what","start":1370.89,"end":1371.39,"confidence":0.35718378,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.014670049771666529},{"word":"do","start":1371.53,"end":1371.69,"confidence":0.5930447,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.012039059773087502},{"word":"i","start":1371.69,"end":1371.85,"confidence":0.71830565,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0249137282371521},{"word":"can","start":1372.09,"end":1372.25,"confidence":0.9874106,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.023431193083524704},{"word":"i","start":1372.25,"end":1372.33,"confidence":0.9985071,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01990191824734211},{"word":"have","start":1372.33,"end":1372.49,"confidence":0.7144195,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01595470681786537},{"word":"the","start":1372.65,"end":1372.73,"confidence":0.7930978,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0021327724680304527},{"word":"same","start":1372.73,"end":1372.97,"confidence":0.99887747,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.0024119713343679905},{"word":"thing","start":1372.97,"end":1373.37,"confidence":0.94757956,"punctuated_word":"thing?","sentiment":"neutral","sentiment_score":-0.0005113892257213593},{"word":"around","start":1373.37,"end":1373.69,"confidence":0.79383487,"punctuated_word":"Around","sentiment":"neutral","sentiment_score":-0.00366503931581974},{"word":"about","start":1373.69,"end":1373.85,"confidence":0.98325956,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.002510717138648033},{"word":"the","start":1373.85,"end":1374.01,"confidence":0.99822825,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003981804009526968},{"word":"same","start":1374.01,"end":1374.17,"confidence":0.9993948,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.005420173052698374},{"word":"because","start":1374.17,"end":1374.41,"confidence":0.7540247,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.003378382883965969},{"word":"it's","start":1374.41,"end":1374.57,"confidence":0.9941826,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0001793677656678483},{"word":"only","start":1374.57,"end":1374.73,"confidence":0.98863494,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.001812783069908619},{"word":"recent","start":1374.73,"end":1375.23,"confidence":0.91561246,"punctuated_word":"recent.","sentiment":"neutral","sentiment_score":0.006911936681717634},{"word":"it's","start":1375.61,"end":1375.69,"confidence":0.65478444,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.0005332989385351539},{"word":"only","start":1375.69,"end":1375.93,"confidence":0.7410726,"punctuated_word":"only,","sentiment":"neutral","sentiment_score":-0.0015904856845736504},{"word":"like","start":1375.93,"end":1376.09,"confidence":0.9949153,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0011044745333492756},{"word":"four","start":1376.09,"end":1376.25,"confidence":0.99418074,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.006357165053486824},{"word":"months","start":1376.25,"end":1376.49,"confidence":0.98609596,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.008142008446156979},{"word":"old","start":1376.49,"end":1376.99,"confidence":0.9954051,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.010621212422847748},{"word":"or","start":1378.09,"end":1378.25,"confidence":0.53627294,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.023366453126072884},{"word":"a","start":1378.25,"end":1378.33,"confidence":0.8123603,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04626883566379547},{"word":"couple","start":1378.33,"end":1378.57,"confidence":0.9999453,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1721748113632202},{"word":"of","start":1378.57,"end":1378.65,"confidence":0.9949993,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21154838800430295},{"word":"months","start":1378.65,"end":1378.97,"confidence":0.9963398,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.06801296770572662},{"word":"old","start":1378.97,"end":1379.47,"confidence":0.9854363,"punctuated_word":"old.","sentiment":"neutral","sentiment_score":0.11489709466695786},{"word":"and","start":1380.09,"end":1380.25,"confidence":0.93604887,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17867149412631989},{"word":"it","start":1380.25,"end":1380.41,"confidence":0.9860746,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16065222024917605},{"word":"like","start":1380.57,"end":1380.89,"confidence":0.99442756,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1344812661409378},{"word":"both","start":1380.89,"end":1381.13,"confidence":0.99474216,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.17983046174049375},{"word":"of","start":1381.13,"end":1381.29,"confidence":0.998004,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20527248084545135},{"word":"our","start":1381.29,"end":1381.61,"confidence":0.9992225,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.16690504550933838},{"word":"vehicle","start":1381.61,"end":1382.09,"confidence":0.99847144,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.10783624649047852},{"word":"loans","start":1382.09,"end":1382.41,"confidence":0.9034078,"punctuated_word":"loans,","sentiment":"neutral","sentiment_score":0.10427254438400269},{"word":"just","start":1382.41,"end":1382.65,"confidence":0.9942384,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11472934484481812},{"word":"so","start":1382.65,"end":1382.73,"confidence":0.98803407,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12673096358776093},{"word":"you","start":1382.73,"end":1382.81,"confidence":0.99399614,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1426190882921219},{"word":"know","start":1382.81,"end":1383.05,"confidence":0.99477273,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.12464657425880432},{"word":"they're","start":1383.05,"end":1383.21,"confidence":0.9983925,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.08965715020895004},{"word":"both","start":1383.21,"end":1383.45,"confidence":0.99854016,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.12412020564079285},{"word":"at","start":1383.45,"end":1383.705,"confidence":0.89048743,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.13652582466602323},{"word":"like","start":1383.7849,"end":1383.825,"confidence":0.9328661,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11784259974956512},{"word":"what","start":1383.825,"end":1383.865,"confidence":0.47716382,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12756820023059845},{"word":"his","start":1384.105,"end":1384.1849,"confidence":0.8762474,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.09507647156715392},{"word":"is","start":1384.1849,"end":1384.4249,"confidence":0.9342227,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10096447169780733},{"word":"1.99%","start":1384.4249,"end":1385.625,"confidence":0.9440929,"punctuated_word":"1.99%,","sentiment":"neutral","sentiment_score":0.10172637552022934},{"word":"and","start":1385.625,"end":1385.705,"confidence":0.9721977,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0973353460431099},{"word":"one's","start":1385.705,"end":1385.945,"confidence":0.9367933,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":0.0737554281949997},{"word":"mine's","start":1386.105,"end":1386.4249,"confidence":0.984938,"punctuated_word":"mine's","sentiment":"neutral","sentiment_score":0.08328288793563843},{"word":"1.89%","start":1386.4249,"end":1387.705,"confidence":0.959019,"punctuated_word":"1.89%.","sentiment":"neutral","sentiment_score":0.08260174095630646},{"word":"so","start":1387.705,"end":1387.865,"confidence":0.9988796,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05659641698002815},{"word":"they're","start":1387.865,"end":1388.105,"confidence":0.98033094,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.054101720452308655},{"word":"very","start":1388.105,"end":1388.265,"confidence":0.9993943,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.05008292198181152},{"word":"low","start":1388.265,"end":1388.585,"confidence":0.99945813,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.04217611625790596},{"word":"interest","start":1388.585,"end":1388.985,"confidence":0.9987866,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.015409789979457855},{"word":"rates","start":1388.985,"end":1389.485,"confidence":0.98748136,"punctuated_word":"rates.","sentiment":"neutral","sentiment_score":0.019220881164073944},{"word":"yeah","start":1396.0249,"end":1396.4249,"confidence":0.7657381,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.057762980461120605},{"word":"yep","start":1396.4249,"end":1396.9249,"confidence":0.7793838,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06863410025835037},{"word":"yeah","start":1400.38,"end":1400.88,"confidence":0.991318,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14780190587043762},{"word":"that's","start":1401.82,"end":1402.0599,"confidence":0.99149334,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09778818488121031},{"word":"why","start":1402.0599,"end":1402.22,"confidence":0.99058074,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.06760638952255249},{"word":"we","start":1402.22,"end":1402.2999,"confidence":0.9997669,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04100051522254944},{"word":"didn't","start":1402.2999,"end":1402.5399,"confidence":0.9998945,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.03285384550690651},{"word":"bother","start":1402.5399,"end":1402.7799,"confidence":0.99756026,"punctuated_word":"bother","sentiment":"neutral","sentiment_score":-0.0032794736325740814},{"word":"paying","start":1402.7799,"end":1403.02,"confidence":0.9937714,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.003842007368803024},{"word":"them","start":1403.02,"end":1403.1799,"confidence":0.95765144,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.0028627999126911163},{"word":"out","start":1403.1799,"end":1403.26,"confidence":0.9887233,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.017974302172660828},{"word":"with","start":1403.26,"end":1403.34,"confidence":0.9209069,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.01622282713651657},{"word":"the","start":1403.34,"end":1403.4199,"confidence":0.9979899,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02184077724814415},{"word":"money","start":1403.4199,"end":1403.6599,"confidence":0.99987876,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.03079289384186268},{"word":"we","start":1403.6599,"end":1403.82,"confidence":0.9932811,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.025998156517744064},{"word":"had","start":1403.82,"end":1403.98,"confidence":0.995218,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.018743939697742466},{"word":"in","start":1403.98,"end":1404.14,"confidence":0.98365134,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02632007747888565},{"word":"the","start":1404.14,"end":1404.22,"confidence":0.94656897,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034306544810533524},{"word":"offset","start":1404.22,"end":1404.7,"confidence":0.92946804,"punctuated_word":"offset.","sentiment":"neutral","sentiment_score":0.016277188435196877},{"word":"we're","start":1404.7,"end":1404.86,"confidence":0.97829235,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.003341532777994871},{"word":"like","start":1404.86,"end":1405.1799,"confidence":0.9428985,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.01342179160565138},{"word":"that's","start":1405.1799,"end":1405.4199,"confidence":0.7190043,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0006448999047279358},{"word":"too","start":1405.4199,"end":1405.6599,"confidence":0.5208238,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.0039035286754369736},{"word":"low","start":1405.6599,"end":1405.98,"confidence":0.8274016,"punctuated_word":"low.","sentiment":"neutral","sentiment_score":0.004189374856650829},{"word":"it","start":1405.98,"end":1406.14,"confidence":0.72843236,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.0020498037338256836},{"word":"just","start":1406.14,"end":1406.5399,"confidence":0.6831438,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0004604123532772064},{"word":"yeah","start":1410.2999,"end":1410.7,"confidence":0.9819159,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02263992466032505},{"word":"with","start":1410.7,"end":1411.1799,"confidence":0.39974567,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.01674387976527214},{"word":"byd","start":1411.1799,"end":1411.57,"confidence":0.80700773,"punctuated_word":"BYD.","sentiment":"neutral","sentiment_score":0.031040919944643974},{"word":"byd","start":1411.82,"end":1411.9,"confidence":0.8298738,"punctuated_word":"BYD.","sentiment":"neutral","sentiment_score":0.02396097406744957},{"word":"yeah","start":1411.9,"end":1412.4,"confidence":0.96305835,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010114585049450396},{"word":"that's","start":1412.9149,"end":1413.075,"confidence":0.9886774,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03326607123017311},{"word":"what","start":1413.075,"end":1413.235,"confidence":0.9735867,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.027701061218976974},{"word":"i","start":1413.235,"end":1413.315,"confidence":0.7290829,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03057042136788368},{"word":"do","start":1413.315,"end":1413.635,"confidence":0.98262054,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.029197901487350464},{"word":"to","start":1413.635,"end":1413.7949,"confidence":0.76347685,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027408095076680183},{"word":"shift","start":1413.7949,"end":1414.0349,"confidence":0.5724929,"punctuated_word":"shift","sentiment":"neutral","sentiment_score":0.028405573219060894},{"word":"shift","start":1414.0349,"end":1414.2749,"confidence":0.9762363,"punctuated_word":"shift","sentiment":"neutral","sentiment_score":0.028269769623875615},{"word":"units","start":1414.2749,"end":1414.7749,"confidence":0.97994304,"punctuated_word":"units.","sentiment":"neutral","sentiment_score":0.02253561094403267},{"word":"yeah","start":1415.075,"end":1415.575,"confidence":0.9681732,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07217434048652649},{"word":"up","start":1416.6749,"end":1416.9149,"confidence":0.38893384,"punctuated_word":"Up","sentiment":"neutral","sentiment_score":0.04245578870177269},{"word":"to","start":1416.9149,"end":1416.995,"confidence":0.5798307,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029909148812294006},{"word":"date","start":1416.995,"end":1417.1549,"confidence":0.39920262,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.04408147931098938},{"word":"by","start":1417.1549,"end":1417.395,"confidence":0.7415156,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.03491482138633728},{"word":"the","start":1417.395,"end":1417.475,"confidence":0.99826366,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03908153995871544},{"word":"chinese","start":1417.475,"end":1417.875,"confidence":0.96533096,"punctuated_word":"Chinese","sentiment":"neutral","sentiment_score":0.024846099317073825},{"word":"government","start":1417.875,"end":1418.2749,"confidence":0.9885577,"punctuated_word":"government,","sentiment":"neutral","sentiment_score":0.03505835309624672},{"word":"i'm","start":1418.2749,"end":1418.4349,"confidence":0.99989057,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.030120868235826492},{"word":"guessing","start":1418.4349,"end":1418.9349,"confidence":0.9953999,"punctuated_word":"guessing.","sentiment":"neutral","sentiment_score":0.03452625125646591},{"word":"no","start":1429.0499,"end":1429.5499,"confidence":0.98373425,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04079318046569824},{"word":"no","start":1430.09,"end":1430.59,"confidence":0.89266175,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07738813757896423},{"word":"no","start":1430.97,"end":1431.47,"confidence":0.87531525,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.042151544243097305},{"word":"they","start":1431.85,"end":1432.0099,"confidence":0.47959343,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.008840261027216911},{"word":"have","start":1432.0099,"end":1432.1699,"confidence":0.820358,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.006112325936555862},{"word":"nothing","start":1432.1699,"end":1432.57,"confidence":0.9962781,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.018513962626457214},{"word":"in","start":1432.57,"end":1432.73,"confidence":0.9989912,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.015520930290222168},{"word":"three","start":1432.73,"end":1432.97,"confidence":0.9994024,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.007987473160028458},{"word":"years","start":1432.97,"end":1433.45,"confidence":0.9939114,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.0071127936244010925},{"word":"yep","start":1433.45,"end":1433.95,"confidence":0.8041283,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.007845250889658928},{"word":"yep","start":1441.845,"end":1442.325,"confidence":0.9943118,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.022082408890128136},{"word":"well","start":1442.325,"end":1442.825,"confidence":0.71492386,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.02097136899828911},{"word":"mine","start":1443.045,"end":1443.365,"confidence":0.8721788,"punctuated_word":"mine","sentiment":"neutral","sentiment_score":0.021221715956926342},{"word":"in","start":1443.365,"end":1443.525,"confidence":0.46386105,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.018056267872452736},{"word":"two","start":1443.525,"end":1443.925,"confidence":0.71675885,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.02650413848459721},{"word":"two","start":1443.925,"end":1444.165,"confidence":0.6593231,"punctuated_word":"Two,","sentiment":"neutral","sentiment_score":0.027118870988488197},{"word":"mine","start":1444.165,"end":1444.405,"confidence":0.99903035,"punctuated_word":"mine","sentiment":"neutral","sentiment_score":0.032931406050920486},{"word":"in","start":1444.405,"end":1444.645,"confidence":0.9947336,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03093229979276657},{"word":"three","start":1444.645,"end":1445.145,"confidence":0.9911913,"punctuated_word":"three.","sentiment":"neutral","sentiment_score":0.03737081587314606},{"word":"so","start":1446.325,"end":1446.565,"confidence":0.9933745,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06446018069982529},{"word":"the","start":1446.565,"end":1446.805,"confidence":0.98489016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07364320009946823},{"word":"shark","start":1446.805,"end":1447.125,"confidence":0.65473354,"punctuated_word":"shark","sentiment":"neutral","sentiment_score":0.0589413158595562},{"word":"in","start":1447.125,"end":1447.445,"confidence":0.89174885,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03414882719516754},{"word":"shark","start":1447.445,"end":1447.765,"confidence":0.8773361,"punctuated_word":"shark","sentiment":"neutral","sentiment_score":0.04904454946517944},{"word":"in","start":1447.765,"end":1448.005,"confidence":0.99359506,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.048348188400268555},{"word":"two","start":1448.005,"end":1448.165,"confidence":0.94482225,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.050086259841918945},{"word":"yeah","start":1448.165,"end":1448.665,"confidence":0.80409753,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.030484095215797424},{"word":"yeah","start":1455.285,"end":1455.685,"confidence":0.5560472,"punctuated_word":"Yeah?","sentiment":"neutral","sentiment_score":0.034681737422943115},{"word":"yep","start":1455.685,"end":1456.17,"confidence":0.7906208,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01502501592040062},{"word":"yeah","start":1457.13,"end":1457.61,"confidence":0.8190097,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.025587555021047592},{"word":"yeah","start":1457.61,"end":1457.8501,"confidence":0.9150827,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03073148988187313},{"word":"hi","start":1457.8501,"end":1458.0901,"confidence":0.39886403,"punctuated_word":"Hi.","sentiment":"neutral","sentiment_score":0.03769379109144211},{"word":"both","start":1458.0901,"end":1458.41,"confidence":0.6918173,"punctuated_word":"Both","sentiment":"neutral","sentiment_score":0.028771407902240753},{"word":"both","start":1458.41,"end":1458.65,"confidence":0.6562575,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.03235239535570145},{"word":"hybrids","start":1458.65,"end":1459.05,"confidence":0.7433275,"punctuated_word":"hybrids.","sentiment":"neutral","sentiment_score":0.044377051293849945},{"word":"but","start":1459.05,"end":1459.2101,"confidence":0.99778676,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03198469430208206},{"word":"mainly","start":1459.2101,"end":1459.61,"confidence":0.8769006,"punctuated_word":"mainly,","sentiment":"neutral","sentiment_score":0.03038625046610832},{"word":"they","start":1459.61,"end":1459.6901,"confidence":0.9515384,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.02686999924480915},{"word":"drive","start":1459.6901,"end":1460.01,"confidence":0.84416246,"punctuated_word":"drive","sentiment":"neutral","sentiment_score":0.04240918532013893},{"word":"lock","start":1460.01,"end":1460.17,"confidence":0.49389914,"punctuated_word":"lock","sentiment":"neutral","sentiment_score":0.03952278941869736},{"word":"and","start":1460.17,"end":1460.3301,"confidence":0.87340003,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.024942252784967422},{"word":"electric","start":1460.3301,"end":1460.8301,"confidence":0.987325,"punctuated_word":"electric.","sentiment":"neutral","sentiment_score":0.04402947425842285},{"word":"yeah","start":1461.13,"end":1461.53,"confidence":0.9838046,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0418865792453289},{"word":"they've","start":1461.53,"end":1461.77,"confidence":0.8713887,"punctuated_word":"They've","sentiment":"neutral","sentiment_score":0.04166305065155029},{"word":"just","start":1461.77,"end":1462.01,"confidence":0.998877,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04227088391780853},{"word":"got","start":1462.01,"end":1462.25,"confidence":0.9931322,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04636365547776222},{"word":"a","start":1462.25,"end":1462.5701,"confidence":0.9824821,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.054486967623233795},{"word":"generator","start":1462.5701,"end":1463.0701,"confidence":0.999637,"punctuated_word":"generator","sentiment":"neutral","sentiment_score":0.07901965826749802},{"word":"here","start":1463.13,"end":1463.4501,"confidence":0.9437446,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.08736412227153778},{"word":"to","start":1463.4501,"end":1463.77,"confidence":0.99064004,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07220721244812012},{"word":"get","start":1463.77,"end":1463.93,"confidence":0.9973597,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0742102786898613},{"word":"you","start":1463.93,"end":1464.0901,"confidence":0.9867005,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06671532243490219},{"word":"going","start":1464.0901,"end":1464.49,"confidence":0.9728969,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.08155951648950577},{"word":"multiple","start":1464.49,"end":1464.99,"confidence":0.552933,"punctuated_word":"multiple.","sentiment":"neutral","sentiment_score":0.06804875284433365},{"word":"yep","start":1474.8251,"end":1475.3251,"confidence":0.923365,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3827341198921203},{"word":"yeah","start":1479.385,"end":1479.625,"confidence":0.95220345,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09806019812822342},{"word":"well","start":1479.625,"end":1479.785,"confidence":0.69988465,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.08473576605319977},{"word":"your","start":1479.785,"end":1480.025,"confidence":0.9649241,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08049200475215912},{"word":"card","start":1480.025,"end":1480.265,"confidence":0.71032876,"punctuated_word":"card","sentiment":"neutral","sentiment_score":0.08067179471254349},{"word":"goes","start":1480.265,"end":1480.56,"confidence":0.7713778,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.1253659725189209},{"word":"pages","start":1480.8,"end":1481.3,"confidence":0.6402452,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.12885594367980957},{"word":"on","start":1481.552,"end":1482.052,"confidence":0.8474568,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17315678298473358},{"word":"the","start":1482.3041,"end":1482.8041,"confidence":0.33167443,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15687958896160126},{"word":"line","start":1483.056,"end":1483.556,"confidence":0.221058,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.20493394136428833},{"word":"trip","start":1483.8081,"end":1484.3081,"confidence":0.66418123,"punctuated_word":"trip.","sentiment":"neutral","sentiment_score":0.16530968248844147},{"word":"yeah","start":1484.56,"end":1484.7201,"confidence":0.92898697,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2026546597480774},{"word":"we","start":1484.7201,"end":1484.8,"confidence":0.99502856,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.03651193156838417},{"word":"can","start":1484.8,"end":1484.9601,"confidence":0.9995987,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.018697034567594528},{"word":"do","start":1484.9601,"end":1485.1201,"confidence":0.99914396,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02556375041604042},{"word":"it","start":1485.1201,"end":1485.6201,"confidence":0.9579629,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.015746716409921646},{"word":"oh","start":1485.92,"end":1486.16,"confidence":0.7048929,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.05503428354859352},{"word":"yeah","start":1486.16,"end":1486.66,"confidence":0.95901775,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0780184268951416},{"word":"yeah","start":1487.04,"end":1487.3601,"confidence":0.89092314,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20700550079345703},{"word":"so","start":1487.3601,"end":1487.6001,"confidence":0.7068173,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4435083568096161},{"word":"good","start":1487.6001,"end":1488.1001,"confidence":0.9809446,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5003564357757568},{"word":"do","start":1496.895,"end":1497.395,"confidence":0.55810994,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.01965261623263359},{"word":"you","start":1505.535,"end":1505.615,"confidence":0.8750097,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0017829174175858498},{"word":"mention","start":1505.615,"end":1505.935,"confidence":0.7943057,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.0034160465002059937},{"word":"the","start":1505.935,"end":1506.0951,"confidence":0.9801769,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004340101033449173},{"word":"other","start":1506.0951,"end":1506.255,"confidence":0.99826056,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.008147659711539745},{"word":"you've","start":1506.5751,"end":1506.8151,"confidence":0.97857815,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.0014137809630483389},{"word":"got","start":1506.8151,"end":1506.9751,"confidence":0.9997292,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.002181694842875004},{"word":"the","start":1506.9751,"end":1507.055,"confidence":0.99916184,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.001333789899945259},{"word":"other","start":1507.055,"end":1507.295,"confidence":0.99904484,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.0033500809222459793},{"word":"house","start":1507.295,"end":1507.535,"confidence":0.99885845,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.007732033729553223},{"word":"there","start":1507.535,"end":1507.6951,"confidence":0.9827305,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.00009086169302463531},{"word":"haven't","start":1507.6951,"end":1508.015,"confidence":0.99786854,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.003170258365571499},{"word":"you","start":1508.015,"end":1508.175,"confidence":0.8017245,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.003336026333272457},{"word":"the","start":1508.175,"end":1508.3351,"confidence":0.99552613,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.005543543957173824},{"word":"other","start":1508.3351,"end":1508.8351,"confidence":0.9980422,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.007881487719714642},{"word":"unit","start":1508.895,"end":1509.2151,"confidence":0.99630713,"punctuated_word":"unit","sentiment":"neutral","sentiment_score":-0.0032033277675509453},{"word":"in","start":1509.2151,"end":1509.295,"confidence":0.9954299,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0039001107215881343},{"word":"melumbin","start":1509.295,"end":1509.795,"confidence":0.56462675,"punctuated_word":"Melumbin","sentiment":"neutral","sentiment_score":-0.0007882816717028618},{"word":"that","start":1509.9,"end":1510.06,"confidence":0.99948114,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.003900179639458656},{"word":"we","start":1510.06,"end":1510.38,"confidence":0.99763334,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.000623154453933239},{"word":"own","start":1510.38,"end":1510.88,"confidence":0.8776557,"punctuated_word":"own?","sentiment":"neutral","sentiment_score":-0.0023516369983553886},{"word":"okay","start":1513.02,"end":1513.52,"confidence":0.99217856,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.003714916296303272},{"word":"yeah","start":1515.18,"end":1515.68,"confidence":0.8262987,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01816435530781746},{"word":"287,000","start":1521.02,"end":1522.365,"confidence":0.8353235,"punctuated_word":"287,000.","sentiment":"neutral","sentiment_score":0.0016455433797091246},{"word":"what","start":1522.445,"end":1522.525,"confidence":0.82336354,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.003379613161087036},{"word":"we","start":1522.525,"end":1522.6849,"confidence":0.85042524,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.003485102206468582},{"word":"bought","start":1522.6849,"end":1522.845,"confidence":0.8078555,"punctuated_word":"bought.","sentiment":"neutral","sentiment_score":-0.0013047554530203342},{"word":"that's","start":1522.845,"end":1523.005,"confidence":0.97636557,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0017040863167494535},{"word":"what","start":1523.005,"end":1523.245,"confidence":0.9644986,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.001963796094059944},{"word":"we","start":1523.245,"end":1523.325,"confidence":0.9507521,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01071715448051691},{"word":"bought","start":1523.325,"end":1523.485,"confidence":0.9807668,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":0.008414177224040031},{"word":"it","start":1523.485,"end":1523.565,"confidence":0.5131497,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.014441287145018578},{"word":"for","start":1523.565,"end":1523.885,"confidence":0.78903794,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":-0.0008209189400076866},{"word":"so","start":1523.885,"end":1523.9917,"confidence":0.6071874,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0017588995397090912},{"word":"300","start":1524.205,"end":1524.845,"confidence":0.94663036,"punctuated_word":"300","sentiment":"neutral","sentiment_score":0.002621379680931568},{"word":"now","start":1524.845,"end":1525.005,"confidence":0.9921936,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.0019154585897922516},{"word":"because","start":1525.005,"end":1525.085,"confidence":0.37653792,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.001446656882762909},{"word":"it's","start":1525.085,"end":1525.165,"confidence":0.55627525,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0028006304055452347},{"word":"probably","start":1525.245,"end":1525.485,"confidence":0.6943174,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.004594580736011267},{"word":"300","start":1525.485,"end":1525.885,"confidence":0.92557716,"punctuated_word":"300.","sentiment":"neutral","sentiment_score":-0.005498470738530159},{"word":"cost","start":1526.045,"end":1526.285,"confidence":0.27766708,"punctuated_word":"Cost","sentiment":"neutral","sentiment_score":-0.007191471755504608},{"word":"the","start":1526.285,"end":1526.365,"confidence":0.6034546,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014469049870967863},{"word":"road","start":1526.365,"end":1526.525,"confidence":0.25048125,"punctuated_word":"road","sentiment":"neutral","sentiment_score":-0.007660395465791225},{"word":"trying","start":1526.525,"end":1526.765,"confidence":0.3119194,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.01153178233653307},{"word":"to","start":1526.765,"end":1526.845,"confidence":0.9978079,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01093367487192154},{"word":"sell","start":1526.845,"end":1527.005,"confidence":0.9969452,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.008386618457734585},{"word":"the","start":1527.005,"end":1527.165,"confidence":0.95457125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008751077577471733},{"word":"one","start":1527.165,"end":1527.325,"confidence":0.96874106,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.006940612569451332},{"word":"for","start":1527.325,"end":1527.825,"confidence":0.9785162,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.007704743184149265},{"word":"for","start":1528.205,"end":1528.445,"confidence":0.9381363,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.0053385524079203606},{"word":"400","start":1528.445,"end":1529.1849,"confidence":0.92332256,"punctuated_word":"400.","sentiment":"neutral","sentiment_score":-0.0020456304773688316},{"word":"for","start":1529.245,"end":1529.405,"confidence":0.771135,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.0026202555745840073},{"word":"400","start":1529.405,"end":1529.885,"confidence":0.8517835,"punctuated_word":"400.","sentiment":"neutral","sentiment_score":0.0015193072613328695},{"word":"3","start":1529.885,"end":1530.125,"confidence":0.15921398,"punctuated_word":"3","sentiment":"neutral","sentiment_score":0.0022553447633981705},{"word":"100","start":1530.125,"end":1530.625,"confidence":0.7694536,"punctuated_word":"100.","sentiment":"neutral","sentiment_score":0.01124392542988062},{"word":"that's","start":1533.165,"end":1533.565,"confidence":0.90899616,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.019044680520892143},{"word":"owned","start":1533.565,"end":1533.885,"confidence":0.73946047,"punctuated_word":"owned","sentiment":"neutral","sentiment_score":0.003581564873456955},{"word":"out","start":1533.885,"end":1534.385,"confidence":0.726187,"punctuated_word":"out?","sentiment":"neutral","sentiment_score":0.0027504554018378258},{"word":"no","start":1535.005,"end":1535.245,"confidence":0.88774,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.028322406113147736},{"word":"no","start":1535.245,"end":1535.745,"confidence":0.5168916,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.019930852577090263},{"word":"not","start":1536.365,"end":1536.6849,"confidence":0.4703487,"punctuated_word":"Not.","sentiment":"neutral","sentiment_score":-0.02471407689154148},{"word":"yeah","start":1536.6849,"end":1537.02,"confidence":0.68457067,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0147273950278759},{"word":"but","start":1537.1,"end":1537.18,"confidence":0.9977648,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0312679186463356},{"word":"it's","start":1537.18,"end":1537.42,"confidence":0.9929937,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.029484761878848076},{"word":"owned","start":1537.42,"end":1537.9,"confidence":0.9858549,"punctuated_word":"owned","sentiment":"neutral","sentiment_score":-0.026397960260510445},{"word":"with","start":1537.9,"end":1538.22,"confidence":0.99809104,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.02786596305668354},{"word":"my","start":1538.22,"end":1538.38,"confidence":0.9987476,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.02582680806517601},{"word":"parents","start":1538.38,"end":1538.7001,"confidence":0.768991,"punctuated_word":"parents.","sentiment":"neutral","sentiment_score":-0.026385050266981125},{"word":"so","start":1538.7001,"end":1538.86,"confidence":0.8428958,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03367142379283905},{"word":"all","start":1538.86,"end":1539.02,"confidence":0.99744534,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.03858773410320282},{"word":"four","start":1539.02,"end":1539.26,"confidence":0.9937738,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.037506379187107086},{"word":"of","start":1539.26,"end":1539.34,"confidence":0.99646276,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.047480933368206024},{"word":"us","start":1539.34,"end":1539.5,"confidence":0.98837143,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.03420422598719597},{"word":"don't","start":1539.5,"end":1539.66,"confidence":0.7090385,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03890468180179596},{"word":"own","start":1539.66,"end":1539.8201,"confidence":0.8080839,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.033333294093608856},{"word":"it","start":1539.8201,"end":1540.06,"confidence":0.9014561,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.038362257182598114},{"word":"and","start":1540.06,"end":1540.22,"confidence":0.6691525,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04196152091026306},{"word":"they","start":1540.22,"end":1540.3,"confidence":0.34331474,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.047671861946582794},{"word":"it's","start":1540.38,"end":1540.62,"confidence":0.99550915,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03965991735458374},{"word":"not","start":1540.62,"end":1541.1,"confidence":0.92187035,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.028110388666391373},{"word":"but","start":1541.1,"end":1541.6,"confidence":0.95026386,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.016583280637860298},{"word":"i","start":1541.66,"end":1541.8201,"confidence":0.60046303,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0033808499574661255},{"word":"own","start":1541.8201,"end":1541.98,"confidence":0.98394924,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.0009763240814208984},{"word":"it","start":1541.98,"end":1542.3,"confidence":0.9959783,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.008471738547086716},{"word":"yeah","start":1542.3,"end":1542.8,"confidence":0.9907948,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.004493063315749168},{"word":"we","start":1544.06,"end":1544.3,"confidence":0.36906257,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.005242589861154556},{"word":"just","start":1544.3,"end":1544.46,"confidence":0.9871558,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.012763267382979391},{"word":"had","start":1544.46,"end":1544.54,"confidence":0.9334192,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.0049439966678619385},{"word":"to","start":1544.54,"end":1544.7001,"confidence":0.9982224,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011107262223958967},{"word":"put","start":1544.7001,"end":1544.86,"confidence":0.99988127,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.007683178409934044},{"word":"their","start":1544.86,"end":1545.02,"confidence":0.97620165,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.0037460997700691223},{"word":"name","start":1545.02,"end":1545.26,"confidence":0.99937755,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.01072649285197258},{"word":"on","start":1545.26,"end":1545.42,"confidence":0.9989255,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.015958327800035477},{"word":"the","start":1545.42,"end":1545.5801,"confidence":0.9902249,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0137161947786808},{"word":"lease","start":1545.5801,"end":1545.9,"confidence":0.8048128,"punctuated_word":"lease","sentiment":"neutral","sentiment_score":0.01954776421189308},{"word":"to","start":1545.9,"end":1546.22,"confidence":0.98638785,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0021618325263261795},{"word":"allow","start":1546.46,"end":1546.78,"confidence":0.993853,"punctuated_word":"Allow","sentiment":"neutral","sentiment_score":-0.0021269656717777252},{"word":"them","start":1546.78,"end":1546.9401,"confidence":0.999838,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.002328880131244659},{"word":"to","start":1546.9401,"end":1547.1,"confidence":0.9994242,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007116660475730896},{"word":"live","start":1547.1,"end":1547.26,"confidence":0.92904836,"punctuated_word":"live","sentiment":"neutral","sentiment_score":0.011102687567472458},{"word":"in","start":1547.26,"end":1547.42,"confidence":0.99877375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01187051460146904},{"word":"it","start":1547.42,"end":1547.74,"confidence":0.91537833,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.007493194192647934},{"word":"yeah","start":1547.74,"end":1548.24,"confidence":0.99071765,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.021573342382907867},{"word":"agree","start":1548.3,"end":1548.8,"confidence":0.64146215,"punctuated_word":"Agree.","sentiment":"neutral","sentiment_score":0.033268172293901443},{"word":"so","start":1550.1051,"end":1550.3451,"confidence":0.98148924,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0405631810426712},{"word":"we","start":1550.3451,"end":1550.505,"confidence":0.98306745,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0665242075920105},{"word":"own","start":1550.505,"end":1550.745,"confidence":0.8822402,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.08999209851026535},{"word":"it","start":1550.745,"end":1550.8251,"confidence":0.68465143,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.08519269526004791},{"word":"when","start":1550.8251,"end":1550.9451,"confidence":0.7475223,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.10808427631855012},{"word":"it","start":1550.9451,"end":1551.0651,"confidence":0.90545726,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09834235906600952},{"word":"says","start":1551.0651,"end":1551.385,"confidence":0.4470215,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.08537207543849945},{"word":"ours","start":1551.385,"end":1551.7051,"confidence":0.6570834,"punctuated_word":"ours,","sentiment":"neutral","sentiment_score":0.07975418120622635},{"word":"it's","start":1551.7051,"end":1551.9451,"confidence":0.94632167,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06586000323295593},{"word":"in","start":1551.9451,"end":1552.1051,"confidence":0.9858423,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08537536859512329},{"word":"the","start":1552.1051,"end":1552.185,"confidence":0.9930396,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11053085327148438},{"word":"will","start":1552.185,"end":1552.505,"confidence":0.8748344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.13708679378032684},{"word":"that","start":1552.505,"end":1552.5851,"confidence":0.82600576,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1119597777724266},{"word":"it's","start":1552.5851,"end":1552.745,"confidence":0.81354964,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08738696575164795},{"word":"ours","start":1552.745,"end":1553.145,"confidence":0.84390897,"punctuated_word":"ours.","sentiment":"neutral","sentiment_score":0.09388097375631332},{"word":"it's","start":1553.145,"end":1553.305,"confidence":0.90229744,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0548563078045845},{"word":"it's","start":1553.305,"end":1553.375,"confidence":0.7368952,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05317819863557816},{"word":"yeah","start":1553.625,"end":1554.125,"confidence":0.9958341,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06613148003816605},{"word":"no","start":1564.985,"end":1565.22,"confidence":0.90856946,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.003095762804150582},{"word":"rent","start":1566.1,"end":1566.34,"confidence":0.9505951,"punctuated_word":"Rent","sentiment":"neutral","sentiment_score":0.06627260893583298},{"word":"free","start":1566.34,"end":1566.82,"confidence":0.92143476,"punctuated_word":"free.","sentiment":"neutral","sentiment_score":0.08103296905755997},{"word":"rent","start":1566.82,"end":1567.0599,"confidence":0.9943423,"punctuated_word":"Rent","sentiment":"neutral","sentiment_score":0.24966293573379517},{"word":"free","start":1567.0599,"end":1567.22,"confidence":0.99396414,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.2219841629266739},{"word":"to","start":1567.22,"end":1567.46,"confidence":0.9979048,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27246251702308655},{"word":"us","start":1567.46,"end":1567.62,"confidence":0.92095035,"punctuated_word":"us.","sentiment":"positive","sentiment_score":0.3388734459877014},{"word":"yeah","start":1567.62,"end":1567.94,"confidence":0.8630337,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14778226613998413},{"word":"yes","start":1567.94,"end":1568.26,"confidence":0.7619995,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12240670621395112},{"word":"just","start":1568.26,"end":1568.5,"confidence":0.90377355,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.10939490050077438},{"word":"just","start":1568.5,"end":1568.9,"confidence":0.9848273,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08502564579248428},{"word":"just","start":1568.9,"end":1569.0599,"confidence":0.9407165,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13138586282730105},{"word":"an","start":1569.0599,"end":1569.22,"confidence":0.6943083,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1401546150445938},{"word":"asset","start":1569.22,"end":1569.72,"confidence":0.9943263,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.24222257733345032},{"word":"appreciating","start":1570.02,"end":1570.52,"confidence":0.9104755,"punctuated_word":"appreciating","sentiment":"neutral","sentiment_score":0.24694308638572693},{"word":"slowly","start":1570.74,"end":1571.24,"confidence":0.923071,"punctuated_word":"slowly.","sentiment":"neutral","sentiment_score":0.1844550520181656},{"word":"yeah","start":1571.38,"end":1571.88,"confidence":0.7584627,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.5094544291496277},{"word":"yes","start":1584.195,"end":1584.695,"confidence":0.9933115,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.030421346426010132},{"word":"yep","start":1588.2749,"end":1588.7749,"confidence":0.9871924,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.014921434223651886},{"word":"yep","start":1589.075,"end":1589.475,"confidence":0.976218,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02184019610285759},{"word":"yep","start":1589.475,"end":1589.875,"confidence":0.87503886,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02888760343194008},{"word":"that's","start":1589.875,"end":1590.115,"confidence":0.8613725,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03733299672603607},{"word":"still","start":1590.115,"end":1590.2749,"confidence":0.9995096,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.024347232654690742},{"word":"happening","start":1590.2749,"end":1590.7749,"confidence":0.9998121,"punctuated_word":"happening.","sentiment":"neutral","sentiment_score":0.07164211571216583},{"word":"i","start":1595.73,"end":1595.8099,"confidence":0.9929563,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.016504226252436638},{"word":"think","start":1595.8099,"end":1595.97,"confidence":0.99990773,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.007499046623706818},{"word":"it's","start":1595.97,"end":1596.21,"confidence":0.9996183,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.013879640027880669},{"word":"up","start":1596.21,"end":1596.45,"confidence":0.9998832,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.011234231293201448},{"word":"to","start":1596.45,"end":1596.61,"confidence":0.99932635,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02025495283305645},{"word":"80,000","start":1596.61,"end":1597.33,"confidence":0.99936223,"punctuated_word":"80,000","sentiment":"neutral","sentiment_score":0.028191089630126953},{"word":"there","start":1597.33,"end":1597.6499,"confidence":0.65975416,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.020744945853948593},{"word":"83","start":1597.6499,"end":1598.37,"confidence":0.9971096,"punctuated_word":"83","sentiment":"neutral","sentiment_score":0.005333116743713617},{"word":"eighty","start":1598.37,"end":1598.69,"confidence":0.9164249,"punctuated_word":"eighty","sentiment":"neutral","sentiment_score":0.002154367044568062},{"word":"3","start":1598.69,"end":1598.9299,"confidence":0.7860069,"punctuated_word":"3,","sentiment":"neutral","sentiment_score":0.0010288124904036522},{"word":"was","start":1598.9299,"end":1599.1699,"confidence":0.99558467,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.003615275956690311},{"word":"it","start":1599.1699,"end":1599.57,"confidence":0.99758106,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.008023352362215519},{"word":"let's","start":1599.57,"end":1599.8099,"confidence":0.7901062,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.003929933533072472},{"word":"see","start":1599.8099,"end":1599.89,"confidence":0.7692348,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.005748591385781765},{"word":"i","start":1599.89,"end":1600.0499,"confidence":0.89022416,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0016993358731269836},{"word":"was","start":1600.0499,"end":1600.21,"confidence":0.6314237,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.008881654590368271},{"word":"looking","start":1600.21,"end":1600.5299,"confidence":0.5378357,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0003705434501171112},{"word":"at","start":1600.5299,"end":1600.61,"confidence":0.773379,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.009345989674329758},{"word":"the","start":1600.61,"end":1600.69,"confidence":0.84764796,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.001552097499370575},{"word":"spreadsheet","start":1600.69,"end":1601.09,"confidence":0.8568703,"punctuated_word":"spreadsheet.","sentiment":"neutral","sentiment_score":-0.001905664335936308},{"word":"it","start":1601.09,"end":1601.1699,"confidence":0.8650784,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.005679221823811531},{"word":"should","start":1601.1699,"end":1601.33,"confidence":0.9960479,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.017307298257946968},{"word":"be","start":1601.33,"end":1601.4099,"confidence":0.9756211,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01166910957545042},{"word":"in","start":1601.4099,"end":1601.49,"confidence":0.9345987,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01025191694498062},{"word":"here","start":1601.49,"end":1601.6499,"confidence":0.9640955,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.01797616109251976},{"word":"somewhere","start":1601.6499,"end":1602.1499,"confidence":0.9961927,"punctuated_word":"somewhere.","sentiment":"neutral","sentiment_score":0.010328547097742558},{"word":"why","start":1606.37,"end":1606.5299,"confidence":0.6183209,"punctuated_word":"Why","sentiment":"neutral","sentiment_score":-0.04314209520816803},{"word":"is","start":1606.5299,"end":1606.69,"confidence":0.77735895,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05628688633441925},{"word":"it","start":1606.69,"end":1606.7699,"confidence":0.90824056,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05595250427722931},{"word":"not","start":1606.7699,"end":1606.9299,"confidence":0.30490565,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06775116175413132},{"word":"in","start":1606.9299,"end":1607.09,"confidence":0.9904193,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0644150897860527},{"word":"there","start":1607.09,"end":1607.505,"confidence":0.9775778,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":-0.05456637591123581},{"word":"it's","start":1607.505,"end":1608.005,"confidence":0.59201103,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.04419546574354172},{"word":"asking","start":1608.0651,"end":1608.385,"confidence":0.38622114,"punctuated_word":"asking","sentiment":"neutral","sentiment_score":-0.02522944286465645},{"word":"the","start":1608.385,"end":1608.465,"confidence":0.32450905,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.034350816160440445},{"word":"person","start":1608.465,"end":1608.785,"confidence":0.8865657,"punctuated_word":"person","sentiment":"neutral","sentiment_score":-0.025157056748867035},{"word":"that","start":1608.785,"end":1608.945,"confidence":0.9514105,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.034159302711486816},{"word":"created","start":1608.945,"end":1609.345,"confidence":0.99736506,"punctuated_word":"created","sentiment":"neutral","sentiment_score":-0.03106638416647911},{"word":"the","start":1609.345,"end":1609.425,"confidence":0.96052504,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02972477674484253},{"word":"spreadsheet","start":1609.425,"end":1609.925,"confidence":0.9922856,"punctuated_word":"spreadsheet.","sentiment":"neutral","sentiment_score":-0.024053744971752167},{"word":"that's","start":1610.385,"end":1610.625,"confidence":0.99949694,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.018212120980024334},{"word":"the","start":1610.625,"end":1610.785,"confidence":0.9993579,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.022067200392484665},{"word":"other","start":1610.785,"end":1611.025,"confidence":0.995752,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.013932069763541222},{"word":"spreadsheet","start":1611.025,"end":1611.505,"confidence":0.83566284,"punctuated_word":"spreadsheet,","sentiment":"neutral","sentiment_score":-0.012008198536932468},{"word":"though","start":1611.505,"end":1611.905,"confidence":0.96129036,"punctuated_word":"though.","sentiment":"neutral","sentiment_score":-0.01324282493442297},{"word":"yeah","start":1611.905,"end":1612.405,"confidence":0.91341865,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017718598246574402},{"word":"that's","start":1612.705,"end":1612.945,"confidence":0.99970686,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03021301701664925},{"word":"the","start":1612.945,"end":1613.025,"confidence":0.99973077,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018054788932204247},{"word":"one","start":1613.025,"end":1613.265,"confidence":0.9999119,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.044979486614465714},{"word":"where","start":1613.265,"end":1613.385,"confidence":0.9995815,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.02345581352710724},{"word":"i","start":1613.385,"end":1613.505,"confidence":0.99762505,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.030014777556061745},{"word":"said","start":1613.505,"end":1613.745,"confidence":0.9585555,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.04040256142616272},{"word":"i'm","start":1613.745,"end":1613.905,"confidence":0.94859266,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.01909496635198593},{"word":"working","start":1613.905,"end":1614.225,"confidence":0.95773476,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.01764082908630371},{"word":"50%","start":1614.225,"end":1615.045,"confidence":0.9948448,"punctuated_word":"50%.","sentiment":"neutral","sentiment_score":0.03936995938420296},{"word":"yeah","start":1615.265,"end":1615.585,"confidence":0.9992096,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1717061996459961},{"word":"that's","start":1615.585,"end":1615.745,"confidence":0.9989417,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.35195791721343994},{"word":"a","start":1615.745,"end":1615.905,"confidence":0.98893356,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.38924986124038696},{"word":"good","start":1615.905,"end":1616.0651,"confidence":0.99975175,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3564547598361969},{"word":"one","start":1616.0651,"end":1616.465,"confidence":0.9991169,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.32115471363067627},{"word":"that's","start":1616.465,"end":1616.545,"confidence":0.66156644,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4146004617214203},{"word":"a","start":1616.545,"end":1616.705,"confidence":0.9906328,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3883976936340332},{"word":"good","start":1616.705,"end":1616.865,"confidence":0.99873966,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2907120883464813},{"word":"one","start":1616.865,"end":1617.365,"confidence":0.9826158,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.26470881700515747},{"word":"so","start":1620.7001,"end":1620.86,"confidence":0.6760341,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.012517472729086876},{"word":"what","start":1620.86,"end":1620.9401,"confidence":0.95239776,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.002163296565413475},{"word":"have","start":1620.9401,"end":1621.02,"confidence":0.6326415,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.005693698301911354},{"word":"we","start":1621.02,"end":1621.3,"confidence":0.84833914,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.015724265947937965},{"word":"got","start":1621.3,"end":1621.5801,"confidence":0.998762,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.004819471389055252},{"word":"there","start":1621.5801,"end":1622.0801,"confidence":0.992444,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.004263707436621189},{"word":"there","start":1622.62,"end":1622.86,"confidence":0.5860371,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.028076276183128357},{"word":"it","start":1622.86,"end":1623.36,"confidence":0.99254507,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01871718093752861},{"word":"is","start":1626.2201,"end":1626.54,"confidence":0.9960568,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.01908758096396923},{"word":"but","start":1626.54,"end":1626.78,"confidence":0.27532786,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.05214515328407288},{"word":"you","start":1626.78,"end":1626.9401,"confidence":0.6652243,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06019572541117668},{"word":"can't","start":1626.9401,"end":1627.18,"confidence":0.943153,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.06523790210485458},{"word":"no","start":1627.3401,"end":1627.5,"confidence":0.93495536,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12286415696144104},{"word":"you","start":1627.5,"end":1627.5801,"confidence":0.99825054,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.21283018589019775},{"word":"can't","start":1627.5801,"end":1627.74,"confidence":0.99869835,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1566363275051117},{"word":"see","start":1627.74,"end":1627.9,"confidence":0.99842405,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.1593671888113022},{"word":"it","start":1627.9,"end":1627.98,"confidence":0.99632543,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11755312234163284},{"word":"from","start":1627.98,"end":1628.14,"confidence":0.9992441,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.17921538650989532},{"word":"an","start":1628.14,"end":1628.2201,"confidence":0.99872404,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.16033728420734406},{"word":"email","start":1628.2201,"end":1628.54,"confidence":0.96948826,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":-0.14599628746509552},{"word":"you","start":1628.54,"end":1628.62,"confidence":0.9864391,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.16192437708377838},{"word":"gotta","start":1628.62,"end":1628.78,"confidence":0.36574936,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.14047884941101074},{"word":"log","start":1628.78,"end":1628.9401,"confidence":0.9788207,"punctuated_word":"log","sentiment":"neutral","sentiment_score":-0.11194931715726852},{"word":"in","start":1628.9401,"end":1629.1001,"confidence":0.9940623,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.10650581121444702},{"word":"oh","start":1629.1001,"end":1629.3401,"confidence":0.94170976,"punctuated_word":"Oh.","sentiment":"neutral","sentiment_score":-0.07038474082946777},{"word":"so","start":1629.3401,"end":1629.5,"confidence":0.9934615,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07233880460262299},{"word":"if","start":1629.5,"end":1629.5801,"confidence":0.9974783,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07807256281375885},{"word":"you","start":1629.5801,"end":1629.74,"confidence":0.99945146,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.067377008497715},{"word":"haven't","start":1629.74,"end":1629.9,"confidence":0.99858695,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.05951948836445808},{"word":"got","start":1629.9,"end":1629.98,"confidence":0.9560249,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.07885776460170746},{"word":"it","start":1629.98,"end":1630.06,"confidence":0.88424444,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.052248891443014145},{"word":"written","start":1630.06,"end":1630.3,"confidence":0.98750055,"punctuated_word":"written","sentiment":"neutral","sentiment_score":-0.06049424409866333},{"word":"in","start":1630.3,"end":1630.4601,"confidence":0.7475547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07747752964496613},{"word":"a","start":1630.4601,"end":1630.54,"confidence":0.83178306,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0667777955532074},{"word":"spreadsheet","start":1630.54,"end":1630.9401,"confidence":0.9952547,"punctuated_word":"spreadsheet,","sentiment":"neutral","sentiment_score":-0.07007605582475662},{"word":"you","start":1630.9401,"end":1631.1001,"confidence":0.9992774,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1472984254360199},{"word":"can't","start":1631.1001,"end":1631.3401,"confidence":0.9816045,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.09406250715255736},{"word":"see","start":1631.3401,"end":1631.42,"confidence":0.9921429,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.07745590060949326},{"word":"it","start":1631.42,"end":1631.5,"confidence":0.97672385,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.07111939787864685},{"word":"and","start":1631.5,"end":1631.66,"confidence":0.21628895,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.030453503131866455},{"word":"i'll","start":1631.66,"end":1631.8201,"confidence":0.6967516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.010877059772610664},{"word":"put","start":1631.8201,"end":1631.98,"confidence":0.5369779,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0005698539316654205},{"word":"in","start":1631.98,"end":1632.2201,"confidence":0.9029018,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.023889407515525814},{"word":"the","start":1632.2201,"end":1632.555,"confidence":0.30344647,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02881015837192535},{"word":"spreadsheet","start":1640.0751,"end":1640.5751,"confidence":0.99602914,"punctuated_word":"spreadsheet.","sentiment":"neutral","sentiment_score":0.009205183014273643},{"word":"it","start":1641.1151,"end":1641.275,"confidence":0.8926141,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.08974131941795349},{"word":"goes","start":1641.275,"end":1641.515,"confidence":0.94850105,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.11225607991218568},{"word":"up","start":1641.515,"end":1641.755,"confidence":0.9784057,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.11685913801193236},{"word":"a","start":1641.755,"end":1641.8351,"confidence":0.30487436,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1171785444021225},{"word":"great","start":1641.8351,"end":1642.155,"confidence":0.8378801,"punctuated_word":"great","sentiment":"neutral","sentiment_score":0.14306876063346863},{"word":"rate","start":1642.155,"end":1642.3151,"confidence":0.9775565,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.23473866283893585},{"word":"or","start":1642.3151,"end":1642.4751,"confidence":0.82615006,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0759539008140564},{"word":"not","start":1642.4751,"end":1642.635,"confidence":0.73959446,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":0.01673831045627594},{"word":"so","start":1642.635,"end":1642.795,"confidence":0.54266566,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04608200490474701},{"word":"it's","start":1642.795,"end":1643.1151,"confidence":0.99202013,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06693603098392487},{"word":"insane","start":1643.1151,"end":1643.6151,"confidence":0.7077619,"punctuated_word":"insane.","sentiment":"neutral","sentiment_score":0.05530598759651184},{"word":"because","start":1643.8351,"end":1644.0751,"confidence":0.9344091,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.041648730635643005},{"word":"they","start":1644.0751,"end":1644.2351,"confidence":0.76393497,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.061639636754989624},{"word":"match","start":1644.2351,"end":1644.4751,"confidence":0.99688774,"punctuated_word":"match","sentiment":"neutral","sentiment_score":0.06932283937931061},{"word":"whatever","start":1644.4751,"end":1644.9551,"confidence":0.9457109,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.06436575949192047},{"word":"i","start":1644.9551,"end":1645.035,"confidence":0.9969258,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07512272894382477},{"word":"buy","start":1645.035,"end":1645.275,"confidence":0.8745707,"punctuated_word":"buy.","sentiment":"neutral","sentiment_score":0.026240086182951927},{"word":"they","start":1645.275,"end":1645.435,"confidence":0.99596137,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.045709315687417984},{"word":"match","start":1645.435,"end":1645.755,"confidence":0.99860805,"punctuated_word":"match","sentiment":"neutral","sentiment_score":0.04560801759362221},{"word":"every","start":1645.755,"end":1646.16,"confidence":0.99913055,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.031435832381248474},{"word":"three","start":1646.24,"end":1646.44,"confidence":0.99930775,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.02045211941003799},{"word":"like","start":1646.64,"end":1647.12,"confidence":0.49480873,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03691286966204643},{"word":"in","start":1647.12,"end":1647.28,"confidence":0.5251783,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.027216903865337372},{"word":"the","start":1647.28,"end":1647.6,"confidence":0.8612415,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.041430968791246414},{"word":"rolling","start":1647.6,"end":1648.0,"confidence":0.9763934,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.0542239248752594},{"word":"three","start":1648.0,"end":1648.24,"confidence":0.9940713,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.0007414817810058594},{"word":"year","start":1648.24,"end":1648.48,"confidence":0.9966798,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0389285534620285},{"word":"period","start":1648.48,"end":1648.88,"confidence":0.86807454,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.021578285843133926},{"word":"so","start":1648.88,"end":1649.38,"confidence":0.9982717,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06825851649045944},{"word":"so","start":1650.4,"end":1650.56,"confidence":0.6774288,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.22387085855007172},{"word":"pretty","start":1650.56,"end":1651.04,"confidence":0.992661,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.17783190310001373},{"word":"pretty","start":1651.04,"end":1651.36,"confidence":0.9366023,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.10442595183849336},{"word":"much","start":1651.36,"end":1651.6,"confidence":0.99734986,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.005965298041701317},{"word":"50%","start":1651.6,"end":1652.24,"confidence":0.9985714,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.01845102198421955},{"word":"shares","start":1652.24,"end":1652.56,"confidence":0.95831525,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.021955683827400208},{"word":"because","start":1652.56,"end":1653.06,"confidence":0.89535403,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.015837732702493668},{"word":"yeah","start":1653.4401,"end":1653.8401,"confidence":0.9205724,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.020400965586304665},{"word":"88,000","start":1653.8401,"end":1654.74,"confidence":0.9919464,"punctuated_word":"88,000.","sentiment":"neutral","sentiment_score":0.017224501818418503},{"word":"oh","start":1654.9601,"end":1655.12,"confidence":0.86909354,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.010556386783719065},{"word":"you","start":1655.12,"end":1655.2001,"confidence":0.9956268,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004214162938296795},{"word":"found","start":1655.2001,"end":1655.52,"confidence":0.956904,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.01236090250313282},{"word":"it","start":1655.52,"end":1656.02,"confidence":0.88575816,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.0065967021510005},{"word":"eight","start":1656.24,"end":1656.74,"confidence":0.48111352,"punctuated_word":"Eight","sentiment":"neutral","sentiment_score":0.03801929950714111},{"word":"eight","start":1656.8,"end":1657.04,"confidence":0.81209755,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":-0.005219560116529465},{"word":"no","start":1657.2001,"end":1657.7001,"confidence":0.87931013,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.0005823057144880295},{"word":"yep","start":1658.0,"end":1658.175,"confidence":0.8832675,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011429022066295149},{"word":"yeah","start":1661.6951,"end":1661.935,"confidence":0.9820437,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.002912155818194151},{"word":"that's","start":1661.935,"end":1662.175,"confidence":0.96824884,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0010208215098828075},{"word":"where","start":1662.175,"end":1662.3351,"confidence":0.48501286,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.0018995609134435656},{"word":"it's","start":1662.3351,"end":1662.495,"confidence":0.8551495,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0005451689357869327},{"word":"80","start":1662.495,"end":1662.8151,"confidence":0.9069654,"punctuated_word":"80","sentiment":"neutral","sentiment_score":0.005415149033069611},{"word":"thousand","start":1662.8151,"end":1663.135,"confidence":0.9976857,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.001408340409398079},{"word":"703","start":1663.135,"end":1664.175,"confidence":0.9788105,"punctuated_word":"703.","sentiment":"neutral","sentiment_score":0.0009101550094783306},{"word":"so","start":1664.175,"end":1664.255,"confidence":0.6854697,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.00622551329433918},{"word":"80,000","start":1664.255,"end":1664.8151,"confidence":0.9744012,"punctuated_word":"80,000,","sentiment":"neutral","sentiment_score":-0.010470747947692873},{"word":"not","start":1664.8151,"end":1664.9751,"confidence":0.99914145,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.01387307606637478},{"word":"88","start":1664.9751,"end":1665.375,"confidence":0.71041167,"punctuated_word":"88.","sentiment":"neutral","sentiment_score":-0.006671079900115728},{"word":"okay","start":1665.375,"end":1665.6951,"confidence":0.83653,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.008691463619470596},{"word":"yeah","start":1665.6951,"end":1666.1951,"confidence":0.874995,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03229698911309242},{"word":"can't","start":1666.255,"end":1666.5751,"confidence":0.85689086,"punctuated_word":"Can't","sentiment":"neutral","sentiment_score":-0.051103200763463974},{"word":"read","start":1666.5751,"end":1666.7351,"confidence":0.99211544,"punctuated_word":"read","sentiment":"neutral","sentiment_score":-0.06399880349636078},{"word":"the","start":1666.7351,"end":1666.895,"confidence":0.35657513,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07384554296731949},{"word":"numbers","start":1667.6951,"end":1668.175,"confidence":0.96866167,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":-0.044183168560266495},{"word":"where","start":1668.175,"end":1668.3351,"confidence":0.9899303,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.0821463093161583},{"word":"they","start":1668.3351,"end":1668.495,"confidence":0.997442,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.07109173387289047},{"word":"aren't","start":1668.495,"end":1668.8151,"confidence":0.81600887,"punctuated_word":"aren't.","sentiment":"neutral","sentiment_score":-0.04418554529547691},{"word":"80,000","start":1668.8151,"end":1669.4551,"confidence":0.9765605,"punctuated_word":"80,000.","sentiment":"neutral","sentiment_score":-0.007993255741894245},{"word":"80,000","start":1669.4551,"end":1670.115,"confidence":0.9884379,"punctuated_word":"80,000.","sentiment":"neutral","sentiment_score":-0.003048516809940338},{"word":"well","start":1671.3201,"end":1671.64,"confidence":0.8256513,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0012731412425637243},{"word":"let","start":1671.64,"end":1671.8,"confidence":0.7857361,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.0013380516320466995},{"word":"me","start":1671.8,"end":1671.9601,"confidence":0.9986265,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0011520925909280777},{"word":"look","start":1671.9601,"end":1672.4601,"confidence":0.9729475,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.004007571376860142},{"word":"yep","start":1672.52,"end":1673.02,"confidence":0.89036334,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0012243750970810652},{"word":"yep","start":1674.04,"end":1674.54,"confidence":0.84096897,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.040718115866184235},{"word":"it'll","start":1675.48,"end":1675.8,"confidence":0.66006356,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.04887832701206207},{"word":"definitely","start":1675.8,"end":1676.2001,"confidence":0.99838686,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.0657375305891037},{"word":"go","start":1676.2001,"end":1676.36,"confidence":0.99883705,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07377052307128906},{"word":"up","start":1676.36,"end":1676.6,"confidence":0.7734973,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.011905331164598463},{"word":"but","start":1676.6,"end":1676.76,"confidence":0.9106343,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.031505513936281204},{"word":"yeah","start":1676.76,"end":1676.92,"confidence":0.8863294,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.06204324960708618},{"word":"it's","start":1676.92,"end":1677.16,"confidence":0.981037,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0603327676653862},{"word":"it's","start":1677.16,"end":1677.3201,"confidence":0.99088424,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08115682005882263},{"word":"going","start":1677.3201,"end":1677.64,"confidence":0.6295436,"punctuated_word":"going.","sentiment":"neutral","sentiment_score":0.1233011856675148},{"word":"i","start":1677.64,"end":1677.76,"confidence":0.18213831,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1502925008535385},{"word":"can","start":1677.76,"end":1677.88,"confidence":0.75881827,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1063389703631401},{"word":"yeah","start":1678.52,"end":1679.02,"confidence":0.89953303,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.14495155215263367},{"word":"yep","start":1684.36,"end":1684.86,"confidence":0.94732666,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.044033072888851166},{"word":"just","start":1684.92,"end":1685.3201,"confidence":0.95617014,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.013175582513213158},{"word":"keep","start":1685.3201,"end":1685.8201,"confidence":0.7895493,"punctuated_word":"keep.","sentiment":"neutral","sentiment_score":0.015083540230989456},{"word":"yep","start":1687.065,"end":1687.3049,"confidence":0.9350097,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03694101795554161},{"word":"retirement","start":1687.3049,"end":1687.8049,"confidence":0.82755816,"punctuated_word":"Retirement.","sentiment":"neutral","sentiment_score":0.0280245840549469},{"word":"yep","start":1688.105,"end":1688.605,"confidence":0.9305158,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.057033948600292206},{"word":"because","start":1688.665,"end":1688.985,"confidence":0.9820572,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.09132032841444016},{"word":"i'll","start":1688.985,"end":1689.225,"confidence":0.89807963,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12180297076702118},{"word":"keep","start":1689.225,"end":1689.625,"confidence":0.9999603,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.15077893435955048},{"word":"growing","start":1689.625,"end":1690.105,"confidence":0.99287236,"punctuated_word":"growing","sentiment":"neutral","sentiment_score":0.17315031588077545},{"word":"and","start":1690.105,"end":1690.345,"confidence":0.998517,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14675448834896088},{"word":"getting","start":1690.345,"end":1690.585,"confidence":0.9998821,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.15998128056526184},{"word":"matched","start":1690.585,"end":1690.905,"confidence":0.99951327,"punctuated_word":"matched","sentiment":"neutral","sentiment_score":0.13019303977489471},{"word":"as","start":1690.905,"end":1691.065,"confidence":0.96514046,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13947686553001404},{"word":"long","start":1691.065,"end":1691.3049,"confidence":0.99982244,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.1472596824169159},{"word":"as","start":1691.3049,"end":1691.385,"confidence":0.9986168,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1406458467245102},{"word":"i","start":1691.385,"end":1691.465,"confidence":0.98318315,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10425086319446564},{"word":"you","start":1691.5449,"end":1691.625,"confidence":0.5479883,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09754544496536256},{"word":"know","start":1691.625,"end":1691.785,"confidence":0.9202005,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.09535618126392365},{"word":"if","start":1691.785,"end":1691.945,"confidence":0.90461284,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11650587618350984},{"word":"i","start":1691.945,"end":1692.025,"confidence":0.9419838,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07797245681285858},{"word":"work","start":1692.025,"end":1692.265,"confidence":0.95506465,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.06923981755971909},{"word":"to","start":1692.265,"end":1692.4249,"confidence":0.97823185,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08591924607753754},{"word":"60","start":1692.4249,"end":1692.745,"confidence":0.99769485,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.096762515604496},{"word":"they'll","start":1692.745,"end":1692.985,"confidence":0.99762803,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.09602051973342896},{"word":"keep","start":1692.985,"end":1693.465,"confidence":0.9999014,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.11085036396980286},{"word":"matching","start":1693.465,"end":1693.785,"confidence":0.99929404,"punctuated_word":"matching","sentiment":"neutral","sentiment_score":0.10314814001321793},{"word":"them","start":1693.785,"end":1694.025,"confidence":0.99766624,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.11370140314102171},{"word":"till","start":1694.025,"end":1694.265,"confidence":0.9129008,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.07959869503974915},{"word":"i'm","start":1694.265,"end":1694.505,"confidence":0.99918324,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07972075790166855},{"word":"60","start":1694.505,"end":1694.985,"confidence":0.9813086,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.09005093574523926},{"word":"so","start":1694.985,"end":1695.485,"confidence":0.97260994,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.144057959318161},{"word":"yep","start":1705.96,"end":1706.46,"confidence":0.8548932,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16378559172153473},{"word":"yep","start":1717.2351,"end":1717.7351,"confidence":0.88772404,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12129512429237366},{"word":"yep","start":1736.87,"end":1737.37,"confidence":0.80988806,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.07994204014539719},{"word":"yeah","start":1743.845,"end":1744.345,"confidence":0.7460612,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.008343970403075218},{"word":"we'd","start":1749.205,"end":1749.445,"confidence":0.89696985,"punctuated_word":"We'd","sentiment":"neutral","sentiment_score":-0.0433061420917511},{"word":"probably","start":1749.445,"end":1749.845,"confidence":0.99950325,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.05561564862728119},{"word":"sell","start":1749.845,"end":1750.005,"confidence":0.9819488,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.09607286751270294},{"word":"it","start":1750.005,"end":1750.125,"confidence":0.9810555,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0635116696357727},{"word":"i","start":1750.125,"end":1750.245,"confidence":0.63346636,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.017033115029335022},{"word":"think","start":1750.245,"end":1750.565,"confidence":0.9931636,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.007078029215335846},{"word":"we'd","start":1750.565,"end":1750.8049,"confidence":0.9927627,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.016250159591436386},{"word":"sell","start":1750.8049,"end":1751.0449,"confidence":0.9994165,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.03718474879860878},{"word":"it","start":1751.0449,"end":1751.365,"confidence":0.99934787,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.024662166833877563},{"word":"depending","start":1751.365,"end":1751.765,"confidence":0.87429446,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.014951810240745544},{"word":"on","start":1751.765,"end":1752.085,"confidence":0.7078421,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.017362315207719803},{"word":"you","start":1752.085,"end":1752.39,"confidence":0.8140719,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00901944562792778},{"word":"know","start":1752.47,"end":1752.63,"confidence":0.9998417,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.01992262527346611},{"word":"what","start":1752.63,"end":1752.79,"confidence":0.99987113,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.039126958698034286},{"word":"was","start":1752.79,"end":1752.87,"confidence":0.9965564,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05598118528723717},{"word":"going","start":1752.87,"end":1753.1901,"confidence":0.99985075,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.034322187304496765},{"word":"on","start":1753.1901,"end":1753.35,"confidence":0.9992737,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04818335920572281},{"word":"with","start":1753.35,"end":1753.43,"confidence":0.9994444,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07500416040420532},{"word":"us","start":1753.43,"end":1753.67,"confidence":0.9493855,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":-0.050915688276290894},{"word":"if","start":1753.67,"end":1753.75,"confidence":0.9982134,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.08613650500774384},{"word":"we","start":1753.75,"end":1753.91,"confidence":0.9997067,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07792913913726807},{"word":"were","start":1753.91,"end":1754.23,"confidence":0.9969105,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.12018544971942902},{"word":"not","start":1754.23,"end":1754.39,"confidence":0.99518114,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.14753662049770355},{"word":"well","start":1754.39,"end":1754.71,"confidence":0.9961669,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.1677856147289276},{"word":"and","start":1754.71,"end":1755.03,"confidence":0.29299608,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13893285393714905},{"word":"had","start":1755.03,"end":1755.1901,"confidence":0.93062264,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.12667672336101532},{"word":"to","start":1755.1901,"end":1755.35,"confidence":0.99055344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1314527690410614},{"word":"downgrade","start":1755.35,"end":1755.75,"confidence":0.9659118,"punctuated_word":"downgrade","sentiment":"neutral","sentiment_score":-0.06427441537380219},{"word":"at","start":1755.75,"end":1755.83,"confidence":0.47527787,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.11978287994861604},{"word":"home","start":1755.83,"end":1756.0701,"confidence":0.9890996,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":-0.07182028889656067},{"word":"we'd","start":1756.0701,"end":1756.23,"confidence":0.9178908,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.0688135027885437},{"word":"just","start":1756.23,"end":1756.47,"confidence":0.99418783,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06157207489013672},{"word":"probably","start":1756.47,"end":1756.79,"confidence":0.9941665,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.0706019252538681},{"word":"leave","start":1756.79,"end":1756.9501,"confidence":0.73467594,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.09899397194385529},{"word":"leave","start":1756.9501,"end":1757.03,"confidence":0.40388706,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.09633161872625352},{"word":"it","start":1757.03,"end":1757.27,"confidence":0.7410674,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0749480202794075},{"word":"and","start":1757.27,"end":1757.43,"confidence":0.7185405,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11263442039489746},{"word":"sell","start":1757.43,"end":1757.75,"confidence":0.98774636,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.09025242924690248},{"word":"this","start":1757.75,"end":1757.91,"confidence":0.99813026,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.07377466559410095},{"word":"one","start":1757.91,"end":1758.15,"confidence":0.8688803,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.05154801160097122},{"word":"but","start":1758.15,"end":1758.63,"confidence":0.99567527,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.021136101335287098},{"word":"i","start":1758.63,"end":1758.71,"confidence":0.5066106,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03922802582383156},{"word":"the","start":1758.79,"end":1759.03,"confidence":0.99115175,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023853495717048645},{"word":"intention","start":1759.03,"end":1759.43,"confidence":0.99866617,"punctuated_word":"intention","sentiment":"neutral","sentiment_score":-0.0194951593875885},{"word":"at","start":1759.43,"end":1759.59,"confidence":0.35961044,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.049456872045993805},{"word":"at","start":1759.59,"end":1759.75,"confidence":0.75163794,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05319363623857498},{"word":"this","start":1759.75,"end":1759.99,"confidence":0.99501085,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.002487577497959137},{"word":"stage","start":1759.99,"end":1760.23,"confidence":0.87732494,"punctuated_word":"stage,","sentiment":"neutral","sentiment_score":0.011033333837985992},{"word":"if","start":1760.23,"end":1760.39,"confidence":0.9868025,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.013122394680976868},{"word":"all","start":1760.39,"end":1760.55,"confidence":0.9941895,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06578147411346436},{"word":"is","start":1760.55,"end":1760.71,"confidence":0.9796745,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.016008198261260986},{"word":"going","start":1760.71,"end":1760.9501,"confidence":0.9972657,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.08675961196422577},{"word":"good","start":1760.9501,"end":1761.1901,"confidence":0.9958986,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":0.09407058358192444},{"word":"we'll","start":1761.1901,"end":1761.51,"confidence":0.9978173,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.0415671281516552},{"word":"just","start":1761.51,"end":1761.75,"confidence":0.9998629,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05997101962566376},{"word":"sell","start":1761.75,"end":1761.91,"confidence":0.99916697,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.011265553534030914},{"word":"it","start":1761.91,"end":1762.41,"confidence":0.9983647,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0020954348146915436},{"word":"yeah","start":1767.59,"end":1767.99,"confidence":0.8015646,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07516412436962128},{"word":"yeah","start":1767.99,"end":1768.335,"confidence":0.97392035,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08395339548587799},{"word":"most","start":1768.4149,"end":1768.735,"confidence":0.99271846,"punctuated_word":"Most","sentiment":"neutral","sentiment_score":0.06546936929225922},{"word":"likely","start":1768.735,"end":1769.235,"confidence":0.99670917,"punctuated_word":"likely.","sentiment":"neutral","sentiment_score":0.1161547601222992},{"word":"exactly","start":1773.7749,"end":1774.2749,"confidence":0.972597,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.312926322221756},{"word":"so","start":1774.575,"end":1774.815,"confidence":0.56991726,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11871377378702164},{"word":"to","start":1774.815,"end":1774.975,"confidence":0.87293094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.060144491493701935},{"word":"speak","start":1774.975,"end":1775.475,"confidence":0.92138356,"punctuated_word":"speak.","sentiment":"neutral","sentiment_score":0.09395920485258102},{"word":"but","start":1776.1749,"end":1776.335,"confidence":0.9929817,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.18487392365932465},{"word":"they","start":1776.335,"end":1776.575,"confidence":0.9983564,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.22818894684314728},{"word":"are","start":1776.575,"end":1777.0549,"confidence":0.99874026,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2901086211204529},{"word":"70","start":1777.0549,"end":1777.5549,"confidence":0.9987091,"punctuated_word":"70","sentiment":"neutral","sentiment_score":0.012983934953808784},{"word":"my","start":1777.9349,"end":1778.1749,"confidence":0.9974382,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.008731190115213394},{"word":"dad's","start":1778.1749,"end":1778.6549,"confidence":0.9648807,"punctuated_word":"dad's","sentiment":"neutral","sentiment_score":0.01023225113749504},{"word":"78","start":1778.6549,"end":1779.135,"confidence":0.9021469,"punctuated_word":"78,","sentiment":"neutral","sentiment_score":0.010056878440082071},{"word":"and","start":1779.135,"end":1779.375,"confidence":0.9997911,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.011270144023001194},{"word":"my","start":1779.375,"end":1779.455,"confidence":0.99956197,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.018112635239958763},{"word":"mom's","start":1779.455,"end":1779.855,"confidence":0.96462697,"punctuated_word":"mom's","sentiment":"neutral","sentiment_score":0.014973851852118967},{"word":"77","start":1779.855,"end":1780.6549,"confidence":0.9801592,"punctuated_word":"77.","sentiment":"neutral","sentiment_score":0.014636139385402204},{"word":"so","start":1780.6549,"end":1781.1549,"confidence":0.96938264,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.015998993068933487},{"word":"you","start":1781.6699,"end":1782.1699,"confidence":0.9666216,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017623145133256912},{"word":"know","start":1782.3899,"end":1782.7899,"confidence":0.9990839,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.008260728791356087},{"word":"yeah","start":1783.0299,"end":1783.5299,"confidence":0.97064817,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.02177168056368828},{"word":"no","start":1809.53,"end":1809.77,"confidence":0.9899213,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08844855427742004},{"word":"that","start":1809.77,"end":1810.01,"confidence":0.880566,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.0975034236907959},{"word":"they","start":1810.09,"end":1810.25,"confidence":0.9195748,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.09122484177350998},{"word":"won't","start":1810.25,"end":1810.57,"confidence":0.99884856,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.08704371750354767},{"word":"change","start":1810.57,"end":1810.97,"confidence":0.9986578,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.045529626309871674},{"word":"ever","start":1810.97,"end":1811.29,"confidence":0.9687166,"punctuated_word":"ever.","sentiment":"neutral","sentiment_score":-0.05470982939004898},{"word":"it's","start":1811.29,"end":1811.61,"confidence":0.8129636,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.01668492704629898},{"word":"everything","start":1811.77,"end":1812.09,"confidence":0.47449368,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.01614370383322239},{"word":"goes","start":1812.09,"end":1812.33,"confidence":0.96671385,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.006129652261734009},{"word":"to","start":1812.33,"end":1812.41,"confidence":0.88736874,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07403835654258728},{"word":"our","start":1812.41,"end":1812.57,"confidence":0.9448166,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.07069645822048187},{"word":"daughter","start":1812.57,"end":1812.89,"confidence":0.99956566,"punctuated_word":"daughter","sentiment":"neutral","sentiment_score":-0.07656363397836685},{"word":"and","start":1812.89,"end":1813.37,"confidence":0.9784815,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0824676901102066},{"word":"me","start":1813.37,"end":1813.87,"confidence":0.6720113,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.06452533602714539},{"word":"so","start":1814.1699,"end":1814.49,"confidence":0.51488304,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.011760499328374864},{"word":"me","start":1814.49,"end":1814.99,"confidence":0.58304673,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.015241707675158978},{"word":"so","start":1815.0499,"end":1815.53,"confidence":0.97182816,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0113321952521801},{"word":"that","start":1815.53,"end":1815.69,"confidence":0.80363154,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01923191174864769},{"word":"will","start":1815.69,"end":1815.85,"confidence":0.9842965,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.016695532947778702},{"word":"never","start":1815.85,"end":1816.1699,"confidence":0.99923956,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.028214726597070697},{"word":"change","start":1816.1699,"end":1816.6699,"confidence":0.99929696,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":0.041107140481472015},{"word":"we","start":1817.13,"end":1817.29,"confidence":0.98005986,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.08689907193183899},{"word":"only","start":1817.29,"end":1817.53,"confidence":0.9752932,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.11792318522930144},{"word":"have","start":1817.53,"end":1817.69,"confidence":0.99859184,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.31479379534721375},{"word":"one","start":1817.69,"end":1817.9299,"confidence":0.9993229,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2056974172592163},{"word":"child","start":1817.9299,"end":1818.1699,"confidence":0.96268123,"punctuated_word":"child.","sentiment":"neutral","sentiment_score":0.2999091148376465},{"word":"it's","start":1818.1699,"end":1818.41,"confidence":0.9939028,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4841900765895843},{"word":"easy","start":1818.41,"end":1818.91,"confidence":0.9996786,"punctuated_word":"easy.","sentiment":"positive","sentiment_score":0.5111472010612488},{"word":"we","start":1827.505,"end":1827.745,"confidence":0.5028226,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.40546858310699463},{"word":"made","start":1827.745,"end":1827.985,"confidence":0.99806136,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.508575439453125},{"word":"it","start":1827.985,"end":1828.145,"confidence":0.99686915,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4130896329879761},{"word":"so","start":1828.145,"end":1828.225,"confidence":0.60716194,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.36447426676750183},{"word":"it","start":1828.225,"end":1828.3049,"confidence":0.9868548,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3595050871372223},{"word":"was","start":1828.3049,"end":1828.5449,"confidence":0.9966523,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.3284800946712494},{"word":"just","start":1828.5449,"end":1828.865,"confidence":0.793385,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":0.32112303376197815},{"word":"like","start":1828.865,"end":1829.265,"confidence":0.9249817,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.27080702781677246},{"word":"no","start":1829.265,"end":1829.505,"confidence":0.9993498,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.25850701332092285},{"word":"matter","start":1829.505,"end":1829.745,"confidence":0.99989426,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":0.161158487200737},{"word":"what","start":1829.745,"end":1829.985,"confidence":0.9109416,"punctuated_word":"what,","sentiment":"neutral","sentiment_score":0.21348825097084043},{"word":"it","start":1829.985,"end":1830.145,"confidence":0.99549675,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23257291316986084},{"word":"was","start":1830.145,"end":1830.385,"confidence":0.9095023,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.21538084745407104},{"word":"just","start":1830.385,"end":1830.785,"confidence":0.99659485,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21813149750232697},{"word":"either","start":1830.785,"end":1831.105,"confidence":0.9679087,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.2556367516517639},{"word":"me","start":1831.105,"end":1831.4249,"confidence":0.99834,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.25667527318000793},{"word":"or","start":1831.4249,"end":1831.905,"confidence":0.998604,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1944046765565872},{"word":"katie","start":1831.905,"end":1832.385,"confidence":0.7973099,"punctuated_word":"Katie.","sentiment":"neutral","sentiment_score":0.26272064447402954},{"word":"so","start":1832.385,"end":1832.5449,"confidence":0.971126,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2140939384698868},{"word":"that","start":1832.5449,"end":1832.785,"confidence":0.97173846,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2606489062309265},{"word":"was","start":1832.785,"end":1832.9451,"confidence":0.8355803,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.25762709975242615},{"word":"just","start":1832.9451,"end":1833.105,"confidence":0.96986526,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23771320283412933},{"word":"yeah","start":1833.585,"end":1833.985,"confidence":0.9872954,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.3065662384033203},{"word":"didn't","start":1833.985,"end":1834.225,"confidence":0.9635769,"punctuated_word":"Didn't","sentiment":"neutral","sentiment_score":0.15761734545230863},{"word":"have","start":1834.225,"end":1834.385,"confidence":0.99926096,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13151369988918304},{"word":"to","start":1834.385,"end":1834.5449,"confidence":0.9993413,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1260543316602707},{"word":"change","start":1834.5449,"end":1834.785,"confidence":0.99977106,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.08793286979198456},{"word":"it","start":1834.785,"end":1834.865,"confidence":0.99808204,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12605221569538116},{"word":"later","start":1834.865,"end":1835.1849,"confidence":0.9201225,"punctuated_word":"later,","sentiment":"neutral","sentiment_score":0.13854900002479553},{"word":"and","start":1835.1849,"end":1835.345,"confidence":0.9993185,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15149688720703125},{"word":"she","start":1835.345,"end":1835.505,"confidence":0.9996556,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.1723596304655075},{"word":"could","start":1835.505,"end":1835.745,"confidence":0.9984987,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.12779711186885834},{"word":"look","start":1835.745,"end":1835.905,"confidence":0.9995821,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07029075920581818},{"word":"after","start":1835.905,"end":1836.145,"confidence":0.98650974,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.1139797493815422},{"word":"any","start":1836.145,"end":1836.465,"confidence":0.9993826,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07436219602823257},{"word":"distribution","start":1836.465,"end":1836.965,"confidence":0.9956089,"punctuated_word":"distribution.","sentiment":"neutral","sentiment_score":0.12306323647499084},{"word":"she's","start":1846.55,"end":1846.9501,"confidence":0.9865297,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":0.010591154918074608},{"word":"28","start":1846.9501,"end":1847.93,"confidence":0.997656,"punctuated_word":"28.","sentiment":"neutral","sentiment_score":0.0203121080994606},{"word":"no","start":1854.475,"end":1854.7949,"confidence":0.8064923,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.022344740107655525},{"word":"she's","start":1854.7949,"end":1855.195,"confidence":0.99252343,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.005144263617694378},{"word":"she's","start":1855.195,"end":1855.4349,"confidence":0.9958857,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.008149810135364532},{"word":"fully","start":1855.4349,"end":1855.755,"confidence":0.98788863,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.04796057194471359},{"word":"depend","start":1855.755,"end":1855.9149,"confidence":0.59764194,"punctuated_word":"depend","sentiment":"neutral","sentiment_score":0.02940310165286064},{"word":"yeah","start":1856.3949,"end":1856.5549,"confidence":0.7097609,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01223045401275158},{"word":"independent","start":1856.5549,"end":1857.0549,"confidence":0.9980842,"punctuated_word":"Independent","sentiment":"neutral","sentiment_score":0.03520924597978592},{"word":"herself","start":1857.2749,"end":1857.7749,"confidence":0.99640393,"punctuated_word":"herself.","sentiment":"neutral","sentiment_score":0.037265390157699585},{"word":"she's","start":1858.075,"end":1858.315,"confidence":0.99366146,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":0.09372846782207488},{"word":"got","start":1858.315,"end":1858.475,"confidence":0.9956321,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10519415885210036},{"word":"a","start":1858.475,"end":1858.5549,"confidence":0.9889675,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09892119467258452},{"word":"husband","start":1858.5549,"end":1859.0349,"confidence":0.9994253,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":0.1084647923707962},{"word":"and","start":1859.0349,"end":1859.355,"confidence":0.988014,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12633463740348816},{"word":"and","start":1859.355,"end":1859.5149,"confidence":0.98684156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.116812601685524},{"word":"a","start":1859.5149,"end":1859.6749,"confidence":0.97893345,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17870983481407166},{"word":"grand","start":1859.6749,"end":1859.9149,"confidence":0.7702633,"punctuated_word":"grand","sentiment":"neutral","sentiment_score":0.14681273698806763},{"word":"and","start":1859.995,"end":1860.235,"confidence":0.995717,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15366019308567047},{"word":"given","start":1860.235,"end":1860.5549,"confidence":0.7141951,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.17062386870384216},{"word":"us","start":1860.5549,"end":1860.635,"confidence":0.99578995,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.12673109769821167},{"word":"a","start":1860.635,"end":1860.7949,"confidence":0.9962501,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14126498997211456},{"word":"grandchild","start":1860.7949,"end":1861.2949,"confidence":0.99717045,"punctuated_word":"grandchild","sentiment":"neutral","sentiment_score":0.11270086467266084},{"word":"and","start":1861.4349,"end":1861.9349,"confidence":0.57321227,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05250154063105583},{"word":"yeah","start":1864.5549,"end":1865.0549,"confidence":0.9930493,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1387542337179184},{"word":"we're","start":1866.89,"end":1867.13,"confidence":0.80819094,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.005565430037677288},{"word":"afraid","start":1867.13,"end":1867.63,"confidence":0.85154617,"punctuated_word":"afraid.","sentiment":"neutral","sentiment_score":-0.03345891088247299},{"word":"oh","start":1868.57,"end":1868.73,"confidence":0.8236153,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.034107454121112823},{"word":"boy","start":1868.73,"end":1869.23,"confidence":0.9957372,"punctuated_word":"boy.","sentiment":"neutral","sentiment_score":-0.03674605116248131},{"word":"oh","start":1877.21,"end":1877.71,"confidence":0.7436179,"punctuated_word":"Oh.","sentiment":"neutral","sentiment_score":-0.01831590011715889},{"word":"yeah","start":1888.095,"end":1888.595,"confidence":0.9754324,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03713614121079445},{"word":"very","start":1889.775,"end":1890.095,"confidence":0.90324676,"punctuated_word":"Very,","sentiment":"neutral","sentiment_score":0.11956337094306946},{"word":"very","start":1890.095,"end":1890.415,"confidence":0.99938583,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.020539045333862305},{"word":"different","start":1890.415,"end":1890.8151,"confidence":0.9952158,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.04108585417270661},{"word":"vibe","start":1890.8151,"end":1891.3151,"confidence":0.9275398,"punctuated_word":"vibe.","sentiment":"neutral","sentiment_score":0.1171145886182785},{"word":"it's","start":1902.13,"end":1902.5299,"confidence":0.98564357,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.3226754665374756},{"word":"way","start":1902.5299,"end":1902.7699,"confidence":0.9982949,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.40020138025283813},{"word":"more","start":1902.7699,"end":1902.9299,"confidence":0.999706,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.3172573447227478},{"word":"fun","start":1902.9299,"end":1903.1699,"confidence":0.9994733,"punctuated_word":"fun","sentiment":"positive","sentiment_score":0.3751051425933838},{"word":"than","start":1903.1699,"end":1903.4099,"confidence":0.99917907,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.1307038515806198},{"word":"being","start":1903.4099,"end":1903.73,"confidence":0.9999409,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.2030889242887497},{"word":"a","start":1903.73,"end":1903.8099,"confidence":0.9994962,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24330034852027893},{"word":"parent","start":1903.8099,"end":1904.3099,"confidence":0.9990761,"punctuated_word":"parent.","sentiment":"neutral","sentiment_score":0.20059356093406677},{"word":"way","start":1904.69,"end":1904.9299,"confidence":0.9942181,"punctuated_word":"Way","sentiment":"positive","sentiment_score":0.511143684387207},{"word":"more","start":1904.9299,"end":1905.25,"confidence":0.9980773,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4105225801467895},{"word":"fun","start":1905.25,"end":1905.73,"confidence":0.9729574,"punctuated_word":"fun.","sentiment":"positive","sentiment_score":0.5673291683197021},{"word":"it's","start":1905.73,"end":1906.13,"confidence":0.84838223,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5382096767425537},{"word":"way","start":1906.13,"end":1906.37,"confidence":0.9933808,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.5819726586341858},{"word":"better","start":1906.37,"end":1906.87,"confidence":0.9802885,"punctuated_word":"better.","sentiment":"positive","sentiment_score":0.42622435092926025},{"word":"yeah","start":1907.0099,"end":1907.385,"confidence":0.99895895,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19649693369865415},{"word":"it's","start":1907.465,"end":1907.785,"confidence":0.99898994,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.15498009324073792},{"word":"it's","start":1907.785,"end":1908.185,"confidence":0.99926746,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09314792603254318},{"word":"way","start":1908.185,"end":1908.425,"confidence":0.9997621,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.2384016513824463},{"word":"better","start":1908.425,"end":1908.925,"confidence":0.99982464,"punctuated_word":"better.","sentiment":"neutral","sentiment_score":0.17190349102020264},{"word":"yes","start":1909.9451,"end":1910.4451,"confidence":0.99504703,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.20704619586467743},{"word":"you","start":1910.505,"end":1910.665,"confidence":0.9983954,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.23175077140331268},{"word":"get","start":1910.665,"end":1910.905,"confidence":0.9991391,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2670416533946991},{"word":"to","start":1910.905,"end":1911.0651,"confidence":0.9996247,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25787001848220825},{"word":"just","start":1911.0651,"end":1911.305,"confidence":0.99519557,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2305801510810852},{"word":"you","start":1911.465,"end":1911.545,"confidence":0.9994978,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25221970677375793},{"word":"don't","start":1911.545,"end":1911.865,"confidence":0.99994177,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.22248047590255737},{"word":"have","start":1911.865,"end":1912.025,"confidence":0.9996742,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2198357731103897},{"word":"to","start":1912.025,"end":1912.185,"confidence":0.9993581,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1739649921655655},{"word":"be","start":1912.185,"end":1912.345,"confidence":0.99963,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10916343331336976},{"word":"the","start":1912.345,"end":1912.845,"confidence":0.9997359,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1668616533279419},{"word":"the","start":1912.905,"end":1913.0651,"confidence":0.98997355,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1724701076745987},{"word":"rule","start":1913.0651,"end":1913.385,"confidence":0.8736957,"punctuated_word":"rule","sentiment":"neutral","sentiment_score":0.1871803402900696},{"word":"enforcer","start":1913.385,"end":1913.885,"confidence":0.97776186,"punctuated_word":"enforcer","sentiment":"neutral","sentiment_score":0.16815312206745148},{"word":"or","start":1914.025,"end":1914.525,"confidence":0.97738445,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2276497483253479},{"word":"any","start":1914.985,"end":1915.225,"confidence":0.9924797,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.24311165511608124},{"word":"of","start":1915.225,"end":1915.385,"confidence":0.99991345,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.33718299865722656},{"word":"that","start":1915.385,"end":1915.625,"confidence":0.9933584,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.30067941546440125},{"word":"you","start":1915.625,"end":1915.785,"confidence":0.9997557,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.37900811433792114},{"word":"get","start":1915.785,"end":1915.9451,"confidence":0.99971,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3941523730754852},{"word":"to","start":1915.9451,"end":1916.105,"confidence":0.9988544,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3921898603439331},{"word":"give","start":1916.105,"end":1916.265,"confidence":0.99968743,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.39488720893859863},{"word":"them","start":1916.265,"end":1916.505,"confidence":0.9996785,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.3984773457050323},{"word":"back","start":1916.505,"end":1916.745,"confidence":0.8892139,"punctuated_word":"back,","sentiment":"positive","sentiment_score":0.4242618680000305},{"word":"and","start":1916.745,"end":1916.905,"confidence":0.9997389,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.38134124875068665},{"word":"you","start":1916.905,"end":1917.0651,"confidence":0.9999161,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4659874439239502},{"word":"get","start":1917.0651,"end":1917.225,"confidence":0.99984014,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4756290912628174},{"word":"all","start":1917.225,"end":1917.465,"confidence":0.9996569,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.443317174911499},{"word":"the","start":1917.465,"end":1917.545,"confidence":0.9992931,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4359050989151001},{"word":"love","start":1917.545,"end":1918.045,"confidence":0.99913335,"punctuated_word":"love.","sentiment":"neutral","sentiment_score":0.3032410740852356},{"word":"yep","start":1922.35,"end":1922.85,"confidence":0.9629172,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1307651698589325},{"word":"exactly","start":1923.31,"end":1923.81,"confidence":0.8890566,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.26426827907562256},{"word":"yes","start":1938.3551,"end":1938.8551,"confidence":0.99301124,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07538539171218872},{"word":"yeah","start":1946.995,"end":1947.495,"confidence":0.9566788,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03620852157473564},{"word":"yeah","start":1954.0,"end":1954.5,"confidence":0.8733183,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07375387847423553},{"word":"yep","start":1955.2001,"end":1955.7001,"confidence":0.97777796,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.047286488115787506},{"word":"yep","start":1960.16,"end":1960.66,"confidence":0.9910981,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0187610387802124},{"word":"and","start":1960.8,"end":1961.04,"confidence":0.9590889,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.007195863872766495},{"word":"looking","start":1961.04,"end":1961.36,"confidence":0.9971668,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.005244491621851921},{"word":"at","start":1961.36,"end":1961.6,"confidence":0.97360694,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0020078644156455994},{"word":"least","start":1961.6,"end":1961.84,"confidence":0.7441058,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.008256662636995316},{"word":"at","start":1961.84,"end":1961.92,"confidence":0.34278145,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.005701383575797081},{"word":"super","start":1961.92,"end":1962.4,"confidence":0.6011128,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.015079542994499208},{"word":"two","start":1962.4,"end":1962.56,"confidence":0.73329645,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.011324917897582054},{"word":"to","start":1962.56,"end":1962.64,"confidence":0.9895475,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00955141894519329},{"word":"see","start":1962.64,"end":1962.8,"confidence":0.9994105,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.010844968259334564},{"word":"if","start":1962.8,"end":1962.88,"confidence":0.99945515,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0075146835297346115},{"word":"it's","start":1962.88,"end":1962.96,"confidence":0.9971687,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.000214754298212938},{"word":"worth","start":1962.96,"end":1963.425,"confidence":0.9479854,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.0055200643837451935},{"word":"air","start":1963.665,"end":1963.8251,"confidence":0.34173244,"punctuated_word":"air","sentiment":"neutral","sentiment_score":-0.004508383572101593},{"word":"moving","start":1963.8251,"end":1964.145,"confidence":0.55920017,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":-0.004986625164747238},{"word":"to","start":1964.145,"end":1964.305,"confidence":0.9411635,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0016528069972991943},{"word":"hubbook","start":1964.305,"end":1964.785,"confidence":0.50192785,"punctuated_word":"HubBook","sentiment":"neutral","sentiment_score":0.01691981963813305},{"word":"24","start":1964.785,"end":1965.105,"confidence":0.9957416,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.011492468416690826},{"word":"or","start":1965.105,"end":1965.265,"confidence":0.82698894,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.012012530118227003},{"word":"leaving","start":1965.265,"end":1965.5851,"confidence":0.58567274,"punctuated_word":"leaving","sentiment":"neutral","sentiment_score":0.0016097072511911392},{"word":"where","start":1965.5851,"end":1965.665,"confidence":0.9908371,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.0058112312108278275},{"word":"it","start":1965.665,"end":1965.8251,"confidence":0.9984648,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.014200888574123384},{"word":"is","start":1965.8251,"end":1965.9851,"confidence":0.99949384,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0044441670179367065},{"word":"or","start":1965.9851,"end":1966.145,"confidence":0.98128927,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.024434266611933708},{"word":"all","start":1966.145,"end":1966.385,"confidence":0.9982333,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.027797846123576164},{"word":"of","start":1966.385,"end":1966.4651,"confidence":0.9930403,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.025561684742569923},{"word":"that","start":1966.4651,"end":1966.9651,"confidence":0.93230563,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.027785886079072952},{"word":"yeah","start":1967.265,"end":1967.765,"confidence":0.9695266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04747997224330902},{"word":"yep","start":1967.9851,"end":1968.4851,"confidence":0.7919896,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1246904879808426},{"word":"yes","start":1981.79,"end":1982.29,"confidence":0.997051,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12263189256191254},{"word":"vice","start":1984.67,"end":1984.9901,"confidence":0.8097386,"punctuated_word":"Vice","sentiment":"neutral","sentiment_score":0.1390189528465271},{"word":"versa","start":1984.9901,"end":1985.4901,"confidence":0.95159084,"punctuated_word":"versa.","sentiment":"neutral","sentiment_score":0.1312825083732605},{"word":"yep","start":1986.1901,"end":1986.6901,"confidence":0.9167395,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.049419842660427094},{"word":"no","start":1989.15,"end":1989.4701,"confidence":0.81504416,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02435896545648575},{"word":"that's","start":1989.4701,"end":1989.79,"confidence":0.9739608,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.024987269192934036},{"word":"that's","start":1989.79,"end":1990.1101,"confidence":0.99755186,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2993355989456177},{"word":"good","start":1990.1101,"end":1990.6101,"confidence":0.9996779,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.05446884408593178},{"word":"yep","start":2000.845,"end":2001.345,"confidence":0.8374435,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16990599036216736},{"word":"yeah","start":2014.7101,"end":2015.2101,"confidence":0.98930323,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04777328297495842},{"word":"yeah","start":2022.365,"end":2022.865,"confidence":0.8904995,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13896092772483826},{"word":"yeah","start":2031.725,"end":2032.225,"confidence":0.906548,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1713719666004181},{"word":"yeah","start":2032.285,"end":2032.785,"confidence":0.7343714,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1731187105178833},{"word":"yep","start":2046.7,"end":2046.78,"confidence":0.80693996,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2786521017551422},{"word":"yep","start":2046.78,"end":2047.28,"confidence":0.68959004,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2765679955482483},{"word":"yes","start":2054.075,"end":2054.4749,"confidence":0.9966835,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.19101782143115997},{"word":"yep","start":2054.4749,"end":2054.795,"confidence":0.9486977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19175708293914795},{"word":"definitely","start":2054.795,"end":2055.295,"confidence":0.9994532,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.28453490138053894},{"word":"yes","start":2083.2449,"end":2083.4849,"confidence":0.7482972,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08464431017637253},{"word":"fine","start":2083.4849,"end":2083.805,"confidence":0.69166446,"punctuated_word":"Fine.","sentiment":"neutral","sentiment_score":0.15554144978523254},{"word":"yeah","start":2083.805,"end":2084.305,"confidence":0.9404489,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15523725748062134},{"word":"yep","start":2085.4849,"end":2085.8848,"confidence":0.8665947,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20160946249961853},{"word":"that'd","start":2085.8848,"end":2086.2048,"confidence":0.7863391,"punctuated_word":"That'd","sentiment":"positive","sentiment_score":0.37473011016845703},{"word":"be","start":2086.2048,"end":2086.365,"confidence":0.9961463,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.42905330657958984},{"word":"good","start":2086.365,"end":2086.865,"confidence":0.803986,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3986701369285583},{"word":"yes","start":2105.7698,"end":2106.17,"confidence":0.98566103,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.13783854246139526},{"word":"please","start":2106.17,"end":2106.67,"confidence":0.99730414,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.15960323810577393},{"word":"cool","start":2125.9949,"end":2126.4949,"confidence":0.8245888,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5159696936607361},{"word":"yeah","start":2141.15,"end":2141.65,"confidence":0.7749588,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010726351290941238},{"word":"yes","start":2147.1948,"end":2147.6948,"confidence":0.80430734,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08783210813999176},{"word":"yes","start":2181.355,"end":2181.66,"confidence":0.9545007,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.29026976227760315},{"word":"no","start":2209.8,"end":2210.04,"confidence":0.9962831,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.07338052988052368},{"word":"worries","start":2210.04,"end":2210.54,"confidence":0.99892604,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.005185938440263271},{"word":"yep","start":2263.53,"end":2264.03,"confidence":0.9868169,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.007456546183675528},{"word":"yep","start":2269.45,"end":2269.95,"confidence":0.97288215,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03555775061249733},{"word":"yep","start":2274.01,"end":2274.51,"confidence":0.7528069,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0634634718298912},{"word":"yeah","start":2275.1301,"end":2275.53,"confidence":0.9890388,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.021536968648433685},{"word":"not","start":2275.53,"end":2275.85,"confidence":0.79024506,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.08822469413280487},{"word":"at","start":2275.85,"end":2275.9302,"confidence":0.506595,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1246604099869728},{"word":"all","start":2275.9302,"end":2276.4302,"confidence":0.6877009,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.09330281615257265},{"word":"that's","start":2279.505,"end":2279.745,"confidence":0.98712003,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.38461780548095703},{"word":"okay","start":2279.745,"end":2280.245,"confidence":0.99856806,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.4165085554122925},{"word":"yeah","start":2316.0352,"end":2316.5352,"confidence":0.9870156,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3814139664173126},{"word":"i'm","start":2330.705,"end":2331.205,"confidence":0.6825216,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3675272464752197},{"word":"i'm","start":2344.065,"end":2344.225,"confidence":0.7805373,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1259075403213501},{"word":"still","start":2344.225,"end":2344.385,"confidence":0.6346693,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.10123160481452942},{"word":"happy","start":2344.385,"end":2344.625,"confidence":0.9953048,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.3170397877693176},{"word":"to","start":2344.625,"end":2344.785,"confidence":0.99324083,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31789958477020264},{"word":"keep","start":2344.785,"end":2345.025,"confidence":0.9924999,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.4153476357460022},{"word":"it","start":2345.025,"end":2345.425,"confidence":0.924513,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.33936259150505066},{"word":"yes","start":2345.425,"end":2345.825,"confidence":0.8609334,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12522071599960327},{"word":"yeah","start":2345.825,"end":2346.24,"confidence":0.9394285,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1168270856142044},{"word":"yep","start":2347.6,"end":2348.1,"confidence":0.8045567,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2465488612651825},{"word":"no","start":2372.6948,"end":2373.015,"confidence":0.9610095,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.037848420441150665},{"word":"there","start":2373.015,"end":2373.255,"confidence":0.46396276,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.10442469269037248},{"word":"shouldn't","start":2373.255,"end":2373.575,"confidence":0.811072,"punctuated_word":"shouldn't","sentiment":"neutral","sentiment_score":-0.0836074948310852},{"word":"be","start":2373.575,"end":2373.96,"confidence":0.9969805,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":-0.06753720343112946},{"word":"yep","start":2386.92,"end":2387.42,"confidence":0.8667154,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.019830845296382904},{"word":"do","start":2425.815,"end":2426.135,"confidence":0.99455357,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.03039787895977497},{"word":"i","start":2426.135,"end":2426.295,"confidence":0.9996661,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.026793409138917923},{"word":"have","start":2426.295,"end":2426.695,"confidence":0.9997017,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.036206893622875214},{"word":"trauma","start":2426.695,"end":2427.175,"confidence":0.55160326,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.03462829440832138},{"word":"in","start":2427.175,"end":2427.335,"confidence":0.9995553,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.037716902792453766},{"word":"mind","start":2427.335,"end":2427.7349,"confidence":0.86168987,"punctuated_word":"mind?","sentiment":"neutral","sentiment_score":-0.03233702480792999},{"word":"or","start":2427.7349,"end":2428.055,"confidence":0.9931631,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.03708910197019577},{"word":"oh","start":2431.7349,"end":2431.895,"confidence":0.6765095,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.029973745346069336},{"word":"no","start":2431.895,"end":2432.28,"confidence":0.98304325,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.042624108493328094},{"word":"yeah","start":2432.52,"end":2433.02,"confidence":0.9823233,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.018840353935956955},{"word":"yep","start":2439.48,"end":2439.98,"confidence":0.946877,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.006502635311335325},{"word":"yeah","start":2442.44,"end":2442.92,"confidence":0.9840573,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00672901701182127},{"word":"yeah","start":2442.92,"end":2443.32,"confidence":0.8794562,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.003727413713932038},{"word":"yeah","start":2443.32,"end":2443.72,"confidence":0.93507266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0056107500568032265},{"word":"need","start":2443.72,"end":2443.96,"confidence":0.6627647,"punctuated_word":"Need","sentiment":"neutral","sentiment_score":-0.03764307126402855},{"word":"compensation","start":2443.96,"end":2444.46,"confidence":0.58697754,"punctuated_word":"compensation.","sentiment":"neutral","sentiment_score":-0.03117639198899269},{"word":"that's","start":2444.52,"end":2444.76,"confidence":0.9948561,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.00642351433634758},{"word":"the","start":2444.76,"end":2444.84,"confidence":0.9703821,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0110548734664917},{"word":"one","start":2444.84,"end":2445.08,"confidence":0.7314337,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0054442398250103},{"word":"i","start":2445.08,"end":2445.16,"confidence":0.97592825,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02971094101667404},{"word":"got","start":2445.16,"end":2445.32,"confidence":0.9141114,"punctuated_word":"got.","sentiment":"neutral","sentiment_score":0.00843428261578083},{"word":"yeah","start":2445.32,"end":2445.72,"confidence":0.929652,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01971728727221489},{"word":"yeah","start":2445.72,"end":2446.22,"confidence":0.9932297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.025525301694869995},{"word":"yep","start":2453.775,"end":2454.275,"confidence":0.9404608,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06907853484153748},{"word":"yeah","start":2458.4949,"end":2458.815,"confidence":0.9886749,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07380769401788712},{"word":"no","start":2458.815,"end":2458.9749,"confidence":0.96273875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0328608863055706},{"word":"that's","start":2458.9749,"end":2459.2148,"confidence":0.9987114,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.21323293447494507},{"word":"good","start":2459.2148,"end":2459.4548,"confidence":0.99670994,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1375722438097},{"word":"yeah","start":2459.4548,"end":2459.6948,"confidence":0.969426,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012322120368480682},{"word":"no","start":2459.6948,"end":2459.855,"confidence":0.9882173,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.052372969686985016},{"word":"i","start":2459.855,"end":2459.9348,"confidence":0.99613047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06931708008050919},{"word":"don't","start":2459.9348,"end":2460.095,"confidence":0.9979686,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06874893605709076},{"word":"think","start":2460.095,"end":2460.255,"confidence":0.9941208,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.05271746218204498},{"word":"we","start":2460.255,"end":2460.335,"confidence":0.85127294,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05866330862045288},{"word":"either","start":2460.4148,"end":2460.575,"confidence":0.97220266,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.07900862395763397},{"word":"of","start":2460.575,"end":2460.7349,"confidence":0.73964417,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09998386353254318},{"word":"us","start":2460.7349,"end":2460.895,"confidence":0.9768133,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.08893755078315735},{"word":"what","start":2461.135,"end":2461.295,"confidence":0.51931155,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.11862561851739883},{"word":"do","start":2461.295,"end":2461.375,"confidence":0.9397374,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1098313182592392},{"word":"you","start":2461.375,"end":2461.535,"confidence":0.99882156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08309625089168549},{"word":"reckon","start":2461.535,"end":2461.855,"confidence":0.92356104,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":-0.0982976257801056},{"word":"you","start":2461.855,"end":2461.9348,"confidence":0.37265524,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09650968760252},{"word":"don't","start":2461.9348,"end":2462.095,"confidence":0.9801736,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.09296602010726927},{"word":"need","start":2462.095,"end":2462.335,"confidence":0.94761765,"punctuated_word":"need?","sentiment":"neutral","sentiment_score":-0.07487572729587555},{"word":"no","start":2462.335,"end":2462.61,"confidence":0.77678823,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11552807688713074},{"word":"no","start":2462.6902,"end":2462.9302,"confidence":0.97822666,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10748956352472304},{"word":"we","start":2462.9302,"end":2463.09,"confidence":0.99219525,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.11823900043964386},{"word":"don't","start":2463.09,"end":2463.29,"confidence":0.99967086,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10999634116888046},{"word":"need","start":2463.29,"end":2463.49,"confidence":0.99846846,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.12264607101678848},{"word":"trauma","start":2463.49,"end":2463.99,"confidence":0.9965614,"punctuated_word":"trauma.","sentiment":"neutral","sentiment_score":-0.1627832055091858},{"word":"yep","start":2471.25,"end":2471.75,"confidence":0.93828166,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.013975429348647594},{"word":"oh","start":2471.8901,"end":2472.29,"confidence":0.86789113,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.001117182895541191},{"word":"yeah","start":2472.29,"end":2472.79,"confidence":0.9916769,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.005536247044801712},{"word":"yes","start":2483.245,"end":2483.645,"confidence":0.833301,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1297331005334854},{"word":"yep","start":2483.645,"end":2483.965,"confidence":0.8843372,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19498276710510257},{"word":"that'll","start":2483.965,"end":2484.285,"confidence":0.98028135,"punctuated_word":"That'll","sentiment":"positive","sentiment_score":0.37087148427963257},{"word":"save","start":2484.285,"end":2484.5251,"confidence":0.9973116,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.37997737526893616},{"word":"us","start":2484.5251,"end":2484.685,"confidence":0.94055367,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.4385819137096405},{"word":"some","start":2484.685,"end":2484.845,"confidence":0.8506484,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3943144381046295},{"word":"money","start":2484.845,"end":2485.085,"confidence":0.96101373,"punctuated_word":"money.","sentiment":"positive","sentiment_score":0.33530768752098083},{"word":"so","start":2485.085,"end":2485.585,"confidence":0.8731391,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2153136432170868},{"word":"yeah","start":2503.5898,"end":2504.0898,"confidence":0.9726136,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.004491819068789482},{"word":"yep","start":2528.32,"end":2528.6401,"confidence":0.8399962,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.056740835309028625},{"word":"yep","start":2528.6401,"end":2529.1401,"confidence":0.8964083,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05284815654158592},{"word":"well","start":2532.575,"end":2533.075,"confidence":0.74593234,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0578535757958889},{"word":"overpaying","start":2535.855,"end":2536.355,"confidence":0.9289229,"punctuated_word":"overpaying.","sentiment":"neutral","sentiment_score":-0.043180596083402634},{"word":"well","start":2538.015,"end":2538.255,"confidence":0.5841018,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.03925376385450363},{"word":"even","start":2538.255,"end":2538.4949,"confidence":0.48235622,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.05098380148410797},{"word":"needs","start":2538.4949,"end":2538.815,"confidence":0.68848777,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.0025517158210277557},{"word":"525","start":2538.815,"end":2539.935,"confidence":0.97823477,"punctuated_word":"525","sentiment":"neutral","sentiment_score":0.01023268885910511},{"word":"in","start":2539.935,"end":2540.015,"confidence":0.6303511,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.010026328265666962},{"word":"cover","start":2540.015,"end":2540.515,"confidence":0.7438415,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":-0.0012234337627887726},{"word":"okay","start":2541.695,"end":2541.935,"confidence":0.7561048,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01741117611527443},{"word":"yeah","start":2541.935,"end":2542.175,"confidence":0.99360293,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011556347832083702},{"word":"like","start":2542.175,"end":2542.335,"confidence":0.68214464,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.01074235886335373},{"word":"that's","start":2542.335,"end":2542.59,"confidence":0.9235144,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.007813386619091034},{"word":"yeah","start":2543.55,"end":2543.79,"confidence":0.9921456,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.024180375039577484},{"word":"because","start":2543.79,"end":2544.03,"confidence":0.98017555,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.01035993918776512},{"word":"that's","start":2544.03,"end":2544.1902,"confidence":0.9888631,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.007408847566694021},{"word":"that","start":2544.27,"end":2544.4302,"confidence":0.9992636,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00009260326623916626},{"word":"was","start":2544.4302,"end":2544.59,"confidence":0.99958867,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.008398614823818207},{"word":"when","start":2544.59,"end":2544.83,"confidence":0.99358904,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0009078048169612885},{"word":"we","start":2544.83,"end":2544.9102,"confidence":0.9997019,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0021126456558704376},{"word":"had","start":2544.9102,"end":2545.0303,"confidence":0.9993299,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0019227974116802216},{"word":"a","start":2545.0303,"end":2545.1501,"confidence":0.99584514,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0368710458278656},{"word":"pretty","start":2545.1501,"end":2545.31,"confidence":0.9996768,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.017687879502773285},{"word":"big","start":2545.31,"end":2545.47,"confidence":0.9993299,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.021303020417690277},{"word":"home","start":2545.47,"end":2545.7102,"confidence":0.9544007,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.024905450642108917},{"word":"loan","start":2545.7102,"end":2545.87,"confidence":0.95818913,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":-0.010286681354045868},{"word":"i","start":2545.87,"end":2545.9502,"confidence":0.98715764,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006536770612001419},{"word":"just","start":2545.9502,"end":2546.11,"confidence":0.93283445,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.023704513907432556},{"word":"wanted","start":2546.11,"end":2546.27,"confidence":0.990519,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.011276591569185255},{"word":"to","start":2546.27,"end":2546.35,"confidence":0.9973435,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029984917491674423},{"word":"make","start":2546.35,"end":2546.59,"confidence":0.99815637,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.01597682014107704},{"word":"sure","start":2546.59,"end":2546.75,"confidence":0.9968965,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.025389499962329865},{"word":"lisa","start":2546.75,"end":2547.1501,"confidence":0.9131,"punctuated_word":"Lisa","sentiment":"neutral","sentiment_score":0.014983359724283218},{"word":"was","start":2547.1501,"end":2547.3901,"confidence":0.9969944,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.009143952280282974},{"word":"right","start":2547.3901,"end":2547.6301,"confidence":0.80233216,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.016778044402599335},{"word":"but","start":2547.6301,"end":2548.1301,"confidence":0.9877117,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.006674673408269882},{"word":"we","start":2549.23,"end":2549.47,"confidence":0.7763214,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.01272709108889103},{"word":"may","start":2549.47,"end":2549.7102,"confidence":0.85823536,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.052654556930065155},{"word":"not","start":2549.7102,"end":2549.9502,"confidence":0.89811057,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.053591229021549225},{"word":"even","start":2549.9502,"end":2550.11,"confidence":0.37005317,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.05781375616788864},{"word":"know","start":2550.11,"end":2550.51,"confidence":0.7920301,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.03595850616693497},{"word":"by","start":2550.51,"end":2550.6702,"confidence":0.7449362,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.02872566506266594},{"word":"the","start":2550.6702,"end":2550.83,"confidence":0.892111,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03293793275952339},{"word":"time","start":2550.83,"end":2551.1501,"confidence":0.9924902,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.02212690562009811},{"word":"so","start":2551.1501,"end":2551.31,"confidence":0.98473746,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.013221271336078644},{"word":"we","start":2551.31,"end":2551.3901,"confidence":0.61235917,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.012803994119167328},{"word":"could","start":2551.3901,"end":2551.55,"confidence":0.9834102,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.008727841079235077},{"word":"probably","start":2551.55,"end":2551.87,"confidence":0.9493498,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.026838518679142},{"word":"drop","start":2551.87,"end":2552.03,"confidence":0.9984434,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.03748909756541252},{"word":"that","start":2552.03,"end":2552.35,"confidence":0.9975834,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.025334171950817108},{"word":"into","start":2552.35,"end":2552.83,"confidence":0.6102596,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.04419449344277382},{"word":"a","start":2552.83,"end":2552.87,"confidence":0.5162962,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.017470719292759895},{"word":"just","start":2552.9102,"end":2553.1501,"confidence":0.90079254,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05166374146938324},{"word":"so","start":2553.1501,"end":2553.31,"confidence":0.6924567,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.04376636445522308},{"word":"she","start":2553.31,"end":2553.55,"confidence":0.9807748,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.01975046470761299},{"word":"gets","start":2553.55,"end":2553.79,"confidence":0.9623216,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.0031131133437156677},{"word":"something","start":2553.79,"end":2554.11,"confidence":0.86156553,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":-0.02503550983965397},{"word":"but","start":2554.11,"end":2554.61,"confidence":0.94058466,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04829509183764458},{"word":"yep","start":2576.6802,"end":2577.0,"confidence":0.8578838,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1345214545726776},{"word":"yeah","start":2577.0,"end":2577.32,"confidence":0.9259294,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12326471507549286},{"word":"possibly","start":2577.32,"end":2577.72,"confidence":0.8589288,"punctuated_word":"Possibly","sentiment":"neutral","sentiment_score":0.09691473841667177},{"word":"about","start":2577.72,"end":2577.8801,"confidence":0.66722584,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10234859585762024},{"word":"50","start":2577.8801,"end":2578.12,"confidence":0.99181795,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.11742128431797028},{"word":"to","start":2578.12,"end":2578.28,"confidence":0.9754631,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07991637289524078},{"word":"100","start":2578.28,"end":2578.9402,"confidence":0.82261574,"punctuated_word":"100.","sentiment":"neutral","sentiment_score":0.11422723531723022},{"word":"yes","start":2593.7349,"end":2594.135,"confidence":0.88899773,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0009723976254463196},{"word":"so","start":2594.135,"end":2594.215,"confidence":0.3314031,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.018983863294124603},{"word":"it's","start":2594.215,"end":2594.375,"confidence":0.73481655,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.03970942273736},{"word":"just","start":2594.375,"end":2594.535,"confidence":0.9636347,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04244490712881088},{"word":"gonna","start":2594.535,"end":2594.695,"confidence":0.41896448,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.06186151131987572},{"word":"be","start":2594.695,"end":2594.855,"confidence":0.52296597,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.043528780341148376},{"word":"out","start":2594.855,"end":2595.015,"confidence":0.1466972,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.053946927189826965},{"word":"of","start":2595.015,"end":2595.095,"confidence":0.94642055,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07993575930595398},{"word":"that","start":2595.095,"end":2595.255,"confidence":0.9970499,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04655545949935913},{"word":"pretty","start":2595.255,"end":2595.575,"confidence":0.7932425,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.015364602208137512},{"word":"much","start":2595.575,"end":2595.815,"confidence":0.98158073,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.020575718954205513},{"word":"yeah","start":2595.815,"end":2596.315,"confidence":0.8751128,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014356855303049088},{"word":"so","start":2596.4001,"end":2596.56,"confidence":0.9263691,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.01171395555138588},{"word":"yeah","start":2596.56,"end":2596.72,"confidence":0.97535384,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.04591187462210655},{"word":"it","start":2596.72,"end":2596.8,"confidence":0.95765984,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0320245698094368},{"word":"could","start":2596.8,"end":2596.96,"confidence":0.9183641,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.03157754987478256},{"word":"probably","start":2596.96,"end":2597.12,"confidence":0.996316,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.057233452796936035},{"word":"be","start":2597.12,"end":2597.2803,"confidence":0.9852042,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.02915307879447937},{"word":"a","start":2597.2803,"end":2597.4402,"confidence":0.99708873,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05058437958359718},{"word":"lot","start":2597.4402,"end":2597.9402,"confidence":0.9986003,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.060417190194129944},{"word":"more","start":2599.8801,"end":2600.3801,"confidence":0.56710625,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":-0.05259884893894195},{"word":"yes","start":2602.32,"end":2602.56,"confidence":0.866029,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01990436390042305},{"word":"it","start":2602.56,"end":2602.72,"confidence":0.36465627,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.00047394633293151855},{"word":"might","start":2602.72,"end":2602.8398,"confidence":0.99366814,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.00959877297282219},{"word":"that","start":2602.96,"end":2603.12,"confidence":0.9601221,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015855632722377777},{"word":"might","start":2603.12,"end":2603.36,"confidence":0.97940546,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.029667407274246216},{"word":"pay","start":2603.36,"end":2603.6,"confidence":0.9729627,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.035358771681785583},{"word":"to","start":2603.6,"end":2603.76,"confidence":0.99257267,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03655301034450531},{"word":"drop","start":2603.76,"end":2604.0,"confidence":0.9994518,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.031264495104551315},{"word":"that","start":2604.0,"end":2604.1602,"confidence":0.9986187,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.003434203565120697},{"word":"once","start":2604.1602,"end":2604.4001,"confidence":0.9977708,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.008091464638710022},{"word":"we","start":2604.4001,"end":2604.56,"confidence":0.9997013,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0071493834257125854},{"word":"know","start":2604.56,"end":2604.8,"confidence":0.99982375,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.013628073036670685},{"word":"what","start":2604.8,"end":2604.96,"confidence":0.99890447,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.002698265016078949},{"word":"we're","start":2604.96,"end":2605.28,"confidence":0.9983667,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.009276693686842918},{"word":"we're","start":2605.28,"end":2605.6,"confidence":0.9959457,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.01328960619866848},{"word":"in","start":2605.6,"end":2605.84,"confidence":0.9950104,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.012867525219917296},{"word":"for","start":2605.84,"end":2606.34,"confidence":0.99489987,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":0.016215292736887932},{"word":"yeah","start":2608.96,"end":2609.46,"confidence":0.8859824,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.26749226450920105},{"word":"yeah","start":2625.7,"end":2626.2,"confidence":0.7097536,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04335526376962662},{"word":"yeah","start":2630.0999,"end":2630.5999,"confidence":0.74185973,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.061192162334918976},{"word":"yeah","start":2637.7798,"end":2638.2798,"confidence":0.76490474,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01295520644634962},{"word":"yeah","start":2639.085,"end":2639.585,"confidence":0.99840516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01370152086019516},{"word":"yeah","start":2647.085,"end":2647.585,"confidence":0.9461648,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09572472423315048},{"word":"yep","start":2662.83,"end":2663.33,"confidence":0.8631743,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24068063497543335},{"word":"that's","start":2671.295,"end":2671.615,"confidence":0.9926391,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10871899127960204},{"word":"for","start":2671.615,"end":2671.7751,"confidence":0.5239931,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10544275492429732},{"word":"that","start":2671.7751,"end":2672.095,"confidence":0.85458285,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06785805523395538},{"word":"insurance","start":2672.095,"end":2672.575,"confidence":0.9872515,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":0.026718419045209885},{"word":"yeah","start":2672.575,"end":2673.075,"confidence":0.97123396,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0846148431301117},{"word":"no","start":2683.3499,"end":2683.59,"confidence":0.7371362,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.651664137840271},{"word":"we","start":2683.59,"end":2683.67,"confidence":0.98757464,"punctuated_word":"We","sentiment":"negative","sentiment_score":-0.6452440023422241},{"word":"could","start":2683.67,"end":2683.91,"confidence":0.8375154,"punctuated_word":"could","sentiment":"negative","sentiment_score":-0.6398363709449768},{"word":"probably","start":2683.91,"end":2684.41,"confidence":0.99820304,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.7128307819366455},{"word":"suck","start":2685.75,"end":2686.07,"confidence":0.4898359,"punctuated_word":"suck","sentiment":"negative","sentiment_score":-0.8020987510681152},{"word":"your","start":2686.07,"end":2686.23,"confidence":0.30059943,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.758666455745697},{"word":"cake","start":2686.23,"end":2686.47,"confidence":0.2738276,"punctuated_word":"cake.","sentiment":"negative","sentiment_score":-0.6278272867202759},{"word":"what","start":2686.47,"end":2686.63,"confidence":0.60874295,"punctuated_word":"What","sentiment":"negative","sentiment_score":-0.5011374950408936},{"word":"do","start":2686.63,"end":2686.71,"confidence":0.8650561,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.3893797695636749},{"word":"you","start":2686.71,"end":2686.79,"confidence":0.9995382,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.37259671092033386},{"word":"want","start":2686.79,"end":2687.29,"confidence":0.93034756,"punctuated_word":"want?","sentiment":"neutral","sentiment_score":-0.33063995838165283},{"word":"k","start":2687.3499,"end":2687.8499,"confidence":0.56819755,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":-0.17946183681488037},{"word":"not","start":2688.07,"end":2688.31,"confidence":0.54776305,"punctuated_word":"Not","sentiment":"negative","sentiment_score":-0.4987708330154419},{"word":"for","start":2688.31,"end":2688.47,"confidence":0.9726518,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.396813452243805},{"word":"you","start":2688.47,"end":2688.63,"confidence":0.99954504,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.30605462193489075},{"word":"because","start":2688.63,"end":2688.95,"confidence":0.41658244,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.3598184585571289},{"word":"this","start":2688.95,"end":2689.03,"confidence":0.96371955,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.46579140424728394},{"word":"is","start":2689.03,"end":2689.1099,"confidence":0.96909183,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.45740175247192383},{"word":"if","start":2689.19,"end":2689.3499,"confidence":0.9962269,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.4554433822631836},{"word":"i'm","start":2689.3499,"end":2689.67,"confidence":0.99954164,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.3970626294612885},{"word":"gone","start":2689.67,"end":2690.17,"confidence":0.8941648,"punctuated_word":"gone,","sentiment":"negative","sentiment_score":-0.3550782799720764},{"word":"is","start":2690.23,"end":2690.39,"confidence":0.99772197,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3856669068336487},{"word":"that","start":2690.39,"end":2690.55,"confidence":0.9991365,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3807032108306885},{"word":"enough","start":2690.55,"end":2690.79,"confidence":0.9998092,"punctuated_word":"enough","sentiment":"negative","sentiment_score":-0.41099274158477783},{"word":"for","start":2690.79,"end":2690.95,"confidence":0.9957416,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.33392333984375},{"word":"you","start":2690.95,"end":2691.1099,"confidence":0.9960305,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3795020282268524},{"word":"to","start":2691.1099,"end":2691.27,"confidence":0.9929092,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3682352602481842},{"word":"live","start":2691.27,"end":2691.43,"confidence":0.9619456,"punctuated_word":"live","sentiment":"negative","sentiment_score":-0.3931492567062378},{"word":"off","start":2691.43,"end":2691.93,"confidence":0.8123082,"punctuated_word":"off?","sentiment":"negative","sentiment_score":-0.3566068410873413},{"word":"i","start":2692.23,"end":2692.31,"confidence":0.52639616,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5159533023834229},{"word":"feel","start":2692.31,"end":2692.63,"confidence":0.9942496,"punctuated_word":"feel","sentiment":"negative","sentiment_score":-0.5234971642494202},{"word":"gone","start":2692.63,"end":2692.8699,"confidence":0.86949575,"punctuated_word":"gone.","sentiment":"negative","sentiment_score":-0.48457491397857666},{"word":"i","start":2692.8699,"end":2692.95,"confidence":0.9981036,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5812492370605469},{"word":"don't","start":2692.95,"end":2693.1099,"confidence":0.99499404,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.5083267688751221},{"word":"need","start":2693.1099,"end":2693.27,"confidence":0.989795,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.432527095079422},{"word":"as","start":2693.27,"end":2693.51,"confidence":0.87117195,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.41433051228523254},{"word":"much","start":2693.51,"end":2693.75,"confidence":0.9996569,"punctuated_word":"much","sentiment":"negative","sentiment_score":-0.350143700838089},{"word":"to","start":2693.75,"end":2693.83,"confidence":0.87909985,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4647849500179291},{"word":"live","start":2693.83,"end":2694.07,"confidence":0.9951969,"punctuated_word":"live","sentiment":"negative","sentiment_score":-0.45735788345336914},{"word":"off","start":2694.07,"end":2694.23,"confidence":0.7249753,"punctuated_word":"off.","sentiment":"negative","sentiment_score":-0.3885908126831054},{"word":"can","start":2694.23,"end":2694.47,"confidence":0.42473686,"punctuated_word":"Can","sentiment":"negative","sentiment_score":-0.4146241843700409},{"word":"you","start":2694.47,"end":2694.63,"confidence":0.98627883,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.40866056084632874},{"word":"leave","start":2694.63,"end":2694.95,"confidence":0.5145611,"punctuated_word":"leave","sentiment":"negative","sentiment_score":-0.33884215354919434},{"word":"more","start":2694.95,"end":2695.425,"confidence":0.62557876,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.4069790244102478},{"word":"extravagant","start":2695.665,"end":2696.025,"confidence":0.83317536,"punctuated_word":"extravagant","sentiment":"neutral","sentiment_score":-0.3088991641998291},{"word":"than","start":2696.025,"end":2696.385,"confidence":0.52361083,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.3017396032810211},{"word":"me","start":2696.385,"end":2696.885,"confidence":0.9859376,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":-0.28075528144836426},{"word":"sorry","start":2698.385,"end":2698.705,"confidence":0.7205007,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.17825262248516083},{"word":"we","start":2698.705,"end":2698.865,"confidence":0.98288256,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.11446552723646164},{"word":"can","start":2698.865,"end":2699.0251,"confidence":0.58474904,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.050714053213596344},{"word":"probably","start":2699.0251,"end":2699.2651,"confidence":0.99278235,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.10296715795993804},{"word":"because","start":2699.425,"end":2699.585,"confidence":0.54408854,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05356389284133911},{"word":"because","start":2699.585,"end":2700.085,"confidence":0.20456164,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.03880149871110916},{"word":"that'll","start":2700.385,"end":2700.705,"confidence":0.66661024,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":-0.05723106116056442},{"word":"make","start":2700.705,"end":2701.0251,"confidence":0.98749894,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.07602091878652573},{"word":"the","start":2701.0251,"end":2701.105,"confidence":0.56940913,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05607040971517563},{"word":"some","start":2701.5051,"end":2701.825,"confidence":0.81258136,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":-0.08872829377651215},{"word":"are","start":2701.825,"end":2701.985,"confidence":0.7774004,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02773153781890869},{"word":"basics","start":2701.985,"end":2702.485,"confidence":0.9856245,"punctuated_word":"basics.","sentiment":"neutral","sentiment_score":-0.01523572951555252},{"word":"so","start":2702.705,"end":2702.865,"confidence":0.99213904,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03726805746555328},{"word":"if","start":2702.865,"end":2703.0251,"confidence":0.99793845,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02086023986339569},{"word":"we","start":2703.0251,"end":2703.185,"confidence":0.9995134,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03388512134552002},{"word":"drop","start":2703.185,"end":2703.425,"confidence":0.9843799,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.01941680908203125},{"word":"that","start":2703.425,"end":2703.665,"confidence":0.99816155,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.07931385189294815},{"word":"that","start":2703.665,"end":2703.985,"confidence":0.9994019,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11886429786682128},{"word":"means","start":2703.985,"end":2704.305,"confidence":0.9983596,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.15861719846725464},{"word":"that","start":2704.305,"end":2704.805,"confidence":0.995546,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09925353527069092},{"word":"the","start":2704.945,"end":2705.105,"confidence":0.994624,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12666842341423035},{"word":"soup","start":2705.105,"end":2705.425,"confidence":0.8388149,"punctuated_word":"soup","sentiment":"neutral","sentiment_score":-0.043193429708480835},{"word":"is","start":2705.425,"end":2705.585,"confidence":0.9975314,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.13541291654109955},{"word":"gonna","start":2705.585,"end":2705.825,"confidence":0.95665705,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.11827917397022247},{"word":"grow","start":2705.825,"end":2706.065,"confidence":0.9972326,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.06802481412887573},{"word":"quicker","start":2706.065,"end":2706.385,"confidence":0.94980717,"punctuated_word":"quicker,","sentiment":"neutral","sentiment_score":0.0038378462195396423},{"word":"isn't","start":2706.385,"end":2706.625,"confidence":0.87023866,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.02219514921307564},{"word":"it","start":2706.625,"end":2707.125,"confidence":0.99884355,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.040538638830184937},{"word":"yeah","start":2707.185,"end":2707.685,"confidence":0.99959886,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06250382959842682},{"word":"yep","start":2709.1,"end":2709.6,"confidence":0.990983,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14652019739151},{"word":"yeah","start":2720.86,"end":2721.36,"confidence":0.8648086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1379469335079193},{"word":"yep","start":2736.8352,"end":2737.3352,"confidence":0.8463616,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10929688811302184},{"word":"yep","start":2745.23,"end":2745.63,"confidence":0.846544,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04127205908298493},{"word":"that","start":2745.63,"end":2745.95,"confidence":0.84757435,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.06558510661125183},{"word":"sounds","start":2745.95,"end":2746.19,"confidence":0.993244,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.1314137727022171},{"word":"good","start":2746.19,"end":2746.69,"confidence":0.99892557,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1191948652267456},{"word":"yep","start":2747.79,"end":2748.29,"confidence":0.74594057,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0662831962108612},{"word":"yep","start":2771.5798,"end":2772.0798,"confidence":0.9912088,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15986797213554382},{"word":"yep","start":2823.0598,"end":2823.5598,"confidence":0.7625966,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1996002495288849},{"word":"yep","start":2824.9,"end":2825.4,"confidence":0.96217036,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1014733612537384},{"word":"i","start":2826.26,"end":2826.5,"confidence":0.98625386,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04305087774991989},{"word":"think","start":2826.5,"end":2826.66,"confidence":0.99785477,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.025019988417625427},{"word":"we","start":2826.66,"end":2826.8198,"confidence":0.9831876,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04065220057964325},{"word":"look","start":2826.8198,"end":2826.98,"confidence":0.8720082,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04477362707257271},{"word":"at","start":2826.98,"end":2827.22,"confidence":0.99850214,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.032900936901569366},{"word":"either","start":2827.22,"end":2827.46,"confidence":0.9874586,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.04530427232384682},{"word":"halving","start":2827.46,"end":2827.7,"confidence":0.89575446,"punctuated_word":"halving","sentiment":"neutral","sentiment_score":0.026946187019348145},{"word":"it","start":2827.7,"end":2827.8599,"confidence":0.99621516,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.010915379971265793},{"word":"or","start":2827.8599,"end":2828.02,"confidence":0.9816311,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.024006858468055725},{"word":"getting","start":2828.02,"end":2828.26,"confidence":0.9996427,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.03621158003807068},{"word":"rid","start":2828.26,"end":2828.42,"confidence":0.9999316,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.04547261446714401},{"word":"of","start":2828.42,"end":2828.5,"confidence":0.99967253,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0445062480866909},{"word":"it","start":2828.5,"end":2828.66,"confidence":0.9995308,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05607270076870918},{"word":"altogether","start":2828.66,"end":2829.14,"confidence":0.77731013,"punctuated_word":"altogether,","sentiment":"neutral","sentiment_score":0.005245566368103027},{"word":"like","start":2829.14,"end":2829.38,"confidence":0.8285388,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.052143801003694534},{"word":"maybe","start":2829.38,"end":2829.6199,"confidence":0.9989567,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.026963934302330017},{"word":"do","start":2829.6199,"end":2829.7798,"confidence":0.99405164,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02533852867782116},{"word":"the","start":2829.7798,"end":2829.94,"confidence":0.99890995,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0470627099275589},{"word":"two","start":2829.94,"end":2830.0999,"confidence":0.9998857,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.026032548397779465},{"word":"scenarios","start":2830.0999,"end":2830.5999,"confidence":0.99990296,"punctuated_word":"scenarios","sentiment":"neutral","sentiment_score":0.026794083416461945},{"word":"because","start":2832.075,"end":2832.395,"confidence":0.9442272,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.1255226731300354},{"word":"you","start":2832.395,"end":2832.635,"confidence":0.50733423,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16317494213581085},{"word":"know","start":2832.635,"end":2832.715,"confidence":0.9997858,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1172218918800354},{"word":"we're","start":2832.715,"end":2832.955,"confidence":0.7706784,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.13617286086082458},{"word":"sitting","start":2832.955,"end":2833.275,"confidence":0.98909944,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.21695350110530853},{"word":"pretty","start":2833.275,"end":2833.775,"confidence":0.9997931,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.22776737809181213},{"word":"pretty","start":2834.075,"end":2834.395,"confidence":0.7099472,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.25012555718421936},{"word":"well","start":2834.395,"end":2834.795,"confidence":0.976845,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.15123823285102844},{"word":"so","start":2834.795,"end":2835.275,"confidence":0.99931884,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03530905023217201},{"word":"even","start":2835.275,"end":2835.775,"confidence":0.99934214,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.010235272347927094},{"word":"like","start":2836.395,"end":2836.555,"confidence":0.70910907,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.01839250326156616},{"word":"if","start":2836.555,"end":2836.795,"confidence":0.9753601,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.008673639968037605},{"word":"it","start":2836.795,"end":2836.875,"confidence":0.94249254,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.021691519767045975},{"word":"like","start":2836.955,"end":2837.115,"confidence":0.869648,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.03605375438928604},{"word":"if","start":2837.115,"end":2837.275,"confidence":0.9854117,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03145377337932587},{"word":"it","start":2837.275,"end":2837.355,"confidence":0.65728706,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.044046513736248016},{"word":"makes","start":2837.515,"end":2837.755,"confidence":0.7541889,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.047563955187797546},{"word":"a","start":2837.755,"end":2837.835,"confidence":0.9973738,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00879964604973793},{"word":"big","start":2837.835,"end":2837.995,"confidence":0.99971026,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.020900994539260864},{"word":"impact","start":2837.995,"end":2838.315,"confidence":0.9991129,"punctuated_word":"impact","sentiment":"neutral","sentiment_score":-0.05586562305688858},{"word":"on","start":2838.315,"end":2838.555,"confidence":0.9630236,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.013260409235954285},{"word":"the","start":2838.555,"end":2838.875,"confidence":0.45499173,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0021084249019622803},{"word":"if","start":2839.115,"end":2839.355,"confidence":0.5398693,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.06884369999170303},{"word":"one","start":2839.355,"end":2839.595,"confidence":0.8111746,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.1163584515452385},{"word":"of","start":2839.595,"end":2839.675,"confidence":0.9933427,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12637175619602203},{"word":"it","start":2839.675,"end":2839.835,"confidence":0.45190033,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.14108626544475555},{"word":"passes","start":2839.835,"end":2840.335,"confidence":0.9091157,"punctuated_word":"passes,","sentiment":"neutral","sentiment_score":-0.1381784975528717},{"word":"you","start":2840.395,"end":2840.555,"confidence":0.9956018,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0389295257627964},{"word":"know","start":2840.555,"end":2840.875,"confidence":0.9959067,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.02788742817938328},{"word":"everything","start":2840.875,"end":2841.275,"confidence":0.99147195,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.04385410249233246},{"word":"the","start":2841.635,"end":2841.995,"confidence":0.4758901,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.051929403096437454},{"word":"second","start":2841.995,"end":2842.395,"confidence":0.8953423,"punctuated_word":"second","sentiment":"neutral","sentiment_score":-0.058688387274742126},{"word":"car","start":2842.395,"end":2842.635,"confidence":0.9783302,"punctuated_word":"car","sentiment":"neutral","sentiment_score":-0.008081216365098953},{"word":"goes","start":2842.635,"end":2842.955,"confidence":0.94288445,"punctuated_word":"goes,","sentiment":"neutral","sentiment_score":-0.022753775119781498},{"word":"the","start":2842.955,"end":2843.035,"confidence":0.9955699,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04157238081097603},{"word":"second","start":2843.035,"end":2843.435,"confidence":0.99958783,"punctuated_word":"second","sentiment":"neutral","sentiment_score":-0.03259402513504028},{"word":"bike","start":2843.435,"end":2843.675,"confidence":0.9780953,"punctuated_word":"bike","sentiment":"neutral","sentiment_score":-0.002308875322341919},{"word":"goes","start":2843.675,"end":2843.995,"confidence":0.7899096,"punctuated_word":"goes,","sentiment":"neutral","sentiment_score":-0.022624077275395393},{"word":"you","start":2843.995,"end":2844.075,"confidence":0.9914684,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014768630266189575},{"word":"know","start":2844.075,"end":2844.235,"confidence":0.99761415,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.01407652348279953},{"word":"everything","start":2844.235,"end":2844.555,"confidence":0.9993493,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.005301900207996368},{"word":"can","start":2844.555,"end":2844.715,"confidence":0.9995778,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.003939710557460785},{"word":"go","start":2844.715,"end":2844.955,"confidence":0.99955887,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.00852123647928238},{"word":"because","start":2844.955,"end":2845.455,"confidence":0.9171552,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.017076659947633743},{"word":"so","start":2847.76,"end":2848.24,"confidence":0.9944133,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.010198265314102173},{"word":"i","start":2848.24,"end":2848.3198,"confidence":0.98461306,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011877566576004028},{"word":"think","start":2848.3198,"end":2848.8198,"confidence":0.9999043,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.012938123196363447},{"word":"yeah","start":2849.28,"end":2849.52,"confidence":0.9764054,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.01150469109416008},{"word":"look","start":2849.52,"end":2849.8398,"confidence":0.7535901,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.025926675647497177},{"word":"it's","start":2849.8398,"end":2849.92,"confidence":0.8203575,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.05383322387933731},{"word":"yeah","start":2850.0,"end":2850.12,"confidence":0.93911576,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.06426619738340378},{"word":"i'm","start":2850.12,"end":2850.24,"confidence":0.63721883,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.15106573700904846},{"word":"not","start":2850.24,"end":2850.48,"confidence":0.986249,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.160032257437706},{"word":"sure","start":2850.48,"end":2850.64,"confidence":0.99418044,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.17379020154476166},{"word":"you","start":2850.64,"end":2850.8,"confidence":0.97567284,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19931912422180176},{"word":"need","start":2850.8,"end":2851.04,"confidence":0.994445,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.16602343320846558},{"word":"it","start":2851.04,"end":2851.3599,"confidence":0.9986397,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1652480959892273},{"word":"yeah","start":2851.3599,"end":2851.8599,"confidence":0.9983194,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005725156515836716},{"word":"yeah","start":2852.0,"end":2852.3198,"confidence":0.98267055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0441063717007637},{"word":"maybe","start":2852.3198,"end":2852.8,"confidence":0.9970583,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.07412371039390564},{"word":"definitely","start":2852.88,"end":2853.3599,"confidence":0.99835736,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.06676279753446579},{"word":"definitely","start":2853.3599,"end":2853.8398,"confidence":0.9312054,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.3003426790237427},{"word":"have","start":2853.8398,"end":2854.0798,"confidence":0.6870498,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.34076637029647827},{"word":"it","start":2854.0798,"end":2854.3198,"confidence":0.9694561,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.25238606333732605},{"word":"but","start":2854.3198,"end":2854.5598,"confidence":0.99944144,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16160134971141815},{"word":"maybe","start":2854.5598,"end":2854.8398,"confidence":0.99755543,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.17993682622909546},{"word":"and","start":2855.1199,"end":2855.3599,"confidence":0.6962956,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17630216479301453},{"word":"we'll","start":2855.3599,"end":2855.5999,"confidence":0.990059,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1994055211544037},{"word":"see","start":2855.5999,"end":2855.76,"confidence":0.9995303,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.19754984974861145},{"word":"what","start":2855.76,"end":2855.92,"confidence":0.99946123,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1587943136692047},{"word":"it's","start":2855.92,"end":2856.0798,"confidence":0.99615574,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1901535242795944},{"word":"worth","start":2856.0798,"end":2856.4,"confidence":0.9614636,"punctuated_word":"worth.","sentiment":"neutral","sentiment_score":0.1395927220582962},{"word":"but","start":2856.4,"end":2856.64,"confidence":0.9435369,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.10602763295173644},{"word":"you","start":2856.64,"end":2856.8,"confidence":0.6054157,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11449840664863586},{"word":"know","start":2856.8,"end":2857.04,"confidence":0.99833184,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10399533063173294},{"word":"that's","start":2857.04,"end":2857.2,"confidence":0.7168833,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1157066375017166},{"word":"the","start":2857.2,"end":2857.3599,"confidence":0.8497802,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.129250630736351},{"word":"way","start":2857.3599,"end":2857.52,"confidence":0.99525744,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1238810196518898},{"word":"i","start":2857.52,"end":2857.5999,"confidence":0.9937836,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12457529455423356},{"word":"look","start":2857.5999,"end":2857.76,"confidence":0.9795768,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1638268232345581},{"word":"at","start":2857.76,"end":2857.92,"confidence":0.9945898,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1044716164469719},{"word":"it","start":2857.92,"end":2858.0,"confidence":0.9871694,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14764007925987244},{"word":"is","start":2858.0,"end":2858.415,"confidence":0.82116497,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15546658635139465},{"word":"all","start":2858.495,"end":2858.655,"confidence":0.9998909,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.16301307082176208},{"word":"that","start":2858.655,"end":2858.895,"confidence":0.9991763,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19431185722351071},{"word":"money","start":2858.895,"end":2859.055,"confidence":0.9998779,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2725144326686859},{"word":"going","start":2859.055,"end":2859.295,"confidence":0.9892813,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.28787103295326233},{"word":"into","start":2859.295,"end":2859.455,"confidence":0.9963929,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.3429437577724457},{"word":"my","start":2859.455,"end":2859.615,"confidence":0.99891853,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.23300930857658383},{"word":"super","start":2859.615,"end":2859.855,"confidence":0.6551045,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.347453236579895},{"word":"is","start":2859.855,"end":2859.935,"confidence":0.88777834,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16925197839736938},{"word":"only","start":2859.935,"end":2860.095,"confidence":0.98669773,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.18239307403564453},{"word":"gonna","start":2860.095,"end":2860.2551,"confidence":0.93585175,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2000788152217865},{"word":"help","start":2860.2551,"end":2860.495,"confidence":0.9984268,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.30245620012283325},{"word":"it","start":2860.495,"end":2860.655,"confidence":0.99466455,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.27434036135673523},{"word":"grow","start":2860.655,"end":2860.975,"confidence":0.9981627,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.32105207443237305},{"word":"quicker","start":2860.975,"end":2861.375,"confidence":0.99981683,"punctuated_word":"quicker","sentiment":"neutral","sentiment_score":0.2552420496940613},{"word":"than","start":2861.375,"end":2861.5352,"confidence":0.9991837,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.11288765072822572},{"word":"especially","start":2862.0151,"end":2862.495,"confidence":0.9829847,"punctuated_word":"Especially","sentiment":"neutral","sentiment_score":0.02655031532049179},{"word":"now","start":2862.495,"end":2862.5752,"confidence":0.78776574,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.05441699922084808},{"word":"you're","start":2862.5752,"end":2862.655,"confidence":0.41965914,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05351821333169937},{"word":"going","start":2862.655,"end":2862.975,"confidence":0.7740079,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.06595608592033386},{"word":"half","start":2862.975,"end":2863.475,"confidence":0.91811097,"punctuated_word":"half.","sentiment":"neutral","sentiment_score":0.011312656104564668},{"word":"yeah","start":2863.615,"end":2863.855,"confidence":0.95644546,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0005362294614315033},{"word":"but","start":2863.855,"end":2863.935,"confidence":0.98648643,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06814026087522507},{"word":"i'm","start":2863.935,"end":2864.095,"confidence":0.99887073,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10786321014165878},{"word":"still","start":2864.095,"end":2864.2551,"confidence":0.9993642,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.1542413830757141},{"word":"paying","start":2864.2551,"end":2864.575,"confidence":0.99645376,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.17206478118896484},{"word":"i'm","start":2864.575,"end":2864.735,"confidence":0.9917265,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.19077125191688535},{"word":"still","start":2864.735,"end":2864.895,"confidence":0.99920005,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.1915117055177689},{"word":"paying","start":2864.895,"end":2865.215,"confidence":0.9992687,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.18806353211402893},{"word":"extra","start":2865.215,"end":2865.5352,"confidence":0.99558234,"punctuated_word":"extra.","sentiment":"neutral","sentiment_score":-0.16051757335662842},{"word":"i'm","start":2865.5352,"end":2865.615,"confidence":0.9997784,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.13280902802944183},{"word":"still","start":2865.615,"end":2865.855,"confidence":0.9998041,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0755762904882431},{"word":"paying","start":2865.855,"end":2866.0151,"confidence":0.99583507,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.10789942741394044},{"word":"the","start":2866.0151,"end":2866.095,"confidence":0.9962296,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07787342369556427},{"word":"full","start":2866.095,"end":2866.2551,"confidence":0.53020316,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.008974313735961914},{"word":"amount","start":2866.2551,"end":2866.495,"confidence":0.97019356,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.004689499735832214},{"word":"of","start":2866.495,"end":2866.655,"confidence":0.8106597,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04196140170097351},{"word":"super","start":2866.655,"end":2866.975,"confidence":0.68407476,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.022390320897102356},{"word":"that","start":2866.975,"end":2867.055,"confidence":0.98095787,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009218275547027588},{"word":"i","start":2867.055,"end":2867.135,"confidence":0.9992162,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.025150544941425323},{"word":"can","start":2867.135,"end":2867.375,"confidence":0.99959713,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.0003300309181213379},{"word":"every","start":2867.375,"end":2867.615,"confidence":0.99814284,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.01767916977405548},{"word":"year","start":2867.615,"end":2867.935,"confidence":0.9972052,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.05522859841585159},{"word":"yeah","start":2867.935,"end":2868.435,"confidence":0.9981315,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.004239894449710846},{"word":"i'll","start":2868.895,"end":2869.055,"confidence":0.59706354,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.029663151130080223},{"word":"just","start":2869.055,"end":2869.215,"confidence":0.99819356,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02458592504262924},{"word":"pull","start":2869.215,"end":2869.375,"confidence":0.9954665,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":-0.010896854102611542},{"word":"that","start":2869.375,"end":2869.615,"confidence":0.71018064,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03454158455133438},{"word":"out","start":2869.615,"end":2869.695,"confidence":0.9869812,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.027097441256046295},{"word":"of","start":2869.695,"end":2869.855,"confidence":0.97637343,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.033001430332660675},{"word":"my","start":2869.855,"end":2870.0151,"confidence":0.9975247,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.044760387390851974},{"word":"wage","start":2870.0151,"end":2870.5151,"confidence":0.99697787,"punctuated_word":"wage.","sentiment":"neutral","sentiment_score":-0.02214949950575829},{"word":"yep","start":2875.78,"end":2876.1802,"confidence":0.83236337,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.017342593520879745},{"word":"yep","start":2876.1802,"end":2876.6802,"confidence":0.9562134,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.014688078314065931},{"word":"yeah","start":2884.98,"end":2885.22,"confidence":0.7776942,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.025765858590602875},{"word":"right","start":2885.22,"end":2885.72,"confidence":0.5042051,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.00029749795794487},{"word":"yeah","start":2887.535,"end":2888.035,"confidence":0.8787051,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03478145971894264},{"word":"yep","start":2891.1748,"end":2891.6748,"confidence":0.7630324,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.16809813678264618},{"word":"yep","start":2894.815,"end":2895.295,"confidence":0.74014807,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.007689893245697021},{"word":"that","start":2895.295,"end":2895.535,"confidence":0.924192,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.0868341326713562},{"word":"sounds","start":2895.535,"end":2895.855,"confidence":0.98416036,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.08072216808795929},{"word":"good","start":2895.855,"end":2896.355,"confidence":0.99734896,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.07415115833282471},{"word":"yep","start":2902.23,"end":2902.73,"confidence":0.8526617,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08488880097866058},{"word":"yep","start":2909.19,"end":2909.27,"confidence":0.8515146,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.014775486662983894},{"word":"yep","start":2909.27,"end":2909.77,"confidence":0.80814993,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08946719020605087},{"word":"that","start":2909.83,"end":2910.15,"confidence":0.6631822,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.6922749280929565},{"word":"sounds","start":2910.15,"end":2910.47,"confidence":0.9933106,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.7667686939239502},{"word":"great","start":2910.47,"end":2910.97,"confidence":0.9865414,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.7252718210220337},{"word":"yep","start":2931.605,"end":2932.085,"confidence":0.76033235,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11252053827047348},{"word":"cool","start":2932.085,"end":2932.585,"confidence":0.8138194,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.18009629845619202},{"word":"that","start":2932.99,"end":2933.49,"confidence":0.9078073,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.6342784762382507},{"word":"sounds","start":2941.9502,"end":2942.2002,"confidence":0.99562067,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.4923958480358124},{"word":"great","start":2942.2002,"end":2942.7002,"confidence":0.91422105,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.4385580122470856},{"word":"yeah","start":2953.125,"end":2953.625,"confidence":0.98765004,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2645622193813324},{"word":"yeah","start":2964.69,"end":2965.19,"confidence":0.7627668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09728088974952698},{"word":"yep","start":2983.685,"end":2984.185,"confidence":0.9873253,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.008619533851742744},{"word":"i've","start":2992.1099,"end":2992.3499,"confidence":0.99516225,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.011275401338934898},{"word":"got","start":2992.3499,"end":2992.8499,"confidence":0.9987036,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.01183223072439432},{"word":"i've","start":2994.19,"end":2994.51,"confidence":0.94900835,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.021220257505774495},{"word":"got","start":2994.51,"end":2994.8298,"confidence":0.9999242,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.006849563680589199},{"word":"$5.17","start":2994.8298,"end":2995.97,"confidence":0.9970206,"punctuated_word":"$5.17","sentiment":"neutral","sentiment_score":0.00999731570482254},{"word":"$7.09","start":2996.19,"end":2996.91,"confidence":0.9936942,"punctuated_word":"$7.09","sentiment":"neutral","sentiment_score":0.013215037062764168},{"word":"6","start":2996.91,"end":2997.3098,"confidence":0.9990213,"punctuated_word":"6","sentiment":"neutral","sentiment_score":0.014044862240552902},{"word":"and","start":2997.3098,"end":2997.5498,"confidence":0.9902159,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017033740878105164},{"word":"96¢","start":2997.5498,"end":2998.27,"confidence":0.99514395,"punctuated_word":"96¢"},{"word":"at","start":2998.27,"end":2998.35,"confidence":0.9985518,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.022559266537427906},{"word":"the","start":2998.35,"end":2998.43,"confidence":0.99663997,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02756689116358757},{"word":"moment","start":2998.43,"end":2998.8298,"confidence":0.999889,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.035497426986694336},{"word":"in","start":2998.8298,"end":2999.15,"confidence":0.9916864,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.051935262978076935},{"word":"my","start":2999.15,"end":2999.3098,"confidence":0.9959669,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.06137304753065109},{"word":"brighter","start":2999.3098,"end":2999.71,"confidence":0.5410246,"punctuated_word":"Brighter","sentiment":"neutral","sentiment_score":0.0736234188079834},{"word":"super","start":2999.71,"end":3000.21,"confidence":0.8531846,"punctuated_word":"Super.","sentiment":"neutral","sentiment_score":0.08357269316911697},{"word":"yep","start":3011.185,"end":3011.685,"confidence":0.7548349,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.004751856904476881},{"word":"i'm","start":3011.905,"end":3012.145,"confidence":0.9809576,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.025778423994779587},{"word":"just","start":3012.145,"end":3012.385,"confidence":0.99986947,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.021544884890317917},{"word":"going","start":3012.385,"end":3012.705,"confidence":0.9995957,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.015783119946718216},{"word":"in","start":3012.705,"end":3012.865,"confidence":0.9942297,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01657971180975437},{"word":"there","start":3012.865,"end":3013.3452,"confidence":0.9573582,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.009686945006251335},{"word":"now","start":3013.3452,"end":3013.8452,"confidence":0.9669647,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.0075231390073895454},{"word":"these","start":3014.465,"end":3014.705,"confidence":0.76570475,"punctuated_word":"These","sentiment":"neutral","sentiment_score":-0.030126415193080906},{"word":"are","start":3014.705,"end":3014.7852,"confidence":0.72706825,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.24472518265247345},{"word":"the","start":3014.7852,"end":3014.865,"confidence":0.89519334,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21650196611881256},{"word":"wonderful","start":3014.865,"end":3015.365,"confidence":0.96122545,"punctuated_word":"wonderful","sentiment":"neutral","sentiment_score":-0.0131189227104187},{"word":"apps","start":3015.425,"end":3015.745,"confidence":0.99632406,"punctuated_word":"apps","sentiment":"neutral","sentiment_score":-0.1498614400625229},{"word":"that","start":3015.745,"end":3015.8252,"confidence":0.7176419,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.25753846764564514},{"word":"are","start":3015.8252,"end":3015.985,"confidence":0.98486114,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.24315842986106873},{"word":"a","start":3015.985,"end":3016.0652,"confidence":0.9391292,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2089891880750656},{"word":"little","start":3016.0652,"end":3016.3052,"confidence":0.97362775,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.19918711483478543},{"word":"bit","start":3016.3052,"end":3016.5452,"confidence":0.9971511,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.22990566492080688},{"word":"slow","start":3016.5452,"end":3017.0452,"confidence":0.9623884,"punctuated_word":"slow.","sentiment":"neutral","sentiment_score":-0.13458439707756042},{"word":"so","start":3017.905,"end":3018.405,"confidence":0.7876607,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.006186981685459614},{"word":"so","start":3020.77,"end":3021.17,"confidence":0.9969248,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.005541173741221428},{"word":"one","start":3021.17,"end":3021.41,"confidence":0.99728775,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.002148131839931011},{"word":"forty","start":3021.41,"end":3021.8098,"confidence":0.9993973,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":0.0034288205206394196},{"word":"eight","start":3021.8098,"end":3022.13,"confidence":0.99933654,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.0017090905457735062},{"word":"one","start":3022.13,"end":3022.3699,"confidence":0.9522203,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.008195046335458755},{"word":"one","start":3022.3699,"end":3022.6099,"confidence":0.9996847,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.013435067608952522},{"word":"two","start":3022.6099,"end":3022.93,"confidence":0.99955946,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.017052046954631805},{"word":"and","start":3022.93,"end":3023.17,"confidence":0.9987446,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014229245483875276},{"word":"forty","start":3023.17,"end":3023.49,"confidence":0.99946004,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":0.01476234570145607},{"word":"one","start":3023.49,"end":3023.65,"confidence":0.9989826,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.01574193686246872},{"word":"cents","start":3023.65,"end":3024.15,"confidence":0.9654257,"punctuated_word":"cents.","sentiment":"neutral","sentiment_score":0.011349817737936974},{"word":"so","start":3033.205,"end":3033.445,"confidence":0.7320644,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.26794880628585815},{"word":"that's","start":3033.445,"end":3033.765,"confidence":0.9594919,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.21732281148433685},{"word":"on","start":3033.765,"end":3033.925,"confidence":0.9987639,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.32117071747779846},{"word":"top","start":3033.925,"end":3034.085,"confidence":0.99972004,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.08892734348773956},{"word":"of","start":3034.085,"end":3034.165,"confidence":0.9992176,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08173580467700958},{"word":"my","start":3034.165,"end":3034.405,"confidence":0.9989717,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.08313380926847458},{"word":"$5.17","start":3034.405,"end":3035.205,"confidence":0.9714091,"punctuated_word":"$5.17,","sentiment":"neutral","sentiment_score":0.04168514907360077},{"word":"isn't","start":3035.205,"end":3035.525,"confidence":0.9994297,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":0.0731717199087143},{"word":"it","start":3035.525,"end":3036.025,"confidence":0.99854374,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.03003041446208954},{"word":"yeah","start":3036.2449,"end":3036.7449,"confidence":0.8889647,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.002326683606952429},{"word":"i","start":3036.9648,"end":3037.125,"confidence":0.9957546,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.027415819466114044},{"word":"keep","start":3037.125,"end":3037.445,"confidence":0.9917337,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.0759802833199501},{"word":"thinking","start":3037.445,"end":3037.765,"confidence":0.9958396,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.07349957525730133},{"word":"i","start":3037.765,"end":3037.925,"confidence":0.9960349,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04806267097592354},{"word":"have","start":3037.925,"end":3038.085,"confidence":0.9997782,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.033121123909950256},{"word":"a","start":3038.085,"end":3038.2449,"confidence":0.99912494,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0564483180642128},{"word":"small","start":3038.2449,"end":3038.565,"confidence":0.9996202,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.07868923991918564},{"word":"amount","start":3038.565,"end":3038.885,"confidence":0.9132912,"punctuated_word":"amount,","sentiment":"neutral","sentiment_score":0.05866415426135063},{"word":"and","start":3038.885,"end":3039.045,"confidence":0.9995235,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0016161128878593445},{"word":"then","start":3039.045,"end":3039.285,"confidence":0.9994679,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.013786839321255684},{"word":"i","start":3039.285,"end":3039.605,"confidence":0.99476224,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.003860419616103172},{"word":"remember","start":3039.605,"end":3040.085,"confidence":0.9262631,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.01692340336740017},{"word":"i've","start":3040.085,"end":3040.325,"confidence":0.9545601,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.00016563944518566132},{"word":"got","start":3040.325,"end":3040.565,"confidence":0.99989426,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.002004740759730339},{"word":"two","start":3040.565,"end":3041.065,"confidence":0.99714565,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":0.01131166610866785},{"word":"yeah","start":3049.8599,"end":3050.3599,"confidence":0.9863527,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01969067007303238},{"word":"yep","start":3053.22,"end":3053.72,"confidence":0.84283245,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05370364338159561},{"word":"i","start":3079.3,"end":3079.54,"confidence":0.5392989,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12027503550052644},{"word":"pretty","start":3079.54,"end":3079.78,"confidence":0.87685555,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.0914318710565567},{"word":"much","start":3079.78,"end":3080.02,"confidence":0.99976903,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.09982453286647797},{"word":"have","start":3080.02,"end":3080.18,"confidence":0.99858654,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14567077159881592},{"word":"to","start":3080.18,"end":3080.26,"confidence":0.99971205,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07555347681045532},{"word":"keep","start":3080.26,"end":3080.5,"confidence":0.9998123,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.05488380789756775},{"word":"that","start":3080.5,"end":3080.66,"confidence":0.99975544,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08508271723985672},{"word":"one","start":3080.66,"end":3080.9,"confidence":0.9974377,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.09544392675161362},{"word":"there","start":3080.9,"end":3081.06,"confidence":0.9995302,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06263963878154755},{"word":"until","start":3081.06,"end":3081.3,"confidence":0.99862003,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.02888212352991104},{"word":"i'm","start":3081.3,"end":3081.46,"confidence":0.9993557,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03029746375977993},{"word":"at","start":3081.46,"end":3081.6199,"confidence":0.996166,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.014578379690647124},{"word":"least","start":3081.6199,"end":3081.86,"confidence":0.9996911,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.03360936790704727},{"word":"55","start":3081.86,"end":3082.76,"confidence":0.9750476,"punctuated_word":"55,","sentiment":"neutral","sentiment_score":0.03270752727985382},{"word":"it","start":3082.9,"end":3083.14,"confidence":0.9945972,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.019663918763399124},{"word":"says","start":3083.14,"end":3083.64,"confidence":0.983281,"punctuated_word":"says.","sentiment":"neutral","sentiment_score":0.02144799008965492},{"word":"otherwise","start":3083.86,"end":3084.26,"confidence":0.99697065,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":-0.06980675458908081},{"word":"i","start":3084.26,"end":3084.5,"confidence":0.9988765,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09409207850694656},{"word":"lose","start":3084.5,"end":3084.82,"confidence":0.8095926,"punctuated_word":"lose,","sentiment":"neutral","sentiment_score":-0.10099980235099792},{"word":"like","start":3084.82,"end":3085.22,"confidence":0.9985783,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1184954047203064},{"word":"$20","start":3085.22,"end":3085.86,"confidence":0.9988958,"punctuated_word":"$20","sentiment":"neutral","sentiment_score":-0.0974232852458954},{"word":"out","start":3085.86,"end":3086.02,"confidence":0.9957831,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1459026336669922},{"word":"of","start":3086.02,"end":3086.1,"confidence":0.9993899,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10030506551265717},{"word":"that","start":3086.1,"end":3086.6,"confidence":0.96013486,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.04447036236524582},{"word":"which","start":3087.38,"end":3087.6199,"confidence":0.99399996,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.09759243577718736},{"word":"is","start":3087.6199,"end":3087.78,"confidence":0.9984817,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11482445895671844},{"word":"not","start":3087.78,"end":3087.94,"confidence":0.9994972,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4410304427146912},{"word":"worth","start":3087.94,"end":3088.18,"confidence":0.9997147,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.2735345959663391},{"word":"it","start":3088.18,"end":3088.68,"confidence":0.99829483,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.29587337374687195},{"word":"yep","start":3094.025,"end":3094.525,"confidence":0.75880724,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.011549487709999084},{"word":"yeah","start":3111.7998,"end":3112.2998,"confidence":0.9553385,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17631837725639343},{"word":"euros","start":3122.2349,"end":3122.7349,"confidence":0.5296666,"punctuated_word":"Euros.","sentiment":"neutral","sentiment_score":0.09560081362724304},{"word":"yep","start":3122.795,"end":3123.295,"confidence":0.8541672,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13413825631141665},{"word":"yep","start":3124.075,"end":3124.575,"confidence":0.8479562,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20645400881767273},{"word":"yep","start":3134.17,"end":3134.67,"confidence":0.8606308,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01811050996184349},{"word":"we're","start":3175.595,"end":3175.915,"confidence":0.7478521,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.008131659589707851},{"word":"just","start":3175.915,"end":3176.075,"confidence":0.99675506,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0024681389331817627},{"word":"laughing","start":3176.075,"end":3176.395,"confidence":0.99951935,"punctuated_word":"laughing","sentiment":"neutral","sentiment_score":0.03789760172367096},{"word":"at","start":3176.395,"end":3176.555,"confidence":0.9973851,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03800396621227264},{"word":"the","start":3176.555,"end":3176.715,"confidence":0.9835829,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06154331564903259},{"word":"young","start":3176.715,"end":3176.875,"confidence":0.98084706,"punctuated_word":"young","sentiment":"neutral","sentiment_score":-0.03579182177782059},{"word":"fella","start":3176.875,"end":3177.115,"confidence":0.7629201,"punctuated_word":"fella","sentiment":"neutral","sentiment_score":-0.029373642057180405},{"word":"at","start":3177.115,"end":3177.195,"confidence":0.87936974,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.041546307504177094},{"word":"the","start":3177.195,"end":3177.275,"confidence":0.99953413,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05435565859079361},{"word":"door","start":3177.275,"end":3177.515,"confidence":0.9987727,"punctuated_word":"door","sentiment":"neutral","sentiment_score":-0.034196704626083374},{"word":"trying","start":3177.515,"end":3177.755,"confidence":0.88239175,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.04502838850021362},{"word":"to","start":3177.755,"end":3177.835,"confidence":0.9978726,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04290885105729103},{"word":"make","start":3177.835,"end":3177.995,"confidence":0.9950885,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.04985363408923149},{"word":"his","start":3177.995,"end":3178.155,"confidence":0.99875975,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.07419157028198242},{"word":"way","start":3178.155,"end":3178.315,"confidence":0.9988514,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.06683938950300217},{"word":"in","start":3178.315,"end":3178.815,"confidence":0.9978401,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.051780618727207184},{"word":"we've","start":3179.515,"end":3179.755,"confidence":0.5814538,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.09380926191806792},{"word":"got","start":3179.755,"end":3179.915,"confidence":0.9992034,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.09412799775600432},{"word":"the","start":3179.915,"end":3179.995,"confidence":0.99653816,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10070781409740448},{"word":"door","start":3179.995,"end":3180.315,"confidence":0.9981331,"punctuated_word":"door","sentiment":"neutral","sentiment_score":-0.08291158080101013},{"word":"closed","start":3180.315,"end":3180.815,"confidence":0.8153933,"punctuated_word":"closed?","sentiment":"neutral","sentiment_score":-0.09271345287561417},{"word":"yeah","start":3217.5498,"end":3218.0498,"confidence":0.987468,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012428071349859238},{"word":"yep","start":3235.865,"end":3236.2651,"confidence":0.8890401,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19999751448631287},{"word":"yep","start":3236.2651,"end":3236.665,"confidence":0.87139404,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15941300988197327},{"word":"at","start":3236.665,"end":3236.825,"confidence":0.14642873,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.14598539471626282},{"word":"link","start":3236.825,"end":3237.065,"confidence":0.46747693,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.11939425021409988},{"word":"dot","start":3237.065,"end":3237.385,"confidence":0.8333946,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":0.1177825853228569},{"word":"same","start":3239.625,"end":3240.125,"confidence":0.97179806,"punctuated_word":"Same.","sentiment":"neutral","sentiment_score":0.09858129918575288},{"word":"yeah","start":3240.265,"end":3240.765,"confidence":0.92135537,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13426604866981506},{"word":"yep","start":3326.7751,"end":3327.15,"confidence":0.91632164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.10140097141265868},{"word":"yep","start":3356.93,"end":3357.33,"confidence":0.9867228,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15014827251434326},{"word":"maybe","start":3357.33,"end":3357.73,"confidence":0.9916352,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.14864522218704224},{"word":"maybe","start":3357.73,"end":3358.1301,"confidence":0.9608782,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.15603798627853394},{"word":"down","start":3358.1301,"end":3358.37,"confidence":0.8051844,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.19989946484565735},{"word":"the","start":3358.37,"end":3358.53,"confidence":0.9944512,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1583237648010254},{"word":"track","start":3358.53,"end":3358.77,"confidence":0.99863964,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.13668599724769592},{"word":"as","start":3358.77,"end":3358.93,"confidence":0.9401178,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1589999943971634},{"word":"we","start":3358.93,"end":3359.09,"confidence":0.9991542,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1413918435573578},{"word":"get","start":3359.09,"end":3359.25,"confidence":0.630789,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.14195524156093595},{"word":"on","start":3359.25,"end":3359.4102,"confidence":0.8005383,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.11826583743095398},{"word":"we","start":3359.4102,"end":3359.57,"confidence":0.9877621,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14965170621871948},{"word":"might","start":3359.57,"end":3359.81,"confidence":0.99878675,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.15380915999412537},{"word":"drop","start":3359.81,"end":3360.05,"confidence":0.9951441,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.11584106087684631},{"word":"to","start":3360.05,"end":3360.13,"confidence":0.97101194,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07130543887615204},{"word":"a","start":3360.13,"end":3360.21,"confidence":0.59717375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10628601163625716},{"word":"from","start":3360.29,"end":3360.45,"confidence":0.9998499,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08643841743469238},{"word":"a","start":3360.45,"end":3360.61,"confidence":0.99825805,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10024785995483398},{"word":"three","start":3360.61,"end":3360.85,"confidence":0.99937683,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.0860532894730568},{"word":"to","start":3360.85,"end":3360.93,"confidence":0.9819224,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09870520234107973},{"word":"a","start":3360.93,"end":3361.09,"confidence":0.9928799,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13053275644779205},{"word":"two","start":3361.09,"end":3361.33,"confidence":0.9994604,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.08837080001831055},{"word":"sort","start":3361.33,"end":3361.49,"confidence":0.98799765,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.065727099776268},{"word":"of","start":3361.49,"end":3361.57,"confidence":0.9626166,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09000255167484283},{"word":"thing","start":3361.57,"end":3361.81,"confidence":0.8515508,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.1250586211681366},{"word":"like","start":3361.81,"end":3362.05,"confidence":0.71928835,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.11007051169872284},{"word":"a","start":3362.05,"end":3362.21,"confidence":0.57729614,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1026332825422287},{"word":"slightly","start":3362.21,"end":3362.61,"confidence":0.9810817,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":0.09924017637968063},{"word":"safer","start":3362.61,"end":3363.09,"confidence":0.7848494,"punctuated_word":"safer,","sentiment":"neutral","sentiment_score":0.11266353726387024},{"word":"but","start":3363.09,"end":3363.59,"confidence":0.91122556,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.13675953447818756},{"word":"yeah","start":3363.81,"end":3364.05,"confidence":0.9935621,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.19982779026031497},{"word":"we'd","start":3364.05,"end":3364.21,"confidence":0.9992963,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.26083502173423767},{"word":"like","start":3364.21,"end":3364.45,"confidence":0.8942108,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2608097195625305},{"word":"to","start":3364.45,"end":3364.53,"confidence":0.9991124,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27415311336517334},{"word":"get","start":3364.53,"end":3364.69,"confidence":0.99968493,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2440322637557983},{"word":"the","start":3364.69,"end":3364.85,"confidence":0.9609311,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21744632720947263},{"word":"balance","start":3364.85,"end":3365.25,"confidence":0.9191929,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.18625099956989288},{"word":"up","start":3365.25,"end":3365.49,"confidence":0.99305725,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.23947861790657043},{"word":"too","start":3365.49,"end":3365.73,"confidence":0.94805855,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.20363517105579376},{"word":"like","start":3365.73,"end":3365.97,"confidence":0.87514734,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.12234173715114594},{"word":"we'd","start":3365.97,"end":3366.1301,"confidence":0.9882284,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.24863611161708832},{"word":"like","start":3366.1301,"end":3366.29,"confidence":0.98282593,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.23048171401023865},{"word":"to","start":3366.29,"end":3366.45,"confidence":0.9967006,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.270695298910141},{"word":"get","start":3366.45,"end":3366.61,"confidence":0.99918693,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2334886789321899},{"word":"our","start":3366.61,"end":3366.77,"confidence":0.5785024,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.2224106788635254},{"word":"balance","start":3366.77,"end":3367.09,"confidence":0.9979418,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.2236473113298416},{"word":"up","start":3367.09,"end":3367.25,"confidence":0.98401064,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2553311884403229},{"word":"higher","start":3367.25,"end":3367.725,"confidence":0.94211125,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":0.2614916265010834},{"word":"so","start":3375.245,"end":3375.745,"confidence":0.9291264,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1291372925043106},{"word":"yep","start":3403.235,"end":3403.5552,"confidence":0.9777616,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05510516464710235},{"word":"yep","start":3403.5552,"end":3404.0552,"confidence":0.8422976,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06680392473936081},{"word":"no","start":3411.78,"end":3412.28,"confidence":0.8175539,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02779539674520493},{"word":"like","start":3414.98,"end":3415.3801,"confidence":0.5208079,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.013546209782361984},{"word":"now","start":3415.3801,"end":3415.62,"confidence":0.5338757,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.04963138699531555},{"word":"we're","start":3415.62,"end":3415.78,"confidence":0.78818804,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.16340556740760803},{"word":"happy","start":3415.78,"end":3416.02,"confidence":0.9980981,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2652208209037781},{"word":"for","start":3416.02,"end":3416.18,"confidence":0.6927428,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.36615875363349915},{"word":"it","start":3416.18,"end":3416.26,"confidence":0.79261136,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3207476735115051},{"word":"to","start":3416.26,"end":3416.6602,"confidence":0.9917997,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3029884099960327},{"word":"to","start":3416.6602,"end":3416.82,"confidence":0.8920392,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29705482721328735},{"word":"grow","start":3416.82,"end":3416.98,"confidence":0.5131995,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.27938106656074524},{"word":"and","start":3416.98,"end":3417.1401,"confidence":0.55528,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2640603482723236},{"word":"grow","start":3417.1401,"end":3417.3,"confidence":0.9974789,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.07505234330892563},{"word":"it","start":3417.3,"end":3417.3801,"confidence":0.9037058,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12405705451965332},{"word":"as","start":3417.3801,"end":3417.46,"confidence":0.99958926,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12449987232685088},{"word":"much","start":3417.46,"end":3417.7,"confidence":0.9993451,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.14191371202468872},{"word":"as","start":3417.7,"end":3417.78,"confidence":0.99338245,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1258985847234726},{"word":"we","start":3417.78,"end":3417.94,"confidence":0.9972579,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11423569917678832},{"word":"can","start":3417.94,"end":3418.44,"confidence":0.99858177,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.11465613543987274},{"word":"yeah","start":3422.74,"end":3423.24,"confidence":0.998425,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11587947607040404},{"word":"yep","start":3423.46,"end":3423.96,"confidence":0.95241004,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11990128457546234},{"word":"yep","start":3444.07,"end":3444.57,"confidence":0.84294426,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0674445778131485},{"word":"that's","start":3453.67,"end":3453.99,"confidence":0.9828122,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.805621862411499},{"word":"cool","start":3453.99,"end":3454.31,"confidence":0.99848604,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.7142859697341919},{"word":"yep","start":3454.31,"end":3454.81,"confidence":0.96048003,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21169167757034305},{"word":"off","start":3455.615,"end":3455.9348,"confidence":0.08640605,"punctuated_word":"Off","sentiment":"neutral","sentiment_score":0.0880049616098404},{"word":"expenses","start":3455.9348,"end":3456.4348,"confidence":0.9550455,"punctuated_word":"expenses.","sentiment":"neutral","sentiment_score":0.06446294486522675},{"word":"yep","start":3461.4548,"end":3461.7048,"confidence":0.77231693,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12745459377765656},{"word":"yep","start":3461.7048,"end":3462.2048,"confidence":0.76281726,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12853607535362244},{"word":"yes","start":3472.17,"end":3472.49,"confidence":0.84275293,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.33661139011383057},{"word":"cool","start":3472.49,"end":3472.99,"confidence":0.9310484,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4837556183338166},{"word":"imagine","start":3473.37,"end":3473.69,"confidence":0.52883637,"punctuated_word":"Imagine","sentiment":"positive","sentiment_score":0.36578190326690674},{"word":"what","start":3473.69,"end":3473.85,"confidence":0.9823423,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4338426291942597},{"word":"i'll","start":3473.85,"end":3473.93,"confidence":0.7015784,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3453110158443451},{"word":"do","start":3473.93,"end":3474.09,"confidence":0.9984598,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3189947307109833},{"word":"for","start":3474.09,"end":3474.33,"confidence":0.99547666,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1443222165107727},{"word":"you","start":3474.33,"end":3474.41,"confidence":0.98233473,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.289702832698822},{"word":"yeah","start":3474.41,"end":3474.91,"confidence":0.8285357,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03260131552815437},{"word":"yeah","start":3479.69,"end":3480.17,"confidence":0.6849537,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03073333203792572},{"word":"yep","start":3480.17,"end":3480.67,"confidence":0.9931555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.050258781760931015},{"word":"yep","start":3492.505,"end":3493.005,"confidence":0.6969755,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10172632336616516},{"word":"cool","start":3510.01,"end":3510.51,"confidence":0.6776819,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4876832365989685},{"word":"it's","start":3526.175,"end":3526.415,"confidence":0.83451664,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.10067107528448103},{"word":"just","start":3526.415,"end":3526.575,"confidence":0.9945945,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12035733461380003},{"word":"looking","start":3526.575,"end":3526.895,"confidence":0.99921834,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.108857199549675},{"word":"like","start":3526.895,"end":3527.135,"confidence":0.9808233,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.15925633907318115},{"word":"it","start":3527.135,"end":3527.2952,"confidence":0.9982351,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16141515970230105},{"word":"is","start":3527.2952,"end":3527.64,"confidence":0.9919108,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.08766873180866241},{"word":"yes","start":3534.2,"end":3534.68,"confidence":0.6693372,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.012914213351905346},{"word":"yep","start":3534.68,"end":3535.18,"confidence":0.74931777,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.009090938605368136},{"word":"i'll","start":3536.5999,"end":3536.92,"confidence":0.66854346,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09573839604854584},{"word":"i'll","start":3536.92,"end":3537.0798,"confidence":0.9254006,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12167099118232728},{"word":"yeah","start":3537.24,"end":3537.48,"confidence":0.85914695,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.13211551308631897},{"word":"i'll","start":3537.48,"end":3537.5598,"confidence":0.9875326,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12088482081890106},{"word":"make","start":3537.5598,"end":3537.7998,"confidence":0.9961855,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1331598162651062},{"word":"whatever","start":3537.7998,"end":3538.1199,"confidence":0.9866165,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.13621915876865387},{"word":"the","start":3538.1199,"end":3538.2798,"confidence":0.99903727,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10020352900028227},{"word":"maximum","start":3538.2798,"end":3538.7798,"confidence":0.99873513,"punctuated_word":"maximum","sentiment":"neutral","sentiment_score":0.08209570497274399},{"word":"you","start":3539.0798,"end":3539.24,"confidence":0.98758614,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1079409047961235},{"word":"can","start":3539.24,"end":3539.48,"confidence":0.9970686,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08749037981033325},{"word":"use","start":3539.48,"end":3539.7998,"confidence":0.73079133,"punctuated_word":"use,","sentiment":"neutral","sentiment_score":0.10737960040569304},{"word":"i","start":3539.7998,"end":3539.88,"confidence":0.9997758,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08304184675216675},{"word":"think","start":3539.88,"end":3540.1199,"confidence":0.8600789,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.08606529980897903},{"word":"every","start":3540.1199,"end":3540.44,"confidence":0.99948287,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.08205405622720718},{"word":"year","start":3540.44,"end":3540.825,"confidence":0.7997335,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.08893200010061264},{"word":"so","start":3540.825,"end":3540.9849,"confidence":0.9988305,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10405048727989195},{"word":"that","start":3540.9849,"end":3541.2249,"confidence":0.99754214,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11143753677606584},{"word":"way","start":3541.2249,"end":3541.305,"confidence":0.749531,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.13297826051712036},{"word":"it","start":3541.305,"end":3541.4648,"confidence":0.99635893,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1188218593597412},{"word":"doesn't","start":3541.4648,"end":3541.865,"confidence":0.9993582,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.07640662789344788},{"word":"my","start":3542.025,"end":3542.265,"confidence":0.3950277,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.06527278572320938},{"word":"that","start":3542.345,"end":3542.505,"confidence":0.7351408,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0795573741197586},{"word":"way","start":3542.505,"end":3542.665,"confidence":0.9637827,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.09627395868301392},{"word":"cutting","start":3542.665,"end":3542.9849,"confidence":0.62180823,"punctuated_word":"cutting","sentiment":"neutral","sentiment_score":0.05200866237282753},{"word":"back","start":3542.9849,"end":3543.145,"confidence":0.99886787,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.05327379330992699},{"word":"half","start":3543.145,"end":3543.385,"confidence":0.9082407,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.07119806110858917},{"word":"time","start":3543.385,"end":3543.625,"confidence":0.96150863,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07549087703227997},{"word":"doesn't","start":3543.625,"end":3543.945,"confidence":0.9974015,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.08580359071493149},{"word":"really","start":3543.945,"end":3544.265,"confidence":0.9997192,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.05164746195077896},{"word":"affect","start":3544.265,"end":3544.765,"confidence":0.9965121,"punctuated_word":"affect","sentiment":"neutral","sentiment_score":0.036996543407440186},{"word":"the","start":3545.7048,"end":3545.865,"confidence":0.98323256,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10073477029800416},{"word":"super","start":3545.865,"end":3546.185,"confidence":0.91250336,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1830606907606125},{"word":"awesome","start":3546.505,"end":3546.705,"confidence":0.5765076,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.1919490396976471},{"word":"is","start":3546.905,"end":3546.9849,"confidence":0.8720979,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.017791245132684708},{"word":"what","start":3546.9849,"end":3547.065,"confidence":0.9660302,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.014965884387493134},{"word":"i","start":3547.065,"end":3547.145,"confidence":0.5383331,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008904341608285904},{"word":"hasn't","start":3547.305,"end":3547.625,"confidence":0.63605094,"punctuated_word":"Hasn't","sentiment":"neutral","sentiment_score":0.009323282167315485},{"word":"it","start":3547.625,"end":3547.865,"confidence":0.92355734,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.015420537441968918},{"word":"yeah","start":3547.865,"end":3548.365,"confidence":0.89307636,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06458675861358643},{"word":"what's","start":3558.0,"end":3558.3198,"confidence":0.98487043,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.0024643996730446815},{"word":"the","start":3558.3198,"end":3558.48,"confidence":0.4441558,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0023574233055114746},{"word":"what","start":3558.7998,"end":3558.8398,"confidence":0.98590547,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.005503734573721886},{"word":"what's","start":3558.88,"end":3559.2,"confidence":0.9984948,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.0039733173325657845},{"word":"what's","start":3559.2,"end":3559.52,"confidence":0.9538747,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.005124742165207863},{"word":"easier","start":3559.52,"end":3560.02,"confidence":0.991573,"punctuated_word":"easier?","sentiment":"neutral","sentiment_score":0.01311954576522112},{"word":"what's","start":3560.7998,"end":3561.2,"confidence":0.9965428,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.015288574621081352},{"word":"better","start":3561.2,"end":3561.7,"confidence":0.99027586,"punctuated_word":"better?","sentiment":"neutral","sentiment_score":0.031403690576553345},{"word":"in","start":3566.3198,"end":3566.64,"confidence":0.9607093,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.031699106097221375},{"word":"more","start":3566.64,"end":3566.88,"confidence":0.9165335,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.02443846315145493},{"word":"often","start":3566.88,"end":3567.3599,"confidence":0.97543764,"punctuated_word":"often.","sentiment":"neutral","sentiment_score":0.039379656314849854},{"word":"yep","start":3567.3599,"end":3567.76,"confidence":0.7528858,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09038686007261276},{"word":"that's","start":3567.76,"end":3568.0798,"confidence":0.7120217,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12597136199474335},{"word":"true","start":3568.0798,"end":3568.3198,"confidence":0.99300545,"punctuated_word":"true.","sentiment":"neutral","sentiment_score":0.16097627580165863},{"word":"yep","start":3568.3198,"end":3568.64,"confidence":0.7725558,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13591831922531128},{"word":"that's","start":3568.64,"end":3568.935,"confidence":0.9920009,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11714863032102583},{"word":"yep","start":3569.2551,"end":3569.7551,"confidence":0.89317995,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.1009141132235527},{"word":"yep","start":3574.455,"end":3574.955,"confidence":0.95553535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16608212888240814},{"word":"yep","start":3576.615,"end":3576.935,"confidence":0.856337,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10233829915523528},{"word":"because","start":3576.935,"end":3577.095,"confidence":0.8352509,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.1063413918018341},{"word":"that","start":3577.095,"end":3577.175,"confidence":0.98945475,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15076132118701935},{"word":"way","start":3577.175,"end":3577.335,"confidence":0.83460754,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.14612989127635956},{"word":"then","start":3577.335,"end":3577.495,"confidence":0.7546101,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16094765067100525},{"word":"when","start":3577.495,"end":3577.5752,"confidence":0.9587775,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12329581379890442},{"word":"i","start":3577.5752,"end":3577.655,"confidence":0.9976428,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10756275057792664},{"word":"get","start":3577.655,"end":3577.815,"confidence":0.99675614,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.160114124417305},{"word":"on","start":3577.815,"end":3577.975,"confidence":0.6423926,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17215043306350708},{"word":"my","start":3577.975,"end":3578.135,"confidence":0.9343254,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.19639036059379575},{"word":"bench","start":3578.135,"end":3578.2952,"confidence":0.79171836,"punctuated_word":"bench,","sentiment":"neutral","sentiment_score":0.2177636027336121},{"word":"when","start":3578.2952,"end":3578.455,"confidence":0.9762941,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.20377779006958008},{"word":"i","start":3578.455,"end":3578.5352,"confidence":0.99844533,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1268455684185028},{"word":"get","start":3578.5352,"end":3578.7751,"confidence":0.99866307,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12994703650474548},{"word":"on","start":3578.7751,"end":3578.855,"confidence":0.81917894,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14077448844909668},{"word":"my","start":3578.855,"end":3578.935,"confidence":0.995503,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2007720023393631},{"word":"bank","start":3578.935,"end":3579.2551,"confidence":0.8811481,"punctuated_word":"bank,","sentiment":"neutral","sentiment_score":0.19218869507312775},{"word":"that's","start":3579.2551,"end":3579.575,"confidence":0.99100804,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.14473716914653778},{"word":"sort","start":3579.575,"end":3579.815,"confidence":0.9919817,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10876034945249556},{"word":"of","start":3579.815,"end":3579.895,"confidence":0.9486965,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12667086720466614},{"word":"good","start":3579.895,"end":3580.395,"confidence":0.99847984,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.48387646675109863},{"word":"yep","start":3592.3801,"end":3592.8801,"confidence":0.60194534,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.003007862251251936},{"word":"so","start":3593.1,"end":3593.26,"confidence":0.97411364,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.007033796980977058},{"word":"you","start":3593.26,"end":3593.34,"confidence":0.9968323,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.018074173480272293},{"word":"don't","start":3593.34,"end":3593.58,"confidence":0.9900764,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.00884217582643032},{"word":"go","start":3593.58,"end":3593.74,"confidence":0.99866045,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.00943187065422535},{"word":"over","start":3593.74,"end":3594.225,"confidence":0.75048053,"punctuated_word":"over?","sentiment":"neutral","sentiment_score":0.010513320565223694},{"word":"yep","start":3595.105,"end":3595.605,"confidence":0.7887389,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0885629653930664},{"word":"yep","start":3599.665,"end":3600.165,"confidence":0.8461975,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1993865817785263},{"word":"yep","start":3610.6,"end":3611.1,"confidence":0.9936937,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08300270885229111},{"word":"yeah","start":3621.345,"end":3621.845,"confidence":0.99484336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1608206331729889},{"word":"yeah","start":3625.345,"end":3625.665,"confidence":0.9888772,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1113024726510048},{"word":"that's","start":3625.665,"end":3625.9849,"confidence":0.9972155,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1812659502029419},{"word":"fine","start":3625.9849,"end":3626.4849,"confidence":0.9980999,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.20336055755615232},{"word":"yeah","start":3635.75,"end":3636.25,"confidence":0.80715925,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06465259939432144},{"word":"yep","start":3642.15,"end":3642.65,"confidence":0.79170567,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11177647113800047},{"word":"yes","start":3646.31,"end":3646.79,"confidence":0.9449179,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10802267491817474},{"word":"yes","start":3646.79,"end":3647.19,"confidence":0.96136385,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12684039771556854},{"word":"yep","start":3647.19,"end":3647.43,"confidence":0.7797236,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.155398890376091},{"word":"so","start":3647.43,"end":3647.67,"confidence":0.9318392,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19422701001167297},{"word":"pretty","start":3647.67,"end":3647.91,"confidence":0.97003585,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.23013167083263397},{"word":"much","start":3647.91,"end":3648.07,"confidence":0.99961865,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1983046978712082},{"word":"to","start":3648.07,"end":3648.15,"confidence":0.8050466,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2059445083141327},{"word":"be","start":3648.15,"end":3648.23,"confidence":0.9989158,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1843537837266922},{"word":"in","start":3648.23,"end":3648.39,"confidence":0.9941532,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19715790450572968},{"word":"the","start":3648.39,"end":3648.47,"confidence":0.9994547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1907333880662918},{"word":"same","start":3648.47,"end":3648.63,"confidence":0.99882907,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.2449723780155182},{"word":"position","start":3648.63,"end":3648.95,"confidence":0.99854714,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.18061639368534088},{"word":"as","start":3648.95,"end":3649.11,"confidence":0.98850775,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2152082324028015},{"word":"scott","start":3649.11,"end":3649.575,"confidence":0.99012864,"punctuated_word":"Scott.","sentiment":"neutral","sentiment_score":0.18593405187129977},{"word":"so","start":3649.655,"end":3649.7349,"confidence":0.9009798,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13706164062023163},{"word":"yeah","start":3649.895,"end":3650.375,"confidence":0.7519165,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.14495263993740082},{"word":"yes","start":3650.375,"end":3650.855,"confidence":0.8193072,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09135979413986206},{"word":"salary","start":3650.855,"end":3651.355,"confidence":0.79143316,"punctuated_word":"Salary","sentiment":"neutral","sentiment_score":0.08758784830570221},{"word":"sacrificing","start":3651.4949,"end":3651.9749,"confidence":0.8978259,"punctuated_word":"sacrificing","sentiment":"neutral","sentiment_score":-0.0013288185000419617},{"word":"as","start":3651.9749,"end":3652.135,"confidence":0.99962914,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.00942324846982956},{"word":"well","start":3652.135,"end":3652.295,"confidence":0.9999529,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.04851841926574707},{"word":"and","start":3652.295,"end":3652.535,"confidence":0.93717086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0068148598074913025},{"word":"making","start":3652.535,"end":3652.775,"confidence":0.99533737,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.0034888461232185364},{"word":"sure","start":3652.775,"end":3652.935,"confidence":0.9997173,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.021101564168930057},{"word":"we","start":3652.935,"end":3653.095,"confidence":0.993568,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03463539481163025},{"word":"can","start":3653.095,"end":3653.255,"confidence":0.99817634,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.013243556022644045},{"word":"still","start":3653.255,"end":3653.415,"confidence":0.99954563,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.05487839877605438},{"word":"live","start":3653.415,"end":3653.915,"confidence":0.9256542,"punctuated_word":"live.","sentiment":"neutral","sentiment_score":0.04226553067564964},{"word":"it's","start":3654.375,"end":3654.535,"confidence":0.8274486,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.024020813405513763},{"word":"not","start":3654.535,"end":3654.615,"confidence":0.75003105,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.001780979335308075},{"word":"all","start":3654.615,"end":3655.115,"confidence":0.88359624,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.007280122488737106},{"word":"whip","start":3655.335,"end":3655.4949,"confidence":0.3844484,"punctuated_word":"whip","sentiment":"neutral","sentiment_score":0.0493602454662323},{"word":"her","start":3655.4949,"end":3655.655,"confidence":0.9881053,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.025122396647930145},{"word":"and","start":3655.655,"end":3655.895,"confidence":0.98777384,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.098628930747509},{"word":"make","start":3655.895,"end":3656.055,"confidence":0.996968,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.14029134809970856},{"word":"her","start":3656.055,"end":3656.135,"confidence":0.6515096,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.10790938138961792},{"word":"work","start":3656.135,"end":3656.295,"confidence":0.9986393,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.11306990683078766},{"word":"till","start":3656.295,"end":3656.535,"confidence":0.9883609,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.18750515580177307},{"word":"she's","start":3656.535,"end":3656.775,"confidence":0.99909866,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.11918430775403976},{"word":"50","start":3656.775,"end":3657.275,"confidence":0.9983959,"punctuated_word":"50.","sentiment":"neutral","sentiment_score":0.10354716330766678},{"word":"yep","start":3679.9648,"end":3680.4648,"confidence":0.8466913,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04481428489089012},{"word":"yep","start":3691.165,"end":3691.665,"confidence":0.8927604,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.025033369660377502},{"word":"no","start":3721.055,"end":3721.295,"confidence":0.7657701,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04491013288497925},{"word":"that's","start":3721.295,"end":3721.615,"confidence":0.988804,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.02361535094678402},{"word":"good","start":3721.615,"end":3722.01,"confidence":0.9986998,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.022416574880480766},{"word":"yep","start":3756.05,"end":3756.55,"confidence":0.9903319,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07372811436653137},{"word":"yes","start":3756.69,"end":3757.19,"confidence":0.9993181,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1159842535853386},{"word":"yep","start":3777.625,"end":3778.125,"confidence":0.87000597,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07963784039020538},{"word":"yep","start":3778.2651,"end":3778.7651,"confidence":0.7078613,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08475393056869507},{"word":"the","start":3787.47,"end":3787.55,"confidence":0.9438344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.15363386273384094},{"word":"only","start":3787.55,"end":3787.79,"confidence":0.9965107,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.0738358199596405},{"word":"other","start":3787.79,"end":3788.03,"confidence":0.99890995,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.14871834218502045},{"word":"thing","start":3788.03,"end":3788.27,"confidence":0.9993006,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.18571454286575317},{"word":"is","start":3788.27,"end":3788.59,"confidence":0.9993451,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19116513431072235},{"word":"the","start":3788.59,"end":3789.09,"confidence":0.92781085,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29510727524757385},{"word":"super","start":3789.1501,"end":3789.6501,"confidence":0.89556265,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.49004027247428894},{"word":"for","start":3789.71,"end":3789.87,"confidence":0.9605115,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4127470850944519},{"word":"me","start":3789.87,"end":3790.35,"confidence":0.9057294,"punctuated_word":"me,","sentiment":"positive","sentiment_score":0.42969411611557007},{"word":"brighter","start":3790.35,"end":3790.85,"confidence":0.54170007,"punctuated_word":"brighter","sentiment":"positive","sentiment_score":0.5113387107849121},{"word":"super","start":3790.9102,"end":3791.31,"confidence":0.9936744,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.5596998333930969},{"word":"is","start":3791.31,"end":3791.47,"confidence":0.54660946,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.44678252935409546},{"word":"still","start":3791.47,"end":3791.79,"confidence":0.99960726,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4070885479450226},{"word":"under","start":3791.79,"end":3792.03,"confidence":0.89016664,"punctuated_word":"under","sentiment":"positive","sentiment_score":0.33515089750289917},{"word":"lisa","start":3792.03,"end":3792.35,"confidence":0.9798579,"punctuated_word":"Lisa","sentiment":"neutral","sentiment_score":0.305636465549469},{"word":"bergen","start":3792.35,"end":3792.85,"confidence":0.9558291,"punctuated_word":"Bergen.","sentiment":"neutral","sentiment_score":0.26896005868911743},{"word":"yep","start":3803.205,"end":3803.705,"confidence":0.965297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23565375804901123},{"word":"yep","start":3804.485,"end":3804.985,"confidence":0.9906106,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.103768453001976},{"word":"cool","start":3822.875,"end":3823.375,"confidence":0.8333731,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.549824595451355},{"word":"sounds","start":3823.675,"end":3824.075,"confidence":0.9851134,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.6712636947631836},{"word":"good","start":3824.075,"end":3824.395,"confidence":0.99440205,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.665079653263092},{"word":"and","start":3824.395,"end":3824.715,"confidence":0.9989498,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4885391294956207},{"word":"and","start":3824.715,"end":3825.035,"confidence":0.77638113,"punctuated_word":"and,","sentiment":"positive","sentiment_score":0.3847251534461975},{"word":"yeah","start":3825.035,"end":3825.535,"confidence":0.95383275,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.36493247747421265},{"word":"with","start":3825.595,"end":3825.995,"confidence":0.97941977,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3258517384529114},{"word":"with","start":3825.995,"end":3826.315,"confidence":0.99854195,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2775021195411682},{"word":"signing","start":3826.315,"end":3826.635,"confidence":0.9991314,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":0.2656676769256592},{"word":"up","start":3826.635,"end":3826.875,"confidence":0.9651122,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.2964395582675934},{"word":"obviously","start":3826.875,"end":3827.275,"confidence":0.98805416,"punctuated_word":"obviously,","sentiment":"positive","sentiment_score":0.3540966212749481},{"word":"i'm","start":3827.275,"end":3827.5151,"confidence":0.9997302,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5290389657020569},{"word":"i'm","start":3827.5151,"end":3827.675,"confidence":0.99599135,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6570783853530884},{"word":"happy","start":3827.675,"end":3827.915,"confidence":0.9998522,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6740099787712097},{"word":"to","start":3827.915,"end":3827.995,"confidence":0.9989718,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6665232181549072},{"word":"go","start":3827.995,"end":3828.155,"confidence":0.9996971,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.6336259841918945},{"word":"ahead","start":3828.155,"end":3828.395,"confidence":0.9976787,"punctuated_word":"ahead","sentiment":"positive","sentiment_score":0.6367603540420532},{"word":"with","start":3828.395,"end":3828.555,"confidence":0.99233353,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6296042799949646},{"word":"signing","start":3828.555,"end":3828.875,"confidence":0.9988894,"punctuated_word":"signing","sentiment":"positive","sentiment_score":0.5145823955535889},{"word":"up","start":3828.875,"end":3828.955,"confidence":0.89815164,"punctuated_word":"up.","sentiment":"positive","sentiment_score":0.5609867572784424},{"word":"so","start":3828.955,"end":3829.115,"confidence":0.9995555,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2805381417274475},{"word":"whatever","start":3829.115,"end":3829.5151,"confidence":0.9966037,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.2593041956424713},{"word":"i","start":3829.5151,"end":3829.595,"confidence":0.999559,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2465563416481018},{"word":"need","start":3829.595,"end":3829.835,"confidence":0.99898237,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.22946137189865112},{"word":"to","start":3829.835,"end":3829.915,"confidence":0.99966156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2254175990819931},{"word":"do","start":3829.915,"end":3830.415,"confidence":0.998466,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22721847891807556},{"word":"to","start":3830.795,"end":3831.035,"confidence":0.97358006,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.255013644695282},{"word":"do","start":3831.035,"end":3831.195,"confidence":0.9996278,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.26129433512687683},{"word":"that","start":3831.195,"end":3831.435,"confidence":0.9844536,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.3012544512748718},{"word":"just","start":3831.435,"end":3831.7551,"confidence":0.99980146,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.30230554938316345},{"word":"just","start":3831.7551,"end":3831.995,"confidence":0.99537766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.30679231882095337},{"word":"let","start":3831.995,"end":3832.235,"confidence":0.9997254,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2776678502559662},{"word":"me","start":3832.235,"end":3832.315,"confidence":0.99968815,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.27570897340774536},{"word":"know","start":3832.315,"end":3832.475,"confidence":0.999863,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.30497825145721436},{"word":"and","start":3832.475,"end":3832.795,"confidence":0.50046146,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2808264493942261},{"word":"i'll","start":3832.795,"end":3832.955,"confidence":0.99777126,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2674825191497803},{"word":"sign","start":3832.955,"end":3833.355,"confidence":0.97939014,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.2049560993909836},{"word":"whatever","start":3833.355,"end":3833.855,"confidence":0.9730429,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.23515339195728305},{"word":"needs","start":3833.915,"end":3834.155,"confidence":0.6465704,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.14848622679710388},{"word":"to","start":3834.155,"end":3834.235,"confidence":0.9974535,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16519728302955627},{"word":"be","start":3834.235,"end":3834.395,"confidence":0.9987576,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17970502376556396},{"word":"signed","start":3834.395,"end":3834.895,"confidence":0.9836128,"punctuated_word":"signed.","sentiment":"neutral","sentiment_score":0.214059516787529},{"word":"yep","start":3843.3,"end":3843.8,"confidence":0.7891785,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06891695410013199},{"word":"yep","start":3855.665,"end":3856.165,"confidence":0.6699859,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13053017854690552},{"word":"nope","start":3883.2249,"end":3883.545,"confidence":0.7207069,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":0.1032651886343956},{"word":"it's","start":3883.545,"end":3883.785,"confidence":0.7825729,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.25315526127815247},{"word":"good","start":3883.785,"end":3884.025,"confidence":0.9901185,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.3001456558704376},{"word":"all","start":3884.025,"end":3884.265,"confidence":0.9551691,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4104108512401581},{"word":"good","start":3884.265,"end":3884.765,"confidence":0.9987496,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3412921726703644},{"word":"yeah","start":3890.91,"end":3891.23,"confidence":0.91226494,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04860002174973488},{"word":"what","start":3891.23,"end":3891.39,"confidence":0.2628917,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.012474538758397102},{"word":"do","start":3891.39,"end":3891.55,"confidence":0.31260172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.015644147992134094},{"word":"you","start":3891.55,"end":3891.71,"confidence":0.991454,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020375482738018036},{"word":"slip","start":3891.71,"end":3892.21,"confidence":0.8890508,"punctuated_word":"slip?","sentiment":"neutral","sentiment_score":0.02878515049815178},{"word":"yep","start":3894.27,"end":3894.77,"confidence":0.86578417,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05753286927938461},{"word":"no","start":3904.355,"end":3904.515,"confidence":0.935382,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.01883705146610737},{"word":"worries","start":3904.515,"end":3905.015,"confidence":0.9967141,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.028634198009967804},{"word":"yep","start":3909.075,"end":3909.475,"confidence":0.705016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16433970630168915},{"word":"all","start":3909.475,"end":3909.715,"confidence":0.85409445,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5555110573768616},{"word":"good","start":3909.715,"end":3910.215,"confidence":0.997488,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5368539094924927},{"word":"no","start":3918.59,"end":3919.09,"confidence":0.8742497,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03067844733595848},{"word":"no","start":3920.6702,"end":3920.99,"confidence":0.7726461,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.07614665478467941},{"word":"that","start":3920.99,"end":3921.07,"confidence":0.6103625,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2095889449119568},{"word":"works","start":3921.07,"end":3921.31,"confidence":0.9340584,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.28356799483299255},{"word":"good","start":3921.31,"end":3921.6301,"confidence":0.8974395,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.25734543800354004},{"word":"pretty","start":3921.6301,"end":3921.87,"confidence":0.95149153,"punctuated_word":"Pretty","sentiment":"positive","sentiment_score":0.4346734285354614},{"word":"good","start":3921.87,"end":3922.03,"confidence":0.91660094,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4198859930038452},{"word":"keeping","start":3922.03,"end":3922.4302,"confidence":0.58167195,"punctuated_word":"Keeping","sentiment":"positive","sentiment_score":0.4158780872821808},{"word":"up","start":3922.4302,"end":3922.9302,"confidence":0.8886641,"punctuated_word":"up.","sentiment":"positive","sentiment_score":0.36012572050094604},{"word":"okay","start":3943.085,"end":3943.585,"confidence":0.90115917,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07019057124853134},{"word":"okay","start":3950.1099,"end":3950.5098,"confidence":0.99703646,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02242577075958252},{"word":"so","start":3950.5098,"end":3950.75,"confidence":0.995255,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013149446807801723},{"word":"my","start":3950.75,"end":3951.0698,"confidence":0.94659466,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.014206701889634132},{"word":"payslip","start":3951.0698,"end":3951.5498,"confidence":0.9151118,"punctuated_word":"payslip,","sentiment":"neutral","sentiment_score":0.013057343661785126},{"word":"do","start":3951.5498,"end":3951.71,"confidence":0.9817762,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0058251675218343735},{"word":"you","start":3951.71,"end":3951.7898,"confidence":0.9995394,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006685405969619751},{"word":"want","start":3951.7898,"end":3952.1099,"confidence":0.9998629,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.004586337134242058},{"word":"the","start":3952.1099,"end":3952.5098,"confidence":0.9930962,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005901465192437172},{"word":"latest","start":3952.5098,"end":3952.8298,"confidence":0.9986999,"punctuated_word":"latest","sentiment":"neutral","sentiment_score":0.004739351570606232},{"word":"one","start":3952.8298,"end":3953.0698,"confidence":0.99878615,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.008559908717870712},{"word":"i've","start":3953.0698,"end":3953.39,"confidence":0.9653847,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.004382587503641844},{"word":"currently","start":3953.39,"end":3953.7898,"confidence":0.94525874,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.000035215169191360474},{"word":"got","start":3953.7898,"end":3954.1099,"confidence":0.7834664,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.009517306461930277},{"word":"or","start":3954.1099,"end":3954.3499,"confidence":0.9884094,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.004271401092410088},{"word":"i","start":3954.3499,"end":3954.43,"confidence":0.9656858,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0031029414385557175},{"word":"gotta","start":3954.43,"end":3954.67,"confidence":0.56934977,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.00463450513780117},{"word":"go","start":3954.67,"end":3954.91,"confidence":0.98965806,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.00806763768196106},{"word":"to","start":3954.91,"end":3954.99,"confidence":0.99753535,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011969007551670074},{"word":"work","start":3954.99,"end":3955.15,"confidence":0.9998933,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.006817730143666267},{"word":"and","start":3955.15,"end":3955.39,"confidence":0.9957902,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.008265465497970581},{"word":"send","start":3955.39,"end":3955.71,"confidence":0.9795701,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.012856615707278252},{"word":"so","start":3955.7898,"end":3956.0298,"confidence":0.6309915,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.01621527038514614},{"word":"i'll","start":3956.0298,"end":3956.19,"confidence":0.76062787,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.016830038279294968},{"word":"come","start":3956.19,"end":3956.43,"confidence":0.9791815,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.01863117143511772},{"word":"back","start":3956.43,"end":3956.5898,"confidence":0.81565815,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.017011811956763268},{"word":"at","start":3956.5898,"end":3956.75,"confidence":0.7867304,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0020217355340719223},{"word":"work","start":3956.75,"end":3956.99,"confidence":0.9996611,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.009841600432991982},{"word":"for","start":3956.99,"end":3957.15,"confidence":0.9993241,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.009611280634999275},{"word":"a","start":3957.15,"end":3957.23,"confidence":0.94197893,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01795477606356144},{"word":"fortnight","start":3957.23,"end":3957.73,"confidence":0.7542417,"punctuated_word":"fortnight,","sentiment":"neutral","sentiment_score":0.015589437447488308},{"word":"probably","start":3958.3499,"end":3958.8499,"confidence":0.8079685,"punctuated_word":"probably.","sentiment":"neutral","sentiment_score":0.01106125209480524},{"word":"so","start":3959.585,"end":3959.9048,"confidence":0.9774729,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.008471155539155006},{"word":"do","start":3959.9048,"end":3959.9448,"confidence":0.7769586,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0004186239093542099},{"word":"you","start":3959.9448,"end":3959.9849,"confidence":0.99969554,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0049869827926158905},{"word":"want","start":3959.9849,"end":3960.4849,"confidence":0.99984324,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.001963634043931961},{"word":"the","start":3960.545,"end":3960.665,"confidence":0.99947184,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007464087568223476},{"word":"the","start":3960.665,"end":3960.785,"confidence":0.77286553,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007700538262724876},{"word":"latest","start":3960.785,"end":3961.105,"confidence":0.99335915,"punctuated_word":"latest","sentiment":"neutral","sentiment_score":0.0010155700147151947},{"word":"latest","start":3961.105,"end":3961.4248,"confidence":0.8335778,"punctuated_word":"latest","sentiment":"neutral","sentiment_score":0.00386106688529253},{"word":"one","start":3961.4248,"end":3961.9248,"confidence":0.68843144,"punctuated_word":"one?","sentiment":"neutral","sentiment_score":0.0031811771914362907},{"word":"or","start":3962.4648,"end":3962.785,"confidence":0.9931306,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.0056616757065057755},{"word":"i've","start":3962.785,"end":3963.025,"confidence":0.6799265,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.012364406138658524},{"word":"got","start":3963.025,"end":3963.1848,"confidence":0.9977921,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.013737859204411508},{"word":"one","start":3963.1848,"end":3963.265,"confidence":0.999005,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.01706639677286148},{"word":"from","start":3963.265,"end":3963.505,"confidence":0.99724317,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.006040953099727631},{"word":"a","start":3963.505,"end":3963.545,"confidence":0.65155333,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009951002895832062},{"word":"i","start":3963.585,"end":3963.6648,"confidence":0.99905485,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02074754238128662},{"word":"think","start":3963.6648,"end":3963.7449,"confidence":0.9989366,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.012640159577131271},{"word":"it's","start":3963.7449,"end":3963.8516,"confidence":0.9890927,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.014330396428704262},{"word":"i","start":3963.9583,"end":3964.065,"confidence":0.5742116,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022728515788912773},{"word":"think","start":3964.065,"end":3964.105,"confidence":0.8794314,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.015615381300449371},{"word":"it's","start":3964.105,"end":3964.145,"confidence":0.806154,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0206008143723011},{"word":"the","start":3964.2249,"end":3964.3848,"confidence":0.28544506,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022614900022745132},{"word":"same","start":3964.3848,"end":3964.545,"confidence":0.61431074,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.024340681731700897},{"word":"i","start":3964.545,"end":3964.625,"confidence":0.45882773,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.036689393222332},{"word":"think","start":3964.625,"end":3964.785,"confidence":0.97023386,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04069747775793075},{"word":"it's","start":3964.785,"end":3964.9448,"confidence":0.8966369,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05242522805929184},{"word":"the","start":3965.105,"end":3965.265,"confidence":0.44078743,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058702047914266586},{"word":"same","start":3965.265,"end":3965.6648,"confidence":0.84901714,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.04983852803707123},{"word":"same","start":3965.6648,"end":3965.825,"confidence":0.9686603,"punctuated_word":"Same","sentiment":"neutral","sentiment_score":0.05544076859951019},{"word":"pay","start":3965.825,"end":3966.065,"confidence":0.7290931,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":0.04765228554606438},{"word":"same","start":3966.065,"end":3966.565,"confidence":0.99517787,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.05853396654129028},{"word":"you've","start":3969.825,"end":3970.065,"confidence":0.9715345,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.09998637437820436},{"word":"got","start":3970.065,"end":3970.2249,"confidence":0.9952113,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.13108283281326294},{"word":"yeah","start":3970.305,"end":3970.625,"confidence":0.9783242,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0850624144077301},{"word":"cool","start":3970.625,"end":3971.125,"confidence":0.9975204,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.10925473272800446},{"word":"yeah","start":3971.1848,"end":3971.4248,"confidence":0.94821227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03680552542209625},{"word":"because","start":3971.4248,"end":3971.61,"confidence":0.49716243,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.01615477167069912},{"word":"that","start":3971.6902,"end":3971.85,"confidence":0.69230723,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.007843231782317162},{"word":"shows","start":3971.85,"end":3972.09,"confidence":0.9069958,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":-0.01324109174311161},{"word":"it","start":3972.09,"end":3972.1702,"confidence":0.42148688,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0009782612323760986},{"word":"shows","start":3972.1702,"end":3972.57,"confidence":0.9958204,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":-0.01392644550651312},{"word":"my","start":3972.57,"end":3973.07,"confidence":0.95957726,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0019799470901489258},{"word":"yeah","start":3973.61,"end":3973.9302,"confidence":0.9917668,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0011994261294603348},{"word":"and","start":3973.9302,"end":3974.1702,"confidence":0.8486432,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.010604780167341232},{"word":"it","start":3974.1702,"end":3974.33,"confidence":0.969837,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01151791401207447},{"word":"shows","start":3974.33,"end":3974.57,"confidence":0.99499583,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.0024849604815244675},{"word":"manual","start":3974.57,"end":3974.8901,"confidence":0.97506535,"punctuated_word":"manual","sentiment":"neutral","sentiment_score":0.007464233785867691},{"word":"salary","start":3974.8901,"end":3975.29,"confidence":0.99823856,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.00909166969358921},{"word":"and","start":3975.29,"end":3975.79,"confidence":0.86145777,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.004841340705752373},{"word":"and","start":3976.17,"end":3976.67,"confidence":0.95559067,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009576755575835705},{"word":"yeah","start":3977.1301,"end":3977.6301,"confidence":0.9926701,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01095050387084484},{"word":"and","start":3977.6902,"end":3978.01,"confidence":0.9882401,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.010997707024216652},{"word":"and","start":3978.01,"end":3978.4102,"confidence":0.744242,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.010819617658853533},{"word":"yeah","start":3978.4102,"end":3978.57,"confidence":0.9686107,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.018783308565616608},{"word":"what","start":3978.57,"end":3978.8901,"confidence":0.9566341,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.008882364258170128},{"word":"what","start":3978.8901,"end":3979.1301,"confidence":0.72823787,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.010262630879878998},{"word":"my","start":3979.1301,"end":3979.29,"confidence":0.6222432,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.016036106273531914},{"word":"take","start":3979.29,"end":3979.4502,"confidence":0.9114316,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.016209768131375313},{"word":"home","start":3979.4502,"end":3979.61,"confidence":0.97191805,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.019353140145540237},{"word":"is","start":3979.61,"end":3979.85,"confidence":0.9879596,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.008944205939769745},{"word":"each","start":3979.85,"end":3980.01,"confidence":0.99058175,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.013149142265319824},{"word":"week","start":3980.01,"end":3980.4102,"confidence":0.99827504,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.01159990020096302},{"word":"and","start":3980.4102,"end":3980.49,"confidence":0.386721,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017521925270557404},{"word":"all","start":3980.49,"end":3980.6501,"confidence":0.9935574,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.020142188295722008},{"word":"that","start":3980.6501,"end":3980.81,"confidence":0.8575852,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.0242820605635643},{"word":"yeah","start":3980.81,"end":3981.31,"confidence":0.89308083,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1514051854610443},{"word":"that's","start":3993.115,"end":3993.515,"confidence":0.97889066,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07559716701507568},{"word":"fine","start":3993.515,"end":3994.015,"confidence":0.9530268,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.04639842361211777},{"word":"alright","start":4002.85,"end":4003.35,"confidence":0.76383257,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.19693946838378903},{"word":"any","start":4021.9348,"end":4022.335,"confidence":0.60277337,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.14526233077049255},{"word":"day","start":4022.335,"end":4022.575,"confidence":0.6362304,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.1415279656648636},{"word":"yeah","start":4022.575,"end":4022.815,"confidence":0.90723455,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.21757161617279053},{"word":"i'm","start":4022.815,"end":4022.8948,"confidence":0.8165321,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.25720471143722534},{"word":"fine","start":4022.8948,"end":4023.2148,"confidence":0.37413296,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2829289436340332},{"word":"free","start":4023.2148,"end":4023.535,"confidence":0.34231603,"punctuated_word":"Free","sentiment":"neutral","sentiment_score":0.2249697744846344},{"word":"too","start":4023.535,"end":4023.775,"confidence":0.6280873,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.2064633667469025},{"word":"so","start":4023.775,"end":4023.9348,"confidence":0.9249711,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06836483627557755},{"word":"in","start":4024.1748,"end":4024.335,"confidence":0.8193992,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.05688115209341049},{"word":"the","start":4024.335,"end":4024.4148,"confidence":0.9967033,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.062330182641744614},{"word":"afternoons","start":4024.4148,"end":4024.9148,"confidence":0.8325914,"punctuated_word":"afternoons.","sentiment":"neutral","sentiment_score":0.06002890318632126},{"word":"any","start":4024.9749,"end":4025.295,"confidence":0.9832597,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.04021208733320236},{"word":"any","start":4025.295,"end":4025.615,"confidence":0.95335436,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.035972654819488525},{"word":"afternoon","start":4025.615,"end":4026.115,"confidence":0.85823333,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.05126885697245598},{"word":"yep","start":4032.4402,"end":4032.84,"confidence":0.9965645,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15833961963653564},{"word":"sounds","start":4032.84,"end":4033.0,"confidence":0.99911493,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.3971500694751739},{"word":"good","start":4033.0,"end":4033.4001,"confidence":0.99363613,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.3081926107406616},{"word":"yep","start":4033.4001,"end":4033.8,"confidence":0.9522115,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15863822400569916},{"word":"sounds","start":4033.8,"end":4034.04,"confidence":0.99851865,"punctuated_word":"Sounds","sentiment":"neutral","sentiment_score":0.1953286975622177},{"word":"good","start":4034.04,"end":4034.54,"confidence":0.99678886,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4131156802177429},{"word":"maybe","start":4042.04,"end":4042.36,"confidence":0.4175922,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.05222785100340843},{"word":"five","start":4042.36,"end":4042.785,"confidence":0.69619393,"punctuated_word":"five.","sentiment":"neutral","sentiment_score":0.07089495658874512},{"word":"yeah","start":4043.4248,"end":4043.905,"confidence":0.89269996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2150350958108902},{"word":"good","start":4043.905,"end":4044.2249,"confidence":0.68432534,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.3783387541770935},{"word":"five","start":4044.2249,"end":4044.385,"confidence":0.9504512,"punctuated_word":"Five","sentiment":"positive","sentiment_score":0.3821464478969574},{"word":"05:00","start":4044.385,"end":4045.025,"confidence":0.9238058,"punctuated_word":"05:00","sentiment":"positive","sentiment_score":0.41351768374443054},{"word":"would","start":4045.025,"end":4045.1848,"confidence":0.9560908,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.49570566415786743},{"word":"be","start":4045.1848,"end":4045.345,"confidence":0.9992506,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5111309289932251},{"word":"great","start":4045.345,"end":4045.845,"confidence":0.99915254,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.4994708299636841},{"word":"it's","start":4089.04,"end":4089.1199,"confidence":0.70284915,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.009894974529743196},{"word":"gonna","start":4089.1199,"end":4089.44,"confidence":0.89196014,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.02276885136961937},{"word":"get","start":4089.44,"end":4089.52,"confidence":0.9481947,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03505633771419525},{"word":"turned","start":4089.52,"end":4089.68,"confidence":0.60840493,"punctuated_word":"turned","sentiment":"neutral","sentiment_score":0.009378403425216677},{"word":"out","start":4089.68,"end":4090.0,"confidence":0.29049903,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.03169509768486023},{"word":"quickly","start":4090.0,"end":4090.5,"confidence":0.7382662,"punctuated_word":"quickly.","sentiment":"neutral","sentiment_score":0.0002354271709918976},{"word":"yep","start":4116.52,"end":4117.02,"confidence":0.9848639,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.036208949983119965},{"word":"yes","start":4161.075,"end":4161.575,"confidence":0.99720144,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03882957249879837},{"word":"yep","start":4177.31,"end":4177.81,"confidence":0.83533233,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.018793068826198574},{"word":"no","start":4191.115,"end":4191.615,"confidence":0.96815693,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10324268043041228},{"word":"no","start":4210.985,"end":4211.485,"confidence":0.8725966,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10314719378948212},{"word":"no","start":4224.06,"end":4224.56,"confidence":0.8717517,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.103079155087471},{"word":"nope","start":4235.34,"end":4235.84,"confidence":0.9387493,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.12669092416763306},{"word":"no","start":4255.9897,"end":4256.4897,"confidence":0.9903183,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11322787404060364},{"word":"no","start":4271.0146,"end":4271.5146,"confidence":0.80883825,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09801878035068512},{"word":"that's","start":4276.0547,"end":4276.5347,"confidence":0.9716686,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.09170795977115632},{"word":"okay","start":4276.5347,"end":4277.0347,"confidence":0.9994776,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.043720223009586334},{"word":"my","start":4277.815,"end":4278.0547,"confidence":0.9974733,"punctuated_word":"My","sentiment":"positive","sentiment_score":0.514939546585083},{"word":"answers","start":4278.0547,"end":4278.375,"confidence":0.97965324,"punctuated_word":"answers","sentiment":"positive","sentiment_score":0.5855600237846375},{"word":"are","start":4278.375,"end":4278.5347,"confidence":0.99802834,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5355734825134277},{"word":"the","start":4278.5347,"end":4278.6147,"confidence":0.9980153,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6266921162605286},{"word":"same","start":4278.6147,"end":4278.775,"confidence":0.99982953,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.6531345844268799},{"word":"as","start":4278.775,"end":4278.9346,"confidence":0.99900335,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6040888428688049},{"word":"when","start":4278.9346,"end":4279.0947,"confidence":0.99735045,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.49233943223953247},{"word":"i","start":4279.0947,"end":4279.175,"confidence":0.99948955,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6069865226745605},{"word":"did","start":4279.175,"end":4279.335,"confidence":0.9992099,"punctuated_word":"did","sentiment":"positive","sentiment_score":0.47156068682670593},{"word":"the","start":4279.335,"end":4279.4946,"confidence":0.99875665,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5513556003570557},{"word":"pre","start":4279.4946,"end":4279.655,"confidence":0.98096424,"punctuated_word":"pre","sentiment":"positive","sentiment_score":0.46109429001808167},{"word":"assessment","start":4279.655,"end":4280.135,"confidence":0.66007537,"punctuated_word":"assessment,","sentiment":"positive","sentiment_score":0.4743621051311493},{"word":"so","start":4280.135,"end":4280.635,"confidence":0.8854479,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5651068091392517},{"word":"nothing","start":4282.8,"end":4283.3,"confidence":0.99366564,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":0.2772606909275055},{"word":"changed","start":4283.44,"end":4283.94,"confidence":0.9652654,"punctuated_word":"changed.","sentiment":"positive","sentiment_score":0.34864431619644165},{"word":"cool","start":4289.92,"end":4290.42,"confidence":0.9739684,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4256572127342224},{"word":"awesome","start":4334.165,"end":4334.665,"confidence":0.98318803,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.7101987600326538},{"word":"cool","start":4334.8047,"end":4335.3047,"confidence":0.915936,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.6917679905891418},{"word":"alright","start":4339.44,"end":4339.84,"confidence":0.7503462,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.07725834101438522},{"word":"i","start":4339.84,"end":4339.92,"confidence":0.3495182,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005895338952541351},{"word":"yeah","start":4346.64,"end":4347.12,"confidence":0.5676442,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.24089151620864868},{"word":"yeah","start":4347.12,"end":4347.6,"confidence":0.8081551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21970203518867493},{"word":"bye","start":4347.6,"end":4348.1,"confidence":0.9879215,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.20640528202056885}],"paragraphs":{"transcript":"\nFrancisco speaking. Yeah. I can hear you. I don't know. You you got me?\n\nI can. Yep. Yeah. Lisa's phone just showed up and missed call, and it didn't even ring. We're all sitting here looking at the phone.\n\nSo ring up. Yep. Yeah. We are. Hi, Dana.\n\nLisa in the background. That's okay. How's your daughter? Yeah. Yeah.\n\nYeah. Yeah. You are. No worries. No need to apologize.\n\nI'd be doing the same. Yeah. Yep. That's fine. Yep.\n\nGood. Yes. Much better not working. Yeah. Yes.\n\nThe only thing that's changed there is that I want to consider 50% work as well. So and whether we can achieve that or whether I'm better off holding off. So yeah. Mhmm. If we can access it earlier no.\n\nNo. We wanna see. We wanna access the Super at 60. Yeah. Yeah.\n\nWe'll still still keep working till then. Yeah. Yep. Yeah. Is that, like, high, or is that No.\n\nThat's that's that's why. Well, at the moment, we have a we have a general expenditure at the moment of around about what is it? Hang on a minute. General 4.5 $4,700 a month. K.\n\nYeah. Everything's going up. Okay. I think it was supposed to be $66,000 each, maybe. That would be too hard.\n\nYeah. Well well, maybe maybe we'll bump up. Maybe we'll meet halfway and do 4,000 each. Does that sound reasonable then? That's that's yep.\n\n8,000 a month? That's 90 that's 96,000 a year. That's not too bad. Because none of that will be taxed, will it? That's just straight.\n\nYeah. Yep. Yep. K. So it's just figuring out if we can achieve that and still have that if I drop back hours as well.\n\nYeah. Both of us joined? At the moment, our general expenditure, but that includes, like, food, private health, unions, services, rates, water, insurances, and all our vehicle transports and stuff, is around about 4,700 a month. But keeping in mind, a lot of those will be gone because we won't have motorbikes. Two unions.\n\nAnd and all of those things, like, then when we retire. Yeah. Yeah. Yeah. Probably fine.\n\nYeah. Yep. So you want annual gross, or do you want take home? So my annual gross my annual gross is a $195.07 6 a year, and my take home, which I only have in monthly, is $5.01 $4.08 and 60¢ a month. And that's working, you know, full time well, four days of four days of well, full full time.\n\nYeah. Full time out. I assume so anyway. A bit of a tech. Probably be a little bit that's a bit more.\n\nYeah. Okay. Hang on one sec. It's on oh, wrong phone. I think I've got space, and that was mine.\n\nJust get my payslip. That'll be easier to look at. Because I think I've I've with me dropping wages, I've gone to just shy of 1,500 a week instead of two instead of $2.04. So it was only a $900 drop. So I my alley, right, is that oh, sorry.\n\nYeah. It's 14 1,400 and change, I think I am. Let me get you down. You are now I don't have your weekly. I've just got 517104 a month.\n\n$5.01 $7.01. Yeah. Hang on. Aren't you 5,000 a month? I'm the same I'm the same if I drop down.\n\nOh, okay. Yep. Oh, so that's not what my job is. No. Yours is wrong.\n\nSorry. I'm giving you my wrong pay. That's that's a fortnight you've given up. Yeah. I have.\n\nWill be double that figure that she gave you, so it'll be 10,000 and something. It'll be 10,000 6 101. Yeah. Double one. Yeah.\n\nYou were thinking that was very small if I'm gonna have that. Sorry. Do you want my hourly rate? My my hourly rate is $100 and 3611, so 03611. It's thirty yeah.\n\nI think it's thirty eight. So it'll be half of that. That's just yeah. Approximately that we'll be working on because I'd have to find someone to job share. Yeah.\n\nMhmm. Yes. Yeah. So tell you the exact I'll I'll go into the Commonwealth Bank and tell you the exact amount that's coming in. Wrong.\n\nIt's not. Oh, ignore that. Yeah. I haven't changed that yet. And that's that's it's got expenses in it.\n\nDon't forget. It's got expenses taken out of it. Yeah. So you can't look at my bank. Oh, then I don't have your pay stub.\n\nNo. I sent some home, didn't I? You did. Yeah. Because there's there's I pay into shares out of my pay, and I pay accommodation out of my pay, which is all So you pay Yeah.\n\nYeah. She's got one coming now. Just taking sweet time to download. Can you access that, Scott? So mine doesn't seem to work anymore for me.\n\nWell, that's in the mail. No. But you carry on, and I'll I'll come back to you with Yep. That's okay. Easy.\n\nWhat Yep. Yeah. Yeah. So I think that's the question we wanna ask. We've got at the moment, we've we've paid it all off.\n\nWe've got we've left our home loan open for the moment. It's got about how much is in in it? Let me just look. 193,600 owing on it, but we're not paying any interest because we've got about $387,000 sitting in the offsetting. Account.\n\nSo but we'll have to take a $100,100,000 out of that for capital gains. So after we like, if we were to pay off the loan fully and pay off the capital gains, we'd be like we'd have about a $100,000 in Equity. Equity, like, and just sitting there as cash. So we're sort of like, do we pay the home loan after we leave the home loan there? And the main reasons we're we're thinking about that is because we're looking at buying a motor home and traveling.\n\nDoing a lot of Australia. So which helps us if we're working 50%. So I was sort of trying to decide what the better approach is there. Yeah. Well, that's the thing with We'll have a 100,000 left over.\n\nWe've probably got a $100,000 of assets we're gonna sell. And then just a bit of maybe a bit of change, we'll pull back out of the home loan and only have 50,000 to pay off the home loan or something, which is why we haven't closed it down yet because home loan rate's better than car loan rates. So what we were thinking is that that what we should with a better idea then? Yes. Yeah.\n\nYeah. Okay. Yep. Okay. Yes.\n\nYeah. Yeah. So we still have the home loan. At the at the moment, we've got a 193,000. We only pay 320 a month, which is Which is because there's no no interest.\n\nWe still pay a a monthly payment because they make you pay a payment. But yeah. So that'd be sort of similar, but we'd have that little bit of interest for Yes. $50 or something that we pull out for the the home loan. The Motorhome.\n\nMotorhome. Yeah. Well, I think the because we're looking at a brand new one. Well well, we're looking at a very close to new one. So it's probably around about $250, which means we'll we'll use a 100 of the offset money that was got left over.\n\nWe use a 100 of our assets that we gotta sell, and we'll use 50 of the home loan. And then we still got a $250,000 asset as well in the motor home. Yep. The the sorry. The the Assets out.\n\nNo. That's actually I've got a new car, but I haven't sold the Tesla. And and an agreement when we get the motor home is that they're selling the jet skis. So the two jet skis and the trailer. So Jet skis.\n\nWe estimate them all joined together being $100. At least. Yep. Yep. Yes.\n\nYes. A full motor home you drive around. Yeah. No. No.\n\nProbably just one of one of my little motorbikes I'll stick on the back of it. Yeah. Yeah. But you said 1.9, didn't you? I thought it would be about 1.92 mil.\n\nYeah. Yep. Two is fine. Two is fine, I think. Yeah.\n\nYes. And that's the one we're going to sell or set trying to sell. I've got it actually at 55,000 at the moment. Outright. No loans.\n\nYep. Yes. We do. That's 85? What have we got on that?\n\nWhat have we got on that for a value? Yeah. No. There's debt on that one. We owed currently I'm on the wrong phone again.\n\nGot my phone. Gotta keep sorry. Got different 45. It's a third of it. So I $50.50.\n\nI think it's 43,000. Yeah. 43 is quite a lot. Yeah. Yep.\n\nYep. Yeah. We've kinda put for the jet skis and its trailer. We're thinking we'll sell it for around between 50 to 60, so probably 55. No loans.\n\nYeah. Yep. Probably just sell them as a package. I think I'll just leave it as that, but I do have another vehicle that you've gotta add. It's a BYDC line eight.\n\nWhat what was your name? 70000. 70000? And I do have a loan on that. I think I owe around about what do I can I have The same thing?\n\nAround about the same because it's only recent. It's only, like, four months old or a couple of months old. And it like, both of our vehicle loans, just so you know, they're both at, like, what his is 1.99%, and one's mine's 1.89%. So they're very low interest rates. Yeah.\n\nYep. Yeah. That's why we didn't bother paying them out with the money we had in the offset. We're like, that's too low. It just Yeah.\n\nWith BYD. BYD. Yeah. That's what I do to shift shift units. Yeah.\n\nUp to date by the Chinese government, I'm guessing. No. No. No. They have nothing in three years.\n\nYep. Yep. Well, mine in two. Two, mine in three. So the shark in shark in two.\n\nYeah. Yeah? Yep. Yeah. Yeah.\n\nHi. Both both hybrids. But mainly, they drive lock and electric. Yeah. They've just got a generator here to get you going multiple.\n\nYep. Yeah. Well, your card goes pages on the line trip. Yeah. We can do it.\n\nOh, yeah. Yeah. So good. Do you mention the other you've got the other house there, haven't you? The other unit in Melumbin that we own?\n\nOkay. Yeah. 287,000. What we bought. That's what we bought it for.\n\nSo 300 now because it's Probably 300. Cost the road trying to sell the one for For 400. For 400. 3 100. That's owned out?\n\nNo. No. Not. Yeah. But it's owned with my parents.\n\nSo all four of us don't own it, and they it's not. But I own it. Yeah. We just had to put their name on the lease to Allow them to live in it. Yeah.\n\nAgree. So we own it. When it says ours, it's in the will that it's ours. It's it's yeah. No.\n\nRent free. Rent free to us. Yeah. Yes. Just just just an asset appreciating slowly.\n\nYeah. Yes. Yep. Yep. Yep.\n\nThat's still happening. I think it's up to 80,000 there. 83 eighty 3, was it? Let's see. I was looking at the spreadsheet.\n\nIt should be in here somewhere. Why is it not in there? It's asking the person that created the spreadsheet. That's the other spreadsheet, though. Yeah.\n\nThat's the one where I said I'm working 50%. Yeah. That's a good one. That's a good one. So what have we got there?\n\nThere it is. But you can't No. You can't see it from an email. You gotta log in. Oh.\n\nSo if you haven't got it written in a spreadsheet, you can't see it. And I'll put in the spreadsheet. It goes up a great rate or not. So it's insane. Because they match whatever I buy.\n\nThey match every three like, in the rolling three year period. So so pretty pretty much 50% shares because yeah. 88,000. Oh, you found it? Eight eight no.\n\nYep. Yeah. That's where it's 80 thousand 703. So 80,000, not 88. Okay.\n\nYeah. Can't read the numbers where they aren't. 80,000. 80,000. Well, let me look.\n\nYep. Yep. It'll definitely go up. But, yeah, it's it's going. I can yeah.\n\nYep. Just keep. Yep. Retirement. Yep.\n\nBecause I'll keep growing and getting matched as long as I you know, if I work to 60, they'll keep matching them till I'm 60. So Yep. Yep. Yep. Yeah.\n\nWe'd probably sell it. I think we'd sell it depending on, you know, what was going on with us. If we were not well and had to downgrade at home, we'd just probably leave leave it and sell this one. But I the intention at at this stage, if all is going good, we'll just sell it. Yeah.\n\nYeah. Most likely. Exactly. So to speak. But they are 70 my dad's 78, and my mom's 77.\n\nSo, you know yeah. No. That they won't change ever. It's everything goes to our daughter and me. So me.\n\nSo that will never change. We only have one child. It's easy. We made it so it was just, like, no matter what, it was just either me or Katie. So that was just yeah.\n\nDidn't have to change it later, and she could look after any distribution. She's 28. No. She's she's fully depend yeah. Independent herself.\n\nShe's got a husband and and a grand and given us a grandchild and yeah. We're afraid. Oh, boy. Oh. Yeah.\n\nVery, very different vibe. It's way more fun than being a parent. Way more fun. It's way better. Yeah.\n\nIt's it's way better. Yes. You get to just you don't have to be the the rule enforcer or any of that. You get to give them back, and you get all the love. Yep.\n\nExactly. Yes. Yeah. Yeah. Yep.\n\nYep. And looking at least at super two to see if it's worth air moving to HubBook 24 or leaving where it is or all of that. Yeah. Yep. Yes.\n\nVice versa. Yep. No. That's that's good. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYep. Yes. Yep. Definitely. Yes.\n\nFine. Yeah. Yep. That'd be good. Yes, please.\n\nCool. Yeah. Yes. Yes. No worries.\n\nYep. Yep. Yep. Yeah. Not at all.\n\nThat's okay. Yeah. I'm I'm still happy to keep it. Yes. Yeah.\n\nYep. No. There shouldn't be. Yep. Do I have trauma in mind?\n\nOr Oh, no. Yeah. Yep. Yeah. Yeah.\n\nYeah. Need compensation. That's the one I got. Yeah. Yeah.\n\nYep. Yeah. No. That's good. Yeah.\n\nNo. I don't think we either of us what do you reckon you don't need? No. No. We don't need trauma.\n\nYep. Oh, yeah. Yes. Yep. That'll save us some money.\n\nSo Yeah. Yep. Yep. Well, overpaying. Well, even needs 525 in cover.\n\nOkay. Yeah. Like, that's yeah. Because that's that was when we had a pretty big home loan. I just wanted to make sure Lisa was right.\n\nBut We may not even know by the time. So we could probably drop that into a just so she gets something. But Yep. Yeah. Possibly about 50 to 100.\n\nYes. So it's just gonna be out of that pretty much. Yeah. So, yeah, it could probably be a lot more. Yes.\n\nIt might that might pay to drop that once we know what we're we're in for. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yep. That's for that insurance. Yeah.\n\nNo. We could probably suck your cake. What do you want? K. Not for you because this is if I'm gone, is that enough for you to live off?\n\nI feel gone. I don't need as much to live off. Can you leave more extravagant than me? Sorry. We can probably because because that'll make the Some are basics.\n\nSo if we drop that, that means that the soup is gonna grow quicker, isn't it? Yeah. Yep. Yeah. Yep.\n\nYep. That sounds good. Yep. Yep. Yep.\n\nYep. I think we look at either halving it or getting rid of it altogether, like, maybe do the two scenarios because, you know, we're sitting pretty pretty well. So even Like, if it Like, if it makes a big impact on the If one of it passes, you know, everything the second car goes, the second bike goes, you know, everything can go because so I think yeah. Look. It's yeah.\n\nI'm not sure you need it. Yeah. Yeah. Maybe definitely definitely have it, but maybe and we'll see what it's worth. But, you know, that's the way I look at it is all that money going into my super is only gonna help it grow quicker than Especially now you're going half.\n\nYeah. But I'm still paying I'm still paying extra. I'm still paying the full amount of super that I can every year. Yeah. I'll just pull that out of my wage.\n\nYep. Yep. Yeah. Right. Yeah.\n\nYep. Yep. That sounds good. Yep. Yep.\n\nYep. That sounds great. Yep. Cool. That sounds great.\n\nYeah. Yeah. Yep. I've got I've got $5.17 $7.09 6 and 96¢ at the moment in my Brighter Super. Yep.\n\nI'm just going in there now. These are the wonderful apps that are a little bit slow. So so one forty eight one one two and forty one cents. So that's on top of my $5.17, isn't it? Yeah.\n\nI keep thinking I have a small amount, and then I remember I've got two. Yeah. Yep. I pretty much have to keep that one there until I'm at least 55, it says. Otherwise, I lose, like, $20 out of that, which is not worth it.\n\nYep. Yeah. Euros. Yep. Yep.\n\nYep. We're just laughing at the young fella at the door trying to make his way in. We've got the door closed? Yeah. Yep.\n\nYep. At link dot Same. Yeah. Yep. Yep.\n\nMaybe maybe down the track as we get on, we might drop to a from a three to a two sort of thing, like, a slightly safer, but, yeah, we'd like to get the balance up too. Like, we'd like to get our balance up higher. So Yep. Yep. No.\n\nLike, now we're happy for it to to grow and grow it as much as we can. Yeah. Yep. Yep. That's cool.\n\nYep. Off expenses. Yep. Yep. Yes.\n\nCool. Imagine what I'll do for you. Yeah. Yeah. Yep.\n\nYep. Cool. It's just looking like it is. Yes. Yep.\n\nI'll I'll yeah. I'll make whatever the maximum you can use, I think, every year. So that way, it doesn't my that way cutting back half time doesn't really affect the super Awesome. Is what I Hasn't it? Yeah.\n\nWhat's the what what's what's easier? What's better? In more often. Yep. That's true.\n\nYep. That's yep. Yep. Yep. Because that way, then when I get on my bench, when I get on my bank, that's sort of good.\n\nYep. So you don't go over? Yep. Yep. Yep.\n\nYeah. Yeah. That's fine. Yeah. Yep.\n\nYes. Yes. Yep. So pretty much to be in the same position as Scott. So yeah.\n\nYes. Salary sacrificing as well and making sure we can still live. It's not all whip her and make her work till she's 50. Yep. Yep.\n\nNo. That's good. Yep. Yes. Yep.\n\nYep. The only other thing is the super for me, brighter super is still under Lisa Bergen. Yep. Yep. Cool.\n\nSounds good. And and, yeah, with with signing up, obviously, I'm I'm happy to go ahead with signing up. So whatever I need to do to do that, just just let me know and I'll sign whatever needs to be signed. Yep. Yep.\n\nNope. It's good. All good. Yeah. What do you slip?\n\nYep. No worries. Yep. All good. No.\n\nNo. That works good. Pretty good. Keeping up. Okay.\n\nOkay. So my payslip, do you want the latest one I've currently got, or I gotta go to work and send so I'll come back at work for a fortnight, probably. So do you want the the latest latest one? Or I've got one from a I think it's I think it's the same. I think it's the same.\n\nSame pay, same you've got yeah. Cool. Yeah. Because That shows it shows my yeah. And it shows manual salary and and yeah.\n\nAnd and, yeah, what what my take home is each week and all that. Yeah. That's fine. Alright. Any day, yeah, I'm fine.\n\nFree too. So In the afternoons. Any any afternoon? Yep. Sounds good.\n\nYep. Sounds good. Maybe five. Yeah. Good.\n\nFive 05:00 would be great. It's gonna get turned out quickly. Yep. Yes. Yep.\n\nNo. No. No. Nope. No.\n\nNo. That's okay. My answers are the same as when I did the pre assessment, so nothing changed. Cool. Awesome.\n\nCool. Alright. I Yeah. Yeah. Bye.","paragraphs":[{"sentences":[{"text":"Francisco speaking.","start":0.32,"end":1.22,"sentiment":"neutral","sentiment_score":0.00940638966858387},{"text":"Yeah.","start":18.055,"end":18.375,"sentiment":"neutral","sentiment_score":0.03753865510225296},{"text":"I can hear you.","start":18.375,"end":19.175,"sentiment":"neutral","sentiment_score":0.028766455128788948},{"text":"I don't know.","start":19.175,"end":20.075,"sentiment":"neutral","sentiment_score":-0.025336780895789463},{"text":"You you got me?","start":21.735,"end":22.715,"sentiment":"neutral","sentiment_score":-0.02516604447737336}],"sentiment":"neutral","sentiment_score":-0.0003755189744489531,"num_words":14,"start":0.32,"end":22.715},{"sentences":[{"text":"I can.","start":23.494999,"end":24.235,"sentiment":"neutral","sentiment_score":0.02975125703960657},{"text":"Yep.","start":26.855,"end":27.355,"sentiment":"neutral","sentiment_score":-0.07095467299222946},{"text":"Yeah.","start":27.415,"end":27.915,"sentiment":"neutral","sentiment_score":-0.036656320095062256},{"text":"Lisa's phone just showed up and missed call, and it didn't even ring.","start":28.3,"end":31.099998,"sentiment":"neutral","sentiment_score":-0.1534591345832898},{"text":"We're all sitting here looking at the phone.","start":31.099998,"end":33.42,"sentiment":"neutral","sentiment_score":-0.10851076245307922}],"sentiment":"neutral","sentiment_score":-0.11644653312861919,"num_words":25,"start":23.494999,"end":33.42},{"sentences":[{"text":"So ring up.","start":33.42,"end":40.0,"sentiment":"neutral","sentiment_score":-0.11066235353549321},{"text":"Yep.","start":44.335003,"end":44.835003,"sentiment":"neutral","sentiment_score":0.00555028161033988},{"text":"Yeah.","start":46.415,"end":46.915,"sentiment":"neutral","sentiment_score":-0.010507994331419468},{"text":"We are.","start":47.855,"end":48.595,"sentiment":"neutral","sentiment_score":-0.021891376934945583},{"text":"Hi, Dana.","start":48.895,"end":49.695,"sentiment":"neutral","sentiment_score":0.0687100999057293}],"sentiment":"neutral","sentiment_score":-0.027034147487332422,"num_words":9,"start":33.42,"end":49.695},{"sentences":[{"text":"Lisa in the background.","start":49.695,"end":50.755,"sentiment":"neutral","sentiment_score":0.04327845945954323},{"text":"That's okay.","start":58.97,"end":59.53,"sentiment":"neutral","sentiment_score":0.06431033089756966},{"text":"How's your daughter?","start":59.53,"end":60.51,"sentiment":"neutral","sentiment_score":0.015771764020125072},{"text":"Yeah.","start":68.17,"end":68.67,"sentiment":"neutral","sentiment_score":-0.28580349683761597},{"text":"Yeah.","start":70.095,"end":70.595,"sentiment":"neutral","sentiment_score":-0.11900155246257782}],"sentiment":"neutral","sentiment_score":-0.005068659782409668,"num_words":11,"start":49.695,"end":70.595},{"sentences":[{"text":"Yeah.","start":85.08,"end":85.58,"sentiment":"neutral","sentiment_score":-0.05891092121601105},{"text":"Yeah.","start":98.12,"end":98.62,"sentiment":"neutral","sentiment_score":-0.014377649873495102},{"text":"You are.","start":117.590004,"end":118.33,"sentiment":"neutral","sentiment_score":-0.025014625396579504},{"text":"No worries.","start":128.785,"end":129.345,"sentiment":"neutral","sentiment_score":0.03907995671033859},{"text":"No need to apologize.","start":129.345,"end":130.405,"sentiment":"neutral","sentiment_score":0.013382493518292904}],"sentiment":"neutral","sentiment_score":0.0008372065611183643,"num_words":10,"start":85.08,"end":130.405},{"sentences":[{"text":"I'd be doing the same.","start":131.345,"end":132.645,"sentiment":"neutral","sentiment_score":0.21153366044163704},{"text":"Yeah.","start":139.12001,"end":139.62001,"sentiment":"neutral","sentiment_score":0.052381567656993866},{"text":"Yep.","start":147.04001,"end":147.44,"sentiment":"neutral","sentiment_score":0.0818524956703186},{"text":"That's fine.","start":147.44,"end":148.26001,"sentiment":"neutral","sentiment_score":0.16029031574726105},{"text":"Yep.","start":163.155,"end":163.475,"sentiment":"neutral","sentiment_score":0.07751454412937164}],"sentiment":"neutral","sentiment_score":0.15899975411593914,"num_words":10,"start":131.345,"end":163.475},{"sentences":[{"text":"Good.","start":163.475,"end":163.875,"sentiment":"neutral","sentiment_score":0.1522737443447113},{"text":"Yes.","start":163.875,"end":164.375,"sentiment":"neutral","sentiment_score":0.08446542918682098},{"text":"Much better not working.","start":164.435,"end":165.635,"sentiment":"neutral","sentiment_score":0.00008897483348846436},{"text":"Yeah.","start":165.635,"end":166.135,"sentiment":"neutral","sentiment_score":0.10035375505685806},{"text":"Yes.","start":185.485,"end":185.80501,"sentiment":"neutral","sentiment_score":0.06944540143013}],"sentiment":"neutral","sentiment_score":0.05086177866905928,"num_words":8,"start":163.475,"end":185.80501},{"sentences":[{"text":"The only thing that's changed there is that I want to consider 50% work as well.","start":185.80501,"end":190.46501,"sentiment":"neutral","sentiment_score":0.019696829956956208},{"text":"So and whether we can achieve that or whether I'm better off holding off.","start":192.365,"end":196.365,"sentiment":"neutral","sentiment_score":0.030559056155782725},{"text":"So yeah.","start":196.365,"end":198.78,"sentiment":"neutral","sentiment_score":0.03300944343209267},{"text":"Mhmm.","start":204.52,"end":205.02,"sentiment":"neutral","sentiment_score":0.03622903302311897},{"text":"If we can access it earlier no.","start":219.815,"end":221.655,"sentiment":"neutral","sentiment_score":-0.026172565828476633}],"sentiment":"neutral","sentiment_score":0.016550400614505634,"num_words":40,"start":185.80501,"end":221.655},{"sentences":[{"text":"No.","start":221.655,"end":221.895,"sentiment":"neutral","sentiment_score":-0.030147096142172813},{"text":"We wanna see.","start":221.895,"end":222.61499,"sentiment":"neutral","sentiment_score":0.062092993408441544},{"text":"We wanna access the Super at 60.","start":222.61499,"end":224.395,"sentiment":"neutral","sentiment_score":0.09676026020731245},{"text":"Yeah.","start":224.455,"end":224.88,"sentiment":"neutral","sentiment_score":0.07451928406953812},{"text":"Yeah.","start":225.44,"end":225.76001,"sentiment":"neutral","sentiment_score":0.08039148151874542}],"sentiment":"neutral","sentiment_score":0.07602803624020173,"num_words":13,"start":221.655,"end":225.76001},{"sentences":[{"text":"We'll still still keep working till then.","start":225.76001,"end":227.28,"sentiment":"neutral","sentiment_score":0.20051646019731248},{"text":"Yeah.","start":227.28,"end":227.76001,"sentiment":"neutral","sentiment_score":0.1438596546649933},{"text":"Yep.","start":227.76001,"end":228.26001,"sentiment":"neutral","sentiment_score":0.11992724984884262},{"text":"Yeah.","start":250.7,"end":250.94,"sentiment":"neutral","sentiment_score":-0.00018017645925283432},{"text":"Is that, like, high, or is that No.","start":250.94,"end":252.62001,"sentiment":"neutral","sentiment_score":-0.09444374195300043}],"sentiment":"neutral","sentiment_score":0.05064844521176484,"num_words":18,"start":225.76001,"end":252.62001},{"sentences":[{"text":"That's that's that's why.","start":252.62001,"end":254.08,"sentiment":"neutral","sentiment_score":-0.2598787769675255},{"text":"Well, at the moment, we have a we have a general expenditure at the moment of around about what is it?","start":254.22,"end":260.38,"sentiment":"neutral","sentiment_score":-0.0019672143583496413},{"text":"Hang on a minute.","start":260.38,"end":261.36002,"sentiment":"neutral","sentiment_score":-0.015346372500061989},{"text":"General 4.5 $4,700 a month.","start":262.46,"end":265.635,"sentiment":"neutral","sentiment_score":-0.013514474593102932},{"text":"K.","start":294.805,"end":295.305,"sentiment":"neutral","sentiment_score":-0.06780143082141876}],"sentiment":"neutral","sentiment_score":-0.036502454376646454,"num_words":35,"start":252.62001,"end":295.305},{"sentences":[{"text":"Yeah.","start":315.12,"end":315.44,"sentiment":"neutral","sentiment_score":-0.03045494109392166},{"text":"Everything's going up.","start":315.44,"end":316.48,"sentiment":"neutral","sentiment_score":-0.022976071884234745},{"text":"Okay.","start":316.48,"end":316.98,"sentiment":"neutral","sentiment_score":-0.02026139572262764},{"text":"I think it was supposed to be $66,000 each, maybe.","start":317.04,"end":320.02002,"sentiment":"neutral","sentiment_score":-0.03151232581585646},{"text":"That would be too hard.","start":321.52002,"end":322.82,"sentiment":"neutral","sentiment_score":-0.15838249921798705}],"sentiment":"neutral","sentiment_score":-0.06133401533588767,"num_words":20,"start":315.12,"end":322.82},{"sentences":[{"text":"Yeah.","start":332.255,"end":332.755,"sentiment":"neutral","sentiment_score":0.026990920305252075},{"text":"Well well, maybe maybe we'll bump up.","start":339.61,"end":342.88998,"sentiment":"neutral","sentiment_score":0.10012559592723846},{"text":"Maybe we'll meet halfway and do 4,000 each.","start":342.88998,"end":346.16998,"sentiment":"neutral","sentiment_score":0.14892370626330376},{"text":"Does that sound reasonable then?","start":346.16998,"end":347.37,"sentiment":"neutral","sentiment_score":0.1379946619272232},{"text":"That's that's yep.","start":347.37,"end":348.72998,"sentiment":"neutral","sentiment_score":0.17598213255405426}],"sentiment":"neutral","sentiment_score":0.13071581038335958,"num_words":24,"start":332.255,"end":348.72998},{"sentences":[{"text":"8,000 a month?","start":348.72998,"end":349.845,"sentiment":"neutral","sentiment_score":0.07269221047560374},{"text":"That's 90 that's 96,000 a year.","start":355.845,"end":357.845,"sentiment":"neutral","sentiment_score":0.16590174535910288},{"text":"That's not too bad.","start":357.845,"end":358.965,"sentiment":"neutral","sentiment_score":0.3186431750655174},{"text":"Because none of that will be taxed, will it?","start":358.965,"end":360.885,"sentiment":"neutral","sentiment_score":0.08293536595172352},{"text":"That's just straight.","start":360.885,"end":361.945,"sentiment":"neutral","sentiment_score":0.13350931058327356}],"sentiment":"neutral","sentiment_score":0.14540024116635322,"num_words":25,"start":348.72998,"end":361.945},{"sentences":[{"text":"Yeah.","start":362.91,"end":363.41,"sentiment":"neutral","sentiment_score":0.18610244989395144},{"text":"Yep.","start":374.27,"end":374.77,"sentiment":"positive","sentiment_score":0.4349164962768554},{"text":"Yep.","start":378.03,"end":378.43,"sentiment":"neutral","sentiment_score":0.29315102100372314},{"text":"K.","start":378.43,"end":378.67,"sentiment":"neutral","sentiment_score":0.2141203135251999},{"text":"So it's just figuring out if we can achieve that and still have that if I drop back hours as well.","start":378.67,"end":386.42502,"sentiment":"neutral","sentiment_score":0.2490698735983599}],"sentiment":"neutral","sentiment_score":0.2543503050506115,"num_words":25,"start":362.91,"end":386.42502},{"sentences":[{"text":"Yeah.","start":388.245,"end":388.745,"sentiment":"neutral","sentiment_score":0.10318632423877716},{"text":"Both of us joined?","start":396.66,"end":397.88,"sentiment":"neutral","sentiment_score":0.044045234099030495},{"text":"At the moment, our general expenditure, but that includes, like, food, private health, unions, services, rates, water, insurances, and all our vehicle transports and stuff, is around about 4,700 a month.","start":404.45502,"end":417.45,"sentiment":"neutral","sentiment_score":0.03569909344397245},{"text":"But keeping in mind, a lot of those will be gone because we won't have motorbikes.","start":420.49002,"end":424.51,"sentiment":"neutral","sentiment_score":-0.28244409803301096},{"text":"Two unions.","start":424.89,"end":425.63,"sentiment":"neutral","sentiment_score":-0.13970214873552322}],"sentiment":"neutral","sentiment_score":-0.0631939020111329,"num_words":54,"start":388.245,"end":425.63},{"sentences":[{"text":"And and all of those things, like, then when we retire.","start":425.69,"end":430.11002,"sentiment":"neutral","sentiment_score":-0.06893148916688832},{"text":"Yeah.","start":438.105,"end":438.605,"sentiment":"neutral","sentiment_score":-0.014881299808621408},{"text":"Yeah.","start":439.625,"end":440.125,"sentiment":"neutral","sentiment_score":0.01750912517309189},{"text":"Yeah.","start":448.94,"end":449.44,"sentiment":"neutral","sentiment_score":-0.026605146005749702},{"text":"Probably fine.","start":455.18,"end":456.0,"sentiment":"neutral","sentiment_score":0.07436442002654076}],"sentiment":"neutral","sentiment_score":-0.03959342883899808,"num_words":16,"start":425.69,"end":456.0},{"sentences":[{"text":"Yeah.","start":458.22,"end":458.72,"sentiment":"neutral","sentiment_score":0.043079547584056854},{"text":"Yep.","start":461.595,"end":462.095,"sentiment":"neutral","sentiment_score":0.012092034332454205},{"text":"So you want annual gross, or do you want take home?","start":467.03497,"end":470.57498,"sentiment":"neutral","sentiment_score":0.0029022596903483977},{"text":"So my annual gross my annual gross is a $195.07 6 a year, and my take home, which I only have in monthly, is $5.01 $4.08 and 60¢ a month.","start":472.79498,"end":489.375,"sentiment":"neutral","sentiment_score":0.05029514682447088},{"text":"And that's working, you know, full time well, four days of four days of well, full full time.","start":494.475,"end":499.755,"sentiment":"neutral","sentiment_score":0.2811487168073654}],"sentiment":"neutral","sentiment_score":0.11010554331587627,"num_words":61,"start":458.22,"end":499.755},{"sentences":[{"text":"Yeah.","start":499.755,"end":500.075,"sentiment":"neutral","sentiment_score":0.14630049467086792},{"text":"Full time out.","start":500.075,"end":500.76,"sentiment":"neutral","sentiment_score":0.14825711647669473},{"text":"I assume so anyway.","start":508.68002,"end":509.64,"sentiment":"neutral","sentiment_score":-0.03433232009410858},{"text":"A bit of a tech.","start":509.80002,"end":510.28,"sentiment":"neutral","sentiment_score":-0.07836440205574036},{"text":"Probably be a little bit that's a bit more.","start":510.36002,"end":512.54004,"sentiment":"neutral","sentiment_score":-0.06057480132828156}],"sentiment":"neutral","sentiment_score":-0.021966029932214456,"num_words":22,"start":499.755,"end":512.54004},{"sentences":[{"text":"Yeah.","start":513.495,"end":513.995,"sentiment":"neutral","sentiment_score":0.03216036036610603},{"text":"Okay.","start":522.215,"end":522.615,"sentiment":"neutral","sentiment_score":-0.004633835516870022},{"text":"Hang on one sec.","start":522.615,"end":524.155,"sentiment":"neutral","sentiment_score":-0.006621777079999447},{"text":"It's on oh, wrong phone.","start":525.5,"end":527.2,"sentiment":"neutral","sentiment_score":-0.014759380882605911},{"text":"I think I've got space, and that was mine.","start":527.26,"end":529.68,"sentiment":"neutral","sentiment_score":-0.010234393800298372}],"sentiment":"neutral","sentiment_score":-0.008243351604323833,"num_words":20,"start":513.495,"end":529.68},{"sentences":[{"text":"Just get my payslip.","start":530.3,"end":531.26,"sentiment":"neutral","sentiment_score":0.04748134780675173},{"text":"That'll be easier to look at.","start":531.26,"end":532.88,"sentiment":"neutral","sentiment_score":0.06330856059988339},{"text":"Because I think I've I've with me dropping wages, I've gone to just shy of 1,500 a week instead of two instead of $2.04.","start":534.54,"end":544.465,"sentiment":"neutral","sentiment_score":-0.025721681175734073},{"text":"So it was only a $900 drop.","start":544.84503,"end":547.985,"sentiment":"neutral","sentiment_score":-0.008243100584617682},{"text":"So I my alley, right, is that oh, sorry.","start":549.965,"end":552.945,"sentiment":"neutral","sentiment_score":-0.0026625364811884034}],"sentiment":"neutral","sentiment_score":-0.0025841625162865965,"num_words":50,"start":530.3,"end":552.945},{"sentences":[{"text":"Yeah.","start":554.28503,"end":554.445,"sentiment":"neutral","sentiment_score":0.03070200607180595},{"text":"It's 14 1,400 and change, I think I am.","start":554.445,"end":557.71,"sentiment":"neutral","sentiment_score":0.054905492864135236},{"text":"Let me get you down.","start":557.71,"end":558.59,"sentiment":"neutral","sentiment_score":-0.003347201133146882},{"text":"You are now I don't have your weekly.","start":558.59,"end":560.35004,"sentiment":"neutral","sentiment_score":-0.06203651009127498},{"text":"I've just got 517104 a month.","start":560.35004,"end":563.65,"sentiment":"neutral","sentiment_score":-0.03212358243763447}],"sentiment":"neutral","sentiment_score":-0.00623855652319717,"num_words":29,"start":554.28503,"end":563.65},{"sentences":[{"text":"$5.01 $7.01.","start":563.71,"end":564.83,"sentiment":"neutral","sentiment_score":-0.010175926610827446},{"text":"Yeah.","start":564.83,"end":565.33,"sentiment":"neutral","sentiment_score":-0.01653415709733963},{"text":"Hang on.","start":565.55,"end":566.37,"sentiment":"neutral","sentiment_score":-0.027518747374415398},{"text":"Aren't you 5,000 a month?","start":566.51,"end":568.29004,"sentiment":"neutral","sentiment_score":-0.02114869300276041},{"text":"I'm the same I'm the same if I drop down.","start":568.35004,"end":570.51,"sentiment":"neutral","sentiment_score":-0.027614723518490793}],"sentiment":"neutral","sentiment_score":-0.023690710263326763,"num_words":20,"start":563.71,"end":570.51},{"sentences":[{"text":"Oh, okay.","start":570.51,"end":571.07,"sentiment":"neutral","sentiment_score":-0.0029835933819413185},{"text":"Yep.","start":571.07,"end":571.365,"sentiment":"neutral","sentiment_score":0.0004103488172404468},{"text":"Oh, so that's not what my job is.","start":571.845,"end":573.605,"sentiment":"neutral","sentiment_score":-0.11706730257719755},{"text":"No.","start":573.605,"end":573.845,"sentiment":"neutral","sentiment_score":-0.2927340865135193},{"text":"Yours is wrong.","start":573.845,"end":574.805,"sentiment":"negative","sentiment_score":-0.3429848551750183}],"sentiment":"neutral","sentiment_score":-0.15091892737351978,"num_words":15,"start":570.51,"end":574.805},{"sentences":[{"text":"Sorry.","start":574.805,"end":575.205,"sentiment":"neutral","sentiment_score":-0.3116607069969177},{"text":"I'm giving you my wrong pay.","start":575.205,"end":576.885,"sentiment":"neutral","sentiment_score":-0.32975398500760394},{"text":"That's that's a fortnight you've given up.","start":576.885,"end":578.885,"sentiment":"neutral","sentiment_score":-0.2786533981561661},{"text":"Yeah.","start":578.885,"end":579.125,"sentiment":"neutral","sentiment_score":-0.04132504388689995},{"text":"I have.","start":579.125,"end":579.705,"sentiment":"neutral","sentiment_score":-0.025632447563111782}],"sentiment":"neutral","sentiment_score":-0.2549028437146369,"num_words":17,"start":574.805,"end":579.705},{"sentences":[{"text":"Will be double that figure that she gave you, so it'll be 10,000 and something.","start":587.32996,"end":593.11,"sentiment":"neutral","sentiment_score":0.0222891412054499},{"text":"It'll be 10,000 6 101.","start":593.25,"end":597.61505,"sentiment":"neutral","sentiment_score":0.008409306406974792},{"text":"Yeah.","start":597.61505,"end":597.775,"sentiment":"neutral","sentiment_score":0.05114786699414253},{"text":"Double one.","start":597.775,"end":598.67505,"sentiment":"neutral","sentiment_score":0.0951843224465847},{"text":"Yeah.","start":599.29504,"end":599.79504,"sentiment":"neutral","sentiment_score":0.17646193504333496}],"sentiment":"neutral","sentiment_score":0.03309842071030289,"num_words":24,"start":587.32996,"end":599.79504},{"sentences":[{"text":"You were thinking that was very small if I'm gonna have that.","start":601.53503,"end":604.35504,"sentiment":"neutral","sentiment_score":0.009036726007858912},{"text":"Sorry.","start":607.455,"end":607.955,"sentiment":"neutral","sentiment_score":-0.0314381904900074},{"text":"Do you want my hourly rate?","start":610.41504,"end":611.85,"sentiment":"neutral","sentiment_score":0.013754277645299831},{"text":"My my hourly rate is $100 and 3611, so 03611.","start":612.81,"end":619.70996,"sentiment":"neutral","sentiment_score":0.03652886413037777},{"text":"It's thirty yeah.","start":632.545,"end":633.265,"sentiment":"neutral","sentiment_score":0.015678729241093}],"sentiment":"neutral","sentiment_score":0.0178704067657236,"num_words":32,"start":601.53503,"end":633.265},{"sentences":[{"text":"I think it's thirty eight.","start":633.265,"end":634.305,"sentiment":"neutral","sentiment_score":0.02162783369421959},{"text":"So it'll be half of that.","start":634.305,"end":635.685,"sentiment":"neutral","sentiment_score":0.03291843552142382},{"text":"That's just yeah.","start":638.545,"end":639.525,"sentiment":"neutral","sentiment_score":0.07552214711904526},{"text":"Approximately that we'll be working on because I'd have to find someone to job share.","start":641.745,"end":645.53,"sentiment":"neutral","sentiment_score":0.015231570197890202},{"text":"Yeah.","start":646.31,"end":646.81,"sentiment":"neutral","sentiment_score":0.11650664359331132}],"sentiment":"neutral","sentiment_score":0.0292398806506147,"num_words":30,"start":633.265,"end":646.81},{"sentences":[{"text":"Mhmm.","start":656.71,"end":656.8325,"sentiment":"neutral","sentiment_score":0.035166673362255096},{"text":"Yes.","start":656.8325,"end":656.955,"sentiment":"neutral","sentiment_score":0.06457884609699249},{"text":"Yeah.","start":665.515,"end":665.835,"sentiment":"neutral","sentiment_score":0.019553860649466515},{"text":"So tell you the exact I'll I'll go into the Commonwealth Bank and tell you the exact amount that's coming in.","start":665.835,"end":669.79504,"sentiment":"neutral","sentiment_score":0.015811436410461153},{"text":"Wrong.","start":669.91504,"end":670.395,"sentiment":"neutral","sentiment_score":-0.12791064381599426}],"sentiment":"neutral","sentiment_score":0.012937156036496162,"num_words":25,"start":656.71,"end":670.395},{"sentences":[{"text":"It's not.","start":670.395,"end":671.135,"sentiment":"neutral","sentiment_score":-0.09534172713756561},{"text":"Oh, ignore that.","start":671.65,"end":673.01,"sentiment":"neutral","sentiment_score":-0.08774479726950328},{"text":"Yeah.","start":673.01,"end":673.25,"sentiment":"neutral","sentiment_score":-0.0585399754345417},{"text":"I haven't changed that yet.","start":673.25,"end":674.55,"sentiment":"neutral","sentiment_score":-0.10820225328207016},{"text":"And that's that's it's got expenses in it.","start":676.29,"end":679.17,"sentiment":"neutral","sentiment_score":-0.08117083739489317}],"sentiment":"neutral","sentiment_score":-0.08962293616250942,"num_words":19,"start":670.395,"end":679.17},{"sentences":[{"text":"Don't forget.","start":679.17,"end":679.91,"sentiment":"neutral","sentiment_score":-0.049468906596302986},{"text":"It's got expenses taken out of it.","start":679.97,"end":681.65,"sentiment":"neutral","sentiment_score":-0.061980952109609334},{"text":"Yeah.","start":681.65,"end":681.89,"sentiment":"neutral","sentiment_score":-0.02115706168115139},{"text":"So you can't look at my bank.","start":681.89,"end":683.09,"sentiment":"neutral","sentiment_score":-0.04067247733473778},{"text":"Oh, then I don't have your pay stub.","start":683.09,"end":684.29,"sentiment":"neutral","sentiment_score":-0.036329903639853}],"sentiment":"neutral","sentiment_score":-0.045172324404120445,"num_words":25,"start":679.17,"end":684.29},{"sentences":[{"text":"No.","start":684.29,"end":684.79,"sentiment":"neutral","sentiment_score":-0.02726029232144356},{"text":"I sent some home, didn't I?","start":689.60504,"end":691.125,"sentiment":"neutral","sentiment_score":-0.016859315646191437},{"text":"You did.","start":691.125,"end":691.78503,"sentiment":"neutral","sentiment_score":-0.003111473750323057},{"text":"Yeah.","start":692.485,"end":692.72504,"sentiment":"neutral","sentiment_score":0.0060958885587751865},{"text":"Because there's there's I pay into shares out of my pay, and I pay accommodation out of my pay, which is all So you pay Yeah.","start":692.72504,"end":708.0,"sentiment":"neutral","sentiment_score":-0.00491139729722188}],"sentiment":"neutral","sentiment_score":-0.007117765968562,"num_words":36,"start":684.29,"end":708.0},{"sentences":[{"text":"Yeah.","start":712.94,"end":713.26,"sentiment":"neutral","sentiment_score":0.15639623999595642},{"text":"She's got one coming now.","start":713.26,"end":714.72,"sentiment":"neutral","sentiment_score":0.19741821885108948},{"text":"Just taking sweet time to download.","start":715.1,"end":718.195,"sentiment":"positive","sentiment_score":0.5463904961943626},{"text":"Can you access that, Scott?","start":730.575,"end":732.42,"sentiment":"neutral","sentiment_score":0.0028364382684230804},{"text":"So mine doesn't seem to work anymore for me.","start":733.2,"end":735.62,"sentiment":"neutral","sentiment_score":-0.20729409820503658}],"sentiment":"neutral","sentiment_score":0.09886021611209099,"num_words":26,"start":712.94,"end":735.62},{"sentences":[{"text":"Well, that's in the mail.","start":736.16003,"end":737.3,"sentiment":"neutral","sentiment_score":-0.04720675349235535},{"text":"No.","start":755.30505,"end":755.465,"sentiment":"neutral","sentiment_score":-0.05175294727087021},{"text":"But you carry on, and I'll I'll come back to you with Yep.","start":755.465,"end":759.22504,"sentiment":"neutral","sentiment_score":0.0206928771848862},{"text":"That's okay.","start":759.22504,"end":759.945,"sentiment":"neutral","sentiment_score":0.19935736060142517},{"text":"Easy.","start":759.945,"end":760.445,"sentiment":"neutral","sentiment_score":0.20825302600860596}],"sentiment":"neutral","sentiment_score":0.02673583799465136,"num_words":22,"start":736.16003,"end":760.445},{"sentences":[{"text":"What Yep.","start":760.505,"end":770.3,"sentiment":"neutral","sentiment_score":0.017533252015709877},{"text":"Yeah.","start":779.235,"end":779.735,"sentiment":"neutral","sentiment_score":0.06658163666725159},{"text":"Yeah.","start":784.355,"end":784.855,"sentiment":"neutral","sentiment_score":0.0812244564294815},{"text":"So I think that's the question we wanna ask.","start":791.64996,"end":793.81,"sentiment":"neutral","sentiment_score":0.05551778732074632},{"text":"We've got at the moment, we've we've paid it all off.","start":793.81,"end":796.77,"sentiment":"neutral","sentiment_score":-0.07304940914565866}],"sentiment":"neutral","sentiment_score":-0.005042117399473986,"num_words":24,"start":760.505,"end":796.77},{"sentences":[{"text":"We've got we've left our home loan open for the moment.","start":796.77,"end":801.27,"sentiment":"neutral","sentiment_score":-0.044988436116413635},{"text":"It's got about how much is in in it?","start":802.29,"end":805.335,"sentiment":"neutral","sentiment_score":-0.019489898346364498},{"text":"Let me just look.","start":807.255,"end":808.375,"sentiment":"neutral","sentiment_score":-0.07301566936075687},{"text":"193,600 owing on it, but we're not paying any interest because we've got about $387,000 sitting in the offsetting.","start":808.375,"end":818.79504,"sentiment":"neutral","sentiment_score":-0.31828534759973226},{"text":"Account.","start":820.82996,"end":821.14996,"sentiment":"neutral","sentiment_score":-0.033575668931007385}],"sentiment":"neutral","sentiment_score":-0.1600759507537904,"num_words":44,"start":796.77,"end":821.14996},{"sentences":[{"text":"So but we'll have to take a $100,100,000 out of that for capital gains.","start":821.14996,"end":826.69,"sentiment":"neutral","sentiment_score":-0.03565318177321127},{"text":"So after we like, if we were to pay off the loan fully and pay off the capital gains, we'd be like we'd have about a $100,000 in Equity.","start":828.19,"end":837.91504,"sentiment":"neutral","sentiment_score":0.026647090398032088},{"text":"Equity, like, and just sitting there as cash.","start":838.195,"end":841.495,"sentiment":"neutral","sentiment_score":0.048176220152527094},{"text":"So we're sort of like, do we pay the home loan after we leave the home loan there?","start":844.58,"end":848.44,"sentiment":"neutral","sentiment_score":-0.007620121662815412},{"text":"And the main reasons we're we're thinking about that is because we're looking at buying a motor home and traveling.","start":849.3,"end":854.52,"sentiment":"neutral","sentiment_score":0.13513984568417073}],"sentiment":"neutral","sentiment_score":0.03623219732236996,"num_words":89,"start":821.14996,"end":854.52},{"sentences":[{"text":"Doing a lot of Australia.","start":854.58,"end":855.8,"sentiment":"neutral","sentiment_score":0.15086145848035812},{"text":"So which helps us if we're working 50%.","start":857.185,"end":860.38495,"sentiment":"neutral","sentiment_score":0.24417406879365444},{"text":"So I was sort of trying to decide what the better approach is there.","start":860.38495,"end":866.165,"sentiment":"neutral","sentiment_score":-0.09071522285895688},{"text":"Yeah.","start":880.48,"end":880.8,"sentiment":"neutral","sentiment_score":0.03988270461559296},{"text":"Well, that's the thing with We'll have a 100,000 left over.","start":880.8,"end":883.68,"sentiment":"neutral","sentiment_score":0.03872747668488459}],"sentiment":"neutral","sentiment_score":0.0488095300224347,"num_words":39,"start":854.58,"end":883.68},{"sentences":[{"text":"We've probably got a $100,000 of assets we're gonna sell.","start":883.68,"end":886.835,"sentiment":"neutral","sentiment_score":0.052341142855584624},{"text":"And then just a bit of maybe a bit of change, we'll pull back out of the home loan and only have 50,000 to pay off the home loan or something, which is why we haven't closed it down yet because home loan rate's better than car loan rates.","start":887.215,"end":899.76,"sentiment":"neutral","sentiment_score":-0.04771026463380882},{"text":"So what we were thinking is that that what we should with a better idea then?","start":899.76,"end":903.36,"sentiment":"neutral","sentiment_score":-0.04026702186092734},{"text":"Yes.","start":903.36,"end":903.86,"sentiment":"neutral","sentiment_score":-0.04744398593902588},{"text":"Yeah.","start":925.4,"end":925.9,"sentiment":"neutral","sentiment_score":0.15582096576690674}],"sentiment":"neutral","sentiment_score":-0.030523206603217435,"num_words":77,"start":883.68,"end":925.9},{"sentences":[{"text":"Yeah.","start":931.0,"end":931.5,"sentiment":"neutral","sentiment_score":0.2871279716491699},{"text":"Okay.","start":932.52,"end":933.02,"sentiment":"positive","sentiment_score":0.3425159752368927},{"text":"Yep.","start":988.57,"end":989.07,"sentiment":"neutral","sentiment_score":-0.04740404710173607},{"text":"Okay.","start":995.53,"end":995.895,"sentiment":"neutral","sentiment_score":0.031700409948825836},{"text":"Yes.","start":1001.255,"end":1001.73505,"sentiment":"neutral","sentiment_score":0.10077840089797974}],"sentiment":"neutral","sentiment_score":0.14294374212622643,"num_words":5,"start":931.0,"end":1001.73505},{"sentences":[{"text":"Yeah.","start":1001.73505,"end":1002.23505,"sentiment":"neutral","sentiment_score":0.08858285844326019},{"text":"Yeah.","start":1031.605,"end":1032.005,"sentiment":"neutral","sentiment_score":0.001856902614235878},{"text":"So we still have the home loan.","start":1032.005,"end":1034.025,"sentiment":"neutral","sentiment_score":0.0002971323473112924},{"text":"At the at the moment, we've got a 193,000.","start":1035.125,"end":1038.0801,"sentiment":"neutral","sentiment_score":-0.016096575806538265},{"text":"We only pay 320 a month, which is Which is because there's no no interest.","start":1038.0801,"end":1042.4801,"sentiment":"neutral","sentiment_score":-0.05177977109948794}],"sentiment":"neutral","sentiment_score":-0.0251226079170451,"num_words":33,"start":1001.73505,"end":1042.4801},{"sentences":[{"text":"We still pay a a monthly payment because they make you pay a payment.","start":1042.4801,"end":1045.62,"sentiment":"neutral","sentiment_score":-0.024088446982204914},{"text":"But yeah.","start":1046.3201,"end":1047.04,"sentiment":"neutral","sentiment_score":0.011896164156496525},{"text":"So that'd be sort of similar, but we'd have that little bit of interest for Yes.","start":1047.04,"end":1051.695,"sentiment":"neutral","sentiment_score":0.014508916530758142},{"text":"$50 or something that we pull out for the the home loan.","start":1051.775,"end":1054.675,"sentiment":"neutral","sentiment_score":0.029699567705392838},{"text":"The Motorhome.","start":1054.815,"end":1055.875,"sentiment":"neutral","sentiment_score":0.021526492200791836}],"sentiment":"neutral","sentiment_score":0.006916185476533745,"num_words":46,"start":1042.4801,"end":1055.875},{"sentences":[{"text":"Motorhome.","start":1056.015,"end":1056.515,"sentiment":"neutral","sentiment_score":0.022707877680659298},{"text":"Yeah.","start":1061.615,"end":1062.115,"sentiment":"neutral","sentiment_score":-0.003700058907270431},{"text":"Well, I think the because we're looking at a brand new one.","start":1062.575,"end":1065.9199,"sentiment":"neutral","sentiment_score":-0.02495827867339055},{"text":"Well well, we're looking at a very close to new one.","start":1065.9199,"end":1067.9199,"sentiment":"neutral","sentiment_score":0.03634968298402699},{"text":"So it's probably around about $250, which means we'll we'll use a 100 of the offset money that was got left over.","start":1067.9199,"end":1074.0,"sentiment":"neutral","sentiment_score":0.04519169422035867}],"sentiment":"neutral","sentiment_score":0.02369302681627426,"num_words":47,"start":1056.015,"end":1074.0},{"sentences":[{"text":"We use a 100 of our assets that we gotta sell, and we'll use 50 of the home loan.","start":1074.0,"end":1078.895,"sentiment":"neutral","sentiment_score":0.04044421389698982},{"text":"And then we still got a $250,000 asset as well in the motor home.","start":1080.475,"end":1085.9149,"sentiment":"neutral","sentiment_score":0.09087915040020432},{"text":"Yep.","start":1085.9149,"end":1086.4149,"sentiment":"neutral","sentiment_score":0.051545899361371994},{"text":"The the sorry.","start":1096.58,"end":1097.46,"sentiment":"neutral","sentiment_score":-0.03357375040650368},{"text":"The the Assets out.","start":1097.46,"end":1098.9,"sentiment":"neutral","sentiment_score":-0.034663822036236525}],"sentiment":"neutral","sentiment_score":0.04519311047908736,"num_words":41,"start":1074.0,"end":1098.9},{"sentences":[{"text":"No.","start":1098.9,"end":1099.14,"sentiment":"neutral","sentiment_score":-0.06954382359981537},{"text":"That's actually I've got a new car, but I haven't sold the Tesla.","start":1099.14,"end":1104.28,"sentiment":"neutral","sentiment_score":-0.05811587405892519},{"text":"And and an agreement when we get the motor home is that they're selling the jet skis.","start":1104.74,"end":1110.405,"sentiment":"neutral","sentiment_score":0.004537112065864836},{"text":"So the two jet skis and the trailer.","start":1110.785,"end":1113.025,"sentiment":"neutral","sentiment_score":0.015736905043013394},{"text":"So Jet skis.","start":1113.025,"end":1113.825,"sentiment":"neutral","sentiment_score":0.0093318164969484}],"sentiment":"neutral","sentiment_score":-0.014143537890742578,"num_words":42,"start":1098.9,"end":1113.825},{"sentences":[{"text":"We estimate them all joined together being $100.","start":1113.985,"end":1117.4451,"sentiment":"neutral","sentiment_score":0.017259721411392093},{"text":"At least.","start":1117.505,"end":1118.01,"sentiment":"neutral","sentiment_score":0.034021828323602676},{"text":"Yep.","start":1118.5701,"end":1119.0701,"sentiment":"neutral","sentiment_score":0.12331747263669968},{"text":"Yep.","start":1119.29,"end":1119.79,"sentiment":"neutral","sentiment_score":0.23017606139183044},{"text":"Yes.","start":1122.25,"end":1122.75,"sentiment":"neutral","sentiment_score":0.1157240867614746}],"sentiment":"neutral","sentiment_score":0.05194915759448822,"num_words":13,"start":1113.985,"end":1122.75},{"sentences":[{"text":"Yes.","start":1125.53,"end":1126.03,"sentiment":"neutral","sentiment_score":0.03122609108686447},{"text":"A full motor home you drive around.","start":1133.555,"end":1135.335,"sentiment":"neutral","sentiment_score":0.008699631584542138},{"text":"Yeah.","start":1135.715,"end":1136.215,"sentiment":"neutral","sentiment_score":0.06052540615200997},{"text":"No.","start":1139.875,"end":1140.375,"sentiment":"neutral","sentiment_score":-0.04703646898269653},{"text":"No.","start":1140.595,"end":1141.095,"sentiment":"neutral","sentiment_score":-0.049837492406368256}],"sentiment":"neutral","sentiment_score":0.005070450631054965,"num_words":11,"start":1125.53,"end":1141.095},{"sentences":[{"text":"Probably just one of one of my little motorbikes I'll stick on the back of it.","start":1141.955,"end":1145.255,"sentiment":"neutral","sentiment_score":0.001252045331057161},{"text":"Yeah.","start":1148.4,"end":1148.9,"sentiment":"neutral","sentiment_score":0.027403388172388077},{"text":"Yeah.","start":1151.68,"end":1152.18,"sentiment":"neutral","sentiment_score":0.013994771987199783},{"text":"But you said 1.9, didn't you?","start":1171.875,"end":1174.115,"sentiment":"neutral","sentiment_score":-0.012987559816489616},{"text":"I thought it would be about 1.92 mil.","start":1174.115,"end":1176.75,"sentiment":"neutral","sentiment_score":-0.009538632701151073}],"sentiment":"neutral","sentiment_score":-0.0029001104703638703,"num_words":32,"start":1141.955,"end":1176.75},{"sentences":[{"text":"Yeah.","start":1177.07,"end":1177.57,"sentiment":"neutral","sentiment_score":0.02260148711502552},{"text":"Yep.","start":1182.19,"end":1182.59,"sentiment":"neutral","sentiment_score":0.01025718729943037},{"text":"Two is fine.","start":1182.59,"end":1183.39,"sentiment":"neutral","sentiment_score":0.03648861621816953},{"text":"Two is fine, I think.","start":1183.39,"end":1184.69,"sentiment":"neutral","sentiment_score":0.03488175459206104},{"text":"Yeah.","start":1185.15,"end":1185.65,"sentiment":"neutral","sentiment_score":0.05918858200311661}],"sentiment":"neutral","sentiment_score":0.034174716184762394,"num_words":11,"start":1177.07,"end":1185.65},{"sentences":[{"text":"Yes.","start":1207.5599,"end":1207.7999,"sentiment":"neutral","sentiment_score":0.024596918374300003},{"text":"And that's the one we're going to sell or set trying to sell.","start":1207.7999,"end":1211.5,"sentiment":"neutral","sentiment_score":0.01366190855892805},{"text":"I've got it actually at 55,000 at the moment.","start":1216.36,"end":1219.335,"sentiment":"neutral","sentiment_score":0.003128782380372286},{"text":"Outright.","start":1224.695,"end":1225.195,"sentiment":"neutral","sentiment_score":-0.036394573748111725},{"text":"No loans.","start":1225.255,"end":1225.995,"sentiment":"neutral","sentiment_score":-0.032472885213792324}],"sentiment":"neutral","sentiment_score":0.004962324111077648,"num_words":26,"start":1207.5599,"end":1225.995},{"sentences":[{"text":"Yep.","start":1234.5349,"end":1235.0349,"sentiment":"neutral","sentiment_score":0.0781262218952179},{"text":"Yes.","start":1238.23,"end":1238.5499,"sentiment":"neutral","sentiment_score":0.052489448338747025},{"text":"We do.","start":1238.5499,"end":1239.2899,"sentiment":"neutral","sentiment_score":0.04722587577998638},{"text":"That's 85?","start":1244.47,"end":1245.19,"sentiment":"neutral","sentiment_score":-0.008141173282638192},{"text":"What have we got on that?","start":1245.19,"end":1246.07,"sentiment":"neutral","sentiment_score":-0.01513277025272449}],"sentiment":"neutral","sentiment_score":0.009832371142692864,"num_words":12,"start":1234.5349,"end":1246.07},{"sentences":[{"text":"What have we got on that for a value?","start":1246.07,"end":1247.745,"sentiment":"neutral","sentiment_score":-0.014309821650385857},{"text":"Yeah.","start":1251.665,"end":1252.165,"sentiment":"neutral","sentiment_score":0.026437908411026},{"text":"No.","start":1257.905,"end":1258.145,"sentiment":"neutral","sentiment_score":-0.06791092455387115},{"text":"There's debt on that one.","start":1258.145,"end":1259.445,"sentiment":"neutral","sentiment_score":-0.0642976351082325},{"text":"We owed currently I'm on the wrong phone again.","start":1262.5,"end":1266.3401,"sentiment":"neutral","sentiment_score":-0.13540234085586336}],"sentiment":"neutral","sentiment_score":-0.06841482616961002,"num_words":25,"start":1246.07,"end":1266.3401},{"sentences":[{"text":"Got my phone.","start":1266.3401,"end":1267.14,"sentiment":"neutral","sentiment_score":-0.09711128969987233},{"text":"Gotta keep sorry.","start":1267.14,"end":1269.88,"sentiment":"neutral","sentiment_score":-0.10713911056518555},{"text":"Got different 45.","start":1270.02,"end":1271.9401,"sentiment":"neutral","sentiment_score":-0.052358670781056084},{"text":"It's a third of it.","start":1271.9401,"end":1272.8201,"sentiment":"neutral","sentiment_score":-0.05057327225804329},{"text":"So I $50.50.","start":1272.8201,"end":1274.2001,"sentiment":"neutral","sentiment_score":-0.03646622101465861}],"sentiment":"neutral","sentiment_score":-0.06659366102779612,"num_words":17,"start":1266.3401,"end":1274.2001},{"sentences":[{"text":"I think it's 43,000.","start":1274.515,"end":1275.7949,"sentiment":"neutral","sentiment_score":-0.03363911621272564},{"text":"Yeah.","start":1275.7949,"end":1275.955,"sentiment":"neutral","sentiment_score":-0.024115288630127907},{"text":"43 is quite a lot.","start":1275.955,"end":1276.915,"sentiment":"neutral","sentiment_score":-0.034744441509246826},{"text":"Yeah.","start":1276.915,"end":1277.315,"sentiment":"neutral","sentiment_score":0.015909705311059952},{"text":"Yep.","start":1277.315,"end":1277.815,"sentiment":"neutral","sentiment_score":0.02358105778694153}],"sentiment":"neutral","sentiment_score":-0.024408599827438593,"num_words":12,"start":1274.515,"end":1277.815},{"sentences":[{"text":"Yep.","start":1287.875,"end":1288.375,"sentiment":"neutral","sentiment_score":0.03137226030230522},{"text":"Yeah.","start":1288.595,"end":1289.095,"sentiment":"neutral","sentiment_score":0.01975345239043236},{"text":"We've kinda put for the jet skis and its trailer.","start":1294.0,"end":1296.5801,"sentiment":"neutral","sentiment_score":0.00610778738046065},{"text":"We're thinking we'll sell it for around between 50 to 60, so probably 55.","start":1296.72,"end":1301.14,"sentiment":"neutral","sentiment_score":0.00240220658348075},{"text":"No loans.","start":1307.7251,"end":1308.385,"sentiment":"neutral","sentiment_score":-0.0494679119437933}],"sentiment":"neutral","sentiment_score":0.0016749519563745707,"num_words":28,"start":1287.875,"end":1308.385},{"sentences":[{"text":"Yeah.","start":1313.0851,"end":1313.5851,"sentiment":"neutral","sentiment_score":0.09698450565338136},{"text":"Yep.","start":1314.125,"end":1314.6,"sentiment":"neutral","sentiment_score":0.08160161972045898},{"text":"Probably just sell them as a package.","start":1314.6799,"end":1316.0599,"sentiment":"neutral","sentiment_score":0.14399135538509913},{"text":"I think I'll just leave it as that, but I do have another vehicle that you've gotta add.","start":1340.2001,"end":1344.2201,"sentiment":"neutral","sentiment_score":0.07271033877299891},{"text":"It's a BYDC line eight.","start":1349.0801,"end":1351.3401,"sentiment":"neutral","sentiment_score":0.03726533018052578}],"sentiment":"neutral","sentiment_score":0.08380119880894199,"num_words":32,"start":1313.0851,"end":1351.3401},{"sentences":[{"text":"What what was your name?","start":1357.865,"end":1358.905,"sentiment":"neutral","sentiment_score":0.01349172331392765},{"text":"70000.","start":1358.905,"end":1359.7251,"sentiment":"neutral","sentiment_score":0.010569080710411072},{"text":"70000?","start":1359.785,"end":1360.685,"sentiment":"neutral","sentiment_score":0.010589840821921824},{"text":"And I do have a loan on that.","start":1363.2251,"end":1364.925,"sentiment":"neutral","sentiment_score":0.18636976182460785},{"text":"I think I owe around about what do I can I have The same thing?","start":1368.3451,"end":1373.37,"sentiment":"neutral","sentiment_score":0.011553634361674388}],"sentiment":"neutral","sentiment_score":0.058429338270798326,"num_words":30,"start":1357.865,"end":1373.37},{"sentences":[{"text":"Around about the same because it's only recent.","start":1373.37,"end":1375.23,"sentiment":"neutral","sentiment_score":-0.0012565036104206229},{"text":"It's only, like, four months old or a couple of months old.","start":1375.61,"end":1379.47,"sentiment":"neutral","sentiment_score":0.05503080219690067},{"text":"And it like, both of our vehicle loans, just so you know, they're both at, like, what his is 1.99%, and one's mine's 1.89%.","start":1380.09,"end":1387.705,"sentiment":"neutral","sentiment_score":0.12404601803670327},{"text":"So they're very low interest rates.","start":1387.705,"end":1389.485,"sentiment":"neutral","sentiment_score":0.03959797446926435},{"text":"Yeah.","start":1396.0249,"end":1396.4249,"sentiment":"neutral","sentiment_score":0.057762980461120605}],"sentiment":"neutral","sentiment_score":0.07691711485562801,"num_words":51,"start":1373.37,"end":1396.4249},{"sentences":[{"text":"Yep.","start":1396.4249,"end":1396.9249,"sentiment":"neutral","sentiment_score":0.06863410025835037},{"text":"Yeah.","start":1400.38,"end":1400.88,"sentiment":"neutral","sentiment_score":0.14780190587043762},{"text":"That's why we didn't bother paying them out with the money we had in the offset.","start":1401.82,"end":1404.7,"sentiment":"neutral","sentiment_score":0.027716685086488724},{"text":"We're like, that's too low.","start":1404.7,"end":1405.98,"sentiment":"neutral","sentiment_score":0.005100225564092398},{"text":"It just Yeah.","start":1405.98,"end":1410.7,"sentiment":"neutral","sentiment_score":0.008383380249142647}],"sentiment":"neutral","sentiment_score":0.027329009080019135,"num_words":26,"start":1396.4249,"end":1410.7},{"sentences":[{"text":"With BYD.","start":1410.7,"end":1411.57,"sentiment":"neutral","sentiment_score":0.023892399854958057},{"text":"BYD.","start":1411.82,"end":1411.9,"sentiment":"neutral","sentiment_score":0.02396097406744957},{"text":"Yeah.","start":1411.9,"end":1412.4,"sentiment":"neutral","sentiment_score":0.010114585049450396},{"text":"That's what I do to shift shift units.","start":1412.9149,"end":1414.7749,"sentiment":"neutral","sentiment_score":0.0284193130210042},{"text":"Yeah.","start":1415.075,"end":1415.575,"sentiment":"neutral","sentiment_score":0.07217434048652649}],"sentiment":"neutral","sentiment_score":0.029337631037028935,"num_words":13,"start":1410.7,"end":1415.575},{"sentences":[{"text":"Up to date by the Chinese government, I'm guessing.","start":1416.6749,"end":1418.9349,"sentiment":"neutral","sentiment_score":0.03499937223063575},{"text":"No.","start":1429.0499,"end":1429.5499,"sentiment":"neutral","sentiment_score":-0.04079318046569824},{"text":"No.","start":1430.09,"end":1430.59,"sentiment":"neutral","sentiment_score":-0.07738813757896423},{"text":"No.","start":1430.97,"end":1431.47,"sentiment":"neutral","sentiment_score":-0.042151544243097305},{"text":"They have nothing in three years.","start":1431.85,"end":1433.45,"sentiment":"neutral","sentiment_score":-0.00831035990267992}],"sentiment":"neutral","sentiment_score":0.005822184909549024,"num_words":18,"start":1416.6749,"end":1433.45},{"sentences":[{"text":"Yep.","start":1433.45,"end":1433.95,"sentiment":"neutral","sentiment_score":0.007845250889658928},{"text":"Yep.","start":1441.845,"end":1442.325,"sentiment":"neutral","sentiment_score":0.022082408890128136},{"text":"Well, mine in two.","start":1442.325,"end":1443.925,"sentiment":"neutral","sentiment_score":0.02168837282806635},{"text":"Two, mine in three.","start":1443.925,"end":1445.145,"sentiment":"neutral","sentiment_score":0.03208834817633033},{"text":"So the shark in shark in two.","start":1446.325,"end":1448.165,"sentiment":"neutral","sentiment_score":0.054096074508769174}],"sentiment":"neutral","sentiment_score":0.036688650903456355,"num_words":17,"start":1433.45,"end":1448.165},{"sentences":[{"text":"Yeah.","start":1448.165,"end":1448.665,"sentiment":"neutral","sentiment_score":0.030484095215797424},{"text":"Yeah?","start":1455.285,"end":1455.685,"sentiment":"neutral","sentiment_score":0.034681737422943115},{"text":"Yep.","start":1455.685,"end":1456.17,"sentiment":"neutral","sentiment_score":0.01502501592040062},{"text":"Yeah.","start":1457.13,"end":1457.61,"sentiment":"neutral","sentiment_score":0.025587555021047592},{"text":"Yeah.","start":1457.61,"end":1457.8501,"sentiment":"neutral","sentiment_score":0.03073148988187313}],"sentiment":"neutral","sentiment_score":0.027301978692412375,"num_words":5,"start":1448.165,"end":1457.8501},{"sentences":[{"text":"Hi.","start":1457.8501,"end":1458.0901,"sentiment":"neutral","sentiment_score":0.03769379109144211},{"text":"Both both hybrids.","start":1458.0901,"end":1459.05,"sentiment":"neutral","sentiment_score":0.035166951517264046},{"text":"But mainly, they drive lock and electric.","start":1459.05,"end":1460.8301,"sentiment":"neutral","sentiment_score":0.034306377970746586},{"text":"Yeah.","start":1461.13,"end":1461.53,"sentiment":"neutral","sentiment_score":0.0418865792453289},{"text":"They've just got a generator here to get you going multiple.","start":1461.53,"end":1464.99,"sentiment":"neutral","sentiment_score":0.06490085646510124}],"sentiment":"neutral","sentiment_score":0.04952762138260448,"num_words":23,"start":1457.8501,"end":1464.99},{"sentences":[{"text":"Yep.","start":1474.8251,"end":1475.3251,"sentiment":"positive","sentiment_score":0.3827341198921203},{"text":"Yeah.","start":1479.385,"end":1479.625,"sentiment":"neutral","sentiment_score":0.09806019812822342},{"text":"Well, your card goes pages on the line trip.","start":1479.625,"end":1484.3081,"sentiment":"neutral","sentiment_score":0.1333779419461886},{"text":"Yeah.","start":1484.56,"end":1484.7201,"sentiment":"neutral","sentiment_score":0.2026546597480774},{"text":"We can do it.","start":1484.7201,"end":1485.6201,"sentiment":"neutral","sentiment_score":0.02412985824048519}],"sentiment":"neutral","sentiment_score":0.12377311801537871,"num_words":16,"start":1474.8251,"end":1485.6201},{"sentences":[{"text":"Oh, yeah.","start":1485.92,"end":1486.66,"sentiment":"neutral","sentiment_score":0.06652635522186756},{"text":"Yeah.","start":1487.04,"end":1487.3601,"sentiment":"neutral","sentiment_score":0.20700550079345703},{"text":"So good.","start":1487.3601,"end":1488.1001,"sentiment":"positive","sentiment_score":0.47193239629268646},{"text":"Do you mention the other you've got the other house there, haven't you?","start":1496.895,"end":1508.175,"sentiment":"neutral","sentiment_score":0.0011421398510440038},{"text":"The other unit in Melumbin that we own?","start":1508.175,"end":1510.88,"sentiment":"neutral","sentiment_score":-0.0035239653661847115}],"sentiment":"neutral","sentiment_score":0.04886842688294844,"num_words":26,"start":1485.92,"end":1510.88},{"sentences":[{"text":"Okay.","start":1513.02,"end":1513.52,"sentiment":"neutral","sentiment_score":0.003714916296303272},{"text":"Yeah.","start":1515.18,"end":1515.68,"sentiment":"neutral","sentiment_score":0.01816435530781746},{"text":"287,000.","start":1521.02,"end":1522.365,"sentiment":"neutral","sentiment_score":0.0016455433797091246},{"text":"What we bought.","start":1522.445,"end":1522.845,"sentiment":"neutral","sentiment_score":-0.002723156940191984},{"text":"That's what we bought it for.","start":1522.845,"end":1523.885,"sentiment":"neutral","sentiment_score":0.005415331688709557}],"sentiment":"neutral","sentiment_score":0.0039872778579592705,"num_words":12,"start":1513.02,"end":1523.885},{"sentences":[{"text":"So 300 now because it's Probably 300.","start":1523.885,"end":1525.885,"sentiment":"neutral","sentiment_score":-0.002199045315917049},{"text":"Cost the road trying to sell the one for For 400.","start":1526.045,"end":1529.1849,"sentiment":"neutral","sentiment_score":-0.00826850990680131},{"text":"For 400.","start":1529.245,"end":1529.885,"sentiment":"neutral","sentiment_score":-0.0005504741566255689},{"text":"3 100.","start":1529.885,"end":1530.625,"sentiment":"neutral","sentiment_score":0.006749635096639396},{"text":"That's owned out?","start":1533.165,"end":1534.385,"sentiment":"neutral","sentiment_score":0.008458900265395641}],"sentiment":"neutral","sentiment_score":-0.0027428761404007674,"num_words":25,"start":1523.885,"end":1534.385},{"sentences":[{"text":"No.","start":1535.005,"end":1535.245,"sentiment":"neutral","sentiment_score":-0.028322406113147736},{"text":"No.","start":1535.245,"end":1535.745,"sentiment":"neutral","sentiment_score":-0.019930852577090263},{"text":"Not.","start":1536.365,"end":1536.6849,"sentiment":"neutral","sentiment_score":-0.02471407689154148},{"text":"Yeah.","start":1536.6849,"end":1537.02,"sentiment":"neutral","sentiment_score":-0.0147273950278759},{"text":"But it's owned with my parents.","start":1537.1,"end":1538.7001,"sentiment":"neutral","sentiment_score":-0.027871410362422466}],"sentiment":"neutral","sentiment_score":-0.025492319278419016,"num_words":10,"start":1535.005,"end":1538.7001},{"sentences":[{"text":"So all four of us don't own it, and they it's not.","start":1538.7001,"end":1541.1,"sentiment":"neutral","sentiment_score":-0.038287884866197906},{"text":"But I own it.","start":1541.1,"end":1542.3,"sentiment":"neutral","sentiment_score":-0.0014267540536820889},{"text":"Yeah.","start":1542.3,"end":1542.8,"sentiment":"neutral","sentiment_score":0.004493063315749168},{"text":"We just had to put their name on the lease to Allow them to live in it.","start":1544.06,"end":1547.74,"sentiment":"neutral","sentiment_score":0.008297547807588297},{"text":"Yeah.","start":1547.74,"end":1548.24,"sentiment":"neutral","sentiment_score":0.021573342382907867}],"sentiment":"neutral","sentiment_score":-0.008515340462327003,"num_words":35,"start":1538.7001,"end":1548.24},{"sentences":[{"text":"Agree.","start":1548.3,"end":1548.8,"sentiment":"neutral","sentiment_score":0.033268172293901443},{"text":"So we own it.","start":1550.1051,"end":1550.8251,"sentiment":"neutral","sentiment_score":0.07056804560124874},{"text":"When it says ours, it's in the will that it's ours.","start":1550.8251,"end":1553.145,"sentiment":"neutral","sentiment_score":0.09669396619905125},{"text":"It's it's yeah.","start":1553.145,"end":1554.125,"sentiment":"neutral","sentiment_score":0.058055328826109566},{"text":"No.","start":1564.985,"end":1565.22,"sentiment":"neutral","sentiment_score":-0.003095762804150582}],"sentiment":"neutral","sentiment_score":0.07751221032813191,"num_words":20,"start":1548.3,"end":1565.22},{"sentences":[{"text":"Rent free.","start":1566.1,"end":1566.82,"sentiment":"neutral","sentiment_score":0.07365278899669647},{"text":"Rent free to us.","start":1566.82,"end":1567.62,"sentiment":"neutral","sentiment_score":0.27074576541781425},{"text":"Yeah.","start":1567.62,"end":1567.94,"sentiment":"neutral","sentiment_score":0.14778226613998413},{"text":"Yes.","start":1567.94,"end":1568.26,"sentiment":"neutral","sentiment_score":0.12240670621395112},{"text":"Just just just an asset appreciating slowly.","start":1568.26,"end":1571.24,"sentiment":"neutral","sentiment_score":0.16279739141464233}],"sentiment":"neutral","sentiment_score":0.17600395679473876,"num_words":15,"start":1566.1,"end":1571.24},{"sentences":[{"text":"Yeah.","start":1571.38,"end":1571.88,"sentiment":"positive","sentiment_score":0.5094544291496277},{"text":"Yes.","start":1584.195,"end":1584.695,"sentiment":"neutral","sentiment_score":0.030421346426010132},{"text":"Yep.","start":1588.2749,"end":1588.7749,"sentiment":"neutral","sentiment_score":0.014921434223651886},{"text":"Yep.","start":1589.075,"end":1589.475,"sentiment":"neutral","sentiment_score":0.02184019610285759},{"text":"Yep.","start":1589.475,"end":1589.875,"sentiment":"neutral","sentiment_score":0.02888760343194008}],"sentiment":"neutral","sentiment_score":0.12110500186681747,"num_words":5,"start":1571.38,"end":1589.875},{"sentences":[{"text":"That's still happening.","start":1589.875,"end":1590.7749,"sentiment":"neutral","sentiment_score":0.04444078169763088},{"text":"I think it's up to 80,000 there.","start":1595.73,"end":1597.6499,"sentiment":"neutral","sentiment_score":0.016901161787765368},{"text":"83 eighty 3, was it?","start":1597.6499,"end":1599.57,"sentiment":"neutral","sentiment_score":0.004030984919518232},{"text":"Let's see.","start":1599.57,"end":1599.89,"sentiment":"neutral","sentiment_score":0.004839262459427118},{"text":"I was looking at the spreadsheet.","start":1599.89,"end":1601.09,"sentiment":"neutral","sentiment_score":-0.003318333920712272}],"sentiment":"neutral","sentiment_score":0.011371909721713999,"num_words":23,"start":1589.875,"end":1601.09},{"sentences":[{"text":"It should be in here somewhere.","start":1601.09,"end":1602.1499,"sentiment":"neutral","sentiment_score":0.012202042465408644},{"text":"Why is it not in there?","start":1606.37,"end":1607.505,"sentiment":"neutral","sentiment_score":-0.057019018878539406},{"text":"It's asking the person that created the spreadsheet.","start":1607.505,"end":1609.925,"sentiment":"neutral","sentiment_score":-0.030992123764008284},{"text":"That's the other spreadsheet, though.","start":1610.385,"end":1611.905,"sentiment":"neutral","sentiment_score":-0.015892482921481134},{"text":"Yeah.","start":1611.905,"end":1612.405,"sentiment":"neutral","sentiment_score":0.017718598246574402}],"sentiment":"neutral","sentiment_score":-0.02225317942121854,"num_words":26,"start":1601.09,"end":1612.405},{"sentences":[{"text":"That's the one where I said I'm working 50%.","start":1612.705,"end":1615.045,"sentiment":"neutral","sentiment_score":0.029247355543904834},{"text":"Yeah.","start":1615.265,"end":1615.585,"sentiment":"neutral","sentiment_score":0.1717061996459961},{"text":"That's a good one.","start":1615.585,"end":1616.465,"sentiment":"positive","sentiment_score":0.354704312980175},{"text":"That's a good one.","start":1616.465,"end":1617.365,"sentiment":"positive","sentiment_score":0.33960476517677307},{"text":"So what have we got there?","start":1620.7001,"end":1622.0801,"sentiment":"neutral","sentiment_score":0.0075303187283376856}],"sentiment":"neutral","sentiment_score":0.13572294268912324,"num_words":24,"start":1612.705,"end":1622.0801},{"sentences":[{"text":"There it is.","start":1622.62,"end":1626.54,"sentiment":"neutral","sentiment_score":-0.021960346028208733},{"text":"But you can't No.","start":1626.54,"end":1627.5,"sentiment":"neutral","sentiment_score":-0.0751107344403863},{"text":"You can't see it from an email.","start":1627.5,"end":1628.54,"sentiment":"neutral","sentiment_score":-0.16170511181865418},{"text":"You gotta log in.","start":1628.54,"end":1629.1001,"sentiment":"neutral","sentiment_score":-0.13021458871662617},{"text":"Oh.","start":1629.1001,"end":1629.3401,"sentiment":"neutral","sentiment_score":-0.07038474082946777}],"sentiment":"neutral","sentiment_score":-0.10997383443540648,"num_words":19,"start":1622.62,"end":1629.3401},{"sentences":[{"text":"So if you haven't got it written in a spreadsheet, you can't see it.","start":1629.3401,"end":1631.5,"sentiment":"neutral","sentiment_score":-0.07665545546582767},{"text":"And I'll put in the spreadsheet.","start":1631.5,"end":1640.5751,"sentiment":"neutral","sentiment_score":0.0035240066548188516},{"text":"It goes up a great rate or not.","start":1641.1151,"end":1642.635,"sentiment":"neutral","sentiment_score":0.11331683956086636},{"text":"So it's insane.","start":1642.635,"end":1643.6151,"sentiment":"neutral","sentiment_score":0.05610800782839457},{"text":"Because they match whatever I buy.","start":1643.8351,"end":1645.275,"sentiment":"neutral","sentiment_score":0.0563899635647734}],"sentiment":"neutral","sentiment_score":0.009761248236975155,"num_words":37,"start":1629.3401,"end":1645.275},{"sentences":[{"text":"They match every three like, in the rolling three year period.","start":1645.275,"end":1648.88,"sentiment":"neutral","sentiment_score":0.03297775543548844},{"text":"So so pretty pretty much 50% shares because yeah.","start":1648.88,"end":1653.8401,"sentiment":"neutral","sentiment_score":0.07299977023568419},{"text":"88,000.","start":1653.8401,"end":1654.74,"sentiment":"neutral","sentiment_score":0.017224501818418503},{"text":"Oh, you found it?","start":1654.9601,"end":1656.02,"sentiment":"neutral","sentiment_score":0.008432038594037294},{"text":"Eight eight no.","start":1656.24,"end":1657.7001,"sentiment":"neutral","sentiment_score":0.01112734836836656}],"sentiment":"neutral","sentiment_score":0.03943171225754278,"num_words":28,"start":1645.275,"end":1657.7001},{"sentences":[{"text":"Yep.","start":1658.0,"end":1658.175,"sentiment":"neutral","sentiment_score":0.011429022066295149},{"text":"Yeah.","start":1661.6951,"end":1661.935,"sentiment":"neutral","sentiment_score":0.002912155818194151},{"text":"That's where it's 80 thousand 703.","start":1661.935,"end":1664.175,"sentiment":"neutral","sentiment_score":0.0007638988608960062},{"text":"So 80,000, not 88.","start":1664.175,"end":1665.375,"sentiment":"neutral","sentiment_score":-0.00931010430213064},{"text":"Okay.","start":1665.375,"end":1665.6951,"sentiment":"neutral","sentiment_score":-0.008691463619470596}],"sentiment":"neutral","sentiment_score":-0.002077485367548294,"num_words":13,"start":1658.0,"end":1665.6951},{"sentences":[{"text":"Yeah.","start":1665.6951,"end":1666.1951,"sentiment":"neutral","sentiment_score":-0.03229698911309242},{"text":"Can't read the numbers where they aren't.","start":1666.255,"end":1668.8151,"sentiment":"neutral","sentiment_score":-0.061507757753133774},{"text":"80,000.","start":1668.8151,"end":1669.4551,"sentiment":"neutral","sentiment_score":-0.007993255741894245},{"text":"80,000.","start":1669.4551,"end":1670.115,"sentiment":"neutral","sentiment_score":-0.003048516809940338},{"text":"Well, let me look.","start":1671.3201,"end":1672.4601,"sentiment":"neutral","sentiment_score":-0.0013061435893177986}],"sentiment":"neutral","sentiment_score":-0.03422268859243819,"num_words":14,"start":1665.6951,"end":1672.4601},{"sentences":[{"text":"Yep.","start":1672.52,"end":1673.02,"sentiment":"neutral","sentiment_score":0.0012243750970810652},{"text":"Yep.","start":1674.04,"end":1674.54,"sentiment":"neutral","sentiment_score":0.040718115866184235},{"text":"It'll definitely go up.","start":1675.48,"end":1676.6,"sentiment":"neutral","sentiment_score":0.050072927959263325},{"text":"But, yeah, it's it's going.","start":1676.6,"end":1677.64,"sentiment":"neutral","sentiment_score":0.0716679073870182},{"text":"I can yeah.","start":1677.64,"end":1679.02,"sentiment":"neutral","sentiment_score":0.13386100778977075}],"sentiment":"neutral","sentiment_score":0.07158262593605157,"num_words":14,"start":1672.52,"end":1679.02},{"sentences":[{"text":"Yep.","start":1684.36,"end":1684.86,"sentiment":"neutral","sentiment_score":0.044033072888851166},{"text":"Just keep.","start":1684.92,"end":1685.8201,"sentiment":"neutral","sentiment_score":0.014129561372101307},{"text":"Yep.","start":1687.065,"end":1687.3049,"sentiment":"neutral","sentiment_score":0.03694101795554161},{"text":"Retirement.","start":1687.3049,"end":1687.8049,"sentiment":"neutral","sentiment_score":0.0280245840549469},{"text":"Yep.","start":1688.105,"end":1688.605,"sentiment":"neutral","sentiment_score":0.057033948600292206}],"sentiment":"neutral","sentiment_score":0.03238195770730575,"num_words":6,"start":1684.36,"end":1688.605},{"sentences":[{"text":"Because I'll keep growing and getting matched as long as I you know, if I work to 60, they'll keep matching them till I'm 60.","start":1688.665,"end":1694.985,"sentiment":"neutral","sentiment_score":0.11272027879953385},{"text":"So Yep.","start":1694.985,"end":1706.46,"sentiment":"neutral","sentiment_score":0.15392177551984787},{"text":"Yep.","start":1717.2351,"end":1717.7351,"sentiment":"neutral","sentiment_score":0.12129512429237366},{"text":"Yep.","start":1736.87,"end":1737.37,"sentiment":"neutral","sentiment_score":-0.07994204014539719},{"text":"Yeah.","start":1743.845,"end":1744.345,"sentiment":"neutral","sentiment_score":0.008343970403075218}],"sentiment":"neutral","sentiment_score":0.10585158585260311,"num_words":30,"start":1688.665,"end":1744.345},{"sentences":[{"text":"We'd probably sell it.","start":1749.205,"end":1750.125,"sentiment":"neutral","sentiment_score":-0.06462658196687698},{"text":"I think we'd sell it depending on, you know, what was going on with us.","start":1750.125,"end":1753.67,"sentiment":"neutral","sentiment_score":-0.03113319699962934},{"text":"If we were not well and had to downgrade at home, we'd just probably leave leave it and sell this one.","start":1753.67,"end":1758.15,"sentiment":"neutral","sentiment_score":-0.09771351906515303},{"text":"But I the intention at at this stage, if all is going good, we'll just sell it.","start":1758.15,"end":1762.41,"sentiment":"neutral","sentiment_score":0.018087993649875417},{"text":"Yeah.","start":1767.59,"end":1767.99,"sentiment":"neutral","sentiment_score":0.07516412436962128}],"sentiment":"neutral","sentiment_score":-0.0412901408071148,"num_words":58,"start":1749.205,"end":1767.99},{"sentences":[{"text":"Yeah.","start":1767.99,"end":1768.335,"sentiment":"neutral","sentiment_score":0.08395339548587799},{"text":"Most likely.","start":1768.4149,"end":1769.235,"sentiment":"neutral","sentiment_score":0.0908120647072792},{"text":"Exactly.","start":1773.7749,"end":1774.2749,"sentiment":"neutral","sentiment_score":0.312926322221756},{"text":"So to speak.","start":1774.575,"end":1775.475,"sentiment":"neutral","sentiment_score":0.09093915671110153},{"text":"But they are 70 my dad's 78, and my mom's 77.","start":1776.1749,"end":1780.6549,"sentiment":"neutral","sentiment_score":0.0731062287972732}],"sentiment":"neutral","sentiment_score":0.09197165744586124,"num_words":18,"start":1767.99,"end":1780.6549},{"sentences":[{"text":"So, you know yeah.","start":1780.6549,"end":1783.5299,"sentiment":"neutral","sentiment_score":0.01591363688930869},{"text":"No.","start":1809.53,"end":1809.77,"sentiment":"neutral","sentiment_score":-0.08844855427742004},{"text":"That they won't change ever.","start":1809.77,"end":1811.29,"sentiment":"neutral","sentiment_score":-0.07520228773355483},{"text":"It's everything goes to our daughter and me.","start":1811.29,"end":1813.87,"sentiment":"neutral","sentiment_score":-0.05090621975250542},{"text":"So me.","start":1814.1699,"end":1814.99,"sentiment":"neutral","sentiment_score":-0.01350110350176692}],"sentiment":"neutral","sentiment_score":-0.041752870520576836,"num_words":20,"start":1780.6549,"end":1814.99},{"sentences":[{"text":"So that will never change.","start":1815.0499,"end":1816.6699,"sentiment":"neutral","sentiment_score":-0.006873445212841034},{"text":"We only have one child.","start":1817.13,"end":1818.1699,"sentiment":"neutral","sentiment_score":0.2050445169210434},{"text":"It's easy.","start":1818.1699,"end":1818.91,"sentiment":"positive","sentiment_score":0.49766863882541656},{"text":"We made it so it was just, like, no matter what, it was just either me or Katie.","start":1827.505,"end":1832.385,"sentiment":"neutral","sentiment_score":0.2911221956213315},{"text":"So that was just yeah.","start":1832.385,"end":1833.985,"sentiment":"neutral","sentiment_score":0.2553298771381378}],"sentiment":"neutral","sentiment_score":0.24294404408761433,"num_words":35,"start":1815.0499,"end":1833.985},{"sentences":[{"text":"Didn't have to change it later, and she could look after any distribution.","start":1833.985,"end":1836.965,"sentiment":"neutral","sentiment_score":0.12315915639583881},{"text":"She's 28.","start":1846.55,"end":1847.93,"sentiment":"neutral","sentiment_score":0.015451631508767603},{"text":"No.","start":1854.475,"end":1854.7949,"sentiment":"neutral","sentiment_score":-0.022344740107655525},{"text":"She's she's fully depend yeah.","start":1854.7949,"end":1856.5549,"sentiment":"neutral","sentiment_score":0.015260010771453381},{"text":"Independent herself.","start":1856.5549,"end":1857.7749,"sentiment":"neutral","sentiment_score":0.03623731806874275}],"sentiment":"neutral","sentiment_score":0.07645227156741463,"num_words":23,"start":1833.985,"end":1857.7749},{"sentences":[{"text":"She's got a husband and and a grand and given us a grandchild and yeah.","start":1858.075,"end":1865.0549,"sentiment":"neutral","sentiment_score":0.12474768087267876},{"text":"We're afraid.","start":1866.89,"end":1867.63,"sentiment":"neutral","sentiment_score":-0.013946740422397852},{"text":"Oh, boy.","start":1868.57,"end":1869.23,"sentiment":"neutral","sentiment_score":-0.035426752641797066},{"text":"Oh.","start":1877.21,"end":1877.71,"sentiment":"neutral","sentiment_score":-0.01831590011715889},{"text":"Yeah.","start":1888.095,"end":1888.595,"sentiment":"neutral","sentiment_score":0.03713614121079445}],"sentiment":"neutral","sentiment_score":0.08529945085978224,"num_words":21,"start":1858.075,"end":1888.595},{"sentences":[{"text":"Very, very different vibe.","start":1889.775,"end":1891.3151,"sentiment":"neutral","sentiment_score":0.07457571476697922},{"text":"It's way more fun than being a parent.","start":1902.13,"end":1904.3099,"sentiment":"neutral","sentiment_score":0.27411575242877007},{"text":"Way more fun.","start":1904.69,"end":1905.73,"sentiment":"positive","sentiment_score":0.4963318109512329},{"text":"It's way better.","start":1905.73,"end":1906.87,"sentiment":"positive","sentiment_score":0.5154688954353333},{"text":"Yeah.","start":1907.0099,"end":1907.385,"sentiment":"neutral","sentiment_score":0.19649693369865415}],"sentiment":"neutral","sentiment_score":0.3012172595450753,"num_words":19,"start":1889.775,"end":1907.385},{"sentences":[{"text":"It's it's way better.","start":1907.465,"end":1908.925,"sentiment":"neutral","sentiment_score":0.1646082904189825},{"text":"Yes.","start":1909.9451,"end":1910.4451,"sentiment":"neutral","sentiment_score":0.20704619586467743},{"text":"You get to just you don't have to be the the rule enforcer or any of that.","start":1910.505,"end":1915.625,"sentiment":"neutral","sentiment_score":0.2216585892088273},{"text":"You get to give them back, and you get all the love.","start":1915.625,"end":1918.045,"sentiment":"positive","sentiment_score":0.4073664918541908},{"text":"Yep.","start":1922.35,"end":1922.85,"sentiment":"neutral","sentiment_score":0.1307651698589325}],"sentiment":"neutral","sentiment_score":0.27579538417713984,"num_words":35,"start":1907.465,"end":1922.85},{"sentences":[{"text":"Exactly.","start":1923.31,"end":1923.81,"sentiment":"neutral","sentiment_score":0.26426827907562256},{"text":"Yes.","start":1938.3551,"end":1938.8551,"sentiment":"neutral","sentiment_score":0.07538539171218872},{"text":"Yeah.","start":1946.995,"end":1947.495,"sentiment":"neutral","sentiment_score":0.03620852157473564},{"text":"Yeah.","start":1954.0,"end":1954.5,"sentiment":"neutral","sentiment_score":0.07375387847423553},{"text":"Yep.","start":1955.2001,"end":1955.7001,"sentiment":"neutral","sentiment_score":0.047286488115787506}],"sentiment":"neutral","sentiment_score":0.09938051179051399,"num_words":5,"start":1923.31,"end":1955.7001},{"sentences":[{"text":"Yep.","start":1960.16,"end":1960.66,"sentiment":"neutral","sentiment_score":0.0187610387802124},{"text":"And looking at least at super two to see if it's worth air moving to HubBook 24 or leaving where it is or all of that.","start":1960.8,"end":1966.9651,"sentiment":"neutral","sentiment_score":0.00864238260916094},{"text":"Yeah.","start":1967.265,"end":1967.765,"sentiment":"neutral","sentiment_score":0.04747997224330902},{"text":"Yep.","start":1967.9851,"end":1968.4851,"sentiment":"neutral","sentiment_score":0.1246904879808426},{"text":"Yes.","start":1981.79,"end":1982.29,"sentiment":"neutral","sentiment_score":0.12263189256191254}],"sentiment":"neutral","sentiment_score":0.0179421779801487,"num_words":30,"start":1960.16,"end":1982.29},{"sentences":[{"text":"Vice versa.","start":1984.67,"end":1985.4901,"sentiment":"neutral","sentiment_score":0.1351507306098938},{"text":"Yep.","start":1986.1901,"end":1986.6901,"sentiment":"neutral","sentiment_score":0.049419842660427094},{"text":"No.","start":1989.15,"end":1989.4701,"sentiment":"neutral","sentiment_score":-0.02435896545648575},{"text":"That's that's good.","start":1989.4701,"end":1990.6101,"sentiment":"neutral","sentiment_score":0.12626390407482782},{"text":"Yep.","start":2000.845,"end":2001.345,"sentiment":"neutral","sentiment_score":0.16990599036216736}],"sentiment":"neutral","sentiment_score":0.10550750512629747,"num_words":8,"start":1984.67,"end":2001.345},{"sentences":[{"text":"Yeah.","start":2014.7101,"end":2015.2101,"sentiment":"neutral","sentiment_score":0.04777328297495842},{"text":"Yeah.","start":2022.365,"end":2022.865,"sentiment":"neutral","sentiment_score":0.13896092772483826},{"text":"Yeah.","start":2031.725,"end":2032.225,"sentiment":"neutral","sentiment_score":0.1713719666004181},{"text":"Yeah.","start":2032.285,"end":2032.785,"sentiment":"neutral","sentiment_score":0.1731187105178833},{"text":"Yep.","start":2046.7,"end":2046.78,"sentiment":"neutral","sentiment_score":0.2786521017551422}],"sentiment":"neutral","sentiment_score":0.16197539791464804,"num_words":5,"start":2014.7101,"end":2046.78},{"sentences":[{"text":"Yep.","start":2046.78,"end":2047.28,"sentiment":"neutral","sentiment_score":0.2765679955482483},{"text":"Yes.","start":2054.075,"end":2054.4749,"sentiment":"neutral","sentiment_score":0.19101782143115997},{"text":"Yep.","start":2054.4749,"end":2054.795,"sentiment":"neutral","sentiment_score":0.19175708293914795},{"text":"Definitely.","start":2054.795,"end":2055.295,"sentiment":"neutral","sentiment_score":0.28453490138053894},{"text":"Yes.","start":2083.2449,"end":2083.4849,"sentiment":"neutral","sentiment_score":0.08464431017637253}],"sentiment":"neutral","sentiment_score":0.20570442229509353,"num_words":5,"start":2046.78,"end":2083.4849},{"sentences":[{"text":"Fine.","start":2083.4849,"end":2083.805,"sentiment":"neutral","sentiment_score":0.15554144978523254},{"text":"Yeah.","start":2083.805,"end":2084.305,"sentiment":"neutral","sentiment_score":0.15523725748062134},{"text":"Yep.","start":2085.4849,"end":2085.8848,"sentiment":"neutral","sentiment_score":0.20160946249961853},{"text":"That'd be good.","start":2085.8848,"end":2086.865,"sentiment":"positive","sentiment_score":0.4008178512255351},{"text":"Yes, please.","start":2105.7698,"end":2106.67,"sentiment":"neutral","sentiment_score":0.1487208902835846}],"sentiment":"neutral","sentiment_score":0.25153543800115585,"num_words":8,"start":2083.4849,"end":2106.67},{"sentences":[{"text":"Cool.","start":2125.9949,"end":2126.4949,"sentiment":"positive","sentiment_score":0.5159696936607361},{"text":"Yeah.","start":2141.15,"end":2141.65,"sentiment":"neutral","sentiment_score":0.010726351290941238},{"text":"Yes.","start":2147.1948,"end":2147.6948,"sentiment":"neutral","sentiment_score":0.08783210813999176},{"text":"Yes.","start":2181.355,"end":2181.66,"sentiment":"neutral","sentiment_score":0.29026976227760315},{"text":"No worries.","start":2209.8,"end":2210.54,"sentiment":"neutral","sentiment_score":0.039283234160393476}],"sentiment":"neutral","sentiment_score":0.1638940639483432,"num_words":6,"start":2125.9949,"end":2210.54},{"sentences":[{"text":"Yep.","start":2263.53,"end":2264.03,"sentiment":"neutral","sentiment_score":-0.007456546183675528},{"text":"Yep.","start":2269.45,"end":2269.95,"sentiment":"neutral","sentiment_score":0.03555775061249733},{"text":"Yep.","start":2274.01,"end":2274.51,"sentiment":"neutral","sentiment_score":0.0634634718298912},{"text":"Yeah.","start":2275.1301,"end":2275.53,"sentiment":"neutral","sentiment_score":-0.021536968648433685},{"text":"Not at all.","start":2275.53,"end":2276.4302,"sentiment":"neutral","sentiment_score":-0.10206264009078343}],"sentiment":"neutral","sentiment_score":-0.03373717323743871,"num_words":7,"start":2263.53,"end":2276.4302},{"sentences":[{"text":"That's okay.","start":2279.505,"end":2280.245,"sentiment":"positive","sentiment_score":0.40056318044662476},{"text":"Yeah.","start":2316.0352,"end":2316.5352,"sentiment":"positive","sentiment_score":0.3814139664173126},{"text":"I'm I'm still happy to keep it.","start":2330.705,"end":2345.425,"sentiment":"neutral","sentiment_score":0.2834737130573818},{"text":"Yes.","start":2345.425,"end":2345.825,"sentiment":"neutral","sentiment_score":0.12522071599960327},{"text":"Yeah.","start":2345.825,"end":2346.24,"sentiment":"neutral","sentiment_score":0.1168270856142044}],"sentiment":"neutral","sentiment_score":0.2840753433605035,"num_words":12,"start":2279.505,"end":2346.24},{"sentences":[{"text":"Yep.","start":2347.6,"end":2348.1,"sentiment":"neutral","sentiment_score":0.2465488612651825},{"text":"No.","start":2372.6948,"end":2373.015,"sentiment":"neutral","sentiment_score":-0.037848420441150665},{"text":"There shouldn't be.","start":2373.015,"end":2373.96,"sentiment":"neutral","sentiment_score":-0.08518979698419571},{"text":"Yep.","start":2386.92,"end":2387.42,"sentiment":"neutral","sentiment_score":0.019830845296382904},{"text":"Do I have trauma in mind?","start":2425.815,"end":2427.7349,"sentiment":"neutral","sentiment_score":-0.03301340062171221}],"sentiment":"neutral","sentiment_score":-0.018759875713537138,"num_words":12,"start":2347.6,"end":2427.7349},{"sentences":[{"text":"Or Oh, no.","start":2427.7349,"end":2432.28,"sentiment":"neutral","sentiment_score":-0.03656231860319773},{"text":"Yeah.","start":2432.52,"end":2433.02,"sentiment":"neutral","sentiment_score":-0.018840353935956955},{"text":"Yep.","start":2439.48,"end":2439.98,"sentiment":"neutral","sentiment_score":0.006502635311335325},{"text":"Yeah.","start":2442.44,"end":2442.92,"sentiment":"neutral","sentiment_score":0.00672901701182127},{"text":"Yeah.","start":2442.92,"end":2443.32,"sentiment":"neutral","sentiment_score":0.003727413713932038}],"sentiment":"neutral","sentiment_score":-0.01593832052978022,"num_words":7,"start":2427.7349,"end":2443.32},{"sentences":[{"text":"Yeah.","start":2443.32,"end":2443.72,"sentiment":"neutral","sentiment_score":-0.0056107500568032265},{"text":"Need compensation.","start":2443.72,"end":2444.46,"sentiment":"neutral","sentiment_score":-0.03440973162651062},{"text":"That's the one I got.","start":2444.52,"end":2445.32,"sentiment":"neutral","sentiment_score":0.00561392493546009},{"text":"Yeah.","start":2445.32,"end":2445.72,"sentiment":"neutral","sentiment_score":0.01971728727221489},{"text":"Yeah.","start":2445.72,"end":2446.22,"sentiment":"neutral","sentiment_score":0.025525301694869995}],"sentiment":"neutral","sentiment_score":-0.00011179996654391289,"num_words":10,"start":2443.32,"end":2446.22},{"sentences":[{"text":"Yep.","start":2453.775,"end":2454.275,"sentiment":"neutral","sentiment_score":0.06907853484153748},{"text":"Yeah.","start":2458.4949,"end":2458.815,"sentiment":"neutral","sentiment_score":0.07380769401788712},{"text":"No.","start":2458.815,"end":2458.9749,"sentiment":"neutral","sentiment_score":0.0328608863055706},{"text":"That's good.","start":2458.9749,"end":2459.4548,"sentiment":"neutral","sentiment_score":0.17540258914232254},{"text":"Yeah.","start":2459.4548,"end":2459.6948,"sentiment":"neutral","sentiment_score":0.012322120368480682}],"sentiment":"neutral","sentiment_score":0.08981240230302016,"num_words":6,"start":2453.775,"end":2459.6948},{"sentences":[{"text":"No.","start":2459.6948,"end":2459.855,"sentiment":"neutral","sentiment_score":-0.052372969686985016},{"text":"I don't think we either of us what do you reckon you don't need?","start":2459.855,"end":2462.335,"sentiment":"neutral","sentiment_score":-0.08511279097625188},{"text":"No.","start":2462.335,"end":2462.61,"sentiment":"neutral","sentiment_score":-0.11552807688713074},{"text":"No.","start":2462.6902,"end":2462.9302,"sentiment":"neutral","sentiment_score":-0.10748956352472304},{"text":"We don't need trauma.","start":2462.9302,"end":2463.99,"sentiment":"neutral","sentiment_score":-0.12841615453362465}],"sentiment":"neutral","sentiment_score":-0.09431591913813636,"num_words":21,"start":2459.6948,"end":2463.99},{"sentences":[{"text":"Yep.","start":2471.25,"end":2471.75,"sentiment":"neutral","sentiment_score":0.013975429348647594},{"text":"Oh, yeah.","start":2471.8901,"end":2472.79,"sentiment":"neutral","sentiment_score":0.0022095320746302605},{"text":"Yes.","start":2483.245,"end":2483.645,"sentiment":"neutral","sentiment_score":0.1297331005334854},{"text":"Yep.","start":2483.645,"end":2483.965,"sentiment":"neutral","sentiment_score":0.19498276710510257},{"text":"That'll save us some money.","start":2483.965,"end":2485.085,"sentiment":"positive","sentiment_score":0.3838105797767639}],"sentiment":"neutral","sentiment_score":0.22621632600203156,"num_words":10,"start":2471.25,"end":2485.085},{"sentences":[{"text":"So Yeah.","start":2485.085,"end":2504.0898,"sentiment":"neutral","sentiment_score":0.10990273114293814},{"text":"Yep.","start":2528.32,"end":2528.6401,"sentiment":"neutral","sentiment_score":0.056740835309028625},{"text":"Yep.","start":2528.6401,"end":2529.1401,"sentiment":"neutral","sentiment_score":0.05284815654158592},{"text":"Well, overpaying.","start":2532.575,"end":2536.355,"sentiment":"neutral","sentiment_score":0.0073364898562431335},{"text":"Well, even needs 525 in cover.","start":2538.015,"end":2540.515,"sentiment":"neutral","sentiment_score":0.015295367998381456}],"sentiment":"neutral","sentiment_score":0.03631997015327215,"num_words":12,"start":2485.085,"end":2540.515},{"sentences":[{"text":"Okay.","start":2541.695,"end":2541.935,"sentiment":"neutral","sentiment_score":0.01741117611527443},{"text":"Yeah.","start":2541.935,"end":2542.175,"sentiment":"neutral","sentiment_score":0.011556347832083702},{"text":"Like, that's yeah.","start":2542.175,"end":2543.79,"sentiment":"neutral","sentiment_score":0.01424537350734075},{"text":"Because that's that was when we had a pretty big home loan.","start":2543.79,"end":2545.87,"sentiment":"neutral","sentiment_score":-0.008893313080382844},{"text":"I just wanted to make sure Lisa was right.","start":2545.87,"end":2547.6301,"sentiment":"neutral","sentiment_score":0.017086052232318454}],"sentiment":"neutral","sentiment_score":0.004567629138294321,"num_words":26,"start":2541.695,"end":2547.6301},{"sentences":[{"text":"But We may not even know by the time.","start":2547.6301,"end":2551.1501,"sentiment":"neutral","sentiment_score":-0.03369003513620959},{"text":"So we could probably drop that into a just so she gets something.","start":2551.1501,"end":2554.11,"sentiment":"neutral","sentiment_score":-0.023369331772510823},{"text":"But Yep.","start":2554.11,"end":2577.0,"sentiment":"neutral","sentiment_score":0.0914082732051611},{"text":"Yeah.","start":2577.0,"end":2577.32,"sentiment":"neutral","sentiment_score":0.12326471507549286},{"text":"Possibly about 50 to 100.","start":2577.32,"end":2578.9402,"sentiment":"neutral","sentiment_score":0.10216564536094666}],"sentiment":"neutral","sentiment_score":0.006996595300734043,"num_words":30,"start":2547.6301,"end":2578.9402},{"sentences":[{"text":"Yes.","start":2593.7349,"end":2594.135,"sentiment":"neutral","sentiment_score":-0.0009723976254463196},{"text":"So it's just gonna be out of that pretty much.","start":2594.135,"end":2595.815,"sentiment":"neutral","sentiment_score":-0.04229069519788027},{"text":"Yeah.","start":2595.815,"end":2596.315,"sentiment":"neutral","sentiment_score":0.014356855303049088},{"text":"So, yeah, it could probably be a lot more.","start":2596.4001,"end":2600.3801,"sentiment":"neutral","sentiment_score":-0.014306555605596967},{"text":"Yes.","start":2602.32,"end":2602.56,"sentiment":"neutral","sentiment_score":0.01990436390042305}],"sentiment":"neutral","sentiment_score":-0.023562596856870434,"num_words":22,"start":2593.7349,"end":2602.56},{"sentences":[{"text":"It might that might pay to drop that once we know what we're we're in for.","start":2602.56,"end":2606.34,"sentiment":"neutral","sentiment_score":-0.003366587101481855},{"text":"Yeah.","start":2608.96,"end":2609.46,"sentiment":"neutral","sentiment_score":0.26749226450920105},{"text":"Yeah.","start":2625.7,"end":2626.2,"sentiment":"neutral","sentiment_score":0.04335526376962662},{"text":"Yeah.","start":2630.0999,"end":2630.5999,"sentiment":"neutral","sentiment_score":0.061192162334918976},{"text":"Yeah.","start":2637.7798,"end":2638.2798,"sentiment":"neutral","sentiment_score":0.01295520644634962}],"sentiment":"neutral","sentiment_score":0.01655647517181933,"num_words":20,"start":2602.56,"end":2638.2798},{"sentences":[{"text":"Yeah.","start":2639.085,"end":2639.585,"sentiment":"neutral","sentiment_score":0.01370152086019516},{"text":"Yeah.","start":2647.085,"end":2647.585,"sentiment":"neutral","sentiment_score":0.09572472423315048},{"text":"Yep.","start":2662.83,"end":2663.33,"sentiment":"neutral","sentiment_score":0.24068063497543335},{"text":"That's for that insurance.","start":2671.295,"end":2672.575,"sentiment":"neutral","sentiment_score":0.07718455512076616},{"text":"Yeah.","start":2672.575,"end":2673.075,"sentiment":"neutral","sentiment_score":0.0846148431301117}],"sentiment":"neutral","sentiment_score":0.09293249296024442,"num_words":8,"start":2639.085,"end":2673.075},{"sentences":[{"text":"No.","start":2683.3499,"end":2683.59,"sentiment":"negative","sentiment_score":-0.651664137840271},{"text":"We could probably suck your cake.","start":2683.59,"end":2686.47,"sentiment":"negative","sentiment_score":-0.6977506081263224},{"text":"What do you want?","start":2686.47,"end":2687.29,"sentiment":"negative","sentiment_score":-0.3984384834766388},{"text":"K.","start":2687.3499,"end":2687.8499,"sentiment":"neutral","sentiment_score":-0.17946183681488037},{"text":"Not for you because this is if I'm gone, is that enough for you to live off?","start":2688.07,"end":2691.93,"sentiment":"negative","sentiment_score":-0.39417731761932373}],"sentiment":"negative","sentiment_score":-0.45904820540855673,"num_words":29,"start":2683.3499,"end":2691.93},{"sentences":[{"text":"I feel gone.","start":2692.23,"end":2692.8699,"sentiment":"negative","sentiment_score":-0.5080084602038065},{"text":"I don't need as much to live off.","start":2692.8699,"end":2694.23,"sentiment":"negative","sentiment_score":-0.449663870036602},{"text":"Can you leave more extravagant than me?","start":2694.23,"end":2696.885,"sentiment":"negative","sentiment_score":-0.35149999601500376},{"text":"Sorry.","start":2698.385,"end":2698.705,"sentiment":"neutral","sentiment_score":-0.17825262248516083},{"text":"We can probably because because that'll make the Some are basics.","start":2698.705,"end":2702.485,"sentiment":"neutral","sentiment_score":-0.06195728006688031}],"sentiment":"neutral","sentiment_score":-0.2813873005410035,"num_words":30,"start":2692.23,"end":2702.485},{"sentences":[{"text":"So if we drop that, that means that the soup is gonna grow quicker, isn't it?","start":2702.705,"end":2707.125,"sentiment":"neutral","sentiment_score":-0.06136901141144335},{"text":"Yeah.","start":2707.185,"end":2707.685,"sentiment":"neutral","sentiment_score":0.06250382959842682},{"text":"Yep.","start":2709.1,"end":2709.6,"sentiment":"neutral","sentiment_score":0.14652019739151},{"text":"Yeah.","start":2720.86,"end":2721.36,"sentiment":"neutral","sentiment_score":0.1379469335079193},{"text":"Yep.","start":2736.8352,"end":2737.3352,"sentiment":"neutral","sentiment_score":0.10929688811302184}],"sentiment":"neutral","sentiment_score":-0.026281816698610783,"num_words":20,"start":2702.705,"end":2737.3352},{"sentences":[{"text":"Yep.","start":2745.23,"end":2745.63,"sentiment":"neutral","sentiment_score":0.04127205908298493},{"text":"That sounds good.","start":2745.63,"end":2746.69,"sentiment":"neutral","sentiment_score":0.10539791484673817},{"text":"Yep.","start":2747.79,"end":2748.29,"sentiment":"neutral","sentiment_score":0.0662831962108612},{"text":"Yep.","start":2771.5798,"end":2772.0798,"sentiment":"neutral","sentiment_score":0.15986797213554382},{"text":"Yep.","start":2823.0598,"end":2823.5598,"sentiment":"neutral","sentiment_score":0.1996002495288849}],"sentiment":"neutral","sentiment_score":0.1118881744997842,"num_words":7,"start":2745.23,"end":2823.5598},{"sentences":[{"text":"Yep.","start":2824.9,"end":2825.4,"sentiment":"neutral","sentiment_score":0.1014733612537384},{"text":"I think we look at either halving it or getting rid of it altogether, like, maybe do the two scenarios because, you know, we're sitting pretty pretty well.","start":2826.26,"end":2834.795,"sentiment":"neutral","sentiment_score":0.05854360419990761},{"text":"So even Like, if it Like, if it makes a big impact on the If one of it passes, you know, everything the second car goes, the second bike goes, you know, everything can go because so I think yeah.","start":2834.795,"end":2849.52,"sentiment":"neutral","sentiment_score":-0.030384512105956673},{"text":"Look.","start":2849.52,"end":2849.8398,"sentiment":"neutral","sentiment_score":-0.025926675647497177},{"text":"It's yeah.","start":2849.8398,"end":2850.12,"sentiment":"neutral","sentiment_score":-0.059049710631370544}],"sentiment":"neutral","sentiment_score":0.005295662468092309,"num_words":72,"start":2824.9,"end":2850.12},{"sentences":[{"text":"I'm not sure you need it.","start":2850.12,"end":2851.3599,"sentiment":"neutral","sentiment_score":-0.16924647490183511},{"text":"Yeah.","start":2851.3599,"end":2851.8599,"sentiment":"neutral","sentiment_score":0.005725156515836716},{"text":"Yeah.","start":2852.0,"end":2852.3198,"sentiment":"neutral","sentiment_score":0.0441063717007637},{"text":"Maybe definitely definitely have it, but maybe and we'll see what it's worth.","start":2852.3198,"end":2856.4,"sentiment":"neutral","sentiment_score":0.18751676094073516},{"text":"But, you know, that's the way I look at it is all that money going into my super is only gonna help it grow quicker than Especially now you're going half.","start":2856.4,"end":2863.475,"sentiment":"neutral","sentiment_score":0.1696746202726518}],"sentiment":"neutral","sentiment_score":0.12946122691321832,"num_words":52,"start":2850.12,"end":2863.475},{"sentences":[{"text":"Yeah.","start":2863.615,"end":2863.855,"sentiment":"neutral","sentiment_score":0.0005362294614315033},{"text":"But I'm still paying I'm still paying extra.","start":2863.855,"end":2865.5352,"sentiment":"neutral","sentiment_score":-0.1541467122733593},{"text":"I'm still paying the full amount of super that I can every year.","start":2865.5352,"end":2867.935,"sentiment":"neutral","sentiment_score":-0.03901416407181667},{"text":"Yeah.","start":2867.935,"end":2868.435,"sentiment":"neutral","sentiment_score":-0.004239894449710846},{"text":"I'll just pull that out of my wage.","start":2868.895,"end":2870.5151,"sentiment":"neutral","sentiment_score":-0.028337034163996577}],"sentiment":"neutral","sentiment_score":-0.06357283127163688,"num_words":31,"start":2863.615,"end":2870.5151},{"sentences":[{"text":"Yep.","start":2875.78,"end":2876.1802,"sentiment":"neutral","sentiment_score":0.017342593520879745},{"text":"Yep.","start":2876.1802,"end":2876.6802,"sentiment":"neutral","sentiment_score":0.014688078314065931},{"text":"Yeah.","start":2884.98,"end":2885.22,"sentiment":"neutral","sentiment_score":0.025765858590602875},{"text":"Right.","start":2885.22,"end":2885.72,"sentiment":"neutral","sentiment_score":-0.00029749795794487},{"text":"Yeah.","start":2887.535,"end":2888.035,"sentiment":"neutral","sentiment_score":-0.03478145971894264}],"sentiment":"neutral","sentiment_score":0.004543514549732208,"num_words":5,"start":2875.78,"end":2888.035},{"sentences":[{"text":"Yep.","start":2891.1748,"end":2891.6748,"sentiment":"neutral","sentiment_score":-0.16809813678264618},{"text":"Yep.","start":2894.815,"end":2895.295,"sentiment":"neutral","sentiment_score":0.007689893245697021},{"text":"That sounds good.","start":2895.295,"end":2896.355,"sentiment":"neutral","sentiment_score":0.0805691530307134},{"text":"Yep.","start":2902.23,"end":2902.73,"sentiment":"neutral","sentiment_score":0.08488880097866058},{"text":"Yep.","start":2909.19,"end":2909.27,"sentiment":"neutral","sentiment_score":0.014775486662983894}],"sentiment":"neutral","sentiment_score":0.02585192902811936,"num_words":7,"start":2891.1748,"end":2909.27},{"sentences":[{"text":"Yep.","start":2909.27,"end":2909.77,"sentiment":"neutral","sentiment_score":0.08946719020605087},{"text":"That sounds great.","start":2909.83,"end":2910.97,"sentiment":"positive","sentiment_score":0.7281051476796468},{"text":"Yep.","start":2931.605,"end":2932.085,"sentiment":"neutral","sentiment_score":0.11252053827047348},{"text":"Cool.","start":2932.085,"end":2932.585,"sentiment":"neutral","sentiment_score":0.18009629845619202},{"text":"That sounds great.","start":2932.99,"end":2942.7002,"sentiment":"positive","sentiment_score":0.5217441121737162}],"sentiment":"positive","sentiment_score":0.45907020072142285,"num_words":9,"start":2909.27,"end":2942.7002},{"sentences":[{"text":"Yeah.","start":2953.125,"end":2953.625,"sentiment":"neutral","sentiment_score":0.2645622193813324},{"text":"Yeah.","start":2964.69,"end":2965.19,"sentiment":"neutral","sentiment_score":0.09728088974952698},{"text":"Yep.","start":2983.685,"end":2984.185,"sentiment":"neutral","sentiment_score":0.008619533851742744},{"text":"I've got I've got $5.17 $7.09 6 and 96¢ at the moment in my Brighter Super.","start":2992.1099,"end":3000.21,"sentiment":"neutral","sentiment_score":0.023949433987339338},{"text":"Yep.","start":3011.185,"end":3011.685,"sentiment":"neutral","sentiment_score":0.004751856904476881}],"sentiment":"neutral","sentiment_score":0.03865557945774574,"num_words":20,"start":2953.125,"end":3011.685},{"sentences":[{"text":"I'm just going in there now.","start":3011.905,"end":3013.8452,"sentiment":"neutral","sentiment_score":-0.016149370775868494},{"text":"These are the wonderful apps that are a little bit slow.","start":3014.465,"end":3017.0452,"sentiment":"neutral","sentiment_score":-0.17524519901384006},{"text":"So so one forty eight one one two and forty one cents.","start":3017.905,"end":3024.15,"sentiment":"neutral","sentiment_score":0.008450478470573822},{"text":"So that's on top of my $5.17, isn't it?","start":3033.205,"end":3036.025,"sentiment":"neutral","sentiment_score":0.13390295290284687},{"text":"Yeah.","start":3036.2449,"end":3036.7449,"sentiment":"neutral","sentiment_score":0.002326683606952429}],"sentiment":"neutral","sentiment_score":-0.018352164421230555,"num_words":39,"start":3011.905,"end":3036.7449},{"sentences":[{"text":"I keep thinking I have a small amount, and then I remember I've got two.","start":3036.9648,"end":3041.065,"sentiment":"neutral","sentiment_score":0.032953886625667415},{"text":"Yeah.","start":3049.8599,"end":3050.3599,"sentiment":"neutral","sentiment_score":-0.01969067007303238},{"text":"Yep.","start":3053.22,"end":3053.72,"sentiment":"neutral","sentiment_score":0.05370364338159561},{"text":"I pretty much have to keep that one there until I'm at least 55, it says.","start":3079.3,"end":3083.64,"sentiment":"neutral","sentiment_score":0.05722606589552015},{"text":"Otherwise, I lose, like, $20 out of that, which is not worth it.","start":3083.86,"end":3088.68,"sentiment":"neutral","sentiment_score":-0.15341159185537925}],"sentiment":"neutral","sentiment_score":-0.011965486241261597,"num_words":46,"start":3036.9648,"end":3088.68},{"sentences":[{"text":"Yep.","start":3094.025,"end":3094.525,"sentiment":"neutral","sentiment_score":-0.011549487709999084},{"text":"Yeah.","start":3111.7998,"end":3112.2998,"sentiment":"neutral","sentiment_score":0.17631837725639343},{"text":"Euros.","start":3122.2349,"end":3122.7349,"sentiment":"neutral","sentiment_score":0.09560081362724304},{"text":"Yep.","start":3122.795,"end":3123.295,"sentiment":"neutral","sentiment_score":0.13413825631141665},{"text":"Yep.","start":3124.075,"end":3124.575,"sentiment":"neutral","sentiment_score":0.20645400881767273}],"sentiment":"neutral","sentiment_score":0.12019239366054535,"num_words":5,"start":3094.025,"end":3124.575},{"sentences":[{"text":"Yep.","start":3134.17,"end":3134.67,"sentiment":"neutral","sentiment_score":0.01811050996184349},{"text":"We're just laughing at the young fella at the door trying to make his way in.","start":3175.595,"end":3178.815,"sentiment":"neutral","sentiment_score":-0.03605727927060798},{"text":"We've got the door closed?","start":3179.515,"end":3180.815,"sentiment":"neutral","sentiment_score":-0.09285402148962021},{"text":"Yeah.","start":3217.5498,"end":3218.0498,"sentiment":"neutral","sentiment_score":0.012428071349859238},{"text":"Yep.","start":3235.865,"end":3236.2651,"sentiment":"neutral","sentiment_score":0.19999751448631287}],"sentiment":"neutral","sentiment_score":-0.03377710333249221,"num_words":24,"start":3134.17,"end":3236.2651},{"sentences":[{"text":"Yep.","start":3236.2651,"end":3236.665,"sentiment":"neutral","sentiment_score":0.15941300988197327},{"text":"At link dot Same.","start":3236.665,"end":3240.125,"sentiment":"neutral","sentiment_score":0.12043588235974312},{"text":"Yeah.","start":3240.265,"end":3240.765,"sentiment":"neutral","sentiment_score":0.13426604866981506},{"text":"Yep.","start":3326.7751,"end":3327.15,"sentiment":"neutral","sentiment_score":-0.10140097141265868},{"text":"Yep.","start":3356.93,"end":3357.33,"sentiment":"neutral","sentiment_score":0.15014827251434326}],"sentiment":"neutral","sentiment_score":0.10302123613655567,"num_words":8,"start":3236.2651,"end":3357.33},{"sentences":[{"text":"Maybe maybe down the track as we get on, we might drop to a from a three to a two sort of thing, like, a slightly safer, but, yeah, we'd like to get the balance up too.","start":3357.33,"end":3365.73,"sentiment":"neutral","sentiment_score":0.1480019295940528},{"text":"Like, we'd like to get our balance up higher.","start":3365.73,"end":3367.725,"sentiment":"neutral","sentiment_score":0.22983603841728634},{"text":"So Yep.","start":3375.245,"end":3403.5552,"sentiment":"neutral","sentiment_score":0.09212122857570648},{"text":"Yep.","start":3403.5552,"end":3404.0552,"sentiment":"neutral","sentiment_score":0.06680392473936081},{"text":"No.","start":3411.78,"end":3412.28,"sentiment":"neutral","sentiment_score":-0.02779539674520493}],"sentiment":"neutral","sentiment_score":0.155356934517622,"num_words":50,"start":3357.33,"end":3412.28},{"sentences":[{"text":"Like, now we're happy for it to to grow and grow it as much as we can.","start":3414.98,"end":3418.44,"sentiment":"neutral","sentiment_score":0.1848534391645123},{"text":"Yeah.","start":3422.74,"end":3423.24,"sentiment":"neutral","sentiment_score":0.11587947607040404},{"text":"Yep.","start":3423.46,"end":3423.96,"sentiment":"neutral","sentiment_score":0.11990128457546234},{"text":"Yep.","start":3444.07,"end":3444.57,"sentiment":"neutral","sentiment_score":0.0674445778131485},{"text":"That's cool.","start":3453.67,"end":3454.31,"sentiment":"positive","sentiment_score":0.7599539160728455}],"sentiment":"neutral","sentiment_score":0.2257109834727916,"num_words":22,"start":3414.98,"end":3454.31},{"sentences":[{"text":"Yep.","start":3454.31,"end":3454.81,"sentiment":"neutral","sentiment_score":0.21169167757034305},{"text":"Off expenses.","start":3455.615,"end":3456.4348,"sentiment":"neutral","sentiment_score":0.07623395323753357},{"text":"Yep.","start":3461.4548,"end":3461.7048,"sentiment":"neutral","sentiment_score":0.12745459377765656},{"text":"Yep.","start":3461.7048,"end":3462.2048,"sentiment":"neutral","sentiment_score":0.12853607535362244},{"text":"Yes.","start":3472.17,"end":3472.49,"sentiment":"positive","sentiment_score":0.33661139011383057}],"sentiment":"neutral","sentiment_score":0.1594602738817533,"num_words":6,"start":3454.31,"end":3472.49},{"sentences":[{"text":"Cool.","start":3472.49,"end":3472.99,"sentiment":"positive","sentiment_score":0.4837556183338166},{"text":"Imagine what I'll do for you.","start":3473.37,"end":3474.41,"sentiment":"neutral","sentiment_score":0.3163258880376816},{"text":"Yeah.","start":3474.41,"end":3474.91,"sentiment":"neutral","sentiment_score":0.03260131552815437},{"text":"Yeah.","start":3479.69,"end":3480.17,"sentiment":"neutral","sentiment_score":0.03073333203792572},{"text":"Yep.","start":3480.17,"end":3480.67,"sentiment":"neutral","sentiment_score":0.050258781760931015}],"sentiment":"neutral","sentiment_score":0.2495304375886917,"num_words":10,"start":3472.49,"end":3480.67},{"sentences":[{"text":"Yep.","start":3492.505,"end":3493.005,"sentiment":"neutral","sentiment_score":0.10172632336616516},{"text":"Cool.","start":3510.01,"end":3510.51,"sentiment":"positive","sentiment_score":0.4876832365989685},{"text":"It's just looking like it is.","start":3526.175,"end":3527.64,"sentiment":"neutral","sentiment_score":0.12303764000535011},{"text":"Yes.","start":3534.2,"end":3534.68,"sentiment":"neutral","sentiment_score":0.012914213351905346},{"text":"Yep.","start":3534.68,"end":3535.18,"sentiment":"neutral","sentiment_score":0.009090938605368136}],"sentiment":"neutral","sentiment_score":0.1349640551954508,"num_words":10,"start":3492.505,"end":3535.18},{"sentences":[{"text":"I'll I'll yeah.","start":3536.5999,"end":3537.48,"sentiment":"neutral","sentiment_score":0.1165083001057307},{"text":"I'll make whatever the maximum you can use, I think, every year.","start":3537.48,"end":3540.825,"sentiment":"neutral","sentiment_score":0.10128892647723357},{"text":"So that way, it doesn't my that way cutting back half time doesn't really affect the super Awesome.","start":3540.825,"end":3546.705,"sentiment":"neutral","sentiment_score":0.09372013227807151},{"text":"Is what I Hasn't it?","start":3546.905,"end":3547.865,"sentiment":"neutral","sentiment_score":0.013281058147549629},{"text":"Yeah.","start":3547.865,"end":3548.365,"sentiment":"neutral","sentiment_score":0.06458675861358643}],"sentiment":"neutral","sentiment_score":0.08674221662565684,"num_words":39,"start":3536.5999,"end":3548.365},{"sentences":[{"text":"What's the what what's what's easier?","start":3558.0,"end":3560.02,"sentiment":"neutral","sentiment_score":0.0022648431671162448},{"text":"What's better?","start":3560.7998,"end":3561.7,"sentiment":"neutral","sentiment_score":0.02334613259881735},{"text":"In more often.","start":3566.3198,"end":3567.3599,"sentiment":"neutral","sentiment_score":0.03183907518784205},{"text":"Yep.","start":3567.3599,"end":3567.76,"sentiment":"neutral","sentiment_score":0.09038686007261276},{"text":"That's true.","start":3567.76,"end":3568.3198,"sentiment":"neutral","sentiment_score":0.143473818898201}],"sentiment":"neutral","sentiment_score":0.03808093197377665,"num_words":14,"start":3558.0,"end":3568.3198},{"sentences":[{"text":"Yep.","start":3568.3198,"end":3568.64,"sentiment":"neutral","sentiment_score":0.13591831922531128},{"text":"That's yep.","start":3568.64,"end":3569.7551,"sentiment":"neutral","sentiment_score":0.10903137177228928},{"text":"Yep.","start":3574.455,"end":3574.955,"sentiment":"neutral","sentiment_score":0.16608212888240814},{"text":"Yep.","start":3576.615,"end":3576.935,"sentiment":"neutral","sentiment_score":0.10233829915523528},{"text":"Because that way, then when I get on my bench, when I get on my bank, that's sort of good.","start":3576.935,"end":3580.395,"sentiment":"neutral","sentiment_score":0.16999038867652416}],"sentiment":"neutral","sentiment_score":0.16088837057352065,"num_words":25,"start":3568.3198,"end":3580.395},{"sentences":[{"text":"Yep.","start":3592.3801,"end":3592.8801,"sentiment":"neutral","sentiment_score":0.003007862251251936},{"text":"So you don't go over?","start":3593.1,"end":3594.225,"sentiment":"neutral","sentiment_score":-0.006573739275336265},{"text":"Yep.","start":3595.105,"end":3595.605,"sentiment":"neutral","sentiment_score":0.0885629653930664},{"text":"Yep.","start":3599.665,"end":3600.165,"sentiment":"neutral","sentiment_score":0.1993865817785263},{"text":"Yep.","start":3610.6,"end":3611.1,"sentiment":"neutral","sentiment_score":0.08300270885229111}],"sentiment":"neutral","sentiment_score":0.03789904687760605,"num_words":9,"start":3592.3801,"end":3611.1},{"sentences":[{"text":"Yeah.","start":3621.345,"end":3621.845,"sentiment":"neutral","sentiment_score":0.1608206331729889},{"text":"Yeah.","start":3625.345,"end":3625.665,"sentiment":"neutral","sentiment_score":0.1113024726510048},{"text":"That's fine.","start":3625.665,"end":3626.4849,"sentiment":"neutral","sentiment_score":0.19231325387954712},{"text":"Yeah.","start":3635.75,"end":3636.25,"sentiment":"neutral","sentiment_score":0.06465259939432144},{"text":"Yep.","start":3642.15,"end":3642.65,"sentiment":"neutral","sentiment_score":0.11177647113800047}],"sentiment":"neutral","sentiment_score":0.13886311401923498,"num_words":6,"start":3621.345,"end":3642.65},{"sentences":[{"text":"Yes.","start":3646.31,"end":3646.79,"sentiment":"neutral","sentiment_score":0.10802267491817474},{"text":"Yes.","start":3646.79,"end":3647.19,"sentiment":"neutral","sentiment_score":0.12684039771556854},{"text":"Yep.","start":3647.19,"end":3647.43,"sentiment":"neutral","sentiment_score":0.155398890376091},{"text":"So pretty much to be in the same position as Scott.","start":3647.43,"end":3649.575,"sentiment":"neutral","sentiment_score":0.2025076381184838},{"text":"So yeah.","start":3649.655,"end":3650.375,"sentiment":"neutral","sentiment_score":0.14100714027881622}],"sentiment":"neutral","sentiment_score":0.18124126642942429,"num_words":16,"start":3646.31,"end":3650.375},{"sentences":[{"text":"Yes.","start":3650.375,"end":3650.855,"sentiment":"neutral","sentiment_score":0.09135979413986206},{"text":"Salary sacrificing as well and making sure we can still live.","start":3650.855,"end":3653.915,"sentiment":"neutral","sentiment_score":0.026195693761110306},{"text":"It's not all whip her and make her work till she's 50.","start":3654.375,"end":3657.275,"sentiment":"neutral","sentiment_score":0.08117823271701734},{"text":"Yep.","start":3679.9648,"end":3680.4648,"sentiment":"neutral","sentiment_score":0.04481428489089012},{"text":"Yep.","start":3691.165,"end":3691.665,"sentiment":"neutral","sentiment_score":0.025033369660377502}],"sentiment":"neutral","sentiment_score":0.05474995664105965,"num_words":26,"start":3650.375,"end":3691.665},{"sentences":[{"text":"No.","start":3721.055,"end":3721.295,"sentiment":"neutral","sentiment_score":-0.04491013288497925},{"text":"That's good.","start":3721.295,"end":3722.01,"sentiment":"neutral","sentiment_score":0.023015962913632393},{"text":"Yep.","start":3756.05,"end":3756.55,"sentiment":"neutral","sentiment_score":0.07372811436653137},{"text":"Yes.","start":3756.69,"end":3757.19,"sentiment":"neutral","sentiment_score":0.1159842535853386},{"text":"Yep.","start":3777.625,"end":3778.125,"sentiment":"neutral","sentiment_score":0.07963784039020538}],"sentiment":"neutral","sentiment_score":0.045078666880726814,"num_words":6,"start":3721.055,"end":3778.125},{"sentences":[{"text":"Yep.","start":3778.2651,"end":3778.7651,"sentiment":"neutral","sentiment_score":0.08475393056869507},{"text":"The only other thing is the super for me, brighter super is still under Lisa Bergen.","start":3787.47,"end":3792.85,"sentiment":"neutral","sentiment_score":0.3259570933878422},{"text":"Yep.","start":3803.205,"end":3803.705,"sentiment":"neutral","sentiment_score":0.23565375804901123},{"text":"Yep.","start":3804.485,"end":3804.985,"sentiment":"neutral","sentiment_score":0.103768453001976},{"text":"Cool.","start":3822.875,"end":3823.375,"sentiment":"positive","sentiment_score":0.549824595451355}],"sentiment":"neutral","sentiment_score":0.30946571156382563,"num_words":20,"start":3778.2651,"end":3823.375},{"sentences":[{"text":"Sounds good.","start":3823.675,"end":3824.395,"sentiment":"positive","sentiment_score":0.6681716740131378},{"text":"And and, yeah, with with signing up, obviously, I'm I'm happy to go ahead with signing up.","start":3824.395,"end":3828.955,"sentiment":"positive","sentiment_score":0.4858802819953245},{"text":"So whatever I need to do to do that, just just let me know and I'll sign whatever needs to be signed.","start":3828.955,"end":3834.895,"sentiment":"neutral","sentiment_score":0.24769900061867453},{"text":"Yep.","start":3843.3,"end":3843.8,"sentiment":"neutral","sentiment_score":0.06891695410013199},{"text":"Yep.","start":3855.665,"end":3856.165,"sentiment":"neutral","sentiment_score":0.13053017854690552}],"sentiment":"positive","sentiment_score":0.35453798344662024,"num_words":43,"start":3823.675,"end":3856.165},{"sentences":[{"text":"Nope.","start":3883.2249,"end":3883.545,"sentiment":"neutral","sentiment_score":0.1032651886343956},{"text":"It's good.","start":3883.545,"end":3884.025,"sentiment":"neutral","sentiment_score":0.27665045857429504},{"text":"All good.","start":3884.025,"end":3884.765,"sentiment":"positive","sentiment_score":0.37585151195526123},{"text":"Yeah.","start":3890.91,"end":3891.23,"sentiment":"neutral","sentiment_score":0.04860002174973488},{"text":"What do you slip?","start":3891.23,"end":3892.21,"sentiment":"neutral","sentiment_score":0.019319829996675253}],"sentiment":"neutral","sentiment_score":0.15341484714299441,"num_words":10,"start":3883.2249,"end":3892.21},{"sentences":[{"text":"Yep.","start":3894.27,"end":3894.77,"sentiment":"neutral","sentiment_score":0.05753286927938461},{"text":"No worries.","start":3904.355,"end":3905.015,"sentiment":"neutral","sentiment_score":0.023735624738037586},{"text":"Yep.","start":3909.075,"end":3909.475,"sentiment":"neutral","sentiment_score":0.16433970630168915},{"text":"All good.","start":3909.475,"end":3910.215,"sentiment":"positive","sentiment_score":0.5461824834346771},{"text":"No.","start":3918.59,"end":3919.09,"sentiment":"neutral","sentiment_score":-0.03067844733595848}],"sentiment":"neutral","sentiment_score":0.19014719208436354,"num_words":7,"start":3894.27,"end":3919.09},{"sentences":[{"text":"No.","start":3920.6702,"end":3920.99,"sentiment":"neutral","sentiment_score":0.07614665478467941},{"text":"That works good.","start":3920.99,"end":3921.6301,"sentiment":"neutral","sentiment_score":0.25016745924949646},{"text":"Pretty good.","start":3921.6301,"end":3922.03,"sentiment":"positive","sentiment_score":0.4272797107696533},{"text":"Keeping up.","start":3922.03,"end":3922.9302,"sentiment":"positive","sentiment_score":0.3880019038915634},{"text":"Okay.","start":3943.085,"end":3943.585,"sentiment":"neutral","sentiment_score":0.07019057124853134}],"sentiment":"neutral","sentiment_score":0.2808225370115704,"num_words":9,"start":3920.6702,"end":3943.585},{"sentences":[{"text":"Okay.","start":3950.1099,"end":3950.5098,"sentiment":"neutral","sentiment_score":0.02242577075958252},{"text":"So my payslip, do you want the latest one I've currently got, or I gotta go to work and send so I'll come back at work for a fortnight, probably.","start":3950.5098,"end":3958.8499,"sentiment":"neutral","sentiment_score":0.00951333053720494},{"text":"So do you want the the latest latest one?","start":3959.585,"end":3961.9248,"sentiment":"neutral","sentiment_score":0.0042472875987490015},{"text":"Or I've got one from a I think it's I think it's the same.","start":3962.4648,"end":3964.545,"sentiment":"neutral","sentiment_score":0.015602906101516314},{"text":"I think it's the same.","start":3964.545,"end":3965.6648,"sentiment":"neutral","sentiment_score":0.047670534998178485}],"sentiment":"neutral","sentiment_score":0.01360753619790835,"num_words":59,"start":3950.1099,"end":3965.6648},{"sentences":[{"text":"Same pay, same you've got yeah.","start":3965.6648,"end":3970.625,"sentiment":"neutral","sentiment_score":0.07962644038101037},{"text":"Cool.","start":3970.625,"end":3971.125,"sentiment":"neutral","sentiment_score":0.10925473272800446},{"text":"Yeah.","start":3971.1848,"end":3971.4248,"sentiment":"neutral","sentiment_score":0.03680552542209625},{"text":"Because That shows it shows my yeah.","start":3971.4248,"end":3973.9302,"sentiment":"neutral","sentiment_score":-0.002944968507758209},{"text":"And it shows manual salary and and yeah.","start":3973.9302,"end":3977.6301,"sentiment":"neutral","sentiment_score":0.008316519786603749}],"sentiment":"neutral","sentiment_score":0.029118968659768932,"num_words":23,"start":3965.6648,"end":3977.6301},{"sentences":[{"text":"And and, yeah, what what my take home is each week and all that.","start":3977.6902,"end":3980.81,"sentiment":"neutral","sentiment_score":0.014784576105219977},{"text":"Yeah.","start":3980.81,"end":3981.31,"sentiment":"neutral","sentiment_score":0.1514051854610443},{"text":"That's fine.","start":3993.115,"end":3994.015,"sentiment":"neutral","sentiment_score":0.060997795313596725},{"text":"Alright.","start":4002.85,"end":4003.35,"sentiment":"neutral","sentiment_score":0.19693946838378903},{"text":"Any day, yeah, I'm fine.","start":4021.9348,"end":4023.2148,"sentiment":"neutral","sentiment_score":0.20889911353588103}],"sentiment":"neutral","sentiment_score":0.07486173380976138,"num_words":23,"start":3977.6902,"end":4023.2148},{"sentences":[{"text":"Free too.","start":4023.2148,"end":4023.775,"sentiment":"neutral","sentiment_score":0.21571657061576843},{"text":"So In the afternoons.","start":4023.775,"end":4024.9148,"sentiment":"neutral","sentiment_score":0.06190126854926348},{"text":"Any any afternoon?","start":4024.9749,"end":4026.115,"sentiment":"neutral","sentiment_score":0.04248453304171562},{"text":"Yep.","start":4032.4402,"end":4032.84,"sentiment":"neutral","sentiment_score":0.15833961963653564},{"text":"Sounds good.","start":4032.84,"end":4033.4001,"sentiment":"positive","sentiment_score":0.3526713401079178}],"sentiment":"neutral","sentiment_score":0.13918117620050907,"num_words":12,"start":4023.2148,"end":4033.4001},{"sentences":[{"text":"Yep.","start":4033.4001,"end":4033.8,"sentiment":"neutral","sentiment_score":0.15863822400569916},{"text":"Sounds good.","start":4033.8,"end":4034.54,"sentiment":"neutral","sentiment_score":0.3042221888899803},{"text":"Maybe five.","start":4042.04,"end":4042.785,"sentiment":"neutral","sentiment_score":0.061561403796076775},{"text":"Yeah.","start":4043.4248,"end":4043.905,"sentiment":"neutral","sentiment_score":0.2150350958108902},{"text":"Good.","start":4043.905,"end":4044.2249,"sentiment":"positive","sentiment_score":0.3783387541770935}],"sentiment":"neutral","sentiment_score":0.21193989419511386,"num_words":7,"start":4033.4001,"end":4044.2249},{"sentences":[{"text":"Five 05:00 would be great.","start":4044.2249,"end":4045.845,"sentiment":"positive","sentiment_score":0.4603943109512329},{"text":"It's gonna get turned out quickly.","start":4089.04,"end":4090.5,"sentiment":"neutral","sentiment_score":0.018171515315771103},{"text":"Yep.","start":4116.52,"end":4117.02,"sentiment":"neutral","sentiment_score":0.036208949983119965},{"text":"Yes.","start":4161.075,"end":4161.575,"sentiment":"neutral","sentiment_score":0.03882957249879837},{"text":"Yep.","start":4177.31,"end":4177.81,"sentiment":"neutral","sentiment_score":0.018793068826198574}],"sentiment":"neutral","sentiment_score":0.1789165884256363,"num_words":14,"start":4044.2249,"end":4177.81},{"sentences":[{"text":"No.","start":4191.115,"end":4191.615,"sentiment":"neutral","sentiment_score":-0.10324268043041228},{"text":"No.","start":4210.985,"end":4211.485,"sentiment":"neutral","sentiment_score":-0.10314719378948212},{"text":"No.","start":4224.06,"end":4224.56,"sentiment":"neutral","sentiment_score":-0.103079155087471},{"text":"Nope.","start":4235.34,"end":4235.84,"sentiment":"neutral","sentiment_score":-0.12669092416763306},{"text":"No.","start":4255.9897,"end":4256.4897,"sentiment":"neutral","sentiment_score":-0.11322787404060364}],"sentiment":"neutral","sentiment_score":-0.10987756550312042,"num_words":5,"start":4191.115,"end":4256.4897},{"sentences":[{"text":"No.","start":4271.0146,"end":4271.5146,"sentiment":"neutral","sentiment_score":-0.09801878035068512},{"text":"That's okay.","start":4276.0547,"end":4277.0347,"sentiment":"neutral","sentiment_score":-0.06771409139037132},{"text":"My answers are the same as when I did the pre assessment, so nothing changed.","start":4277.815,"end":4283.94,"sentiment":"positive","sentiment_score":0.5179132699966431},{"text":"Cool.","start":4289.92,"end":4290.42,"sentiment":"positive","sentiment_score":0.4256572127342224},{"text":"Awesome.","start":4334.165,"end":4334.665,"sentiment":"positive","sentiment_score":0.7101987600326538}],"sentiment":"positive","sentiment_score":0.4335554029792547,"num_words":20,"start":4271.0146,"end":4334.665},{"sentences":[{"text":"Cool.","start":4334.8047,"end":4335.3047,"sentiment":"positive","sentiment_score":0.6917679905891418},{"text":"Alright.","start":4339.44,"end":4339.84,"sentiment":"neutral","sentiment_score":0.07725834101438522},{"text":"I Yeah.","start":4339.84,"end":4347.12,"sentiment":"neutral","sentiment_score":0.12339342758059502},{"text":"Yeah.","start":4347.12,"end":4347.6,"sentiment":"neutral","sentiment_score":0.21970203518867493},{"text":"Bye.","start":4347.6,"end":4348.1,"sentiment":"neutral","sentiment_score":0.20640528202056885}],"sentiment":"neutral","sentiment_score":0.24032008399566016,"num_words":6,"start":4334.8047,"end":4348.1}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Francisco speaking.\n\nChannel 0: Hi. Good afternoon, Scott. This is Dana from Okey Financial. Can you hear me at all?\n\nChannel 1: Yeah. I can hear you. I\n\nChannel 0: Oh,\n\nChannel 1: don't know. You you got me?\n\nChannel 0: I have. Yes.\n\nChannel 1: I can.\n\nChannel 0: So sorry. There was, like, there was nothing there. I do apologize\n\nChannel 1: Yep.\n\nChannel 0: about that.\n\nChannel 1: Yeah. Lisa's phone just showed up and missed call, and it didn't even ring. We're all sitting here looking at the phone. So\n\nChannel 0: Yeah. No. That's okay. I did just leave a message on the phone. It it sort of didn't really ring.\n\nIt kind of\n\nChannel 1: ring\n\nChannel 0: rang\n\nChannel 1: up.\n\nChannel 0: once and then went straight through to voice mail. So I'm so sorry about that. I thought I'd try\n\nChannel 1: Yep.\n\nChannel 0: your number as well because you're probably sitting there\n\nChannel 1: Yeah.\n\nChannel 0: waiting for me. Sorry.\n\nChannel 1: We are. Hi, Dana. Lisa in the background.\n\nChannel 0: How are you, Lisa? I'm so sorry about yesterday. I do honestly apologize about having to push that one back and or reschedule.\n\nChannel 1: That's okay. How's your daughter?\n\nChannel 0: But she's okay. It is all sorted. It wasn't serious. Thank god. But she was really, really stressed out and beside\n\nChannel 1: Yeah.\n\nChannel 0: herself. Essentially,\n\nChannel 1: Yeah.\n\nChannel 0: where I am located in Benora Point, she was turning to go into Woolies, and a car sort of went past the side flight. So he wanted to go in there as well. And so it kind of hit the front of her car. It has caused a bit of damage. He's at fault.\n\nBut,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, she she sent me a photo, and my husband rang me going, are you okay? Like, can I talk to you? And I was like, oh my god. What's happening? She's been in an accident.\n\nShe's freaking out. I was like, oh my god. So I had get the insurance information and get all that sorted for them. So he\n\nChannel 1: Yeah.\n\nChannel 0: ended up taking over it because he was down there, which was great. I'm an hour away from home at work. So, yeah, it we got it sorted. She's okay. I went around last night and checked on her as well, and she's good.\n\nIt was just the initial, oh my god. And she's only 19. She's got her pay plates, and she's just like, what do I do? How do I deal with\n\nChannel 1: You\n\nChannel 0: this?\n\nChannel 1: are.\n\nChannel 0: So a bit scary for them, unfortunately, but she's good. But thank you so much for asking. And, again, I'm very sorry. The last thing I wanted was to reschedule your appointment. So\n\nChannel 1: No worries. No need to apologize. I'd be\n\nChannel 0: All\n\nChannel 1: doing\n\nChannel 0: good.\n\nChannel 1: the same.\n\nChannel 0: I'm so glad. All good. Well, let's have a bit of a look at things for you both. So just before\n\nChannel 1: Yeah.\n\nChannel 0: I jump into the call, I do need to let you both know we do record our calls for quality and training purposes. Are you both happy for us to proceed with that?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. Fantastic. Essentially so we had done the advice for you. I know, Scott, we had gone through your advice case earlier, and now your circumstances have changed. So you've dropped some hours, and things have changed a lot for you.\n\nHow's everything been going?\n\nChannel 1: Yep. Good. Yes. Much\n\nChannel 0: Yeah.\n\nChannel 1: better not working. Yeah.\n\nChannel 0: You enjoy that? That's good. That's fantastic. And, Lisa, we just wanted to kinda update and do a new advice case for the both of you. Is that correct incorporating your full circumstances looking forward at the retirement aspect and just incorporating everything into that?\n\nDoes that sound right?\n\nChannel 1: Yes. The only thing that's\n\nChannel 0: Yep.\n\nChannel 1: changed there is that I want to consider 50% work as well.\n\nChannel 0: Okay. Consider\n\nChannel 1: So\n\nChannel 0: 50 percent\n\nChannel 1: and whether\n\nChannel 0: work.\n\nChannel 1: we can achieve that or whether I'm better\n\nChannel 0: Yep.\n\nChannel 1: off holding off. So\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: No worries at all. Okay. Well, let's go through and update all of your circumstances. Now\n\nChannel 1: Mhmm.\n\nChannel 0: retirement goal wise, are we still wanting the same? I'm sorry. I'm just going back to have a look. Now we both wanted to access super around about the age of 60. Does that still sound appropriate?\n\nChannel 1: If we can access it earlier no. No. We wanna see. We wanna access the Super at 60. Yeah.\n\nYeah.\n\nChannel 0: Yep.\n\nChannel 1: We'll\n\nChannel 0: Yep.\n\nChannel 1: still still\n\nChannel 0: Yep.\n\nChannel 1: keep working till then. Yeah. Yep.\n\nChannel 0: Yep. Yep. That's okay. And goal was to be able to your income. We're looking at sorry.\n\nI'm just getting my screen to work for me. There we go. We were looking at a joint monthly income of $6,000 from super, so 3,000 from each if that works out that way or proportionately based on super balances. Does that sound correct?\n\nChannel 1: Yeah. Is that, like, high, or is that No. That's that's that's why. Well, at the moment,\n\nChannel 0: That's\n\nChannel 1: we have a we have a general expenditure at the moment of around about what is it? Hang on a minute. General 4.5 $4,700 a month.\n\nChannel 0: Yeah. No. That's honestly not that high at all. It's essentially 72,000. There are, like, research materials out there.\n\nSo one of the research materials is ASSA, and they essentially take all the data collected by the all the industry super funds and correlate it together. And they're actually averaging that most couples need to draw no less than about 72 to $76,000 on a yearly basis for a minimum to comfortable retirement. And that's not taking\n\nChannel 1: K.\n\nChannel 0: holidays every year. That's just basic standard living expenses. Comfortable retirement to them is covering your mortgage if you still have a mortgage, going out to have lunch once or twice a week, going to the movies a few times, having haircuts and things like that. So in all honesty, that's not very much when you consider the cost of living, fuel,\n\nChannel 1: Yeah.\n\nChannel 0: food,\n\nChannel 1: Everything's going up. Okay.\n\nChannel 0: electricity.\n\nChannel 1: I think it was supposed to be $66,000 each, maybe. That would\n\nChannel 0: Well,\n\nChannel 1: be too\n\nChannel 0: I think,\n\nChannel 1: hard.\n\nChannel 0: yeah, we did have originally in one of them 6,000 each, and then in the other one, we had 3,000. Scott, I believe yours was 6,000 each originally. And then, Lisa, when\n\nChannel 1: Yeah.\n\nChannel 0: I spoke to you, it was a 6,000 combined 3,000 from each. But I'm happy to work on either. What goal would you like\n\nChannel 1: Well\n\nChannel 0: me to work for for you?\n\nChannel 1: well, maybe maybe we'll bump up. Maybe we'll meet halfway and do 4,000 each. Does that sound reasonable then? That's\n\nChannel 0: Yeah.\n\nChannel 1: that's yep. 8,000 a\n\nChannel 0: Absolutely.\n\nChannel 1: month?\n\nChannel 0: Yep. That's absolutely fine. Let's aim for the stars.\n\nChannel 1: That's 90\n\nChannel 0: So\n\nChannel 1: that's 96,000 a year. That's not too bad. Because\n\nChannel 0: yeah.\n\nChannel 1: none of\n\nChannel 0: Yeah.\n\nChannel 1: that will be taxed, will it? That's just straight.\n\nChannel 0: Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. No. That is completely tax free. So once you retire and you know that time and phase, there is no income capital gains tax. Everything's tax free in that pension phase, which is kind of really\n\nChannel 1: Yep.\n\nChannel 0: nice after working for basically a lifetime.\n\nChannel 1: Yep. K. So it's just figuring out if we can achieve that and still have that if\n\nChannel 0: Mhmm.\n\nChannel 1: I drop back hours as well.\n\nChannel 0: Yep. Yeah. I can look at that\n\nChannel 1: Yeah.\n\nChannel 0: for you. Absolutely. What are your average what's your average monthly expenditure?\n\nChannel 1: Both of us joined?\n\nChannel 0: Yeah. Jointly. Yeah. What do you guys' average expenses every month\n\nChannel 1: At the moment, our general expenditure, but that includes, like, food, private health, unions, services, rates, water, insurances, and all our vehicle transports and\n\nChannel 0: say?\n\nChannel 1: stuff, is around\n\nChannel 0: Mhmm.\n\nChannel 1: about 4,700 a month.\n\nChannel 0: 4,700 per month. Beautiful.\n\nChannel 1: But keeping in mind, a lot of those will be gone because we won't have motorbikes. Two unions.\n\nChannel 0: Yeah.\n\nChannel 1: And and all of those things, like, then\n\nChannel 0: Yeah.\n\nChannel 1: when we retire.\n\nChannel 0: Yeah. Absolutely. I think the main thing we're looking at that now is if, Lisa, you're wanting to drop your hours to 50%, it means dropping your\n\nChannel 1: Yeah.\n\nChannel 0: income as well. So\n\nChannel 1: Yeah.\n\nChannel 0: if we wanna look at what that means for your sleep or what your contributions look like going in, we wanna also make sure that if we tell you to do that, if we say it's possible, and\n\nChannel 1: Yeah.\n\nChannel 0: it means, you know, putting in extra contributions to supplement, we wanna make sure that you're still able to cover your expenditure,\n\nChannel 1: Probably\n\nChannel 0: the\n\nChannel 1: fine.\n\nChannel 0: not eating too much of that away.\n\nChannel 1: Yeah.\n\nChannel 0: So that's definitely sort of to factor in. When\n\nChannel 1: Yep.\n\nChannel 0: we income wise now so, Lisa, what's your income at the moment?\n\nChannel 1: So you want annual gross, or do you want take\n\nChannel 0: Yeah.\n\nChannel 1: home?\n\nChannel 0: Growth. Both. If\n\nChannel 1: So\n\nChannel 0: you can\n\nChannel 1: my\n\nChannel 0: do\n\nChannel 1: annual\n\nChannel 0: growth if\n\nChannel 1: gross\n\nChannel 0: you want that I\n\nChannel 1: my annual gross is\n\nChannel 0: can\n\nChannel 1: a $195.07\n\nChannel 0: work out. Yep.\n\nChannel 1: 6 a year,\n\nChannel 0: $8.07 6. Yep. Beautiful. It's\n\nChannel 1: and\n\nChannel 0: about\n\nChannel 1: my\n\nChannel 0: the\n\nChannel 1: take\n\nChannel 0: same.\n\nChannel 1: home, which I only have in monthly, is $5.01 $4.08 and 60¢ a month.\n\nChannel 0: $5.01 $4.08 and 60¢. Beautiful. And per month. Excellent.\n\nChannel 1: And that's working, you know, full time well, four days of four days\n\nChannel 0: Full\n\nChannel 1: of\n\nChannel 0: time.\n\nChannel 1: well, full full time. Yeah. Full time out.\n\nChannel 0: Yep. Okay. Perfect. So if you drop down to 50%, we'd assume 50% of your income, so it would drop by about 50%, say.\n\nChannel 1: I assume so anyway. A bit of a tech. Probably be a little bit that's a bit more.\n\nChannel 0: Yep. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. Can I ask what's your what's your hourly rate, and how many hours would you expect to work? Because I can do the math manually\n\nChannel 1: Okay. Hang on one sec. It's on oh, wrong phone. I think I've got space, and that was mine. Just get my payslip.\n\nThat'll be easier to look at.\n\nChannel 0: Yeah. You're\n\nChannel 1: Because I think I've I've with me dropping wages,\n\nChannel 0: fine.\n\nChannel 1: I've gone to just shy of 1,500 a week\n\nChannel 0: Okay. Let's\n\nChannel 1: instead\n\nChannel 0: update\n\nChannel 1: of two\n\nChannel 0: that for\n\nChannel 1: instead of $2.04. So it was\n\nChannel 0: you.\n\nChannel 1: only\n\nChannel 0: Yeah.\n\nChannel 1: a $900 drop. So I\n\nChannel 0: So\n\nChannel 1: my\n\nChannel 0: so\n\nChannel 1: alley,\n\nChannel 0: it's got\n\nChannel 1: right,\n\nChannel 0: you\n\nChannel 1: is\n\nChannel 0: on\n\nChannel 1: that\n\nChannel 0: 15 100\n\nChannel 1: oh, sorry.\n\nChannel 0: per week. No. You're\n\nChannel 1: Yeah. It's\n\nChannel 0: right.\n\nChannel 1: 14\n\nChannel 0: All good.\n\nChannel 1: 1,400 and change, I think I am. Let me get you down.\n\nChannel 0: 14\n\nChannel 1: You are now I don't have your weekly. I've just got 517104 a month. $5.01 $7.01. Yeah. Hang on.\n\nAren't you 5,000 a month? I'm the same\n\nChannel 0: 100.\n\nChannel 1: I'm the same if I drop down. Oh, okay. Yep. Oh, so that's not what my job is. No.\n\nYours is wrong. Sorry. I'm giving you my wrong pay. That's that's a fortnight you've given up. Yeah.\n\nI have.\n\nChannel 0: That's okay. That's alright. So net month net sorry. Monthly.\n\nChannel 1: Will be double that figure that she gave you, so it'll\n\nChannel 0: Yep.\n\nChannel 1: be\n\nChannel 0: Double.\n\nChannel 1: 10,000 and something. It'll be 10,000\n\nChannel 0: For\n\nChannel 1: 6\n\nChannel 0: monthly.\n\nChannel 1: 101.\n\nChannel 0: That actually\n\nChannel 1: Yeah. Double\n\nChannel 0: works out\n\nChannel 1: one.\n\nChannel 0: better. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: And that's your that's\n\nChannel 1: You\n\nChannel 0: your\n\nChannel 1: were thinking\n\nChannel 0: current\n\nChannel 1: that was\n\nChannel 0: net\n\nChannel 1: very\n\nChannel 0: in that\n\nChannel 1: small\n\nChannel 0: per\n\nChannel 1: if\n\nChannel 0: month.\n\nChannel 1: I'm gonna have that.\n\nChannel 0: No. That's okay. You're right.\n\nChannel 1: Sorry.\n\nChannel 0: No. That's absolutely fine. And what's\n\nChannel 1: Do\n\nChannel 0: your\n\nChannel 1: you want\n\nChannel 0: hourly\n\nChannel 1: my hourly\n\nChannel 0: rate there,\n\nChannel 1: rate?\n\nChannel 0: Lisa? Yes, please.\n\nChannel 1: My\n\nChannel 0: Yeah.\n\nChannel 1: my hourly rate is $100 and 3611, so 03611.\n\nChannel 0: 3611. Beautiful. And if you drop your hours to fifty so I'm assuming you work thirty eight hours a week at the moment or forty with breaks?\n\nChannel 1: It's thirty yeah. I think it's thirty eight. So it'll be\n\nChannel 0: Thirty\n\nChannel 1: half of\n\nChannel 0: eight.\n\nChannel 1: that.\n\nChannel 0: So half that. Beautiful. Just to confirm. I would\n\nChannel 1: That's\n\nChannel 0: like to\n\nChannel 1: just\n\nChannel 0: double\n\nChannel 1: yeah.\n\nChannel 0: check and ask those questions just to make sure.\n\nChannel 1: Approximately that we'll be working\n\nChannel 0: Yep.\n\nChannel 1: on because I'd have to find someone to job share.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. Beautiful. So I'll work on that for you, work on the expenditure side of things. So, Scott, you may mention with your changes, you're only working 50% now. And so\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: just to reconfirm the income, I said you said it was changed 1,400 per week or fortnight. Is that right?\n\nChannel 1: Yeah. So tell you the exact I'll I'll go into the Commonwealth Bank and tell you the exact amount that's coming in. Wrong.\n\nChannel 0: Yeah.\n\nChannel 1: It's not. Oh, ignore that. Yeah. I haven't changed that yet. And that's that's it's got expenses in it.\n\nDon't forget. It's got expenses taken out of it. Yeah. So you can't look at my bank. Oh, then I don't have your pay stub.\n\nNo.\n\nChannel 0: Are you due to get a payslip fairly soon? Or\n\nChannel 1: I sent some home, didn't I? You did. Yeah. Because there's there's I pay into shares out of my pay, and I pay accommodation out of my pay, which is all So you pay\n\nChannel 0: Out of pay. Yep. That's okay. Worst case, I could even just get used to email me each of you just a\n\nChannel 1: Yeah.\n\nChannel 0: copy of your updated pay slip, and I can just go back and work out the math. That's not a problem at all.\n\nChannel 1: Yeah. She's got one coming now. Just taking\n\nChannel 0: Beautiful.\n\nChannel 1: sweet time to download.\n\nChannel 0: Don't worry. I've had shockers with computers today waiting for emails to go through and all sorts of dramas and technology is horrible. I'm good with old old fashioned pen and paper sometimes.\n\nChannel 1: Can you access that, Scott? So mine doesn't seem to work anymore for me. Well, that's in the mail. No. But you carry on, and I'll I'll come back to you with\n\nChannel 0: Yep. That's\n\nChannel 1: Yep.\n\nChannel 0: okay.\n\nChannel 1: That's okay.\n\nChannel 0: Easy.\n\nChannel 1: Easy.\n\nChannel 0: What\n\nChannel 1: What\n\nChannel 0: worst case, we can always just get you to email a copy through. I'll probably get you do that anyway just so I have a reference point just when I'm kinda going through and doing the math. I can include\n\nChannel 1: Yep.\n\nChannel 0: that and just double check the numbers and everything. I don't wanna give you incorrect or false information, so we'll make sure that we do all the math correctly there for you.\n\nChannel 1: Yeah.\n\nChannel 0: The you guys also sold the investment property last year.\n\nChannel 1: Yeah.\n\nChannel 0: All the proceeds of that, did that pay off the main primary residence? How did the how did that all go?\n\nChannel 1: So I think that's the question we wanna ask. We've got at the moment, we've we've paid it all off. We've got we've left our home loan open for the moment. It's got about how much is in in it? Let me just look.\n\n193,600 owing on it, but we're not paying any interest because we've got about $387,000 sitting in the offsetting.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Account. So but we'll have to take a $100,100,000 out of that for capital gains.\n\nChannel 0: Yes.\n\nChannel 1: So after we like, if we were to pay off the loan fully\n\nChannel 0: Mhmm.\n\nChannel 1: and pay\n\nChannel 0: Mhmm.\n\nChannel 1: off the\n\nChannel 0: Mhmm.\n\nChannel 1: capital gains, we'd be like we'd have about a $100,000 in Equity. Equity, like,\n\nChannel 0: Yep.\n\nChannel 1: and just sitting there as cash. So we're sort of like, do we pay the home loan after we leave the home loan there? And the main reasons we're we're thinking about that is because we're looking at buying a motor home and traveling. Doing a lot of Australia.\n\nChannel 0: Yep.\n\nChannel 1: So which helps us if we're working 50%. So I was\n\nChannel 0: Yes.\n\nChannel 1: sort of trying to decide what the better approach is there.\n\nChannel 0: Yep. That's okay. Now with the motor home, are you going to need to take out a loan or planning to take out a loan for that, or are you preferring to maybe buy out of cash with the money that you have left over?\n\nChannel 1: Yeah. Well, that's the thing with We'll have a 100,000 left over. We've probably got\n\nChannel 0: Yeah.\n\nChannel 1: a $100,000 of assets we're gonna sell. And then just\n\nChannel 0: Mhmm.\n\nChannel 1: a bit of maybe a bit of change, we'll pull back out of the home loan and only have 50,000 to pay off the home loan or something,\n\nChannel 0: Yep.\n\nChannel 1: which\n\nChannel 0: Okay.\n\nChannel 1: is why we haven't closed it down yet because home loan rate's better than car loan rates. So what we were thinking\n\nChannel 0: Correct.\n\nChannel 1: is that that what we should with a better idea then? Yes.\n\nChannel 0: In all honesty, depending on what sort of a caravan you get, if it is older than normally, most same as most cars, you've got to kind of have a value, but most loans end up being unsecured. Even a secured personal loan for that sort of thing is pretty hefty at about between six to, you know, 12%. So, realistically,\n\nChannel 1: Yeah.\n\nChannel 0: if you are going to get a try and get a loan, pull it off the mortgage, That way you\n\nChannel 1: Yeah.\n\nChannel 0: are paying a much lower interest\n\nChannel 1: Okay.\n\nChannel 0: rate because mortgage rates are lower, and you don't have to go and get the loan again. The other side of that is responsible lending, and I can safely tell you that the AML has changed. So the AML is anti money laundering counterterrorism, and that's essentially looking at you as an identity because there has been so much in Canada in terrorism financing, everything happening with the terrorist side of things over the last couple of years. They've also had a lot of anti money laundering going on as well. They've actually gone back and updated all of those sorts of legislations recently.\n\nAnd it means that whenever we, a bank, nowadays, even an accountant, a a lawyer, and a real estate agent now have to get your ID, confirm how funds are, where funds have come from, how they use the the AML side of things of getting your ID, improving who you are is a much bigger process on the other side of it. It's not as\n\nChannel 1: Yep.\n\nChannel 0: big a process for you guys to see, but it is a much bigger process on the other side of things. So there is a lot\n\nChannel 1: Okay.\n\nChannel 0: more to lending criterias that banks will have to go through to assess everything,\n\nChannel 1: Yes.\n\nChannel 0: which\n\nChannel 1: Yeah.\n\nChannel 0: means the cost of that on the other side down the track, I reckon, will probably change. But, realistically, with where you are, you've already got that loan there. You wouldn't have to go through the process of applying for loans, providing your bank statements, going back through the income assessments to get a personal loan, utilizing what you have. And because it's a a very a fixed sorry, a variable rate, and it's a home loan rate, you're technically paying a lower interest than what you would be if you were to get a personal loan. So this that\n\nChannel 1: Yeah.\n\nChannel 0: side\n\nChannel 1: So\n\nChannel 0: of\n\nChannel 1: we\n\nChannel 0: things,\n\nChannel 1: still have\n\nChannel 0: I would\n\nChannel 1: the\n\nChannel 0: probably\n\nChannel 1: home loan.\n\nChannel 0: look at this. Yeah.\n\nChannel 1: At the at the moment, we've got a 193,000. We only pay 320 a month, which is Which is because there's no no interest. We still pay a a monthly payment because they make you pay a payment.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: But yeah. So that'd be sort of similar, but we'd have that little bit of interest for\n\nChannel 0: Yeah.\n\nChannel 1: Yes. $50 or something that we pull out for the the home loan. The\n\nChannel 0: Yeah.\n\nChannel 1: Motorhome. Motorhome.\n\nChannel 0: The motor home. Yeah. How sorry. How much were you wanting to maybe pull out for the for the\n\nChannel 1: Yeah.\n\nChannel 0: motor home? What was the cost\n\nChannel 1: Well,\n\nChannel 0: it's supposed to\n\nChannel 1: I\n\nChannel 0: be?\n\nChannel 1: think the because we're looking at a brand new one. Well well, we're looking at a very close to new one. So it's probably around about $250,\n\nChannel 0: Yep.\n\nChannel 1: which means we'll\n\nChannel 0: Yep.\n\nChannel 1: we'll use a 100 of the offset money that was got left over. We use a 100 of our assets that we gotta sell, and we'll use 50 of the home loan. And\n\nChannel 0: Perfect.\n\nChannel 1: then we still got a $250,000 asset as well\n\nChannel 0: Yep. Okay.\n\nChannel 1: in the motor\n\nChannel 0: So with\n\nChannel 1: home.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: yeah. Absolutely. And so with the assets to sell, is that your shares that you had sitting there as well?\n\nChannel 1: The the sorry. The the Assets out. No. That's actually I've got a new car,\n\nChannel 0: Oh, right.\n\nChannel 1: but I haven't sold the Tesla. And\n\nChannel 0: Right.\n\nChannel 1: and an agreement when we get the motor home is that they're selling the jet skis. So\n\nChannel 0: Right.\n\nChannel 1: the two jet\n\nChannel 0: Okay.\n\nChannel 1: skis and the trailer. So Jet skis.\n\nChannel 0: Right.\n\nChannel 1: We estimate\n\nChannel 0: Okay.\n\nChannel 1: them all joined together being $100. At least.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: So the jet skis will go. Wow.\n\nChannel 1: Yes.\n\nChannel 0: And the and the trailer.\n\nChannel 1: Yes.\n\nChannel 0: No. That's okay. All good. And the motor home, is it more of a caravan, or is it more of an actual motor home which you'll drive around? What sort\n\nChannel 1: A\n\nChannel 0: of\n\nChannel 1: full\n\nChannel 0: thing\n\nChannel 1: motor home\n\nChannel 0: you're looking\n\nChannel 1: you drive\n\nChannel 0: at\n\nChannel 1: around.\n\nChannel 0: for motor home?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Are you gonna be looking to tow a car on the back end of that or\n\nChannel 1: No.\n\nChannel 0: just take\n\nChannel 1: No.\n\nChannel 0: it and go? No. That's\n\nChannel 1: Probably\n\nChannel 0: okay.\n\nChannel 1: just one of one of my little motorbikes I'll stick on the back of it.\n\nChannel 0: Nice. Nice. All good. Alright. Well, let's\n\nChannel 1: Yeah.\n\nChannel 0: just update the assets that we do have here at the moment. So now your\n\nChannel 1: Yeah.\n\nChannel 0: main primary residence there, the last valuation we had on that was I had two different valuations. So, Scott, on yours, I had 1.5 mil, and the other one, I had 2.8 mil. How much do you value the property at? How much would it be valued at for you?\n\nChannel 1: But you said 1.9, didn't you? I thought it would be about 1.92 mil. Yeah.\n\nChannel 0: Yep. Did you want me to put 2 mil on it, 1.9? What do you\n\nChannel 1: Yep.\n\nChannel 0: are you\n\nChannel 1: Two\n\nChannel 0: comfortable\n\nChannel 1: is fine.\n\nChannel 0: with?\n\nChannel 1: Two is fine,\n\nChannel 0: Two\n\nChannel 1: I think.\n\nChannel 0: is fine. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Fine? Yep. Absolutely. All good. And then I've got the loan information here, so I'll just update that here as well.\n\nBeautiful. Offset's all covered. Other assets noted down that we had the motor vehicles. I had them noted as two motor vehicles. One of those, I believe, is a Tesla.\n\nIs that right?\n\nChannel 1: Yes. And that's the one we're\n\nChannel 0: Yep.\n\nChannel 1: going to sell or set\n\nChannel 0: Lovely.\n\nChannel 1: trying to sell.\n\nChannel 0: How much are you trying to sell it for? What sort of value you got on it?\n\nChannel 1: I've got it actually at 55,000 at the moment.\n\nChannel 0: Yep. Beautiful. And that vehicle is owned completely outright. No loans on it at all?\n\nChannel 1: Outright. No loans.\n\nChannel 0: Yep. Perfect. Excellent. So 55 there. I also have down here the BYD Shark with an\n\nChannel 1: Yep.\n\nChannel 0: asset value of 50,000. Do you still have that vehicle?\n\nChannel 1: Yes. We do.\n\nChannel 0: Yep. Beautiful. Would you value it the same, or do you think you'd change that valuation?\n\nChannel 1: That's 85? What have we got on that? What have we got on that\n\nChannel 0: 50\n\nChannel 1: for a value?\n\nChannel 0: 55, you said. Sorry. Is that right?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Excellent. And no debt on that one completely outright as well?\n\nChannel 1: No. There's debt on that one.\n\nChannel 0: Okay. How much do we owe on that one?\n\nChannel 1: We owed currently I'm on the wrong phone again. Got my phone. Gotta keep sorry. Got different 45. It's a third of it.\n\nSo I $50.50. I think it's 43,000. Yeah. 43 is quite a lot. Yeah.\n\nYep.\n\nChannel 0: 43,000. Excellent. Beautiful. Let's pop that in there. Fantastic.\n\nAnd then we have the two jet skis, which will be sold down the track here.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: But what sort of valuation would you put on both those jet skis currently?\n\nChannel 1: We've kinda put for the jet skis and its trailer. We're thinking\n\nChannel 0: Mhmm.\n\nChannel 1: we'll sell it for around between 50 to 60, so probably 55.\n\nChannel 0: Yep. Beautiful. Lovely. And they're earned out. Right?\n\nThere's no loans on those?\n\nChannel 1: No loans.\n\nChannel 0: Nope. Beautiful. And the 55 is for the two jet skis and the trailer as well? Yep. Beautiful.\n\nYep.\n\nChannel 1: Yeah. Yep. Probably just\n\nChannel 0: Beautiful.\n\nChannel 1: sell them as a package.\n\nChannel 0: Yeah. May as well. That's all good. Fantastic. Update that for you.\n\nSo I'm just updating both the fact lines individually because I have one for each of you, so just making sure it's all good across the board. Fantastic. I've got contents noted down here. So valuation of contents is about 282,500. Would you alter or change that valuation\n\nChannel 1: I think I'll just leave it as that, but I do have another\n\nChannel 0: Yep.\n\nChannel 1: vehicle that you've gotta add.\n\nChannel 0: Beautiful. And the new vehicle there as well. What kind of car is it?\n\nChannel 1: It's a BYDC line eight.\n\nChannel 0: Yep. C Line eight. Beautiful. And valuation of that vehicle?\n\nChannel 1: What what was your name? 70000. 70000?\n\nChannel 0: 70000. Beautiful. Excellent.\n\nChannel 1: And I do have\n\nChannel 0: And\n\nChannel 1: a\n\nChannel 0: that's\n\nChannel 1: loan\n\nChannel 0: a\n\nChannel 1: on that.\n\nChannel 0: yeah. All good. How much do you owe on\n\nChannel 1: I think I owe around about what do I can I have The same thing? Around about the same because it's only\n\nChannel 0: that\n\nChannel 1: recent.\n\nChannel 0: one?\n\nChannel 1: It's only, like, four months old\n\nChannel 0: Yep. Yep.\n\nChannel 1: or a\n\nChannel 0: All\n\nChannel 1: couple of\n\nChannel 0: good.\n\nChannel 1: months old. And\n\nChannel 0: Beautiful.\n\nChannel 1: it like, both of our vehicle loans, just so you know, they're both at, like, what his is 1.99%, and one's mine's 1.89%. So they're very low\n\nChannel 0: Okay.\n\nChannel 1: interest rates.\n\nChannel 0: Yeah. That's it. 1.89% there. And then the BYD Shark was 1.99\n\nChannel 1: Yeah. Yep.\n\nChannel 0: percent. Yep. Beautiful. They are really low interest rates. That's fantastic.\n\nChannel 1: Yeah. That's why\n\nChannel 0: Almost\n\nChannel 1: we didn't bother\n\nChannel 0: unheard\n\nChannel 1: paying them out with the money we had in the offset. We're like,\n\nChannel 0: of.\n\nChannel 1: that's\n\nChannel 0: Yeah.\n\nChannel 1: too low. It just\n\nChannel 0: Is that financed with the the\n\nChannel 1: Yeah. With BYD. BYD.\n\nChannel 0: car\n\nChannel 1: Yeah.\n\nChannel 0: yard? Yeah.\n\nChannel 1: That's what\n\nChannel 0: Yep.\n\nChannel 1: I do\n\nChannel 0: It\n\nChannel 1: to\n\nChannel 0: does\n\nChannel 1: shift shift\n\nChannel 0: sound\n\nChannel 1: units. Yeah.\n\nChannel 0: absolutely.\n\nChannel 1: Up to date by the\n\nChannel 0: It\n\nChannel 1: Chinese\n\nChannel 0: does\n\nChannel 1: government, I'm guessing.\n\nChannel 0: absolutely. But, no, that does sound like the car yard's interest rates, which is absolutely fine. Do you guys have balloons on those payments as well once they finish up,\n\nChannel 1: No.\n\nChannel 0: or is that completely\n\nChannel 1: No.\n\nChannel 0: paid down to nothing?\n\nChannel 1: No.\n\nChannel 0: Nothing.\n\nChannel 1: They have\n\nChannel 0: Beautiful.\n\nChannel 1: nothing in three years. Yep.\n\nChannel 0: No. All good. Fantastic. And you own both those cars in three years, or how\n\nChannel 1: Yep.\n\nChannel 0: often?\n\nChannel 1: Well,\n\nChannel 0: Yep.\n\nChannel 1: mine in two. Two, mine in three. So the\n\nChannel 0: Perfect.\n\nChannel 1: shark in shark in two. Yeah.\n\nChannel 0: So two years. Yep. To be owned. And then three for the BYDC line. Beautiful.\n\nAre\n\nChannel 1: Yeah?\n\nChannel 0: they both\n\nChannel 1: Yep.\n\nChannel 0: electric cars?\n\nChannel 1: Yeah. Yeah. Hi. Both both hybrids. But mainly, they drive\n\nChannel 0: Hybrid.\n\nChannel 1: lock and electric. Yeah. They've\n\nChannel 0: Yeah.\n\nChannel 1: just got\n\nChannel 0: Yeah.\n\nChannel 1: a generator here to get you going multiple.\n\nChannel 0: Yeah. Absolutely. Yeah. No. I've got a Hyundai and it's hybrid, and I love it.\n\nDriving an hour to work, it makes such a difference on fuel. It's easy to fill\n\nChannel 1: Yep.\n\nChannel 0: up. It drives most of the way electric, and it's just so much easier.\n\nChannel 1: Yeah. Well, your card\n\nChannel 0: It works.\n\nChannel 1: goes pages on the line trip.\n\nChannel 0: It works. Fantastic. It's amazing,\n\nChannel 1: Yeah. We can\n\nChannel 0: isn't\n\nChannel 1: do it.\n\nChannel 0: it? Especially for us\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: yeah. Yeah. So good.\n\nChannel 0: feel all good. Excellent. Now the other thing to sort of look at so we've updated all your assets and liabilities there. Is there\n\nChannel 1: Do\n\nChannel 0: anything else asset or liability wise that we should probably update or note down as anything different to what we had or anything new?\n\nChannel 1: you mention the other you've got the other house there, haven't you? The other unit in Melumbin that we own?\n\nChannel 0: No. Not that one. So the unit\n\nChannel 1: Okay.\n\nChannel 0: in Wollumburn, that's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Let's update that one. So that's a unit. What sort of value would you put on that one?\n\nChannel 1: 287,000. What we bought. That's what we bought it for. So 300 now because it's Probably 300. Cost the road trying to sell the one for For 400.\n\nFor 400. 3\n\nChannel 0: Yeah.\n\nChannel 1: 100.\n\nChannel 0: Wow. Yep. Beautiful. And\n\nChannel 1: That's\n\nChannel 0: do you have\n\nChannel 1: owned\n\nChannel 0: a loan\n\nChannel 1: out?\n\nChannel 0: on that you've owned\n\nChannel 1: No.\n\nChannel 0: outright?\n\nChannel 1: No.\n\nChannel 0: Beautiful.\n\nChannel 1: Not. Yeah. But it's owned\n\nChannel 0: Yep.\n\nChannel 1: with my parents. So all four of us don't own it, and they it's not. But\n\nChannel 0: Okay.\n\nChannel 1: I own it. Yeah. We just had to\n\nChannel 0: Perfect.\n\nChannel 1: put their name on the lease to Allow them to live in it. Yeah. Agree.\n\nChannel 0: Alright. Yep.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: we own it.\n\nChannel 0: Beautiful.\n\nChannel 1: When it says ours, it's in the will that it's ours. It's it's yeah.\n\nChannel 0: Yep. Beautiful. It's good as the canna for in the wheel. Is fantastic. They're fully owned, and your parents are living in it.\n\nDo they pay anything in rent or anything, or they're just living in\n\nChannel 1: No.\n\nChannel 0: it rent free?\n\nChannel 1: Rent free.\n\nChannel 0: Beautiful.\n\nChannel 1: Rent free to us. Yeah. Yes. Just just\n\nChannel 0: Yeah.\n\nChannel 1: just an asset appreciating\n\nChannel 0: Yes.\n\nChannel 1: slowly.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: That's absolutely fantastic. Beautiful. Fantastic. Thank you for updating that. And, Scott, you still have shares with BHP.\n\nDo you still have those? You sort of\n\nChannel 1: Yes.\n\nChannel 0: mentioned that you are still having those purchased out of your wages every month\n\nChannel 1: Yep.\n\nChannel 0: or fortnight?\n\nChannel 1: Yep. Yep. That's still happening.\n\nChannel 0: Yep. Beautiful. Do you know how many shares you have or what the current value of those are?\n\nChannel 1: I think it's up to 80,000 there. 83\n\nChannel 0: 80,000?\n\nChannel 1: eighty 3, was it? Let's see. I was looking at the spreadsheet. It should be in here somewhere.\n\nChannel 0: Yeah. That's\n\nChannel 1: Why is it not in there? It's asking the person that created\n\nChannel 0: okay.\n\nChannel 1: the spreadsheet. That's the other spreadsheet, though. Yeah. That's the one where I said I'm working 50%. Yeah.\n\nThat's a good one. That's a good one. So what have we got there? There it is. But you can't No.\n\nYou can't see it from an email. You gotta log in. Oh. So if you haven't got it written in a spreadsheet, you can't see it. And I'll put in the spreadsheet.\n\nIt goes up a great rate or not. So it's insane. Because they match whatever I buy. They match every three like, in the rolling three year period. So\n\nChannel 0: Oh, that's fantastic,\n\nChannel 1: so pretty\n\nChannel 0: isn't\n\nChannel 1: pretty\n\nChannel 0: it?\n\nChannel 1: much 50% shares because yeah.\n\nChannel 0: Yeah.\n\nChannel 1: 88,000. Oh, you found\n\nChannel 0: 80\n\nChannel 1: it?\n\nChannel 0: 8,000?\n\nChannel 1: Eight\n\nChannel 0: Beautiful.\n\nChannel 1: eight no. Yep.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: That's where\n\nChannel 0: the 80\n\nChannel 1: it's 80\n\nChannel 0: eight thousand.\n\nChannel 1: thousand 703. So 80,000, not 88. Okay. Yeah. Can't read the numbers where they aren't.\n\n80,000. 80,000.\n\nChannel 0: 80\n\nChannel 1: Well,\n\nChannel 0: thousand. Do you\n\nChannel 1: let\n\nChannel 0: want\n\nChannel 1: me\n\nChannel 0: me\n\nChannel 1: look.\n\nChannel 0: to rounded\n\nChannel 1: Yep.\n\nChannel 0: off to 80,000 knowing it\n\nChannel 1: Yep.\n\nChannel 0: could definitely change in the future.\n\nChannel 1: It'll\n\nChannel 0: Yeah.\n\nChannel 1: definitely\n\nChannel 0: That's\n\nChannel 1: go\n\nChannel 0: Absolutely.\n\nChannel 1: up. But, yeah, it's it's going. I can yeah.\n\nChannel 0: Yeah. Beautiful. And with those shares, is the intention just to keep holding them until\n\nChannel 1: Yep.\n\nChannel 0: you need\n\nChannel 1: Just\n\nChannel 0: to sell\n\nChannel 1: keep.\n\nChannel 0: them down the track maybe in retirement?\n\nChannel 1: Yep. Retirement.\n\nChannel 0: Or\n\nChannel 1: Yep.\n\nChannel 0: yep.\n\nChannel 1: Because I'll keep\n\nChannel 0: Yep.\n\nChannel 1: growing and getting matched as long as I you know, if I work to 60, they'll keep matching them till I'm 60. So\n\nChannel 0: Yep. Beautiful. When we look at sort of those sorts of shares and things, realistically, selling them when you're younger, when you're still working, obviously, there's a CGT effect there for you. So if you can hold\n\nChannel 1: Yep.\n\nChannel 0: on to them and don't have to sell them until you get to retirement, then we can look at a way to sell them in retirement. So you're hopefully on a lower tax rate, which can affect make the CGT lesser, and also\n\nChannel 1: Yep.\n\nChannel 0: maybe selling them down in increments so that we can do it in proportions as well. So down the track when that comes, we can always help them look at that for you. Okay? Excellent. Beautiful.\n\nSo I've got everything basically here. You mentioned, sorry, with the Willumburn unit. Now that isn't a will. There's no\n\nChannel 1: Yep.\n\nChannel 0: kind of what happens to that property when your parents pass away, and I'm sorry to sort of touch on that.\n\nChannel 1: Yeah.\n\nChannel 0: Is the intention to then keep it and rent it out, or what sort of is meant to happen to that in the future?\n\nChannel 1: We'd probably sell it. I think we'd sell it depending on, you\n\nChannel 0: Yes.\n\nChannel 1: know, what was going on with us. If we were not well and had to downgrade at home, we'd just probably leave leave it and sell this one. But\n\nChannel 0: Yes.\n\nChannel 1: I the intention at at this stage, if all is going good, we'll just sell it.\n\nChannel 0: Okay. So possibility to sell in the future.\n\nChannel 1: Yeah. Yeah. Most likely.\n\nChannel 0: That's a long time in the future. Your parents have a nice long life ahead of them. That's\n\nChannel 1: Exactly.\n\nChannel 0: what we want.\n\nChannel 1: So to speak. But they are\n\nChannel 0: Beautiful.\n\nChannel 1: 70 my dad's 78, and my mom's 77. So, you\n\nChannel 0: Yep.\n\nChannel 1: know\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Yep. No. That's okay. Not a problem at all. Excellent.\n\nWell, thank you for updating those. Now just sort of re going back to the estate planning side of things, last time we sort of touched base with both of you, both confirmed you had an upstate will and power of attorneys. Do those documents, have they been reviewed in the past? Are they still do do you know are they still reflective of your current circumstances? Do you feel like they need to be updated at\n\nChannel 1: No. That they won't\n\nChannel 0: all?\n\nChannel 1: change ever. It's everything goes\n\nChannel 0: Nope.\n\nChannel 1: to our daughter and me.\n\nChannel 0: Yes?\n\nChannel 1: So me. So that will never\n\nChannel 0: Beautiful.\n\nChannel 1: change.\n\nChannel 0: No.\n\nChannel 1: We only\n\nChannel 0: Beautiful.\n\nChannel 1: have one\n\nChannel 0: I\n\nChannel 1: child. It's easy.\n\nChannel 0: love that.\n\nChannel 1: We made it so it was just, like, no matter what, it was just either me or Katie. So that was just yeah. Didn't have to change it later, and she could\n\nChannel 0: Yeah.\n\nChannel 1: look after any\n\nChannel 0: Lovely.\n\nChannel 1: distribution.\n\nChannel 0: Yeah. Lovely. Excellent. All good. And now your daughter, she is is she older than 18 or under 18?\n\nHow old is she?\n\nChannel 1: She's 28.\n\nChannel 0: 28. Beautiful. Working nontax nonfinancial dependent. Do you guys still help her in any way?\n\nChannel 1: No. She's she's fully depend yeah. Independent herself.\n\nChannel 0: Independent?\n\nChannel 1: She's got a husband\n\nChannel 0: Lovely.\n\nChannel 1: and and a grand and given us a grandchild and\n\nChannel 0: Oh, beautiful.\n\nChannel 1: yeah.\n\nChannel 0: Rancho. Excellent. Do you have\n\nChannel 1: We're\n\nChannel 0: a boy,\n\nChannel 1: afraid.\n\nChannel 0: girl?\n\nChannel 1: Oh, boy.\n\nChannel 0: No. No. So I'm quite not. I've got my eldest two, 19 and 20, and my youngest is 10, so we're not quite\n\nChannel 1: Oh.\n\nChannel 0: there yet. We had a third a few years apart. But he is honestly really cool. I kind of like the boy as well as having girls. It's a very different vibe.\n\nChannel 1: Yeah.\n\nChannel 0: No.\n\nChannel 1: Very,\n\nChannel 0: That's beautiful.\n\nChannel 1: very different vibe.\n\nChannel 0: Yeah. How do you like being grandparents? I've always sort of thought, like, I'm sure that's coming up in the horizon for me, but how do you guys feel being grandparents? How do you like it? What's the\n\nChannel 1: It's\n\nChannel 0: the\n\nChannel 1: way\n\nChannel 0: vibe\n\nChannel 1: more fun\n\nChannel 0: feel?\n\nChannel 1: than being a parent. Way more\n\nChannel 0: I\n\nChannel 1: fun.\n\nChannel 0: bet.\n\nChannel 1: It's way better. Yeah. It's it's\n\nChannel 0: Oh, you\n\nChannel 1: way\n\nChannel 0: get to\n\nChannel 1: better.\n\nChannel 0: say yes.\n\nChannel 1: Yes. You get to just you don't have to be the the rule enforcer or any of that. You get to give them back, and you get all the love.\n\nChannel 0: Oh, I love that. You get to say yes all the time when mom would probably say no.\n\nChannel 1: Yep. Exactly.\n\nChannel 0: Oh, that is absolutely beautiful. I love that. That's fantastic. And beneficiary wise, in the event of passing, am I correct in assuming that if anything happened to either of you that you just want each other to receive the\n\nChannel 1: Yes.\n\nChannel 0: super benefits and any life portions paid out. Is that correct? Yep. Beautiful. I know I had all of this in your last two advice documents,\n\nChannel 1: Yeah.\n\nChannel 0: but because I'm doing it again, I'm gonna update all those aspects as well. So this will be a pretty big advice piece, but that's absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fine. It'll touch\n\nChannel 1: Yep.\n\nChannel 0: base on everything we've gone through and just update all of your circumstances as well. Okay?\n\nChannel 1: Yep. And looking\n\nChannel 0: It's\n\nChannel 1: at least at super two to see if it's worth air moving to HubBook 24 or leaving where it is or all of that.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Definitely. And that's the other thing I sorta wanted to touch base on was something I couldn't sorta touch base on before. So, obviously, with, Scott, you're and you're comfortable I just have to confirm, Scott, you're comfortable with me talking about your super. Are\n\nChannel 1: Yes.\n\nChannel 0: you happy with this? Yep. Perfect. Lisa, you're happy with me talking\n\nChannel 1: Vice\n\nChannel 0: about\n\nChannel 1: versa.\n\nChannel 0: your super balances and things?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Just wanna make sure I did the right\n\nChannel 1: No.\n\nChannel 0: thing by\n\nChannel 1: That's\n\nChannel 0: both.\n\nChannel 1: that's good.\n\nChannel 0: Essentially, with your super so, Scott, you're in Hub 24 at the moment. And one of the things, when we sort of did your advice, Lisa, we did recommend moving into Hub 24.\n\nChannel 1: Yep.\n\nChannel 0: One of the things I was not able to recommend at the time because I didn't have both of you there was linking your supers together. This is actually great because we can talk about that. Essentially, what we do, if I recommend it, I probably will because it works out better, but I will\n\nChannel 1: Yeah.\n\nChannel 0: still do my due diligence and go back and reassess. But in the back end, we can link your super accounts within Hub twenty four under what's called a family\n\nChannel 1: Yeah.\n\nChannel 0: fee aggregation. That links everything in the back end, and that means whenever you guys log in to your Hub 24, you can see both of your supers sitting there. You'll see\n\nChannel 1: Yeah.\n\nChannel 0: both of your\n\nChannel 1: Yeah.\n\nChannel 0: super balances. You can cross between the two. But doing that gives you the benefit of lowering your admin fees in the back end. So you get discounts on administration fees and things like that. It can actually reduce your fees, Scott, even more than what they have.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And then, obviously, it helps to reduce leases fees as much as possible as well. Are you both comfortable with me doing that?\n\nChannel 1: Yes. Yep. Definitely.\n\nChannel 0: Yep. Beautiful. There's another thing I do like to do when I'm talking to couples together as well, and I sort of initially plan to come back and talk to you about it as well. But we can also add what's called a third party ex sorry. Third an external third party authority.\n\nThat essentially means that we put that on file for both of you. So if something happens, it means that, Lisa, you can call and talk to us about Scott Cooper and get information and reports and things like that. But it also\n\nChannel 1: Yes.\n\nChannel 0: means,\n\nChannel 1: Fine.\n\nChannel 0: Scott,\n\nChannel 1: Yeah.\n\nChannel 0: you can do that for laces.\n\nChannel 1: Yep.\n\nChannel 0: I like\n\nChannel 1: That'd\n\nChannel 0: to\n\nChannel 1: be\n\nChannel 0: kind\n\nChannel 1: good.\n\nChannel 0: of put that for because if one of you unwell in hospital or something's happening, it means that you can call and talk to us. You can't make changes on each other's behalf, but it does mean that we can sort of liaise with each of you, and it tends to work really well for couples. Would you like us to apply that to this to our file for each of you as well?\n\nChannel 1: Yes, please.\n\nChannel 0: Yep. Beautiful. Lovely. I'll get those done up and sent through to you guys before we do the advice. So that way, we can have them set up on the file.\n\nThat way, in the meantime, if any of you have any questions or need anything, you can still liaise with us. The e t p a is on file and active for the each of you. Okay?\n\nChannel 1: Cool.\n\nChannel 0: Beautiful. Excellent. As I kinda mentioned before, we do have a new there are new AML legislative requirements. So before providing the advice, now I do have to get a copy of your ID, Lisa. So I'm gonna send\n\nChannel 1: Yeah.\n\nChannel 0: through a link, and so it looks like your ID on file has expired as well. So what I'm\n\nChannel 1: Yes.\n\nChannel 0: gonna do is I've gotta generate a link to send through to you both just to get an AML completed to get your ID done. I'll see if I can log in to this for you while I have you on the phone here because it's the first time I've actually used this. I do apologize. Beautiful. So this is just a secure way.\n\nSo what we used to do is we used to just ask you via text message or email to provide a copy of your ID. Doing it this\n\nChannel 1: Yes.\n\nChannel 0: way is much more secure for you both. It's essentially the system sends you an email link. It asks you to follow the prompt just to take, like, photos of your back in front of your ID and generally yourself as well. And this way, it's much more secure, so we're not getting anything via text message. This is all approved by the f triple a, so the Financial Planning Association of Australia in unison with ASIC.\n\nSo it's much better for you to do it this way. I'm just\n\nChannel 1: No\n\nChannel 0: gonna\n\nChannel 1: worries.\n\nChannel 0: go in, sorry, and set it up because I have to prompt it to send through to you, and I've gotta answer a couple of questions to begin with. Sorry. It won't be two seconds. Just logging in. My computer's a little bit slow this afternoon.\n\nThere we go. Oh, it's not working. Sorry. It's still telling me there's an error. I had trouble I was logging into this yesterday to test it for you before I sent it through, but it's still causing a problem for me.\n\nCome on there. Alright. Still not working. Done. That's okay.\n\nIf it's okay, I will get this updated. There seems to be a problem with the login, and I think it's on the end of the the system. If it's\n\nChannel 1: Yep.\n\nChannel 0: okay, can I get Maddie to follow-up with you both just to kinda send that link out and get a\n\nChannel 1: Yep.\n\nChannel 0: copy of your ID organized through price, the advice being completed? Is that absolutely\n\nChannel 1: Yep.\n\nChannel 0: okay with either of you?\n\nChannel 1: Yeah. Not at all.\n\nChannel 0: Yep. Fantastic. I'm so sorry about that. I love technology\n\nChannel 1: That's okay.\n\nChannel 0: when it wants to work for us. All good. Now the other thing to have a chat about is the insurance side of things as well. So in the original advice piece, so, Lisa, with your advice piece, you have your life, your TBD. I'll double check, and I'll get you to resend me an updated statement for your super funds with the updated balances and insurance side of things.\n\nBut you had about a 106,000 in life and TBD within Brighter Super there, and we were recommending to retain your income protection through your employer because that was a fantastic policy.\n\nChannel 1: Yeah.\n\nChannel 0: The main sort of reason for retaining the life and TPD was that you were comfortable with the amount of cover looking at your balance plus the life cover if anything had happened based on the loan that you still had owing that was gonna cover the mortgage side\n\nChannel 1: I'm\n\nChannel 0: of things, and you were fairly happy with that. Do you feel like you wanna look at any additional insurances, insurances, or are you still happy with that 106,000 more focused on getting super balance increased? What's your thoughts?\n\nChannel 1: I'm still happy to keep it. Yes.\n\nChannel 0: Still\n\nChannel 1: Yeah.\n\nChannel 0: happy to keep it? Yep. Beautiful. Excellent. That's okay.\n\nExcellent.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. Excellent. And we'll still look to retain the income protection policy. That was actually a really fantastic policy. I really enjoyed researching that one.\n\nThat policy, even when you drop your hours, there should be no change. That policy, that will still stay in place as it is. Do you know if there's any changes that would be expected with that income protection policy aside\n\nChannel 1: No.\n\nChannel 0: from\n\nChannel 1: There shouldn't\n\nChannel 0: the amount\n\nChannel 1: be.\n\nChannel 0: they would pay? No. That's okay. Should say beautiful. I still have the PDF documents, though.\n\nI'll still just run through just to make sure that everything is still okay if you drop your hours there.\n\nChannel 1: Yep.\n\nChannel 0: The other thing we did talk about initially was trauma. So trauma, if you decide to take on trauma, isn't more of an out of pocket expense. Unlike life, PPD, income protection, you can't hold trauma inside super. Trauma tends to pay out a lump sum tax free benefit in the event that you'll stay diagnosed with, say, Parkinson's, MS, or neurological conditions. Cancer's a big one.\n\nAlso, heart attacks and strokes tend to pay out as well. Did you wanna look at getting a level of trauma to cover you in the event of something major occurring, or are you happy just to keep the covers you have not worry about trauma? How do you feel there, Lisa?\n\nChannel 1: Do I have trauma in mind? Or\n\nChannel 0: You don't.\n\nChannel 1: Oh, no.\n\nChannel 0: I'll\n\nChannel 1: Yeah.\n\nChannel 0: pull up yours. Sorry. Two seconds. I'll just pull it up. I do have your policy here.\n\nI'm pretty sure you don't. I'm pretty sure you just\n\nChannel 1: Yep.\n\nChannel 0: have the license EPD and some income protection.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Scott\n\nChannel 1: Need compensation. That's the one I got. Yeah. Yeah.\n\nChannel 0: Yes. It's got yours. It's with Zurich, and you've got 300 and sorry. 525,000 of life and TBD, and then\n\nChannel 1: Yep.\n\nChannel 0: you've got income protection as well.\n\nChannel 1: Yeah. No. That's good.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. No. I don't think\n\nChannel 0: Yeah.\n\nChannel 1: we either of us what do you reckon you don't need? No. No. We don't need\n\nChannel 0: No.\n\nChannel 1: trauma.\n\nChannel 0: That's okay. All good. Happy with not having it, Scott. Easy. Income wise, your income protection was based on, obviously, your last\n\nChannel 1: Yep. Oh, yeah.\n\nChannel 0: income. You've dropped your hours pretty significantly there. Did you want me to review the level of income protection and maybe look to reduce that back if it's if if you're a bit over insured at the moment?\n\nChannel 1: Yes. Yep. That'll save\n\nChannel 0: Yep.\n\nChannel 1: us some money. So\n\nChannel 0: Yeah. Absolutely. I mean, with your life, TPD, and income protection, they're all paid out of super, which is a benefit because it means that you don't have to pay those premiums out of your back pocket. However, because they are paid out of super, it does mean that it does have an effect. That does lower the amount of super we'd\n\nChannel 1: Yeah.\n\nChannel 0: expect you to end up in retirement. And all insurance premiums tend to get more expensive as you get older. So these will continue to get more expensive, which has a greater effect. So we will definitely wanna make sure we review them with you and try to reduce them back as you no longer need that level of cover. Because I have seen people in their, you know, fifties and sixties who are paying phenomenal premiums.\n\nI'm talking,\n\nChannel 1: Yep.\n\nChannel 0: like,\n\nChannel 1: Yep.\n\nChannel 0: $10.15, $20,000 in premiums. So we\n\nChannel 1: Well,\n\nChannel 0: just wanna make sure that you guys are not having all your\n\nChannel 1: overpaying.\n\nChannel 0: super easy way. Yeah. Correct.\n\nChannel 1: Well, even\n\nChannel 0: Correct.\n\nChannel 1: needs 525 in cover.\n\nChannel 0: Well,\n\nChannel 1: Okay.\n\nChannel 0: let's\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: Like,\n\nChannel 0: a\n\nChannel 1: that's\n\nChannel 0: look at that. Yes.\n\nChannel 1: yeah. Because that's\n\nChannel 0: So\n\nChannel 1: that was when we had a pretty big home loan. I just wanted to make sure Lisa was right. But\n\nChannel 0: yeah.\n\nChannel 1: We\n\nChannel 0: Correct.\n\nChannel 1: may not even\n\nChannel 0: Correct.\n\nChannel 1: know by the time. So we could probably drop that into a just so she gets something. But\n\nChannel 0: Yeah. Correct. So let's have a look at your super balance and see where that's up to. So given that your mortgage is basically fully off offset, even if you do, say, take a bit of money out, you said you'd probably take about 100,000 out of that for the the purchase of the caravan or the the motor home.\n\nChannel 1: Yep. Yeah. Possibly about 50 to 100.\n\nChannel 0: Yeah. So just looking at things, that realistically means in the event of, say, you passing away, in order to be debt free, it'd be looking to pay off that portion of the mortgage that you do use, but then also the car loans if it's within that time frame.\n\nChannel 1: Yes. So it's just gonna be out of that\n\nChannel 0: So\n\nChannel 1: pretty much. Yeah. So, yeah, it could\n\nChannel 0: yeah.\n\nChannel 1: probably be a lot more.\n\nChannel 0: I'm just\n\nChannel 1: Yes.\n\nChannel 0: logging\n\nChannel 1: It\n\nChannel 0: in\n\nChannel 1: might\n\nChannel 0: to\n\nChannel 1: that\n\nChannel 0: HubSpot\n\nChannel 1: might pay\n\nChannel 0: real\n\nChannel 1: to drop\n\nChannel 0: quick.\n\nChannel 1: that once we know what we're we're in for.\n\nChannel 0: Yeah. Absolutely. Absolutely. And\n\nChannel 1: Yeah.\n\nChannel 0: it comes down to your goal there. So when you look at your super balance at the moment, your balance as of today's date, you've got 699,532. So when we sort of look at this, if you were to pass away today\n\nChannel 1: Yeah.\n\nChannel 0: and say, at the moment, your mortgage is fully offset, so you don't\n\nChannel 1: Yeah.\n\nChannel 0: have to worry about paying that back. But then looking at the other debts that you do have, you've essentially just got the two car loans. So\n\nChannel 1: Yeah.\n\nChannel 0: 43\n\nChannel 1: Yeah.\n\nChannel 0: thousand and 70. So it's about a 113,000 that would have to be paid off in debt. So\n\nChannel 1: Yeah.\n\nChannel 0: $6.99 $5.03 2 minus a 113 essentially means with your super balance paid at as your life benefit. This is not factoring in any additional life insurance. It means that\n\nChannel 1: Yep.\n\nChannel 0: Lisa could then receive $586,005.32 plus you guys being fully debt free there.\n\nChannel 1: That's\n\nChannel 0: Realistically,\n\nChannel 1: for that insurance.\n\nChannel 0: do you\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Do you feel like that's enough? Do you feel like having a bit of life cover on top of that would provide more benefit? How do you feel about that sort of stuff?\n\nChannel 1: No. We could probably suck your cake. What do you want? K. Not for you because this is if I'm gone, is that enough for you to live off?\n\nI feel gone. I don't need as much to live off. Can you leave more extravagant than me? Sorry. We can\n\nChannel 0: You just\n\nChannel 1: probably because because that'll make the Some are basics. So if we drop that, that means that the soup is gonna grow quicker, isn't it? Yeah.\n\nChannel 0: Yes. Yes. Yeah. At\n\nChannel 1: Yep.\n\nChannel 0: the moment, based on the last valuation I have of your premium, it was 3,795 deducted from super for the insurance costs. I mean,\n\nChannel 1: Yeah.\n\nChannel 0: if you wanted to, I could look at even just halving the insurances to start with, and we maybe drop it to 250,000 to give you a base level of cover, and then we could always look to reduce it back. That would sort of mean that in the event of passing, if you had $2.50 and\n\nChannel 1: Yep.\n\nChannel 0: factoring in the fact that you wanna get that camper as well, so then say it would replace the 100,000 as a max on\n\nChannel 1: Yep.\n\nChannel 0: the loan\n\nChannel 1: That\n\nChannel 0: if\n\nChannel 1: sounds\n\nChannel 0: you redraw\n\nChannel 1: good.\n\nChannel 0: that off,\n\nChannel 1: Yep.\n\nChannel 0: plus the 113,000. That's $2.63. So the $2.50 would cover all your debts essentially. 10 yeah. There's, like, just a 13,000 left over to maybe come out of your super to benefit, but then it means that all of the super can be paid to Lisa as a benefit to sort of help her along.\n\nShe can, you know, put\n\nChannel 1: Yep.\n\nChannel 0: it aside, invest, whatever she wants to do. The money also paid as a death benefit doesn't have to be paid as a lump sum. So the way death benefits work is if you were to pass away, we help with the claim, but then you get the choice of taking the money out solely as a lump sum benefit, or it can stay in the super system, and it goes into a a death benefit for you as a pension. And you can be drawing that money out of the pension on a regular basis as regular income and keep it invested. So if one of you would have passed away, that's how your super benefit can be paid.\n\nYou get options on how you wanna do it, and we will help provide advice on how, obviously, to help keep it invested your income, or you can just take it as a lump sum. It's completely up to you. But\n\nChannel 1: Yep.\n\nChannel 0: that's generally how they work.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: I think we look at either halving it or getting rid of it altogether, like, maybe do the two scenarios\n\nChannel 0: Yes.\n\nChannel 1: because, you know, we're sitting pretty pretty well. So even Like, if it Like, if it makes a big impact on the If one of it passes,\n\nChannel 0: Mhmm.\n\nChannel 1: you know, everything the second car goes, the second bike goes, you know, everything can go because\n\nChannel 0: Yep.\n\nChannel 1: so I think yeah. Look. It's yeah. I'm not sure you need it. Yeah.\n\nYeah.\n\nChannel 0: Yep.\n\nChannel 1: Maybe definitely\n\nChannel 0: That's okay.\n\nChannel 1: definitely have it, but maybe and we'll see what it's worth. But, you know, that's the way\n\nChannel 0: Yep.\n\nChannel 1: I look at it is all that money going into my super is only gonna help it grow quicker than Especially now you're going\n\nChannel 0: Yep.\n\nChannel 1: half. Yeah. But I'm still paying I'm still paying extra. I'm still paying the full amount of super that I can every year. Yeah.\n\nI'll just pull that out of my wage.\n\nChannel 0: I can look at both if you like. What\n\nChannel 1: Yep.\n\nChannel 0: I could\n\nChannel 1: Yep.\n\nChannel 0: do to assess it is I can look at halving it. Because at the moment, because your income protection is together, you get the multi policy discount. So I'll look at\n\nChannel 1: Yeah.\n\nChannel 0: halving\n\nChannel 1: Right.\n\nChannel 0: the policy to $2.50, but then\n\nChannel 1: Yeah.\n\nChannel 0: I'll also look at canceling it. If it makes your income protection more\n\nChannel 1: Yep.\n\nChannel 0: expensive because it can, I'll keep the there.\n\nChannel 1: Yep.\n\nChannel 0: If I assess\n\nChannel 1: That sounds\n\nChannel 0: everything\n\nChannel 1: good.\n\nChannel 0: and it's better to cancel a life and TPD, the income protection doesn't go up as crazy, and this also\n\nChannel 1: Yep.\n\nChannel 0: helps your super balance projected forward, then I can always look to cancel it and justify that for you. Does that sound\n\nChannel 1: Yep. Yep.\n\nChannel 0: okay?\n\nChannel 1: That sounds great.\n\nChannel 0: Yep. Beautiful. I'll assess both options and let you know how we how it looks in the advice document. What I'll do in the advice document, I'll put down what I'm recommending we do, how and why the risks, disadvantages, as advantages as well. And then in the appendix, I can put the other alternative for you so you can see the difference.\n\nChannel 1: Yep.\n\nChannel 0: Does that sound\n\nChannel 1: Cool.\n\nChannel 0: okay? Yep.\n\nChannel 1: That\n\nChannel 0: Fantastic. Beautiful. And, Lisa, you may mention you're happy with the life and TPD, the the amount\n\nChannel 1: sounds great.\n\nChannel 0: you have within Brighter Super because you've also got your q super defined benefits still, and that does pay out a lump sum. Or it pays that either a lump sum or an income stream in the event of your passing. And that can\n\nChannel 1: Yeah.\n\nChannel 0: definitely go to Scott there as well. So your super balance is pretty pretty nice between the two, and that defined benefit is beautiful as well. Are you happy just for that life and t TPD amount?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Having a look the last advice piece we had just with the balances, and they definitely could have changed since then. So I will get some updated statements if that's okay just with the amounts as well as the insurance benefit amounts. But the\n\nChannel 1: Yep.\n\nChannel 0: amount we had within Brighter Super at the time of the last device was about $481,007.91. And\n\nChannel 1: I've\n\nChannel 0: then\n\nChannel 1: got\n\nChannel 0: in that\n\nChannel 1: I've\n\nChannel 0: sorry.\n\nChannel 1: got\n\nChannel 0: You're right.\n\nChannel 1: $5.17 $7.09 6 and 96¢ at the moment in my Brighter Super.\n\nChannel 0: Beautiful. And the q super balance was quite nice as well. But do you know what the what that would have indexed to or increased to since\n\nChannel 1: Yep. I'm just going in there now.\n\nChannel 0: that's\n\nChannel 1: These\n\nChannel 0: okay.\n\nChannel 1: are the wonderful apps that are a little bit slow.\n\nChannel 0: We had\n\nChannel 1: So\n\nChannel 0: one forty two six seven four in there last time.\n\nChannel 1: so one forty eight one one two and forty one cents.\n\nChannel 0: And 41¢. Beautiful. That's indexed quite nicely. That's fantastic. Love that.\n\nChannel 1: So that's on\n\nChannel 0: Beautiful.\n\nChannel 1: top of my $5.17, isn't it?\n\nChannel 0: It\n\nChannel 1: Yeah.\n\nChannel 0: is absolutely\n\nChannel 1: I keep\n\nChannel 0: so\n\nChannel 1: thinking\n\nChannel 0: both\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: have\n\nChannel 0: those\n\nChannel 1: a small amount,\n\nChannel 0: combined.\n\nChannel 1: and then I remember I've got two.\n\nChannel 0: Yeah. So with the defined benefit, that essentially is as we recommended before, I will not change or move that in\n\nChannel 1: Yeah.\n\nChannel 0: any way. It will just stay where it is for the time being. But\n\nChannel 1: Yep.\n\nChannel 0: as things change as you get older and we're able to look at moving it, we'll assess whether keeping it there or moving it and combining it works better for you and look at, you know, how that affects your super. But for the moment, keeping that exactly where it is, that is a beautiful super fund. I do love myself a good defined benefit. I do wish they had them. I asked my boss to set one up, and he told me no.\n\nBut they they are a really beautiful super fund.\n\nChannel 1: I pretty much have to keep that one there until I'm at least 55, it says. Otherwise, I lose, like, $20 out of that,\n\nChannel 0: Yes. Absolutely.\n\nChannel 1: which is\n\nChannel 0: And\n\nChannel 1: not worth\n\nChannel 0: even\n\nChannel 1: it.\n\nChannel 0: between even between 55 and 60, there are often tax consequences as well. So\n\nChannel 1: Yep.\n\nChannel 0: we can assess that at 55 and to see what the consequences look like and see we can get projected outcomes on or quotes on what it looks like if we transfer it across. But then we can also get that done at 60 to see what the difference is to make sure that you get the most of that benefit amount. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. Beautiful. Lovely. So just to kinda recap, I'll look at the supers. Scott, we have just made changes to your investments\n\nChannel 1: Euros. Yep.\n\nChannel 0: as well.\n\nChannel 1: Yep.\n\nChannel 0: They are doing very, very nicely, actually. So I'm also just gonna give you an update on the performance since we did that because that was a few months ago now.\n\nChannel 1: Yep.\n\nChannel 0: So looking back sorry. It's just loading the report for me. Still loading. Sorry. Goodness.\n\nIt is\n\nChannel 1: We're just laughing at the young fella at the door trying to make his way in. We've got the door closed?\n\nChannel 0: Oh goodness. This is taking a long time to load. Definitely shouldn't be taking that long. That's loading. So I'll let it load for a minute.\n\nHub 24 is feeling a little bit slow this afternoon. That's okay. While that is loading, I'll just sort of go through your risk profiles as well. So I don't wanna go through the 14 questions there with you, Lisa, and make you answer all\n\nChannel 1: Yeah.\n\nChannel 0: those again. But, essentially, just wanted to kinda reclarify that they are comfortable for you and give you the information on how they work, what the risk profile all asset allocations are, and talk about the appropriateness of them for you both. So, Scott, you're in that growth environment.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Lisa,\n\nChannel 1: At\n\nChannel 0: I'm\n\nChannel 1: link\n\nChannel 0: pretty\n\nChannel 1: dot\n\nChannel 0: sure you scored the same. I'm\n\nChannel 1: Same.\n\nChannel 0: just double checking.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. You did. Yeah. So the growth environment suits someone who is wanting to access their super no earlier than six years to someone who's wanting to keep their funds invested for six years or longer. So it does suit the time horizon that you both definitely have.\n\nIt normally sees about 80% of your super invested in growth assets. So think about things like Australian shares, international shares, listed property, and also commodities, and then the other 20% in lower risk defensive investments like cash, bonds, and fixed interest. If you consider the risk level out of, say, five, five being the highest risk level, all money in those high risk assets, one being the lowest that's sitting all in cash, you're sitting at about a three. So you're kind of in that middle range there. The growth portfolio generally expects the likelihood of a negative return, say, one in every five years.\n\nThe expected returns that you're sort of wanting to achieve on a yearly basis, compound and forward, is between seven to 9%. So anything under that 7% for the year, the portfolio has underperformed. If we are getting those sorts of lower returns, we wanna make sure that the market as a whole has also been down. That way, it sort of shows that the return being lower is because of market reactions, not because portfolio hasn't performed. If that's the case, it means that there's something wrong with the portfolio, not the market as a whole.\n\nChannel 1: Yep.\n\nChannel 0: And then anything over 9% is essentially an overperformance there. A lot of the portfolios do get more than 9%. Overperformance there. A lot of the portfolios do get more than 9% or have averaged more than 9%, and we wanna aim for the best possible return. But we sort of look at the seven to 9% as an average of what you should be able to achieve in that risk profile given the risk you are taking and the type of asset allocation that you have.\n\nDoes that make sense? Do you have any questions? Do you both feel comfortable in that sort of\n\nChannel 1: Yep. Maybe maybe down the track as we get on, we might drop to a from a three to a two sort of thing, like, a slightly safer, but, yeah, we'd like to get the balance up too. Like,\n\nChannel 0: Absolutely.\n\nChannel 1: we'd like to get our balance\n\nChannel 0: Yes.\n\nChannel 1: up higher.\n\nChannel 0: Absolutely. And, normally, because of with this risk profile, it does fit a six year time horizon. I\n\nChannel 1: So\n\nChannel 0: normally would not want you to be in this for any longer than you need to be. So when you do get about sort of six years out, we do wanna look at maybe reducing the risk level a bit for you guys, and we start to reduce it in increments. So we step down generally in 10% increments. That way, it's not a drastic change to your risk level, your portfolio, but it steps you down in increments towards being lower risk towards your comfort level at that retirement age. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. Are you both fairly comfortable looking at the growth portfolio? You're welcome to let me know if you're not. You're welcome to\n\nChannel 1: No.\n\nChannel 0: ask any additional questions if you\n\nChannel 1: Like,\n\nChannel 0: have\n\nChannel 1: now we're happy for it to to grow and\n\nChannel 0: them.\n\nChannel 1: grow it as much as we can.\n\nChannel 0: Yep. That's okay. You're comfortable in that environment there, Lisa, still?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Beautiful. All good. Hub 24 just timed out on me, so I'm just gonna redo that portfolio for for you so that that hopefully it loads. Here we go.\n\nThis one loaded faster. Alright. So having a look at things, since we did make the changes that Scott looking at the last three months, your\n\nChannel 1: Yep.\n\nChannel 0: portfolio wow. Your portfolio has made a return of 7.50% after fees.\n\nChannel 1: That's cool. Yep.\n\nChannel 0: That is in\n\nChannel 1: Off\n\nChannel 0: three\n\nChannel 1: expenses.\n\nChannel 0: months. Yeah. Yeah. That essentially shows so when we look at the\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: returns, we're looking at growth plus income, and it's generated growth plus income in the last three months of 50,523. So it is a good return.\n\nChannel 1: Yes. Cool. Imagine\n\nChannel 0: Good\n\nChannel 1: what\n\nChannel 0: to\n\nChannel 1: I'll do\n\nChannel 0: see.\n\nChannel 1: for\n\nChannel 0: Good\n\nChannel 1: you. Yeah.\n\nChannel 0: yeah. And, look, honestly, I don't expect us to do that every year.\n\nChannel 1: Yeah.\n\nChannel 0: We made\n\nChannel 1: Yep.\n\nChannel 0: the changes in the portfolio. That's had a really good effect, and I'm pretty stunned that that return is in a three month period. Normally, in a three month period, you don't see more than, say, one, two, or maybe 3%. But\n\nChannel 1: Yep.\n\nChannel 0: as your balance increases, smaller changes to your portfolio make bigger bigger returns, and smaller changes have a bigger effect on your super. So that is a really great change. Really happy with that, and it does show you the newer portfolio is working better for you as well. So that\n\nChannel 1: Cool.\n\nChannel 0: is really good. Yeah. Excellent. All good. So just to kind of reiterate around the advice scenario, we're scoping in and looking at super for you both, making sure that's got your super and the portfolio is working forward well,\n\nChannel 1: It's\n\nChannel 0: looking\n\nChannel 1: just\n\nChannel 0: at\n\nChannel 1: looking\n\nChannel 0: your\n\nChannel 1: like\n\nChannel 0: new\n\nChannel 1: it is.\n\nChannel 0: current yeah. Looking at your new current income. And are you still wanting me to factor in additional contributions if\n\nChannel 1: Yes.\n\nChannel 0: they need\n\nChannel 1: Yep.\n\nChannel 0: to be made to cover? Yep.\n\nChannel 1: I'll\n\nChannel 0: Cool.\n\nChannel 1: I'll yeah. I'll make whatever the maximum you can use,\n\nChannel 0: Yep.\n\nChannel 1: I think, every year. So that way, it\n\nChannel 0: Yep.\n\nChannel 1: doesn't my that way cutting back half time doesn't really affect the super Awesome.\n\nChannel 0: Yep.\n\nChannel 1: Is what I Hasn't\n\nChannel 0: Yep.\n\nChannel 1: it?\n\nChannel 0: Lovely.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. That's okay. Did you want me to include that as, say, salary sacrifice, or did you wanna sort of hold off until the end of the financial year and do it as a lump sum? What would you\n\nChannel 1: What's\n\nChannel 0: sort\n\nChannel 1: the\n\nChannel 0: of what\n\nChannel 1: what what's\n\nChannel 0: are you comfortable\n\nChannel 1: what's easier?\n\nChannel 0: with?\n\nChannel 1: What's\n\nChannel 0: Honestly,\n\nChannel 1: better?\n\nChannel 0: salary sacrifice works out better because you're putting more more amounts in on a regular\n\nChannel 1: In more\n\nChannel 0: basis.\n\nChannel 1: often. Yep. That's\n\nChannel 0: Correct.\n\nChannel 1: true. Yep.\n\nChannel 0: And then\n\nChannel 1: That's\n\nChannel 0: you dollar\n\nChannel 1: yep.\n\nChannel 0: cost averaging. That provides a much greater effect long term. If you're comfortable with that, that's what\n\nChannel 1: Yep.\n\nChannel 0: we'll look at for you. Yep.\n\nChannel 1: Yep. Because that way, then when I\n\nChannel 0: Beautiful.\n\nChannel 1: get on my bench, when I get on my bank, that's sort of\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Absolutely. Fantastic. I'll assess what you have to cover the cap. I do sometimes, depending on discrepancies with income, I do tend to maybe leave, like, a 1 or $2,000\n\nChannel 1: Yep.\n\nChannel 0: gap depending\n\nChannel 1: So you don't\n\nChannel 0: on\n\nChannel 1: go\n\nChannel 0: what\n\nChannel 1: over?\n\nChannel 0: it is. Correct.\n\nChannel 1: Yep.\n\nChannel 0: But I'll just make sure that we sort of factor that in for you and show you what that looks like.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Lisa, so with yours, again, looking at your super with your rider super, we'll definitely have to retain the Qsu, but I'll factor that into the advice there for you the same as I did last time.\n\nChannel 1: Yep.\n\nChannel 0: Last time, we did look at the SMA. I might even just look at that again if that's okay for the investments, but I'll also look at the same sort of investment portfolio that Scott is in because that\n\nChannel 1: Yeah.\n\nChannel 0: might actually provide a greater benefit to you. Are you comfortable with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Beautiful. And you want me to look at your income to determine if you're able to drop back to 50% hours as well, cover\n\nChannel 1: Yeah.\n\nChannel 0: expenses for the two of you, and also look at whether you're able to then cover contribution gaps\n\nChannel 1: Yep.\n\nChannel 0: and build super towards your time. Am I on the right track? Do I have that correct?\n\nChannel 1: Yes. Yes. Yep. So pretty much to be in the same position as Scott. So yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yes. Salary\n\nChannel 0: Yep.\n\nChannel 1: sacrificing as well and making sure we can still live.\n\nChannel 0: Yep.\n\nChannel 1: It's not all\n\nChannel 0: And still\n\nChannel 1: whip her\n\nChannel 0: live.\n\nChannel 1: and make her work till she's 50.\n\nChannel 0: I love that. I love it. No. All good. Excellent.\n\nWith the insurance side of things, Scott, I'll look at yours, what you have now, look at your income protection, factor into your income, and work out whether we need to reduce the rate so that you have the maximum benefit, that you're not over insured and not overpaying for the income protection side of things.\n\nChannel 1: Yep.\n\nChannel 0: I'll also look at the life and TBD, look at halving the level and also canceling, look at what that does projected outcome as well as, cost of your insurances, and look at\n\nChannel 1: Yep.\n\nChannel 0: whether we can just reduce the half or get rid of completely. But, realistically, if anything was to happen, goal wise insurances, you're both just wanting to make sure any debts that you have that's factoring in the 100,000 taken off the loan for the purchase of the motor home as well as your current vehicle loans is covered, and then funds are provided to your to your spouse as a benefit. Is that right? Am I on the track? Did you wanna add anything to that goal at all?\n\nChannel 1: No. That's good.\n\nChannel 0: Nope. That's okay. Excellent. Beautiful. We're not looking at trauma.\n\nAnd, Lisa, for your insurance, as you're happy with the amount you have in Brighter Super, just looking at trying to transfer that over where possible, and then also just making sure everything's projected forward. Your super is correct. Link everything in the back end to lower fees as much as possible as well and retain your q super. You'd happy to retain your income protection with your employer there as well, and no trauma for each of you. Does that sound right?\n\nChannel 1: Yep. Yes.\n\nChannel 0: Yep. Beautiful. Fantastic. We're happy to stay in a growth portfolio environment for the time being, looking at the best way to move things forward, salary sacrifice for both of you there, and then beneficiaries, making sure that everything is directed to each other in the event of passing prematurely. Is that correct?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. Excellent. Is there anything else that I might have missed that you might want me to factor in for you?\n\nChannel 1: The only other thing is the super for me, brighter super is still under Lisa Bergen.\n\nChannel 0: Okay. We'll need to update that for you. Then Easy. Not a problem at all. What we will do is I'll factor that into the device.\n\nWe'll have your name updated. It's not a problem\n\nChannel 1: Yep.\n\nChannel 0: at all. As\n\nChannel 1: Yep.\n\nChannel 0: part of the implementation process, we'll just get a copy of your marriage certificate. We'll do the ID side of things, and we'll get the forms sorted and over to them so we can help you change the name prior to, transferring any funds over to hub twenty four, but we can help you with that process. That's not a problem at all. Okay?\n\nChannel 1: Cool. Sounds good.\n\nChannel 0: Excellent.\n\nChannel 1: And and, yeah, with with signing up, obviously, I'm I'm happy to go ahead with signing up. So whatever I need to do to\n\nChannel 0: Yep.\n\nChannel 1: do that, just just let me know and I'll sign whatever\n\nChannel 0: Yep.\n\nChannel 1: needs to be signed.\n\nChannel 0: Abs absolutely all good. Just with the fee structure now, it is exactly implementation\n\nChannel 1: Yep.\n\nChannel 0: fee for yourself, Lisa, was $4.09 $5.00. That is deducted out of your super at the initial role over there. Scott, you're already a client, so there's no implementation fee for your side of the advice.\n\nChannel 1: Yep.\n\nChannel 0: And then the ongoing service fee for the first year is 1.10%. We obviously do reviews with you and then, you know, go through the fee structure each year. If there's any changes down the track, I'll talk you through that before we agree to anything. But it's 1.10 for you as the couple fee currently. And then once you come on board, Scott also gets reduced from the 1.65.\n\nDoes that make sense? Do you have any questions currently?\n\nChannel 1: Nope. It's good. All good.\n\nChannel 0: No. Fantastic. Excellent. And what I'll do is I'll get Maddie to update\n\nChannel 1: Yeah.\n\nChannel 0: to go\n\nChannel 1: What\n\nChannel 0: in\n\nChannel 1: do you\n\nChannel 0: and\n\nChannel 1: slip?\n\nChannel 0: help me with the the ID side of things. Yep. We'll\n\nChannel 1: Yep.\n\nChannel 0: get that link. She might just need to call you to get the information from your Lisa for the ID link to send out, but we'll try and work on that hopefully tomorrow. And I'll see\n\nChannel 1: No\n\nChannel 0: if\n\nChannel 1: worries.\n\nChannel 0: Maddie can give you a hand with that one. We'll see if we can log in to it okay.\n\nChannel 1: Yep. All good.\n\nChannel 0: Excellent. Is there any additional questions or anything that you guys think I might have missed or anything else that you need to bring up or any questions\n\nChannel 1: No.\n\nChannel 0: that have come out of any of that?\n\nChannel 1: No. That works good. Pretty good. Keeping up.\n\nChannel 0: Fantastic. And what I'll do is I'll also just send you an email. If you can send me, Lisa, a copy of your super statements for your Brighter Super, your QSuper showing the balances, and also the insurances for Brighter Super. And if I can get both of you just to send me a copy of your most recent payslip as well, I just need all\n\nChannel 1: Okay.\n\nChannel 0: of that to be able to go forward and do the research and just double check all the figures and make sure everything marries up for you both. Okay?\n\nChannel 1: Okay. So my payslip, do you want the latest one I've currently got, or I gotta go to work and send so I'll come back at work for a fortnight,\n\nChannel 0: Okay.\n\nChannel 1: probably. So do you want the the latest latest one? Or I've got one from a I think it's I think it's the same. I think it's the same. Same pay, same\n\nChannel 0: It they're both exactly the same. Just the most recent one you've got will be\n\nChannel 1: you've\n\nChannel 0: absolutely\n\nChannel 1: got yeah.\n\nChannel 0: fine.\n\nChannel 1: Cool.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Because\n\nChannel 0: Don't\n\nChannel 1: That\n\nChannel 0: want\n\nChannel 1: shows\n\nChannel 0: you\n\nChannel 1: it\n\nChannel 0: to\n\nChannel 1: shows\n\nChannel 0: have to go\n\nChannel 1: my\n\nChannel 0: in and\n\nChannel 1: yeah.\n\nChannel 0: yeah.\n\nChannel 1: And it shows manual salary and and yeah. And and,\n\nChannel 0: Yep.\n\nChannel 1: yeah, what what my take home is each week and all that.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. That's absolutely perfect. I'll send the absolutely perfect. I'll send the email now so you can shoot those back whenever you got a second. We'll get cracking on the research there for you.\n\nI do kind of expect it to take me about four weeks\n\nChannel 1: That's\n\nChannel 0: to\n\nChannel 1: fine.\n\nChannel 0: complete the research correctly. I'd love to book you both in now so we have that time slot set. So in four weeks, we are at oh, yep.\n\nChannel 1: Alright.\n\nChannel 0: August already, nearly. One, two, three, four. That brings us to the first week of September. I am fully open that week. What day would suit you both to go through the advice piece together?\n\nChannel 1: Any day, yeah, I'm fine. Free too. So In the afternoons.\n\nChannel 0: Yep.\n\nChannel 1: Any any afternoon?\n\nChannel 0: I actually work late till 7PM on a Thursday. Would you like me to book it for then?\n\nChannel 1: Yep. Sounds good. Yep. Sounds\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Beautiful. And would you prefer four, 04:30, 05:00, 05:30? What time suits you best in the afternoon to go through it together?\n\nChannel 1: Maybe five. Yeah. Good. Five 05:00 would be great.\n\nChannel 0: Yep. Absolutely. Fantastic. So I'll book it in for 5PM there for you. That is Thursday, September 3, and I will make sure everything is up to date and completed by then.\n\nThe only other thing, just to sort of reconfirm for you, Lisa, is just the pre assessment that we did. Just need to run through a couple of questions with regards to transfer terms as the cover just to make sure that we've done all of that correctly research wise. And before I do go through those questions, I have to read you a\n\nChannel 1: It's gonna get turned out quickly.\n\nChannel 0: Sorry, guys. I'm nearly done. I promise. So alright. So I've got the pre assessment questions here in front of you.\n\nI just gotta read the duty of disclosure. So just because these questions will also factor into the application side of things. I know Maddie would have gone through them with you last time, but this is just sort of updating to make sure there's no changes to your circumstances there. But with the\n\nChannel 1: Yep.\n\nChannel 0: duty of disclosure and reasonable care. So it says when applying for insurance, it is important that you answer the following questions. To the best of your knowledge, as the applicant, you have a legal duty to take reasonable care not to make a misrepresentation to the insurer before the contract of insurance is entered into. If this duty is not met, it can have a serious impact on your insurances such as your policy may be voided, or the terms of your contract may be changed, declined, or the benefit reduced. More information about the duty to take reasonable care can be found in the product disclosure statement, which I will provide with the advice document for you.\n\nI can also attach to the email shortly if you'd like a copy prior. Do you understand your duty of reasonable care?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. And privacy policy, when we get to the application side, do you consent to us providing your and collecting your personal information for the use of applying for insurances or transferring insurances in accordance with the insurance privacy policy?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Excellent. Now the questions for this are nice and simple ones. It says, are you currently off work or unable to perform your normal full time duties of your occupation on a full time basis?\n\nSo no\n\nChannel 1: No.\n\nChannel 0: your normal duties. No. Beautiful. Excellent. The next one here is, have you in the last twelve months been absent from work or unable to perform your duties of your usual occupation or been unable to perform any domestic duties, anything other than being off work for, say, six days with a cold or a\n\nChannel 1: No.\n\nChannel 0: flu? No. Fantastic. The next one here says, have you been diagnosed with or do you suffer from an illness that may cause inability to work, or have you been diagnosed with a terminal illness?\n\nChannel 1: No.\n\nChannel 0: No. Fantastic. Have you ever had an insurance application for death, death and TBD, terminal illness, or income protection, or accident and sickness ever refused?\n\nChannel 1: Nope.\n\nChannel 0: No. Fantastic. Have you ever been paid, or are you eligible to be paid, or are you currently in the process of submitting a claim for any illness or injury through the workers' compensation fund, government benefits, or any insurance policy providing terminal illness, TBD, income protection, or accident or sickness cover?\n\nChannel 1: No.\n\nChannel 0: No. It's beautiful. And have you ever had an insurance application for death death and total permanent disability, income protection, terminal illness cover modified or offered on nonstandard terms.\n\nChannel 1: No.\n\nChannel 0: No. Beautiful. Thank you so much for that. So sorry. Those are very wordy.\n\nThey're small questions,\n\nChannel 1: That's\n\nChannel 0: but they're\n\nChannel 1: okay.\n\nChannel 0: very wordy.\n\nChannel 1: My answers are the same as when I did the pre assessment, so\n\nChannel 0: I love it. Thank you so much for that. That's\n\nChannel 1: nothing\n\nChannel 0: the only part\n\nChannel 1: changed.\n\nChannel 0: of the pre assess beautiful. That's the only part of the pre assessment we need to essentially look at for you.\n\nChannel 1: Cool.\n\nChannel 0: Now I'm just confirming. So you currently work a thirty eight hour week. If we drop that to half, you'd be working about nineteen hours per week. Beautiful. That's the only other thing I'll double check with the insurer and the terms is making sure that that many hours is fine.\n\nIt shouldn't be a problem because it's only life and TPD that we're transferring. It doesn't have income protection effects, so that's okay. That is honestly everything I need at the moment. If I do have any additional questions, I will make sure I contact you. But thank you so much for your time.\n\nI'm sorry. It's been a long call. Just want to make sure we touch on everything for you guys, and I'll get this advice document ready. I'll send you the email shortly, and Maddie will follow-up there with the the ID checks for you both. Okay?\n\nChannel 1: Awesome. Cool.\n\nChannel 0: Easy. Thank you so much. I'll let you go to enjoy your dinner. Sorry\n\nChannel 1: Alright.\n\nChannel 0: about the\n\nChannel 1: I\n\nChannel 0: time. Thank you so much for your time. I really appreciate it. Have a good night. Thank you.\n\nChannel 1: Yeah. Yeah. Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Francisco speaking.","start":0.32,"end":1.22,"sentiment":"neutral","sentiment_score":0.00940638966858387}],"sentiment":"neutral","sentiment_score":0.00940638966858387,"channel":1,"num_words":2,"start":0.32,"end":1.22},{"sentences":[{"text":"Hi.","start":13.759999,"end":13.965,"sentiment":"neutral","sentiment_score":0.10207577049732208},{"text":"Good afternoon, Scott.","start":14.045,"end":14.845,"sentiment":"neutral","sentiment_score":0.2571992476781209},{"text":"This is Dana from Okey Financial.","start":14.845,"end":16.385,"sentiment":"neutral","sentiment_score":0.16444335132837296},{"text":"Can you hear me at all?","start":16.445,"end":17.665,"sentiment":"neutral","sentiment_score":0.06915752651790778}],"sentiment":"neutral","sentiment_score":0.14220492378808558,"channel":0,"num_words":16,"start":13.759999,"end":17.665},{"sentences":[{"text":"Yeah.","start":18.055,"end":18.375,"sentiment":"neutral","sentiment_score":0.03753865510225296},{"text":"I can hear you.","start":18.375,"end":19.175,"sentiment":"neutral","sentiment_score":0.028766455128788948},{"text":"I","start":19.175,"end":19.335,"sentiment":"neutral","sentiment_score":-0.004165172576904297}],"sentiment":"neutral","sentiment_score":0.024739883840084076,"channel":1,"num_words":6,"start":18.055,"end":19.335},{"sentences":[{"text":"Oh,","start":19.325,"end":19.825,"sentiment":"neutral","sentiment_score":-0.02459467202425003}],"sentiment":"neutral","sentiment_score":-0.02459467202425003,"channel":0,"num_words":1,"start":19.325,"end":19.825},{"sentences":[{"text":"don't know.","start":19.335,"end":20.075,"sentiment":"neutral","sentiment_score":-0.03592258505523205},{"text":"You you got me?","start":21.735,"end":22.715,"sentiment":"neutral","sentiment_score":-0.02516604447737336}],"sentiment":"neutral","sentiment_score":-0.028751558003326256,"channel":1,"num_words":6,"start":19.335,"end":22.715},{"sentences":[{"text":"I have.","start":22.925,"end":23.485,"sentiment":"neutral","sentiment_score":-0.008939942345023155},{"text":"Yes.","start":23.485,"end":23.885,"sentiment":"neutral","sentiment_score":0.03126010298728943}],"sentiment":"neutral","sentiment_score":0.004460072765747706,"channel":0,"num_words":3,"start":22.925,"end":23.885},{"sentences":[{"text":"I can.","start":23.494999,"end":24.235,"sentiment":"neutral","sentiment_score":0.02975125703960657}],"sentiment":"neutral","sentiment_score":0.02975125703960657,"channel":1,"num_words":2,"start":23.494999,"end":24.235},{"sentences":[{"text":"So sorry.","start":23.885,"end":24.605,"sentiment":"neutral","sentiment_score":-0.08579546771943569},{"text":"There was, like, there was nothing there.","start":24.605,"end":26.205,"sentiment":"neutral","sentiment_score":-0.17617101967334747},{"text":"I do apologize","start":26.205,"end":27.025,"sentiment":"neutral","sentiment_score":-0.09157042702039082}],"sentiment":"neutral","sentiment_score":-0.1399582795177897,"channel":0,"num_words":12,"start":23.885,"end":27.025},{"sentences":[{"text":"Yep.","start":26.855,"end":27.355,"sentiment":"neutral","sentiment_score":-0.07095467299222946}],"sentiment":"neutral","sentiment_score":-0.07095467299222946,"channel":1,"num_words":1,"start":26.855,"end":27.355},{"sentences":[{"text":"about that.","start":27.085,"end":27.904999,"sentiment":"neutral","sentiment_score":-0.08613528311252594}],"sentiment":"neutral","sentiment_score":-0.08613528311252594,"channel":0,"num_words":2,"start":27.085,"end":27.904999},{"sentences":[{"text":"Yeah.","start":27.415,"end":27.915,"sentiment":"neutral","sentiment_score":-0.036656320095062256},{"text":"Lisa's phone just showed up and missed call, and it didn't even ring.","start":28.3,"end":31.099998,"sentiment":"neutral","sentiment_score":-0.1534591345832898},{"text":"We're all sitting here looking at the phone.","start":31.099998,"end":33.42,"sentiment":"neutral","sentiment_score":-0.10851076245307922},{"text":"So","start":33.42,"end":33.92,"sentiment":"neutral","sentiment_score":-0.029890157282352448}],"sentiment":"neutral","sentiment_score":-0.12737397072107895,"channel":1,"num_words":23,"start":27.415,"end":33.92},{"sentences":[{"text":"Yeah.","start":33.420002,"end":33.920002,"sentiment":"neutral","sentiment_score":-0.029540324583649635},{"text":"No.","start":34.38,"end":34.620003,"sentiment":"neutral","sentiment_score":-0.1076326072216034},{"text":"That's okay.","start":34.620003,"end":35.260002,"sentiment":"neutral","sentiment_score":-0.031974068842828274},{"text":"I did just leave a message on the phone.","start":35.260002,"end":37.1,"sentiment":"neutral","sentiment_score":-0.05177153439985381},{"text":"It it sort of didn't really ring.","start":37.1,"end":38.7,"sentiment":"neutral","sentiment_score":-0.17665457938398635}],"sentiment":"neutral","sentiment_score":-0.0951823467388749,"channel":0,"num_words":20,"start":33.420002,"end":38.7},{"sentences":[{"text":"It kind of","start":38.7,"end":39.260002,"sentiment":"neutral","sentiment_score":-0.1922286649545034}],"sentiment":"neutral","sentiment_score":-0.1922286649545034,"channel":0,"num_words":3,"start":38.7,"end":39.260002},{"sentences":[{"text":"ring","start":39.18,"end":39.5,"sentiment":"neutral","sentiment_score":-0.144656702876091}],"sentiment":"neutral","sentiment_score":-0.144656702876091,"channel":1,"num_words":1,"start":39.18,"end":39.5},{"sentences":[{"text":"rang","start":39.260002,"end":39.58,"sentiment":"neutral","sentiment_score":-0.12629079818725586}],"sentiment":"neutral","sentiment_score":-0.12629079818725586,"channel":0,"num_words":1,"start":39.260002,"end":39.58},{"sentences":[{"text":"up.","start":39.5,"end":40.0,"sentiment":"neutral","sentiment_score":-0.1574402004480362}],"sentiment":"neutral","sentiment_score":-0.1574402004480362,"channel":1,"num_words":1,"start":39.5,"end":40.0},{"sentences":[{"text":"once and then went straight through to voice mail.","start":39.58,"end":42.14,"sentiment":"neutral","sentiment_score":-0.10247429791424009},{"text":"So I'm so sorry about that.","start":42.14,"end":43.845,"sentiment":"neutral","sentiment_score":-0.18382721518476805},{"text":"I thought I'd try","start":43.845,"end":44.565002,"sentiment":"neutral","sentiment_score":-0.04162524174898863}],"sentiment":"neutral","sentiment_score":-0.11535436522803809,"channel":0,"num_words":19,"start":39.58,"end":44.565002},{"sentences":[{"text":"Yep.","start":44.335003,"end":44.835003,"sentiment":"neutral","sentiment_score":0.00555028161033988}],"sentiment":"neutral","sentiment_score":0.00555028161033988,"channel":1,"num_words":1,"start":44.335003,"end":44.835003},{"sentences":[{"text":"your number as well because you're probably sitting there","start":44.565002,"end":46.485,"sentiment":"neutral","sentiment_score":-0.024460806614822812}],"sentiment":"neutral","sentiment_score":-0.024460806614822812,"channel":0,"num_words":9,"start":44.565002,"end":46.485},{"sentences":[{"text":"Yeah.","start":46.415,"end":46.915,"sentiment":"neutral","sentiment_score":-0.010507994331419468}],"sentiment":"neutral","sentiment_score":-0.010507994331419468,"channel":1,"num_words":1,"start":46.415,"end":46.915},{"sentences":[{"text":"waiting for me.","start":46.485,"end":47.365,"sentiment":"neutral","sentiment_score":-0.03305548677841822},{"text":"Sorry.","start":47.365,"end":47.865,"sentiment":"neutral","sentiment_score":-0.05115414410829544}],"sentiment":"neutral","sentiment_score":-0.03758015111088753,"channel":0,"num_words":4,"start":46.485,"end":47.865},{"sentences":[{"text":"We are.","start":47.855,"end":48.595,"sentiment":"neutral","sentiment_score":-0.021891376934945583},{"text":"Hi, Dana.","start":48.895,"end":49.695,"sentiment":"neutral","sentiment_score":0.0687100999057293},{"text":"Lisa in the background.","start":49.695,"end":50.755,"sentiment":"neutral","sentiment_score":0.04327845945954323}],"sentiment":"neutral","sentiment_score":0.03334391047246754,"channel":1,"num_words":8,"start":47.855,"end":50.755},{"sentences":[{"text":"How are you, Lisa?","start":51.285,"end":52.485,"sentiment":"neutral","sentiment_score":0.07927021756768227},{"text":"I'm so sorry about yesterday.","start":52.485,"end":54.025,"sentiment":"neutral","sentiment_score":-0.13010731860995292},{"text":"I do honestly apologize about having to push that one back and or reschedule.","start":54.085,"end":58.22,"sentiment":"neutral","sentiment_score":-0.20730774423905782}],"sentiment":"neutral","sentiment_score":-0.14068539748373238,"channel":0,"num_words":23,"start":51.285,"end":58.22},{"sentences":[{"text":"That's okay.","start":58.97,"end":59.53,"sentiment":"neutral","sentiment_score":0.06431033089756966},{"text":"How's your daughter?","start":59.53,"end":60.51,"sentiment":"neutral","sentiment_score":0.015771764020125072}],"sentiment":"neutral","sentiment_score":0.035187190771102904,"channel":1,"num_words":5,"start":58.97,"end":60.51},{"sentences":[{"text":"But she's okay.","start":60.76,"end":61.72,"sentiment":"neutral","sentiment_score":0.051059881846110024},{"text":"It is all sorted.","start":61.72,"end":62.76,"sentiment":"neutral","sentiment_score":0.12569262459874153},{"text":"It wasn't serious.","start":62.76,"end":63.9,"sentiment":"neutral","sentiment_score":-0.1267771820227305},{"text":"Thank god.","start":64.04,"end":64.68,"sentiment":"neutral","sentiment_score":-0.14992030709981918},{"text":"But she was really, really stressed out and beside","start":64.68,"end":68.36,"sentiment":"negative","sentiment_score":-0.43481040994326275}],"sentiment":"neutral","sentiment_score":-0.1875007478963761,"channel":0,"num_words":21,"start":60.76,"end":68.36},{"sentences":[{"text":"Yeah.","start":68.17,"end":68.67,"sentiment":"neutral","sentiment_score":-0.28580349683761597}],"sentiment":"neutral","sentiment_score":-0.28580349683761597,"channel":1,"num_words":1,"start":68.17,"end":68.67},{"sentences":[{"text":"herself.","start":68.36,"end":68.86,"sentiment":"neutral","sentiment_score":-0.2934497594833374},{"text":"Essentially,","start":69.634995,"end":70.115,"sentiment":"neutral","sentiment_score":-0.11223472654819489}],"sentiment":"neutral","sentiment_score":-0.20284224301576614,"channel":0,"num_words":2,"start":68.36,"end":70.115},{"sentences":[{"text":"Yeah.","start":70.095,"end":70.595,"sentiment":"neutral","sentiment_score":-0.11900155246257782}],"sentiment":"neutral","sentiment_score":-0.11900155246257782,"channel":1,"num_words":1,"start":70.095,"end":70.595},{"sentences":[{"text":"where I am located in Benora Point, she was turning to go into Woolies, and a car sort of went past the side flight.","start":70.115,"end":76.755,"sentiment":"neutral","sentiment_score":-0.15676319661239782},{"text":"So he wanted to go in there as well.","start":76.755,"end":78.774994,"sentiment":"neutral","sentiment_score":-0.14880522257751888},{"text":"And so it kind of hit the front of her car.","start":79.475,"end":81.475,"sentiment":"negative","sentiment_score":-0.36007547784935345},{"text":"It has caused a bit of damage.","start":81.475,"end":83.07,"sentiment":"negative","sentiment_score":-0.423158986227853},{"text":"He's at fault.","start":83.07,"end":84.13,"sentiment":"neutral","sentiment_score":-0.2715245982011159}],"sentiment":"neutral","sentiment_score":-0.2377607532673412,"channel":0,"num_words":54,"start":70.115,"end":84.13},{"sentences":[{"text":"But,","start":84.909996,"end":85.39,"sentiment":"neutral","sentiment_score":-0.05797824636101723}],"sentiment":"neutral","sentiment_score":-0.05797824636101723,"channel":0,"num_words":1,"start":84.909996,"end":85.39},{"sentences":[{"text":"Yeah.","start":85.08,"end":85.58,"sentiment":"neutral","sentiment_score":-0.05891092121601105}],"sentiment":"neutral","sentiment_score":-0.05891092121601105,"channel":1,"num_words":1,"start":85.08,"end":85.58},{"sentences":[{"text":"yeah, she she sent me a photo, and my husband rang me going, are you okay?","start":85.39,"end":88.99,"sentiment":"neutral","sentiment_score":-0.0666850027628243},{"text":"Like, can I talk to you?","start":88.99,"end":89.869995,"sentiment":"neutral","sentiment_score":-0.059134555980563164},{"text":"And I was like, oh my god.","start":89.869995,"end":90.909996,"sentiment":"neutral","sentiment_score":-0.19773133524826594},{"text":"What's happening?","start":90.909996,"end":91.47,"sentiment":"neutral","sentiment_score":-0.20177925378084183},{"text":"She's been in an accident.","start":91.47,"end":92.509995,"sentiment":"negative","sentiment_score":-0.43883997797966}],"sentiment":"neutral","sentiment_score":-0.15010125345240036,"channel":0,"num_words":36,"start":85.39,"end":92.509995},{"sentences":[{"text":"She's freaking out.","start":92.509995,"end":93.149994,"sentiment":"negative","sentiment_score":-0.5134310324986776},{"text":"I was like, oh my god.","start":93.149994,"end":94.03,"sentiment":"neutral","sentiment_score":-0.2306423286596934},{"text":"So I had get the insurance information and get all that sorted for them.","start":94.03,"end":97.285,"sentiment":"neutral","sentiment_score":-0.13194868394306727},{"text":"So he","start":97.285,"end":98.485,"sentiment":"neutral","sentiment_score":-0.035937050357460976}],"sentiment":"neutral","sentiment_score":-0.1937321098148823,"channel":0,"num_words":25,"start":92.509995,"end":98.485},{"sentences":[{"text":"Yeah.","start":98.12,"end":98.62,"sentiment":"neutral","sentiment_score":-0.014377649873495102}],"sentiment":"neutral","sentiment_score":-0.014377649873495102,"channel":1,"num_words":1,"start":98.12,"end":98.62},{"sentences":[{"text":"ended up taking over it because he was down there, which was great.","start":98.485,"end":101.845,"sentiment":"neutral","sentiment_score":0.08832854720262381},{"text":"I'm an hour away from home at work.","start":101.845,"end":104.645004,"sentiment":"neutral","sentiment_score":-0.06355987675487995},{"text":"So, yeah, it we got it sorted.","start":104.645004,"end":107.285,"sentiment":"neutral","sentiment_score":0.13939070754817554},{"text":"She's okay.","start":107.285,"end":108.085,"sentiment":"positive","sentiment_score":0.3673163801431656},{"text":"I went around last night and checked on her as well, and she's good.","start":108.085,"end":110.93,"sentiment":"positive","sentiment_score":0.47138264775276184}],"sentiment":"neutral","sentiment_score":0.2033981109376658,"channel":0,"num_words":44,"start":98.485,"end":110.93},{"sentences":[{"text":"It was just the initial, oh my god.","start":110.93,"end":112.53,"sentiment":"neutral","sentiment_score":0.06417285389034078},{"text":"And she's only 19.","start":112.53,"end":113.729996,"sentiment":"neutral","sentiment_score":-0.011397997615858912},{"text":"She's got her pay plates, and she's just like, what do I do?","start":113.729996,"end":116.71,"sentiment":"neutral","sentiment_score":-0.03912395238876343},{"text":"How do I deal with","start":116.92999,"end":117.729996,"sentiment":"neutral","sentiment_score":-0.0387421615421772}],"sentiment":"neutral","sentiment_score":-0.007817711603517333,"channel":0,"num_words":30,"start":110.93,"end":117.729996},{"sentences":[{"text":"You","start":117.590004,"end":117.83,"sentiment":"neutral","sentiment_score":-0.03896588087081909}],"sentiment":"neutral","sentiment_score":-0.03896588087081909,"channel":1,"num_words":1,"start":117.590004,"end":117.83},{"sentences":[{"text":"this?","start":117.729996,"end":118.229996,"sentiment":"neutral","sentiment_score":-0.020587578415870667}],"sentiment":"neutral","sentiment_score":-0.020587578415870667,"channel":0,"num_words":1,"start":117.729996,"end":118.229996},{"sentences":[{"text":"are.","start":117.83,"end":118.33,"sentiment":"neutral","sentiment_score":-0.011063369922339916}],"sentiment":"neutral","sentiment_score":-0.011063369922339916,"channel":1,"num_words":1,"start":117.83,"end":118.33},{"sentences":[{"text":"So a bit scary for them, unfortunately, but she's good.","start":119.09,"end":122.53,"sentiment":"neutral","sentiment_score":-0.018265075981616974},{"text":"But thank you so much for asking.","start":122.53,"end":124.135,"sentiment":"neutral","sentiment_score":0.3233232317226274},{"text":"And, again, I'm very sorry.","start":124.135,"end":125.575,"sentiment":"neutral","sentiment_score":-0.09541480801999569},{"text":"The last thing I wanted was to reschedule your appointment.","start":125.575,"end":128.155,"sentiment":"neutral","sentiment_score":-0.11096744164824486},{"text":"So","start":128.295,"end":128.795,"sentiment":"neutral","sentiment_score":0.010457862168550491}],"sentiment":"neutral","sentiment_score":0.01528246266146501,"channel":0,"num_words":33,"start":119.09,"end":128.795},{"sentences":[{"text":"No worries.","start":128.785,"end":129.345,"sentiment":"neutral","sentiment_score":0.03907995671033859},{"text":"No need to apologize.","start":129.345,"end":130.405,"sentiment":"neutral","sentiment_score":0.013382493518292904},{"text":"I'd be","start":131.345,"end":131.66501,"sentiment":"neutral","sentiment_score":0.06235441751778126}],"sentiment":"neutral","sentiment_score":0.032049840316176414,"channel":1,"num_words":8,"start":128.785,"end":131.66501},{"sentences":[{"text":"All","start":131.655,"end":131.975,"sentiment":"neutral","sentiment_score":0.2189176380634308}],"sentiment":"neutral","sentiment_score":0.2189176380634308,"channel":0,"num_words":1,"start":131.655,"end":131.975},{"sentences":[{"text":"doing","start":131.66501,"end":131.985,"sentiment":"positive","sentiment_score":0.3402169644832611}],"sentiment":"positive","sentiment_score":0.3402169644832611,"channel":1,"num_words":1,"start":131.66501,"end":131.985},{"sentences":[{"text":"good.","start":131.975,"end":132.475,"sentiment":"positive","sentiment_score":0.3636532425880432}],"sentiment":"positive","sentiment_score":0.3636532425880432,"channel":0,"num_words":1,"start":131.975,"end":132.475},{"sentences":[{"text":"the same.","start":131.985,"end":132.645,"sentiment":"neutral","sentiment_score":0.2963712513446808}],"sentiment":"neutral","sentiment_score":0.2963712513446808,"channel":1,"num_words":2,"start":131.985,"end":132.645},{"sentences":[{"text":"I'm so glad.","start":133.815,"end":134.875,"sentiment":"positive","sentiment_score":0.5964441100756327},{"text":"All good.","start":135.495,"end":135.895,"sentiment":"positive","sentiment_score":0.43810074031352997},{"text":"Well, let's have a bit of a look at things for you both.","start":135.895,"end":138.31,"sentiment":"neutral","sentiment_score":0.12825293151231912},{"text":"So just before","start":138.62999,"end":139.26999,"sentiment":"neutral","sentiment_score":0.0353607473274072}],"sentiment":"neutral","sentiment_score":0.21137638869030134,"channel":0,"num_words":21,"start":133.815,"end":139.26999},{"sentences":[{"text":"Yeah.","start":139.12001,"end":139.62001,"sentiment":"neutral","sentiment_score":0.052381567656993866}],"sentiment":"neutral","sentiment_score":0.052381567656993866,"channel":1,"num_words":1,"start":139.12001,"end":139.62001},{"sentences":[{"text":"I jump into the call, I do need to let you both know we do record our calls for quality and training purposes.","start":139.26999,"end":144.17,"sentiment":"neutral","sentiment_score":0.0749941902316135},{"text":"Are you both happy for us to proceed with that?","start":144.23,"end":146.81,"sentiment":"neutral","sentiment_score":0.12383937016129494}],"sentiment":"neutral","sentiment_score":0.08979575990727454,"channel":0,"num_words":33,"start":139.26999,"end":146.81},{"sentences":[{"text":"Yep.","start":147.04001,"end":147.44,"sentiment":"neutral","sentiment_score":0.0818524956703186},{"text":"That's fine.","start":147.44,"end":148.26001,"sentiment":"neutral","sentiment_score":0.16029031574726105}],"sentiment":"neutral","sentiment_score":0.13414437572161356,"channel":1,"num_words":3,"start":147.04001,"end":148.26001},{"sentences":[{"text":"Yep.","start":148.62999,"end":149.12999,"sentiment":"neutral","sentiment_score":0.23954451084136963},{"text":"Fantastic.","start":150.88501,"end":151.04501,"sentiment":"positive","sentiment_score":0.5130826234817505},{"text":"Essentially so we had done the advice for you.","start":151.04501,"end":153.285,"sentiment":"neutral","sentiment_score":0.2345461000998815},{"text":"I know, Scott, we had gone through your advice case earlier, and now your circumstances have changed.","start":153.285,"end":158.005,"sentiment":"neutral","sentiment_score":0.1038882662268246},{"text":"So you've dropped some hours, and things have changed a lot for you.","start":158.005,"end":161.205,"sentiment":"neutral","sentiment_score":0.08023171012218182}],"sentiment":"neutral","sentiment_score":0.13835743396747402,"channel":0,"num_words":41,"start":148.62999,"end":161.205},{"sentences":[{"text":"How's everything been going?","start":161.205,"end":163.07,"sentiment":"neutral","sentiment_score":0.06638258416205645}],"sentiment":"neutral","sentiment_score":0.06638258416205645,"channel":0,"num_words":4,"start":161.205,"end":163.07},{"sentences":[{"text":"Yep.","start":163.155,"end":163.475,"sentiment":"neutral","sentiment_score":0.07751454412937164},{"text":"Good.","start":163.475,"end":163.875,"sentiment":"neutral","sentiment_score":0.1522737443447113},{"text":"Yes.","start":163.875,"end":164.375,"sentiment":"neutral","sentiment_score":0.08446542918682098},{"text":"Much","start":164.435,"end":164.675,"sentiment":"neutral","sentiment_score":0.06095725670456886}],"sentiment":"neutral","sentiment_score":0.0938027435913682,"channel":1,"num_words":4,"start":163.155,"end":164.675},{"sentences":[{"text":"Yeah.","start":164.65001,"end":165.15001,"sentiment":"neutral","sentiment_score":0.035875506699085236}],"sentiment":"neutral","sentiment_score":0.035875506699085236,"channel":0,"num_words":1,"start":164.65001,"end":165.15001},{"sentences":[{"text":"better not working.","start":164.675,"end":165.635,"sentiment":"neutral","sentiment_score":-0.02020045245687167},{"text":"Yeah.","start":165.635,"end":166.135,"sentiment":"neutral","sentiment_score":0.10035375505685806}],"sentiment":"neutral","sentiment_score":0.009938099421560764,"channel":1,"num_words":4,"start":164.675,"end":166.135},{"sentences":[{"text":"You enjoy that?","start":168.01001,"end":169.23001,"sentiment":"neutral","sentiment_score":0.17053690056006113},{"text":"That's good.","start":169.53001,"end":170.35,"sentiment":"positive","sentiment_score":0.3383711725473404},{"text":"That's fantastic.","start":171.21,"end":172.11,"sentiment":"positive","sentiment_score":0.5436916649341583},{"text":"And, Lisa, we just wanted to kinda update and do a new advice case for the both of you.","start":172.57,"end":176.81001,"sentiment":"neutral","sentiment_score":0.18231704517414696},{"text":"Is that correct incorporating your full circumstances looking forward at the retirement aspect and just incorporating everything into that?","start":176.81001,"end":183.735,"sentiment":"neutral","sentiment_score":0.14404484276708804}],"sentiment":"neutral","sentiment_score":0.18836916105614768,"channel":0,"num_words":45,"start":168.01001,"end":183.735},{"sentences":[{"text":"Does that sound right?","start":183.735,"end":184.875,"sentiment":"neutral","sentiment_score":0.07867170125246048}],"sentiment":"neutral","sentiment_score":0.07867170125246048,"channel":0,"num_words":4,"start":183.735,"end":184.875},{"sentences":[{"text":"Yes.","start":185.485,"end":185.80501,"sentiment":"neutral","sentiment_score":0.06944540143013},{"text":"The only thing that's","start":185.80501,"end":186.60501,"sentiment":"neutral","sentiment_score":0.03593481611460447}],"sentiment":"neutral","sentiment_score":0.04263693317770958,"channel":1,"num_words":5,"start":185.485,"end":186.60501},{"sentences":[{"text":"Yep.","start":186.535,"end":187.035,"sentiment":"neutral","sentiment_score":0.008218012750148773}],"sentiment":"neutral","sentiment_score":0.008218012750148773,"channel":0,"num_words":1,"start":186.535,"end":187.035},{"sentences":[{"text":"changed there is that I want to consider 50% work as well.","start":186.60501,"end":190.46501,"sentiment":"neutral","sentiment_score":0.014284167904406786}],"sentiment":"neutral","sentiment_score":0.014284167904406786,"channel":1,"num_words":12,"start":186.60501,"end":190.46501},{"sentences":[{"text":"Okay.","start":190.935,"end":191.435,"sentiment":"neutral","sentiment_score":0.029084015637636185},{"text":"Consider","start":191.89499,"end":192.3,"sentiment":"neutral","sentiment_score":0.02071237564086914}],"sentiment":"neutral","sentiment_score":0.024898195639252663,"channel":0,"num_words":2,"start":190.935,"end":192.3},{"sentences":[{"text":"So","start":192.365,"end":192.60501,"sentiment":"neutral","sentiment_score":0.035820845514535904}],"sentiment":"neutral","sentiment_score":0.035820845514535904,"channel":1,"num_words":1,"start":192.365,"end":192.60501},{"sentences":[{"text":"50 percent","start":192.46,"end":193.02,"sentiment":"neutral","sentiment_score":0.05575411207973957}],"sentiment":"neutral","sentiment_score":0.05575411207973957,"channel":0,"num_words":2,"start":192.46,"end":193.02},{"sentences":[{"text":"and whether","start":192.76501,"end":193.32501,"sentiment":"neutral","sentiment_score":0.05447394773364067}],"sentiment":"neutral","sentiment_score":0.05447394773364067,"channel":1,"num_words":2,"start":192.76501,"end":193.32501},{"sentences":[{"text":"work.","start":193.02,"end":193.52,"sentiment":"neutral","sentiment_score":0.04928140714764595}],"sentiment":"neutral","sentiment_score":0.04928140714764595,"channel":0,"num_words":1,"start":193.02,"end":193.52},{"sentences":[{"text":"we can achieve that or whether I'm better","start":193.32501,"end":195.565,"sentiment":"neutral","sentiment_score":0.04072549645206891}],"sentiment":"neutral","sentiment_score":0.04072549645206891,"channel":1,"num_words":8,"start":193.32501,"end":195.565},{"sentences":[{"text":"Yep.","start":195.26001,"end":195.76001,"sentiment":"neutral","sentiment_score":0.0004018762556370348}],"sentiment":"neutral","sentiment_score":0.0004018762556370348,"channel":0,"num_words":1,"start":195.26001,"end":195.76001},{"sentences":[{"text":"off holding off.","start":195.565,"end":196.365,"sentiment":"neutral","sentiment_score":-0.014248642139136791},{"text":"So","start":196.365,"end":196.865,"sentiment":"neutral","sentiment_score":0.0251629501581192}],"sentiment":"neutral","sentiment_score":-0.004395744064822793,"channel":1,"num_words":4,"start":195.565,"end":196.865},{"sentences":[{"text":"Okay.","start":197.02,"end":197.52,"sentiment":"neutral","sentiment_score":0.03329627960920334}],"sentiment":"neutral","sentiment_score":0.03329627960920334,"channel":0,"num_words":1,"start":197.02,"end":197.52},{"sentences":[{"text":"yeah.","start":198.28,"end":198.78,"sentiment":"neutral","sentiment_score":0.04085593670606613}],"sentiment":"neutral","sentiment_score":0.04085593670606613,"channel":1,"num_words":1,"start":198.28,"end":198.78},{"sentences":[{"text":"No worries at all.","start":199.58,"end":200.94,"sentiment":"neutral","sentiment_score":0.040000369772315025},{"text":"Okay.","start":200.94,"end":201.26001,"sentiment":"neutral","sentiment_score":0.05801589414477348},{"text":"Well, let's go through and update all of your circumstances.","start":201.26001,"end":203.68001,"sentiment":"neutral","sentiment_score":0.06670675501227379},{"text":"Now","start":204.22,"end":204.72,"sentiment":"neutral","sentiment_score":0.06029357761144638}],"sentiment":"neutral","sentiment_score":0.059086156310513616,"channel":0,"num_words":16,"start":199.58,"end":204.72},{"sentences":[{"text":"Mhmm.","start":204.52,"end":205.02,"sentiment":"neutral","sentiment_score":0.03622903302311897}],"sentiment":"neutral","sentiment_score":0.03622903302311897,"channel":1,"num_words":1,"start":204.52,"end":205.02},{"sentences":[{"text":"retirement goal wise, are we still wanting the same?","start":204.78,"end":209.435,"sentiment":"neutral","sentiment_score":0.03328219677011172},{"text":"I'm sorry.","start":209.435,"end":209.83499,"sentiment":"neutral","sentiment_score":-0.050123630091547966},{"text":"I'm just going back to have a look.","start":209.83499,"end":211.115,"sentiment":"neutral","sentiment_score":-0.021966787753626704},{"text":"Now we both wanted to access super around about the age of 60.","start":211.115,"end":215.215,"sentiment":"neutral","sentiment_score":0.013013286086229177},{"text":"Does that still sound appropriate?","start":215.275,"end":216.815,"sentiment":"neutral","sentiment_score":0.009594805911183358}],"sentiment":"neutral","sentiment_score":0.00650553938907546,"channel":0,"num_words":37,"start":204.78,"end":216.815},{"sentences":[{"text":"If we can access it earlier no.","start":219.815,"end":221.655,"sentiment":"neutral","sentiment_score":-0.026172565828476633},{"text":"No.","start":221.655,"end":221.895,"sentiment":"neutral","sentiment_score":-0.030147096142172813},{"text":"We wanna see.","start":221.895,"end":222.61499,"sentiment":"neutral","sentiment_score":0.062092993408441544},{"text":"We wanna access the Super at 60.","start":222.61499,"end":224.395,"sentiment":"neutral","sentiment_score":0.09676026020731245},{"text":"Yeah.","start":224.455,"end":224.88,"sentiment":"neutral","sentiment_score":0.07451928406953812}],"sentiment":"neutral","sentiment_score":0.038145527831817926,"channel":1,"num_words":19,"start":219.815,"end":224.88},{"sentences":[{"text":"Yeah.","start":225.44,"end":225.76001,"sentiment":"neutral","sentiment_score":0.08039148151874542}],"sentiment":"neutral","sentiment_score":0.08039148151874542,"channel":1,"num_words":1,"start":225.44,"end":225.76001},{"sentences":[{"text":"Yep.","start":225.45,"end":225.77,"sentiment":"neutral","sentiment_score":0.099490687251091}],"sentiment":"neutral","sentiment_score":0.099490687251091,"channel":0,"num_words":1,"start":225.45,"end":225.77},{"sentences":[{"text":"We'll","start":225.76001,"end":226.0,"sentiment":"neutral","sentiment_score":0.1727876514196396}],"sentiment":"neutral","sentiment_score":0.1727876514196396,"channel":1,"num_words":1,"start":225.76001,"end":226.0},{"sentences":[{"text":"Yep.","start":225.77,"end":226.25,"sentiment":"neutral","sentiment_score":0.11367499083280563}],"sentiment":"neutral","sentiment_score":0.11367499083280563,"channel":0,"num_words":1,"start":225.77,"end":226.25},{"sentences":[{"text":"still still","start":226.0,"end":226.56,"sentiment":"neutral","sentiment_score":0.15285050868988037}],"sentiment":"neutral","sentiment_score":0.15285050868988037,"channel":1,"num_words":2,"start":226.0,"end":226.56},{"sentences":[{"text":"Yep.","start":226.25,"end":226.75,"sentiment":"neutral","sentiment_score":0.14329952001571655}],"sentiment":"neutral","sentiment_score":0.14329952001571655,"channel":0,"num_words":1,"start":226.25,"end":226.75},{"sentences":[{"text":"keep working till then.","start":226.56,"end":227.28,"sentiment":"neutral","sentiment_score":0.23128163814544678},{"text":"Yeah.","start":227.28,"end":227.76001,"sentiment":"neutral","sentiment_score":0.1438596546649933},{"text":"Yep.","start":227.76001,"end":228.26001,"sentiment":"neutral","sentiment_score":0.11992724984884262}],"sentiment":"neutral","sentiment_score":0.1981522428492705,"channel":1,"num_words":6,"start":226.56,"end":228.26001},{"sentences":[{"text":"Yep.","start":228.17,"end":228.56999,"sentiment":"neutral","sentiment_score":0.12459545582532884},{"text":"Yep.","start":228.56999,"end":228.81,"sentiment":"neutral","sentiment_score":0.1664600670337677},{"text":"That's okay.","start":228.81,"end":229.63,"sentiment":"positive","sentiment_score":0.3842041492462158},{"text":"And goal was to be able to your income.","start":229.84999,"end":232.98999,"sentiment":"positive","sentiment_score":0.3765312201446957},{"text":"We're looking at sorry.","start":233.575,"end":235.33499,"sentiment":"neutral","sentiment_score":0.08974417205899954}],"sentiment":"neutral","sentiment_score":0.2827777347582228,"channel":0,"num_words":17,"start":228.17,"end":235.33499},{"sentences":[{"text":"I'm just getting my screen to work for me.","start":235.33499,"end":238.215,"sentiment":"neutral","sentiment_score":0.04110954557028082},{"text":"There we go.","start":238.215,"end":239.11499,"sentiment":"neutral","sentiment_score":0.07595027983188629},{"text":"We were looking at a joint monthly income of $6,000 from super, so 3,000 from each if that works out that way or proportionately based on super balances.","start":239.33499,"end":248.9,"sentiment":"neutral","sentiment_score":0.161949574681265},{"text":"Does that sound correct?","start":248.9,"end":250.12,"sentiment":"neutral","sentiment_score":0.09181281365454197}],"sentiment":"neutral","sentiment_score":0.12499263853004033,"channel":0,"num_words":44,"start":235.33499,"end":250.12},{"sentences":[{"text":"Yeah.","start":250.7,"end":250.94,"sentiment":"neutral","sentiment_score":-0.00018017645925283432},{"text":"Is that, like, high, or is that No.","start":250.94,"end":252.62001,"sentiment":"neutral","sentiment_score":-0.09444374195300043},{"text":"That's that's that's why.","start":252.62001,"end":254.08,"sentiment":"neutral","sentiment_score":-0.2598787769675255},{"text":"Well, at the moment,","start":254.22,"end":254.94,"sentiment":"neutral","sentiment_score":-0.013632867019623518}],"sentiment":"neutral","sentiment_score":-0.10881039341363836,"channel":1,"num_words":17,"start":250.7,"end":254.94},{"sentences":[{"text":"That's","start":254.74,"end":255.24,"sentiment":"neutral","sentiment_score":-0.013413237407803535}],"sentiment":"neutral","sentiment_score":-0.013413237407803535,"channel":0,"num_words":1,"start":254.74,"end":255.24},{"sentences":[{"text":"we have a we have a general expenditure at the moment of around about what is it?","start":254.94,"end":260.38,"sentiment":"neutral","sentiment_score":0.0007776450913618593},{"text":"Hang on a minute.","start":260.38,"end":261.36002,"sentiment":"neutral","sentiment_score":-0.015346372500061989},{"text":"General 4.5 $4,700 a month.","start":262.46,"end":265.635,"sentiment":"neutral","sentiment_score":-0.013514474593102932}],"sentiment":"neutral","sentiment_score":-0.004451457554331193,"channel":1,"num_words":26,"start":254.94,"end":265.635},{"sentences":[{"text":"Yeah.","start":266.355,"end":266.755,"sentiment":"neutral","sentiment_score":-0.0444205179810524},{"text":"No.","start":266.755,"end":267.075,"sentiment":"neutral","sentiment_score":-0.19615021347999573},{"text":"That's honestly not that high at all.","start":267.075,"end":268.755,"sentiment":"neutral","sentiment_score":-0.33226517268589567},{"text":"It's essentially 72,000.","start":268.755,"end":271.015,"sentiment":"neutral","sentiment_score":-0.16360609730084738},{"text":"There are, like, research materials out there.","start":272.035,"end":274.435,"sentiment":"neutral","sentiment_score":-0.06989913220916476}],"sentiment":"neutral","sentiment_score":-0.1866599556646849,"channel":0,"num_words":19,"start":266.355,"end":274.435},{"sentences":[{"text":"So one of the research materials is ASSA, and they essentially take all the data collected by the all the industry super funds and correlate it together.","start":274.435,"end":282.72,"sentiment":"neutral","sentiment_score":0.06691574926177661},{"text":"And they're actually averaging that most couples need to draw no less than about 72 to $76,000 on a yearly basis for a minimum to comfortable retirement.","start":282.72,"end":293.675,"sentiment":"neutral","sentiment_score":0.09873677707380718},{"text":"And that's not taking","start":293.895,"end":295.175,"sentiment":"neutral","sentiment_score":0.02607439737766981}],"sentiment":"neutral","sentiment_score":0.07891234138916278,"channel":0,"num_words":58,"start":274.435,"end":295.175},{"sentences":[{"text":"K.","start":294.805,"end":295.305,"sentiment":"neutral","sentiment_score":-0.06780143082141876}],"sentiment":"neutral","sentiment_score":-0.06780143082141876,"channel":1,"num_words":1,"start":294.805,"end":295.305},{"sentences":[{"text":"holidays every year.","start":295.175,"end":296.215,"sentiment":"neutral","sentiment_score":-0.0387352022031943},{"text":"That's just basic standard living expenses.","start":296.215,"end":298.715,"sentiment":"neutral","sentiment_score":0.10420826139549415},{"text":"Comfortable retirement to them is covering your mortgage if you still have a mortgage, going out to have lunch once or twice a week, going to the movies a few times, having haircuts and things like that.","start":299.415,"end":309.09,"sentiment":"neutral","sentiment_score":0.10222003045114311},{"text":"So in all honesty, that's not very much when you consider the cost of living, fuel,","start":309.94998,"end":314.84998,"sentiment":"neutral","sentiment_score":-0.16341001028195024}],"sentiment":"neutral","sentiment_score":0.027042337482975375,"channel":0,"num_words":62,"start":295.175,"end":314.84998},{"sentences":[{"text":"Yeah.","start":315.12,"end":315.44,"sentiment":"neutral","sentiment_score":-0.03045494109392166}],"sentiment":"neutral","sentiment_score":-0.03045494109392166,"channel":1,"num_words":1,"start":315.12,"end":315.44},{"sentences":[{"text":"food,","start":315.38998,"end":315.88998,"sentiment":"neutral","sentiment_score":-0.025213874876499176}],"sentiment":"neutral","sentiment_score":-0.025213874876499176,"channel":0,"num_words":1,"start":315.38998,"end":315.88998},{"sentences":[{"text":"Everything's going up.","start":315.44,"end":316.48,"sentiment":"neutral","sentiment_score":-0.022976071884234745},{"text":"Okay.","start":316.48,"end":316.98,"sentiment":"neutral","sentiment_score":-0.02026139572262764}],"sentiment":"neutral","sentiment_score":-0.02229740284383297,"channel":1,"num_words":4,"start":315.44,"end":316.98},{"sentences":[{"text":"electricity.","start":316.99,"end":317.49,"sentiment":"neutral","sentiment_score":-0.026905614882707596}],"sentiment":"neutral","sentiment_score":-0.026905614882707596,"channel":0,"num_words":1,"start":316.99,"end":317.49},{"sentences":[{"text":"I think it was supposed to be $66,000 each, maybe.","start":317.04,"end":320.02002,"sentiment":"neutral","sentiment_score":-0.03151232581585646},{"text":"That would","start":321.52002,"end":321.92,"sentiment":"neutral","sentiment_score":-0.034776173532009125}],"sentiment":"neutral","sentiment_score":-0.032056300435215235,"channel":1,"num_words":12,"start":317.04,"end":321.92},{"sentences":[{"text":"Well,","start":321.825,"end":322.225,"sentiment":"neutral","sentiment_score":-0.1425014287233353}],"sentiment":"neutral","sentiment_score":-0.1425014287233353,"channel":0,"num_words":1,"start":321.825,"end":322.225},{"sentences":[{"text":"be too","start":321.92,"end":322.32,"sentiment":"neutral","sentiment_score":-0.2271275296807289}],"sentiment":"neutral","sentiment_score":-0.2271275296807289,"channel":1,"num_words":2,"start":321.92,"end":322.32},{"sentences":[{"text":"I think,","start":322.225,"end":322.805,"sentiment":"neutral","sentiment_score":-0.26864756643772125}],"sentiment":"neutral","sentiment_score":-0.26864756643772125,"channel":0,"num_words":2,"start":322.225,"end":322.805},{"sentences":[{"text":"hard.","start":322.32,"end":322.82,"sentiment":"neutral","sentiment_score":-0.26810508966445923}],"sentiment":"neutral","sentiment_score":-0.26810508966445923,"channel":1,"num_words":1,"start":322.32,"end":322.82},{"sentences":[{"text":"yeah, we did have originally in one of them 6,000 each, and then in the other one, we had 3,000.","start":323.185,"end":328.785,"sentiment":"neutral","sentiment_score":-0.06176158878952265},{"text":"Scott, I believe yours was 6,000 each originally.","start":328.785,"end":331.425,"sentiment":"neutral","sentiment_score":-0.009626214392483234},{"text":"And then, Lisa, when","start":331.425,"end":332.385,"sentiment":"neutral","sentiment_score":0.01579604670405388}],"sentiment":"neutral","sentiment_score":-0.03903304075356573,"channel":0,"num_words":32,"start":323.185,"end":332.385},{"sentences":[{"text":"Yeah.","start":332.255,"end":332.755,"sentiment":"neutral","sentiment_score":0.026990920305252075}],"sentiment":"neutral","sentiment_score":0.026990920305252075,"channel":1,"num_words":1,"start":332.255,"end":332.755},{"sentences":[{"text":"I spoke to you, it was a 6,000 combined 3,000 from each.","start":332.385,"end":335.82,"sentiment":"neutral","sentiment_score":0.05224055781339606},{"text":"But I'm happy to work on either.","start":335.82,"end":338.13998,"sentiment":"neutral","sentiment_score":0.30222246050834656},{"text":"What goal would you like","start":338.13998,"end":339.66,"sentiment":"neutral","sentiment_score":0.09357436001300812}],"sentiment":"neutral","sentiment_score":0.13376315489100912,"channel":0,"num_words":24,"start":332.385,"end":339.66},{"sentences":[{"text":"Well","start":339.61,"end":340.11,"sentiment":"neutral","sentiment_score":0.0757056251168251}],"sentiment":"neutral","sentiment_score":0.0757056251168251,"channel":1,"num_words":1,"start":339.61,"end":340.11},{"sentences":[{"text":"me to work for for you?","start":339.66,"end":341.12,"sentiment":"neutral","sentiment_score":0.09269679213563602}],"sentiment":"neutral","sentiment_score":0.09269679213563602,"channel":0,"num_words":6,"start":339.66,"end":341.12},{"sentences":[{"text":"well, maybe maybe we'll bump up.","start":340.72998,"end":342.88998,"sentiment":"neutral","sentiment_score":0.10419559106230736},{"text":"Maybe we'll meet halfway and do 4,000 each.","start":342.88998,"end":346.16998,"sentiment":"neutral","sentiment_score":0.14892370626330376},{"text":"Does that sound reasonable then?","start":346.16998,"end":347.37,"sentiment":"neutral","sentiment_score":0.1379946619272232},{"text":"That's","start":347.37,"end":347.69,"sentiment":"neutral","sentiment_score":0.14606143534183502}],"sentiment":"neutral","sentiment_score":0.13262989707291126,"channel":1,"num_words":20,"start":340.72998,"end":347.69},{"sentences":[{"text":"Yeah.","start":347.5,"end":348.0,"sentiment":"neutral","sentiment_score":0.17043903470039368}],"sentiment":"neutral","sentiment_score":0.17043903470039368,"channel":0,"num_words":1,"start":347.5,"end":348.0},{"sentences":[{"text":"that's yep.","start":347.69,"end":348.72998,"sentiment":"neutral","sentiment_score":0.19094248116016388},{"text":"8,000 a","start":348.72998,"end":349.44998,"sentiment":"neutral","sentiment_score":0.04512007534503937}],"sentiment":"neutral","sentiment_score":0.11803127825260162,"channel":1,"num_words":4,"start":347.69,"end":349.44998},{"sentences":[{"text":"Absolutely.","start":349.315,"end":349.815,"sentiment":"neutral","sentiment_score":0.16110694408416748}],"sentiment":"neutral","sentiment_score":0.16110694408416748,"channel":0,"num_words":1,"start":349.315,"end":349.815},{"sentences":[{"text":"month?","start":349.44998,"end":349.845,"sentiment":"neutral","sentiment_score":0.12783648073673248}],"sentiment":"neutral","sentiment_score":0.12783648073673248,"channel":1,"num_words":1,"start":349.44998,"end":349.845},{"sentences":[{"text":"Yep.","start":350.51498,"end":351.01498,"sentiment":"neutral","sentiment_score":0.2668907046318054},{"text":"That's absolutely fine.","start":352.115,"end":353.795,"sentiment":"positive","sentiment_score":0.5521216789881388},{"text":"Let's aim for the stars.","start":353.795,"end":355.175,"sentiment":"positive","sentiment_score":0.41773844957351686}],"sentiment":"positive","sentiment_score":0.4457719988293118,"channel":0,"num_words":9,"start":350.51498,"end":355.175},{"sentences":[{"text":"That's 90","start":355.845,"end":356.325,"sentiment":"neutral","sentiment_score":0.12262092530727386}],"sentiment":"neutral","sentiment_score":0.12262092530727386,"channel":1,"num_words":2,"start":355.845,"end":356.325},{"sentences":[{"text":"So","start":356.355,"end":356.855,"sentiment":"neutral","sentiment_score":0.1233614832162857}],"sentiment":"neutral","sentiment_score":0.1233614832162857,"channel":0,"num_words":1,"start":356.355,"end":356.855},{"sentences":[{"text":"that's 96,000 a year.","start":356.48502,"end":357.845,"sentiment":"neutral","sentiment_score":0.1875421553850174},{"text":"That's not too bad.","start":357.845,"end":358.965,"sentiment":"neutral","sentiment_score":0.3186431750655174},{"text":"Because","start":358.965,"end":359.445,"sentiment":"neutral","sentiment_score":0.1820708215236664}],"sentiment":"neutral","sentiment_score":0.24520134925842285,"channel":1,"num_words":9,"start":356.48502,"end":359.445},{"sentences":[{"text":"yeah.","start":359.395,"end":359.715,"sentiment":"neutral","sentiment_score":0.1286131739616394}],"sentiment":"neutral","sentiment_score":0.1286131739616394,"channel":0,"num_words":1,"start":359.395,"end":359.715},{"sentences":[{"text":"none of","start":359.445,"end":359.765,"sentiment":"neutral","sentiment_score":0.048789266496896744}],"sentiment":"neutral","sentiment_score":0.048789266496896744,"channel":1,"num_words":2,"start":359.445,"end":359.765},{"sentences":[{"text":"Yeah.","start":359.715,"end":360.215,"sentiment":"neutral","sentiment_score":0.05304192006587982}],"sentiment":"neutral","sentiment_score":0.05304192006587982,"channel":0,"num_words":1,"start":359.715,"end":360.215},{"sentences":[{"text":"that will be taxed, will it?","start":359.765,"end":360.885,"sentiment":"neutral","sentiment_score":0.0777948231746753},{"text":"That's just straight.","start":360.885,"end":361.945,"sentiment":"neutral","sentiment_score":0.13350931058327356}],"sentiment":"neutral","sentiment_score":0.09636631897754139,"channel":1,"num_words":9,"start":359.765,"end":361.945},{"sentences":[{"text":"Correct.","start":362.675,"end":363.175,"sentiment":"neutral","sentiment_score":0.20833860337734225}],"sentiment":"neutral","sentiment_score":0.20833860337734225,"channel":0,"num_words":1,"start":362.675,"end":363.175},{"sentences":[{"text":"Yeah.","start":362.91,"end":363.41,"sentiment":"neutral","sentiment_score":0.18610244989395144}],"sentiment":"neutral","sentiment_score":0.18610244989395144,"channel":1,"num_words":1,"start":362.91,"end":363.41},{"sentences":[{"text":"Yeah.","start":363.395,"end":363.715,"sentiment":"neutral","sentiment_score":0.18090683221817017},{"text":"No.","start":363.715,"end":363.955,"sentiment":"neutral","sentiment_score":0.151908278465271},{"text":"That is completely tax free.","start":363.955,"end":365.19,"sentiment":"neutral","sentiment_score":0.25474551916122434},{"text":"So once you retire and you know that time and phase, there is no income capital gains tax.","start":365.19,"end":371.35,"sentiment":"neutral","sentiment_score":0.11850440502166748},{"text":"Everything's tax free in that pension phase, which is kind of really","start":371.35,"end":374.39,"sentiment":"neutral","sentiment_score":0.2876460514962673}],"sentiment":"neutral","sentiment_score":0.19436147607661583,"channel":0,"num_words":37,"start":363.395,"end":374.39},{"sentences":[{"text":"Yep.","start":374.27,"end":374.77,"sentiment":"positive","sentiment_score":0.4349164962768554}],"sentiment":"positive","sentiment_score":0.4349164962768554,"channel":1,"num_words":1,"start":374.27,"end":374.77},{"sentences":[{"text":"nice after working for basically a lifetime.","start":374.39,"end":377.145,"sentiment":"positive","sentiment_score":0.5798215184892926}],"sentiment":"positive","sentiment_score":0.5798215184892926,"channel":0,"num_words":7,"start":374.39,"end":377.145},{"sentences":[{"text":"Yep.","start":378.03,"end":378.43,"sentiment":"neutral","sentiment_score":0.29315102100372314},{"text":"K.","start":378.43,"end":378.67,"sentiment":"neutral","sentiment_score":0.2141203135251999},{"text":"So it's just figuring out if we can achieve that and still have that if","start":378.67,"end":383.545,"sentiment":"neutral","sentiment_score":0.3312989930311839}],"sentiment":"neutral","sentiment_score":0.32216213117627535,"channel":1,"num_words":17,"start":378.03,"end":383.545},{"sentences":[{"text":"Mhmm.","start":383.38498,"end":383.88498,"sentiment":"neutral","sentiment_score":0.0524279847741127}],"sentiment":"neutral","sentiment_score":0.0524279847741127,"channel":0,"num_words":1,"start":383.38498,"end":383.88498},{"sentences":[{"text":"I drop back hours as well.","start":383.685,"end":386.42502,"sentiment":"neutral","sentiment_score":0.04349707501629988}],"sentiment":"neutral","sentiment_score":0.04349707501629988,"channel":1,"num_words":6,"start":383.685,"end":386.42502},{"sentences":[{"text":"Yep.","start":386.905,"end":387.405,"sentiment":"neutral","sentiment_score":0.06559838354587555},{"text":"Yeah.","start":387.465,"end":387.625,"sentiment":"neutral","sentiment_score":0.07107909023761749},{"text":"I can look at that","start":387.625,"end":388.425,"sentiment":"neutral","sentiment_score":0.07698266804218293}],"sentiment":"neutral","sentiment_score":0.07451297342777252,"channel":0,"num_words":7,"start":386.905,"end":388.425},{"sentences":[{"text":"Yeah.","start":388.245,"end":388.745,"sentiment":"neutral","sentiment_score":0.10318632423877716}],"sentiment":"neutral","sentiment_score":0.10318632423877716,"channel":1,"num_words":1,"start":388.245,"end":388.745},{"sentences":[{"text":"for you.","start":388.425,"end":388.905,"sentiment":"neutral","sentiment_score":0.10288303717970848},{"text":"Absolutely.","start":388.905,"end":389.405,"sentiment":"neutral","sentiment_score":0.13072219491004944},{"text":"What are your average what's your average monthly expenditure?","start":390.59,"end":394.13,"sentiment":"neutral","sentiment_score":0.0691356249153614}],"sentiment":"neutral","sentiment_score":0.07989240779230992,"channel":0,"num_words":12,"start":388.425,"end":394.13},{"sentences":[{"text":"Both of us joined?","start":396.66,"end":397.88,"sentiment":"neutral","sentiment_score":0.044045234099030495}],"sentiment":"neutral","sentiment_score":0.044045234099030495,"channel":1,"num_words":4,"start":396.66,"end":397.88},{"sentences":[{"text":"Yeah.","start":398.51,"end":398.91,"sentiment":"neutral","sentiment_score":0.04478838294744491},{"text":"Jointly.","start":398.91,"end":399.41,"sentiment":"neutral","sentiment_score":0.0672515332698822},{"text":"Yeah.","start":399.47,"end":399.71,"sentiment":"neutral","sentiment_score":0.043119873851537704},{"text":"What do you guys' average expenses every month","start":399.71,"end":403.385,"sentiment":"neutral","sentiment_score":0.04304258991032839}],"sentiment":"neutral","sentiment_score":0.045409137213771995,"channel":0,"num_words":11,"start":398.51,"end":403.385},{"sentences":[{"text":"At the moment, our general expenditure, but that includes, like, food, private health, unions, services, rates, water, insurances, and all our vehicle transports and","start":404.45502,"end":414.375,"sentiment":"neutral","sentiment_score":0.04242672499579688}],"sentiment":"neutral","sentiment_score":0.04242672499579688,"channel":1,"num_words":24,"start":404.45502,"end":414.375},{"sentences":[{"text":"say?","start":414.325,"end":414.825,"sentiment":"neutral","sentiment_score":0.036358095705509186}],"sentiment":"neutral","sentiment_score":0.036358095705509186,"channel":0,"num_words":1,"start":414.325,"end":414.825},{"sentences":[{"text":"stuff, is around","start":414.375,"end":415.73502,"sentiment":"neutral","sentiment_score":0.01281607368340095}],"sentiment":"neutral","sentiment_score":0.01281607368340095,"channel":1,"num_words":3,"start":414.375,"end":415.73502},{"sentences":[{"text":"Mhmm.","start":415.525,"end":415.83,"sentiment":"neutral","sentiment_score":0.006023236084729433}],"sentiment":"neutral","sentiment_score":0.006023236084729433,"channel":0,"num_words":1,"start":415.525,"end":415.83},{"sentences":[{"text":"about 4,700 a month.","start":415.73502,"end":417.45,"sentiment":"neutral","sentiment_score":0.012495568953454494}],"sentiment":"neutral","sentiment_score":0.012495568953454494,"channel":1,"num_words":4,"start":415.73502,"end":417.45},{"sentences":[{"text":"4,700 per month.","start":418.22998,"end":420.33,"sentiment":"neutral","sentiment_score":0.02188310430695613},{"text":"Beautiful.","start":420.47,"end":420.97,"sentiment":"neutral","sentiment_score":0.271225243806839}],"sentiment":"neutral","sentiment_score":0.08421863918192685,"channel":0,"num_words":4,"start":418.22998,"end":420.97},{"sentences":[{"text":"But keeping in mind, a lot of those will be gone because we won't have motorbikes.","start":420.49002,"end":424.51,"sentiment":"neutral","sentiment_score":-0.28244409803301096},{"text":"Two unions.","start":424.89,"end":425.63,"sentiment":"neutral","sentiment_score":-0.13970214873552322}],"sentiment":"neutral","sentiment_score":-0.2665838814444012,"channel":1,"num_words":18,"start":420.49002,"end":425.63},{"sentences":[{"text":"Yeah.","start":425.50998,"end":426.00998,"sentiment":"neutral","sentiment_score":-0.07206854224205017}],"sentiment":"neutral","sentiment_score":-0.07206854224205017,"channel":0,"num_words":1,"start":425.50998,"end":426.00998},{"sentences":[{"text":"And and all of those things, like, then","start":425.69,"end":429.21002,"sentiment":"neutral","sentiment_score":-0.06412086682394147}],"sentiment":"neutral","sentiment_score":-0.06412086682394147,"channel":1,"num_words":8,"start":425.69,"end":429.21002},{"sentences":[{"text":"Yeah.","start":429.11,"end":429.61,"sentiment":"neutral","sentiment_score":-0.06178240105509758}],"sentiment":"neutral","sentiment_score":-0.06178240105509758,"channel":0,"num_words":1,"start":429.11,"end":429.61},{"sentences":[{"text":"when we retire.","start":429.21002,"end":430.11002,"sentiment":"neutral","sentiment_score":-0.0817598154147466}],"sentiment":"neutral","sentiment_score":-0.0817598154147466,"channel":1,"num_words":3,"start":429.21002,"end":430.11002},{"sentences":[{"text":"Yeah.","start":430.01498,"end":430.51498,"sentiment":"neutral","sentiment_score":0.03263188898563385},{"text":"Absolutely.","start":430.735,"end":431.235,"sentiment":"neutral","sentiment_score":0.11392141878604888},{"text":"I think the main thing we're looking at that now is if, Lisa, you're wanting to drop your hours to 50%, it means dropping your","start":431.69498,"end":438.175,"sentiment":"neutral","sentiment_score":-0.01488038070499897}],"sentiment":"neutral","sentiment_score":-0.008350229994566352,"channel":0,"num_words":27,"start":430.01498,"end":438.175},{"sentences":[{"text":"Yeah.","start":438.105,"end":438.605,"sentiment":"neutral","sentiment_score":-0.014881299808621408}],"sentiment":"neutral","sentiment_score":-0.014881299808621408,"channel":1,"num_words":1,"start":438.105,"end":438.605},{"sentences":[{"text":"income as well.","start":438.175,"end":439.215,"sentiment":"neutral","sentiment_score":-0.03006398429473241},{"text":"So","start":439.215,"end":439.69498,"sentiment":"neutral","sentiment_score":0.006940603256225586}],"sentiment":"neutral","sentiment_score":-0.020812837406992912,"channel":0,"num_words":4,"start":438.175,"end":439.69498},{"sentences":[{"text":"Yeah.","start":439.625,"end":440.125,"sentiment":"neutral","sentiment_score":0.01750912517309189}],"sentiment":"neutral","sentiment_score":0.01750912517309189,"channel":1,"num_words":1,"start":439.625,"end":440.125},{"sentences":[{"text":"if we wanna look at what that means for your sleep or what your contributions look like going in, we wanna also make sure that if we tell you to do that, if we say it's possible, and","start":439.69498,"end":448.96,"sentiment":"neutral","sentiment_score":0.07128767728021271}],"sentiment":"neutral","sentiment_score":0.07128767728021271,"channel":0,"num_words":38,"start":439.69498,"end":448.96},{"sentences":[{"text":"Yeah.","start":448.94,"end":449.44,"sentiment":"neutral","sentiment_score":-0.026605146005749702}],"sentiment":"neutral","sentiment_score":-0.026605146005749702,"channel":1,"num_words":1,"start":448.94,"end":449.44},{"sentences":[{"text":"it means, you know, putting in extra contributions to supplement, we wanna make sure that you're still able to cover your expenditure,","start":448.96,"end":455.3,"sentiment":"neutral","sentiment_score":0.02315077477727424}],"sentiment":"neutral","sentiment_score":0.02315077477727424,"channel":0,"num_words":22,"start":448.96,"end":455.3},{"sentences":[{"text":"Probably","start":455.18,"end":455.5,"sentiment":"neutral","sentiment_score":0.06757073849439621}],"sentiment":"neutral","sentiment_score":0.06757073849439621,"channel":1,"num_words":1,"start":455.18,"end":455.5},{"sentences":[{"text":"the","start":455.36,"end":455.59998,"sentiment":"neutral","sentiment_score":0.1204732060432434}],"sentiment":"neutral","sentiment_score":0.1204732060432434,"channel":0,"num_words":1,"start":455.36,"end":455.59998},{"sentences":[{"text":"fine.","start":455.5,"end":456.0,"sentiment":"neutral","sentiment_score":0.0811581015586853}],"sentiment":"neutral","sentiment_score":0.0811581015586853,"channel":1,"num_words":1,"start":455.5,"end":456.0},{"sentences":[{"text":"not eating too much of that away.","start":455.68,"end":457.53998,"sentiment":"neutral","sentiment_score":-0.09135619763817106}],"sentiment":"neutral","sentiment_score":-0.09135619763817106,"channel":0,"num_words":7,"start":455.68,"end":457.53998},{"sentences":[{"text":"Yeah.","start":458.22,"end":458.72,"sentiment":"neutral","sentiment_score":0.043079547584056854}],"sentiment":"neutral","sentiment_score":0.043079547584056854,"channel":1,"num_words":1,"start":458.22,"end":458.72},{"sentences":[{"text":"So that's definitely sort of to factor in.","start":458.47998,"end":461.315,"sentiment":"neutral","sentiment_score":0.09700283873826265},{"text":"When","start":461.535,"end":461.775,"sentiment":"neutral","sentiment_score":0.020557990297675133}],"sentiment":"neutral","sentiment_score":0.08850896668930848,"channel":0,"num_words":9,"start":458.47998,"end":461.775},{"sentences":[{"text":"Yep.","start":461.595,"end":462.095,"sentiment":"neutral","sentiment_score":0.012092034332454205}],"sentiment":"neutral","sentiment_score":0.012092034332454205,"channel":1,"num_words":1,"start":461.595,"end":462.095},{"sentences":[{"text":"we income wise now so, Lisa, what's your income at the moment?","start":461.775,"end":466.19498,"sentiment":"neutral","sentiment_score":0.009379537271646162}],"sentiment":"neutral","sentiment_score":0.009379537271646162,"channel":0,"num_words":12,"start":461.775,"end":466.19498},{"sentences":[{"text":"So you want annual gross, or do you want take","start":467.03497,"end":470.07498,"sentiment":"neutral","sentiment_score":0.0024586243787780406}],"sentiment":"neutral","sentiment_score":0.0024586243787780406,"channel":1,"num_words":10,"start":467.03497,"end":470.07498},{"sentences":[{"text":"Yeah.","start":470.01498,"end":470.51498,"sentiment":"neutral","sentiment_score":0.007256335113197565}],"sentiment":"neutral","sentiment_score":0.007256335113197565,"channel":0,"num_words":1,"start":470.01498,"end":470.51498},{"sentences":[{"text":"home?","start":470.07498,"end":470.57498,"sentiment":"neutral","sentiment_score":0.0073386128060519695}],"sentiment":"neutral","sentiment_score":0.0073386128060519695,"channel":1,"num_words":1,"start":470.07498,"end":470.57498},{"sentences":[{"text":"Growth.","start":470.57498,"end":471.07498,"sentiment":"neutral","sentiment_score":0.010529881343245506},{"text":"Both.","start":471.69498,"end":472.19498,"sentiment":"neutral","sentiment_score":0.010131357237696648},{"text":"If","start":472.41498,"end":472.57498,"sentiment":"neutral","sentiment_score":0.012311883270740507}],"sentiment":"neutral","sentiment_score":0.010991040617227554,"channel":0,"num_words":3,"start":470.57498,"end":472.57498},{"sentences":[{"text":"So","start":472.79498,"end":473.03497,"sentiment":"neutral","sentiment_score":0.006270366720855236}],"sentiment":"neutral","sentiment_score":0.006270366720855236,"channel":1,"num_words":1,"start":472.79498,"end":473.03497},{"sentences":[{"text":"you can","start":472.815,"end":473.13498,"sentiment":"neutral","sentiment_score":0.017463418189436197}],"sentiment":"neutral","sentiment_score":0.017463418189436197,"channel":0,"num_words":2,"start":472.815,"end":473.13498},{"sentences":[{"text":"my","start":473.03497,"end":473.275,"sentiment":"neutral","sentiment_score":0.01824565976858139}],"sentiment":"neutral","sentiment_score":0.01824565976858139,"channel":1,"num_words":1,"start":473.03497,"end":473.275},{"sentences":[{"text":"do","start":473.13498,"end":473.375,"sentiment":"neutral","sentiment_score":0.014258363284170628}],"sentiment":"neutral","sentiment_score":0.014258363284170628,"channel":0,"num_words":1,"start":473.13498,"end":473.375},{"sentences":[{"text":"annual","start":473.275,"end":473.75497,"sentiment":"neutral","sentiment_score":0.02000501938164234}],"sentiment":"neutral","sentiment_score":0.02000501938164234,"channel":1,"num_words":1,"start":473.275,"end":473.75497},{"sentences":[{"text":"growth if","start":473.375,"end":473.775,"sentiment":"neutral","sentiment_score":0.022947206161916256}],"sentiment":"neutral","sentiment_score":0.022947206161916256,"channel":0,"num_words":2,"start":473.375,"end":473.775},{"sentences":[{"text":"gross","start":473.75497,"end":474.25497,"sentiment":"neutral","sentiment_score":0.014873170293867588}],"sentiment":"neutral","sentiment_score":0.014873170293867588,"channel":1,"num_words":1,"start":473.75497,"end":474.25497},{"sentences":[{"text":"you want that I","start":473.775,"end":475.71,"sentiment":"neutral","sentiment_score":0.02147330017760396}],"sentiment":"neutral","sentiment_score":0.02147330017760396,"channel":0,"num_words":4,"start":473.775,"end":475.71},{"sentences":[{"text":"my annual gross is","start":475.5,"end":476.46,"sentiment":"neutral","sentiment_score":0.023829779122024775}],"sentiment":"neutral","sentiment_score":0.023829779122024775,"channel":1,"num_words":4,"start":475.5,"end":476.46},{"sentences":[{"text":"can","start":476.33,"end":476.83,"sentiment":"neutral","sentiment_score":0.03181403502821922}],"sentiment":"neutral","sentiment_score":0.03181403502821922,"channel":0,"num_words":1,"start":476.33,"end":476.83},{"sentences":[{"text":"a $195.07","start":476.46,"end":479.81998,"sentiment":"neutral","sentiment_score":0.030741605907678604}],"sentiment":"neutral","sentiment_score":0.030741605907678604,"channel":1,"num_words":2,"start":476.46,"end":479.81998},{"sentences":[{"text":"work out.","start":477.45,"end":479.07,"sentiment":"neutral","sentiment_score":0.022028790786862373},{"text":"Yep.","start":479.69,"end":480.19,"sentiment":"neutral","sentiment_score":0.02228495106101036}],"sentiment":"neutral","sentiment_score":0.0221141775449117,"channel":0,"num_words":3,"start":477.45,"end":480.19},{"sentences":[{"text":"6 a year,","start":479.81998,"end":481.19998,"sentiment":"neutral","sentiment_score":0.016577405855059624}],"sentiment":"neutral","sentiment_score":0.016577405855059624,"channel":1,"num_words":3,"start":479.81998,"end":481.19998},{"sentences":[{"text":"$8.07 6.","start":480.81,"end":481.85,"sentiment":"neutral","sentiment_score":0.01990554668009281},{"text":"Yep.","start":481.85,"end":482.25,"sentiment":"neutral","sentiment_score":0.09204666316509248},{"text":"Beautiful.","start":482.25,"end":482.75,"sentiment":"positive","sentiment_score":0.404760479927063},{"text":"It's","start":483.05,"end":483.29,"sentiment":"neutral","sentiment_score":0.2008858621120453}],"sentiment":"neutral","sentiment_score":0.14750081971287726,"channel":0,"num_words":5,"start":480.81,"end":483.29},{"sentences":[{"text":"and","start":483.18,"end":483.41998,"sentiment":"neutral","sentiment_score":0.18547269701957703}],"sentiment":"neutral","sentiment_score":0.18547269701957703,"channel":1,"num_words":1,"start":483.18,"end":483.41998},{"sentences":[{"text":"about","start":483.29,"end":483.61,"sentiment":"neutral","sentiment_score":0.16400228440761566}],"sentiment":"neutral","sentiment_score":0.16400228440761566,"channel":0,"num_words":1,"start":483.29,"end":483.61},{"sentences":[{"text":"my","start":483.41998,"end":483.74,"sentiment":"neutral","sentiment_score":0.14516936242580414}],"sentiment":"neutral","sentiment_score":0.14516936242580414,"channel":1,"num_words":1,"start":483.41998,"end":483.74},{"sentences":[{"text":"the","start":483.61,"end":483.77,"sentiment":"neutral","sentiment_score":0.07959722727537155}],"sentiment":"neutral","sentiment_score":0.07959722727537155,"channel":0,"num_words":1,"start":483.61,"end":483.77},{"sentences":[{"text":"take","start":483.74,"end":483.97998,"sentiment":"neutral","sentiment_score":0.06958182901144028}],"sentiment":"neutral","sentiment_score":0.06958182901144028,"channel":1,"num_words":1,"start":483.74,"end":483.97998},{"sentences":[{"text":"same.","start":483.77,"end":484.27,"sentiment":"neutral","sentiment_score":0.09624139964580536}],"sentiment":"neutral","sentiment_score":0.09624139964580536,"channel":0,"num_words":1,"start":483.77,"end":484.27},{"sentences":[{"text":"home, which I only have in monthly, is $5.01 $4.08 and 60¢ a month.","start":483.97998,"end":489.375,"sentiment":"neutral","sentiment_score":0.06095435441686557}],"sentiment":"neutral","sentiment_score":0.06095435441686557,"channel":1,"num_words":14,"start":483.97998,"end":489.375},{"sentences":[{"text":"$5.01 $4.08 and 60¢.","start":489.37,"end":492.14502,"sentiment":"neutral","sentiment_score":0.03862347329656283},{"text":"Beautiful.","start":492.285,"end":492.785,"sentiment":"neutral","sentiment_score":0.3243889808654785},{"text":"And per month.","start":492.845,"end":493.725,"sentiment":"positive","sentiment_score":0.3340168446302414},{"text":"Excellent.","start":493.725,"end":494.225,"sentiment":"positive","sentiment_score":0.4577213227748871}],"sentiment":"neutral","sentiment_score":0.23750390717759728,"channel":0,"num_words":9,"start":489.37,"end":494.225},{"sentences":[{"text":"And that's working, you know, full time well, four days of four days","start":494.475,"end":497.915,"sentiment":"neutral","sentiment_score":0.2862208829476283}],"sentiment":"neutral","sentiment_score":0.2862208829476283,"channel":1,"num_words":13,"start":494.475,"end":497.915},{"sentences":[{"text":"Full","start":497.64502,"end":497.965,"sentiment":"neutral","sentiment_score":0.2554273307323456}],"sentiment":"neutral","sentiment_score":0.2554273307323456,"channel":0,"num_words":1,"start":497.64502,"end":497.965},{"sentences":[{"text":"of","start":497.915,"end":498.415,"sentiment":"neutral","sentiment_score":0.2696763277053833}],"sentiment":"neutral","sentiment_score":0.2696763277053833,"channel":1,"num_words":1,"start":497.915,"end":498.415},{"sentences":[{"text":"time.","start":497.965,"end":498.465,"sentiment":"neutral","sentiment_score":0.2476554214954376}],"sentiment":"neutral","sentiment_score":0.2476554214954376,"channel":0,"num_words":1,"start":497.965,"end":498.465},{"sentences":[{"text":"well, full full time.","start":498.715,"end":499.755,"sentiment":"neutral","sentiment_score":0.26753227412700653},{"text":"Yeah.","start":499.755,"end":500.075,"sentiment":"neutral","sentiment_score":0.14630049467086792},{"text":"Full time out.","start":500.075,"end":500.76,"sentiment":"neutral","sentiment_score":0.14825711647669473}],"sentiment":"neutral","sentiment_score":0.20765011757612228,"channel":1,"num_words":8,"start":498.715,"end":500.76},{"sentences":[{"text":"Yep.","start":501.405,"end":501.80502,"sentiment":"neutral","sentiment_score":0.1330505907535553},{"text":"Okay.","start":501.80502,"end":502.125,"sentiment":"neutral","sentiment_score":0.25324583053588867},{"text":"Perfect.","start":502.125,"end":502.52502,"sentiment":"neutral","sentiment_score":0.14254029095172882},{"text":"So if you drop down to 50%, we'd assume 50% of your income, so it would drop by about 50%, say.","start":502.52502,"end":508.58,"sentiment":"neutral","sentiment_score":0.00833420730417683}],"sentiment":"neutral","sentiment_score":0.02932729440120359,"channel":0,"num_words":24,"start":501.405,"end":508.58},{"sentences":[{"text":"I assume so anyway.","start":508.68002,"end":509.64,"sentiment":"neutral","sentiment_score":-0.03433232009410858},{"text":"A bit of a tech.","start":509.80002,"end":510.28,"sentiment":"neutral","sentiment_score":-0.07836440205574036},{"text":"Probably be a little bit that's a bit more.","start":510.36002,"end":512.54004,"sentiment":"neutral","sentiment_score":-0.06057480132828156}],"sentiment":"neutral","sentiment_score":-0.05968469458942612,"channel":1,"num_words":18,"start":508.68002,"end":512.54004},{"sentences":[{"text":"Yep.","start":512.8,"end":513.2,"sentiment":"neutral","sentiment_score":0.01961430720984936},{"text":"That's","start":513.2,"end":513.52,"sentiment":"neutral","sentiment_score":0.026209726929664612}],"sentiment":"neutral","sentiment_score":0.022912017069756985,"channel":0,"num_words":2,"start":512.8,"end":513.52},{"sentences":[{"text":"Yeah.","start":513.495,"end":513.995,"sentiment":"neutral","sentiment_score":0.03216036036610603}],"sentiment":"neutral","sentiment_score":0.03216036036610603,"channel":1,"num_words":1,"start":513.495,"end":513.995},{"sentences":[{"text":"okay.","start":513.52,"end":514.0,"sentiment":"neutral","sentiment_score":0.01846330799162388},{"text":"Can I ask what's your what's your hourly rate, and how many hours would you expect to work?","start":514.0,"end":519.6,"sentiment":"neutral","sentiment_score":0.011859121835894056},{"text":"Because I can do the math manually","start":519.6,"end":521.025,"sentiment":"neutral","sentiment_score":-0.007398902571627072}],"sentiment":"neutral","sentiment_score":0.0069282762706279755,"channel":0,"num_words":26,"start":513.52,"end":521.025},{"sentences":[{"text":"Okay.","start":522.215,"end":522.615,"sentiment":"neutral","sentiment_score":-0.004633835516870022},{"text":"Hang on one sec.","start":522.615,"end":524.155,"sentiment":"neutral","sentiment_score":-0.006621777079999447},{"text":"It's on oh, wrong phone.","start":525.5,"end":527.2,"sentiment":"neutral","sentiment_score":-0.014759380882605911},{"text":"I think I've got space, and that was mine.","start":527.26,"end":529.68,"sentiment":"neutral","sentiment_score":-0.010234393800298372},{"text":"Just get my payslip.","start":530.3,"end":531.26,"sentiment":"neutral","sentiment_score":0.04748134780675173}],"sentiment":"neutral","sentiment_score":-0.0003087826619815567,"channel":1,"num_words":23,"start":522.215,"end":531.26},{"sentences":[{"text":"That'll be easier to look at.","start":531.26,"end":532.88,"sentiment":"neutral","sentiment_score":0.06330856059988339}],"sentiment":"neutral","sentiment_score":0.06330856059988339,"channel":1,"num_words":6,"start":531.26,"end":532.88},{"sentences":[{"text":"Yeah.","start":532.86505,"end":533.185,"sentiment":"neutral","sentiment_score":-0.006329476833343506},{"text":"You're","start":533.185,"end":533.43,"sentiment":"neutral","sentiment_score":-0.013683970086276531}],"sentiment":"neutral","sentiment_score":-0.010006723459810019,"channel":0,"num_words":2,"start":532.86505,"end":533.43},{"sentences":[{"text":"Because I think I've I've with me dropping wages,","start":534.54,"end":537.18,"sentiment":"neutral","sentiment_score":-0.052748415205213756}],"sentiment":"neutral","sentiment_score":-0.052748415205213756,"channel":1,"num_words":9,"start":534.54,"end":537.18},{"sentences":[{"text":"fine.","start":537.02997,"end":537.52997,"sentiment":"neutral","sentiment_score":-0.028175871819257736}],"sentiment":"neutral","sentiment_score":-0.028175871819257736,"channel":0,"num_words":1,"start":537.02997,"end":537.52997},{"sentences":[{"text":"I've gone to just shy of 1,500 a week","start":537.18,"end":540.56,"sentiment":"neutral","sentiment_score":-0.01344685194392999}],"sentiment":"neutral","sentiment_score":-0.01344685194392999,"channel":1,"num_words":9,"start":537.18,"end":540.56},{"sentences":[{"text":"Okay.","start":541.11,"end":541.61,"sentiment":"neutral","sentiment_score":-0.008605251088738441},{"text":"Let's","start":541.91,"end":542.23,"sentiment":"neutral","sentiment_score":-0.01399504765868187}],"sentiment":"neutral","sentiment_score":-0.011300149373710155,"channel":0,"num_words":2,"start":541.11,"end":542.23},{"sentences":[{"text":"instead","start":542.205,"end":542.525,"sentiment":"neutral","sentiment_score":-0.0008632242679595947}],"sentiment":"neutral","sentiment_score":-0.0008632242679595947,"channel":1,"num_words":1,"start":542.205,"end":542.525},{"sentences":[{"text":"update","start":542.23,"end":542.71,"sentiment":"neutral","sentiment_score":-0.0069539230316877365}],"sentiment":"neutral","sentiment_score":-0.0069539230316877365,"channel":0,"num_words":1,"start":542.23,"end":542.71},{"sentences":[{"text":"of two","start":542.525,"end":543.185,"sentiment":"neutral","sentiment_score":-0.0014341585338115692}],"sentiment":"neutral","sentiment_score":-0.0014341585338115692,"channel":1,"num_words":2,"start":542.525,"end":543.185},{"sentences":[{"text":"that for","start":542.71,"end":543.52997,"sentiment":"neutral","sentiment_score":-0.013652170076966286}],"sentiment":"neutral","sentiment_score":-0.013652170076966286,"channel":0,"num_words":2,"start":542.71,"end":543.52997},{"sentences":[{"text":"instead of $2.04.","start":543.325,"end":544.465,"sentiment":"neutral","sentiment_score":-0.005943800846580416},{"text":"So it was","start":544.84503,"end":545.245,"sentiment":"neutral","sentiment_score":-0.005268522227803866}],"sentiment":"neutral","sentiment_score":-0.005606161537192141,"channel":1,"num_words":6,"start":543.325,"end":545.245},{"sentences":[{"text":"you.","start":545.19,"end":545.43,"sentiment":"neutral","sentiment_score":-0.007273550610989332}],"sentiment":"neutral","sentiment_score":-0.007273550610989332,"channel":0,"num_words":1,"start":545.19,"end":545.43},{"sentences":[{"text":"only","start":545.245,"end":545.745,"sentiment":"neutral","sentiment_score":-0.005110207945108414}],"sentiment":"neutral","sentiment_score":-0.005110207945108414,"channel":1,"num_words":1,"start":545.245,"end":545.745},{"sentences":[{"text":"Yeah.","start":545.43,"end":545.745,"sentiment":"neutral","sentiment_score":-0.009977785870432854}],"sentiment":"neutral","sentiment_score":-0.009977785870432854,"channel":0,"num_words":1,"start":545.43,"end":545.745},{"sentences":[{"text":"a $900 drop.","start":546.685,"end":547.985,"sentiment":"neutral","sentiment_score":-0.01226197648793459},{"text":"So I","start":549.965,"end":550.365,"sentiment":"neutral","sentiment_score":0.0008038217201828957}],"sentiment":"neutral","sentiment_score":-0.007035657204687596,"channel":1,"num_words":5,"start":546.685,"end":550.365},{"sentences":[{"text":"So","start":550.545,"end":550.785,"sentiment":"neutral","sentiment_score":-0.0034758225083351135}],"sentiment":"neutral","sentiment_score":-0.0034758225083351135,"channel":0,"num_words":1,"start":550.545,"end":550.785},{"sentences":[{"text":"my","start":550.60504,"end":550.925,"sentiment":"neutral","sentiment_score":-0.0008853897452354431}],"sentiment":"neutral","sentiment_score":-0.0008853897452354431,"channel":1,"num_words":1,"start":550.60504,"end":550.925},{"sentences":[{"text":"so","start":550.785,"end":550.94495,"sentiment":"neutral","sentiment_score":0.00621500238776207}],"sentiment":"neutral","sentiment_score":0.00621500238776207,"channel":0,"num_words":1,"start":550.785,"end":550.94495},{"sentences":[{"text":"alley,","start":550.925,"end":551.245,"sentiment":"neutral","sentiment_score":0.0072334399446845055}],"sentiment":"neutral","sentiment_score":0.0072334399446845055,"channel":1,"num_words":1,"start":550.925,"end":551.245},{"sentences":[{"text":"it's got","start":550.94495,"end":551.345,"sentiment":"neutral","sentiment_score":0.022388603072613478}],"sentiment":"neutral","sentiment_score":0.022388603072613478,"channel":0,"num_words":2,"start":550.94495,"end":551.345},{"sentences":[{"text":"right,","start":551.245,"end":551.485,"sentiment":"neutral","sentiment_score":0.008494758978486061}],"sentiment":"neutral","sentiment_score":0.008494758978486061,"channel":1,"num_words":1,"start":551.245,"end":551.485},{"sentences":[{"text":"you","start":551.345,"end":551.505,"sentiment":"neutral","sentiment_score":0.0012564323842525482}],"sentiment":"neutral","sentiment_score":0.0012564323842525482,"channel":0,"num_words":1,"start":551.345,"end":551.505},{"sentences":[{"text":"is","start":551.485,"end":551.645,"sentiment":"neutral","sentiment_score":-0.00008738785982131958}],"sentiment":"neutral","sentiment_score":-0.00008738785982131958,"channel":1,"num_words":1,"start":551.485,"end":551.645},{"sentences":[{"text":"on","start":551.505,"end":551.825,"sentiment":"neutral","sentiment_score":0.009108424186706545}],"sentiment":"neutral","sentiment_score":0.009108424186706545,"channel":0,"num_words":1,"start":551.505,"end":551.825},{"sentences":[{"text":"that","start":551.645,"end":551.885,"sentiment":"neutral","sentiment_score":-0.00331675261259079}],"sentiment":"neutral","sentiment_score":-0.00331675261259079,"channel":1,"num_words":1,"start":551.645,"end":551.885},{"sentences":[{"text":"15 100","start":551.825,"end":552.625,"sentiment":"neutral","sentiment_score":-0.0027189180254936227}],"sentiment":"neutral","sentiment_score":-0.0027189180254936227,"channel":0,"num_words":2,"start":551.825,"end":552.625},{"sentences":[{"text":"oh, sorry.","start":552.28503,"end":552.945,"sentiment":"neutral","sentiment_score":-0.018504570238292217}],"sentiment":"neutral","sentiment_score":-0.018504570238292217,"channel":1,"num_words":2,"start":552.28503,"end":552.945},{"sentences":[{"text":"per week.","start":552.625,"end":553.365,"sentiment":"neutral","sentiment_score":-0.011657707393169403},{"text":"No.","start":554.065,"end":554.225,"sentiment":"neutral","sentiment_score":-0.025977369397878647},{"text":"You're","start":554.225,"end":554.46497,"sentiment":"neutral","sentiment_score":0.0009140651673078536}],"sentiment":"neutral","sentiment_score":-0.0120946797542274,"channel":0,"num_words":4,"start":552.625,"end":554.46497},{"sentences":[{"text":"Yeah.","start":554.28503,"end":554.445,"sentiment":"neutral","sentiment_score":0.03070200607180595},{"text":"It's","start":554.445,"end":554.60504,"sentiment":"neutral","sentiment_score":0.06319981068372726}],"sentiment":"neutral","sentiment_score":0.04695090837776661,"channel":1,"num_words":2,"start":554.28503,"end":554.60504},{"sentences":[{"text":"right.","start":554.46497,"end":554.625,"sentiment":"neutral","sentiment_score":0.06257370114326477}],"sentiment":"neutral","sentiment_score":0.06257370114326477,"channel":0,"num_words":1,"start":554.46497,"end":554.625},{"sentences":[{"text":"14","start":554.60504,"end":555.10504,"sentiment":"neutral","sentiment_score":0.3121018409729004}],"sentiment":"neutral","sentiment_score":0.3121018409729004,"channel":1,"num_words":1,"start":554.60504,"end":555.10504},{"sentences":[{"text":"All good.","start":554.625,"end":555.365,"sentiment":"neutral","sentiment_score":0.14750384539365768}],"sentiment":"neutral","sentiment_score":0.14750384539365768,"channel":0,"num_words":2,"start":554.625,"end":555.365},{"sentences":[{"text":"1,400 and change, I think I am.","start":555.87,"end":557.71,"sentiment":"neutral","sentiment_score":0.01697825487436993},{"text":"Let me get you down.","start":557.71,"end":558.59,"sentiment":"neutral","sentiment_score":-0.003347201133146882}],"sentiment":"neutral","sentiment_score":0.008509314871237924,"channel":1,"num_words":12,"start":555.87,"end":558.59},{"sentences":[{"text":"14","start":558.225,"end":558.725,"sentiment":"neutral","sentiment_score":-0.008172115311026573}],"sentiment":"neutral","sentiment_score":-0.008172115311026573,"channel":0,"num_words":1,"start":558.225,"end":558.725},{"sentences":[{"text":"You are now I don't have your weekly.","start":558.59,"end":560.35004,"sentiment":"neutral","sentiment_score":-0.06203651009127498},{"text":"I've just got 517104 a month.","start":560.35004,"end":563.65,"sentiment":"neutral","sentiment_score":-0.03212358243763447},{"text":"$5.01 $7.01.","start":563.71,"end":564.83,"sentiment":"neutral","sentiment_score":-0.010175926610827446},{"text":"Yeah.","start":564.83,"end":565.33,"sentiment":"neutral","sentiment_score":-0.01653415709733963},{"text":"Hang on.","start":565.55,"end":566.37,"sentiment":"neutral","sentiment_score":-0.027518747374415398}],"sentiment":"neutral","sentiment_score":-0.04110300423283326,"channel":1,"num_words":19,"start":558.59,"end":566.37},{"sentences":[{"text":"Aren't you 5,000 a month?","start":566.51,"end":568.29004,"sentiment":"neutral","sentiment_score":-0.02114869300276041},{"text":"I'm the same","start":568.35004,"end":569.07,"sentiment":"neutral","sentiment_score":-0.029566670457522076}],"sentiment":"neutral","sentiment_score":-0.024305434548296034,"channel":1,"num_words":8,"start":566.51,"end":569.07},{"sentences":[{"text":"100.","start":568.99,"end":569.49,"sentiment":"neutral","sentiment_score":-0.02304815873503685}],"sentiment":"neutral","sentiment_score":-0.02304815873503685,"channel":0,"num_words":1,"start":568.99,"end":569.49},{"sentences":[{"text":"I'm the same if I drop down.","start":569.07,"end":570.51,"sentiment":"neutral","sentiment_score":-0.02677817483033453},{"text":"Oh, okay.","start":570.51,"end":571.07,"sentiment":"neutral","sentiment_score":-0.0029835933819413185},{"text":"Yep.","start":571.07,"end":571.365,"sentiment":"neutral","sentiment_score":0.0004103488172404468},{"text":"Oh, so that's not what my job is.","start":571.845,"end":573.605,"sentiment":"neutral","sentiment_score":-0.11706730257719755},{"text":"No.","start":573.605,"end":573.845,"sentiment":"neutral","sentiment_score":-0.2927340865135193}],"sentiment":"neutral","sentiment_score":-0.07485666152053072,"channel":1,"num_words":19,"start":569.07,"end":573.845},{"sentences":[{"text":"Yours is wrong.","start":573.845,"end":574.805,"sentiment":"negative","sentiment_score":-0.3429848551750183},{"text":"Sorry.","start":574.805,"end":575.205,"sentiment":"neutral","sentiment_score":-0.3116607069969177},{"text":"I'm giving you my wrong pay.","start":575.205,"end":576.885,"sentiment":"neutral","sentiment_score":-0.32975398500760394},{"text":"That's that's a fortnight you've given up.","start":576.885,"end":578.885,"sentiment":"neutral","sentiment_score":-0.2786533981561661},{"text":"Yeah.","start":578.885,"end":579.125,"sentiment":"neutral","sentiment_score":-0.04132504388689995}],"sentiment":"neutral","sentiment_score":-0.2950576674193144,"channel":1,"num_words":18,"start":573.845,"end":579.125},{"sentences":[{"text":"I have.","start":579.125,"end":579.705,"sentiment":"neutral","sentiment_score":-0.025632447563111782}],"sentiment":"neutral","sentiment_score":-0.025632447563111782,"channel":1,"num_words":2,"start":579.125,"end":579.705},{"sentences":[{"text":"That's okay.","start":581.405,"end":582.22504,"sentiment":"neutral","sentiment_score":0.06245240196585655},{"text":"That's alright.","start":582.28503,"end":583.005,"sentiment":"neutral","sentiment_score":0.07169786840677261},{"text":"So net month net sorry.","start":583.005,"end":586.25,"sentiment":"neutral","sentiment_score":0.002194144017994404},{"text":"Monthly.","start":586.25,"end":586.75,"sentiment":"neutral","sentiment_score":0.013866018503904344}],"sentiment":"neutral","sentiment_score":0.02931372793391347,"channel":0,"num_words":10,"start":581.405,"end":586.75},{"sentences":[{"text":"Will be double that figure that she gave you, so it'll","start":587.32996,"end":590.13,"sentiment":"neutral","sentiment_score":0.02878934754566713}],"sentiment":"neutral","sentiment_score":0.02878934754566713,"channel":1,"num_words":11,"start":587.32996,"end":590.13},{"sentences":[{"text":"Yep.","start":590.01,"end":590.41003,"sentiment":"neutral","sentiment_score":0.010321348905563354}],"sentiment":"neutral","sentiment_score":0.010321348905563354,"channel":0,"num_words":1,"start":590.01,"end":590.41003},{"sentences":[{"text":"be","start":590.13,"end":590.45,"sentiment":"neutral","sentiment_score":0.007812073454260826}],"sentiment":"neutral","sentiment_score":0.007812073454260826,"channel":1,"num_words":1,"start":590.13,"end":590.45},{"sentences":[{"text":"Double.","start":590.41003,"end":590.91003,"sentiment":"neutral","sentiment_score":0.0038531296886503696}],"sentiment":"neutral","sentiment_score":0.0038531296886503696,"channel":0,"num_words":1,"start":590.41003,"end":590.91003},{"sentences":[{"text":"10,000 and something.","start":590.45,"end":593.11,"sentiment":"neutral","sentiment_score":0.003280740541716417},{"text":"It'll be 10,000","start":593.25,"end":594.20996,"sentiment":"neutral","sentiment_score":0.008352863291899363}],"sentiment":"neutral","sentiment_score":0.00581680191680789,"channel":1,"num_words":6,"start":590.45,"end":594.20996},{"sentences":[{"text":"For","start":593.93005,"end":594.25,"sentiment":"neutral","sentiment_score":0.000929899513721466}],"sentiment":"neutral","sentiment_score":0.000929899513721466,"channel":0,"num_words":1,"start":593.93005,"end":594.25},{"sentences":[{"text":"6","start":594.20996,"end":594.52997,"sentiment":"neutral","sentiment_score":0.0009261462837457656}],"sentiment":"neutral","sentiment_score":0.0009261462837457656,"channel":1,"num_words":1,"start":594.20996,"end":594.52997},{"sentences":[{"text":"monthly.","start":594.25,"end":594.75,"sentiment":"neutral","sentiment_score":-0.0001652594655752182}],"sentiment":"neutral","sentiment_score":-0.0001652594655752182,"channel":0,"num_words":1,"start":594.25,"end":594.75},{"sentences":[{"text":"101.","start":594.52997,"end":597.61505,"sentiment":"neutral","sentiment_score":0.016061795875430107}],"sentiment":"neutral","sentiment_score":0.016061795875430107,"channel":1,"num_words":1,"start":594.52997,"end":597.61505},{"sentences":[{"text":"That actually","start":597.37006,"end":597.85004,"sentiment":"neutral","sentiment_score":0.02972445636987686}],"sentiment":"neutral","sentiment_score":0.02972445636987686,"channel":0,"num_words":2,"start":597.37006,"end":597.85004},{"sentences":[{"text":"Yeah.","start":597.61505,"end":597.775,"sentiment":"neutral","sentiment_score":0.05114786699414253},{"text":"Double","start":597.775,"end":598.17505,"sentiment":"neutral","sentiment_score":0.10513804107904434}],"sentiment":"neutral","sentiment_score":0.07814295403659344,"channel":1,"num_words":2,"start":597.61505,"end":598.17505},{"sentences":[{"text":"works out","start":597.85004,"end":598.25,"sentiment":"neutral","sentiment_score":0.08812429010868073}],"sentiment":"neutral","sentiment_score":0.08812429010868073,"channel":0,"num_words":2,"start":597.85004,"end":598.25},{"sentences":[{"text":"one.","start":598.17505,"end":598.67505,"sentiment":"neutral","sentiment_score":0.08523060381412506}],"sentiment":"neutral","sentiment_score":0.08523060381412506,"channel":1,"num_words":1,"start":598.17505,"end":598.67505},{"sentences":[{"text":"better.","start":598.25,"end":598.545,"sentiment":"neutral","sentiment_score":0.1901416927576065},{"text":"Beautiful.","start":599.02496,"end":599.52496,"sentiment":"positive","sentiment_score":0.4308354258537293}],"sentiment":"neutral","sentiment_score":0.3104885593056679,"channel":0,"num_words":2,"start":598.25,"end":599.52496},{"sentences":[{"text":"Yeah.","start":599.29504,"end":599.79504,"sentiment":"neutral","sentiment_score":0.17646193504333496}],"sentiment":"neutral","sentiment_score":0.17646193504333496,"channel":1,"num_words":1,"start":599.29504,"end":599.79504},{"sentences":[{"text":"And that's your that's","start":599.665,"end":601.745,"sentiment":"neutral","sentiment_score":0.09091597609221935}],"sentiment":"neutral","sentiment_score":0.09091597609221935,"channel":0,"num_words":4,"start":599.665,"end":601.745},{"sentences":[{"text":"You","start":601.53503,"end":601.775,"sentiment":"neutral","sentiment_score":0.01711845211684704}],"sentiment":"neutral","sentiment_score":0.01711845211684704,"channel":1,"num_words":1,"start":601.53503,"end":601.775},{"sentences":[{"text":"your","start":601.745,"end":601.985,"sentiment":"neutral","sentiment_score":-0.004769038408994675}],"sentiment":"neutral","sentiment_score":-0.004769038408994675,"channel":0,"num_words":1,"start":601.745,"end":601.985},{"sentences":[{"text":"were thinking","start":601.775,"end":602.255,"sentiment":"neutral","sentiment_score":-0.012244689278304577}],"sentiment":"neutral","sentiment_score":-0.012244689278304577,"channel":1,"num_words":2,"start":601.775,"end":602.255},{"sentences":[{"text":"current","start":601.985,"end":602.385,"sentiment":"neutral","sentiment_score":-0.005596466362476349}],"sentiment":"neutral","sentiment_score":-0.005596466362476349,"channel":0,"num_words":1,"start":601.985,"end":602.385},{"sentences":[{"text":"that was","start":602.255,"end":602.575,"sentiment":"neutral","sentiment_score":-0.012805281206965446}],"sentiment":"neutral","sentiment_score":-0.012805281206965446,"channel":1,"num_words":2,"start":602.255,"end":602.575},{"sentences":[{"text":"net","start":602.385,"end":602.625,"sentiment":"neutral","sentiment_score":0.006858903914690018}],"sentiment":"neutral","sentiment_score":0.006858903914690018,"channel":0,"num_words":1,"start":602.385,"end":602.625},{"sentences":[{"text":"very","start":602.575,"end":602.815,"sentiment":"neutral","sentiment_score":0.005725927650928497}],"sentiment":"neutral","sentiment_score":0.005725927650928497,"channel":1,"num_words":1,"start":602.575,"end":602.815},{"sentences":[{"text":"in that","start":602.625,"end":603.02496,"sentiment":"neutral","sentiment_score":0.02585100382566452}],"sentiment":"neutral","sentiment_score":0.02585100382566452,"channel":0,"num_words":2,"start":602.625,"end":603.02496},{"sentences":[{"text":"small","start":602.815,"end":603.05505,"sentiment":"neutral","sentiment_score":0.025434499606490135}],"sentiment":"neutral","sentiment_score":0.025434499606490135,"channel":1,"num_words":1,"start":602.815,"end":603.05505},{"sentences":[{"text":"per","start":603.02496,"end":603.105,"sentiment":"neutral","sentiment_score":0.0270317904651165}],"sentiment":"neutral","sentiment_score":0.0270317904651165,"channel":0,"num_words":1,"start":603.02496,"end":603.105},{"sentences":[{"text":"if","start":603.05505,"end":603.215,"sentiment":"neutral","sentiment_score":0.0154414102435112}],"sentiment":"neutral","sentiment_score":0.0154414102435112,"channel":1,"num_words":1,"start":603.05505,"end":603.215},{"sentences":[{"text":"month.","start":603.105,"end":603.605,"sentiment":"neutral","sentiment_score":0.030168533325195312}],"sentiment":"neutral","sentiment_score":0.030168533325195312,"channel":0,"num_words":1,"start":603.105,"end":603.605},{"sentences":[{"text":"I'm gonna have that.","start":603.215,"end":604.35504,"sentiment":"neutral","sentiment_score":0.02370509086176753}],"sentiment":"neutral","sentiment_score":0.02370509086176753,"channel":1,"num_words":4,"start":603.215,"end":604.35504},{"sentences":[{"text":"No.","start":605.825,"end":606.065,"sentiment":"neutral","sentiment_score":-0.07862282544374466},{"text":"That's okay.","start":606.065,"end":606.885,"sentiment":"neutral","sentiment_score":-0.026603640988469124},{"text":"You're right.","start":606.945,"end":607.685,"sentiment":"neutral","sentiment_score":0.03093063458800316}],"sentiment":"neutral","sentiment_score":-0.013993767648935318,"channel":0,"num_words":5,"start":605.825,"end":607.685},{"sentences":[{"text":"Sorry.","start":607.455,"end":607.955,"sentiment":"neutral","sentiment_score":-0.0314381904900074}],"sentiment":"neutral","sentiment_score":-0.0314381904900074,"channel":1,"num_words":1,"start":607.455,"end":607.955},{"sentences":[{"text":"No.","start":608.70496,"end":608.865,"sentiment":"neutral","sentiment_score":-0.012771530076861382},{"text":"That's absolutely fine.","start":608.865,"end":610.14496,"sentiment":"neutral","sentiment_score":0.10323374966780345},{"text":"And what's","start":610.14496,"end":610.545,"sentiment":"neutral","sentiment_score":0.02979630045592785}],"sentiment":"neutral","sentiment_score":0.05942038663973411,"channel":0,"num_words":6,"start":608.70496,"end":610.545},{"sentences":[{"text":"Do","start":610.41504,"end":610.575,"sentiment":"neutral","sentiment_score":0.010208163410425186}],"sentiment":"neutral","sentiment_score":0.010208163410425186,"channel":1,"num_words":1,"start":610.41504,"end":610.575},{"sentences":[{"text":"your","start":610.545,"end":610.865,"sentiment":"neutral","sentiment_score":0.017092803493142128}],"sentiment":"neutral","sentiment_score":0.017092803493142128,"channel":0,"num_words":1,"start":610.545,"end":610.865},{"sentences":[{"text":"you want","start":610.575,"end":610.895,"sentiment":"neutral","sentiment_score":0.011640635319054127}],"sentiment":"neutral","sentiment_score":0.011640635319054127,"channel":1,"num_words":2,"start":610.575,"end":610.895},{"sentences":[{"text":"hourly","start":610.865,"end":611.26495,"sentiment":"neutral","sentiment_score":0.020891450345516205}],"sentiment":"neutral","sentiment_score":0.020891450345516205,"channel":0,"num_words":1,"start":610.865,"end":611.26495},{"sentences":[{"text":"my hourly","start":610.895,"end":611.53503,"sentiment":"neutral","sentiment_score":0.01453665504232049}],"sentiment":"neutral","sentiment_score":0.01453665504232049,"channel":1,"num_words":2,"start":610.895,"end":611.53503},{"sentences":[{"text":"rate there,","start":611.26495,"end":611.82,"sentiment":"neutral","sentiment_score":0.016172896604985}],"sentiment":"neutral","sentiment_score":0.016172896604985,"channel":0,"num_words":2,"start":611.26495,"end":611.82},{"sentences":[{"text":"rate?","start":611.53503,"end":611.85,"sentiment":"neutral","sentiment_score":0.019962921738624573}],"sentiment":"neutral","sentiment_score":0.019962921738624573,"channel":1,"num_words":1,"start":611.53503,"end":611.85},{"sentences":[{"text":"Lisa?","start":611.9,"end":612.38,"sentiment":"neutral","sentiment_score":0.022057145833969116},{"text":"Yes, please.","start":612.38,"end":613.10004,"sentiment":"neutral","sentiment_score":0.03842487186193466}],"sentiment":"neutral","sentiment_score":0.032968963185946144,"channel":0,"num_words":3,"start":611.9,"end":613.10004},{"sentences":[{"text":"My","start":612.81,"end":613.31,"sentiment":"neutral","sentiment_score":0.03391497954726219}],"sentiment":"neutral","sentiment_score":0.03391497954726219,"channel":1,"num_words":1,"start":612.81,"end":613.31},{"sentences":[{"text":"Yeah.","start":613.10004,"end":613.60004,"sentiment":"neutral","sentiment_score":0.04220011457800865}],"sentiment":"neutral","sentiment_score":0.04220011457800865,"channel":0,"num_words":1,"start":613.10004,"end":613.60004},{"sentences":[{"text":"my hourly rate is $100 and 3611, so 03611.","start":613.76996,"end":619.70996,"sentiment":"neutral","sentiment_score":0.03681929575072394}],"sentiment":"neutral","sentiment_score":0.03681929575072394,"channel":1,"num_words":9,"start":613.76996,"end":619.70996},{"sentences":[{"text":"3611.","start":621.34,"end":622.56,"sentiment":"neutral","sentiment_score":0.031103642657399178},{"text":"Beautiful.","start":622.7,"end":623.2,"sentiment":"neutral","sentiment_score":0.27780210971832275},{"text":"And if you drop your hours to fifty so I'm assuming you work thirty eight hours a week at the moment or forty with breaks?","start":624.22003,"end":631.355,"sentiment":"neutral","sentiment_score":0.04328052878379822}],"sentiment":"neutral","sentiment_score":0.051515517480395456,"channel":0,"num_words":27,"start":621.34,"end":631.355},{"sentences":[{"text":"It's thirty yeah.","start":632.545,"end":633.265,"sentiment":"neutral","sentiment_score":0.015678729241093},{"text":"I think it's thirty eight.","start":633.265,"end":634.305,"sentiment":"neutral","sentiment_score":0.02162783369421959},{"text":"So it'll be","start":634.305,"end":634.865,"sentiment":"neutral","sentiment_score":0.033698647593458496}],"sentiment":"neutral","sentiment_score":0.023297390815886585,"channel":1,"num_words":11,"start":632.545,"end":634.865},{"sentences":[{"text":"Thirty","start":634.855,"end":635.175,"sentiment":"neutral","sentiment_score":0.02106456272304058}],"sentiment":"neutral","sentiment_score":0.02106456272304058,"channel":0,"num_words":1,"start":634.855,"end":635.175},{"sentences":[{"text":"half of","start":634.865,"end":635.185,"sentiment":"neutral","sentiment_score":0.02491704188287258}],"sentiment":"neutral","sentiment_score":0.02491704188287258,"channel":1,"num_words":2,"start":634.865,"end":635.185},{"sentences":[{"text":"eight.","start":635.175,"end":635.65497,"sentiment":"neutral","sentiment_score":0.019993335008621216}],"sentiment":"neutral","sentiment_score":0.019993335008621216,"channel":0,"num_words":1,"start":635.175,"end":635.65497},{"sentences":[{"text":"that.","start":635.185,"end":635.685,"sentiment":"neutral","sentiment_score":0.046580586582422256}],"sentiment":"neutral","sentiment_score":0.046580586582422256,"channel":1,"num_words":1,"start":635.185,"end":635.685},{"sentences":[{"text":"So half that.","start":635.65497,"end":636.535,"sentiment":"neutral","sentiment_score":0.08716635157664616},{"text":"Beautiful.","start":636.535,"end":637.035,"sentiment":"positive","sentiment_score":0.43523862957954407},{"text":"Just to confirm.","start":637.095,"end":637.995,"sentiment":"neutral","sentiment_score":0.20798983673254648},{"text":"I would","start":638.375,"end":638.615,"sentiment":"neutral","sentiment_score":0.08157624304294586}],"sentiment":"neutral","sentiment_score":0.1648732978436682,"channel":0,"num_words":9,"start":635.65497,"end":638.615},{"sentences":[{"text":"That's","start":638.545,"end":638.705,"sentiment":"neutral","sentiment_score":0.06474759429693222}],"sentiment":"neutral","sentiment_score":0.06474759429693222,"channel":1,"num_words":1,"start":638.545,"end":638.705},{"sentences":[{"text":"like to","start":638.615,"end":638.935,"sentiment":"neutral","sentiment_score":0.0675797313451767}],"sentiment":"neutral","sentiment_score":0.0675797313451767,"channel":0,"num_words":2,"start":638.615,"end":638.935},{"sentences":[{"text":"just","start":638.705,"end":638.945,"sentiment":"neutral","sentiment_score":0.07118351757526398}],"sentiment":"neutral","sentiment_score":0.07118351757526398,"channel":1,"num_words":1,"start":638.705,"end":638.945},{"sentences":[{"text":"double","start":638.935,"end":639.255,"sentiment":"neutral","sentiment_score":0.09112612903118134}],"sentiment":"neutral","sentiment_score":0.09112612903118134,"channel":0,"num_words":1,"start":638.935,"end":639.255},{"sentences":[{"text":"yeah.","start":639.025,"end":639.525,"sentiment":"neutral","sentiment_score":0.09063532948493958}],"sentiment":"neutral","sentiment_score":0.09063532948493958,"channel":1,"num_words":1,"start":639.025,"end":639.525},{"sentences":[{"text":"check and ask those questions just to make sure.","start":639.255,"end":641.83496,"sentiment":"neutral","sentiment_score":0.07985697893632783}],"sentiment":"neutral","sentiment_score":0.07985697893632783,"channel":0,"num_words":9,"start":639.255,"end":641.83496},{"sentences":[{"text":"Approximately that we'll be working","start":641.745,"end":643.51,"sentiment":"neutral","sentiment_score":0.023563287779688837}],"sentiment":"neutral","sentiment_score":0.023563287779688837,"channel":1,"num_words":5,"start":641.745,"end":643.51},{"sentences":[{"text":"Yep.","start":643.45,"end":643.95,"sentiment":"neutral","sentiment_score":0.017527056857943535}],"sentiment":"neutral","sentiment_score":0.017527056857943535,"channel":0,"num_words":1,"start":643.45,"end":643.95},{"sentences":[{"text":"on because I'd have to find someone to job share.","start":643.51,"end":645.53,"sentiment":"neutral","sentiment_score":0.011065711406990886}],"sentiment":"neutral","sentiment_score":0.011065711406990886,"channel":1,"num_words":10,"start":643.51,"end":645.53},{"sentences":[{"text":"Yep.","start":645.93005,"end":646.43005,"sentiment":"neutral","sentiment_score":0.0561736673116684}],"sentiment":"neutral","sentiment_score":0.0561736673116684,"channel":0,"num_words":1,"start":645.93005,"end":646.43005},{"sentences":[{"text":"Yeah.","start":646.31,"end":646.81,"sentiment":"neutral","sentiment_score":0.11650664359331132}],"sentiment":"neutral","sentiment_score":0.11650664359331132,"channel":1,"num_words":1,"start":646.31,"end":646.81},{"sentences":[{"text":"That's okay.","start":647.45,"end":648.27,"sentiment":"neutral","sentiment_score":0.24110287427902222},{"text":"Beautiful.","start":648.49005,"end":648.99005,"sentiment":"positive","sentiment_score":0.4616098999977112},{"text":"So I'll work on that for you, work on the expenditure side of things.","start":649.29004,"end":652.17004,"sentiment":"neutral","sentiment_score":0.19332399857895716},{"text":"So, Scott, you may mention with your changes, you're only working 50% now.","start":652.17004,"end":656.19,"sentiment":"neutral","sentiment_score":0.04959921739422358},{"text":"And so","start":656.525,"end":657.085,"sentiment":"neutral","sentiment_score":0.03323390148580074}],"sentiment":"neutral","sentiment_score":0.136300289304927,"channel":0,"num_words":32,"start":647.45,"end":657.085},{"sentences":[{"text":"Mhmm.","start":656.71,"end":656.8325,"sentiment":"neutral","sentiment_score":0.035166673362255096},{"text":"Yes.","start":656.8325,"end":656.955,"sentiment":"neutral","sentiment_score":0.06457884609699249}],"sentiment":"neutral","sentiment_score":0.049872759729623795,"channel":1,"num_words":2,"start":656.71,"end":656.955},{"sentences":[{"text":"just to reconfirm the income, I said you said it was changed 1,400 per week or fortnight.","start":657.085,"end":663.16504,"sentiment":"neutral","sentiment_score":0.039883793715168446},{"text":"Is that right?","start":663.16504,"end":663.98505,"sentiment":"neutral","sentiment_score":0.05716474850972494}],"sentiment":"neutral","sentiment_score":0.04247593693435192,"channel":0,"num_words":20,"start":657.085,"end":663.98505},{"sentences":[{"text":"Yeah.","start":665.515,"end":665.835,"sentiment":"neutral","sentiment_score":0.019553860649466515},{"text":"So tell you the exact I'll I'll go into the Commonwealth Bank and tell you the exact amount that's coming in.","start":665.835,"end":669.79504,"sentiment":"neutral","sentiment_score":0.015811436410461153},{"text":"Wrong.","start":669.91504,"end":670.395,"sentiment":"neutral","sentiment_score":-0.12791064381599426}],"sentiment":"neutral","sentiment_score":0.009725364411006803,"channel":1,"num_words":23,"start":665.515,"end":670.395},{"sentences":[{"text":"Yeah.","start":669.965,"end":670.2,"sentiment":"neutral","sentiment_score":-0.06966512650251389}],"sentiment":"neutral","sentiment_score":-0.06966512650251389,"channel":0,"num_words":1,"start":669.965,"end":670.2},{"sentences":[{"text":"It's not.","start":670.395,"end":671.135,"sentiment":"neutral","sentiment_score":-0.09534172713756561},{"text":"Oh, ignore that.","start":671.65,"end":673.01,"sentiment":"neutral","sentiment_score":-0.08774479726950328},{"text":"Yeah.","start":673.01,"end":673.25,"sentiment":"neutral","sentiment_score":-0.0585399754345417},{"text":"I haven't changed that yet.","start":673.25,"end":674.55,"sentiment":"neutral","sentiment_score":-0.10820225328207016},{"text":"And that's that's it's got expenses in it.","start":676.29,"end":679.17,"sentiment":"neutral","sentiment_score":-0.08117083739489317}],"sentiment":"neutral","sentiment_score":-0.08962293616250942,"channel":1,"num_words":19,"start":670.395,"end":679.17},{"sentences":[{"text":"Don't forget.","start":679.17,"end":679.91,"sentiment":"neutral","sentiment_score":-0.049468906596302986},{"text":"It's got expenses taken out of it.","start":679.97,"end":681.65,"sentiment":"neutral","sentiment_score":-0.061980952109609334},{"text":"Yeah.","start":681.65,"end":681.89,"sentiment":"neutral","sentiment_score":-0.02115706168115139},{"text":"So you can't look at my bank.","start":681.89,"end":683.09,"sentiment":"neutral","sentiment_score":-0.04067247733473778},{"text":"Oh, then I don't have your pay stub.","start":683.09,"end":684.29,"sentiment":"neutral","sentiment_score":-0.036329903639853}],"sentiment":"neutral","sentiment_score":-0.045172324404120445,"channel":1,"num_words":25,"start":679.17,"end":684.29},{"sentences":[{"text":"No.","start":684.29,"end":684.79,"sentiment":"neutral","sentiment_score":-0.02726029232144356}],"sentiment":"neutral","sentiment_score":-0.02726029232144356,"channel":1,"num_words":1,"start":684.29,"end":684.79},{"sentences":[{"text":"Are you due to get a payslip fairly soon?","start":686.29504,"end":688.375,"sentiment":"neutral","sentiment_score":-0.011904995060629316},{"text":"Or","start":688.375,"end":688.875,"sentiment":"neutral","sentiment_score":-0.01008974388241768}],"sentiment":"neutral","sentiment_score":-0.011723469942808151,"channel":0,"num_words":10,"start":686.29504,"end":688.875},{"sentences":[{"text":"I sent some home, didn't I?","start":689.60504,"end":691.125,"sentiment":"neutral","sentiment_score":-0.016859315646191437},{"text":"You did.","start":691.125,"end":691.78503,"sentiment":"neutral","sentiment_score":-0.003111473750323057},{"text":"Yeah.","start":692.485,"end":692.72504,"sentiment":"neutral","sentiment_score":0.0060958885587751865},{"text":"Because there's there's I pay into shares out of my pay, and I pay accommodation out of my pay, which is all So you pay","start":692.72504,"end":702.3,"sentiment":"neutral","sentiment_score":-0.0075323664397001265}],"sentiment":"neutral","sentiment_score":-0.00851741511210361,"channel":1,"num_words":34,"start":689.60504,"end":702.3},{"sentences":[{"text":"Out of pay.","start":702.47,"end":703.26996,"sentiment":"neutral","sentiment_score":-0.019956569497783978},{"text":"Yep.","start":703.26996,"end":703.67,"sentiment":"neutral","sentiment_score":0.07089617103338242},{"text":"That's okay.","start":703.67,"end":704.31,"sentiment":"neutral","sentiment_score":0.1276322528719902},{"text":"Worst case, I could even just get used to email me each of you just a","start":704.31,"end":707.58997,"sentiment":"neutral","sentiment_score":0.001708530355244875}],"sentiment":"neutral","sentiment_score":0.013346702453087677,"channel":0,"num_words":22,"start":702.47,"end":707.58997},{"sentences":[{"text":"Yeah.","start":707.5,"end":708.0,"sentiment":"neutral","sentiment_score":0.06061283126473427}],"sentiment":"neutral","sentiment_score":0.06061283126473427,"channel":1,"num_words":1,"start":707.5,"end":708.0},{"sentences":[{"text":"copy of your updated pay slip, and I can just go back and work out the math.","start":707.58997,"end":711.27496,"sentiment":"neutral","sentiment_score":0.11938811531838249},{"text":"That's not a problem at all.","start":711.27496,"end":712.89496,"sentiment":"neutral","sentiment_score":0.1325298473238945}],"sentiment":"neutral","sentiment_score":0.12281639323286388,"channel":0,"num_words":23,"start":707.58997,"end":712.89496},{"sentences":[{"text":"Yeah.","start":712.94,"end":713.26,"sentiment":"neutral","sentiment_score":0.15639623999595642},{"text":"She's got one coming now.","start":713.26,"end":714.72,"sentiment":"neutral","sentiment_score":0.19741821885108948},{"text":"Just taking","start":715.1,"end":715.76,"sentiment":"neutral","sentiment_score":0.27598921209573746}],"sentiment":"neutral","sentiment_score":0.21193321980535984,"channel":1,"num_words":8,"start":712.94,"end":715.76},{"sentences":[{"text":"Beautiful.","start":715.355,"end":715.855,"sentiment":"positive","sentiment_score":0.7011007070541382}],"sentiment":"positive","sentiment_score":0.7011007070541382,"channel":0,"num_words":1,"start":715.355,"end":715.855},{"sentences":[{"text":"sweet time to download.","start":716.415,"end":718.195,"sentiment":"positive","sentiment_score":0.6815911382436752}],"sentiment":"positive","sentiment_score":0.6815911382436752,"channel":1,"num_words":4,"start":716.415,"end":718.195},{"sentences":[{"text":"Don't worry.","start":719.035,"end":719.675,"sentiment":"neutral","sentiment_score":0.03852066770195961},{"text":"I've had shockers with computers today waiting for emails to go through and all sorts of dramas and technology is horrible.","start":719.675,"end":726.47,"sentiment":"neutral","sentiment_score":-0.23735432823499045},{"text":"I'm good with old old fashioned pen and paper sometimes.","start":726.47,"end":729.05,"sentiment":"neutral","sentiment_score":-0.053608532249927524}],"sentiment":"neutral","sentiment_score":-0.16495408727364105,"channel":0,"num_words":33,"start":719.035,"end":729.05},{"sentences":[{"text":"Can you access that, Scott?","start":730.575,"end":732.42,"sentiment":"neutral","sentiment_score":0.0028364382684230804},{"text":"So mine doesn't seem to work anymore for me.","start":733.2,"end":735.62,"sentiment":"neutral","sentiment_score":-0.20729409820503658},{"text":"Well, that's in the mail.","start":736.16003,"end":737.3,"sentiment":"neutral","sentiment_score":-0.04720675349235535},{"text":"No.","start":755.30505,"end":755.465,"sentiment":"neutral","sentiment_score":-0.05175294727087021},{"text":"But you carry on, and I'll I'll come back to you with","start":755.465,"end":757.705,"sentiment":"neutral","sentiment_score":0.0163508215919137}],"sentiment":"neutral","sentiment_score":-0.06072004837915301,"channel":1,"num_words":32,"start":730.575,"end":757.705},{"sentences":[{"text":"Yep.","start":758.3,"end":758.78,"sentiment":"neutral","sentiment_score":0.025592103600502018},{"text":"That's","start":758.78,"end":759.02,"sentiment":"neutral","sentiment_score":0.10109444707632063}],"sentiment":"neutral","sentiment_score":0.06334327533841133,"channel":0,"num_words":2,"start":758.3,"end":759.02},{"sentences":[{"text":"Yep.","start":758.825,"end":759.22504,"sentiment":"neutral","sentiment_score":0.07279754430055618}],"sentiment":"neutral","sentiment_score":0.07279754430055618,"channel":1,"num_words":1,"start":758.825,"end":759.22504},{"sentences":[{"text":"okay.","start":759.02,"end":759.5,"sentiment":"neutral","sentiment_score":0.14287184178829193}],"sentiment":"neutral","sentiment_score":0.14287184178829193,"channel":0,"num_words":1,"start":759.02,"end":759.5},{"sentences":[{"text":"That's okay.","start":759.22504,"end":759.945,"sentiment":"neutral","sentiment_score":0.19935736060142517}],"sentiment":"neutral","sentiment_score":0.19935736060142517,"channel":1,"num_words":2,"start":759.22504,"end":759.945},{"sentences":[{"text":"Easy.","start":759.5,"end":760.0,"sentiment":"neutral","sentiment_score":0.3013364374637604}],"sentiment":"neutral","sentiment_score":0.3013364374637604,"channel":0,"num_words":1,"start":759.5,"end":760.0},{"sentences":[{"text":"Easy.","start":759.945,"end":760.445,"sentiment":"neutral","sentiment_score":0.20825302600860596}],"sentiment":"neutral","sentiment_score":0.20825302600860596,"channel":1,"num_words":1,"start":759.945,"end":760.445},{"sentences":[{"text":"What","start":760.14,"end":760.64,"sentiment":"neutral","sentiment_score":0.013313479721546171}],"sentiment":"neutral","sentiment_score":0.013313479721546171,"channel":0,"num_words":1,"start":760.14,"end":760.64},{"sentences":[{"text":"What","start":760.505,"end":761.005,"sentiment":"neutral","sentiment_score":-0.061986710876226425}],"sentiment":"neutral","sentiment_score":-0.061986710876226425,"channel":1,"num_words":1,"start":760.505,"end":761.005},{"sentences":[{"text":"worst case, we can always just get you to email a copy through.","start":761.10004,"end":764.06,"sentiment":"neutral","sentiment_score":-0.004765352377524743},{"text":"I'll probably get you do that anyway just so I have a reference point just when I'm kinda going through and doing the math.","start":764.06,"end":769.065,"sentiment":"neutral","sentiment_score":0.03810776754592856},{"text":"I can include","start":769.065,"end":770.02496,"sentiment":"neutral","sentiment_score":0.1142093191544215}],"sentiment":"neutral","sentiment_score":0.029881619941443206,"channel":0,"num_words":40,"start":761.10004,"end":770.02496},{"sentences":[{"text":"Yep.","start":769.8,"end":770.3,"sentiment":"neutral","sentiment_score":0.09705321490764618}],"sentiment":"neutral","sentiment_score":0.09705321490764618,"channel":1,"num_words":1,"start":769.8,"end":770.3},{"sentences":[{"text":"that and just double check the numbers and everything.","start":770.02496,"end":772.365,"sentiment":"neutral","sentiment_score":0.08839707242117988},{"text":"I don't wanna give you incorrect or false information, so we'll make sure that we do all the math correctly there for you.","start":772.90497,"end":778.845,"sentiment":"neutral","sentiment_score":-0.030610121518333}],"sentiment":"neutral","sentiment_score":0.002860651777154999,"channel":0,"num_words":32,"start":770.02496,"end":778.845},{"sentences":[{"text":"Yeah.","start":779.235,"end":779.735,"sentiment":"neutral","sentiment_score":0.06658163666725159}],"sentiment":"neutral","sentiment_score":0.06658163666725159,"channel":1,"num_words":1,"start":779.235,"end":779.735},{"sentences":[{"text":"The you guys also sold the investment property last year.","start":779.88,"end":783.82,"sentiment":"neutral","sentiment_score":0.07414783947169781}],"sentiment":"neutral","sentiment_score":0.07414783947169781,"channel":0,"num_words":10,"start":779.88,"end":783.82},{"sentences":[{"text":"Yeah.","start":784.355,"end":784.855,"sentiment":"neutral","sentiment_score":0.0812244564294815}],"sentiment":"neutral","sentiment_score":0.0812244564294815,"channel":1,"num_words":1,"start":784.355,"end":784.855},{"sentences":[{"text":"All the proceeds of that, did that pay off the main primary residence?","start":785.32,"end":788.86,"sentiment":"neutral","sentiment_score":0.08367450048144047},{"text":"How did the how did that all go?","start":788.92,"end":790.77997,"sentiment":"neutral","sentiment_score":0.07743825716897845}],"sentiment":"neutral","sentiment_score":0.0812987887433597,"channel":0,"num_words":21,"start":785.32,"end":790.77997},{"sentences":[{"text":"So I think that's the question we wanna ask.","start":791.64996,"end":793.81,"sentiment":"neutral","sentiment_score":0.05551778732074632},{"text":"We've got at the moment, we've we've paid it all off.","start":793.81,"end":796.77,"sentiment":"neutral","sentiment_score":-0.07304940914565866},{"text":"We've got we've left our home loan open for the moment.","start":796.77,"end":801.27,"sentiment":"neutral","sentiment_score":-0.044988436116413635},{"text":"It's got about how much is in in it?","start":802.29,"end":805.335,"sentiment":"neutral","sentiment_score":-0.019489898346364498},{"text":"Let me just look.","start":807.255,"end":808.375,"sentiment":"neutral","sentiment_score":-0.07301566936075687}],"sentiment":"neutral","sentiment_score":-0.028777908512645146,"channel":1,"num_words":44,"start":791.64996,"end":808.375},{"sentences":[{"text":"193,600 owing on it, but we're not paying any interest because we've got about $387,000 sitting in the offsetting.","start":808.375,"end":818.79504,"sentiment":"neutral","sentiment_score":-0.31828534759973226}],"sentiment":"neutral","sentiment_score":-0.31828534759973226,"channel":1,"num_words":19,"start":808.375,"end":818.79504},{"sentences":[{"text":"Yep.","start":819.32996,"end":819.82996,"sentiment":"neutral","sentiment_score":-0.005364818032830954},{"text":"Okay.","start":819.97,"end":820.47,"sentiment":"neutral","sentiment_score":-0.004705343395471573}],"sentiment":"neutral","sentiment_score":-0.005035080714151263,"channel":0,"num_words":2,"start":819.32996,"end":820.47},{"sentences":[{"text":"Account.","start":820.82996,"end":821.14996,"sentiment":"neutral","sentiment_score":-0.033575668931007385},{"text":"So but we'll have to take a $100,100,000 out of that for capital gains.","start":821.14996,"end":826.69,"sentiment":"neutral","sentiment_score":-0.03565318177321127}],"sentiment":"neutral","sentiment_score":-0.03551468091706435,"channel":1,"num_words":15,"start":820.82996,"end":826.69},{"sentences":[{"text":"Yes.","start":827.28503,"end":827.78503,"sentiment":"neutral","sentiment_score":0.08368886262178421}],"sentiment":"neutral","sentiment_score":0.08368886262178421,"channel":0,"num_words":1,"start":827.28503,"end":827.78503},{"sentences":[{"text":"So after we like, if we were to pay off the loan fully","start":828.19,"end":831.64996,"sentiment":"neutral","sentiment_score":-0.008131692042717567}],"sentiment":"neutral","sentiment_score":-0.008131692042717567,"channel":1,"num_words":13,"start":828.19,"end":831.64996},{"sentences":[{"text":"Mhmm.","start":831.84503,"end":832.34503,"sentiment":"neutral","sentiment_score":0.01035091932862997}],"sentiment":"neutral","sentiment_score":0.01035091932862997,"channel":0,"num_words":1,"start":831.84503,"end":832.34503},{"sentences":[{"text":"and pay","start":832.115,"end":832.51495,"sentiment":"neutral","sentiment_score":-0.031561415642499924}],"sentiment":"neutral","sentiment_score":-0.031561415642499924,"channel":1,"num_words":2,"start":832.115,"end":832.51495},{"sentences":[{"text":"Mhmm.","start":832.405,"end":832.905,"sentiment":"neutral","sentiment_score":0.00998159684240818}],"sentiment":"neutral","sentiment_score":0.00998159684240818,"channel":0,"num_words":1,"start":832.405,"end":832.905},{"sentences":[{"text":"off the","start":832.51495,"end":833.235,"sentiment":"neutral","sentiment_score":-0.005528680980205536}],"sentiment":"neutral","sentiment_score":-0.005528680980205536,"channel":1,"num_words":2,"start":832.51495,"end":833.235},{"sentences":[{"text":"Mhmm.","start":832.98,"end":833.48,"sentiment":"neutral","sentiment_score":0.010968140326440334}],"sentiment":"neutral","sentiment_score":0.010968140326440334,"channel":0,"num_words":1,"start":832.98,"end":833.48},{"sentences":[{"text":"capital gains, we'd be like we'd have about a $100,000 in Equity.","start":833.235,"end":837.91504,"sentiment":"neutral","sentiment_score":0.07938815094530582},{"text":"Equity, like,","start":838.195,"end":839.235,"sentiment":"neutral","sentiment_score":0.03695342503488064}],"sentiment":"neutral","sentiment_score":0.07332604724381651,"channel":1,"num_words":14,"start":833.235,"end":839.235},{"sentences":[{"text":"Yep.","start":838.9875,"end":839.4875,"sentiment":"neutral","sentiment_score":0.05807222053408623}],"sentiment":"neutral","sentiment_score":0.05807222053408623,"channel":0,"num_words":1,"start":838.9875,"end":839.4875},{"sentences":[{"text":"and just sitting there as cash.","start":839.235,"end":841.495,"sentiment":"neutral","sentiment_score":0.05191715185840925},{"text":"So we're sort of like, do we pay the home loan after we leave the home loan there?","start":844.58,"end":848.44,"sentiment":"neutral","sentiment_score":-0.007620121662815412},{"text":"And the main reasons we're we're thinking about that is because we're looking at buying a motor home and traveling.","start":849.3,"end":854.52,"sentiment":"neutral","sentiment_score":0.13513984568417073},{"text":"Doing a lot of Australia.","start":854.58,"end":855.8,"sentiment":"neutral","sentiment_score":0.15086145848035812}],"sentiment":"neutral","sentiment_score":0.07411112096540783,"channel":1,"num_words":49,"start":839.235,"end":855.8},{"sentences":[{"text":"Yep.","start":855.315,"end":855.815,"sentiment":"neutral","sentiment_score":0.2177743911743164}],"sentiment":"neutral","sentiment_score":0.2177743911743164,"channel":0,"num_words":1,"start":855.315,"end":855.815},{"sentences":[{"text":"So which helps us if we're working 50%.","start":857.185,"end":860.38495,"sentiment":"neutral","sentiment_score":0.24417406879365444},{"text":"So I was","start":860.38495,"end":861.345,"sentiment":"neutral","sentiment_score":0.0436704121530056}],"sentiment":"neutral","sentiment_score":0.18949125334620476,"channel":1,"num_words":11,"start":857.185,"end":861.345},{"sentences":[{"text":"Yes.","start":861.22003,"end":861.72003,"sentiment":"neutral","sentiment_score":0.06090147048234939}],"sentiment":"neutral","sentiment_score":0.06090147048234939,"channel":0,"num_words":1,"start":861.22003,"end":861.72003},{"sentences":[{"text":"sort of trying to decide what the better approach is there.","start":861.345,"end":866.165,"sentiment":"neutral","sentiment_score":-0.1273658505894921}],"sentiment":"neutral","sentiment_score":-0.1273658505894921,"channel":1,"num_words":11,"start":861.345,"end":866.165},{"sentences":[{"text":"Yep.","start":866.82,"end":867.32,"sentiment":"neutral","sentiment_score":0.11241962015628816},{"text":"That's okay.","start":867.7,"end":868.6,"sentiment":"neutral","sentiment_score":0.16773948073387146},{"text":"Now with the motor home, are you going to need to take out a loan or planning to take out a loan for that, or are you preferring to maybe buy out of cash with the money that you have left over?","start":870.02,"end":880.15497,"sentiment":"neutral","sentiment_score":-0.03137993865779468}],"sentiment":"neutral","sentiment_score":-0.019334640933407678,"channel":0,"num_words":45,"start":866.82,"end":880.15497},{"sentences":[{"text":"Yeah.","start":880.48,"end":880.8,"sentiment":"neutral","sentiment_score":0.03988270461559296},{"text":"Well, that's the thing with We'll have a 100,000 left over.","start":880.8,"end":883.68,"sentiment":"neutral","sentiment_score":0.03872747668488459},{"text":"We've probably got","start":883.68,"end":884.48,"sentiment":"neutral","sentiment_score":0.02823983257015546}],"sentiment":"neutral","sentiment_score":0.036706963057319325,"channel":1,"num_words":15,"start":880.48,"end":884.48},{"sentences":[{"text":"Yeah.","start":884.375,"end":884.875,"sentiment":"neutral","sentiment_score":0.051145024597644806}],"sentiment":"neutral","sentiment_score":0.051145024597644806,"channel":0,"num_words":1,"start":884.375,"end":884.875},{"sentences":[{"text":"a $100,000 of assets we're gonna sell.","start":884.48,"end":886.835,"sentiment":"neutral","sentiment_score":0.06267027583505426},{"text":"And then just","start":887.215,"end":887.85504,"sentiment":"neutral","sentiment_score":0.017977879693110783}],"sentiment":"neutral","sentiment_score":0.049262556992471215,"channel":1,"num_words":10,"start":884.48,"end":887.85504},{"sentences":[{"text":"Mhmm.","start":887.575,"end":887.85,"sentiment":"neutral","sentiment_score":0.01501462422311306}],"sentiment":"neutral","sentiment_score":0.01501462422311306,"channel":0,"num_words":1,"start":887.575,"end":887.85},{"sentences":[{"text":"a bit of maybe a bit of change, we'll pull back out of the home loan and only have 50,000 to pay off the home loan or something,","start":887.85504,"end":894.11505,"sentiment":"neutral","sentiment_score":0.002888273381228958}],"sentiment":"neutral","sentiment_score":0.002888273381228958,"channel":1,"num_words":28,"start":887.85504,"end":894.11505},{"sentences":[{"text":"Yep.","start":894.73,"end":895.23,"sentiment":"neutral","sentiment_score":0.06865239143371582}],"sentiment":"neutral","sentiment_score":0.06865239143371582,"channel":0,"num_words":1,"start":894.73,"end":895.23},{"sentences":[{"text":"which","start":895.135,"end":895.375,"sentiment":"neutral","sentiment_score":0.023015670478343964}],"sentiment":"neutral","sentiment_score":0.023015670478343964,"channel":1,"num_words":1,"start":895.135,"end":895.375},{"sentences":[{"text":"Okay.","start":895.29,"end":895.79,"sentiment":"neutral","sentiment_score":0.036744095385074615}],"sentiment":"neutral","sentiment_score":0.036744095385074615,"channel":0,"num_words":1,"start":895.29,"end":895.79},{"sentences":[{"text":"is why we haven't closed it down yet because home loan rate's better than car loan rates.","start":895.375,"end":899.76,"sentiment":"neutral","sentiment_score":-0.14680140772286585},{"text":"So what we were thinking","start":899.76,"end":900.64,"sentiment":"neutral","sentiment_score":-0.03049262464046478}],"sentiment":"neutral","sentiment_score":-0.1203675933859565,"channel":1,"num_words":22,"start":895.375,"end":900.64},{"sentences":[{"text":"Correct.","start":900.56995,"end":901.065,"sentiment":"neutral","sentiment_score":0.05440016090869904}],"sentiment":"neutral","sentiment_score":0.05440016090869904,"channel":0,"num_words":1,"start":900.56995,"end":901.065},{"sentences":[{"text":"is that that what we should with a better idea then?","start":900.64,"end":903.36,"sentiment":"neutral","sentiment_score":-0.044709929688410324},{"text":"Yes.","start":903.36,"end":903.86,"sentiment":"neutral","sentiment_score":-0.04744398593902588}],"sentiment":"neutral","sentiment_score":-0.04493776770929495,"channel":1,"num_words":12,"start":900.64,"end":903.86},{"sentences":[{"text":"In all honesty, depending on what sort of a caravan you get, if it is older than normally, most same as most cars, you've got to kind of have a value, but most loans end up being unsecured.","start":904.105,"end":916.67,"sentiment":"neutral","sentiment_score":-0.021327870652863855},{"text":"Even a secured personal loan for that sort of thing is pretty hefty at about between six to, you know, 12%.","start":917.05,"end":924.27,"sentiment":"neutral","sentiment_score":-0.07564356515095347},{"text":"So, realistically,","start":924.81,"end":925.55,"sentiment":"neutral","sentiment_score":0.08220350369811058}],"sentiment":"neutral","sentiment_score":-0.036632245009551284,"channel":0,"num_words":61,"start":904.105,"end":925.55},{"sentences":[{"text":"Yeah.","start":925.4,"end":925.9,"sentiment":"neutral","sentiment_score":0.15582096576690674}],"sentiment":"neutral","sentiment_score":0.15582096576690674,"channel":1,"num_words":1,"start":925.4,"end":925.9},{"sentences":[{"text":"if you are going to get a try and get a loan, pull it off the mortgage, That way you","start":925.93,"end":931.155,"sentiment":"neutral","sentiment_score":0.14060890451073646}],"sentiment":"neutral","sentiment_score":0.14060890451073646,"channel":0,"num_words":20,"start":925.93,"end":931.155},{"sentences":[{"text":"Yeah.","start":931.0,"end":931.5,"sentiment":"neutral","sentiment_score":0.2871279716491699}],"sentiment":"neutral","sentiment_score":0.2871279716491699,"channel":1,"num_words":1,"start":931.0,"end":931.5},{"sentences":[{"text":"are paying a much lower interest","start":931.155,"end":932.835,"sentiment":"positive","sentiment_score":0.3377357100447019}],"sentiment":"positive","sentiment_score":0.3377357100447019,"channel":0,"num_words":6,"start":931.155,"end":932.835},{"sentences":[{"text":"Okay.","start":932.52,"end":933.02,"sentiment":"positive","sentiment_score":0.3425159752368927}],"sentiment":"positive","sentiment_score":0.3425159752368927,"channel":1,"num_words":1,"start":932.52,"end":933.02},{"sentences":[{"text":"rate because mortgage rates are lower, and you don't have to go and get the loan again.","start":932.835,"end":937.235,"sentiment":"positive","sentiment_score":0.3500384732204325},{"text":"The other side of that is responsible lending, and I can safely tell you that the AML has changed.","start":937.235,"end":943.575,"sentiment":"neutral","sentiment_score":0.21343456091065155},{"text":"So the AML is anti money laundering counterterrorism, and that's essentially looking at you as an identity because there has been so much in Canada in terrorism financing, everything happening with the terrorist side of things over the last couple of years.","start":943.73004,"end":958.745,"sentiment":"neutral","sentiment_score":0.08499955492360252},{"text":"They've also had a lot of anti money laundering going on as well.","start":958.88495,"end":962.00494,"sentiment":"neutral","sentiment_score":0.10826970006410892},{"text":"They've actually gone back and updated all of those sorts of legislations recently.","start":962.00494,"end":966.985,"sentiment":"neutral","sentiment_score":0.1658521661391625}],"sentiment":"neutral","sentiment_score":0.164802656437342,"channel":0,"num_words":104,"start":932.835,"end":966.985},{"sentences":[{"text":"And it means that whenever we, a bank, nowadays, even an accountant, a a lawyer, and a real estate agent now have to get your ID, confirm how funds are, where funds have come from, how they use the the AML side of things of getting your ID, improving who you are is a much bigger process on the other side of it.","start":967.605,"end":988.03503,"sentiment":"neutral","sentiment_score":0.0746184488728879},{"text":"It's not as","start":988.09503,"end":988.655,"sentiment":"neutral","sentiment_score":-0.049984682351350784}],"sentiment":"neutral","sentiment_score":0.06895467018087705,"channel":0,"num_words":66,"start":967.605,"end":988.655},{"sentences":[{"text":"Yep.","start":988.57,"end":989.07,"sentiment":"neutral","sentiment_score":-0.04740404710173607}],"sentiment":"neutral","sentiment_score":-0.04740404710173607,"channel":1,"num_words":1,"start":988.57,"end":989.07},{"sentences":[{"text":"big a process for you guys to see, but it is a much bigger process on the other side of things.","start":988.655,"end":994.255,"sentiment":"neutral","sentiment_score":-0.02202132291027478},{"text":"So there is a lot","start":994.255,"end":995.53503,"sentiment":"neutral","sentiment_score":0.015877719968557358}],"sentiment":"neutral","sentiment_score":-0.01473304543357629,"channel":0,"num_words":26,"start":988.655,"end":995.53503},{"sentences":[{"text":"Okay.","start":995.53,"end":995.895,"sentiment":"neutral","sentiment_score":0.031700409948825836}],"sentiment":"neutral","sentiment_score":0.031700409948825836,"channel":1,"num_words":1,"start":995.53,"end":995.895},{"sentences":[{"text":"more to lending criterias that banks will have to go through to assess everything,","start":995.53503,"end":1000.53,"sentiment":"neutral","sentiment_score":-0.014947469745363508}],"sentiment":"neutral","sentiment_score":-0.014947469745363508,"channel":0,"num_words":14,"start":995.53503,"end":1000.53},{"sentences":[{"text":"Yes.","start":1001.255,"end":1001.73505,"sentiment":"neutral","sentiment_score":0.10077840089797974}],"sentiment":"neutral","sentiment_score":0.10077840089797974,"channel":1,"num_words":1,"start":1001.255,"end":1001.73505},{"sentences":[{"text":"which","start":1001.71,"end":1001.87,"sentiment":"neutral","sentiment_score":0.0928465873003006}],"sentiment":"neutral","sentiment_score":0.0928465873003006,"channel":0,"num_words":1,"start":1001.71,"end":1001.87},{"sentences":[{"text":"Yeah.","start":1001.73505,"end":1002.23505,"sentiment":"neutral","sentiment_score":0.08858285844326019}],"sentiment":"neutral","sentiment_score":0.08858285844326019,"channel":1,"num_words":1,"start":1001.73505,"end":1002.23505},{"sentences":[{"text":"means the cost of that on the other side down the track, I reckon, will probably change.","start":1001.87,"end":1005.97003,"sentiment":"neutral","sentiment_score":0.0729992613196373},{"text":"But, realistically, with where you are, you've already got that loan there.","start":1006.27,"end":1009.55005,"sentiment":"neutral","sentiment_score":0.2814432953794797},{"text":"You wouldn't have to go through the process of applying for loans, providing your bank statements, going back through the income assessments to get a personal loan, utilizing what you have.","start":1009.55005,"end":1019.265,"sentiment":"neutral","sentiment_score":0.13206737921122583},{"text":"And because it's a a very a fixed sorry, a variable rate, and it's a home loan rate, you're technically paying a lower interest than what you would be if you were to get a personal loan.","start":1019.265,"end":1030.49,"sentiment":"neutral","sentiment_score":-0.037622558406075916},{"text":"So this that","start":1030.49,"end":1031.85,"sentiment":"neutral","sentiment_score":0.010394124935070673}],"sentiment":"neutral","sentiment_score":0.07351543456315994,"channel":0,"num_words":100,"start":1001.87,"end":1031.85},{"sentences":[{"text":"Yeah.","start":1031.605,"end":1032.005,"sentiment":"neutral","sentiment_score":0.001856902614235878}],"sentiment":"neutral","sentiment_score":0.001856902614235878,"channel":1,"num_words":1,"start":1031.605,"end":1032.005},{"sentences":[{"text":"side","start":1031.85,"end":1032.01,"sentiment":"neutral","sentiment_score":0.02075855992734432}],"sentiment":"neutral","sentiment_score":0.02075855992734432,"channel":0,"num_words":1,"start":1031.85,"end":1032.01},{"sentences":[{"text":"So","start":1032.005,"end":1032.165,"sentiment":"neutral","sentiment_score":0.007576990872621536}],"sentiment":"neutral","sentiment_score":0.007576990872621536,"channel":1,"num_words":1,"start":1032.005,"end":1032.165},{"sentences":[{"text":"of","start":1032.01,"end":1032.17,"sentiment":"neutral","sentiment_score":0.004770923405885696}],"sentiment":"neutral","sentiment_score":0.004770923405885696,"channel":0,"num_words":1,"start":1032.01,"end":1032.17},{"sentences":[{"text":"we","start":1032.165,"end":1032.325,"sentiment":"neutral","sentiment_score":0.00530494749546051}],"sentiment":"neutral","sentiment_score":0.00530494749546051,"channel":1,"num_words":1,"start":1032.165,"end":1032.325},{"sentences":[{"text":"things,","start":1032.17,"end":1032.65,"sentiment":"neutral","sentiment_score":0.007188620045781136}],"sentiment":"neutral","sentiment_score":0.007188620045781136,"channel":0,"num_words":1,"start":1032.17,"end":1032.65},{"sentences":[{"text":"still have","start":1032.325,"end":1032.965,"sentiment":"neutral","sentiment_score":-0.00337119959294796}],"sentiment":"neutral","sentiment_score":-0.00337119959294796,"channel":1,"num_words":2,"start":1032.325,"end":1032.965},{"sentences":[{"text":"I would","start":1032.65,"end":1033.05,"sentiment":"neutral","sentiment_score":0.005016656592488289}],"sentiment":"neutral","sentiment_score":0.005016656592488289,"channel":0,"num_words":2,"start":1032.65,"end":1033.05},{"sentences":[{"text":"the","start":1032.965,"end":1033.205,"sentiment":"neutral","sentiment_score":0.00371389277279377}],"sentiment":"neutral","sentiment_score":0.00371389277279377,"channel":1,"num_words":1,"start":1032.965,"end":1033.205},{"sentences":[{"text":"probably","start":1033.05,"end":1033.53,"sentiment":"neutral","sentiment_score":0.003936104476451874}],"sentiment":"neutral","sentiment_score":0.003936104476451874,"channel":0,"num_words":1,"start":1033.05,"end":1033.53},{"sentences":[{"text":"home loan.","start":1033.205,"end":1034.025,"sentiment":"neutral","sentiment_score":-0.003886752761900425}],"sentiment":"neutral","sentiment_score":-0.003886752761900425,"channel":1,"num_words":2,"start":1033.205,"end":1034.025},{"sentences":[{"text":"look at this.","start":1033.53,"end":1034.27,"sentiment":"neutral","sentiment_score":0.0007590424890319506},{"text":"Yeah.","start":1034.89,"end":1035.39,"sentiment":"neutral","sentiment_score":0.005395405925810337}],"sentiment":"neutral","sentiment_score":0.0019181333482265472,"channel":0,"num_words":4,"start":1033.53,"end":1035.39},{"sentences":[{"text":"At the at the moment, we've got a 193,000.","start":1035.125,"end":1038.0801,"sentiment":"neutral","sentiment_score":-0.016096575806538265},{"text":"We only pay 320 a month, which is Which is because there's no no interest.","start":1038.0801,"end":1042.4801,"sentiment":"neutral","sentiment_score":-0.05177977109948794},{"text":"We still pay a a monthly payment because they make you pay a payment.","start":1042.4801,"end":1045.62,"sentiment":"neutral","sentiment_score":-0.024088446982204914}],"sentiment":"neutral","sentiment_score":-0.03312642122373769,"channel":1,"num_words":38,"start":1035.125,"end":1045.62},{"sentences":[{"text":"Yeah.","start":1045.295,"end":1045.795,"sentiment":"neutral","sentiment_score":0.017424670979380608},{"text":"Yeah.","start":1046.255,"end":1046.755,"sentiment":"neutral","sentiment_score":0.01882926933467388}],"sentiment":"neutral","sentiment_score":0.018126970157027245,"channel":0,"num_words":2,"start":1045.295,"end":1046.755},{"sentences":[{"text":"But yeah.","start":1046.3201,"end":1047.04,"sentiment":"neutral","sentiment_score":0.011896164156496525},{"text":"So that'd be sort of similar, but we'd have that little bit of interest for","start":1047.04,"end":1051.295,"sentiment":"neutral","sentiment_score":0.013635312269131342}],"sentiment":"neutral","sentiment_score":0.013430706608821364,"channel":1,"num_words":17,"start":1046.3201,"end":1051.295},{"sentences":[{"text":"Yeah.","start":1051.135,"end":1051.635,"sentiment":"neutral","sentiment_score":0.01277005299925804}],"sentiment":"neutral","sentiment_score":0.01277005299925804,"channel":0,"num_words":1,"start":1051.135,"end":1051.635},{"sentences":[{"text":"Yes.","start":1051.455,"end":1051.695,"sentiment":"neutral","sentiment_score":0.02761298045516014},{"text":"$50 or something that we pull out for the the home loan.","start":1051.775,"end":1054.675,"sentiment":"neutral","sentiment_score":0.029699567705392838},{"text":"The","start":1054.815,"end":1055.055,"sentiment":"neutral","sentiment_score":0.021668024361133575}],"sentiment":"neutral","sentiment_score":0.028976844091500555,"channel":1,"num_words":14,"start":1051.455,"end":1055.055},{"sentences":[{"text":"Yeah.","start":1055.055,"end":1055.555,"sentiment":"neutral","sentiment_score":0.02629748545587063}],"sentiment":"neutral","sentiment_score":0.02629748545587063,"channel":0,"num_words":1,"start":1055.055,"end":1055.555},{"sentences":[{"text":"Motorhome.","start":1055.375,"end":1055.875,"sentiment":"neutral","sentiment_score":0.021384960040450096},{"text":"Motorhome.","start":1056.015,"end":1056.515,"sentiment":"neutral","sentiment_score":0.022707877680659298}],"sentiment":"neutral","sentiment_score":0.022046418860554695,"channel":1,"num_words":2,"start":1055.375,"end":1056.515},{"sentences":[{"text":"The motor home.","start":1057.49,"end":1058.37,"sentiment":"neutral","sentiment_score":0.023268314078450203},{"text":"Yeah.","start":1058.37,"end":1058.69,"sentiment":"neutral","sentiment_score":0.014987131580710413},{"text":"How sorry.","start":1058.69,"end":1059.33,"sentiment":"neutral","sentiment_score":-0.03291436471045017},{"text":"How much were you wanting to maybe pull out for the for the","start":1059.33,"end":1061.65,"sentiment":"neutral","sentiment_score":-0.015115368108336743}],"sentiment":"neutral","sentiment_score":-0.009344023211221946,"channel":0,"num_words":19,"start":1057.49,"end":1061.65},{"sentences":[{"text":"Yeah.","start":1061.615,"end":1062.115,"sentiment":"neutral","sentiment_score":-0.003700058907270431}],"sentiment":"neutral","sentiment_score":-0.003700058907270431,"channel":1,"num_words":1,"start":1061.615,"end":1062.115},{"sentences":[{"text":"motor home?","start":1061.65,"end":1062.13,"sentiment":"neutral","sentiment_score":-0.011286048218607903},{"text":"What was the cost","start":1062.13,"end":1062.9299,"sentiment":"neutral","sentiment_score":-0.01496603386476636}],"sentiment":"neutral","sentiment_score":-0.013739371982713541,"channel":0,"num_words":6,"start":1061.65,"end":1062.9299},{"sentences":[{"text":"Well,","start":1062.575,"end":1063.075,"sentiment":"neutral","sentiment_score":-0.00961385853588581}],"sentiment":"neutral","sentiment_score":-0.00961385853588581,"channel":1,"num_words":1,"start":1062.575,"end":1063.075},{"sentences":[{"text":"it's supposed to","start":1062.9299,"end":1063.73,"sentiment":"neutral","sentiment_score":-0.011368723586201668}],"sentiment":"neutral","sentiment_score":-0.011368723586201668,"channel":0,"num_words":3,"start":1062.9299,"end":1063.73},{"sentences":[{"text":"I","start":1063.6799,"end":1063.84,"sentiment":"neutral","sentiment_score":-0.0207293014973402}],"sentiment":"neutral","sentiment_score":-0.0207293014973402,"channel":1,"num_words":1,"start":1063.6799,"end":1063.84},{"sentences":[{"text":"be?","start":1063.73,"end":1064.23,"sentiment":"neutral","sentiment_score":-0.01696828007698059}],"sentiment":"neutral","sentiment_score":-0.01696828007698059,"channel":0,"num_words":1,"start":1063.73,"end":1064.23},{"sentences":[{"text":"think the because we're looking at a brand new one.","start":1063.84,"end":1065.9199,"sentiment":"neutral","sentiment_score":-0.026915618404746055},{"text":"Well well, we're looking at a very close to new one.","start":1065.9199,"end":1067.9199,"sentiment":"neutral","sentiment_score":0.03634968298402699},{"text":"So it's probably around about $250,","start":1067.9199,"end":1069.9199,"sentiment":"neutral","sentiment_score":0.048143467555443444}],"sentiment":"neutral","sentiment_score":0.015538930892944336,"channel":1,"num_words":27,"start":1063.84,"end":1069.9199},{"sentences":[{"text":"Yep.","start":1069.8099,"end":1070.3099,"sentiment":"neutral","sentiment_score":0.053594645112752914}],"sentiment":"neutral","sentiment_score":0.053594645112752914,"channel":0,"num_words":1,"start":1069.8099,"end":1070.3099},{"sentences":[{"text":"which means we'll","start":1069.9199,"end":1070.72,"sentiment":"neutral","sentiment_score":0.05381528536478678}],"sentiment":"neutral","sentiment_score":0.05381528536478678,"channel":1,"num_words":3,"start":1069.9199,"end":1070.72},{"sentences":[{"text":"Yep.","start":1070.53,"end":1070.895,"sentiment":"neutral","sentiment_score":0.05667264387011528}],"sentiment":"neutral","sentiment_score":0.05667264387011528,"channel":0,"num_words":1,"start":1070.53,"end":1070.895},{"sentences":[{"text":"we'll use a 100 of the offset money that was got left over.","start":1070.72,"end":1074.0,"sentiment":"neutral","sentiment_score":0.04183927780160537},{"text":"We use a 100 of our assets that we gotta sell, and we'll use 50 of the home loan.","start":1074.0,"end":1078.895,"sentiment":"neutral","sentiment_score":0.04044421389698982},{"text":"And","start":1080.475,"end":1080.635,"sentiment":"neutral","sentiment_score":0.13279516994953156}],"sentiment":"neutral","sentiment_score":0.04379229834585479,"channel":1,"num_words":33,"start":1070.72,"end":1080.635},{"sentences":[{"text":"Perfect.","start":1080.5751,"end":1081.0751,"sentiment":"neutral","sentiment_score":0.1964440643787384}],"sentiment":"neutral","sentiment_score":0.1964440643787384,"channel":0,"num_words":1,"start":1080.5751,"end":1081.0751},{"sentences":[{"text":"then we still got a $250,000 asset as well","start":1080.635,"end":1083.695,"sentiment":"neutral","sentiment_score":0.1141157638695505}],"sentiment":"neutral","sentiment_score":0.1141157638695505,"channel":1,"num_words":9,"start":1080.635,"end":1083.695},{"sentences":[{"text":"Yep.","start":1084.335,"end":1084.835,"sentiment":"neutral","sentiment_score":0.046050071716308594},{"text":"Okay.","start":1084.895,"end":1085.31,"sentiment":"neutral","sentiment_score":0.03752867504954338}],"sentiment":"neutral","sentiment_score":0.04178937338292599,"channel":0,"num_words":2,"start":1084.335,"end":1085.31},{"sentences":[{"text":"in the motor","start":1085.035,"end":1085.6749,"sentiment":"neutral","sentiment_score":0.026880589003364246}],"sentiment":"neutral","sentiment_score":0.026880589003364246,"channel":1,"num_words":3,"start":1085.035,"end":1085.6749},{"sentences":[{"text":"So with","start":1085.39,"end":1085.7101,"sentiment":"neutral","sentiment_score":0.02603314071893692}],"sentiment":"neutral","sentiment_score":0.02603314071893692,"channel":0,"num_words":2,"start":1085.39,"end":1085.7101},{"sentences":[{"text":"home.","start":1085.6749,"end":1085.9149,"sentiment":"neutral","sentiment_score":0.03182929381728172}],"sentiment":"neutral","sentiment_score":0.03182929381728172,"channel":1,"num_words":1,"start":1085.6749,"end":1085.9149},{"sentences":[{"text":"the","start":1085.7101,"end":1086.2101,"sentiment":"neutral","sentiment_score":0.03906470537185669}],"sentiment":"neutral","sentiment_score":0.03906470537185669,"channel":0,"num_words":1,"start":1085.7101,"end":1086.2101},{"sentences":[{"text":"Yep.","start":1085.9149,"end":1086.4149,"sentiment":"neutral","sentiment_score":0.051545899361371994}],"sentiment":"neutral","sentiment_score":0.051545899361371994,"channel":1,"num_words":1,"start":1085.9149,"end":1086.4149},{"sentences":[{"text":"yeah.","start":1086.9901,"end":1087.4701,"sentiment":"neutral","sentiment_score":0.07853033393621445},{"text":"Absolutely.","start":1087.4701,"end":1087.9701,"sentiment":"neutral","sentiment_score":0.09928585588932036},{"text":"And so with the assets to sell, is that your shares that you had sitting there as well?","start":1088.8301,"end":1094.13,"sentiment":"neutral","sentiment_score":0.021693997602495883}],"sentiment":"neutral","sentiment_score":0.028415407333523036,"channel":0,"num_words":20,"start":1086.9901,"end":1094.13},{"sentences":[{"text":"The the sorry.","start":1096.58,"end":1097.46,"sentiment":"neutral","sentiment_score":-0.03357375040650368},{"text":"The the Assets out.","start":1097.46,"end":1098.9,"sentiment":"neutral","sentiment_score":-0.034663822036236525},{"text":"No.","start":1098.9,"end":1099.14,"sentiment":"neutral","sentiment_score":-0.06954382359981537},{"text":"That's actually I've got a new car,","start":1099.14,"end":1101.5599,"sentiment":"neutral","sentiment_score":-0.053525254130363464}],"sentiment":"neutral","sentiment_score":-0.045573142791787785,"channel":1,"num_words":15,"start":1096.58,"end":1101.5599},{"sentences":[{"text":"Oh, right.","start":1102.505,"end":1103.085,"sentiment":"neutral","sentiment_score":-0.031138364225625992}],"sentiment":"neutral","sentiment_score":-0.031138364225625992,"channel":0,"num_words":2,"start":1102.505,"end":1103.085},{"sentences":[{"text":"but I haven't sold the Tesla.","start":1102.74,"end":1104.28,"sentiment":"neutral","sentiment_score":-0.06347159730891387},{"text":"And","start":1104.74,"end":1105.24,"sentiment":"neutral","sentiment_score":-0.021298261359333992}],"sentiment":"neutral","sentiment_score":-0.05744683503040245,"channel":1,"num_words":7,"start":1102.74,"end":1105.24},{"sentences":[{"text":"Right.","start":1105.225,"end":1105.725,"sentiment":"neutral","sentiment_score":0.0011218171566724775}],"sentiment":"neutral","sentiment_score":0.0011218171566724775,"channel":0,"num_words":1,"start":1105.225,"end":1105.725},{"sentences":[{"text":"and an agreement when we get the motor home is that they're selling the jet skis.","start":1106.625,"end":1110.405,"sentiment":"neutral","sentiment_score":0.006151822904939763},{"text":"So","start":1110.785,"end":1111.105,"sentiment":"neutral","sentiment_score":0.014623546972870828}],"sentiment":"neutral","sentiment_score":0.006650159614818061,"channel":1,"num_words":17,"start":1106.625,"end":1111.105},{"sentences":[{"text":"Right.","start":1111.065,"end":1111.565,"sentiment":"neutral","sentiment_score":0.0203807782381773}],"sentiment":"neutral","sentiment_score":0.0203807782381773,"channel":0,"num_words":1,"start":1111.065,"end":1111.565},{"sentences":[{"text":"the two jet","start":1111.105,"end":1111.745,"sentiment":"neutral","sentiment_score":0.013012736414869627}],"sentiment":"neutral","sentiment_score":0.013012736414869627,"channel":1,"num_words":3,"start":1111.105,"end":1111.745},{"sentences":[{"text":"Okay.","start":1111.625,"end":1112.125,"sentiment":"neutral","sentiment_score":0.01454563532024622}],"sentiment":"neutral","sentiment_score":0.01454563532024622,"channel":0,"num_words":1,"start":1111.625,"end":1112.125},{"sentences":[{"text":"skis and the trailer.","start":1111.745,"end":1113.025,"sentiment":"neutral","sentiment_score":0.01805837103165686},{"text":"So Jet skis.","start":1113.025,"end":1113.825,"sentiment":"neutral","sentiment_score":0.0093318164969484}],"sentiment":"neutral","sentiment_score":0.014318419088210379,"channel":1,"num_words":7,"start":1111.745,"end":1113.825},{"sentences":[{"text":"Right.","start":1113.945,"end":1114.345,"sentiment":"neutral","sentiment_score":0.02614220604300499}],"sentiment":"neutral","sentiment_score":0.02614220604300499,"channel":0,"num_words":1,"start":1113.945,"end":1114.345},{"sentences":[{"text":"We estimate","start":1113.985,"end":1114.625,"sentiment":"neutral","sentiment_score":0.02371925115585327}],"sentiment":"neutral","sentiment_score":0.02371925115585327,"channel":1,"num_words":2,"start":1113.985,"end":1114.625},{"sentences":[{"text":"Okay.","start":1114.345,"end":1114.845,"sentiment":"neutral","sentiment_score":0.019363269209861755}],"sentiment":"neutral","sentiment_score":0.019363269209861755,"channel":0,"num_words":1,"start":1114.345,"end":1114.845},{"sentences":[{"text":"them all joined together being $100.","start":1114.625,"end":1117.4451,"sentiment":"neutral","sentiment_score":0.015106544829905033},{"text":"At least.","start":1117.505,"end":1118.01,"sentiment":"neutral","sentiment_score":0.034021828323602676}],"sentiment":"neutral","sentiment_score":0.019835365703329444,"channel":1,"num_words":8,"start":1114.625,"end":1118.01},{"sentences":[{"text":"Okay.","start":1118.2201,"end":1118.7201,"sentiment":"neutral","sentiment_score":0.0918489396572113}],"sentiment":"neutral","sentiment_score":0.0918489396572113,"channel":0,"num_words":1,"start":1118.2201,"end":1118.7201},{"sentences":[{"text":"Yep.","start":1118.5701,"end":1119.0701,"sentiment":"neutral","sentiment_score":0.12331747263669968}],"sentiment":"neutral","sentiment_score":0.12331747263669968,"channel":1,"num_words":1,"start":1118.5701,"end":1119.0701},{"sentences":[{"text":"Yeah.","start":1118.8601,"end":1119.26,"sentiment":"neutral","sentiment_score":0.2366964966058731},{"text":"Beautiful.","start":1119.26,"end":1119.7401,"sentiment":"positive","sentiment_score":0.4568887948989868}],"sentiment":"positive","sentiment_score":0.34679264575242996,"channel":0,"num_words":2,"start":1118.8601,"end":1119.7401},{"sentences":[{"text":"Yep.","start":1119.29,"end":1119.79,"sentiment":"neutral","sentiment_score":0.23017606139183044}],"sentiment":"neutral","sentiment_score":0.23017606139183044,"channel":1,"num_words":1,"start":1119.29,"end":1119.79},{"sentences":[{"text":"So the jet skis will go.","start":1119.7401,"end":1121.4401,"sentiment":"neutral","sentiment_score":0.20500197758277258},{"text":"Wow.","start":1121.8201,"end":1122.3201,"sentiment":"neutral","sentiment_score":0.1873739957809448}],"sentiment":"neutral","sentiment_score":0.20248369446822576,"channel":0,"num_words":7,"start":1119.7401,"end":1122.3201},{"sentences":[{"text":"Yes.","start":1122.25,"end":1122.75,"sentiment":"neutral","sentiment_score":0.1157240867614746}],"sentiment":"neutral","sentiment_score":0.1157240867614746,"channel":1,"num_words":1,"start":1122.25,"end":1122.75},{"sentences":[{"text":"And the and the trailer.","start":1122.54,"end":1124.56,"sentiment":"neutral","sentiment_score":0.06435454711318016}],"sentiment":"neutral","sentiment_score":0.06435454711318016,"channel":0,"num_words":5,"start":1122.54,"end":1124.56},{"sentences":[{"text":"Yes.","start":1125.53,"end":1126.03,"sentiment":"neutral","sentiment_score":0.03122609108686447}],"sentiment":"neutral","sentiment_score":0.03122609108686447,"channel":1,"num_words":1,"start":1125.53,"end":1126.03},{"sentences":[{"text":"No.","start":1126.7001,"end":1126.9401,"sentiment":"neutral","sentiment_score":-0.13408583402633667},{"text":"That's okay.","start":1126.9401,"end":1127.66,"sentiment":"neutral","sentiment_score":0.04738754406571388},{"text":"All good.","start":1127.66,"end":1128.06,"sentiment":"positive","sentiment_score":0.45960649847984314},{"text":"And the motor home, is it more of a caravan, or is it more of an actual motor home which you'll drive around?","start":1128.06,"end":1133.1749,"sentiment":"neutral","sentiment_score":0.017996898244904434},{"text":"What sort","start":1133.1749,"end":1133.655,"sentiment":"neutral","sentiment_score":0.0010866215452551842}],"sentiment":"neutral","sentiment_score":0.043200138459602994,"channel":0,"num_words":30,"start":1126.7001,"end":1133.655},{"sentences":[{"text":"A","start":1133.555,"end":1133.715,"sentiment":"neutral","sentiment_score":0.0032713860273361206}],"sentiment":"neutral","sentiment_score":0.0032713860273361206,"channel":1,"num_words":1,"start":1133.555,"end":1133.715},{"sentences":[{"text":"of","start":1133.655,"end":1133.895,"sentiment":"neutral","sentiment_score":0.002715894021093846}],"sentiment":"neutral","sentiment_score":0.002715894021093846,"channel":0,"num_words":1,"start":1133.655,"end":1133.895},{"sentences":[{"text":"full","start":1133.715,"end":1133.955,"sentiment":"neutral","sentiment_score":0.010673422366380692}],"sentiment":"neutral","sentiment_score":0.010673422366380692,"channel":1,"num_words":1,"start":1133.715,"end":1133.955},{"sentences":[{"text":"thing","start":1133.895,"end":1134.215,"sentiment":"neutral","sentiment_score":0.01006201095879078}],"sentiment":"neutral","sentiment_score":0.01006201095879078,"channel":0,"num_words":1,"start":1133.895,"end":1134.215},{"sentences":[{"text":"motor home","start":1133.955,"end":1134.435,"sentiment":"neutral","sentiment_score":0.011647435836493969}],"sentiment":"neutral","sentiment_score":0.011647435836493969,"channel":1,"num_words":2,"start":1133.955,"end":1134.435},{"sentences":[{"text":"you're looking","start":1134.215,"end":1134.615,"sentiment":"neutral","sentiment_score":0.006543115247040987}],"sentiment":"neutral","sentiment_score":0.006543115247040987,"channel":0,"num_words":2,"start":1134.215,"end":1134.615},{"sentences":[{"text":"you drive","start":1134.435,"end":1134.835,"sentiment":"neutral","sentiment_score":0.007296125870198011}],"sentiment":"neutral","sentiment_score":0.007296125870198011,"channel":1,"num_words":2,"start":1134.435,"end":1134.835},{"sentences":[{"text":"at","start":1134.615,"end":1135.115,"sentiment":"neutral","sentiment_score":0.003581167198717594}],"sentiment":"neutral","sentiment_score":0.003581167198717594,"channel":0,"num_words":1,"start":1134.615,"end":1135.115},{"sentences":[{"text":"around.","start":1134.835,"end":1135.335,"sentiment":"neutral","sentiment_score":0.009065489284694197}],"sentiment":"neutral","sentiment_score":0.009065489284694197,"channel":1,"num_words":1,"start":1134.835,"end":1135.335},{"sentences":[{"text":"for motor home?","start":1135.1749,"end":1135.975,"sentiment":"neutral","sentiment_score":0.007371995908518632}],"sentiment":"neutral","sentiment_score":0.007371995908518632,"channel":0,"num_words":3,"start":1135.1749,"end":1135.975},{"sentences":[{"text":"Yeah.","start":1135.715,"end":1136.215,"sentiment":"neutral","sentiment_score":0.06052540615200997}],"sentiment":"neutral","sentiment_score":0.06052540615200997,"channel":1,"num_words":1,"start":1135.715,"end":1136.215},{"sentences":[{"text":"Yep.","start":1135.975,"end":1136.2949,"sentiment":"neutral","sentiment_score":0.11253924667835236},{"text":"Beautiful.","start":1136.2949,"end":1136.775,"sentiment":"neutral","sentiment_score":0.28199344873428345},{"text":"Are you gonna be looking to tow a car on the back end of that or","start":1136.775,"end":1139.9149,"sentiment":"neutral","sentiment_score":0.032968645449727774}],"sentiment":"neutral","sentiment_score":0.05122394570046001,"channel":0,"num_words":18,"start":1135.975,"end":1139.9149},{"sentences":[{"text":"No.","start":1139.875,"end":1140.375,"sentiment":"neutral","sentiment_score":-0.04703646898269653}],"sentiment":"neutral","sentiment_score":-0.04703646898269653,"channel":1,"num_words":1,"start":1139.875,"end":1140.375},{"sentences":[{"text":"just take","start":1140.135,"end":1140.615,"sentiment":"neutral","sentiment_score":-0.04551286995410919}],"sentiment":"neutral","sentiment_score":-0.04551286995410919,"channel":0,"num_words":2,"start":1140.135,"end":1140.615},{"sentences":[{"text":"No.","start":1140.595,"end":1141.095,"sentiment":"neutral","sentiment_score":-0.049837492406368256}],"sentiment":"neutral","sentiment_score":-0.049837492406368256,"channel":1,"num_words":1,"start":1140.595,"end":1141.095},{"sentences":[{"text":"it and go?","start":1140.615,"end":1141.255,"sentiment":"neutral","sentiment_score":-0.02807455820341905},{"text":"No.","start":1141.255,"end":1141.655,"sentiment":"neutral","sentiment_score":-0.05508696287870407},{"text":"That's","start":1141.655,"end":1141.975,"sentiment":"neutral","sentiment_score":-0.029294725507497787}],"sentiment":"neutral","sentiment_score":-0.0337210725992918,"channel":0,"num_words":5,"start":1140.615,"end":1141.975},{"sentences":[{"text":"Probably","start":1141.955,"end":1142.355,"sentiment":"neutral","sentiment_score":-0.0349000059068203}],"sentiment":"neutral","sentiment_score":-0.0349000059068203,"channel":1,"num_words":1,"start":1141.955,"end":1142.355},{"sentences":[{"text":"okay.","start":1141.975,"end":1142.475,"sentiment":"neutral","sentiment_score":0.000952593982219696}],"sentiment":"neutral","sentiment_score":0.000952593982219696,"channel":0,"num_words":1,"start":1141.975,"end":1142.475},{"sentences":[{"text":"just one of one of my little motorbikes I'll stick on the back of it.","start":1142.355,"end":1145.255,"sentiment":"neutral","sentiment_score":0.003662182080248992}],"sentiment":"neutral","sentiment_score":0.003662182080248992,"channel":1,"num_words":15,"start":1142.355,"end":1145.255},{"sentences":[{"text":"Nice.","start":1145.575,"end":1146.075,"sentiment":"positive","sentiment_score":0.4592008590698242},{"text":"Nice.","start":1146.2949,"end":1146.7949,"sentiment":"positive","sentiment_score":0.4791986644268036},{"text":"All good.","start":1147.015,"end":1147.835,"sentiment":"positive","sentiment_score":0.4833545386791229},{"text":"Alright.","start":1148.0299,"end":1148.19,"sentiment":"neutral","sentiment_score":0.15429221093654633},{"text":"Well, let's","start":1148.19,"end":1148.59,"sentiment":"neutral","sentiment_score":0.043286366388201714}],"sentiment":"neutral","sentiment_score":0.3065676492239748,"channel":0,"num_words":7,"start":1145.575,"end":1148.59},{"sentences":[{"text":"Yeah.","start":1148.4,"end":1148.9,"sentiment":"neutral","sentiment_score":0.027403388172388077}],"sentiment":"neutral","sentiment_score":0.027403388172388077,"channel":1,"num_words":1,"start":1148.4,"end":1148.9},{"sentences":[{"text":"just update the assets that we do have here at the moment.","start":1148.59,"end":1151.07,"sentiment":"neutral","sentiment_score":0.03814534951622287},{"text":"So now your","start":1151.07,"end":1151.71,"sentiment":"neutral","sentiment_score":0.015048839151859283}],"sentiment":"neutral","sentiment_score":0.03352604744335016,"channel":0,"num_words":15,"start":1148.59,"end":1151.71},{"sentences":[{"text":"Yeah.","start":1151.68,"end":1152.18,"sentiment":"neutral","sentiment_score":0.013994771987199783}],"sentiment":"neutral","sentiment_score":0.013994771987199783,"channel":1,"num_words":1,"start":1151.68,"end":1152.18},{"sentences":[{"text":"main primary residence there, the last valuation we had on that was I had two different valuations.","start":1151.71,"end":1158.61,"sentiment":"neutral","sentiment_score":0.012554961941478884},{"text":"So, Scott, on yours, I had 1.5 mil, and the other one, I had 2.8 mil.","start":1158.75,"end":1166.605,"sentiment":"neutral","sentiment_score":0.014796345523791388},{"text":"How much do you value the property at?","start":1166.605,"end":1168.525,"sentiment":"neutral","sentiment_score":0.010808860301040113},{"text":"How much would it be valued at for you?","start":1168.525,"end":1170.5449,"sentiment":"neutral","sentiment_score":0.004959028214216232}],"sentiment":"neutral","sentiment_score":0.011625560354441405,"channel":0,"num_words":50,"start":1151.71,"end":1170.5449},{"sentences":[{"text":"But you said 1.9, didn't you?","start":1171.875,"end":1174.115,"sentiment":"neutral","sentiment_score":-0.012987559816489616},{"text":"I thought it would be about 1.92 mil.","start":1174.115,"end":1176.75,"sentiment":"neutral","sentiment_score":-0.009538632701151073},{"text":"Yeah.","start":1177.07,"end":1177.57,"sentiment":"neutral","sentiment_score":0.02260148711502552}],"sentiment":"neutral","sentiment_score":-0.008775528892874718,"channel":1,"num_words":15,"start":1171.875,"end":1177.57},{"sentences":[{"text":"Yep.","start":1179.02,"end":1179.52,"sentiment":"neutral","sentiment_score":0.023979507386684418},{"text":"Did you want me to put 2 mil on it, 1.9?","start":1179.66,"end":1181.82,"sentiment":"neutral","sentiment_score":0.0022499147823757744},{"text":"What do you","start":1181.82,"end":1182.22,"sentiment":"neutral","sentiment_score":0.003946371686955293}],"sentiment":"neutral","sentiment_score":0.004037845670245588,"channel":0,"num_words":15,"start":1179.02,"end":1182.22},{"sentences":[{"text":"Yep.","start":1182.19,"end":1182.59,"sentiment":"neutral","sentiment_score":0.01025718729943037}],"sentiment":"neutral","sentiment_score":0.01025718729943037,"channel":1,"num_words":1,"start":1182.19,"end":1182.59},{"sentences":[{"text":"are you","start":1182.38,"end":1182.7,"sentiment":"neutral","sentiment_score":0.0034233946353197098}],"sentiment":"neutral","sentiment_score":0.0034233946353197098,"channel":0,"num_words":2,"start":1182.38,"end":1182.7},{"sentences":[{"text":"Two","start":1182.59,"end":1182.83,"sentiment":"neutral","sentiment_score":0.01974286511540413}],"sentiment":"neutral","sentiment_score":0.01974286511540413,"channel":1,"num_words":1,"start":1182.59,"end":1182.83},{"sentences":[{"text":"comfortable","start":1182.7,"end":1183.1,"sentiment":"neutral","sentiment_score":0.010834306478500366}],"sentiment":"neutral","sentiment_score":0.010834306478500366,"channel":0,"num_words":1,"start":1182.7,"end":1183.1},{"sentences":[{"text":"is fine.","start":1182.83,"end":1183.39,"sentiment":"neutral","sentiment_score":0.04486149176955223}],"sentiment":"neutral","sentiment_score":0.04486149176955223,"channel":1,"num_words":2,"start":1182.83,"end":1183.39},{"sentences":[{"text":"with?","start":1183.1,"end":1183.6,"sentiment":"neutral","sentiment_score":0.018483608961105347}],"sentiment":"neutral","sentiment_score":0.018483608961105347,"channel":0,"num_words":1,"start":1183.1,"end":1183.6},{"sentences":[{"text":"Two is fine,","start":1183.39,"end":1184.03,"sentiment":"neutral","sentiment_score":0.03673058313628038}],"sentiment":"neutral","sentiment_score":0.03673058313628038,"channel":1,"num_words":3,"start":1183.39,"end":1184.03},{"sentences":[{"text":"Two","start":1183.98,"end":1184.22,"sentiment":"neutral","sentiment_score":0.02030612714588642}],"sentiment":"neutral","sentiment_score":0.02030612714588642,"channel":0,"num_words":1,"start":1183.98,"end":1184.22},{"sentences":[{"text":"I think.","start":1184.03,"end":1184.69,"sentiment":"neutral","sentiment_score":0.03210851177573204}],"sentiment":"neutral","sentiment_score":0.03210851177573204,"channel":1,"num_words":2,"start":1184.03,"end":1184.69},{"sentences":[{"text":"is fine.","start":1184.22,"end":1184.7999,"sentiment":"neutral","sentiment_score":0.05566858686506748},{"text":"Yep.","start":1185.02,"end":1185.52,"sentiment":"neutral","sentiment_score":0.043829113245010376}],"sentiment":"neutral","sentiment_score":0.05172209565838178,"channel":0,"num_words":3,"start":1184.22,"end":1185.52},{"sentences":[{"text":"Yeah.","start":1185.15,"end":1185.65,"sentiment":"neutral","sentiment_score":0.05918858200311661}],"sentiment":"neutral","sentiment_score":0.05918858200311661,"channel":1,"num_words":1,"start":1185.15,"end":1185.65},{"sentences":[{"text":"Fine?","start":1185.825,"end":1185.945,"sentiment":"neutral","sentiment_score":0.06971628963947296},{"text":"Yep.","start":1185.945,"end":1186.065,"sentiment":"neutral","sentiment_score":0.09422209113836288},{"text":"Absolutely.","start":1186.065,"end":1186.4249,"sentiment":"neutral","sentiment_score":0.2859220504760742},{"text":"All good.","start":1186.4249,"end":1187.2849,"sentiment":"positive","sentiment_score":0.34430210292339325},{"text":"And then I've got the loan information here, so I'll just update that here as well.","start":1188.065,"end":1192.485,"sentiment":"neutral","sentiment_score":0.10430769296362996}],"sentiment":"neutral","sentiment_score":0.13368512973898933,"channel":0,"num_words":21,"start":1185.825,"end":1192.485},{"sentences":[{"text":"Beautiful.","start":1192.625,"end":1193.125,"sentiment":"neutral","sentiment_score":0.30152595043182373},{"text":"Offset's all covered.","start":1194.465,"end":1195.845,"sentiment":"neutral","sentiment_score":0.09549647569656372},{"text":"Other assets noted down that we had the motor vehicles.","start":1196.465,"end":1200.1449,"sentiment":"neutral","sentiment_score":0.02468474693596363},{"text":"I had them noted as two motor vehicles.","start":1200.1449,"end":1202.85,"sentiment":"neutral","sentiment_score":0.019242769107222557},{"text":"One of those, I believe, is a Tesla.","start":1203.87,"end":1206.13,"sentiment":"neutral","sentiment_score":0.024564159801229835}],"sentiment":"neutral","sentiment_score":0.039510609271625675,"channel":0,"num_words":30,"start":1192.625,"end":1206.13},{"sentences":[{"text":"Is that right?","start":1206.1901,"end":1207.09,"sentiment":"neutral","sentiment_score":0.03241134559114774}],"sentiment":"neutral","sentiment_score":0.03241134559114774,"channel":0,"num_words":3,"start":1206.1901,"end":1207.09},{"sentences":[{"text":"Yes.","start":1207.5599,"end":1207.7999,"sentiment":"neutral","sentiment_score":0.024596918374300003},{"text":"And that's the one we're","start":1207.7999,"end":1208.76,"sentiment":"neutral","sentiment_score":0.01829212959855795}],"sentiment":"neutral","sentiment_score":0.01934292772784829,"channel":1,"num_words":6,"start":1207.5599,"end":1208.76},{"sentences":[{"text":"Yep.","start":1208.67,"end":1209.17,"sentiment":"neutral","sentiment_score":0.015020132064819336}],"sentiment":"neutral","sentiment_score":0.015020132064819336,"channel":0,"num_words":1,"start":1208.67,"end":1209.17},{"sentences":[{"text":"going to sell or set","start":1208.76,"end":1210.44,"sentiment":"neutral","sentiment_score":0.003988411091268062}],"sentiment":"neutral","sentiment_score":0.003988411091268062,"channel":1,"num_words":5,"start":1208.76,"end":1210.44},{"sentences":[{"text":"Lovely.","start":1210.35,"end":1210.85,"sentiment":"neutral","sentiment_score":0.06510947644710541}],"sentiment":"neutral","sentiment_score":0.06510947644710541,"channel":0,"num_words":1,"start":1210.35,"end":1210.85},{"sentences":[{"text":"trying to sell.","start":1210.52,"end":1211.5,"sentiment":"neutral","sentiment_score":0.022067369272311527}],"sentiment":"neutral","sentiment_score":0.022067369272311527,"channel":1,"num_words":3,"start":1210.52,"end":1211.5},{"sentences":[{"text":"How much are you trying to sell it for?","start":1212.685,"end":1214.2051,"sentiment":"neutral","sentiment_score":0.0033355060343941054},{"text":"What sort of value you got on it?","start":1214.2051,"end":1216.0651,"sentiment":"neutral","sentiment_score":-0.0010602939873933792}],"sentiment":"neutral","sentiment_score":0.001266894259435289,"channel":0,"num_words":17,"start":1212.685,"end":1216.0651},{"sentences":[{"text":"I've got it actually at 55,000 at the moment.","start":1216.36,"end":1219.335,"sentiment":"neutral","sentiment_score":0.003128782380372286}],"sentiment":"neutral","sentiment_score":0.003128782380372286,"channel":1,"num_words":9,"start":1216.36,"end":1219.335},{"sentences":[{"text":"Yep.","start":1219.885,"end":1220.365,"sentiment":"neutral","sentiment_score":0.08522187173366547},{"text":"Beautiful.","start":1220.365,"end":1220.865,"sentiment":"neutral","sentiment_score":0.2314339578151703},{"text":"And that vehicle is owned completely outright.","start":1220.925,"end":1222.925,"sentiment":"neutral","sentiment_score":0.04580795232738767},{"text":"No loans on it at all?","start":1222.925,"end":1224.465,"sentiment":"neutral","sentiment_score":-0.08448006212711334}],"sentiment":"neutral","sentiment_score":0.008695408205191294,"channel":0,"num_words":15,"start":1219.885,"end":1224.465},{"sentences":[{"text":"Outright.","start":1224.695,"end":1225.195,"sentiment":"neutral","sentiment_score":-0.036394573748111725},{"text":"No loans.","start":1225.255,"end":1225.995,"sentiment":"neutral","sentiment_score":-0.032472885213792324}],"sentiment":"neutral","sentiment_score":-0.033780114725232124,"channel":1,"num_words":3,"start":1224.695,"end":1225.995},{"sentences":[{"text":"Yep.","start":1226.525,"end":1227.005,"sentiment":"neutral","sentiment_score":0.08959716558456421},{"text":"Perfect.","start":1227.005,"end":1227.45,"sentiment":"positive","sentiment_score":0.3373287320137024},{"text":"Excellent.","start":1227.85,"end":1228.35,"sentiment":"neutral","sentiment_score":0.33044353127479553},{"text":"So 55 there.","start":1228.49,"end":1229.95,"sentiment":"neutral","sentiment_score":0.14172493914763132},{"text":"I also have down here the BYD Shark with an","start":1230.33,"end":1234.57,"sentiment":"neutral","sentiment_score":0.08046173788607121}],"sentiment":"neutral","sentiment_score":0.12419760157354176,"channel":0,"num_words":16,"start":1226.525,"end":1234.57},{"sentences":[{"text":"Yep.","start":1234.5349,"end":1235.0349,"sentiment":"neutral","sentiment_score":0.0781262218952179}],"sentiment":"neutral","sentiment_score":0.0781262218952179,"channel":1,"num_words":1,"start":1234.5349,"end":1235.0349},{"sentences":[{"text":"asset value of 50,000.","start":1234.57,"end":1236.1699,"sentiment":"neutral","sentiment_score":0.049606360495090485},{"text":"Do you still have that vehicle?","start":1236.1699,"end":1237.71,"sentiment":"neutral","sentiment_score":0.039511747658252716}],"sentiment":"neutral","sentiment_score":0.043549592792987826,"channel":0,"num_words":10,"start":1234.57,"end":1237.71},{"sentences":[{"text":"Yes.","start":1238.23,"end":1238.5499,"sentiment":"neutral","sentiment_score":0.052489448338747025},{"text":"We do.","start":1238.5499,"end":1239.2899,"sentiment":"neutral","sentiment_score":0.04722587577998638}],"sentiment":"neutral","sentiment_score":0.04898039996623993,"channel":1,"num_words":3,"start":1238.23,"end":1239.2899},{"sentences":[{"text":"Yep.","start":1239.5299,"end":1239.9299,"sentiment":"neutral","sentiment_score":0.10390578955411912},{"text":"Beautiful.","start":1239.9299,"end":1240.4299,"sentiment":"positive","sentiment_score":0.3798585534095764},{"text":"Would you value it the same, or do you think you'd change that valuation?","start":1240.875,"end":1244.095,"sentiment":"neutral","sentiment_score":0.02424785933856453}],"sentiment":"neutral","sentiment_score":0.051452148356474936,"channel":0,"num_words":16,"start":1239.5299,"end":1244.095},{"sentences":[{"text":"That's 85?","start":1244.47,"end":1245.19,"sentiment":"neutral","sentiment_score":-0.008141173282638192},{"text":"What have we got on that?","start":1245.19,"end":1246.07,"sentiment":"neutral","sentiment_score":-0.01513277025272449},{"text":"What have we got on that","start":1246.07,"end":1247.0299,"sentiment":"neutral","sentiment_score":-0.013524808455258608}],"sentiment":"neutral","sentiment_score":-0.013444844200941069,"channel":1,"num_words":14,"start":1244.47,"end":1247.0299},{"sentences":[{"text":"50","start":1246.955,"end":1247.455,"sentiment":"neutral","sentiment_score":-0.01128336600959301}],"sentiment":"neutral","sentiment_score":-0.01128336600959301,"channel":0,"num_words":1,"start":1246.955,"end":1247.455},{"sentences":[{"text":"for a value?","start":1247.0299,"end":1247.745,"sentiment":"neutral","sentiment_score":-0.015879848040640354}],"sentiment":"neutral","sentiment_score":-0.015879848040640354,"channel":1,"num_words":3,"start":1247.0299,"end":1247.745},{"sentences":[{"text":"55, you said.","start":1249.835,"end":1250.715,"sentiment":"neutral","sentiment_score":-0.012453972361981869},{"text":"Sorry.","start":1250.715,"end":1251.115,"sentiment":"neutral","sentiment_score":-0.033007144927978516},{"text":"Is that right?","start":1251.115,"end":1252.015,"sentiment":"neutral","sentiment_score":-0.013619297494490942}],"sentiment":"neutral","sentiment_score":-0.015889564928199564,"channel":0,"num_words":7,"start":1249.835,"end":1252.015},{"sentences":[{"text":"Yeah.","start":1251.665,"end":1252.165,"sentiment":"neutral","sentiment_score":0.026437908411026}],"sentiment":"neutral","sentiment_score":0.026437908411026,"channel":1,"num_words":1,"start":1251.665,"end":1252.165},{"sentences":[{"text":"Yep.","start":1252.635,"end":1253.115,"sentiment":"neutral","sentiment_score":0.08606302738189697},{"text":"Beautiful.","start":1253.115,"end":1253.615,"sentiment":"positive","sentiment_score":0.4046200215816498},{"text":"Excellent.","start":1253.755,"end":1254.255,"sentiment":"positive","sentiment_score":0.4485401511192322},{"text":"And no debt on that one completely outright as well?","start":1254.395,"end":1257.71,"sentiment":"neutral","sentiment_score":0.062158414348959926}],"sentiment":"neutral","sentiment_score":0.12006210335172139,"channel":0,"num_words":13,"start":1252.635,"end":1257.71},{"sentences":[{"text":"No.","start":1257.905,"end":1258.145,"sentiment":"neutral","sentiment_score":-0.06791092455387115},{"text":"There's debt on that one.","start":1258.145,"end":1259.445,"sentiment":"neutral","sentiment_score":-0.0642976351082325}],"sentiment":"neutral","sentiment_score":-0.06489985001583894,"channel":1,"num_words":6,"start":1257.905,"end":1259.445},{"sentences":[{"text":"Okay.","start":1259.85,"end":1260.09,"sentiment":"neutral","sentiment_score":-0.021290484815835953},{"text":"How much do we owe on that one?","start":1260.09,"end":1261.79,"sentiment":"neutral","sentiment_score":-0.03386794659309089}],"sentiment":"neutral","sentiment_score":-0.032470450840062566,"channel":0,"num_words":9,"start":1259.85,"end":1261.79},{"sentences":[{"text":"We owed currently I'm on the wrong phone again.","start":1262.5,"end":1266.3401,"sentiment":"neutral","sentiment_score":-0.13540234085586336},{"text":"Got my phone.","start":1266.3401,"end":1267.14,"sentiment":"neutral","sentiment_score":-0.09711128969987233},{"text":"Gotta keep sorry.","start":1267.14,"end":1269.88,"sentiment":"neutral","sentiment_score":-0.10713911056518555},{"text":"Got different 45.","start":1270.02,"end":1271.9401,"sentiment":"neutral","sentiment_score":-0.052358670781056084},{"text":"It's a third of it.","start":1271.9401,"end":1272.8201,"sentiment":"neutral","sentiment_score":-0.05057327225804329}],"sentiment":"neutral","sentiment_score":-0.0974484627013621,"channel":1,"num_words":23,"start":1262.5,"end":1272.8201},{"sentences":[{"text":"So I $50.50.","start":1272.8201,"end":1274.2001,"sentiment":"neutral","sentiment_score":-0.03646622101465861},{"text":"I think it's 43,000.","start":1274.515,"end":1275.7949,"sentiment":"neutral","sentiment_score":-0.03363911621272564},{"text":"Yeah.","start":1275.7949,"end":1275.955,"sentiment":"neutral","sentiment_score":-0.024115288630127907},{"text":"43 is quite a lot.","start":1275.955,"end":1276.915,"sentiment":"neutral","sentiment_score":-0.034744441509246826},{"text":"Yeah.","start":1276.915,"end":1277.315,"sentiment":"neutral","sentiment_score":0.015909705311059952}],"sentiment":"neutral","sentiment_score":-0.030420208482870033,"channel":1,"num_words":14,"start":1272.8201,"end":1277.315},{"sentences":[{"text":"Yep.","start":1277.315,"end":1277.815,"sentiment":"neutral","sentiment_score":0.02358105778694153}],"sentiment":"neutral","sentiment_score":0.02358105778694153,"channel":1,"num_words":1,"start":1277.315,"end":1277.815},{"sentences":[{"text":"43,000.","start":1277.6549,"end":1278.715,"sentiment":"neutral","sentiment_score":0.02830678783357143},{"text":"Excellent.","start":1278.855,"end":1279.355,"sentiment":"positive","sentiment_score":0.37614548206329346},{"text":"Beautiful.","start":1279.575,"end":1280.075,"sentiment":"positive","sentiment_score":0.5262329578399658},{"text":"Let's pop that in there.","start":1280.215,"end":1281.595,"sentiment":"positive","sentiment_score":0.3820791244506836},{"text":"Fantastic.","start":1282.7749,"end":1283.2749,"sentiment":"positive","sentiment_score":0.44436562061309814}],"sentiment":"positive","sentiment_score":0.3650496078448163,"channel":0,"num_words":9,"start":1277.6549,"end":1283.2749},{"sentences":[{"text":"And then we have the two jet skis, which will be sold down the track here.","start":1283.6599,"end":1287.5199,"sentiment":"neutral","sentiment_score":0.10088591231033206}],"sentiment":"neutral","sentiment_score":0.10088591231033206,"channel":0,"num_words":16,"start":1283.6599,"end":1287.5199},{"sentences":[{"text":"Yep.","start":1287.875,"end":1288.375,"sentiment":"neutral","sentiment_score":0.03137226030230522},{"text":"Yeah.","start":1288.595,"end":1289.095,"sentiment":"neutral","sentiment_score":0.01975345239043236}],"sentiment":"neutral","sentiment_score":0.02556285634636879,"channel":1,"num_words":2,"start":1287.875,"end":1289.095},{"sentences":[{"text":"But what sort of valuation would you put on both those jet skis currently?","start":1288.7799,"end":1293.2799,"sentiment":"neutral","sentiment_score":-0.000258473346808127}],"sentiment":"neutral","sentiment_score":-0.000258473346808127,"channel":0,"num_words":14,"start":1288.7799,"end":1293.2799},{"sentences":[{"text":"We've kinda put for the jet skis and its trailer.","start":1294.0,"end":1296.5801,"sentiment":"neutral","sentiment_score":0.00610778738046065},{"text":"We're thinking","start":1296.72,"end":1297.4401,"sentiment":"neutral","sentiment_score":-0.004284783266484737}],"sentiment":"neutral","sentiment_score":0.004375692272636418,"channel":1,"num_words":12,"start":1294.0,"end":1297.4401},{"sentences":[{"text":"Mhmm.","start":1297.4199,"end":1297.695,"sentiment":"neutral","sentiment_score":-0.0023001041263341904}],"sentiment":"neutral","sentiment_score":-0.0023001041263341904,"channel":0,"num_words":1,"start":1297.4199,"end":1297.695},{"sentences":[{"text":"we'll sell it for around between 50 to 60, so probably 55.","start":1297.4401,"end":1301.14,"sentiment":"neutral","sentiment_score":0.003516704891808331}],"sentiment":"neutral","sentiment_score":0.003516704891808331,"channel":1,"num_words":12,"start":1297.4401,"end":1301.14},{"sentences":[{"text":"Yep.","start":1301.615,"end":1302.095,"sentiment":"neutral","sentiment_score":0.06561572849750519},{"text":"Beautiful.","start":1302.095,"end":1302.595,"sentiment":"neutral","sentiment_score":0.25987759232521057},{"text":"Lovely.","start":1303.0549,"end":1303.5549,"sentiment":"neutral","sentiment_score":0.2652457058429718},{"text":"And they're earned out.","start":1303.615,"end":1304.6549,"sentiment":"neutral","sentiment_score":0.069734837859869},{"text":"Right?","start":1304.6549,"end":1304.8949,"sentiment":"neutral","sentiment_score":0.01937844790518284}],"sentiment":"neutral","sentiment_score":0.1111321032512933,"channel":0,"num_words":8,"start":1301.615,"end":1304.8949},{"sentences":[{"text":"There's no loans on those?","start":1304.8949,"end":1307.235,"sentiment":"neutral","sentiment_score":-0.030097222328186034}],"sentiment":"neutral","sentiment_score":-0.030097222328186034,"channel":0,"num_words":5,"start":1304.8949,"end":1307.235},{"sentences":[{"text":"No loans.","start":1307.7251,"end":1308.385,"sentiment":"neutral","sentiment_score":-0.0494679119437933}],"sentiment":"neutral","sentiment_score":-0.0494679119437933,"channel":1,"num_words":2,"start":1307.7251,"end":1308.385},{"sentences":[{"text":"Nope.","start":1308.815,"end":1309.2949,"sentiment":"neutral","sentiment_score":-0.008073650300502777},{"text":"Beautiful.","start":1309.2949,"end":1309.7949,"sentiment":"neutral","sentiment_score":0.09312541782855988},{"text":"And the 55 is for the two jet skis and the trailer as well?","start":1309.9349,"end":1311.695,"sentiment":"neutral","sentiment_score":0.03173733702195542},{"text":"Yep.","start":1311.695,"end":1311.945,"sentiment":"neutral","sentiment_score":0.0534476637840271},{"text":"Beautiful.","start":1311.945,"end":1312.445,"sentiment":"neutral","sentiment_score":0.14415401220321655}],"sentiment":"neutral","sentiment_score":0.04038756454570426,"channel":0,"num_words":18,"start":1308.815,"end":1312.445},{"sentences":[{"text":"Yep.","start":1312.5,"end":1313.0,"sentiment":"neutral","sentiment_score":0.0746089369058609}],"sentiment":"neutral","sentiment_score":0.0746089369058609,"channel":0,"num_words":1,"start":1312.5,"end":1313.0},{"sentences":[{"text":"Yeah.","start":1313.0851,"end":1313.5851,"sentiment":"neutral","sentiment_score":0.09698450565338136},{"text":"Yep.","start":1314.125,"end":1314.6,"sentiment":"neutral","sentiment_score":0.08160161972045898},{"text":"Probably just","start":1314.6799,"end":1315.08,"sentiment":"neutral","sentiment_score":0.11167948693037033}],"sentiment":"neutral","sentiment_score":0.10048627480864525,"channel":1,"num_words":4,"start":1313.0851,"end":1315.08},{"sentences":[{"text":"Beautiful.","start":1314.98,"end":1315.48,"sentiment":"neutral","sentiment_score":0.21510912477970123}],"sentiment":"neutral","sentiment_score":0.21510912477970123,"channel":0,"num_words":1,"start":1314.98,"end":1315.48},{"sentences":[{"text":"sell them as a package.","start":1315.08,"end":1316.0599,"sentiment":"neutral","sentiment_score":0.15691610276699067}],"sentiment":"neutral","sentiment_score":0.15691610276699067,"channel":1,"num_words":5,"start":1315.08,"end":1316.0599},{"sentences":[{"text":"Yeah.","start":1316.66,"end":1317.06,"sentiment":"neutral","sentiment_score":0.1499464064836502},{"text":"May as well.","start":1317.06,"end":1317.86,"sentiment":"neutral","sentiment_score":0.18692703545093536},{"text":"That's all good.","start":1317.86,"end":1319.0,"sentiment":"positive","sentiment_score":0.3619999587535858},{"text":"Fantastic.","start":1319.7,"end":1320.2,"sentiment":"positive","sentiment_score":0.5360656976699829},{"text":"Update that for you.","start":1320.58,"end":1321.46,"sentiment":"positive","sentiment_score":0.38013336807489395}],"sentiment":"neutral","sentiment_score":0.3211105465888977,"channel":0,"num_words":12,"start":1316.66,"end":1321.46},{"sentences":[{"text":"So I'm just updating both the fact lines individually because I have one for each of you, so just making sure it's all good across the board.","start":1321.46,"end":1328.245,"sentiment":"neutral","sentiment_score":0.24412776088273083},{"text":"Fantastic.","start":1328.465,"end":1328.965,"sentiment":"positive","sentiment_score":0.3767686188220978},{"text":"I've got contents noted down here.","start":1329.985,"end":1332.1449,"sentiment":"neutral","sentiment_score":0.1805383488535881},{"text":"So valuation of contents is about 282,500.","start":1332.1449,"end":1337.1849,"sentiment":"neutral","sentiment_score":0.07214133494666644},{"text":"Would you alter or change that valuation","start":1337.1849,"end":1339.205,"sentiment":"neutral","sentiment_score":0.043576352830444066}],"sentiment":"neutral","sentiment_score":0.18461400146285692,"channel":0,"num_words":48,"start":1321.46,"end":1339.205},{"sentences":[{"text":"I think I'll just leave it as that, but I do have another","start":1340.2001,"end":1342.76,"sentiment":"neutral","sentiment_score":0.07324851390260917}],"sentiment":"neutral","sentiment_score":0.07324851390260917,"channel":1,"num_words":13,"start":1340.2001,"end":1342.76},{"sentences":[{"text":"Yep.","start":1342.4299,"end":1342.9299,"sentiment":"neutral","sentiment_score":0.05523721128702164}],"sentiment":"neutral","sentiment_score":0.05523721128702164,"channel":0,"num_words":1,"start":1342.4299,"end":1342.9299},{"sentences":[{"text":"vehicle that you've gotta add.","start":1342.76,"end":1344.2201,"sentiment":"neutral","sentiment_score":0.07131108343601227}],"sentiment":"neutral","sentiment_score":0.07131108343601227,"channel":1,"num_words":5,"start":1342.76,"end":1344.2201},{"sentences":[{"text":"Beautiful.","start":1344.83,"end":1345.33,"sentiment":"neutral","sentiment_score":0.2469687312841415},{"text":"And the new vehicle there as well.","start":1345.5499,"end":1347.5499,"sentiment":"neutral","sentiment_score":0.09508781880140305},{"text":"What kind of car is it?","start":1347.5499,"end":1349.01,"sentiment":"neutral","sentiment_score":0.0241519995033741}],"sentiment":"neutral","sentiment_score":0.07553538999387197,"channel":0,"num_words":14,"start":1344.83,"end":1349.01},{"sentences":[{"text":"It's a BYDC line eight.","start":1349.0801,"end":1351.3401,"sentiment":"neutral","sentiment_score":0.03726533018052578}],"sentiment":"neutral","sentiment_score":0.03726533018052578,"channel":1,"num_words":5,"start":1349.0801,"end":1351.3401},{"sentences":[{"text":"Yep.","start":1351.87,"end":1352.37,"sentiment":"neutral","sentiment_score":0.033029355108737946},{"text":"C Line eight.","start":1352.75,"end":1353.835,"sentiment":"neutral","sentiment_score":0.03248897132774194},{"text":"Beautiful.","start":1353.835,"end":1354.335,"sentiment":"neutral","sentiment_score":0.16581112146377563},{"text":"And valuation of that vehicle?","start":1354.3949,"end":1356.255,"sentiment":"neutral","sentiment_score":0.05838648825883865}],"sentiment":"neutral","sentiment_score":0.05882398318499327,"channel":0,"num_words":10,"start":1351.87,"end":1356.255},{"sentences":[{"text":"What what was your name?","start":1357.865,"end":1358.905,"sentiment":"neutral","sentiment_score":0.01349172331392765},{"text":"70000.","start":1358.905,"end":1359.7251,"sentiment":"neutral","sentiment_score":0.010569080710411072},{"text":"70000?","start":1359.785,"end":1360.685,"sentiment":"neutral","sentiment_score":0.010589840821921824}],"sentiment":"neutral","sentiment_score":0.012659648300281592,"channel":1,"num_words":7,"start":1357.865,"end":1360.685},{"sentences":[{"text":"70000.","start":1361.195,"end":1362.095,"sentiment":"neutral","sentiment_score":0.028667505830526352},{"text":"Beautiful.","start":1362.1549,"end":1362.6549,"sentiment":"neutral","sentiment_score":0.11956842988729476},{"text":"Excellent.","start":1363.195,"end":1363.695,"sentiment":"positive","sentiment_score":0.6201517581939697}],"sentiment":"neutral","sentiment_score":0.2561292313039303,"channel":0,"num_words":3,"start":1361.195,"end":1363.695},{"sentences":[{"text":"And I do have","start":1363.2251,"end":1363.9451,"sentiment":"neutral","sentiment_score":0.22451751306653023}],"sentiment":"neutral","sentiment_score":0.22451751306653023,"channel":1,"num_words":4,"start":1363.2251,"end":1363.9451},{"sentences":[{"text":"And","start":1363.835,"end":1363.995,"sentiment":"neutral","sentiment_score":0.15055230259895325}],"sentiment":"neutral","sentiment_score":0.15055230259895325,"channel":0,"num_words":1,"start":1363.835,"end":1363.995},{"sentences":[{"text":"a","start":1363.9451,"end":1364.025,"sentiment":"neutral","sentiment_score":0.12733818590641022}],"sentiment":"neutral","sentiment_score":0.12733818590641022,"channel":1,"num_words":1,"start":1363.9451,"end":1364.025},{"sentences":[{"text":"that's","start":1363.995,"end":1364.155,"sentiment":"neutral","sentiment_score":0.1032906174659729}],"sentiment":"neutral","sentiment_score":0.1032906174659729,"channel":0,"num_words":1,"start":1363.995,"end":1364.155},{"sentences":[{"text":"loan","start":1364.025,"end":1364.265,"sentiment":"neutral","sentiment_score":0.11491604149341585}],"sentiment":"neutral","sentiment_score":0.11491604149341585,"channel":1,"num_words":1,"start":1364.025,"end":1364.265},{"sentences":[{"text":"a","start":1364.155,"end":1364.315,"sentiment":"neutral","sentiment_score":0.11079514026641846}],"sentiment":"neutral","sentiment_score":0.11079514026641846,"channel":0,"num_words":1,"start":1364.155,"end":1364.315},{"sentences":[{"text":"on that.","start":1364.265,"end":1364.925,"sentiment":"neutral","sentiment_score":0.17531690746545792}],"sentiment":"neutral","sentiment_score":0.17531690746545792,"channel":1,"num_words":2,"start":1364.265,"end":1364.925},{"sentences":[{"text":"yeah.","start":1365.195,"end":1365.595,"sentiment":"neutral","sentiment_score":0.2760544717311859},{"text":"All good.","start":1365.595,"end":1366.075,"sentiment":"positive","sentiment_score":0.5061402320861816},{"text":"How much do you owe on","start":1366.075,"end":1367.22,"sentiment":"neutral","sentiment_score":0.014447547495365143}],"sentiment":"neutral","sentiment_score":0.15278002454174888,"channel":0,"num_words":9,"start":1365.195,"end":1367.22},{"sentences":[{"text":"I think I owe around about what do I can I have The same thing?","start":1368.3451,"end":1373.37,"sentiment":"neutral","sentiment_score":0.011553634361674388},{"text":"Around about the same because it's only","start":1373.37,"end":1374.73,"sentiment":"neutral","sentiment_score":-0.0024234236521546598}],"sentiment":"neutral","sentiment_score":0.007106388630001509,"channel":1,"num_words":22,"start":1368.3451,"end":1374.73},{"sentences":[{"text":"that","start":1374.6599,"end":1374.9,"sentiment":"neutral","sentiment_score":0.008612981997430325}],"sentiment":"neutral","sentiment_score":0.008612981997430325,"channel":0,"num_words":1,"start":1374.6599,"end":1374.9},{"sentences":[{"text":"recent.","start":1374.73,"end":1375.23,"sentiment":"neutral","sentiment_score":0.006911936681717634}],"sentiment":"neutral","sentiment_score":0.006911936681717634,"channel":1,"num_words":1,"start":1374.73,"end":1375.23},{"sentences":[{"text":"one?","start":1374.9,"end":1375.4,"sentiment":"neutral","sentiment_score":0.003192437347024679}],"sentiment":"neutral","sentiment_score":0.003192437347024679,"channel":0,"num_words":1,"start":1374.9,"end":1375.4},{"sentences":[{"text":"It's only, like, four months old","start":1375.61,"end":1376.99,"sentiment":"neutral","sentiment_score":0.004016845972122003}],"sentiment":"neutral","sentiment_score":0.004016845972122003,"channel":1,"num_words":6,"start":1375.61,"end":1376.99},{"sentences":[{"text":"Yep.","start":1376.82,"end":1377.32,"sentiment":"neutral","sentiment_score":0.020784541964530945},{"text":"Yep.","start":1377.38,"end":1377.88,"sentiment":"neutral","sentiment_score":0.029529497027397156}],"sentiment":"neutral","sentiment_score":0.02515701949596405,"channel":0,"num_words":2,"start":1376.82,"end":1377.88},{"sentences":[{"text":"or a","start":1378.09,"end":1378.33,"sentiment":"neutral","sentiment_score":0.03481764439493418}],"sentiment":"neutral","sentiment_score":0.03481764439493418,"channel":1,"num_words":2,"start":1378.09,"end":1378.33},{"sentences":[{"text":"All","start":1378.26,"end":1378.58,"sentiment":"neutral","sentiment_score":0.13326582312583923}],"sentiment":"neutral","sentiment_score":0.13326582312583923,"channel":0,"num_words":1,"start":1378.26,"end":1378.58},{"sentences":[{"text":"couple of","start":1378.33,"end":1378.65,"sentiment":"neutral","sentiment_score":0.19186159968376157}],"sentiment":"neutral","sentiment_score":0.19186159968376157,"channel":1,"num_words":2,"start":1378.33,"end":1378.65},{"sentences":[{"text":"good.","start":1378.58,"end":1379.08,"sentiment":"neutral","sentiment_score":0.17910456657409668}],"sentiment":"neutral","sentiment_score":0.17910456657409668,"channel":0,"num_words":1,"start":1378.58,"end":1379.08},{"sentences":[{"text":"months old.","start":1378.65,"end":1379.47,"sentiment":"neutral","sentiment_score":0.09145503118634224},{"text":"And","start":1380.09,"end":1380.25,"sentiment":"neutral","sentiment_score":0.17867149412631989}],"sentiment":"neutral","sentiment_score":0.12052718549966812,"channel":1,"num_words":3,"start":1378.65,"end":1380.25},{"sentences":[{"text":"Beautiful.","start":1380.1799,"end":1380.6799,"sentiment":"positive","sentiment_score":0.4341022968292236}],"sentiment":"positive","sentiment_score":0.4341022968292236,"channel":0,"num_words":1,"start":1380.1799,"end":1380.6799},{"sentences":[{"text":"it like, both of our vehicle loans, just so you know, they're both at, like, what his is 1.99%, and one's mine's 1.89%.","start":1380.25,"end":1387.705,"sentiment":"neutral","sentiment_score":0.12167099733715472},{"text":"So they're very low","start":1387.705,"end":1388.585,"sentiment":"neutral","sentiment_score":0.05073929391801357}],"sentiment":"neutral","sentiment_score":0.11116259683061529,"channel":1,"num_words":27,"start":1380.25,"end":1388.585},{"sentences":[{"text":"Okay.","start":1388.435,"end":1388.935,"sentiment":"neutral","sentiment_score":0.019697509706020355}],"sentiment":"neutral","sentiment_score":0.019697509706020355,"channel":0,"num_words":1,"start":1388.435,"end":1388.935},{"sentences":[{"text":"interest rates.","start":1388.585,"end":1389.485,"sentiment":"neutral","sentiment_score":0.0173153355717659}],"sentiment":"neutral","sentiment_score":0.0173153355717659,"channel":1,"num_words":2,"start":1388.585,"end":1389.485},{"sentences":[{"text":"Yeah.","start":1389.875,"end":1390.375,"sentiment":"neutral","sentiment_score":0.029698006808757785},{"text":"That's it.","start":1390.5951,"end":1391.395,"sentiment":"neutral","sentiment_score":0.0382667426019907},{"text":"1.89% there.","start":1391.395,"end":1392.995,"sentiment":"neutral","sentiment_score":0.04139559715986252},{"text":"And then the BYD Shark was 1.99","start":1392.995,"end":1395.84,"sentiment":"neutral","sentiment_score":0.03573333684887205}],"sentiment":"neutral","sentiment_score":0.03659633702288071,"channel":0,"num_words":12,"start":1389.875,"end":1395.84},{"sentences":[{"text":"Yeah.","start":1396.0249,"end":1396.4249,"sentiment":"neutral","sentiment_score":0.057762980461120605},{"text":"Yep.","start":1396.4249,"end":1396.9249,"sentiment":"neutral","sentiment_score":0.06863410025835037}],"sentiment":"neutral","sentiment_score":0.06319854035973549,"channel":1,"num_words":2,"start":1396.0249,"end":1396.9249},{"sentences":[{"text":"percent.","start":1397.0199,"end":1397.1,"sentiment":"neutral","sentiment_score":0.06853272020816803},{"text":"Yep.","start":1397.1,"end":1397.58,"sentiment":"neutral","sentiment_score":0.16329658031463623},{"text":"Beautiful.","start":1397.58,"end":1398.08,"sentiment":"positive","sentiment_score":0.5884726643562317},{"text":"They are really low interest rates.","start":1398.2999,"end":1399.98,"sentiment":"positive","sentiment_score":0.39988844593365985},{"text":"That's fantastic.","start":1399.98,"end":1400.72,"sentiment":"positive","sentiment_score":0.6263654828071594}],"sentiment":"positive","sentiment_score":0.40657850964502856,"channel":0,"num_words":11,"start":1397.0199,"end":1400.72},{"sentences":[{"text":"Yeah.","start":1400.38,"end":1400.88,"sentiment":"neutral","sentiment_score":0.14780190587043762},{"text":"That's why","start":1401.82,"end":1402.22,"sentiment":"neutral","sentiment_score":0.08269728720188141}],"sentiment":"neutral","sentiment_score":0.10439882675806682,"channel":1,"num_words":3,"start":1400.38,"end":1402.22},{"sentences":[{"text":"Almost","start":1402.1399,"end":1402.6399,"sentiment":"neutral","sentiment_score":0.05227319151163101}],"sentiment":"neutral","sentiment_score":0.05227319151163101,"channel":0,"num_words":1,"start":1402.1399,"end":1402.6399},{"sentences":[{"text":"we didn't bother","start":1402.22,"end":1402.7799,"sentiment":"neutral","sentiment_score":0.02352496236562729}],"sentiment":"neutral","sentiment_score":0.02352496236562729,"channel":1,"num_words":3,"start":1402.22,"end":1402.7799},{"sentences":[{"text":"unheard","start":1402.7,"end":1403.2,"sentiment":"neutral","sentiment_score":-0.0024777143262326717}],"sentiment":"neutral","sentiment_score":-0.0024777143262326717,"channel":0,"num_words":1,"start":1402.7,"end":1403.2},{"sentences":[{"text":"paying them out with the money we had in the offset.","start":1402.7799,"end":1404.7,"sentiment":"neutral","sentiment_score":0.018863409080288628},{"text":"We're like,","start":1404.7,"end":1405.1799,"sentiment":"neutral","sentiment_score":0.008381662191823125}],"sentiment":"neutral","sentiment_score":0.01725083263590932,"channel":1,"num_words":13,"start":1402.7799,"end":1405.1799},{"sentences":[{"text":"of.","start":1404.94,"end":1405.2599,"sentiment":"neutral","sentiment_score":0.006561744026839733}],"sentiment":"neutral","sentiment_score":0.006561744026839733,"channel":0,"num_words":1,"start":1404.94,"end":1405.2599},{"sentences":[{"text":"that's","start":1405.1799,"end":1405.4199,"sentiment":"neutral","sentiment_score":0.0006448999047279358}],"sentiment":"neutral","sentiment_score":0.0006448999047279358,"channel":1,"num_words":1,"start":1405.1799,"end":1405.4199},{"sentences":[{"text":"Yeah.","start":1405.2599,"end":1405.7599,"sentiment":"neutral","sentiment_score":-0.005548941902816296}],"sentiment":"neutral","sentiment_score":-0.005548941902816296,"channel":0,"num_words":1,"start":1405.2599,"end":1405.7599},{"sentences":[{"text":"too low.","start":1405.4199,"end":1405.98,"sentiment":"neutral","sentiment_score":0.0040464517660439014},{"text":"It just","start":1405.98,"end":1406.5399,"sentiment":"neutral","sentiment_score":0.001255108043551445}],"sentiment":"neutral","sentiment_score":0.0026507799047976732,"channel":1,"num_words":4,"start":1405.4199,"end":1406.5399},{"sentences":[{"text":"Is that financed with the the","start":1406.94,"end":1409.325,"sentiment":"neutral","sentiment_score":0.013107956852763891}],"sentiment":"neutral","sentiment_score":0.013107956852763891,"channel":0,"num_words":6,"start":1406.94,"end":1409.325},{"sentences":[{"text":"Yeah.","start":1410.2999,"end":1410.7,"sentiment":"neutral","sentiment_score":0.02263992466032505},{"text":"With BYD.","start":1410.7,"end":1411.57,"sentiment":"neutral","sentiment_score":0.023892399854958057},{"text":"BYD.","start":1411.82,"end":1411.9,"sentiment":"neutral","sentiment_score":0.02396097406744957}],"sentiment":"neutral","sentiment_score":0.023596424609422684,"channel":1,"num_words":4,"start":1410.2999,"end":1411.9},{"sentences":[{"text":"car","start":1411.885,"end":1412.325,"sentiment":"neutral","sentiment_score":0.012711144983768463}],"sentiment":"neutral","sentiment_score":0.012711144983768463,"channel":0,"num_words":1,"start":1411.885,"end":1412.325},{"sentences":[{"text":"Yeah.","start":1411.9,"end":1412.4,"sentiment":"neutral","sentiment_score":0.010114585049450396}],"sentiment":"neutral","sentiment_score":0.010114585049450396,"channel":1,"num_words":1,"start":1411.9,"end":1412.4},{"sentences":[{"text":"yard?","start":1412.325,"end":1412.7649,"sentiment":"neutral","sentiment_score":0.008602207526564598},{"text":"Yeah.","start":1412.7649,"end":1413.1649,"sentiment":"neutral","sentiment_score":0.02262120507657528}],"sentiment":"neutral","sentiment_score":0.015611706301569939,"channel":0,"num_words":2,"start":1412.325,"end":1413.1649},{"sentences":[{"text":"That's what","start":1412.9149,"end":1413.235,"sentiment":"neutral","sentiment_score":0.030483566224575043}],"sentiment":"neutral","sentiment_score":0.030483566224575043,"channel":1,"num_words":2,"start":1412.9149,"end":1413.235},{"sentences":[{"text":"Yep.","start":1413.1649,"end":1413.565,"sentiment":"neutral","sentiment_score":0.03923537954688072}],"sentiment":"neutral","sentiment_score":0.03923537954688072,"channel":0,"num_words":1,"start":1413.1649,"end":1413.565},{"sentences":[{"text":"I do","start":1413.235,"end":1413.635,"sentiment":"neutral","sentiment_score":0.029884161427617073}],"sentiment":"neutral","sentiment_score":0.029884161427617073,"channel":1,"num_words":2,"start":1413.235,"end":1413.635},{"sentences":[{"text":"It","start":1413.565,"end":1413.725,"sentiment":"neutral","sentiment_score":0.030433768406510353}],"sentiment":"neutral","sentiment_score":0.030433768406510353,"channel":0,"num_words":1,"start":1413.565,"end":1413.725},{"sentences":[{"text":"to","start":1413.635,"end":1413.7949,"sentiment":"neutral","sentiment_score":0.027408095076680183}],"sentiment":"neutral","sentiment_score":0.027408095076680183,"channel":1,"num_words":1,"start":1413.635,"end":1413.7949},{"sentences":[{"text":"does","start":1413.725,"end":1414.125,"sentiment":"neutral","sentiment_score":0.026590175926685333}],"sentiment":"neutral","sentiment_score":0.026590175926685333,"channel":0,"num_words":1,"start":1413.725,"end":1414.125},{"sentences":[{"text":"shift shift","start":1413.7949,"end":1414.2749,"sentiment":"neutral","sentiment_score":0.028337671421468254}],"sentiment":"neutral","sentiment_score":0.028337671421468254,"channel":1,"num_words":2,"start":1413.7949,"end":1414.2749},{"sentences":[{"text":"sound","start":1414.125,"end":1414.625,"sentiment":"neutral","sentiment_score":0.023340387269854546}],"sentiment":"neutral","sentiment_score":0.023340387269854546,"channel":0,"num_words":1,"start":1414.125,"end":1414.625},{"sentences":[{"text":"units.","start":1414.2749,"end":1414.7749,"sentiment":"neutral","sentiment_score":0.02253561094403267},{"text":"Yeah.","start":1415.075,"end":1415.575,"sentiment":"neutral","sentiment_score":0.07217434048652649}],"sentiment":"neutral","sentiment_score":0.04735497571527958,"channel":1,"num_words":2,"start":1414.2749,"end":1415.575},{"sentences":[{"text":"absolutely.","start":1416.605,"end":1417.105,"sentiment":"neutral","sentiment_score":0.06866743415594101}],"sentiment":"neutral","sentiment_score":0.06866743415594101,"channel":0,"num_words":1,"start":1416.605,"end":1417.105},{"sentences":[{"text":"Up to date by the","start":1416.6749,"end":1417.475,"sentiment":"neutral","sentiment_score":0.03808855563402176}],"sentiment":"neutral","sentiment_score":0.03808855563402176,"channel":1,"num_words":5,"start":1416.6749,"end":1417.475},{"sentences":[{"text":"It","start":1417.4049,"end":1417.565,"sentiment":"neutral","sentiment_score":0.03414836898446083}],"sentiment":"neutral","sentiment_score":0.03414836898446083,"channel":0,"num_words":1,"start":1417.4049,"end":1417.565},{"sentences":[{"text":"Chinese","start":1417.475,"end":1417.875,"sentiment":"neutral","sentiment_score":0.024846099317073825}],"sentiment":"neutral","sentiment_score":0.024846099317073825,"channel":1,"num_words":1,"start":1417.475,"end":1417.875},{"sentences":[{"text":"does","start":1417.565,"end":1418.065,"sentiment":"neutral","sentiment_score":0.021799348294734955}],"sentiment":"neutral","sentiment_score":0.021799348294734955,"channel":0,"num_words":1,"start":1417.565,"end":1418.065},{"sentences":[{"text":"government, I'm guessing.","start":1417.875,"end":1418.9349,"sentiment":"neutral","sentiment_score":0.03323515752951304}],"sentiment":"neutral","sentiment_score":0.03323515752951304,"channel":1,"num_words":3,"start":1417.875,"end":1418.9349},{"sentences":[{"text":"absolutely.","start":1419.965,"end":1420.465,"sentiment":"neutral","sentiment_score":0.02824171632528305},{"text":"But, no, that does sound like the car yard's interest rates, which is absolutely fine.","start":1420.725,"end":1425.12,"sentiment":"neutral","sentiment_score":0.02861578743904829},{"text":"Do you guys have balloons on those payments as well once they finish up,","start":1425.12,"end":1429.12,"sentiment":"neutral","sentiment_score":0.009790825990161725}],"sentiment":"neutral","sentiment_score":0.019818336392442387,"channel":0,"num_words":30,"start":1419.965,"end":1429.12},{"sentences":[{"text":"No.","start":1429.0499,"end":1429.5499,"sentiment":"neutral","sentiment_score":-0.04079318046569824}],"sentiment":"neutral","sentiment_score":-0.04079318046569824,"channel":1,"num_words":1,"start":1429.0499,"end":1429.5499},{"sentences":[{"text":"or is that completely","start":1429.12,"end":1430.16,"sentiment":"neutral","sentiment_score":-0.034636115189641714}],"sentiment":"neutral","sentiment_score":-0.034636115189641714,"channel":0,"num_words":4,"start":1429.12,"end":1430.16},{"sentences":[{"text":"No.","start":1430.09,"end":1430.59,"sentiment":"neutral","sentiment_score":-0.07738813757896423}],"sentiment":"neutral","sentiment_score":-0.07738813757896423,"channel":1,"num_words":1,"start":1430.09,"end":1430.59},{"sentences":[{"text":"paid down to nothing?","start":1430.16,"end":1431.3,"sentiment":"neutral","sentiment_score":-0.06264669634401798}],"sentiment":"neutral","sentiment_score":-0.06264669634401798,"channel":0,"num_words":4,"start":1430.16,"end":1431.3},{"sentences":[{"text":"No.","start":1430.97,"end":1431.47,"sentiment":"neutral","sentiment_score":-0.042151544243097305}],"sentiment":"neutral","sentiment_score":-0.042151544243097305,"channel":1,"num_words":1,"start":1430.97,"end":1431.47},{"sentences":[{"text":"Nothing.","start":1431.6,"end":1432.08,"sentiment":"neutral","sentiment_score":-0.02852800115942955}],"sentiment":"neutral","sentiment_score":-0.02852800115942955,"channel":0,"num_words":1,"start":1431.6,"end":1432.08},{"sentences":[{"text":"They have","start":1431.85,"end":1432.1699,"sentiment":"neutral","sentiment_score":-0.007476293481886387}],"sentiment":"neutral","sentiment_score":-0.007476293481886387,"channel":1,"num_words":2,"start":1431.85,"end":1432.1699},{"sentences":[{"text":"Beautiful.","start":1432.08,"end":1432.58,"sentiment":"neutral","sentiment_score":0.010127145797014236}],"sentiment":"neutral","sentiment_score":0.010127145797014236,"channel":0,"num_words":1,"start":1432.08,"end":1432.58},{"sentences":[{"text":"nothing in three years.","start":1432.1699,"end":1433.45,"sentiment":"neutral","sentiment_score":-0.008727393113076687},{"text":"Yep.","start":1433.45,"end":1433.95,"sentiment":"neutral","sentiment_score":0.007845250889658928}],"sentiment":"neutral","sentiment_score":-0.005412864312529564,"channel":1,"num_words":5,"start":1432.1699,"end":1433.95},{"sentences":[{"text":"No.","start":1435.28,"end":1435.68,"sentiment":"neutral","sentiment_score":0.019699204713106155},{"text":"All good.","start":1435.68,"end":1436.5,"sentiment":"neutral","sentiment_score":0.14196546748280525},{"text":"Fantastic.","start":1437.68,"end":1438.18,"sentiment":"neutral","sentiment_score":0.19197124242782593},{"text":"And you own both those cars in three years, or how","start":1438.3201,"end":1441.965,"sentiment":"neutral","sentiment_score":0.04278221658684991}],"sentiment":"neutral","sentiment_score":0.06441371763745944,"channel":0,"num_words":15,"start":1435.28,"end":1441.965},{"sentences":[{"text":"Yep.","start":1441.845,"end":1442.325,"sentiment":"neutral","sentiment_score":0.022082408890128136}],"sentiment":"neutral","sentiment_score":0.022082408890128136,"channel":1,"num_words":1,"start":1441.845,"end":1442.325},{"sentences":[{"text":"often?","start":1441.965,"end":1442.465,"sentiment":"neutral","sentiment_score":0.017035987228155136}],"sentiment":"neutral","sentiment_score":0.017035987228155136,"channel":0,"num_words":1,"start":1441.965,"end":1442.465},{"sentences":[{"text":"Well,","start":1442.325,"end":1442.825,"sentiment":"neutral","sentiment_score":0.02097136899828911}],"sentiment":"neutral","sentiment_score":0.02097136899828911,"channel":1,"num_words":1,"start":1442.325,"end":1442.825},{"sentences":[{"text":"Yep.","start":1443.005,"end":1443.505,"sentiment":"neutral","sentiment_score":0.01608509197831154}],"sentiment":"neutral","sentiment_score":0.01608509197831154,"channel":0,"num_words":1,"start":1443.005,"end":1443.505},{"sentences":[{"text":"mine in two.","start":1443.045,"end":1443.925,"sentiment":"neutral","sentiment_score":0.021927374104658764},{"text":"Two, mine in three.","start":1443.925,"end":1445.145,"sentiment":"neutral","sentiment_score":0.03208834817633033},{"text":"So the","start":1446.325,"end":1446.805,"sentiment":"neutral","sentiment_score":0.06905169039964676}],"sentiment":"neutral","sentiment_score":0.03691543286873235,"channel":1,"num_words":9,"start":1443.045,"end":1446.805},{"sentences":[{"text":"Perfect.","start":1446.6849,"end":1447.1849,"sentiment":"neutral","sentiment_score":0.09103626012802124}],"sentiment":"neutral","sentiment_score":0.09103626012802124,"channel":0,"num_words":1,"start":1446.6849,"end":1447.1849},{"sentences":[{"text":"shark in shark in two.","start":1446.805,"end":1448.165,"sentiment":"neutral","sentiment_score":0.04811382815241814},{"text":"Yeah.","start":1448.165,"end":1448.665,"sentiment":"neutral","sentiment_score":0.030484095215797424}],"sentiment":"neutral","sentiment_score":0.04517553932964802,"channel":1,"num_words":6,"start":1446.805,"end":1448.665},{"sentences":[{"text":"So two years.","start":1448.6849,"end":1449.505,"sentiment":"neutral","sentiment_score":0.023771410807967186},{"text":"Yep.","start":1449.565,"end":1450.065,"sentiment":"neutral","sentiment_score":0.036233339458703995},{"text":"To be owned.","start":1450.285,"end":1451.1849,"sentiment":"neutral","sentiment_score":0.0331600500891606},{"text":"And then three for the BYDC line.","start":1451.725,"end":1454.8301,"sentiment":"neutral","sentiment_score":0.04439282789826393},{"text":"Beautiful.","start":1454.8301,"end":1455.23,"sentiment":"neutral","sentiment_score":0.157332181930542}],"sentiment":"neutral","sentiment_score":0.04500731329123179,"channel":0,"num_words":15,"start":1448.6849,"end":1455.23},{"sentences":[{"text":"Are","start":1455.23,"end":1455.39,"sentiment":"neutral","sentiment_score":0.035004086792469025}],"sentiment":"neutral","sentiment_score":0.035004086792469025,"channel":0,"num_words":1,"start":1455.23,"end":1455.39},{"sentences":[{"text":"Yeah?","start":1455.285,"end":1455.685,"sentiment":"neutral","sentiment_score":0.034681737422943115}],"sentiment":"neutral","sentiment_score":0.034681737422943115,"channel":1,"num_words":1,"start":1455.285,"end":1455.685},{"sentences":[{"text":"they both","start":1455.39,"end":1455.87,"sentiment":"neutral","sentiment_score":0.024769047275185585}],"sentiment":"neutral","sentiment_score":0.024769047275185585,"channel":0,"num_words":2,"start":1455.39,"end":1455.87},{"sentences":[{"text":"Yep.","start":1455.685,"end":1456.17,"sentiment":"neutral","sentiment_score":0.01502501592040062}],"sentiment":"neutral","sentiment_score":0.01502501592040062,"channel":1,"num_words":1,"start":1455.685,"end":1456.17},{"sentences":[{"text":"electric cars?","start":1455.87,"end":1456.85,"sentiment":"neutral","sentiment_score":0.02027030475437641}],"sentiment":"neutral","sentiment_score":0.02027030475437641,"channel":0,"num_words":2,"start":1455.87,"end":1456.85},{"sentences":[{"text":"Yeah.","start":1457.13,"end":1457.61,"sentiment":"neutral","sentiment_score":0.025587555021047592},{"text":"Yeah.","start":1457.61,"end":1457.8501,"sentiment":"neutral","sentiment_score":0.03073148988187313},{"text":"Hi.","start":1457.8501,"end":1458.0901,"sentiment":"neutral","sentiment_score":0.03769379109144211},{"text":"Both both hybrids.","start":1458.0901,"end":1459.05,"sentiment":"neutral","sentiment_score":0.035166951517264046},{"text":"But mainly, they drive","start":1459.05,"end":1460.01,"sentiment":"neutral","sentiment_score":0.032912532333284616}],"sentiment":"neutral","sentiment_score":0.03311638198792934,"channel":1,"num_words":10,"start":1457.13,"end":1460.01},{"sentences":[{"text":"Hybrid.","start":1459.79,"end":1460.29,"sentiment":"neutral","sentiment_score":0.04156281054019928}],"sentiment":"neutral","sentiment_score":0.04156281054019928,"channel":0,"num_words":1,"start":1459.79,"end":1460.29},{"sentences":[{"text":"lock and electric.","start":1460.01,"end":1460.8301,"sentiment":"neutral","sentiment_score":0.03616483882069588},{"text":"Yeah.","start":1461.13,"end":1461.53,"sentiment":"neutral","sentiment_score":0.0418865792453289},{"text":"They've","start":1461.53,"end":1461.77,"sentiment":"neutral","sentiment_score":0.04166305065155029}],"sentiment":"neutral","sentiment_score":0.038408829271793364,"channel":1,"num_words":5,"start":1460.01,"end":1461.77},{"sentences":[{"text":"Yeah.","start":1461.55,"end":1462.05,"sentiment":"neutral","sentiment_score":0.0443507507443428}],"sentiment":"neutral","sentiment_score":0.0443507507443428,"channel":0,"num_words":1,"start":1461.55,"end":1462.05},{"sentences":[{"text":"just got","start":1461.77,"end":1462.25,"sentiment":"neutral","sentiment_score":0.04431726969778538}],"sentiment":"neutral","sentiment_score":0.04431726969778538,"channel":1,"num_words":2,"start":1461.77,"end":1462.25},{"sentences":[{"text":"Yeah.","start":1462.11,"end":1462.61,"sentiment":"neutral","sentiment_score":0.0493844673037529}],"sentiment":"neutral","sentiment_score":0.0493844673037529,"channel":0,"num_words":1,"start":1462.11,"end":1462.61},{"sentences":[{"text":"a generator here to get you going multiple.","start":1462.25,"end":1464.99,"sentiment":"neutral","sentiment_score":0.07295147888362408}],"sentiment":"neutral","sentiment_score":0.07295147888362408,"channel":1,"num_words":8,"start":1462.25,"end":1464.99},{"sentences":[{"text":"Yeah.","start":1465.55,"end":1465.9501,"sentiment":"neutral","sentiment_score":0.08999399840831757},{"text":"Absolutely.","start":1465.9501,"end":1466.4501,"sentiment":"neutral","sentiment_score":0.12047186493873596},{"text":"Yeah.","start":1466.5901,"end":1466.8301,"sentiment":"neutral","sentiment_score":0.0543893538415432},{"text":"No.","start":1466.8301,"end":1466.99,"sentiment":"neutral","sentiment_score":0.0715121179819107},{"text":"I've got a Hyundai and it's hybrid, and I love it.","start":1466.99,"end":1470.245,"sentiment":"positive","sentiment_score":0.43833613937551325}],"sentiment":"positive","sentiment_score":0.34387099122007686,"channel":0,"num_words":15,"start":1465.55,"end":1470.245},{"sentences":[{"text":"Driving an hour to work, it makes such a difference on fuel.","start":1470.245,"end":1474.085,"sentiment":"positive","sentiment_score":0.44673458486795425},{"text":"It's easy to fill","start":1474.085,"end":1474.885,"sentiment":"positive","sentiment_score":0.46085186302661896}],"sentiment":"positive","sentiment_score":0.45026390440762043,"channel":0,"num_words":16,"start":1470.245,"end":1474.885},{"sentences":[{"text":"Yep.","start":1474.8251,"end":1475.3251,"sentiment":"positive","sentiment_score":0.3827341198921203}],"sentiment":"positive","sentiment_score":0.3827341198921203,"channel":1,"num_words":1,"start":1474.8251,"end":1475.3251},{"sentences":[{"text":"up.","start":1474.885,"end":1475.125,"sentiment":"neutral","sentiment_score":0.3199729323387146},{"text":"It drives most of the way electric, and it's just so much easier.","start":1475.125,"end":1478.745,"sentiment":"positive","sentiment_score":0.4229797308261578}],"sentiment":"positive","sentiment_score":0.415622102362769,"channel":0,"num_words":14,"start":1474.885,"end":1478.745},{"sentences":[{"text":"Yeah.","start":1479.385,"end":1479.625,"sentiment":"neutral","sentiment_score":0.09806019812822342},{"text":"Well, your card","start":1479.625,"end":1480.265,"sentiment":"neutral","sentiment_score":0.0819665218393008}],"sentiment":"neutral","sentiment_score":0.08598994091153145,"channel":1,"num_words":4,"start":1479.385,"end":1480.265},{"sentences":[{"text":"It works.","start":1480.085,"end":1480.665,"sentiment":"neutral","sentiment_score":0.1192043125629425}],"sentiment":"neutral","sentiment_score":0.1192043125629425,"channel":0,"num_words":2,"start":1480.085,"end":1480.665},{"sentences":[{"text":"goes pages on the line trip.","start":1480.265,"end":1484.3081,"sentiment":"neutral","sentiment_score":0.1590836519996325}],"sentiment":"neutral","sentiment_score":0.1590836519996325,"channel":1,"num_words":6,"start":1480.265,"end":1484.3081},{"sentences":[{"text":"It works.","start":1483.86,"end":1484.1799,"sentiment":"positive","sentiment_score":0.3357030153274536},{"text":"Fantastic.","start":1484.1799,"end":1484.34,"sentiment":"positive","sentiment_score":0.7321815490722656},{"text":"It's amazing,","start":1484.34,"end":1484.9,"sentiment":"positive","sentiment_score":0.5800442099571228}],"sentiment":"positive","sentiment_score":0.5127351999282836,"channel":0,"num_words":5,"start":1483.86,"end":1484.9},{"sentences":[{"text":"Yeah.","start":1484.56,"end":1484.7201,"sentiment":"neutral","sentiment_score":0.2026546597480774},{"text":"We can","start":1484.7201,"end":1484.9601,"sentiment":"neutral","sentiment_score":0.02760448306798935}],"sentiment":"neutral","sentiment_score":0.08595454196135204,"channel":1,"num_words":3,"start":1484.56,"end":1484.9601},{"sentences":[{"text":"isn't","start":1484.9,"end":1485.22,"sentiment":"neutral","sentiment_score":0.00137998815625906}],"sentiment":"neutral","sentiment_score":0.00137998815625906,"channel":0,"num_words":1,"start":1484.9,"end":1485.22},{"sentences":[{"text":"do it.","start":1484.9601,"end":1485.6201,"sentiment":"neutral","sentiment_score":0.020655233412981033}],"sentiment":"neutral","sentiment_score":0.020655233412981033,"channel":1,"num_words":2,"start":1484.9601,"end":1485.6201},{"sentences":[{"text":"it?","start":1485.22,"end":1485.3,"sentiment":"neutral","sentiment_score":0.012254862114787102},{"text":"Especially for us","start":1485.3,"end":1486.02,"sentiment":"neutral","sentiment_score":0.023479380334417026}],"sentiment":"neutral","sentiment_score":0.020673250779509544,"channel":0,"num_words":4,"start":1485.22,"end":1486.02},{"sentences":[{"text":"Oh,","start":1485.92,"end":1486.16,"sentiment":"neutral","sentiment_score":0.05503428354859352}],"sentiment":"neutral","sentiment_score":0.05503428354859352,"channel":1,"num_words":1,"start":1485.92,"end":1486.16},{"sentences":[{"text":"to","start":1486.02,"end":1486.52,"sentiment":"neutral","sentiment_score":0.04285068064928055}],"sentiment":"neutral","sentiment_score":0.04285068064928055,"channel":0,"num_words":1,"start":1486.02,"end":1486.52},{"sentences":[{"text":"yeah.","start":1486.16,"end":1486.66,"sentiment":"neutral","sentiment_score":0.0780184268951416},{"text":"Yeah.","start":1487.04,"end":1487.3601,"sentiment":"neutral","sentiment_score":0.20700550079345703},{"text":"So good.","start":1487.3601,"end":1488.1001,"sentiment":"positive","sentiment_score":0.47193239629268646}],"sentiment":"neutral","sentiment_score":0.3072221800684929,"channel":1,"num_words":4,"start":1486.16,"end":1488.1001},{"sentences":[{"text":"feel all good.","start":1488.98,"end":1490.04,"sentiment":"positive","sentiment_score":0.5018451909224192},{"text":"Excellent.","start":1490.82,"end":1491.32,"sentiment":"positive","sentiment_score":0.4458274841308594},{"text":"Now the other thing to sort of look at so we've updated all your assets and liabilities there.","start":1491.78,"end":1496.66,"sentiment":"neutral","sentiment_score":0.0439876387309697},{"text":"Is there","start":1496.66,"end":1496.98,"sentiment":"neutral","sentiment_score":0.01923422608524561}],"sentiment":"neutral","sentiment_score":0.11590037525941928,"channel":0,"num_words":24,"start":1488.98,"end":1496.98},{"sentences":[{"text":"Do","start":1496.895,"end":1497.395,"sentiment":"neutral","sentiment_score":0.01965261623263359}],"sentiment":"neutral","sentiment_score":0.01965261623263359,"channel":1,"num_words":1,"start":1496.895,"end":1497.395},{"sentences":[{"text":"anything else asset or liability wise that we should probably update or note down as anything different to what we had or anything new?","start":1496.98,"end":1504.635,"sentiment":"neutral","sentiment_score":0.01547703806621333}],"sentiment":"neutral","sentiment_score":0.01547703806621333,"channel":0,"num_words":24,"start":1496.98,"end":1504.635},{"sentences":[{"text":"you mention the other you've got the other house there, haven't you?","start":1505.535,"end":1508.175,"sentiment":"neutral","sentiment_score":-0.00040039984742179513},{"text":"The other unit in Melumbin that we own?","start":1508.175,"end":1510.88,"sentiment":"neutral","sentiment_score":-0.0035239653661847115}],"sentiment":"neutral","sentiment_score":-0.0016498260549269617,"channel":1,"num_words":20,"start":1505.535,"end":1510.88},{"sentences":[{"text":"No.","start":1511.495,"end":1511.8151,"sentiment":"neutral","sentiment_score":-0.03186285123229027},{"text":"Not that one.","start":1511.8151,"end":1512.535,"sentiment":"neutral","sentiment_score":-0.027600633601347607},{"text":"So the unit","start":1512.535,"end":1513.3351,"sentiment":"neutral","sentiment_score":-0.005093510262668133}],"sentiment":"neutral","sentiment_score":-0.018563611832048212,"channel":0,"num_words":7,"start":1511.495,"end":1513.3351},{"sentences":[{"text":"Okay.","start":1513.02,"end":1513.52,"sentiment":"neutral","sentiment_score":0.003714916296303272}],"sentiment":"neutral","sentiment_score":0.003714916296303272,"channel":1,"num_words":1,"start":1513.02,"end":1513.52},{"sentences":[{"text":"in Wollumburn, that's okay.","start":1513.3351,"end":1515.15,"sentiment":"neutral","sentiment_score":0.013283118139952421}],"sentiment":"neutral","sentiment_score":0.013283118139952421,"channel":0,"num_words":4,"start":1513.3351,"end":1515.15},{"sentences":[{"text":"Yeah.","start":1515.18,"end":1515.68,"sentiment":"neutral","sentiment_score":0.01816435530781746}],"sentiment":"neutral","sentiment_score":0.01816435530781746,"channel":1,"num_words":1,"start":1515.18,"end":1515.68},{"sentences":[{"text":"Let's update that one.","start":1515.39,"end":1516.77,"sentiment":"neutral","sentiment_score":0.017754515632987022},{"text":"So that's a unit.","start":1516.8301,"end":1517.87,"sentiment":"neutral","sentiment_score":0.017233980121091008},{"text":"What sort of value would you put on that one?","start":1517.87,"end":1520.05,"sentiment":"neutral","sentiment_score":0.0066384342033416035}],"sentiment":"neutral","sentiment_score":0.011463240280540453,"channel":0,"num_words":18,"start":1515.39,"end":1520.05},{"sentences":[{"text":"287,000.","start":1521.02,"end":1522.365,"sentiment":"neutral","sentiment_score":0.0016455433797091246},{"text":"What we bought.","start":1522.445,"end":1522.845,"sentiment":"neutral","sentiment_score":-0.002723156940191984},{"text":"That's what we bought it for.","start":1522.845,"end":1523.885,"sentiment":"neutral","sentiment_score":0.005415331688709557},{"text":"So 300 now because it's Probably 300.","start":1523.885,"end":1525.885,"sentiment":"neutral","sentiment_score":-0.002199045315917049},{"text":"Cost the road trying to sell the one for For 400.","start":1526.045,"end":1529.1849,"sentiment":"neutral","sentiment_score":-0.00826850990680131}],"sentiment":"neutral","sentiment_score":-0.0028706736962444018,"channel":1,"num_words":28,"start":1521.02,"end":1529.1849},{"sentences":[{"text":"For 400.","start":1529.245,"end":1529.885,"sentiment":"neutral","sentiment_score":-0.0005504741566255689},{"text":"3","start":1529.885,"end":1530.125,"sentiment":"neutral","sentiment_score":0.0022553447633981705}],"sentiment":"neutral","sentiment_score":0.00038479881671567756,"channel":1,"num_words":3,"start":1529.245,"end":1530.125},{"sentences":[{"text":"Yeah.","start":1529.9501,"end":1530.315,"sentiment":"neutral","sentiment_score":0.007232894189655781}],"sentiment":"neutral","sentiment_score":0.007232894189655781,"channel":0,"num_words":1,"start":1529.9501,"end":1530.315},{"sentences":[{"text":"100.","start":1530.125,"end":1530.625,"sentiment":"neutral","sentiment_score":0.01124392542988062}],"sentiment":"neutral","sentiment_score":0.01124392542988062,"channel":1,"num_words":1,"start":1530.125,"end":1530.625},{"sentences":[{"text":"Wow.","start":1530.3949,"end":1530.8949,"sentiment":"neutral","sentiment_score":0.0495029091835022},{"text":"Yep.","start":1531.595,"end":1532.075,"sentiment":"neutral","sentiment_score":0.07033880800008774},{"text":"Beautiful.","start":1532.075,"end":1532.575,"sentiment":"neutral","sentiment_score":0.13848274946212769},{"text":"And","start":1532.955,"end":1533.195,"sentiment":"neutral","sentiment_score":0.03326351195573807}],"sentiment":"neutral","sentiment_score":0.07289699465036392,"channel":0,"num_words":4,"start":1530.3949,"end":1533.195},{"sentences":[{"text":"That's","start":1533.165,"end":1533.565,"sentiment":"neutral","sentiment_score":0.019044680520892143}],"sentiment":"neutral","sentiment_score":0.019044680520892143,"channel":1,"num_words":1,"start":1533.165,"end":1533.565},{"sentences":[{"text":"do you have","start":1533.195,"end":1533.595,"sentiment":"neutral","sentiment_score":0.011408322801192602}],"sentiment":"neutral","sentiment_score":0.011408322801192602,"channel":0,"num_words":3,"start":1533.195,"end":1533.595},{"sentences":[{"text":"owned","start":1533.565,"end":1533.885,"sentiment":"neutral","sentiment_score":0.003581564873456955}],"sentiment":"neutral","sentiment_score":0.003581564873456955,"channel":1,"num_words":1,"start":1533.565,"end":1533.885},{"sentences":[{"text":"a loan","start":1533.595,"end":1533.995,"sentiment":"neutral","sentiment_score":0.008826326346024871}],"sentiment":"neutral","sentiment_score":0.008826326346024871,"channel":0,"num_words":2,"start":1533.595,"end":1533.995},{"sentences":[{"text":"out?","start":1533.885,"end":1534.385,"sentiment":"neutral","sentiment_score":0.0027504554018378258}],"sentiment":"neutral","sentiment_score":0.0027504554018378258,"channel":1,"num_words":1,"start":1533.885,"end":1534.385},{"sentences":[{"text":"on that you've owned","start":1533.995,"end":1535.115,"sentiment":"neutral","sentiment_score":-0.007138170418329537}],"sentiment":"neutral","sentiment_score":-0.007138170418329537,"channel":0,"num_words":4,"start":1533.995,"end":1535.115},{"sentences":[{"text":"No.","start":1535.005,"end":1535.245,"sentiment":"neutral","sentiment_score":-0.028322406113147736}],"sentiment":"neutral","sentiment_score":-0.028322406113147736,"channel":1,"num_words":1,"start":1535.005,"end":1535.245},{"sentences":[{"text":"outright?","start":1535.115,"end":1535.615,"sentiment":"neutral","sentiment_score":-0.01822283491492271}],"sentiment":"neutral","sentiment_score":-0.01822283491492271,"channel":0,"num_words":1,"start":1535.115,"end":1535.615},{"sentences":[{"text":"No.","start":1535.245,"end":1535.745,"sentiment":"neutral","sentiment_score":-0.019930852577090263}],"sentiment":"neutral","sentiment_score":-0.019930852577090263,"channel":1,"num_words":1,"start":1535.245,"end":1535.745},{"sentences":[{"text":"Beautiful.","start":1535.7549,"end":1536.2549,"sentiment":"neutral","sentiment_score":-0.0025752000510692596}],"sentiment":"neutral","sentiment_score":-0.0025752000510692596,"channel":0,"num_words":1,"start":1535.7549,"end":1536.2549},{"sentences":[{"text":"Not.","start":1536.365,"end":1536.6849,"sentiment":"neutral","sentiment_score":-0.02471407689154148},{"text":"Yeah.","start":1536.6849,"end":1537.02,"sentiment":"neutral","sentiment_score":-0.0147273950278759},{"text":"But it's owned","start":1537.1,"end":1537.9,"sentiment":"neutral","sentiment_score":-0.029050213595231373}],"sentiment":"neutral","sentiment_score":-0.0253184225410223,"channel":1,"num_words":5,"start":1536.365,"end":1537.9},{"sentences":[{"text":"Yep.","start":1537.7549,"end":1538.2549,"sentiment":"neutral","sentiment_score":-0.02038990706205368}],"sentiment":"neutral","sentiment_score":-0.02038990706205368,"channel":0,"num_words":1,"start":1537.7549,"end":1538.2549},{"sentences":[{"text":"with my parents.","start":1537.9,"end":1538.7001,"sentiment":"neutral","sentiment_score":-0.02669260712961356},{"text":"So all four of us don't own it, and they it's not.","start":1538.7001,"end":1541.1,"sentiment":"neutral","sentiment_score":-0.038287884866197906},{"text":"But","start":1541.1,"end":1541.6,"sentiment":"neutral","sentiment_score":-0.016583280637860298}],"sentiment":"neutral","sentiment_score":-0.03475723252631724,"channel":1,"num_words":16,"start":1537.9,"end":1541.6},{"sentences":[{"text":"Okay.","start":1541.195,"end":1541.695,"sentiment":"neutral","sentiment_score":-0.005570866167545319}],"sentiment":"neutral","sentiment_score":-0.005570866167545319,"channel":0,"num_words":1,"start":1541.195,"end":1541.695},{"sentences":[{"text":"I own it.","start":1541.66,"end":1542.3,"sentiment":"neutral","sentiment_score":0.003625421474377314},{"text":"Yeah.","start":1542.3,"end":1542.8,"sentiment":"neutral","sentiment_score":0.004493063315749168},{"text":"We just had to","start":1544.06,"end":1544.7001,"sentiment":"neutral","sentiment_score":0.008514279033988714}],"sentiment":"neutral","sentiment_score":0.006178305484354496,"channel":1,"num_words":8,"start":1541.66,"end":1544.7001},{"sentences":[{"text":"Perfect.","start":1544.5549,"end":1545.03,"sentiment":"neutral","sentiment_score":0.02195134200155735}],"sentiment":"neutral","sentiment_score":0.02195134200155735,"channel":0,"num_words":1,"start":1544.5549,"end":1545.03},{"sentences":[{"text":"put their name on the lease to Allow them to live in it.","start":1544.7001,"end":1547.74,"sentiment":"neutral","sentiment_score":0.008230861276388168},{"text":"Yeah.","start":1547.74,"end":1548.24,"sentiment":"neutral","sentiment_score":0.021573342382907867},{"text":"Agree.","start":1548.3,"end":1548.8,"sentiment":"neutral","sentiment_score":0.033268172293901443}],"sentiment":"neutral","sentiment_score":0.010789514084657033,"channel":1,"num_words":15,"start":1544.7001,"end":1548.8},{"sentences":[{"text":"Alright.","start":1548.87,"end":1549.37,"sentiment":"neutral","sentiment_score":0.053265850991010666},{"text":"Yep.","start":1549.8301,"end":1550.31,"sentiment":"neutral","sentiment_score":0.04323100671172142}],"sentiment":"neutral","sentiment_score":0.04824842885136604,"channel":0,"num_words":2,"start":1548.87,"end":1550.31},{"sentences":[{"text":"So","start":1550.1051,"end":1550.3451,"sentiment":"neutral","sentiment_score":0.0405631810426712}],"sentiment":"neutral","sentiment_score":0.0405631810426712,"channel":1,"num_words":1,"start":1550.1051,"end":1550.3451},{"sentences":[{"text":"Yep.","start":1550.31,"end":1550.79,"sentiment":"neutral","sentiment_score":0.04802107810974121}],"sentiment":"neutral","sentiment_score":0.04802107810974121,"channel":0,"num_words":1,"start":1550.31,"end":1550.79},{"sentences":[{"text":"we own it.","start":1550.3451,"end":1550.8251,"sentiment":"neutral","sentiment_score":0.08056966712077458}],"sentiment":"neutral","sentiment_score":0.08056966712077458,"channel":1,"num_words":3,"start":1550.3451,"end":1550.8251},{"sentences":[{"text":"Beautiful.","start":1550.79,"end":1551.29,"sentiment":"neutral","sentiment_score":0.28944021463394165}],"sentiment":"neutral","sentiment_score":0.28944021463394165,"channel":0,"num_words":1,"start":1550.79,"end":1551.29},{"sentences":[{"text":"When it says ours, it's in the will that it's ours.","start":1550.8251,"end":1553.145,"sentiment":"neutral","sentiment_score":0.09669396619905125},{"text":"It's it's yeah.","start":1553.145,"end":1554.125,"sentiment":"neutral","sentiment_score":0.058055328826109566}],"sentiment":"neutral","sentiment_score":0.08841425819056374,"channel":1,"num_words":14,"start":1550.8251,"end":1554.125},{"sentences":[{"text":"Yep.","start":1553.91,"end":1554.41,"sentiment":"neutral","sentiment_score":0.1056971549987793},{"text":"Beautiful.","start":1555.51,"end":1556.01,"sentiment":"positive","sentiment_score":0.38288456201553345},{"text":"It's good as the canna for in the wheel.","start":1556.23,"end":1558.185,"sentiment":"positive","sentiment_score":0.3935474322901832},{"text":"Is fantastic.","start":1558.3451,"end":1559.0851,"sentiment":"positive","sentiment_score":0.4951624870300293},{"text":"They're fully owned, and your parents are living in it.","start":1559.545,"end":1562.1051,"sentiment":"neutral","sentiment_score":0.1254740871489048}],"sentiment":"neutral","sentiment_score":0.2728510631815247,"channel":0,"num_words":23,"start":1553.91,"end":1562.1051},{"sentences":[{"text":"Do they pay anything in rent or anything, or they're just living in","start":1562.1051,"end":1565.0651,"sentiment":"neutral","sentiment_score":0.0030039394847475565}],"sentiment":"neutral","sentiment_score":0.0030039394847475565,"channel":0,"num_words":13,"start":1562.1051,"end":1565.0651},{"sentences":[{"text":"No.","start":1564.985,"end":1565.22,"sentiment":"neutral","sentiment_score":-0.003095762804150582}],"sentiment":"neutral","sentiment_score":-0.003095762804150582,"channel":1,"num_words":1,"start":1564.985,"end":1565.22},{"sentences":[{"text":"it rent free?","start":1565.0651,"end":1565.885,"sentiment":"neutral","sentiment_score":0.0022936556488275532}],"sentiment":"neutral","sentiment_score":0.0022936556488275532,"channel":0,"num_words":3,"start":1565.0651,"end":1565.885},{"sentences":[{"text":"Rent free.","start":1566.1,"end":1566.82,"sentiment":"neutral","sentiment_score":0.07365278899669647}],"sentiment":"neutral","sentiment_score":0.07365278899669647,"channel":1,"num_words":2,"start":1566.1,"end":1566.82},{"sentences":[{"text":"Beautiful.","start":1566.425,"end":1566.925,"sentiment":"positive","sentiment_score":0.5332415103912354}],"sentiment":"positive","sentiment_score":0.5332415103912354,"channel":0,"num_words":1,"start":1566.425,"end":1566.925},{"sentences":[{"text":"Rent free to us.","start":1566.82,"end":1567.62,"sentiment":"neutral","sentiment_score":0.27074576541781425},{"text":"Yeah.","start":1567.62,"end":1567.94,"sentiment":"neutral","sentiment_score":0.14778226613998413},{"text":"Yes.","start":1567.94,"end":1568.26,"sentiment":"neutral","sentiment_score":0.12240670621395112},{"text":"Just just","start":1568.26,"end":1568.9,"sentiment":"neutral","sentiment_score":0.09721027314662933}],"sentiment":"neutral","sentiment_score":0.19344907253980637,"channel":1,"num_words":8,"start":1566.82,"end":1568.9},{"sentences":[{"text":"Yeah.","start":1568.7451,"end":1569.2451,"sentiment":"neutral","sentiment_score":0.1159948706626892}],"sentiment":"neutral","sentiment_score":0.1159948706626892,"channel":0,"num_words":1,"start":1568.7451,"end":1569.2451},{"sentences":[{"text":"just an asset appreciating","start":1568.9,"end":1570.52,"sentiment":"neutral","sentiment_score":0.19017653539776802}],"sentiment":"neutral","sentiment_score":0.19017653539776802,"channel":1,"num_words":4,"start":1568.9,"end":1570.52},{"sentences":[{"text":"Yes.","start":1570.425,"end":1570.7451,"sentiment":"neutral","sentiment_score":0.2034907341003418}],"sentiment":"neutral","sentiment_score":0.2034907341003418,"channel":0,"num_words":1,"start":1570.425,"end":1570.7451},{"sentences":[{"text":"slowly.","start":1570.74,"end":1571.24,"sentiment":"neutral","sentiment_score":0.1844550520181656}],"sentiment":"neutral","sentiment_score":0.1844550520181656,"channel":1,"num_words":1,"start":1570.74,"end":1571.24},{"sentences":[{"text":"That's okay.","start":1570.7451,"end":1571.5651,"sentiment":"neutral","sentiment_score":0.32375991344451904}],"sentiment":"neutral","sentiment_score":0.32375991344451904,"channel":0,"num_words":2,"start":1570.7451,"end":1571.5651},{"sentences":[{"text":"Yeah.","start":1571.38,"end":1571.88,"sentiment":"positive","sentiment_score":0.5094544291496277}],"sentiment":"positive","sentiment_score":0.5094544291496277,"channel":1,"num_words":1,"start":1571.38,"end":1571.88},{"sentences":[{"text":"That's absolutely fantastic.","start":1572.8251,"end":1574.69,"sentiment":"positive","sentiment_score":0.7696791887283325},{"text":"Beautiful.","start":1575.1499,"end":1575.6499,"sentiment":"positive","sentiment_score":0.7797562479972839},{"text":"Fantastic.","start":1576.2699,"end":1576.7699,"sentiment":"positive","sentiment_score":0.7325260639190674},{"text":"Thank you for updating that.","start":1576.9099,"end":1578.37,"sentiment":"positive","sentiment_score":0.6267251372337341},{"text":"And, Scott, you still have shares with BHP.","start":1578.6699,"end":1582.37,"sentiment":"neutral","sentiment_score":0.08014414459466934}],"sentiment":"positive","sentiment_score":0.4220054845015208,"channel":0,"num_words":18,"start":1572.8251,"end":1582.37},{"sentences":[{"text":"Do you still have those?","start":1582.59,"end":1583.71,"sentiment":"neutral","sentiment_score":0.055375096201896665},{"text":"You sort of","start":1583.71,"end":1584.35,"sentiment":"neutral","sentiment_score":0.01637463302661975}],"sentiment":"neutral","sentiment_score":0.040749922511167824,"channel":0,"num_words":8,"start":1582.59,"end":1584.35},{"sentences":[{"text":"Yes.","start":1584.195,"end":1584.695,"sentiment":"neutral","sentiment_score":0.030421346426010132}],"sentiment":"neutral","sentiment_score":0.030421346426010132,"channel":1,"num_words":1,"start":1584.195,"end":1584.695},{"sentences":[{"text":"mentioned that you are still having those purchased out of your wages every month","start":1584.35,"end":1588.5651,"sentiment":"neutral","sentiment_score":0.021128977116729532}],"sentiment":"neutral","sentiment_score":0.021128977116729532,"channel":0,"num_words":14,"start":1584.35,"end":1588.5651},{"sentences":[{"text":"Yep.","start":1588.2749,"end":1588.7749,"sentiment":"neutral","sentiment_score":0.014921434223651886}],"sentiment":"neutral","sentiment_score":0.014921434223651886,"channel":1,"num_words":1,"start":1588.2749,"end":1588.7749},{"sentences":[{"text":"or fortnight?","start":1588.5651,"end":1589.305,"sentiment":"neutral","sentiment_score":0.008125202264636755}],"sentiment":"neutral","sentiment_score":0.008125202264636755,"channel":0,"num_words":2,"start":1588.5651,"end":1589.305},{"sentences":[{"text":"Yep.","start":1589.075,"end":1589.475,"sentiment":"neutral","sentiment_score":0.02184019610285759},{"text":"Yep.","start":1589.475,"end":1589.875,"sentiment":"neutral","sentiment_score":0.02888760343194008},{"text":"That's still happening.","start":1589.875,"end":1590.7749,"sentiment":"neutral","sentiment_score":0.04444078169763088}],"sentiment":"neutral","sentiment_score":0.036810028925538064,"channel":1,"num_words":5,"start":1589.075,"end":1590.7749},{"sentences":[{"text":"Yep.","start":1590.3251,"end":1590.8251,"sentiment":"neutral","sentiment_score":0.10317230224609376},{"text":"Beautiful.","start":1591.4451,"end":1591.925,"sentiment":"neutral","sentiment_score":0.27400028705596924},{"text":"Do you know how many shares you have or what the current value of those are?","start":1591.925,"end":1595.705,"sentiment":"neutral","sentiment_score":0.04666649817954749}],"sentiment":"neutral","sentiment_score":0.06243536445415682,"channel":0,"num_words":18,"start":1590.3251,"end":1595.705},{"sentences":[{"text":"I think it's up to 80,000 there.","start":1595.73,"end":1597.6499,"sentiment":"neutral","sentiment_score":0.016901161787765368},{"text":"83","start":1597.6499,"end":1598.37,"sentiment":"neutral","sentiment_score":0.005333116743713617}],"sentiment":"neutral","sentiment_score":0.015455156157258898,"channel":1,"num_words":8,"start":1595.73,"end":1598.37},{"sentences":[{"text":"80,000?","start":1598.085,"end":1598.905,"sentiment":"neutral","sentiment_score":0.0028510638512670994}],"sentiment":"neutral","sentiment_score":0.0028510638512670994,"channel":0,"num_words":1,"start":1598.085,"end":1598.905},{"sentences":[{"text":"eighty 3, was it?","start":1598.37,"end":1599.57,"sentiment":"neutral","sentiment_score":0.003705451963469386},{"text":"Let's see.","start":1599.57,"end":1599.89,"sentiment":"neutral","sentiment_score":0.004839262459427118},{"text":"I was looking at the spreadsheet.","start":1599.89,"end":1601.09,"sentiment":"neutral","sentiment_score":-0.003318333920712272},{"text":"It should be in here somewhere.","start":1601.09,"end":1602.1499,"sentiment":"neutral","sentiment_score":0.012202042465408644}],"sentiment":"neutral","sentiment_score":0.004322365780050556,"channel":1,"num_words":18,"start":1598.37,"end":1602.1499},{"sentences":[{"text":"Yeah.","start":1602.725,"end":1602.885,"sentiment":"neutral","sentiment_score":-0.0032505416311323643},{"text":"That's","start":1602.885,"end":1603.32,"sentiment":"neutral","sentiment_score":-0.009016967378556728}],"sentiment":"neutral","sentiment_score":-0.006133754504844546,"channel":0,"num_words":2,"start":1602.725,"end":1603.32},{"sentences":[{"text":"Why is it not in there?","start":1606.37,"end":1607.505,"sentiment":"neutral","sentiment_score":-0.057019018878539406},{"text":"It's asking the person that created","start":1607.505,"end":1609.345,"sentiment":"neutral","sentiment_score":-0.0323597447325786}],"sentiment":"neutral","sentiment_score":-0.044689381805559,"channel":1,"num_words":12,"start":1606.37,"end":1609.345},{"sentences":[{"text":"okay.","start":1609.1599,"end":1609.6599,"sentiment":"neutral","sentiment_score":-0.02455443888902664}],"sentiment":"neutral","sentiment_score":-0.02455443888902664,"channel":0,"num_words":1,"start":1609.1599,"end":1609.6599},{"sentences":[{"text":"the spreadsheet.","start":1609.345,"end":1609.925,"sentiment":"neutral","sentiment_score":-0.026889260858297348},{"text":"That's the other spreadsheet, though.","start":1610.385,"end":1611.905,"sentiment":"neutral","sentiment_score":-0.015892482921481134},{"text":"Yeah.","start":1611.905,"end":1612.405,"sentiment":"neutral","sentiment_score":0.017718598246574402},{"text":"That's the one where I said I'm working 50%.","start":1612.705,"end":1615.045,"sentiment":"neutral","sentiment_score":0.029247355543904834},{"text":"Yeah.","start":1615.265,"end":1615.585,"sentiment":"neutral","sentiment_score":0.1717061996459961}],"sentiment":"neutral","sentiment_score":0.017745003414650757,"channel":1,"num_words":18,"start":1609.345,"end":1615.585},{"sentences":[{"text":"That's a good one.","start":1615.585,"end":1616.465,"sentiment":"positive","sentiment_score":0.354704312980175},{"text":"That's a good one.","start":1616.465,"end":1617.365,"sentiment":"positive","sentiment_score":0.33960476517677307},{"text":"So what have we got there?","start":1620.7001,"end":1622.0801,"sentiment":"neutral","sentiment_score":0.0075303187283376856},{"text":"There it is.","start":1622.62,"end":1626.54,"sentiment":"neutral","sentiment_score":-0.021960346028208733},{"text":"But you can't No.","start":1626.54,"end":1627.5,"sentiment":"neutral","sentiment_score":-0.0751107344403863}],"sentiment":"neutral","sentiment_score":0.11695686900722128,"channel":1,"num_words":21,"start":1615.585,"end":1627.5},{"sentences":[{"text":"You can't see it from an email.","start":1627.5,"end":1628.54,"sentiment":"neutral","sentiment_score":-0.16170511181865418},{"text":"You gotta log in.","start":1628.54,"end":1629.1001,"sentiment":"neutral","sentiment_score":-0.13021458871662617},{"text":"Oh.","start":1629.1001,"end":1629.3401,"sentiment":"neutral","sentiment_score":-0.07038474082946777},{"text":"So if you haven't got it written in a spreadsheet, you can't see it.","start":1629.3401,"end":1631.5,"sentiment":"neutral","sentiment_score":-0.07665545546582767},{"text":"And I'll put in the spreadsheet.","start":1631.5,"end":1640.5751,"sentiment":"neutral","sentiment_score":0.0035240066548188516}],"sentiment":"neutral","sentiment_score":-0.08672535046935081,"channel":1,"num_words":32,"start":1627.5,"end":1640.5751},{"sentences":[{"text":"It goes up a great rate or not.","start":1641.1151,"end":1642.635,"sentiment":"neutral","sentiment_score":0.11331683956086636},{"text":"So it's insane.","start":1642.635,"end":1643.6151,"sentiment":"neutral","sentiment_score":0.05610800782839457},{"text":"Because they match whatever I buy.","start":1643.8351,"end":1645.275,"sentiment":"neutral","sentiment_score":0.0563899635647734},{"text":"They match every three like, in the rolling three year period.","start":1645.275,"end":1648.88,"sentiment":"neutral","sentiment_score":0.03297775543548844},{"text":"So","start":1648.88,"end":1649.38,"sentiment":"neutral","sentiment_score":0.06825851649045944}],"sentiment":"neutral","sentiment_score":0.06359352922902026,"channel":1,"num_words":29,"start":1641.1151,"end":1649.38},{"sentences":[{"text":"Oh, that's fantastic,","start":1649.675,"end":1650.735,"sentiment":"neutral","sentiment_score":0.27963118255138397}],"sentiment":"neutral","sentiment_score":0.27963118255138397,"channel":0,"num_words":3,"start":1649.675,"end":1650.735},{"sentences":[{"text":"so pretty","start":1650.4,"end":1651.04,"sentiment":"neutral","sentiment_score":0.20085138082504272}],"sentiment":"neutral","sentiment_score":0.20085138082504272,"channel":1,"num_words":2,"start":1650.4,"end":1651.04},{"sentences":[{"text":"isn't","start":1650.875,"end":1651.275,"sentiment":"neutral","sentiment_score":0.18676403164863584}],"sentiment":"neutral","sentiment_score":0.18676403164863584,"channel":0,"num_words":1,"start":1650.875,"end":1651.275},{"sentences":[{"text":"pretty","start":1651.04,"end":1651.36,"sentiment":"neutral","sentiment_score":0.10442595183849336}],"sentiment":"neutral","sentiment_score":0.10442595183849336,"channel":1,"num_words":1,"start":1651.04,"end":1651.36},{"sentences":[{"text":"it?","start":1651.275,"end":1651.775,"sentiment":"neutral","sentiment_score":0.1078617125749588}],"sentiment":"neutral","sentiment_score":0.1078617125749588,"channel":0,"num_words":1,"start":1651.275,"end":1651.775},{"sentences":[{"text":"much 50% shares because yeah.","start":1651.36,"end":1653.8401,"sentiment":"neutral","sentiment_score":0.01652214042842388}],"sentiment":"neutral","sentiment_score":0.01652214042842388,"channel":1,"num_words":5,"start":1651.36,"end":1653.8401},{"sentences":[{"text":"Yeah.","start":1653.515,"end":1654.015,"sentiment":"neutral","sentiment_score":0.01684458553791046}],"sentiment":"neutral","sentiment_score":0.01684458553791046,"channel":0,"num_words":1,"start":1653.515,"end":1654.015},{"sentences":[{"text":"88,000.","start":1653.8401,"end":1654.74,"sentiment":"neutral","sentiment_score":0.017224501818418503},{"text":"Oh, you found","start":1654.9601,"end":1655.52,"sentiment":"neutral","sentiment_score":0.009043817408382893}],"sentiment":"neutral","sentiment_score":0.011088988510891795,"channel":1,"num_words":4,"start":1653.8401,"end":1655.52},{"sentences":[{"text":"80","start":1655.355,"end":1655.675,"sentiment":"neutral","sentiment_score":0.01208025123924017}],"sentiment":"neutral","sentiment_score":0.01208025123924017,"channel":0,"num_words":1,"start":1655.355,"end":1655.675},{"sentences":[{"text":"it?","start":1655.52,"end":1656.02,"sentiment":"neutral","sentiment_score":0.0065967021510005}],"sentiment":"neutral","sentiment_score":0.0065967021510005,"channel":1,"num_words":1,"start":1655.52,"end":1656.02},{"sentences":[{"text":"8,000?","start":1655.675,"end":1656.3351,"sentiment":"neutral","sentiment_score":0.009216850623488426}],"sentiment":"neutral","sentiment_score":0.009216850623488426,"channel":0,"num_words":1,"start":1655.675,"end":1656.3351},{"sentences":[{"text":"Eight","start":1656.24,"end":1656.74,"sentiment":"neutral","sentiment_score":0.03801929950714111}],"sentiment":"neutral","sentiment_score":0.03801929950714111,"channel":1,"num_words":1,"start":1656.24,"end":1656.74},{"sentences":[{"text":"Beautiful.","start":1656.395,"end":1656.895,"sentiment":"neutral","sentiment_score":0.06111063063144684}],"sentiment":"neutral","sentiment_score":0.06111063063144684,"channel":0,"num_words":1,"start":1656.395,"end":1656.895},{"sentences":[{"text":"eight no.","start":1656.8,"end":1657.7001,"sentiment":"neutral","sentiment_score":-0.0023186272010207176},{"text":"Yep.","start":1658.0,"end":1658.175,"sentiment":"neutral","sentiment_score":0.011429022066295149}],"sentiment":"neutral","sentiment_score":0.002263922554751238,"channel":1,"num_words":3,"start":1656.8,"end":1658.175},{"sentences":[{"text":"So","start":1661.5599,"end":1661.72,"sentiment":"neutral","sentiment_score":-0.001596333459019661}],"sentiment":"neutral","sentiment_score":-0.001596333459019661,"channel":0,"num_words":1,"start":1661.5599,"end":1661.72},{"sentences":[{"text":"Yeah.","start":1661.6951,"end":1661.935,"sentiment":"neutral","sentiment_score":0.002912155818194151}],"sentiment":"neutral","sentiment_score":0.002912155818194151,"channel":1,"num_words":1,"start":1661.6951,"end":1661.935},{"sentences":[{"text":"that's","start":1661.72,"end":1662.2,"sentiment":"neutral","sentiment_score":0.005839730612933636}],"sentiment":"neutral","sentiment_score":0.005839730612933636,"channel":0,"num_words":1,"start":1661.72,"end":1662.2},{"sentences":[{"text":"That's where","start":1661.935,"end":1662.3351,"sentiment":"neutral","sentiment_score":-0.00043936970178037904}],"sentiment":"neutral","sentiment_score":-0.00043936970178037904,"channel":1,"num_words":2,"start":1661.935,"end":1662.3351},{"sentences":[{"text":"the 80","start":1662.2,"end":1662.5199,"sentiment":"neutral","sentiment_score":0.002899440936744213}],"sentiment":"neutral","sentiment_score":0.002899440936744213,"channel":0,"num_words":2,"start":1662.2,"end":1662.5199},{"sentences":[{"text":"it's 80","start":1662.3351,"end":1662.8151,"sentiment":"neutral","sentiment_score":0.0029801589844282717}],"sentiment":"neutral","sentiment_score":0.0029801589844282717,"channel":1,"num_words":2,"start":1662.3351,"end":1662.8151},{"sentences":[{"text":"eight thousand.","start":1662.5199,"end":1663.1799,"sentiment":"neutral","sentiment_score":0.005410377634689212}],"sentiment":"neutral","sentiment_score":0.005410377634689212,"channel":0,"num_words":2,"start":1662.5199,"end":1663.1799},{"sentences":[{"text":"thousand 703.","start":1662.8151,"end":1664.175,"sentiment":"neutral","sentiment_score":-0.00024909269995987415},{"text":"So 80,000, not 88.","start":1664.175,"end":1665.375,"sentiment":"neutral","sentiment_score":-0.00931010430213064},{"text":"Okay.","start":1665.375,"end":1665.6951,"sentiment":"neutral","sentiment_score":-0.008691463619470596},{"text":"Yeah.","start":1665.6951,"end":1666.1951,"sentiment":"neutral","sentiment_score":-0.03229698911309242},{"text":"Can't read the numbers where they aren't.","start":1666.255,"end":1668.8151,"sentiment":"neutral","sentiment_score":-0.061507757753133774}],"sentiment":"neutral","sentiment_score":-0.033952090640862784,"channel":1,"num_words":15,"start":1662.8151,"end":1668.8151},{"sentences":[{"text":"80,000.","start":1668.8151,"end":1669.4551,"sentiment":"neutral","sentiment_score":-0.007993255741894245},{"text":"80,000.","start":1669.4551,"end":1670.115,"sentiment":"neutral","sentiment_score":-0.003048516809940338}],"sentiment":"neutral","sentiment_score":-0.005520886275917292,"channel":1,"num_words":2,"start":1668.8151,"end":1670.115},{"sentences":[{"text":"80","start":1671.1599,"end":1671.3999,"sentiment":"neutral","sentiment_score":-0.00019664503633975983}],"sentiment":"neutral","sentiment_score":-0.00019664503633975983,"channel":0,"num_words":1,"start":1671.1599,"end":1671.3999},{"sentences":[{"text":"Well,","start":1671.3201,"end":1671.64,"sentiment":"neutral","sentiment_score":0.0012731412425637243}],"sentiment":"neutral","sentiment_score":0.0012731412425637243,"channel":1,"num_words":1,"start":1671.3201,"end":1671.64},{"sentences":[{"text":"thousand.","start":1671.3999,"end":1671.48,"sentiment":"neutral","sentiment_score":0.003026119899004698},{"text":"Do you","start":1671.48,"end":1671.72,"sentiment":"neutral","sentiment_score":-0.004162914119660854}],"sentiment":"neutral","sentiment_score":-0.001766569446772337,"channel":0,"num_words":3,"start":1671.3999,"end":1671.72},{"sentences":[{"text":"let","start":1671.64,"end":1671.8,"sentiment":"neutral","sentiment_score":-0.0013380516320466995}],"sentiment":"neutral","sentiment_score":-0.0013380516320466995,"channel":1,"num_words":1,"start":1671.64,"end":1671.8},{"sentences":[{"text":"want","start":1671.72,"end":1671.96,"sentiment":"neutral","sentiment_score":-0.0076860710978508}],"sentiment":"neutral","sentiment_score":-0.0076860710978508,"channel":0,"num_words":1,"start":1671.72,"end":1671.96},{"sentences":[{"text":"me","start":1671.8,"end":1671.9601,"sentiment":"neutral","sentiment_score":-0.0011520925909280777}],"sentiment":"neutral","sentiment_score":-0.0011520925909280777,"channel":1,"num_words":1,"start":1671.8,"end":1671.9601},{"sentences":[{"text":"me","start":1671.96,"end":1672.0399,"sentiment":"neutral","sentiment_score":-0.008656302466988564}],"sentiment":"neutral","sentiment_score":-0.008656302466988564,"channel":0,"num_words":1,"start":1671.96,"end":1672.0399},{"sentences":[{"text":"look.","start":1671.9601,"end":1672.4601,"sentiment":"neutral","sentiment_score":-0.004007571376860142}],"sentiment":"neutral","sentiment_score":-0.004007571376860142,"channel":1,"num_words":1,"start":1671.9601,"end":1672.4601},{"sentences":[{"text":"to rounded","start":1672.0399,"end":1672.5349,"sentiment":"neutral","sentiment_score":-0.0002581644803285599}],"sentiment":"neutral","sentiment_score":-0.0002581644803285599,"channel":0,"num_words":2,"start":1672.0399,"end":1672.5349},{"sentences":[{"text":"Yep.","start":1672.52,"end":1673.02,"sentiment":"neutral","sentiment_score":0.0012243750970810652}],"sentiment":"neutral","sentiment_score":0.0012243750970810652,"channel":1,"num_words":1,"start":1672.52,"end":1673.02},{"sentences":[{"text":"off to 80,000 knowing it","start":1672.5349,"end":1674.0549,"sentiment":"neutral","sentiment_score":0.01455113235861063}],"sentiment":"neutral","sentiment_score":0.01455113235861063,"channel":0,"num_words":5,"start":1672.5349,"end":1674.0549},{"sentences":[{"text":"Yep.","start":1674.04,"end":1674.54,"sentiment":"neutral","sentiment_score":0.040718115866184235}],"sentiment":"neutral","sentiment_score":0.040718115866184235,"channel":1,"num_words":1,"start":1674.04,"end":1674.54},{"sentences":[{"text":"could definitely change in the future.","start":1674.0549,"end":1675.575,"sentiment":"neutral","sentiment_score":0.08291405004759629}],"sentiment":"neutral","sentiment_score":0.08291405004759629,"channel":0,"num_words":6,"start":1674.0549,"end":1675.575},{"sentences":[{"text":"It'll","start":1675.48,"end":1675.8,"sentiment":"neutral","sentiment_score":0.04887832701206207}],"sentiment":"neutral","sentiment_score":0.04887832701206207,"channel":1,"num_words":1,"start":1675.48,"end":1675.8},{"sentences":[{"text":"Yeah.","start":1675.575,"end":1675.815,"sentiment":"neutral","sentiment_score":0.05547548830509186}],"sentiment":"neutral","sentiment_score":0.05547548830509186,"channel":0,"num_words":1,"start":1675.575,"end":1675.815},{"sentences":[{"text":"definitely","start":1675.8,"end":1676.2001,"sentiment":"neutral","sentiment_score":0.0657375305891037}],"sentiment":"neutral","sentiment_score":0.0657375305891037,"channel":1,"num_words":1,"start":1675.8,"end":1676.2001},{"sentences":[{"text":"That's","start":1675.815,"end":1676.0149,"sentiment":"neutral","sentiment_score":0.07482051849365234}],"sentiment":"neutral","sentiment_score":0.07482051849365234,"channel":0,"num_words":1,"start":1675.815,"end":1676.0149},{"sentences":[{"text":"go","start":1676.2001,"end":1676.36,"sentiment":"neutral","sentiment_score":0.07377052307128906}],"sentiment":"neutral","sentiment_score":0.07377052307128906,"channel":1,"num_words":1,"start":1676.2001,"end":1676.36},{"sentences":[{"text":"Absolutely.","start":1676.215,"end":1676.715,"sentiment":"neutral","sentiment_score":0.11375398933887482}],"sentiment":"neutral","sentiment_score":0.11375398933887482,"channel":0,"num_words":1,"start":1676.215,"end":1676.715},{"sentences":[{"text":"up.","start":1676.36,"end":1676.6,"sentiment":"neutral","sentiment_score":0.011905331164598463},{"text":"But, yeah, it's it's going.","start":1676.6,"end":1677.64,"sentiment":"neutral","sentiment_score":0.0716679073870182},{"text":"I can yeah.","start":1677.64,"end":1679.02,"sentiment":"neutral","sentiment_score":0.13386100778977075}],"sentiment":"neutral","sentiment_score":0.08575865460766686,"channel":1,"num_words":9,"start":1676.36,"end":1679.02},{"sentences":[{"text":"Yeah.","start":1679.735,"end":1680.135,"sentiment":"neutral","sentiment_score":0.2769728899002075},{"text":"Beautiful.","start":1680.135,"end":1680.615,"sentiment":"positive","sentiment_score":0.7224369645118713},{"text":"And with those shares, is the intention just to keep holding them until","start":1680.615,"end":1684.5349,"sentiment":"neutral","sentiment_score":0.15002959508162278}],"sentiment":"neutral","sentiment_score":0.19665297269821166,"channel":0,"num_words":15,"start":1679.735,"end":1684.5349},{"sentences":[{"text":"Yep.","start":1684.36,"end":1684.86,"sentiment":"neutral","sentiment_score":0.044033072888851166}],"sentiment":"neutral","sentiment_score":0.044033072888851166,"channel":1,"num_words":1,"start":1684.36,"end":1684.86},{"sentences":[{"text":"you need","start":1684.5349,"end":1685.015,"sentiment":"neutral","sentiment_score":0.014763887971639633}],"sentiment":"neutral","sentiment_score":0.014763887971639633,"channel":0,"num_words":2,"start":1684.5349,"end":1685.015},{"sentences":[{"text":"Just","start":1684.92,"end":1685.3201,"sentiment":"neutral","sentiment_score":0.013175582513213158}],"sentiment":"neutral","sentiment_score":0.013175582513213158,"channel":1,"num_words":1,"start":1684.92,"end":1685.3201},{"sentences":[{"text":"to sell","start":1685.015,"end":1685.4149,"sentiment":"neutral","sentiment_score":0.01109821442514658}],"sentiment":"neutral","sentiment_score":0.01109821442514658,"channel":0,"num_words":2,"start":1685.015,"end":1685.4149},{"sentences":[{"text":"keep.","start":1685.3201,"end":1685.8201,"sentiment":"neutral","sentiment_score":0.015083540230989456}],"sentiment":"neutral","sentiment_score":0.015083540230989456,"channel":1,"num_words":1,"start":1685.3201,"end":1685.8201},{"sentences":[{"text":"them down the track maybe in retirement?","start":1685.4149,"end":1687.195,"sentiment":"neutral","sentiment_score":0.020685669433857714}],"sentiment":"neutral","sentiment_score":0.020685669433857714,"channel":0,"num_words":7,"start":1685.4149,"end":1687.195},{"sentences":[{"text":"Yep.","start":1687.065,"end":1687.3049,"sentiment":"neutral","sentiment_score":0.03694101795554161},{"text":"Retirement.","start":1687.3049,"end":1687.8049,"sentiment":"neutral","sentiment_score":0.0280245840549469}],"sentiment":"neutral","sentiment_score":0.032482801005244255,"channel":1,"num_words":2,"start":1687.065,"end":1687.8049},{"sentences":[{"text":"Or","start":1687.32,"end":1687.82,"sentiment":"neutral","sentiment_score":0.030742747709155083}],"sentiment":"neutral","sentiment_score":0.030742747709155083,"channel":0,"num_words":1,"start":1687.32,"end":1687.82},{"sentences":[{"text":"Yep.","start":1688.105,"end":1688.605,"sentiment":"neutral","sentiment_score":0.057033948600292206}],"sentiment":"neutral","sentiment_score":0.057033948600292206,"channel":1,"num_words":1,"start":1688.105,"end":1688.605},{"sentences":[{"text":"yep.","start":1688.6,"end":1689.1,"sentiment":"neutral","sentiment_score":0.08956847339868546}],"sentiment":"neutral","sentiment_score":0.08956847339868546,"channel":0,"num_words":1,"start":1688.6,"end":1689.1},{"sentences":[{"text":"Because I'll keep","start":1688.665,"end":1689.625,"sentiment":"neutral","sentiment_score":0.12130074451367061}],"sentiment":"neutral","sentiment_score":0.12130074451367061,"channel":1,"num_words":3,"start":1688.665,"end":1689.625},{"sentences":[{"text":"Yep.","start":1689.3999,"end":1689.8999,"sentiment":"neutral","sentiment_score":0.11333225667476654}],"sentiment":"neutral","sentiment_score":0.11333225667476654,"channel":0,"num_words":1,"start":1689.3999,"end":1689.8999},{"sentences":[{"text":"growing and getting matched as long as I you know, if I work to 60, they'll keep matching them till I'm 60.","start":1689.625,"end":1694.985,"sentiment":"neutral","sentiment_score":0.11155021529306065},{"text":"So","start":1694.985,"end":1695.485,"sentiment":"neutral","sentiment_score":0.144057959318161}],"sentiment":"neutral","sentiment_score":0.11296359546806502,"channel":1,"num_words":23,"start":1689.625,"end":1695.485},{"sentences":[{"text":"Yep.","start":1695.5599,"end":1696.0599,"sentiment":"neutral","sentiment_score":0.3209773898124695},{"text":"Beautiful.","start":1696.2799,"end":1696.7799,"sentiment":"positive","sentiment_score":0.6522375345230103},{"text":"When we look at sort of those sorts of shares and things, realistically, selling them when you're younger, when you're still working, obviously, there's a CGT effect there for you.","start":1697.48,"end":1705.395,"sentiment":"neutral","sentiment_score":0.16354420483112336},{"text":"So if you can hold","start":1705.395,"end":1706.115,"sentiment":"neutral","sentiment_score":0.1518828257918358}],"sentiment":"neutral","sentiment_score":0.17943122157373945,"channel":0,"num_words":37,"start":1695.5599,"end":1706.115},{"sentences":[{"text":"Yep.","start":1705.96,"end":1706.46,"sentiment":"neutral","sentiment_score":0.16378559172153473}],"sentiment":"neutral","sentiment_score":0.16378559172153473,"channel":1,"num_words":1,"start":1705.96,"end":1706.46},{"sentences":[{"text":"on to them and don't have to sell them until you get to retirement, then we can look at a way to sell them in retirement.","start":1706.115,"end":1711.815,"sentiment":"neutral","sentiment_score":0.13441324405945265},{"text":"So you're hopefully on a lower tax rate, which can affect make the CGT lesser, and also","start":1711.955,"end":1717.4401,"sentiment":"neutral","sentiment_score":0.14654591263217084}],"sentiment":"neutral","sentiment_score":0.13920988047192262,"channel":0,"num_words":43,"start":1706.115,"end":1717.4401},{"sentences":[{"text":"Yep.","start":1717.2351,"end":1717.7351,"sentiment":"neutral","sentiment_score":0.12129512429237366}],"sentiment":"neutral","sentiment_score":0.12129512429237366,"channel":1,"num_words":1,"start":1717.2351,"end":1717.7351},{"sentences":[{"text":"maybe selling them down in increments so that we can do it in proportions as well.","start":1717.4401,"end":1721.92,"sentiment":"neutral","sentiment_score":0.15949378488585353},{"text":"So down the track when that comes, we can always help them look at that for you.","start":1721.92,"end":1725.7001,"sentiment":"neutral","sentiment_score":0.15554623042835908},{"text":"Okay?","start":1725.8401,"end":1726.3401,"sentiment":"neutral","sentiment_score":0.1455305516719818},{"text":"Excellent.","start":1727.705,"end":1728.205,"sentiment":"positive","sentiment_score":0.5941656827926636},{"text":"Beautiful.","start":1728.345,"end":1728.845,"sentiment":"positive","sentiment_score":0.601459264755249}],"sentiment":"neutral","sentiment_score":0.18159283262987932,"channel":0,"num_words":36,"start":1717.4401,"end":1728.845},{"sentences":[{"text":"So I've got everything basically here.","start":1729.385,"end":1731.545,"sentiment":"neutral","sentiment_score":0.15141243239243826},{"text":"You mentioned, sorry, with the Willumburn unit.","start":1731.545,"end":1733.705,"sentiment":"neutral","sentiment_score":-0.0011206391666616713},{"text":"Now that isn't a will.","start":1733.705,"end":1735.085,"sentiment":"neutral","sentiment_score":-0.0721321500837803},{"text":"There's no","start":1736.425,"end":1737.145,"sentiment":"neutral","sentiment_score":-0.07822807878255844}],"sentiment":"neutral","sentiment_score":0.019175660610198975,"channel":0,"num_words":20,"start":1729.385,"end":1737.145},{"sentences":[{"text":"Yep.","start":1736.87,"end":1737.37,"sentiment":"neutral","sentiment_score":-0.07994204014539719}],"sentiment":"neutral","sentiment_score":-0.07994204014539719,"channel":1,"num_words":1,"start":1736.87,"end":1737.37},{"sentences":[{"text":"kind of what happens to that property when your parents pass away, and I'm sorry to sort of touch on that.","start":1737.145,"end":1743.5599,"sentiment":"neutral","sentiment_score":-0.09446032487210773}],"sentiment":"neutral","sentiment_score":-0.09446032487210773,"channel":0,"num_words":21,"start":1737.145,"end":1743.5599},{"sentences":[{"text":"Yeah.","start":1743.845,"end":1744.345,"sentiment":"neutral","sentiment_score":0.008343970403075218}],"sentiment":"neutral","sentiment_score":0.008343970403075218,"channel":1,"num_words":1,"start":1743.845,"end":1744.345},{"sentences":[{"text":"Is the intention to then keep it and rent it out, or what sort of is meant to happen to that in the future?","start":1743.86,"end":1748.9199,"sentiment":"neutral","sentiment_score":-0.007680042569215099}],"sentiment":"neutral","sentiment_score":-0.007680042569215099,"channel":0,"num_words":24,"start":1743.86,"end":1748.9199},{"sentences":[{"text":"We'd probably sell it.","start":1749.205,"end":1750.125,"sentiment":"neutral","sentiment_score":-0.06462658196687698},{"text":"I think we'd sell it depending on, you","start":1750.125,"end":1752.39,"sentiment":"neutral","sentiment_score":-0.01794272381812334}],"sentiment":"neutral","sentiment_score":-0.033504009867707886,"channel":1,"num_words":12,"start":1749.205,"end":1752.39},{"sentences":[{"text":"Yes.","start":1752.1,"end":1752.6,"sentiment":"neutral","sentiment_score":0.001031622290611267}],"sentiment":"neutral","sentiment_score":0.001031622290611267,"channel":0,"num_words":1,"start":1752.1,"end":1752.6},{"sentences":[{"text":"know, what was going on with us.","start":1752.47,"end":1753.67,"sentiment":"neutral","sentiment_score":-0.04620802349277905},{"text":"If we were not well and had to downgrade at home, we'd just probably leave leave it and sell this one.","start":1753.67,"end":1758.15,"sentiment":"neutral","sentiment_score":-0.09771351906515303},{"text":"But","start":1758.15,"end":1758.63,"sentiment":"neutral","sentiment_score":0.021136101335287098}],"sentiment":"neutral","sentiment_score":-0.08118289529249587,"channel":1,"num_words":29,"start":1752.47,"end":1758.63},{"sentences":[{"text":"Yes.","start":1758.34,"end":1758.645,"sentiment":"neutral","sentiment_score":0.06900295615196228}],"sentiment":"neutral","sentiment_score":0.06900295615196228,"channel":0,"num_words":1,"start":1758.34,"end":1758.645},{"sentences":[{"text":"I the intention at at this stage, if all is going good, we'll just sell it.","start":1758.63,"end":1762.41,"sentiment":"neutral","sentiment_score":0.017897486919537187}],"sentiment":"neutral","sentiment_score":0.017897486919537187,"channel":1,"num_words":16,"start":1758.63,"end":1762.41},{"sentences":[{"text":"Okay.","start":1763.045,"end":1763.545,"sentiment":"neutral","sentiment_score":0.03818338364362717},{"text":"So possibility to sell in the future.","start":1764.165,"end":1766.905,"sentiment":"neutral","sentiment_score":0.02895721686737878}],"sentiment":"neutral","sentiment_score":0.030110487714409828,"channel":0,"num_words":8,"start":1763.045,"end":1766.905},{"sentences":[{"text":"Yeah.","start":1767.59,"end":1767.99,"sentiment":"neutral","sentiment_score":0.07516412436962128},{"text":"Yeah.","start":1767.99,"end":1768.335,"sentiment":"neutral","sentiment_score":0.08395339548587799},{"text":"Most likely.","start":1768.4149,"end":1769.235,"sentiment":"neutral","sentiment_score":0.0908120647072792}],"sentiment":"neutral","sentiment_score":0.08518541231751442,"channel":1,"num_words":4,"start":1767.59,"end":1769.235},{"sentences":[{"text":"That's a long time in the future.","start":1768.885,"end":1771.125,"sentiment":"neutral","sentiment_score":0.12026284209319524},{"text":"Your parents have a nice long life ahead of them.","start":1771.125,"end":1773.74,"sentiment":"neutral","sentiment_score":0.2740794956684113},{"text":"That's","start":1773.74,"end":1773.98,"sentiment":"neutral","sentiment_score":0.2876405417919159}],"sentiment":"neutral","sentiment_score":0.21501529961824417,"channel":0,"num_words":18,"start":1768.885,"end":1773.98},{"sentences":[{"text":"Exactly.","start":1773.7749,"end":1774.2749,"sentiment":"neutral","sentiment_score":0.312926322221756}],"sentiment":"neutral","sentiment_score":0.312926322221756,"channel":1,"num_words":1,"start":1773.7749,"end":1774.2749},{"sentences":[{"text":"what we want.","start":1773.98,"end":1774.88,"sentiment":"neutral","sentiment_score":0.2748406082391739}],"sentiment":"neutral","sentiment_score":0.2748406082391739,"channel":0,"num_words":3,"start":1773.98,"end":1774.88},{"sentences":[{"text":"So to speak.","start":1774.575,"end":1775.475,"sentiment":"neutral","sentiment_score":0.09093915671110153},{"text":"But they are","start":1776.1749,"end":1777.0549,"sentiment":"neutral","sentiment_score":0.2343904972076416}],"sentiment":"neutral","sentiment_score":0.16266482695937157,"channel":1,"num_words":6,"start":1774.575,"end":1777.0549},{"sentences":[{"text":"Beautiful.","start":1776.62,"end":1777.12,"sentiment":"neutral","sentiment_score":0.1121671348810196}],"sentiment":"neutral","sentiment_score":0.1121671348810196,"channel":0,"num_words":1,"start":1776.62,"end":1777.12},{"sentences":[{"text":"70 my dad's 78, and my mom's 77.","start":1777.0549,"end":1780.6549,"sentiment":"neutral","sentiment_score":0.012624628143385053},{"text":"So, you","start":1780.6549,"end":1782.1699,"sentiment":"neutral","sentiment_score":0.0168110691010952}],"sentiment":"neutral","sentiment_score":0.013461916334927082,"channel":1,"num_words":10,"start":1777.0549,"end":1782.1699},{"sentences":[{"text":"Yep.","start":1781.74,"end":1782.24,"sentiment":"neutral","sentiment_score":0.011428690515458584}],"sentiment":"neutral","sentiment_score":0.011428690515458584,"channel":0,"num_words":1,"start":1781.74,"end":1782.24},{"sentences":[{"text":"know","start":1782.3899,"end":1782.7899,"sentiment":"neutral","sentiment_score":0.008260728791356087}],"sentiment":"neutral","sentiment_score":0.008260728791356087,"channel":1,"num_words":1,"start":1782.3899,"end":1782.7899},{"sentences":[{"text":"Yep.","start":1782.86,"end":1783.11,"sentiment":"neutral","sentiment_score":0.013967121951282024}],"sentiment":"neutral","sentiment_score":0.013967121951282024,"channel":0,"num_words":1,"start":1782.86,"end":1783.11},{"sentences":[{"text":"yeah.","start":1783.0299,"end":1783.5299,"sentiment":"neutral","sentiment_score":0.02177168056368828}],"sentiment":"neutral","sentiment_score":0.02177168056368828,"channel":1,"num_words":1,"start":1783.0299,"end":1783.5299},{"sentences":[{"text":"Yep.","start":1783.11,"end":1783.61,"sentiment":"neutral","sentiment_score":0.023541100323200222},{"text":"No.","start":1784.4349,"end":1784.755,"sentiment":"neutral","sentiment_score":0.015931276604533195},{"text":"That's okay.","start":1784.755,"end":1785.5549,"sentiment":"neutral","sentiment_score":0.105068139731884},{"text":"Not a problem at all.","start":1785.5549,"end":1786.835,"sentiment":"neutral","sentiment_score":0.3303107738494873},{"text":"Excellent.","start":1786.835,"end":1787.235,"sentiment":"positive","sentiment_score":0.7014422416687012}],"sentiment":"neutral","sentiment_score":0.2602604767307639,"channel":0,"num_words":10,"start":1783.11,"end":1787.235},{"sentences":[{"text":"Well, thank you for updating those.","start":1787.235,"end":1788.9349,"sentiment":"positive","sentiment_score":0.6161314646402994},{"text":"Now just sort of re going back to the estate planning side of things, last time we sort of touched base with both of you, both confirmed you had an upstate will and power of attorneys.","start":1789.7949,"end":1799.0901,"sentiment":"neutral","sentiment_score":0.10230886770619287},{"text":"Do those documents, have they been reviewed in the past?","start":1799.31,"end":1802.2101,"sentiment":"neutral","sentiment_score":0.025975496973842382},{"text":"Are they still do do you know are they still reflective of your current circumstances?","start":1802.27,"end":1806.61,"sentiment":"neutral","sentiment_score":0.005651443699995677},{"text":"Do you feel like they need to be updated at","start":1806.8301,"end":1808.955,"sentiment":"neutral","sentiment_score":-0.030080820433795452}],"sentiment":"neutral","sentiment_score":0.0964107330670798,"channel":0,"num_words":77,"start":1787.235,"end":1808.955},{"sentences":[{"text":"No.","start":1809.53,"end":1809.77,"sentiment":"neutral","sentiment_score":-0.08844855427742004},{"text":"That they won't","start":1809.77,"end":1810.57,"sentiment":"neutral","sentiment_score":-0.09192399432261784}],"sentiment":"neutral","sentiment_score":-0.0910551343113184,"channel":1,"num_words":4,"start":1809.53,"end":1810.57},{"sentences":[{"text":"all?","start":1810.315,"end":1810.815,"sentiment":"neutral","sentiment_score":-0.07334908843040466}],"sentiment":"neutral","sentiment_score":-0.07334908843040466,"channel":0,"num_words":1,"start":1810.315,"end":1810.815},{"sentences":[{"text":"change ever.","start":1810.57,"end":1811.29,"sentiment":"neutral","sentiment_score":-0.05011972784996033},{"text":"It's everything goes","start":1811.29,"end":1812.33,"sentiment":"neutral","sentiment_score":-0.012986094380418459}],"sentiment":"neutral","sentiment_score":-0.027839547768235207,"channel":1,"num_words":5,"start":1810.57,"end":1812.33},{"sentences":[{"text":"Nope.","start":1812.235,"end":1812.735,"sentiment":"neutral","sentiment_score":-0.09035831689834596}],"sentiment":"neutral","sentiment_score":-0.09035831689834596,"channel":0,"num_words":1,"start":1812.235,"end":1812.735},{"sentences":[{"text":"to our daughter and me.","start":1812.33,"end":1813.87,"sentiment":"neutral","sentiment_score":-0.0736582949757576}],"sentiment":"neutral","sentiment_score":-0.0736582949757576,"channel":1,"num_words":5,"start":1812.33,"end":1813.87},{"sentences":[{"text":"Yes?","start":1813.835,"end":1814.335,"sentiment":"neutral","sentiment_score":-0.00030110031366348267}],"sentiment":"neutral","sentiment_score":-0.00030110031366348267,"channel":0,"num_words":1,"start":1813.835,"end":1814.335},{"sentences":[{"text":"So me.","start":1814.1699,"end":1814.99,"sentiment":"neutral","sentiment_score":-0.01350110350176692},{"text":"So that will never","start":1815.0499,"end":1816.1699,"sentiment":"neutral","sentiment_score":-0.018868591636419296}],"sentiment":"neutral","sentiment_score":-0.017079428924868505,"channel":1,"num_words":6,"start":1814.1699,"end":1816.1699},{"sentences":[{"text":"Beautiful.","start":1816.075,"end":1816.575,"sentiment":"neutral","sentiment_score":0.05384436249732971}],"sentiment":"neutral","sentiment_score":0.05384436249732971,"channel":0,"num_words":1,"start":1816.075,"end":1816.575},{"sentences":[{"text":"change.","start":1816.1699,"end":1816.6699,"sentiment":"neutral","sentiment_score":0.041107140481472015}],"sentiment":"neutral","sentiment_score":0.041107140481472015,"channel":1,"num_words":1,"start":1816.1699,"end":1816.6699},{"sentences":[{"text":"No.","start":1816.955,"end":1817.355,"sentiment":"neutral","sentiment_score":0.02031244710087776}],"sentiment":"neutral","sentiment_score":0.02031244710087776,"channel":0,"num_words":1,"start":1816.955,"end":1817.355},{"sentences":[{"text":"We only","start":1817.13,"end":1817.53,"sentiment":"neutral","sentiment_score":0.10241112858057022}],"sentiment":"neutral","sentiment_score":0.10241112858057022,"channel":1,"num_words":2,"start":1817.13,"end":1817.53},{"sentences":[{"text":"Beautiful.","start":1817.355,"end":1817.755,"sentiment":"neutral","sentiment_score":0.30139410495758057}],"sentiment":"neutral","sentiment_score":0.30139410495758057,"channel":0,"num_words":1,"start":1817.355,"end":1817.755},{"sentences":[{"text":"have one","start":1817.53,"end":1817.9299,"sentiment":"neutral","sentiment_score":0.260245606303215}],"sentiment":"neutral","sentiment_score":0.260245606303215,"channel":1,"num_words":2,"start":1817.53,"end":1817.9299},{"sentences":[{"text":"I","start":1817.755,"end":1818.255,"sentiment":"neutral","sentiment_score":0.24748489260673523}],"sentiment":"neutral","sentiment_score":0.24748489260673523,"channel":0,"num_words":1,"start":1817.755,"end":1818.255},{"sentences":[{"text":"child.","start":1817.9299,"end":1818.1699,"sentiment":"neutral","sentiment_score":0.2999091148376465},{"text":"It's easy.","start":1818.1699,"end":1818.91,"sentiment":"positive","sentiment_score":0.49766863882541656}],"sentiment":"positive","sentiment_score":0.43174879749615985,"channel":1,"num_words":3,"start":1817.9299,"end":1818.91},{"sentences":[{"text":"love that.","start":1819.6749,"end":1820.575,"sentiment":"positive","sentiment_score":0.6663388609886169}],"sentiment":"positive","sentiment_score":0.6663388609886169,"channel":0,"num_words":2,"start":1819.6749,"end":1820.575},{"sentences":[{"text":"We made it so it was just, like, no matter what, it was just either me or Katie.","start":1827.505,"end":1832.385,"sentiment":"neutral","sentiment_score":0.2911221956213315},{"text":"So that was just yeah.","start":1832.385,"end":1833.985,"sentiment":"neutral","sentiment_score":0.2553298771381378},{"text":"Didn't have to change it later, and she could","start":1833.985,"end":1835.745,"sentiment":"neutral","sentiment_score":0.13548589911725786}],"sentiment":"neutral","sentiment_score":0.2417569374665618,"channel":1,"num_words":32,"start":1827.505,"end":1835.745},{"sentences":[{"text":"Yeah.","start":1835.56,"end":1836.06,"sentiment":"neutral","sentiment_score":0.07879243791103363}],"sentiment":"neutral","sentiment_score":0.07879243791103363,"channel":0,"num_words":1,"start":1835.56,"end":1836.06},{"sentences":[{"text":"look after any","start":1835.745,"end":1836.465,"sentiment":"neutral","sentiment_score":0.08621090153853099}],"sentiment":"neutral","sentiment_score":0.08621090153853099,"channel":1,"num_words":3,"start":1835.745,"end":1836.465},{"sentences":[{"text":"Lovely.","start":1836.36,"end":1836.645,"sentiment":"neutral","sentiment_score":0.15997961163520813}],"sentiment":"neutral","sentiment_score":0.15997961163520813,"channel":0,"num_words":1,"start":1836.36,"end":1836.645},{"sentences":[{"text":"distribution.","start":1836.465,"end":1836.965,"sentiment":"neutral","sentiment_score":0.12306323647499084}],"sentiment":"neutral","sentiment_score":0.12306323647499084,"channel":1,"num_words":1,"start":1836.465,"end":1836.965},{"sentences":[{"text":"Yeah.","start":1838.005,"end":1838.505,"sentiment":"neutral","sentiment_score":0.1617312729358673},{"text":"Lovely.","start":1838.5651,"end":1839.0651,"sentiment":"positive","sentiment_score":0.4212181270122528},{"text":"Excellent.","start":1839.125,"end":1839.625,"sentiment":"positive","sentiment_score":0.49819380044937134},{"text":"All good.","start":1839.925,"end":1840.665,"sentiment":"positive","sentiment_score":0.4577208310365677},{"text":"And now your daughter, she is is she older than 18 or under 18?","start":1841.285,"end":1845.525,"sentiment":"neutral","sentiment_score":0.04033325958464827}],"sentiment":"neutral","sentiment_score":0.13480265771872119,"channel":0,"num_words":19,"start":1838.005,"end":1845.525},{"sentences":[{"text":"How old is she?","start":1845.525,"end":1846.665,"sentiment":"neutral","sentiment_score":0.003700762754306197}],"sentiment":"neutral","sentiment_score":0.003700762754306197,"channel":0,"num_words":4,"start":1845.525,"end":1846.665},{"sentences":[{"text":"She's 28.","start":1846.55,"end":1847.93,"sentiment":"neutral","sentiment_score":0.015451631508767603}],"sentiment":"neutral","sentiment_score":0.015451631508767603,"channel":1,"num_words":2,"start":1846.55,"end":1847.93},{"sentences":[{"text":"28.","start":1848.5651,"end":1849.2051,"sentiment":"neutral","sentiment_score":0.05296169593930245},{"text":"Beautiful.","start":1849.2051,"end":1849.685,"sentiment":"neutral","sentiment_score":0.30700773000717163},{"text":"Working nontax nonfinancial dependent.","start":1849.685,"end":1852.03,"sentiment":"neutral","sentiment_score":0.1411784626543522},{"text":"Do you guys still help her in any way?","start":1852.03,"end":1854.09,"sentiment":"neutral","sentiment_score":0.09133794572618273}],"sentiment":"neutral","sentiment_score":0.11644831920663516,"channel":0,"num_words":15,"start":1848.5651,"end":1854.09},{"sentences":[{"text":"No.","start":1854.475,"end":1854.7949,"sentiment":"neutral","sentiment_score":-0.022344740107655525},{"text":"She's she's fully depend yeah.","start":1854.7949,"end":1856.5549,"sentiment":"neutral","sentiment_score":0.015260010771453381},{"text":"Independent herself.","start":1856.5549,"end":1857.7749,"sentiment":"neutral","sentiment_score":0.03623731806874275}],"sentiment":"neutral","sentiment_score":0.01580374373588711,"channel":1,"num_words":8,"start":1854.475,"end":1857.7749},{"sentences":[{"text":"Independent?","start":1857.83,"end":1858.33,"sentiment":"neutral","sentiment_score":0.03866240754723549}],"sentiment":"neutral","sentiment_score":0.03866240754723549,"channel":0,"num_words":1,"start":1857.83,"end":1858.33},{"sentences":[{"text":"She's got a husband","start":1858.075,"end":1859.0349,"sentiment":"neutral","sentiment_score":0.10157715342938899}],"sentiment":"neutral","sentiment_score":0.10157715342938899,"channel":1,"num_words":4,"start":1858.075,"end":1859.0349},{"sentences":[{"text":"Lovely.","start":1858.79,"end":1859.29,"sentiment":"neutral","sentiment_score":0.23589831590652463}],"sentiment":"neutral","sentiment_score":0.23589831590652463,"channel":0,"num_words":1,"start":1858.79,"end":1859.29},{"sentences":[{"text":"and and a grand and given us a grandchild and","start":1859.0349,"end":1861.9349,"sentiment":"neutral","sentiment_score":0.1326152365654707}],"sentiment":"neutral","sentiment_score":0.1326152365654707,"channel":1,"num_words":10,"start":1859.0349,"end":1861.9349},{"sentences":[{"text":"Oh, beautiful.","start":1862.95,"end":1863.53,"sentiment":"neutral","sentiment_score":0.3091017156839371}],"sentiment":"neutral","sentiment_score":0.3091017156839371,"channel":0,"num_words":2,"start":1862.95,"end":1863.53},{"sentences":[{"text":"yeah.","start":1864.5549,"end":1865.0549,"sentiment":"neutral","sentiment_score":0.1387542337179184}],"sentiment":"neutral","sentiment_score":0.1387542337179184,"channel":1,"num_words":1,"start":1864.5549,"end":1865.0549},{"sentences":[{"text":"Rancho.","start":1864.71,"end":1865.21,"sentiment":"neutral","sentiment_score":0.15058128535747528},{"text":"Excellent.","start":1865.735,"end":1866.235,"sentiment":"neutral","sentiment_score":0.2107623666524887},{"text":"Do you have","start":1866.4551,"end":1866.935,"sentiment":"neutral","sentiment_score":0.02011762714634339}],"sentiment":"neutral","sentiment_score":0.08433930668979883,"channel":0,"num_words":5,"start":1864.71,"end":1866.935},{"sentences":[{"text":"We're","start":1866.89,"end":1867.13,"sentiment":"neutral","sentiment_score":0.005565430037677288}],"sentiment":"neutral","sentiment_score":0.005565430037677288,"channel":1,"num_words":1,"start":1866.89,"end":1867.13},{"sentences":[{"text":"a boy,","start":1866.935,"end":1867.415,"sentiment":"neutral","sentiment_score":-0.035742723383009434}],"sentiment":"neutral","sentiment_score":-0.035742723383009434,"channel":0,"num_words":2,"start":1866.935,"end":1867.415},{"sentences":[{"text":"afraid.","start":1867.13,"end":1867.63,"sentiment":"neutral","sentiment_score":-0.03345891088247299}],"sentiment":"neutral","sentiment_score":-0.03345891088247299,"channel":1,"num_words":1,"start":1867.13,"end":1867.63},{"sentences":[{"text":"girl?","start":1867.415,"end":1867.915,"sentiment":"neutral","sentiment_score":-0.01407626923173666}],"sentiment":"neutral","sentiment_score":-0.01407626923173666,"channel":0,"num_words":1,"start":1867.415,"end":1867.915},{"sentences":[{"text":"Oh, boy.","start":1868.57,"end":1869.23,"sentiment":"neutral","sentiment_score":-0.035426752641797066}],"sentiment":"neutral","sentiment_score":-0.035426752641797066,"channel":1,"num_words":2,"start":1868.57,"end":1869.23},{"sentences":[{"text":"No.","start":1870.375,"end":1870.775,"sentiment":"neutral","sentiment_score":-0.07294799387454987},{"text":"No.","start":1870.775,"end":1871.0951,"sentiment":"neutral","sentiment_score":-0.09685677289962769},{"text":"So I'm quite not.","start":1871.0951,"end":1872.135,"sentiment":"neutral","sentiment_score":-0.10338426381349564},{"text":"I've got my eldest two, 19 and 20, and my youngest is 10, so we're not quite","start":1872.135,"end":1877.495,"sentiment":"neutral","sentiment_score":0.002050749587771647}],"sentiment":"neutral","sentiment_score":-0.023846916479827916,"channel":0,"num_words":23,"start":1870.375,"end":1877.495},{"sentences":[{"text":"Oh.","start":1877.21,"end":1877.71,"sentiment":"neutral","sentiment_score":-0.01831590011715889}],"sentiment":"neutral","sentiment_score":-0.01831590011715889,"channel":1,"num_words":1,"start":1877.21,"end":1877.71},{"sentences":[{"text":"there yet.","start":1877.495,"end":1878.03,"sentiment":"neutral","sentiment_score":-0.0207308791577816},{"text":"We had a third a few years apart.","start":1878.11,"end":1880.29,"sentiment":"neutral","sentiment_score":0.042395226657390594},{"text":"But he is honestly really cool.","start":1881.0701,"end":1882.8301,"sentiment":"positive","sentiment_score":0.45791468024253845},{"text":"I kind of like the boy as well as having girls.","start":1882.8301,"end":1885.55,"sentiment":"neutral","sentiment_score":0.26956911385059357},{"text":"It's a very different vibe.","start":1885.55,"end":1887.17,"sentiment":"neutral","sentiment_score":0.03152957782149315}],"sentiment":"neutral","sentiment_score":0.1927530086832121,"channel":0,"num_words":32,"start":1877.495,"end":1887.17},{"sentences":[{"text":"Yeah.","start":1888.095,"end":1888.595,"sentiment":"neutral","sentiment_score":0.03713614121079445}],"sentiment":"neutral","sentiment_score":0.03713614121079445,"channel":1,"num_words":1,"start":1888.095,"end":1888.595},{"sentences":[{"text":"No.","start":1889.55,"end":1889.79,"sentiment":"neutral","sentiment_score":0.0016265623271465302}],"sentiment":"neutral","sentiment_score":0.0016265623271465302,"channel":0,"num_words":1,"start":1889.55,"end":1889.79},{"sentences":[{"text":"Very,","start":1889.775,"end":1890.095,"sentiment":"neutral","sentiment_score":0.11956337094306946}],"sentiment":"neutral","sentiment_score":0.11956337094306946,"channel":1,"num_words":1,"start":1889.775,"end":1890.095},{"sentences":[{"text":"That's beautiful.","start":1889.79,"end":1890.525,"sentiment":"neutral","sentiment_score":0.28873251378536224}],"sentiment":"neutral","sentiment_score":0.28873251378536224,"channel":0,"num_words":2,"start":1889.79,"end":1890.525},{"sentences":[{"text":"very different vibe.","start":1890.095,"end":1891.3151,"sentiment":"neutral","sentiment_score":0.059579829374949135}],"sentiment":"neutral","sentiment_score":0.059579829374949135,"channel":1,"num_words":3,"start":1890.095,"end":1891.3151},{"sentences":[{"text":"Yeah.","start":1892.925,"end":1893.165,"sentiment":"neutral","sentiment_score":0.09253059327602386},{"text":"How do you like being grandparents?","start":1893.165,"end":1894.7051,"sentiment":"neutral","sentiment_score":0.11593281601866086},{"text":"I've always sort of thought, like, I'm sure that's coming up in the horizon for me, but how do you guys feel being grandparents?","start":1895.005,"end":1900.305,"sentiment":"neutral","sentiment_score":0.07610249565914273},{"text":"How do you like it?","start":1900.365,"end":1901.165,"sentiment":"neutral","sentiment_score":0.22280088663101197},{"text":"What's the","start":1901.165,"end":1901.905,"sentiment":"neutral","sentiment_score":0.11331850662827492}],"sentiment":"neutral","sentiment_score":0.10408496925313222,"channel":0,"num_words":38,"start":1892.925,"end":1901.905},{"sentences":[{"text":"It's","start":1902.13,"end":1902.5299,"sentiment":"neutral","sentiment_score":0.3226754665374756}],"sentiment":"neutral","sentiment_score":0.3226754665374756,"channel":1,"num_words":1,"start":1902.13,"end":1902.5299},{"sentences":[{"text":"the","start":1902.4451,"end":1902.605,"sentiment":"positive","sentiment_score":0.34335872530937195}],"sentiment":"positive","sentiment_score":0.34335872530937195,"channel":0,"num_words":1,"start":1902.4451,"end":1902.605},{"sentences":[{"text":"way","start":1902.5299,"end":1902.7699,"sentiment":"positive","sentiment_score":0.40020138025283813}],"sentiment":"positive","sentiment_score":0.40020138025283813,"channel":1,"num_words":1,"start":1902.5299,"end":1902.7699},{"sentences":[{"text":"vibe","start":1902.605,"end":1903.005,"sentiment":"positive","sentiment_score":0.37192386388778687}],"sentiment":"positive","sentiment_score":0.37192386388778687,"channel":0,"num_words":1,"start":1902.605,"end":1903.005},{"sentences":[{"text":"more fun","start":1902.7699,"end":1903.1699,"sentiment":"positive","sentiment_score":0.3461812436580658}],"sentiment":"positive","sentiment_score":0.3461812436580658,"channel":1,"num_words":2,"start":1902.7699,"end":1903.1699},{"sentences":[{"text":"feel?","start":1903.005,"end":1903.505,"sentiment":"neutral","sentiment_score":0.3031145930290222}],"sentiment":"neutral","sentiment_score":0.3031145930290222,"channel":0,"num_words":1,"start":1903.005,"end":1903.505},{"sentences":[{"text":"than being a parent.","start":1903.1699,"end":1904.3099,"sentiment":"neutral","sentiment_score":0.1944216713309288},{"text":"Way more","start":1904.69,"end":1905.25,"sentiment":"positive","sentiment_score":0.4608331322669983}],"sentiment":"neutral","sentiment_score":0.28322549164295197,"channel":1,"num_words":6,"start":1903.1699,"end":1905.25},{"sentences":[{"text":"I","start":1905.165,"end":1905.405,"sentiment":"positive","sentiment_score":0.5915752649307251}],"sentiment":"positive","sentiment_score":0.5915752649307251,"channel":0,"num_words":1,"start":1905.165,"end":1905.405},{"sentences":[{"text":"fun.","start":1905.25,"end":1905.73,"sentiment":"positive","sentiment_score":0.5673291683197021}],"sentiment":"positive","sentiment_score":0.5673291683197021,"channel":1,"num_words":1,"start":1905.25,"end":1905.73},{"sentences":[{"text":"bet.","start":1905.405,"end":1905.905,"sentiment":"positive","sentiment_score":0.4618980586528778}],"sentiment":"positive","sentiment_score":0.4618980586528778,"channel":0,"num_words":1,"start":1905.405,"end":1905.905},{"sentences":[{"text":"It's way better.","start":1905.73,"end":1906.87,"sentiment":"positive","sentiment_score":0.5154688954353333},{"text":"Yeah.","start":1907.0099,"end":1907.385,"sentiment":"neutral","sentiment_score":0.19649693369865415},{"text":"It's it's","start":1907.465,"end":1908.185,"sentiment":"neutral","sentiment_score":0.12406400963664055}],"sentiment":"neutral","sentiment_score":0.3318386065463225,"channel":1,"num_words":6,"start":1905.73,"end":1908.185},{"sentences":[{"text":"Oh, you","start":1907.8201,"end":1908.22,"sentiment":"neutral","sentiment_score":0.27849075198173523}],"sentiment":"neutral","sentiment_score":0.27849075198173523,"channel":0,"num_words":2,"start":1907.8201,"end":1908.22},{"sentences":[{"text":"way","start":1908.185,"end":1908.425,"sentiment":"neutral","sentiment_score":0.2384016513824463}],"sentiment":"neutral","sentiment_score":0.2384016513824463,"channel":1,"num_words":1,"start":1908.185,"end":1908.425},{"sentences":[{"text":"get to","start":1908.22,"end":1908.46,"sentiment":"neutral","sentiment_score":0.20625555515289307}],"sentiment":"neutral","sentiment_score":0.20625555515289307,"channel":0,"num_words":2,"start":1908.22,"end":1908.46},{"sentences":[{"text":"better.","start":1908.425,"end":1908.925,"sentiment":"neutral","sentiment_score":0.17190349102020264}],"sentiment":"neutral","sentiment_score":0.17190349102020264,"channel":1,"num_words":1,"start":1908.425,"end":1908.925},{"sentences":[{"text":"say yes.","start":1908.46,"end":1909.2001,"sentiment":"neutral","sentiment_score":0.13923915475606918}],"sentiment":"neutral","sentiment_score":0.13923915475606918,"channel":0,"num_words":2,"start":1908.46,"end":1909.2001},{"sentences":[{"text":"Yes.","start":1909.9451,"end":1910.4451,"sentiment":"neutral","sentiment_score":0.20704619586467743},{"text":"You get to just you don't have to be the the rule enforcer or any of that.","start":1910.505,"end":1915.625,"sentiment":"neutral","sentiment_score":0.2216585892088273},{"text":"You get to give them back, and you get all the love.","start":1915.625,"end":1918.045,"sentiment":"positive","sentiment_score":0.4073664918541908}],"sentiment":"neutral","sentiment_score":0.2954546704888344,"channel":1,"num_words":30,"start":1909.9451,"end":1918.045},{"sentences":[{"text":"Oh, I love that.","start":1918.7001,"end":1919.74,"sentiment":"positive","sentiment_score":0.337882824242115},{"text":"You get to say yes all the time when mom would probably say no.","start":1919.74,"end":1922.825,"sentiment":"neutral","sentiment_score":0.15435043456298964}],"sentiment":"neutral","sentiment_score":0.19513541004723972,"channel":0,"num_words":18,"start":1918.7001,"end":1922.825},{"sentences":[{"text":"Yep.","start":1922.35,"end":1922.85,"sentiment":"neutral","sentiment_score":0.1307651698589325},{"text":"Exactly.","start":1923.31,"end":1923.81,"sentiment":"neutral","sentiment_score":0.26426827907562256}],"sentiment":"neutral","sentiment_score":0.19751672446727753,"channel":1,"num_words":2,"start":1922.35,"end":1923.81},{"sentences":[{"text":"Oh, that is absolutely beautiful.","start":1924.885,"end":1926.825,"sentiment":"positive","sentiment_score":0.7235485196113587},{"text":"I love that.","start":1926.885,"end":1927.5249,"sentiment":"positive","sentiment_score":0.8440982699394226},{"text":"That's fantastic.","start":1927.5249,"end":1928.345,"sentiment":"positive","sentiment_score":0.8244686126708984},{"text":"And beneficiary wise, in the event of passing, am I correct in assuming that if anything happened to either of you that you just want each other to receive the","start":1929.5249,"end":1938.4,"sentiment":"neutral","sentiment_score":0.10407346573968729}],"sentiment":"neutral","sentiment_score":0.2730294651351869,"channel":0,"num_words":40,"start":1924.885,"end":1938.4},{"sentences":[{"text":"Yes.","start":1938.3551,"end":1938.8551,"sentiment":"neutral","sentiment_score":0.07538539171218872}],"sentiment":"neutral","sentiment_score":0.07538539171218872,"channel":1,"num_words":1,"start":1938.3551,"end":1938.8551},{"sentences":[{"text":"super benefits and any life portions paid out.","start":1938.4,"end":1941.04,"sentiment":"neutral","sentiment_score":0.0734997745603323},{"text":"Is that correct?","start":1941.04,"end":1941.86,"sentiment":"neutral","sentiment_score":0.07504018644491832},{"text":"Yep.","start":1943.28,"end":1943.68,"sentiment":"neutral","sentiment_score":0.1062772199511528},{"text":"Beautiful.","start":1943.68,"end":1944.0801,"sentiment":"neutral","sentiment_score":0.286864310503006},{"text":"I know I had all of this in your last two advice documents,","start":1944.0801,"end":1947.06,"sentiment":"neutral","sentiment_score":0.0774016953431643}],"sentiment":"neutral","sentiment_score":0.08509547406664261,"channel":0,"num_words":26,"start":1938.4,"end":1947.06},{"sentences":[{"text":"Yeah.","start":1946.995,"end":1947.495,"sentiment":"neutral","sentiment_score":0.03620852157473564}],"sentiment":"neutral","sentiment_score":0.03620852157473564,"channel":1,"num_words":1,"start":1946.995,"end":1947.495},{"sentences":[{"text":"but because I'm doing it again, I'm gonna update all those aspects as well.","start":1947.12,"end":1951.2001,"sentiment":"neutral","sentiment_score":0.05046293618423598},{"text":"So this will be a pretty big advice piece, but that's absolutely","start":1951.2001,"end":1954.235,"sentiment":"neutral","sentiment_score":0.04802814560631911}],"sentiment":"neutral","sentiment_score":0.049339186686735884,"channel":0,"num_words":26,"start":1947.12,"end":1954.235},{"sentences":[{"text":"Yeah.","start":1954.0,"end":1954.5,"sentiment":"neutral","sentiment_score":0.07375387847423553}],"sentiment":"neutral","sentiment_score":0.07375387847423553,"channel":1,"num_words":1,"start":1954.0,"end":1954.5},{"sentences":[{"text":"fine.","start":1954.235,"end":1954.715,"sentiment":"neutral","sentiment_score":0.07380853593349457},{"text":"It'll touch","start":1954.715,"end":1955.275,"sentiment":"neutral","sentiment_score":0.050635386258363724}],"sentiment":"neutral","sentiment_score":0.05835976948340734,"channel":0,"num_words":3,"start":1954.235,"end":1955.275},{"sentences":[{"text":"Yep.","start":1955.2001,"end":1955.7001,"sentiment":"neutral","sentiment_score":0.047286488115787506}],"sentiment":"neutral","sentiment_score":0.047286488115787506,"channel":1,"num_words":1,"start":1955.2001,"end":1955.7001},{"sentences":[{"text":"base on everything we've gone through and just update all of your circumstances as well.","start":1955.275,"end":1959.195,"sentiment":"neutral","sentiment_score":0.06617102449138959},{"text":"Okay?","start":1959.195,"end":1959.695,"sentiment":"neutral","sentiment_score":0.03333445265889168}],"sentiment":"neutral","sentiment_score":0.06411873875185847,"channel":0,"num_words":16,"start":1955.275,"end":1959.695},{"sentences":[{"text":"Yep.","start":1960.16,"end":1960.66,"sentiment":"neutral","sentiment_score":0.0187610387802124},{"text":"And looking","start":1960.8,"end":1961.36,"sentiment":"neutral","sentiment_score":0.006220177747309208}],"sentiment":"neutral","sentiment_score":0.010400464758276938,"channel":1,"num_words":3,"start":1960.16,"end":1961.36},{"sentences":[{"text":"It's","start":1961.355,"end":1961.595,"sentiment":"neutral","sentiment_score":0.0018363501876592636}],"sentiment":"neutral","sentiment_score":0.0018363501876592636,"channel":0,"num_words":1,"start":1961.355,"end":1961.595},{"sentences":[{"text":"at least at super two to see if it's worth air moving to HubBook 24 or leaving where it is or all of that.","start":1961.36,"end":1966.9651,"sentiment":"neutral","sentiment_score":0.00884423301431525}],"sentiment":"neutral","sentiment_score":0.00884423301431525,"channel":1,"num_words":24,"start":1961.36,"end":1966.9651},{"sentences":[{"text":"yeah.","start":1966.7949,"end":1967.2949,"sentiment":"neutral","sentiment_score":0.03792712092399597}],"sentiment":"neutral","sentiment_score":0.03792712092399597,"channel":0,"num_words":1,"start":1966.7949,"end":1967.2949},{"sentences":[{"text":"Yeah.","start":1967.265,"end":1967.765,"sentiment":"neutral","sentiment_score":0.04747997224330902}],"sentiment":"neutral","sentiment_score":0.04747997224330902,"channel":1,"num_words":1,"start":1967.265,"end":1967.765},{"sentences":[{"text":"Yeah.","start":1967.89,"end":1967.97,"sentiment":"neutral","sentiment_score":0.07776759564876556},{"text":"Absolutely.","start":1967.97,"end":1968.37,"sentiment":"neutral","sentiment_score":0.13587181270122528}],"sentiment":"neutral","sentiment_score":0.10681970417499542,"channel":0,"num_words":2,"start":1967.89,"end":1968.37},{"sentences":[{"text":"Yep.","start":1967.9851,"end":1968.4851,"sentiment":"neutral","sentiment_score":0.1246904879808426}],"sentiment":"neutral","sentiment_score":0.1246904879808426,"channel":1,"num_words":1,"start":1967.9851,"end":1968.4851},{"sentences":[{"text":"Definitely.","start":1968.37,"end":1968.87,"sentiment":"neutral","sentiment_score":0.16408996284008026},{"text":"And that's the other thing I sorta wanted to touch base on was something I couldn't sorta touch base on before.","start":1969.09,"end":1974.21,"sentiment":"neutral","sentiment_score":0.05879775000115236},{"text":"So, obviously, with, Scott, you're and you're comfortable I just have to confirm, Scott, you're comfortable with me talking about your super.","start":1974.21,"end":1981.495,"sentiment":"neutral","sentiment_score":0.1017718780785799},{"text":"Are","start":1981.495,"end":1981.815,"sentiment":"neutral","sentiment_score":0.07306244969367981}],"sentiment":"neutral","sentiment_score":0.0824641440063715,"channel":0,"num_words":45,"start":1968.37,"end":1981.815},{"sentences":[{"text":"Yes.","start":1981.79,"end":1982.29,"sentiment":"neutral","sentiment_score":0.12263189256191254}],"sentiment":"neutral","sentiment_score":0.12263189256191254,"channel":1,"num_words":1,"start":1981.79,"end":1982.29},{"sentences":[{"text":"you happy with this?","start":1981.815,"end":1982.9349,"sentiment":"neutral","sentiment_score":0.1687728315591812},{"text":"Yep.","start":1982.9349,"end":1983.255,"sentiment":"neutral","sentiment_score":0.10483859479427338},{"text":"Perfect.","start":1983.255,"end":1983.575,"sentiment":"neutral","sentiment_score":0.25220945477485657},{"text":"Lisa, you're happy with me talking","start":1983.575,"end":1984.855,"sentiment":"neutral","sentiment_score":0.10750918214519818}],"sentiment":"neutral","sentiment_score":0.13976620572308698,"channel":0,"num_words":12,"start":1981.815,"end":1984.855},{"sentences":[{"text":"Vice","start":1984.67,"end":1984.9901,"sentiment":"neutral","sentiment_score":0.1390189528465271}],"sentiment":"neutral","sentiment_score":0.1390189528465271,"channel":1,"num_words":1,"start":1984.67,"end":1984.9901},{"sentences":[{"text":"about","start":1984.855,"end":1985.015,"sentiment":"neutral","sentiment_score":0.10755325853824615}],"sentiment":"neutral","sentiment_score":0.10755325853824615,"channel":0,"num_words":1,"start":1984.855,"end":1985.015},{"sentences":[{"text":"versa.","start":1984.9901,"end":1985.4901,"sentiment":"neutral","sentiment_score":0.1312825083732605}],"sentiment":"neutral","sentiment_score":0.1312825083732605,"channel":1,"num_words":1,"start":1984.9901,"end":1985.4901},{"sentences":[{"text":"your super balances and things?","start":1985.015,"end":1986.535,"sentiment":"neutral","sentiment_score":0.06323042437434197}],"sentiment":"neutral","sentiment_score":0.06323042437434197,"channel":0,"num_words":5,"start":1985.015,"end":1986.535},{"sentences":[{"text":"Yep.","start":1986.1901,"end":1986.6901,"sentiment":"neutral","sentiment_score":0.049419842660427094}],"sentiment":"neutral","sentiment_score":0.049419842660427094,"channel":1,"num_words":1,"start":1986.1901,"end":1986.6901},{"sentences":[{"text":"Yep.","start":1986.535,"end":1986.775,"sentiment":"neutral","sentiment_score":0.07506267726421356},{"text":"Perfect.","start":1986.775,"end":1987.275,"sentiment":"neutral","sentiment_score":0.18160337209701535},{"text":"Just wanna make sure I did the right","start":1987.735,"end":1989.1749,"sentiment":"neutral","sentiment_score":0.015130352228879929}],"sentiment":"neutral","sentiment_score":0.037770886719226834,"channel":0,"num_words":10,"start":1986.535,"end":1989.1749},{"sentences":[{"text":"No.","start":1989.15,"end":1989.4701,"sentiment":"neutral","sentiment_score":-0.02435896545648575}],"sentiment":"neutral","sentiment_score":-0.02435896545648575,"channel":1,"num_words":1,"start":1989.15,"end":1989.4701},{"sentences":[{"text":"thing by","start":1989.1749,"end":1989.655,"sentiment":"neutral","sentiment_score":-0.009634202346205711}],"sentiment":"neutral","sentiment_score":-0.009634202346205711,"channel":0,"num_words":2,"start":1989.1749,"end":1989.655},{"sentences":[{"text":"That's","start":1989.4701,"end":1989.79,"sentiment":"neutral","sentiment_score":0.024987269192934036}],"sentiment":"neutral","sentiment_score":0.024987269192934036,"channel":1,"num_words":1,"start":1989.4701,"end":1989.79},{"sentences":[{"text":"both.","start":1989.655,"end":1990.155,"sentiment":"neutral","sentiment_score":0.07734677195549011}],"sentiment":"neutral","sentiment_score":0.07734677195549011,"channel":0,"num_words":1,"start":1989.655,"end":1990.155},{"sentences":[{"text":"that's good.","start":1989.79,"end":1990.6101,"sentiment":"neutral","sentiment_score":0.17690222151577473}],"sentiment":"neutral","sentiment_score":0.17690222151577473,"channel":1,"num_words":2,"start":1989.79,"end":1990.6101},{"sentences":[{"text":"Essentially, with your super so, Scott, you're in Hub 24 at the moment.","start":1991.975,"end":1995.975,"sentiment":"neutral","sentiment_score":0.09435802784103614},{"text":"And one of the things, when we sort of did your advice, Lisa, we did recommend moving into Hub 24.","start":1995.975,"end":2000.7699,"sentiment":"neutral","sentiment_score":0.1326855581253767}],"sentiment":"neutral","sentiment_score":0.11758683407396982,"channel":0,"num_words":33,"start":1991.975,"end":2000.7699},{"sentences":[{"text":"Yep.","start":2000.845,"end":2001.345,"sentiment":"neutral","sentiment_score":0.16990599036216736}],"sentiment":"neutral","sentiment_score":0.16990599036216736,"channel":1,"num_words":1,"start":2000.845,"end":2001.345},{"sentences":[{"text":"One of the things I was not able to recommend at the time because I didn't have both of you there was linking your supers together.","start":2001.1499,"end":2007.01,"sentiment":"neutral","sentiment_score":-0.1566862087123669},{"text":"This is actually great because we can talk about that.","start":2007.3099,"end":2009.725,"sentiment":"positive","sentiment_score":0.6417996764183045},{"text":"Essentially, what we do, if I recommend it, I probably will because it works out better, but I will","start":2009.725,"end":2014.765,"sentiment":"neutral","sentiment_score":0.18664726732592835}],"sentiment":"neutral","sentiment_score":0.10709915303371169,"channel":0,"num_words":55,"start":2001.1499,"end":2014.765},{"sentences":[{"text":"Yeah.","start":2014.7101,"end":2015.2101,"sentiment":"neutral","sentiment_score":0.04777328297495842}],"sentiment":"neutral","sentiment_score":0.04777328297495842,"channel":1,"num_words":1,"start":2014.7101,"end":2015.2101},{"sentences":[{"text":"still do my due diligence and go back and reassess.","start":2014.765,"end":2017.265,"sentiment":"neutral","sentiment_score":0.09961017966270447},{"text":"But in the back end, we can link your super accounts within Hub twenty four under what's called a family","start":2017.325,"end":2022.365,"sentiment":"neutral","sentiment_score":0.13824510909616947}],"sentiment":"neutral","sentiment_score":0.12536679928501446,"channel":0,"num_words":30,"start":2014.765,"end":2022.365},{"sentences":[{"text":"Yeah.","start":2022.365,"end":2022.865,"sentiment":"neutral","sentiment_score":0.13896092772483826}],"sentiment":"neutral","sentiment_score":0.13896092772483826,"channel":1,"num_words":1,"start":2022.365,"end":2022.865},{"sentences":[{"text":"fee aggregation.","start":2022.365,"end":2023.1849,"sentiment":"neutral","sentiment_score":0.17088746279478073},{"text":"That links everything in the back end, and that means whenever you guys log in to your Hub 24, you can see both of your supers sitting there.","start":2023.76,"end":2031.2201,"sentiment":"neutral","sentiment_score":0.219779088561024},{"text":"You'll see","start":2031.28,"end":2031.76,"sentiment":"neutral","sentiment_score":0.20204618573188782}],"sentiment":"neutral","sentiment_score":0.21561505552381277,"channel":0,"num_words":32,"start":2022.365,"end":2031.76},{"sentences":[{"text":"Yeah.","start":2031.725,"end":2032.225,"sentiment":"neutral","sentiment_score":0.1713719666004181}],"sentiment":"neutral","sentiment_score":0.1713719666004181,"channel":1,"num_words":1,"start":2031.725,"end":2032.225},{"sentences":[{"text":"both of your","start":2031.76,"end":2032.3201,"sentiment":"neutral","sentiment_score":0.1994046519200007}],"sentiment":"neutral","sentiment_score":0.1994046519200007,"channel":0,"num_words":3,"start":2031.76,"end":2032.3201},{"sentences":[{"text":"Yeah.","start":2032.285,"end":2032.785,"sentiment":"neutral","sentiment_score":0.1731187105178833}],"sentiment":"neutral","sentiment_score":0.1731187105178833,"channel":1,"num_words":1,"start":2032.285,"end":2032.785},{"sentences":[{"text":"super balances.","start":2032.3201,"end":2033.06,"sentiment":"neutral","sentiment_score":0.21188492327928543},{"text":"You can cross between the two.","start":2033.12,"end":2034.8201,"sentiment":"neutral","sentiment_score":0.21471319844325384},{"text":"But doing that gives you the benefit of lowering your admin fees in the back end.","start":2035.2001,"end":2039.265,"sentiment":"positive","sentiment_score":0.415906036272645},{"text":"So you get discounts on administration fees and things like that.","start":2039.425,"end":2042.545,"sentiment":"positive","sentiment_score":0.5601225739175623},{"text":"It can actually reduce your fees, Scott, even more than what they have.","start":2042.545,"end":2046.485,"sentiment":"positive","sentiment_score":0.5754264501424936}],"sentiment":"positive","sentiment_score":0.458509120469292,"channel":0,"num_words":48,"start":2032.3201,"end":2046.485},{"sentences":[{"text":"Yep.","start":2046.7,"end":2046.78,"sentiment":"neutral","sentiment_score":0.2786521017551422},{"text":"Yep.","start":2046.78,"end":2047.28,"sentiment":"neutral","sentiment_score":0.2765679955482483}],"sentiment":"neutral","sentiment_score":0.27761004865169525,"channel":1,"num_words":2,"start":2046.7,"end":2047.28},{"sentences":[{"text":"And then, obviously, it helps to reduce leases fees as much as possible as well.","start":2047.025,"end":2051.745,"sentiment":"positive","sentiment_score":0.3757299780845642},{"text":"Are you both comfortable with me doing that?","start":2051.745,"end":2053.68,"sentiment":"neutral","sentiment_score":0.14591223746538162}],"sentiment":"neutral","sentiment_score":0.29579337265180505,"channel":0,"num_words":23,"start":2047.025,"end":2053.68},{"sentences":[{"text":"Yes.","start":2054.075,"end":2054.4749,"sentiment":"neutral","sentiment_score":0.19101782143115997},{"text":"Yep.","start":2054.4749,"end":2054.795,"sentiment":"neutral","sentiment_score":0.19175708293914795},{"text":"Definitely.","start":2054.795,"end":2055.295,"sentiment":"neutral","sentiment_score":0.28453490138053894}],"sentiment":"neutral","sentiment_score":0.22243660191694895,"channel":1,"num_words":3,"start":2054.075,"end":2055.295},{"sentences":[{"text":"Yep.","start":2055.3599,"end":2055.76,"sentiment":"neutral","sentiment_score":0.3310682773590088},{"text":"Beautiful.","start":2055.76,"end":2056.26,"sentiment":"positive","sentiment_score":0.625777006149292},{"text":"There's another thing I do like to do when I'm talking to couples together as well, and I sort of initially plan to come back and talk to you about it as well.","start":2056.8,"end":2064.8198,"sentiment":"neutral","sentiment_score":0.2658395311146071},{"text":"But we can also add what's called a third party ex sorry.","start":2064.96,"end":2069.695,"sentiment":"neutral","sentiment_score":0.09686403317997853},{"text":"Third an external third party authority.","start":2069.695,"end":2072.115,"sentiment":"neutral","sentiment_score":0.0748472586274147}],"sentiment":"neutral","sentiment_score":0.21398116528706732,"channel":0,"num_words":53,"start":2055.3599,"end":2072.115},{"sentences":[{"text":"That essentially means that we put that on file for both of you.","start":2072.8152,"end":2075.935,"sentiment":"neutral","sentiment_score":0.14662056072400168},{"text":"So if something happens, it means that, Lisa, you can call and talk to us about Scott Cooper and get information and reports and things like that.","start":2075.935,"end":2082.9001,"sentiment":"neutral","sentiment_score":0.16490305463473},{"text":"But it also","start":2082.9602,"end":2083.36,"sentiment":"neutral","sentiment_score":0.09879305710395177}],"sentiment":"neutral","sentiment_score":0.15476346362468807,"channel":0,"num_words":43,"start":2072.8152,"end":2083.36},{"sentences":[{"text":"Yes.","start":2083.2449,"end":2083.4849,"sentiment":"neutral","sentiment_score":0.08464431017637253}],"sentiment":"neutral","sentiment_score":0.08464431017637253,"channel":1,"num_words":1,"start":2083.2449,"end":2083.4849},{"sentences":[{"text":"means,","start":2083.36,"end":2083.6802,"sentiment":"neutral","sentiment_score":0.08216971904039383}],"sentiment":"neutral","sentiment_score":0.08216971904039383,"channel":0,"num_words":1,"start":2083.36,"end":2083.6802},{"sentences":[{"text":"Fine.","start":2083.4849,"end":2083.805,"sentiment":"neutral","sentiment_score":0.15554144978523254}],"sentiment":"neutral","sentiment_score":0.15554144978523254,"channel":1,"num_words":1,"start":2083.4849,"end":2083.805},{"sentences":[{"text":"Scott,","start":2083.6802,"end":2083.84,"sentiment":"neutral","sentiment_score":0.12896420061588287}],"sentiment":"neutral","sentiment_score":0.12896420061588287,"channel":0,"num_words":1,"start":2083.6802,"end":2083.84},{"sentences":[{"text":"Yeah.","start":2083.805,"end":2084.305,"sentiment":"neutral","sentiment_score":0.15523725748062134}],"sentiment":"neutral","sentiment_score":0.15523725748062134,"channel":1,"num_words":1,"start":2083.805,"end":2084.305},{"sentences":[{"text":"you can do that for laces.","start":2083.84,"end":2085.2202,"sentiment":"neutral","sentiment_score":0.1282918540139993}],"sentiment":"neutral","sentiment_score":0.1282918540139993,"channel":0,"num_words":6,"start":2083.84,"end":2085.2202},{"sentences":[{"text":"Yep.","start":2085.4849,"end":2085.8848,"sentiment":"neutral","sentiment_score":0.20160946249961853}],"sentiment":"neutral","sentiment_score":0.20160946249961853,"channel":1,"num_words":1,"start":2085.4849,"end":2085.8848},{"sentences":[{"text":"I like","start":2085.6,"end":2086.08,"sentiment":"neutral","sentiment_score":0.3194712847471237}],"sentiment":"neutral","sentiment_score":0.3194712847471237,"channel":0,"num_words":2,"start":2085.6,"end":2086.08},{"sentences":[{"text":"That'd","start":2085.8848,"end":2086.2048,"sentiment":"positive","sentiment_score":0.37473011016845703}],"sentiment":"positive","sentiment_score":0.37473011016845703,"channel":1,"num_words":1,"start":2085.8848,"end":2086.2048},{"sentences":[{"text":"to","start":2086.08,"end":2086.24,"sentiment":"positive","sentiment_score":0.429682970046997}],"sentiment":"positive","sentiment_score":0.429682970046997,"channel":0,"num_words":1,"start":2086.08,"end":2086.24},{"sentences":[{"text":"be","start":2086.2048,"end":2086.365,"sentiment":"positive","sentiment_score":0.42905330657958984}],"sentiment":"positive","sentiment_score":0.42905330657958984,"channel":1,"num_words":1,"start":2086.2048,"end":2086.365},{"sentences":[{"text":"kind","start":2086.24,"end":2086.4001,"sentiment":"positive","sentiment_score":0.4800394475460053}],"sentiment":"positive","sentiment_score":0.4800394475460053,"channel":0,"num_words":1,"start":2086.24,"end":2086.4001},{"sentences":[{"text":"good.","start":2086.365,"end":2086.865,"sentiment":"positive","sentiment_score":0.3986701369285583}],"sentiment":"positive","sentiment_score":0.3986701369285583,"channel":1,"num_words":1,"start":2086.365,"end":2086.865},{"sentences":[{"text":"of put that for because if one of you unwell in hospital or something's happening, it means that you can call and talk to us.","start":2086.4001,"end":2092.58,"sentiment":"neutral","sentiment_score":0.09875754684209824},{"text":"You can't make changes on each other's behalf, but it does mean that we can sort of liaise with each of you, and it tends to work really well for couples.","start":2092.6401,"end":2100.5151,"sentiment":"neutral","sentiment_score":0.16789142278233363},{"text":"Would you like us to apply that to this to our file for each of you as well?","start":2100.5151,"end":2105.415,"sentiment":"neutral","sentiment_score":0.1446165144443512}],"sentiment":"neutral","sentiment_score":0.13887391942301514,"channel":0,"num_words":74,"start":2086.4001,"end":2105.415},{"sentences":[{"text":"Yes, please.","start":2105.7698,"end":2106.67,"sentiment":"neutral","sentiment_score":0.1487208902835846}],"sentiment":"neutral","sentiment_score":0.1487208902835846,"channel":1,"num_words":2,"start":2105.7698,"end":2106.67},{"sentences":[{"text":"Yep.","start":2106.995,"end":2107.395,"sentiment":"neutral","sentiment_score":0.3242954611778259},{"text":"Beautiful.","start":2107.395,"end":2107.895,"sentiment":"positive","sentiment_score":0.7701069116592407},{"text":"Lovely.","start":2108.2751,"end":2108.7751,"sentiment":"positive","sentiment_score":0.7835822105407715},{"text":"I'll get those done up and sent through to you guys before we do the advice.","start":2109.13,"end":2113.8499,"sentiment":"positive","sentiment_score":0.4746919088065624},{"text":"So that way, we can have them set up on the file.","start":2113.8499,"end":2116.25,"sentiment":"positive","sentiment_score":0.3667549093564351}],"sentiment":"positive","sentiment_score":0.4475520656954858,"channel":0,"num_words":31,"start":2106.995,"end":2116.25},{"sentences":[{"text":"That way, in the meantime, if any of you have any questions or need anything, you can still liaise with us.","start":2116.25,"end":2121.4749,"sentiment":"neutral","sentiment_score":0.32840625586963834},{"text":"The e t p a is on file and active for the each of you.","start":2121.4749,"end":2124.835,"sentiment":"neutral","sentiment_score":0.1641580899556478},{"text":"Okay?","start":2124.835,"end":2125.335,"sentiment":"neutral","sentiment_score":0.11858675628900528}],"sentiment":"neutral","sentiment_score":0.25614836429421967,"channel":0,"num_words":37,"start":2116.25,"end":2125.335},{"sentences":[{"text":"Cool.","start":2125.9949,"end":2126.4949,"sentiment":"positive","sentiment_score":0.5159696936607361}],"sentiment":"positive","sentiment_score":0.5159696936607361,"channel":1,"num_words":1,"start":2125.9949,"end":2126.4949},{"sentences":[{"text":"Beautiful.","start":2127.2349,"end":2127.7349,"sentiment":"positive","sentiment_score":0.6762001514434814},{"text":"Excellent.","start":2127.875,"end":2128.375,"sentiment":"positive","sentiment_score":0.6343820691108704},{"text":"As I kinda mentioned before, we do have a new there are new AML legislative requirements.","start":2128.835,"end":2135.175,"sentiment":"neutral","sentiment_score":0.04051793355029076},{"text":"So before providing the advice, now I do have to get a copy of your ID, Lisa.","start":2135.395,"end":2140.27,"sentiment":"neutral","sentiment_score":0.0068417471997878135},{"text":"So I'm gonna send","start":2140.33,"end":2141.4502,"sentiment":"neutral","sentiment_score":0.0195620390586555}],"sentiment":"neutral","sentiment_score":0.05521607733307741,"channel":0,"num_words":39,"start":2127.2349,"end":2141.4502},{"sentences":[{"text":"Yeah.","start":2141.15,"end":2141.65,"sentiment":"neutral","sentiment_score":0.010726351290941238}],"sentiment":"neutral","sentiment_score":0.010726351290941238,"channel":1,"num_words":1,"start":2141.15,"end":2141.65},{"sentences":[{"text":"through a link, and so it looks like your ID on file has expired as well.","start":2141.4502,"end":2146.6702,"sentiment":"neutral","sentiment_score":-0.01483105297666043},{"text":"So what I'm","start":2146.73,"end":2147.29,"sentiment":"neutral","sentiment_score":0.025292774041493733}],"sentiment":"neutral","sentiment_score":-0.008495711868530825,"channel":0,"num_words":19,"start":2141.4502,"end":2147.29},{"sentences":[{"text":"Yes.","start":2147.1948,"end":2147.6948,"sentiment":"neutral","sentiment_score":0.08783210813999176}],"sentiment":"neutral","sentiment_score":0.08783210813999176,"channel":1,"num_words":1,"start":2147.1948,"end":2147.6948},{"sentences":[{"text":"gonna do is I've gotta generate a link to send through to you both just to get an AML completed to get your ID done.","start":2147.29,"end":2159.365,"sentiment":"neutral","sentiment_score":0.09617922246456147},{"text":"I'll see if I can log in to this for you while I have you on the phone here because it's the first time I've actually used this.","start":2159.365,"end":2165.525,"sentiment":"neutral","sentiment_score":0.07199576191071953},{"text":"I do apologize.","start":2165.525,"end":2166.4248,"sentiment":"neutral","sentiment_score":-0.05108308667937914},{"text":"Beautiful.","start":2171.0598,"end":2171.5598,"sentiment":"positive","sentiment_score":0.42568790912628174},{"text":"So this is just a secure way.","start":2172.5,"end":2174.0198,"sentiment":"neutral","sentiment_score":0.26843119519097464}],"sentiment":"neutral","sentiment_score":0.10268467047717422,"channel":0,"num_words":64,"start":2147.29,"end":2174.0198},{"sentences":[{"text":"So what we used to do is we used to just ask you via text message or email to provide a copy of your ID.","start":2174.0198,"end":2180.1199,"sentiment":"neutral","sentiment_score":0.12472612887620926},{"text":"Doing it this","start":2180.66,"end":2181.375,"sentiment":"neutral","sentiment_score":0.10480352987845738}],"sentiment":"neutral","sentiment_score":0.1225915646978787,"channel":0,"num_words":28,"start":2174.0198,"end":2181.375},{"sentences":[{"text":"Yes.","start":2181.355,"end":2181.66,"sentiment":"neutral","sentiment_score":0.29026976227760315}],"sentiment":"neutral","sentiment_score":0.29026976227760315,"channel":1,"num_words":1,"start":2181.355,"end":2181.66},{"sentences":[{"text":"way is much more secure for you both.","start":2181.535,"end":2184.275,"sentiment":"neutral","sentiment_score":0.32400151155889034},{"text":"It's essentially the system sends you an email link.","start":2184.495,"end":2187.855,"sentiment":"neutral","sentiment_score":0.20336941878000894},{"text":"It asks you to follow the prompt just to take, like, photos of your back in front of your ID and generally yourself as well.","start":2187.855,"end":2194.675,"sentiment":"neutral","sentiment_score":0.21377389430999755},{"text":"And this way, it's much more secure, so we're not getting anything via text message.","start":2195.33,"end":2199.59,"sentiment":"neutral","sentiment_score":0.17240901961922644},{"text":"This is all approved by the f triple a, so the Financial Planning Association of Australia in unison with ASIC.","start":2199.8901,"end":2205.83,"sentiment":"neutral","sentiment_score":0.20520208179950714}],"sentiment":"neutral","sentiment_score":0.2137254694742816,"channel":0,"num_words":77,"start":2181.535,"end":2205.83},{"sentences":[{"text":"So it's much better for you to do it this way.","start":2206.37,"end":2208.87,"sentiment":"positive","sentiment_score":0.35087788105010986},{"text":"I'm just","start":2209.57,"end":2209.8901,"sentiment":"neutral","sentiment_score":0.13054687529802322}],"sentiment":"neutral","sentiment_score":0.31698080324209654,"channel":0,"num_words":13,"start":2206.37,"end":2209.8901},{"sentences":[{"text":"No","start":2209.8,"end":2210.04,"sentiment":"neutral","sentiment_score":0.07338052988052368}],"sentiment":"neutral","sentiment_score":0.07338052988052368,"channel":1,"num_words":1,"start":2209.8,"end":2210.04},{"sentences":[{"text":"gonna","start":2209.8901,"end":2210.21,"sentiment":"neutral","sentiment_score":0.05169720947742462}],"sentiment":"neutral","sentiment_score":0.05169720947742462,"channel":0,"num_words":1,"start":2209.8901,"end":2210.21},{"sentences":[{"text":"worries.","start":2210.04,"end":2210.54,"sentiment":"neutral","sentiment_score":0.005185938440263271}],"sentiment":"neutral","sentiment_score":0.005185938440263271,"channel":1,"num_words":1,"start":2210.04,"end":2210.54},{"sentences":[{"text":"go in, sorry, and set it up because I have to prompt it to send through to you, and I've gotta answer a couple of questions to begin with.","start":2210.21,"end":2218.355,"sentiment":"neutral","sentiment_score":0.011361092329025269},{"text":"Sorry.","start":2220.495,"end":2220.735,"sentiment":"neutral","sentiment_score":-0.10585704445838928},{"text":"It won't be two seconds.","start":2220.735,"end":2222.0151,"sentiment":"neutral","sentiment_score":-0.1833897829055786},{"text":"Just logging in.","start":2222.0151,"end":2223.155,"sentiment":"neutral","sentiment_score":-0.12318049867947896},{"text":"My computer's a little bit slow this afternoon.","start":2223.455,"end":2225.78,"sentiment":"neutral","sentiment_score":-0.32534056529402733}],"sentiment":"neutral","sentiment_score":-0.07968696303989577,"channel":0,"num_words":46,"start":2210.21,"end":2225.78},{"sentences":[{"text":"There we go.","start":2226.8801,"end":2227.78,"sentiment":"neutral","sentiment_score":-0.13104328016440073},{"text":"Oh, it's not working.","start":2230.1602,"end":2231.3,"sentiment":"neutral","sentiment_score":-0.2644912451505661},{"text":"Sorry.","start":2234.08,"end":2234.4001,"sentiment":"neutral","sentiment_score":-0.23298504948616028},{"text":"It's still telling me there's an error.","start":2234.4001,"end":2236.26,"sentiment":"negative","sentiment_score":-0.3364318907260895},{"text":"I had trouble I was logging into this yesterday to test it for you before I sent it through, but it's still causing a problem for me.","start":2237.115,"end":2245.615,"sentiment":"neutral","sentiment_score":-0.2683242189663428}],"sentiment":"neutral","sentiment_score":-0.2686632623275121,"channel":0,"num_words":42,"start":2226.8801,"end":2245.615},{"sentences":[{"text":"Come on there.","start":2246.875,"end":2247.775,"sentiment":"neutral","sentiment_score":-0.15440011272827783},{"text":"Alright.","start":2251.115,"end":2251.56,"sentiment":"neutral","sentiment_score":-0.014180360361933708},{"text":"Still not working.","start":2251.6401,"end":2252.46,"sentiment":"neutral","sentiment_score":-0.10009025533994038},{"text":"Done.","start":2253.1602,"end":2253.6602,"sentiment":"neutral","sentiment_score":0.05124957486987114},{"text":"That's okay.","start":2254.28,"end":2255.02,"sentiment":"neutral","sentiment_score":0.14437754452228546}],"sentiment":"neutral","sentiment_score":-0.04376468006521463,"channel":0,"num_words":10,"start":2246.875,"end":2255.02},{"sentences":[{"text":"If it's okay, I will get this updated.","start":2255.56,"end":2258.28,"sentiment":"neutral","sentiment_score":0.1938333921134472},{"text":"There seems to be a problem with the login, and I think it's on the end of the the system.","start":2258.28,"end":2262.54,"sentiment":"neutral","sentiment_score":-0.24871279001235963},{"text":"If it's","start":2263.24,"end":2263.575,"sentiment":"neutral","sentiment_score":-0.02800435572862625}],"sentiment":"neutral","sentiment_score":-0.11598657915989558,"channel":0,"num_words":30,"start":2255.56,"end":2263.575},{"sentences":[{"text":"Yep.","start":2263.53,"end":2264.03,"sentiment":"neutral","sentiment_score":-0.007456546183675528}],"sentiment":"neutral","sentiment_score":-0.007456546183675528,"channel":1,"num_words":1,"start":2263.53,"end":2264.03},{"sentences":[{"text":"okay, can I get Maddie to follow-up with you both just to kinda send that link out and get a","start":2263.7349,"end":2269.4949,"sentiment":"neutral","sentiment_score":0.09067079536616802}],"sentiment":"neutral","sentiment_score":0.09067079536616802,"channel":0,"num_words":20,"start":2263.7349,"end":2269.4949},{"sentences":[{"text":"Yep.","start":2269.45,"end":2269.95,"sentiment":"neutral","sentiment_score":0.03555775061249733}],"sentiment":"neutral","sentiment_score":0.03555775061249733,"channel":1,"num_words":1,"start":2269.45,"end":2269.95},{"sentences":[{"text":"copy of your ID organized through price, the advice being completed?","start":2269.4949,"end":2273.335,"sentiment":"neutral","sentiment_score":0.04694624041969126},{"text":"Is that absolutely","start":2273.335,"end":2274.135,"sentiment":"neutral","sentiment_score":0.10084880391756694}],"sentiment":"neutral","sentiment_score":0.05849678974066462,"channel":0,"num_words":14,"start":2269.4949,"end":2274.135},{"sentences":[{"text":"Yep.","start":2274.01,"end":2274.51,"sentiment":"neutral","sentiment_score":0.0634634718298912}],"sentiment":"neutral","sentiment_score":0.0634634718298912,"channel":1,"num_words":1,"start":2274.01,"end":2274.51},{"sentences":[{"text":"okay with either of you?","start":2274.135,"end":2275.515,"sentiment":"neutral","sentiment_score":0.04826968982815742}],"sentiment":"neutral","sentiment_score":0.04826968982815742,"channel":0,"num_words":5,"start":2274.135,"end":2275.515},{"sentences":[{"text":"Yeah.","start":2275.1301,"end":2275.53,"sentiment":"neutral","sentiment_score":-0.021536968648433685},{"text":"Not at all.","start":2275.53,"end":2276.4302,"sentiment":"neutral","sentiment_score":-0.10206264009078343}],"sentiment":"neutral","sentiment_score":-0.081931222230196,"channel":1,"num_words":4,"start":2275.1301,"end":2276.4302},{"sentences":[{"text":"Yep.","start":2276.295,"end":2276.795,"sentiment":"neutral","sentiment_score":0.04610581696033478},{"text":"Fantastic.","start":2277.095,"end":2277.595,"sentiment":"positive","sentiment_score":0.4546186327934265},{"text":"I'm so sorry about that.","start":2277.7349,"end":2278.95,"sentiment":"neutral","sentiment_score":0.11698541790246964},{"text":"I love technology","start":2279.1099,"end":2279.91,"sentiment":"positive","sentiment_score":0.3502700726191203}],"sentiment":"neutral","sentiment_score":0.21364617571234704,"channel":0,"num_words":10,"start":2276.295,"end":2279.91},{"sentences":[{"text":"That's okay.","start":2279.505,"end":2280.245,"sentiment":"positive","sentiment_score":0.40056318044662476}],"sentiment":"positive","sentiment_score":0.40056318044662476,"channel":1,"num_words":2,"start":2279.505,"end":2280.245},{"sentences":[{"text":"when it wants to work for us.","start":2279.91,"end":2283.69,"sentiment":"positive","sentiment_score":0.40861847145216806},{"text":"All good.","start":2283.75,"end":2284.49,"sentiment":"positive","sentiment_score":0.5370149314403534},{"text":"Now the other thing to have a chat about is the insurance side of things as well.","start":2284.8699,"end":2288.79,"sentiment":"neutral","sentiment_score":0.15422084226327784},{"text":"So in the original advice piece, so, Lisa, with your advice piece, you have your life, your TBD.","start":2288.79,"end":2295.495,"sentiment":"neutral","sentiment_score":0.16612205157677332},{"text":"I'll double check, and I'll get you to resend me an updated statement for your super funds with the updated balances and insurance side of things.","start":2296.115,"end":2302.935,"sentiment":"neutral","sentiment_score":0.1656373369579132}],"sentiment":"neutral","sentiment_score":0.1978983024401324,"channel":0,"num_words":70,"start":2279.91,"end":2302.935},{"sentences":[{"text":"But you had about a 106,000 in life and TBD within Brighter Super there, and we were recommending to retain your income protection through your employer because that was a fantastic policy.","start":2303.555,"end":2315.19,"sentiment":"neutral","sentiment_score":0.314684493932873}],"sentiment":"neutral","sentiment_score":0.314684493932873,"channel":0,"num_words":32,"start":2303.555,"end":2315.19},{"sentences":[{"text":"Yeah.","start":2316.0352,"end":2316.5352,"sentiment":"positive","sentiment_score":0.3814139664173126}],"sentiment":"positive","sentiment_score":0.3814139664173126,"channel":1,"num_words":1,"start":2316.0352,"end":2316.5352},{"sentences":[{"text":"The main sort of reason for retaining the life and TPD was that you were comfortable with the amount of cover looking at your balance plus the life cover if anything had happened based on the loan that you still had owing that was gonna cover the mortgage side","start":2317.1702,"end":2330.705,"sentiment":"positive","sentiment_score":0.3356620444326985}],"sentiment":"positive","sentiment_score":0.3356620444326985,"channel":0,"num_words":49,"start":2317.1702,"end":2330.705},{"sentences":[{"text":"I'm","start":2330.705,"end":2331.205,"sentiment":"positive","sentiment_score":0.3675272464752197}],"sentiment":"positive","sentiment_score":0.3675272464752197,"channel":1,"num_words":1,"start":2330.705,"end":2331.205},{"sentences":[{"text":"of things, and you were fairly happy with that.","start":2330.705,"end":2333.5051,"sentiment":"positive","sentiment_score":0.454837454482913},{"text":"Do you feel like you wanna look at any additional insurances, insurances, or are you still happy with that 106,000 more focused on getting super balance increased?","start":2333.5051,"end":2342.33,"sentiment":"neutral","sentiment_score":-0.006444121710956097},{"text":"What's your thoughts?","start":2342.33,"end":2343.31,"sentiment":"neutral","sentiment_score":-0.006913760676980019}],"sentiment":"neutral","sentiment_score":0.09996934672101186,"channel":0,"num_words":39,"start":2330.705,"end":2343.31},{"sentences":[{"text":"I'm still happy to keep it.","start":2344.065,"end":2345.425,"sentiment":"neutral","sentiment_score":0.26946479082107544},{"text":"Yes.","start":2345.425,"end":2345.825,"sentiment":"neutral","sentiment_score":0.12522071599960327}],"sentiment":"neutral","sentiment_score":0.24885849441800797,"channel":1,"num_words":7,"start":2344.065,"end":2345.825},{"sentences":[{"text":"Still","start":2345.77,"end":2346.01,"sentiment":"neutral","sentiment_score":0.05504278838634491}],"sentiment":"neutral","sentiment_score":0.05504278838634491,"channel":0,"num_words":1,"start":2345.77,"end":2346.01},{"sentences":[{"text":"Yeah.","start":2345.825,"end":2346.24,"sentiment":"neutral","sentiment_score":0.1168270856142044}],"sentiment":"neutral","sentiment_score":0.1168270856142044,"channel":1,"num_words":1,"start":2345.825,"end":2346.24},{"sentences":[{"text":"happy to keep it?","start":2346.01,"end":2346.602,"sentiment":"neutral","sentiment_score":0.1780659593641758},{"text":"Yep.","start":2346.602,"end":2346.634,"sentiment":"neutral","sentiment_score":0.205845445394516},{"text":"Beautiful.","start":2346.634,"end":2346.666,"sentiment":"positive","sentiment_score":0.570378303527832},{"text":"Excellent.","start":2346.666,"end":2346.698,"sentiment":"positive","sentiment_score":0.5606734752655029},{"text":"That's okay.","start":2346.698,"end":2347.23,"sentiment":"positive","sentiment_score":0.4373047351837158}],"sentiment":"neutral","sentiment_score":0.3248633924457762,"channel":0,"num_words":9,"start":2346.01,"end":2347.23},{"sentences":[{"text":"Excellent.","start":2347.45,"end":2347.95,"sentiment":"positive","sentiment_score":0.4799287021160126}],"sentiment":"positive","sentiment_score":0.4799287021160126,"channel":0,"num_words":1,"start":2347.45,"end":2347.95},{"sentences":[{"text":"Yep.","start":2347.6,"end":2348.1,"sentiment":"neutral","sentiment_score":0.2465488612651825}],"sentiment":"neutral","sentiment_score":0.2465488612651825,"channel":1,"num_words":1,"start":2347.6,"end":2348.1},{"sentences":[{"text":"That's okay.","start":2349.2048,"end":2350.105,"sentiment":"neutral","sentiment_score":0.3239481896162033},{"text":"Excellent.","start":2351.845,"end":2352.345,"sentiment":"positive","sentiment_score":0.5224659442901611},{"text":"And we'll still look to retain the income protection policy.","start":2352.405,"end":2355.685,"sentiment":"neutral","sentiment_score":0.2562317609786987},{"text":"That was actually a really fantastic policy.","start":2355.685,"end":2357.925,"sentiment":"positive","sentiment_score":0.7361387780734471},{"text":"I really enjoyed researching that one.","start":2357.925,"end":2360.105,"sentiment":"positive","sentiment_score":0.7098936339219412}],"sentiment":"positive","sentiment_score":0.5055774301290512,"channel":0,"num_words":26,"start":2349.2048,"end":2360.105},{"sentences":[{"text":"That policy, even when you drop your hours, there should be no change.","start":2361.39,"end":2365.39,"sentiment":"neutral","sentiment_score":0.21862593465126479},{"text":"That policy, that will still stay in place as it is.","start":2365.39,"end":2368.0298,"sentiment":"neutral","sentiment_score":0.29289809411222284},{"text":"Do you know if there's any changes that would be expected with that income protection policy aside","start":2368.0298,"end":2372.91,"sentiment":"neutral","sentiment_score":0.028958712156642887}],"sentiment":"neutral","sentiment_score":0.15991010469180056,"channel":0,"num_words":41,"start":2361.39,"end":2372.91},{"sentences":[{"text":"No.","start":2372.6948,"end":2373.015,"sentiment":"neutral","sentiment_score":-0.037848420441150665}],"sentiment":"neutral","sentiment_score":-0.037848420441150665,"channel":1,"num_words":1,"start":2372.6948,"end":2373.015},{"sentences":[{"text":"from","start":2372.91,"end":2373.39,"sentiment":"neutral","sentiment_score":-0.028750702738761905}],"sentiment":"neutral","sentiment_score":-0.028750702738761905,"channel":0,"num_words":1,"start":2372.91,"end":2373.39},{"sentences":[{"text":"There shouldn't","start":2373.015,"end":2373.575,"sentiment":"neutral","sentiment_score":-0.09401609376072884}],"sentiment":"neutral","sentiment_score":-0.09401609376072884,"channel":1,"num_words":2,"start":2373.015,"end":2373.575},{"sentences":[{"text":"the amount","start":2373.39,"end":2373.8699,"sentiment":"neutral","sentiment_score":-0.062046801671385765}],"sentiment":"neutral","sentiment_score":-0.062046801671385765,"channel":0,"num_words":2,"start":2373.39,"end":2373.8699},{"sentences":[{"text":"be.","start":2373.575,"end":2373.96,"sentiment":"neutral","sentiment_score":-0.06753720343112946}],"sentiment":"neutral","sentiment_score":-0.06753720343112946,"channel":1,"num_words":1,"start":2373.575,"end":2373.96},{"sentences":[{"text":"they would pay?","start":2373.8699,"end":2374.485,"sentiment":"neutral","sentiment_score":-0.045287919541200004},{"text":"No.","start":2374.645,"end":2374.885,"sentiment":"neutral","sentiment_score":-0.0539773553609848},{"text":"That's okay.","start":2374.885,"end":2377.445,"sentiment":"neutral","sentiment_score":0.042225442826747894},{"text":"Should say beautiful.","start":2377.445,"end":2378.485,"sentiment":"neutral","sentiment_score":0.2501140534877777},{"text":"I still have the PDF documents, though.","start":2378.485,"end":2380.405,"sentiment":"neutral","sentiment_score":0.0573253719402211}],"sentiment":"neutral","sentiment_score":0.06538934598211199,"channel":0,"num_words":16,"start":2373.8699,"end":2380.405},{"sentences":[{"text":"I'll still just run through just to make sure that everything is still okay if you drop your hours there.","start":2380.405,"end":2386.0251,"sentiment":"neutral","sentiment_score":0.0447622099891305}],"sentiment":"neutral","sentiment_score":0.0447622099891305,"channel":0,"num_words":20,"start":2380.405,"end":2386.0251},{"sentences":[{"text":"Yep.","start":2386.92,"end":2387.42,"sentiment":"neutral","sentiment_score":0.019830845296382904}],"sentiment":"neutral","sentiment_score":0.019830845296382904,"channel":1,"num_words":1,"start":2386.92,"end":2387.42},{"sentences":[{"text":"The other thing we did talk about initially was trauma.","start":2387.0452,"end":2390.0251,"sentiment":"neutral","sentiment_score":-0.034512418881058694},{"text":"So trauma, if you decide to take on trauma, isn't more of an out of pocket expense.","start":2390.58,"end":2395.4001,"sentiment":"neutral","sentiment_score":-0.059429065269582415},{"text":"Unlike life, PPD, income protection, you can't hold trauma inside super.","start":2396.1,"end":2400.28,"sentiment":"neutral","sentiment_score":-0.04229616610841318},{"text":"Trauma tends to pay out a lump sum tax free benefit in the event that you'll stay diagnosed with, say, Parkinson's, MS, or neurological conditions.","start":2400.98,"end":2409.1648,"sentiment":"neutral","sentiment_score":-0.0076585645973682405},{"text":"Cancer's a big one.","start":2409.785,"end":2411.2249,"sentiment":"neutral","sentiment_score":-0.0617577126249671}],"sentiment":"neutral","sentiment_score":-0.0337189715077628,"channel":0,"num_words":67,"start":2387.0452,"end":2411.2249},{"sentences":[{"text":"Also, heart attacks and strokes tend to pay out as well.","start":2411.2249,"end":2414.2048,"sentiment":"neutral","sentiment_score":-0.037115378813310104},{"text":"Did you wanna look at getting a level of trauma to cover you in the event of something major occurring, or are you happy just to keep the covers you have not worry about trauma?","start":2414.825,"end":2423.92,"sentiment":"neutral","sentiment_score":0.0028055575277124135},{"text":"How do you feel there, Lisa?","start":2423.92,"end":2425.3,"sentiment":"neutral","sentiment_score":-0.019225782093902428}],"sentiment":"neutral","sentiment_score":-0.008181333577690216,"channel":0,"num_words":52,"start":2411.2249,"end":2425.3},{"sentences":[{"text":"Do I have trauma in mind?","start":2425.815,"end":2427.7349,"sentiment":"neutral","sentiment_score":-0.03301340062171221},{"text":"Or","start":2427.7349,"end":2428.055,"sentiment":"neutral","sentiment_score":-0.03708910197019577}],"sentiment":"neutral","sentiment_score":-0.033595643671495576,"channel":1,"num_words":7,"start":2425.815,"end":2428.055},{"sentences":[{"text":"You don't.","start":2429.3599,"end":2430.495,"sentiment":"neutral","sentiment_score":-0.04313137009739876}],"sentiment":"neutral","sentiment_score":-0.04313137009739876,"channel":0,"num_words":2,"start":2429.3599,"end":2430.495},{"sentences":[{"text":"Oh, no.","start":2431.7349,"end":2432.28,"sentiment":"neutral","sentiment_score":-0.036298926919698715}],"sentiment":"neutral","sentiment_score":-0.036298926919698715,"channel":1,"num_words":2,"start":2431.7349,"end":2432.28},{"sentences":[{"text":"I'll","start":2432.415,"end":2432.655,"sentiment":"neutral","sentiment_score":-0.02177893184125423}],"sentiment":"neutral","sentiment_score":-0.02177893184125423,"channel":0,"num_words":1,"start":2432.415,"end":2432.655},{"sentences":[{"text":"Yeah.","start":2432.52,"end":2433.02,"sentiment":"neutral","sentiment_score":-0.018840353935956955}],"sentiment":"neutral","sentiment_score":-0.018840353935956955,"channel":1,"num_words":1,"start":2432.52,"end":2433.02},{"sentences":[{"text":"pull up yours.","start":2432.655,"end":2433.715,"sentiment":"neutral","sentiment_score":-0.01694534905254841},{"text":"Sorry.","start":2433.935,"end":2434.3352,"sentiment":"neutral","sentiment_score":-0.048383679240942},{"text":"Two seconds.","start":2434.3352,"end":2434.8152,"sentiment":"neutral","sentiment_score":-0.0348280081525445},{"text":"I'll just pull it up.","start":2434.8152,"end":2435.8552,"sentiment":"neutral","sentiment_score":-0.011696232110261917},{"text":"I do have your policy here.","start":2435.8552,"end":2437.7751,"sentiment":"neutral","sentiment_score":0.019831059500575066}],"sentiment":"neutral","sentiment_score":-0.006374738014796201,"channel":0,"num_words":17,"start":2432.655,"end":2437.7751},{"sentences":[{"text":"I'm pretty sure you don't.","start":2437.7751,"end":2438.655,"sentiment":"neutral","sentiment_score":-0.05622827932238579},{"text":"I'm pretty sure you just","start":2438.655,"end":2439.5352,"sentiment":"neutral","sentiment_score":0.004930180427618325}],"sentiment":"neutral","sentiment_score":-0.02564904944738373,"channel":0,"num_words":10,"start":2437.7751,"end":2439.5352},{"sentences":[{"text":"Yep.","start":2439.48,"end":2439.98,"sentiment":"neutral","sentiment_score":0.006502635311335325}],"sentiment":"neutral","sentiment_score":0.006502635311335325,"channel":1,"num_words":1,"start":2439.48,"end":2439.98},{"sentences":[{"text":"have the license EPD and some income protection.","start":2439.5352,"end":2441.955,"sentiment":"neutral","sentiment_score":-0.003208708018064499}],"sentiment":"neutral","sentiment_score":-0.003208708018064499,"channel":0,"num_words":8,"start":2439.5352,"end":2441.955},{"sentences":[{"text":"Yeah.","start":2442.44,"end":2442.92,"sentiment":"neutral","sentiment_score":0.00672901701182127},{"text":"Yeah.","start":2442.92,"end":2443.32,"sentiment":"neutral","sentiment_score":0.003727413713932038},{"text":"Yeah.","start":2443.32,"end":2443.72,"sentiment":"neutral","sentiment_score":-0.0056107500568032265}],"sentiment":"neutral","sentiment_score":0.001615226889650027,"channel":1,"num_words":3,"start":2442.44,"end":2443.72},{"sentences":[{"text":"Scott","start":2443.695,"end":2444.0151,"sentiment":"neutral","sentiment_score":-0.0262928269803524}],"sentiment":"neutral","sentiment_score":-0.0262928269803524,"channel":0,"num_words":1,"start":2443.695,"end":2444.0151},{"sentences":[{"text":"Need compensation.","start":2443.72,"end":2444.46,"sentiment":"neutral","sentiment_score":-0.03440973162651062},{"text":"That's the one I got.","start":2444.52,"end":2445.32,"sentiment":"neutral","sentiment_score":0.00561392493546009},{"text":"Yeah.","start":2445.32,"end":2445.72,"sentiment":"neutral","sentiment_score":0.01971728727221489},{"text":"Yeah.","start":2445.72,"end":2446.22,"sentiment":"neutral","sentiment_score":0.025525301694869995}],"sentiment":"neutral","sentiment_score":0.0004991944879293442,"channel":1,"num_words":9,"start":2443.72,"end":2446.22},{"sentences":[{"text":"Yes.","start":2446.29,"end":2446.61,"sentiment":"neutral","sentiment_score":0.04212126135826111},{"text":"It's got yours.","start":2446.61,"end":2447.49,"sentiment":"neutral","sentiment_score":0.023695424509545166},{"text":"It's with Zurich, and you've got 300 and sorry.","start":2447.49,"end":2450.1301,"sentiment":"neutral","sentiment_score":0.03887436828679509},{"text":"525,000 of life and TBD, and then","start":2450.1301,"end":2453.81,"sentiment":"neutral","sentiment_score":0.04728253558278084}],"sentiment":"neutral","sentiment_score":0.03970272992737591,"channel":0,"num_words":20,"start":2446.29,"end":2453.81},{"sentences":[{"text":"Yep.","start":2453.775,"end":2454.275,"sentiment":"neutral","sentiment_score":0.06907853484153748}],"sentiment":"neutral","sentiment_score":0.06907853484153748,"channel":1,"num_words":1,"start":2453.775,"end":2454.275},{"sentences":[{"text":"you've got income protection as well.","start":2453.81,"end":2455.99,"sentiment":"neutral","sentiment_score":0.05978126389284929}],"sentiment":"neutral","sentiment_score":0.05978126389284929,"channel":0,"num_words":6,"start":2453.81,"end":2455.99},{"sentences":[{"text":"Yeah.","start":2458.4949,"end":2458.815,"sentiment":"neutral","sentiment_score":0.07380769401788712},{"text":"No.","start":2458.815,"end":2458.9749,"sentiment":"neutral","sentiment_score":0.0328608863055706},{"text":"That's good.","start":2458.9749,"end":2459.4548,"sentiment":"neutral","sentiment_score":0.17540258914232254}],"sentiment":"neutral","sentiment_score":0.1143684396520257,"channel":1,"num_words":4,"start":2458.4949,"end":2459.4548},{"sentences":[{"text":"Yeah.","start":2459.33,"end":2459.83,"sentiment":"neutral","sentiment_score":0.05190689116716385}],"sentiment":"neutral","sentiment_score":0.05190689116716385,"channel":0,"num_words":1,"start":2459.33,"end":2459.83},{"sentences":[{"text":"Yeah.","start":2459.4548,"end":2459.6948,"sentiment":"neutral","sentiment_score":0.012322120368480682},{"text":"No.","start":2459.6948,"end":2459.855,"sentiment":"neutral","sentiment_score":-0.052372969686985016},{"text":"I don't think","start":2459.855,"end":2460.255,"sentiment":"neutral","sentiment_score":-0.06359449277321498}],"sentiment":"neutral","sentiment_score":-0.04616686552762985,"channel":1,"num_words":5,"start":2459.4548,"end":2460.255},{"sentences":[{"text":"Yeah.","start":2460.21,"end":2460.675,"sentiment":"neutral","sentiment_score":-0.0538487508893013}],"sentiment":"neutral","sentiment_score":-0.0538487508893013,"channel":0,"num_words":1,"start":2460.21,"end":2460.675},{"sentences":[{"text":"we either of us what do you reckon you don't need?","start":2460.255,"end":2462.335,"sentiment":"neutral","sentiment_score":-0.0909814177588983},{"text":"No.","start":2462.335,"end":2462.61,"sentiment":"neutral","sentiment_score":-0.11552807688713074},{"text":"No.","start":2462.6902,"end":2462.9302,"sentiment":"neutral","sentiment_score":-0.10748956352472304},{"text":"We don't need","start":2462.9302,"end":2463.49,"sentiment":"neutral","sentiment_score":-0.11696047087510426}],"sentiment":"neutral","sentiment_score":-0.0984184155240655,"channel":1,"num_words":16,"start":2460.255,"end":2463.49},{"sentences":[{"text":"No.","start":2463.315,"end":2463.635,"sentiment":"neutral","sentiment_score":-0.16435256600379944}],"sentiment":"neutral","sentiment_score":-0.16435256600379944,"channel":0,"num_words":1,"start":2463.315,"end":2463.635},{"sentences":[{"text":"trauma.","start":2463.49,"end":2463.99,"sentiment":"neutral","sentiment_score":-0.1627832055091858}],"sentiment":"neutral","sentiment_score":-0.1627832055091858,"channel":1,"num_words":1,"start":2463.49,"end":2463.99},{"sentences":[{"text":"That's okay.","start":2463.635,"end":2464.355,"sentiment":"neutral","sentiment_score":0.0545488246716559},{"text":"All good.","start":2464.355,"end":2464.915,"sentiment":"neutral","sentiment_score":0.32726022601127625},{"text":"Happy with not having it, Scott.","start":2464.915,"end":2466.355,"sentiment":"neutral","sentiment_score":0.3144301176071167},{"text":"Easy.","start":2466.355,"end":2466.855,"sentiment":"neutral","sentiment_score":0.19847339391708377},{"text":"Income wise, your income protection was based on, obviously, your last","start":2467.555,"end":2471.575,"sentiment":"neutral","sentiment_score":0.033869439736008644}],"sentiment":"neutral","sentiment_score":0.14641981991007924,"channel":0,"num_words":22,"start":2463.635,"end":2471.575},{"sentences":[{"text":"Yep.","start":2471.25,"end":2471.75,"sentiment":"neutral","sentiment_score":0.013975429348647594},{"text":"Oh, yeah.","start":2471.8901,"end":2472.79,"sentiment":"neutral","sentiment_score":0.0022095320746302605}],"sentiment":"neutral","sentiment_score":0.006131497832636039,"channel":1,"num_words":3,"start":2471.25,"end":2472.79},{"sentences":[{"text":"income.","start":2472.835,"end":2473.315,"sentiment":"neutral","sentiment_score":-0.014943039044737816},{"text":"You've dropped your hours pretty significantly there.","start":2473.315,"end":2475.73,"sentiment":"neutral","sentiment_score":-0.06323288008570671},{"text":"Did you want me to review the level of income protection and maybe look to reduce that back if it's if if you're a bit over insured at the moment?","start":2475.73,"end":2483.2698,"sentiment":"neutral","sentiment_score":-0.04154467297097047}],"sentiment":"neutral","sentiment_score":-0.04483982602036313,"channel":0,"num_words":38,"start":2472.835,"end":2483.2698},{"sentences":[{"text":"Yes.","start":2483.245,"end":2483.645,"sentiment":"neutral","sentiment_score":0.1297331005334854},{"text":"Yep.","start":2483.645,"end":2483.965,"sentiment":"neutral","sentiment_score":0.19498276710510257},{"text":"That'll save","start":2483.965,"end":2484.5251,"sentiment":"positive","sentiment_score":0.37542442977428436}],"sentiment":"neutral","sentiment_score":0.26889118179678917,"channel":1,"num_words":4,"start":2483.245,"end":2484.5251},{"sentences":[{"text":"Yep.","start":2484.45,"end":2484.95,"sentiment":"positive","sentiment_score":0.4351634681224823}],"sentiment":"positive","sentiment_score":0.4351634681224823,"channel":0,"num_words":1,"start":2484.45,"end":2484.95},{"sentences":[{"text":"us some money.","start":2484.5251,"end":2485.085,"sentiment":"positive","sentiment_score":0.3894013464450836},{"text":"So","start":2485.085,"end":2485.585,"sentiment":"neutral","sentiment_score":0.2153136432170868}],"sentiment":"positive","sentiment_score":0.3458794206380844,"channel":1,"num_words":4,"start":2484.5251,"end":2485.585},{"sentences":[{"text":"Yeah.","start":2486.0498,"end":2486.3699,"sentiment":"neutral","sentiment_score":0.26603835821151733},{"text":"Absolutely.","start":2486.3699,"end":2486.8699,"sentiment":"positive","sentiment_score":0.37241190671920776},{"text":"I mean, with your life, TPD, and income protection, they're all paid out of super, which is a benefit because it means that you don't have to pay those premiums out of your back pocket.","start":2487.25,"end":2496.1648,"sentiment":"neutral","sentiment_score":0.3201092370918819},{"text":"However, because they are paid out of super, it does mean that it does have an effect.","start":2496.4648,"end":2501.345,"sentiment":"neutral","sentiment_score":0.28075433653943677},{"text":"That does lower the amount of super we'd","start":2501.345,"end":2503.6648,"sentiment":"neutral","sentiment_score":0.1570089841261506}],"sentiment":"neutral","sentiment_score":0.2882446638278423,"channel":0,"num_words":62,"start":2486.0498,"end":2503.6648},{"sentences":[{"text":"Yeah.","start":2503.5898,"end":2504.0898,"sentiment":"neutral","sentiment_score":0.004491819068789482}],"sentiment":"neutral","sentiment_score":0.004491819068789482,"channel":1,"num_words":1,"start":2503.5898,"end":2504.0898},{"sentences":[{"text":"expect you to end up in retirement.","start":2503.6648,"end":2505.66,"sentiment":"neutral","sentiment_score":-0.03599878932748522},{"text":"And all insurance premiums tend to get more expensive as you get older.","start":2505.96,"end":2510.2,"sentiment":"neutral","sentiment_score":-0.127186955167697},{"text":"So these will continue to get more expensive, which has a greater effect.","start":2510.2,"end":2514.14,"sentiment":"neutral","sentiment_score":-0.13555210714156812},{"text":"So we will definitely wanna make sure we review them with you and try to reduce them back as you no longer need that level of cover.","start":2514.36,"end":2521.115,"sentiment":"neutral","sentiment_score":-0.012591767366285677},{"text":"Because I have seen people in their, you know, fifties and sixties who are paying phenomenal premiums.","start":2522.135,"end":2527.675,"sentiment":"neutral","sentiment_score":0.02462685393059955}],"sentiment":"neutral","sentiment_score":-0.046609357628342396,"channel":0,"num_words":77,"start":2503.6648,"end":2527.675},{"sentences":[{"text":"I'm talking,","start":2527.735,"end":2528.375,"sentiment":"neutral","sentiment_score":0.05870685540139675}],"sentiment":"neutral","sentiment_score":0.05870685540139675,"channel":0,"num_words":2,"start":2527.735,"end":2528.375},{"sentences":[{"text":"Yep.","start":2528.32,"end":2528.6401,"sentiment":"neutral","sentiment_score":0.056740835309028625}],"sentiment":"neutral","sentiment_score":0.056740835309028625,"channel":1,"num_words":1,"start":2528.32,"end":2528.6401},{"sentences":[{"text":"like,","start":2528.375,"end":2528.695,"sentiment":"neutral","sentiment_score":0.055027320981025696}],"sentiment":"neutral","sentiment_score":0.055027320981025696,"channel":0,"num_words":1,"start":2528.375,"end":2528.695},{"sentences":[{"text":"Yep.","start":2528.6401,"end":2529.1401,"sentiment":"neutral","sentiment_score":0.05284815654158592}],"sentiment":"neutral","sentiment_score":0.05284815654158592,"channel":1,"num_words":1,"start":2528.6401,"end":2529.1401},{"sentences":[{"text":"$10.15, $20,000 in premiums.","start":2528.695,"end":2531.675,"sentiment":"neutral","sentiment_score":0.05815952830016613},{"text":"So we","start":2531.815,"end":2532.695,"sentiment":"neutral","sentiment_score":0.040095649659633636}],"sentiment":"neutral","sentiment_score":0.05213823541998863,"channel":0,"num_words":6,"start":2528.695,"end":2532.695},{"sentences":[{"text":"Well,","start":2532.575,"end":2533.075,"sentiment":"neutral","sentiment_score":0.0578535757958889}],"sentiment":"neutral","sentiment_score":0.0578535757958889,"channel":1,"num_words":1,"start":2532.575,"end":2533.075},{"sentences":[{"text":"just wanna make sure that you guys are not having all your","start":2532.695,"end":2536.02,"sentiment":"neutral","sentiment_score":0.06296399794518948}],"sentiment":"neutral","sentiment_score":0.06296399794518948,"channel":0,"num_words":12,"start":2532.695,"end":2536.02},{"sentences":[{"text":"overpaying.","start":2535.855,"end":2536.355,"sentiment":"neutral","sentiment_score":-0.043180596083402634}],"sentiment":"neutral","sentiment_score":-0.043180596083402634,"channel":1,"num_words":1,"start":2535.855,"end":2536.355},{"sentences":[{"text":"super easy way.","start":2536.02,"end":2537.1602,"sentiment":"neutral","sentiment_score":0.28351880113283795},{"text":"Yeah.","start":2537.3801,"end":2537.78,"sentiment":"neutral","sentiment_score":0.061229728162288666},{"text":"Correct.","start":2537.78,"end":2538.28,"sentiment":"neutral","sentiment_score":0.06401695311069489}],"sentiment":"neutral","sentiment_score":0.19516061693429948,"channel":0,"num_words":5,"start":2536.02,"end":2538.28},{"sentences":[{"text":"Well, even","start":2538.015,"end":2538.4949,"sentiment":"neutral","sentiment_score":0.0451187826693058}],"sentiment":"neutral","sentiment_score":0.0451187826693058,"channel":1,"num_words":2,"start":2538.015,"end":2538.4949},{"sentences":[{"text":"Correct.","start":2538.4202,"end":2538.9202,"sentiment":"neutral","sentiment_score":0.023081395775079727}],"sentiment":"neutral","sentiment_score":0.023081395775079727,"channel":0,"num_words":1,"start":2538.4202,"end":2538.9202},{"sentences":[{"text":"needs 525 in cover.","start":2538.4949,"end":2540.515,"sentiment":"neutral","sentiment_score":0.0003836606629192829}],"sentiment":"neutral","sentiment_score":0.0003836606629192829,"channel":1,"num_words":4,"start":2538.4949,"end":2540.515},{"sentences":[{"text":"Well,","start":2541.3,"end":2541.7,"sentiment":"neutral","sentiment_score":0.012414122931659222}],"sentiment":"neutral","sentiment_score":0.012414122931659222,"channel":0,"num_words":1,"start":2541.3,"end":2541.7},{"sentences":[{"text":"Okay.","start":2541.695,"end":2541.935,"sentiment":"neutral","sentiment_score":0.01741117611527443}],"sentiment":"neutral","sentiment_score":0.01741117611527443,"channel":1,"num_words":1,"start":2541.695,"end":2541.935},{"sentences":[{"text":"let's","start":2541.7,"end":2541.94,"sentiment":"neutral","sentiment_score":0.013832557015120985}],"sentiment":"neutral","sentiment_score":0.013832557015120985,"channel":0,"num_words":1,"start":2541.7,"end":2541.94},{"sentences":[{"text":"Yeah.","start":2541.935,"end":2542.175,"sentiment":"neutral","sentiment_score":0.011556347832083702}],"sentiment":"neutral","sentiment_score":0.011556347832083702,"channel":1,"num_words":1,"start":2541.935,"end":2542.175},{"sentences":[{"text":"have","start":2541.94,"end":2542.1802,"sentiment":"neutral","sentiment_score":0.004610534757375717}],"sentiment":"neutral","sentiment_score":0.004610534757375717,"channel":0,"num_words":1,"start":2541.94,"end":2542.1802},{"sentences":[{"text":"Like,","start":2542.175,"end":2542.335,"sentiment":"neutral","sentiment_score":0.01074235886335373}],"sentiment":"neutral","sentiment_score":0.01074235886335373,"channel":1,"num_words":1,"start":2542.175,"end":2542.335},{"sentences":[{"text":"a","start":2542.1802,"end":2542.34,"sentiment":"neutral","sentiment_score":0.009229110553860664}],"sentiment":"neutral","sentiment_score":0.009229110553860664,"channel":0,"num_words":1,"start":2542.1802,"end":2542.34},{"sentences":[{"text":"that's","start":2542.335,"end":2542.59,"sentiment":"neutral","sentiment_score":0.007813386619091034}],"sentiment":"neutral","sentiment_score":0.007813386619091034,"channel":1,"num_words":1,"start":2542.335,"end":2542.59},{"sentences":[{"text":"look at that.","start":2542.34,"end":2543.24,"sentiment":"neutral","sentiment_score":0.008556206400195757},{"text":"Yes.","start":2543.3,"end":2543.8,"sentiment":"neutral","sentiment_score":0.036778148263692856}],"sentiment":"neutral","sentiment_score":0.015611691866070032,"channel":0,"num_words":4,"start":2542.34,"end":2543.8},{"sentences":[{"text":"yeah.","start":2543.55,"end":2543.79,"sentiment":"neutral","sentiment_score":0.024180375039577484},{"text":"Because that's","start":2543.79,"end":2544.1902,"sentiment":"neutral","sentiment_score":0.008884393377229571}],"sentiment":"neutral","sentiment_score":0.013983053931345543,"channel":1,"num_words":3,"start":2543.55,"end":2544.1902},{"sentences":[{"text":"So","start":2544.1,"end":2544.6,"sentiment":"neutral","sentiment_score":0.0012692958116531372}],"sentiment":"neutral","sentiment_score":0.0012692958116531372,"channel":0,"num_words":1,"start":2544.1,"end":2544.6},{"sentences":[{"text":"that was when we had a pretty big home loan.","start":2544.27,"end":2545.87,"sentiment":"neutral","sentiment_score":-0.012448854371905326},{"text":"I just wanted to make sure Lisa was right.","start":2545.87,"end":2547.6301,"sentiment":"neutral","sentiment_score":0.017086052232318454},{"text":"But","start":2547.6301,"end":2548.1301,"sentiment":"neutral","sentiment_score":-0.006674673408269882}],"sentiment":"neutral","sentiment_score":0.0011305626481771468,"channel":1,"num_words":20,"start":2544.27,"end":2548.1301},{"sentences":[{"text":"yeah.","start":2548.34,"end":2548.84,"sentiment":"neutral","sentiment_score":-0.012513264082372189}],"sentiment":"neutral","sentiment_score":-0.012513264082372189,"channel":0,"num_words":1,"start":2548.34,"end":2548.84},{"sentences":[{"text":"We","start":2549.23,"end":2549.47,"sentiment":"neutral","sentiment_score":-0.01272709108889103}],"sentiment":"neutral","sentiment_score":-0.01272709108889103,"channel":1,"num_words":1,"start":2549.23,"end":2549.47},{"sentences":[{"text":"Correct.","start":2549.235,"end":2549.735,"sentiment":"neutral","sentiment_score":-0.025806916877627373}],"sentiment":"neutral","sentiment_score":-0.025806916877627373,"channel":0,"num_words":1,"start":2549.235,"end":2549.735},{"sentences":[{"text":"may not even","start":2549.47,"end":2550.11,"sentiment":"neutral","sentiment_score":-0.05468651403983434}],"sentiment":"neutral","sentiment_score":-0.05468651403983434,"channel":1,"num_words":3,"start":2549.47,"end":2550.11},{"sentences":[{"text":"Correct.","start":2549.955,"end":2550.455,"sentiment":"neutral","sentiment_score":-0.03946424275636673}],"sentiment":"neutral","sentiment_score":-0.03946424275636673,"channel":0,"num_words":1,"start":2549.955,"end":2550.455},{"sentences":[{"text":"know by the time.","start":2550.11,"end":2551.1501,"sentiment":"neutral","sentiment_score":-0.029937252402305603},{"text":"So we could probably drop that into a just so she gets something.","start":2551.1501,"end":2554.11,"sentiment":"neutral","sentiment_score":-0.023369331772510823},{"text":"But","start":2554.11,"end":2554.61,"sentiment":"neutral","sentiment_score":0.04829509183764458}],"sentiment":"neutral","sentiment_score":-0.02084751282301214,"channel":1,"num_words":18,"start":2550.11,"end":2554.61},{"sentences":[{"text":"Yeah.","start":2555.3152,"end":2555.715,"sentiment":"neutral","sentiment_score":0.08985276520252228},{"text":"Correct.","start":2555.715,"end":2556.215,"sentiment":"neutral","sentiment_score":0.17522594332695007},{"text":"So let's have a look at your super balance and see where that's up to.","start":2556.5151,"end":2560.5352,"sentiment":"neutral","sentiment_score":0.15128735254208248},{"text":"So given that your mortgage is basically fully off offset, even if you do, say, take a bit of money out, you said you'd probably take about 100,000 out of that for the the purchase of the caravan or the the motor home.","start":2560.7551,"end":2576.39,"sentiment":"neutral","sentiment_score":0.12277133364317029}],"sentiment":"neutral","sentiment_score":0.13022593905528387,"channel":0,"num_words":60,"start":2555.3152,"end":2576.39},{"sentences":[{"text":"Yep.","start":2576.6802,"end":2577.0,"sentiment":"neutral","sentiment_score":0.1345214545726776},{"text":"Yeah.","start":2577.0,"end":2577.32,"sentiment":"neutral","sentiment_score":0.12326471507549286},{"text":"Possibly about 50 to 100.","start":2577.32,"end":2578.9402,"sentiment":"neutral","sentiment_score":0.10216564536094666}],"sentiment":"neutral","sentiment_score":0.1098020566361291,"channel":1,"num_words":7,"start":2576.6802,"end":2578.9402},{"sentences":[{"text":"Yeah.","start":2579.5698,"end":2580.0698,"sentiment":"neutral","sentiment_score":0.0896383598446846},{"text":"So just looking at things, that realistically means in the event of, say, you passing away, in order to be debt free, it'd be looking to pay off that portion of the mortgage that you do use, but then also the car loans if it's within that time frame.","start":2580.315,"end":2593.86,"sentiment":"neutral","sentiment_score":0.05424040875264576}],"sentiment":"neutral","sentiment_score":0.05494836777448654,"channel":0,"num_words":50,"start":2579.5698,"end":2593.86},{"sentences":[{"text":"Yes.","start":2593.7349,"end":2594.135,"sentiment":"neutral","sentiment_score":-0.0009723976254463196},{"text":"So it's just gonna be out of that","start":2594.135,"end":2595.255,"sentiment":"neutral","sentiment_score":-0.04837082885205746}],"sentiment":"neutral","sentiment_score":-0.04310433649354511,"channel":1,"num_words":9,"start":2593.7349,"end":2595.255},{"sentences":[{"text":"So","start":2595.1401,"end":2595.6401,"sentiment":"neutral","sentiment_score":-0.02033233642578125}],"sentiment":"neutral","sentiment_score":-0.02033233642578125,"channel":0,"num_words":1,"start":2595.1401,"end":2595.6401},{"sentences":[{"text":"pretty much.","start":2595.255,"end":2595.815,"sentiment":"neutral","sentiment_score":-0.017970160581171513},{"text":"Yeah.","start":2595.815,"end":2596.315,"sentiment":"neutral","sentiment_score":0.014356855303049088},{"text":"So, yeah, it could","start":2596.4001,"end":2596.96,"sentiment":"neutral","sentiment_score":0.030306987464427948}],"sentiment":"neutral","sentiment_score":0.014234926285488265,"channel":1,"num_words":7,"start":2595.255,"end":2596.96},{"sentences":[{"text":"yeah.","start":2596.9001,"end":2597.4001,"sentiment":"neutral","sentiment_score":-0.00855083018541336}],"sentiment":"neutral","sentiment_score":-0.00855083018541336,"channel":0,"num_words":1,"start":2596.9001,"end":2597.4001},{"sentences":[{"text":"probably be a lot more.","start":2596.96,"end":2600.3801,"sentiment":"neutral","sentiment_score":-0.049997390061616895}],"sentiment":"neutral","sentiment_score":-0.049997390061616895,"channel":1,"num_words":5,"start":2596.96,"end":2600.3801},{"sentences":[{"text":"I'm just","start":2601.86,"end":2602.34,"sentiment":"neutral","sentiment_score":0.01778967445716262}],"sentiment":"neutral","sentiment_score":0.01778967445716262,"channel":0,"num_words":2,"start":2601.86,"end":2602.34},{"sentences":[{"text":"Yes.","start":2602.32,"end":2602.56,"sentiment":"neutral","sentiment_score":0.01990436390042305}],"sentiment":"neutral","sentiment_score":0.01990436390042305,"channel":1,"num_words":1,"start":2602.32,"end":2602.56},{"sentences":[{"text":"logging","start":2602.34,"end":2602.6602,"sentiment":"neutral","sentiment_score":0.01534336619079113}],"sentiment":"neutral","sentiment_score":0.01534336619079113,"channel":0,"num_words":1,"start":2602.34,"end":2602.6602},{"sentences":[{"text":"It","start":2602.56,"end":2602.72,"sentiment":"neutral","sentiment_score":-0.00047394633293151855}],"sentiment":"neutral","sentiment_score":-0.00047394633293151855,"channel":1,"num_words":1,"start":2602.56,"end":2602.72},{"sentences":[{"text":"in","start":2602.6602,"end":2602.82,"sentiment":"neutral","sentiment_score":0.005005601793527603}],"sentiment":"neutral","sentiment_score":0.005005601793527603,"channel":0,"num_words":1,"start":2602.6602,"end":2602.82},{"sentences":[{"text":"might","start":2602.72,"end":2602.8398,"sentiment":"neutral","sentiment_score":0.00959877297282219}],"sentiment":"neutral","sentiment_score":0.00959877297282219,"channel":1,"num_words":1,"start":2602.72,"end":2602.8398},{"sentences":[{"text":"to","start":2602.82,"end":2602.9802,"sentiment":"neutral","sentiment_score":0.01205684244632721}],"sentiment":"neutral","sentiment_score":0.01205684244632721,"channel":0,"num_words":1,"start":2602.82,"end":2602.9802},{"sentences":[{"text":"that","start":2602.96,"end":2603.12,"sentiment":"neutral","sentiment_score":0.015855632722377777}],"sentiment":"neutral","sentiment_score":0.015855632722377777,"channel":1,"num_words":1,"start":2602.96,"end":2603.12},{"sentences":[{"text":"HubSpot","start":2602.9802,"end":2603.4802,"sentiment":"neutral","sentiment_score":0.014227288775146008}],"sentiment":"neutral","sentiment_score":0.014227288775146008,"channel":0,"num_words":1,"start":2602.9802,"end":2603.4802},{"sentences":[{"text":"might pay","start":2603.12,"end":2603.6,"sentiment":"neutral","sentiment_score":-0.0325130894780159}],"sentiment":"neutral","sentiment_score":-0.0325130894780159,"channel":1,"num_words":2,"start":2603.12,"end":2603.6},{"sentences":[{"text":"real","start":2603.54,"end":2603.78,"sentiment":"neutral","sentiment_score":-0.07250076532363892}],"sentiment":"neutral","sentiment_score":-0.07250076532363892,"channel":0,"num_words":1,"start":2603.54,"end":2603.78},{"sentences":[{"text":"to drop","start":2603.6,"end":2604.0,"sentiment":"neutral","sentiment_score":-0.03390875272452831}],"sentiment":"neutral","sentiment_score":-0.03390875272452831,"channel":1,"num_words":2,"start":2603.6,"end":2604.0},{"sentences":[{"text":"quick.","start":2603.78,"end":2604.28,"sentiment":"neutral","sentiment_score":-0.004012484103441238}],"sentiment":"neutral","sentiment_score":-0.004012484103441238,"channel":0,"num_words":1,"start":2603.78,"end":2604.28},{"sentences":[{"text":"that once we know what we're we're in for.","start":2604.0,"end":2606.34,"sentiment":"neutral","sentiment_score":0.005999759046567811}],"sentiment":"neutral","sentiment_score":0.005999759046567811,"channel":1,"num_words":9,"start":2604.0,"end":2606.34},{"sentences":[{"text":"Yeah.","start":2607.06,"end":2607.4602,"sentiment":"neutral","sentiment_score":0.1672587692737579},{"text":"Absolutely.","start":2607.4602,"end":2607.9602,"sentiment":"neutral","sentiment_score":0.30571842193603516},{"text":"Absolutely.","start":2608.26,"end":2608.76,"sentiment":"neutral","sentiment_score":0.30042755603790283},{"text":"And","start":2608.82,"end":2608.9802,"sentiment":"neutral","sentiment_score":0.24532988667488095}],"sentiment":"neutral","sentiment_score":0.2546836584806442,"channel":0,"num_words":4,"start":2607.06,"end":2608.9802},{"sentences":[{"text":"Yeah.","start":2608.96,"end":2609.46,"sentiment":"neutral","sentiment_score":0.26749226450920105}],"sentiment":"neutral","sentiment_score":0.26749226450920105,"channel":1,"num_words":1,"start":2608.96,"end":2609.46},{"sentences":[{"text":"it comes down to your goal there.","start":2608.9802,"end":2610.625,"sentiment":"neutral","sentiment_score":0.26127094669001444},{"text":"So when you look at your super balance at the moment, your balance as of today's date, you've got 699,532.","start":2610.625,"end":2620.4048,"sentiment":"neutral","sentiment_score":0.1278553631156683},{"text":"So when we sort of look at this, if you were to pass away today","start":2620.785,"end":2624.8098,"sentiment":"neutral","sentiment_score":-0.0015544253091017404}],"sentiment":"neutral","sentiment_score":0.10387351213111765,"channel":0,"num_words":42,"start":2608.9802,"end":2624.8098},{"sentences":[{"text":"Yeah.","start":2625.7,"end":2626.2,"sentiment":"neutral","sentiment_score":0.04335526376962662}],"sentiment":"neutral","sentiment_score":0.04335526376962662,"channel":1,"num_words":1,"start":2625.7,"end":2626.2},{"sentences":[{"text":"and say, at the moment, your mortgage is fully offset, so you don't","start":2625.99,"end":2630.15,"sentiment":"neutral","sentiment_score":0.06587512218035184}],"sentiment":"neutral","sentiment_score":0.06587512218035184,"channel":0,"num_words":13,"start":2625.99,"end":2630.15},{"sentences":[{"text":"Yeah.","start":2630.0999,"end":2630.5999,"sentiment":"neutral","sentiment_score":0.061192162334918976}],"sentiment":"neutral","sentiment_score":0.061192162334918976,"channel":1,"num_words":1,"start":2630.0999,"end":2630.5999},{"sentences":[{"text":"have to worry about paying that back.","start":2630.15,"end":2632.0898,"sentiment":"neutral","sentiment_score":0.012529720685311727},{"text":"But then looking at the other debts that you do have, you've essentially just got the two car loans.","start":2632.23,"end":2637.725,"sentiment":"neutral","sentiment_score":0.014410810250984995},{"text":"So","start":2637.725,"end":2638.225,"sentiment":"neutral","sentiment_score":0.016079602763056755}],"sentiment":"neutral","sentiment_score":0.013984927493664954,"channel":0,"num_words":27,"start":2630.15,"end":2638.225},{"sentences":[{"text":"Yeah.","start":2637.7798,"end":2638.2798,"sentiment":"neutral","sentiment_score":0.01295520644634962}],"sentiment":"neutral","sentiment_score":0.01295520644634962,"channel":1,"num_words":1,"start":2637.7798,"end":2638.2798},{"sentences":[{"text":"43","start":2638.685,"end":2639.405,"sentiment":"neutral","sentiment_score":0.013143626973032951}],"sentiment":"neutral","sentiment_score":0.013143626973032951,"channel":0,"num_words":1,"start":2638.685,"end":2639.405},{"sentences":[{"text":"Yeah.","start":2639.085,"end":2639.585,"sentiment":"neutral","sentiment_score":0.01370152086019516}],"sentiment":"neutral","sentiment_score":0.01370152086019516,"channel":1,"num_words":1,"start":2639.085,"end":2639.585},{"sentences":[{"text":"thousand and 70.","start":2639.405,"end":2641.825,"sentiment":"neutral","sentiment_score":0.021741290887196858},{"text":"So it's about a 113,000 that would have to be paid off in debt.","start":2642.7651,"end":2646.625,"sentiment":"neutral","sentiment_score":0.001371528288083417},{"text":"So","start":2646.925,"end":2647.245,"sentiment":"neutral","sentiment_score":0.06281506270170212}],"sentiment":"neutral","sentiment_score":0.008180018410914473,"channel":0,"num_words":18,"start":2639.405,"end":2647.245},{"sentences":[{"text":"Yeah.","start":2647.085,"end":2647.585,"sentiment":"neutral","sentiment_score":0.09572472423315048}],"sentiment":"neutral","sentiment_score":0.09572472423315048,"channel":1,"num_words":1,"start":2647.085,"end":2647.585},{"sentences":[{"text":"$6.99 $5.03 2 minus a 113 essentially means with your super balance paid at as your life benefit.","start":2647.245,"end":2659.18,"sentiment":"neutral","sentiment_score":0.10949171665641996},{"text":"This is not factoring in any additional life insurance.","start":2659.18,"end":2662.0,"sentiment":"neutral","sentiment_score":0.009990918139616648},{"text":"It means that","start":2662.38,"end":2663.0198,"sentiment":"neutral","sentiment_score":0.17657649020353952}],"sentiment":"neutral","sentiment_score":0.08634995445609092,"channel":0,"num_words":30,"start":2647.245,"end":2663.0198},{"sentences":[{"text":"Yep.","start":2662.83,"end":2663.33,"sentiment":"neutral","sentiment_score":0.24068063497543335}],"sentiment":"neutral","sentiment_score":0.24068063497543335,"channel":1,"num_words":1,"start":2662.83,"end":2663.33},{"sentences":[{"text":"Lisa could then receive $586,005.32 plus you guys being fully debt free there.","start":2663.0198,"end":2670.1448,"sentiment":"neutral","sentiment_score":0.24589935862101042}],"sentiment":"neutral","sentiment_score":0.24589935862101042,"channel":0,"num_words":13,"start":2663.0198,"end":2670.1448},{"sentences":[{"text":"That's","start":2671.295,"end":2671.615,"sentiment":"neutral","sentiment_score":0.10871899127960204}],"sentiment":"neutral","sentiment_score":0.10871899127960204,"channel":1,"num_words":1,"start":2671.295,"end":2671.615},{"sentences":[{"text":"Realistically,","start":2671.565,"end":2672.065,"sentiment":"neutral","sentiment_score":0.11045681685209274}],"sentiment":"neutral","sentiment_score":0.11045681685209274,"channel":0,"num_words":1,"start":2671.565,"end":2672.065},{"sentences":[{"text":"for that insurance.","start":2671.615,"end":2672.575,"sentiment":"neutral","sentiment_score":0.0666730764011542}],"sentiment":"neutral","sentiment_score":0.0666730764011542,"channel":1,"num_words":3,"start":2671.615,"end":2672.575},{"sentences":[{"text":"do you","start":2672.365,"end":2673.025,"sentiment":"neutral","sentiment_score":0.02828686498105526}],"sentiment":"neutral","sentiment_score":0.02828686498105526,"channel":0,"num_words":2,"start":2672.365,"end":2673.025},{"sentences":[{"text":"Yeah.","start":2672.575,"end":2673.075,"sentiment":"neutral","sentiment_score":0.0846148431301117}],"sentiment":"neutral","sentiment_score":0.0846148431301117,"channel":1,"num_words":1,"start":2672.575,"end":2673.075},{"sentences":[{"text":"yeah.","start":2673.4048,"end":2673.885,"sentiment":"neutral","sentiment_score":0.07790279388427734},{"text":"Do you feel like that's enough?","start":2673.885,"end":2675.565,"sentiment":"neutral","sentiment_score":0.04579903061191241},{"text":"Do you feel like having a bit of life cover on top of that would provide more benefit?","start":2675.565,"end":2680.5498,"sentiment":"neutral","sentiment_score":0.1162312850356102},{"text":"How do you feel about that sort of stuff?","start":2680.69,"end":2682.63,"sentiment":"neutral","sentiment_score":-0.2267650134033627}],"sentiment":"neutral","sentiment_score":0.011881617281366797,"channel":0,"num_words":34,"start":2673.4048,"end":2682.63},{"sentences":[{"text":"No.","start":2683.3499,"end":2683.59,"sentiment":"negative","sentiment_score":-0.651664137840271},{"text":"We could probably suck your cake.","start":2683.59,"end":2686.47,"sentiment":"negative","sentiment_score":-0.6977506081263224},{"text":"What do you want?","start":2686.47,"end":2687.29,"sentiment":"negative","sentiment_score":-0.3984384834766388},{"text":"K.","start":2687.3499,"end":2687.8499,"sentiment":"neutral","sentiment_score":-0.17946183681488037},{"text":"Not for you because this is if I'm gone, is that enough for you to live off?","start":2688.07,"end":2691.93,"sentiment":"negative","sentiment_score":-0.39417731761932373}],"sentiment":"negative","sentiment_score":-0.45904820540855673,"channel":1,"num_words":29,"start":2683.3499,"end":2691.93},{"sentences":[{"text":"I feel gone.","start":2692.23,"end":2692.8699,"sentiment":"negative","sentiment_score":-0.5080084602038065},{"text":"I don't need as much to live off.","start":2692.8699,"end":2694.23,"sentiment":"negative","sentiment_score":-0.449663870036602},{"text":"Can you leave more extravagant than me?","start":2694.23,"end":2696.885,"sentiment":"negative","sentiment_score":-0.35149999601500376},{"text":"Sorry.","start":2698.385,"end":2698.705,"sentiment":"neutral","sentiment_score":-0.17825262248516083},{"text":"We can","start":2698.705,"end":2699.0251,"sentiment":"neutral","sentiment_score":-0.08258979022502899}],"sentiment":"negative","sentiment_score":-0.3773937388544991,"channel":1,"num_words":21,"start":2692.23,"end":2699.0251},{"sentences":[{"text":"You just","start":2698.9448,"end":2699.345,"sentiment":"neutral","sentiment_score":-0.1012016013264656}],"sentiment":"neutral","sentiment_score":-0.1012016013264656,"channel":0,"num_words":2,"start":2698.9448,"end":2699.345},{"sentences":[{"text":"probably because because that'll make the Some are basics.","start":2699.0251,"end":2702.485,"sentiment":"neutral","sentiment_score":-0.05737227780951394},{"text":"So if we drop that, that means that the soup is gonna grow quicker, isn't it?","start":2702.705,"end":2707.125,"sentiment":"neutral","sentiment_score":-0.06136901141144335},{"text":"Yeah.","start":2707.185,"end":2707.685,"sentiment":"neutral","sentiment_score":0.06250382959842682}],"sentiment":"neutral","sentiment_score":-0.055221186664242014,"channel":1,"num_words":26,"start":2699.0251,"end":2707.685},{"sentences":[{"text":"Yes.","start":2707.68,"end":2708.18,"sentiment":"neutral","sentiment_score":0.12530554831027985},{"text":"Yes.","start":2708.24,"end":2708.64,"sentiment":"neutral","sentiment_score":0.14000505208969116},{"text":"Yeah.","start":2708.64,"end":2708.96,"sentiment":"neutral","sentiment_score":0.13803984224796295},{"text":"At","start":2708.96,"end":2709.1199,"sentiment":"neutral","sentiment_score":0.17006731033325195}],"sentiment":"neutral","sentiment_score":0.14335443824529648,"channel":0,"num_words":4,"start":2707.68,"end":2709.1199},{"sentences":[{"text":"Yep.","start":2709.1,"end":2709.6,"sentiment":"neutral","sentiment_score":0.14652019739151}],"sentiment":"neutral","sentiment_score":0.14652019739151,"channel":1,"num_words":1,"start":2709.1,"end":2709.6},{"sentences":[{"text":"the moment, based on the last valuation I have of your premium, it was 3,795 deducted from super for the insurance costs.","start":2709.1199,"end":2719.8599,"sentiment":"neutral","sentiment_score":0.09827083857222037},{"text":"I mean,","start":2720.235,"end":2720.875,"sentiment":"neutral","sentiment_score":0.0809750109910965}],"sentiment":"neutral","sentiment_score":0.09682951960712671,"channel":0,"num_words":24,"start":2709.1199,"end":2720.875},{"sentences":[{"text":"Yeah.","start":2720.86,"end":2721.36,"sentiment":"neutral","sentiment_score":0.1379469335079193}],"sentiment":"neutral","sentiment_score":0.1379469335079193,"channel":1,"num_words":1,"start":2720.86,"end":2721.36},{"sentences":[{"text":"if you wanted to, I could look at even just halving the insurances to start with, and we maybe drop it to 250,000 to give you a base level of cover, and then we could always look to reduce it back.","start":2720.875,"end":2731.8352,"sentiment":"neutral","sentiment_score":0.12039823875558085},{"text":"That would sort of mean that in the event of passing, if you had $2.50 and","start":2731.8352,"end":2736.32,"sentiment":"neutral","sentiment_score":0.1197850201278925}],"sentiment":"neutral","sentiment_score":0.12022610721096658,"channel":0,"num_words":57,"start":2720.875,"end":2736.32},{"sentences":[{"text":"Yep.","start":2736.8352,"end":2737.3352,"sentiment":"neutral","sentiment_score":0.10929688811302184}],"sentiment":"neutral","sentiment_score":0.10929688811302184,"channel":1,"num_words":1,"start":2736.8352,"end":2737.3352},{"sentences":[{"text":"factoring in the fact that you wanna get that camper as well, so then say it would replace the 100,000 as a max on","start":2737.6602,"end":2745.34,"sentiment":"neutral","sentiment_score":0.09940033840636413}],"sentiment":"neutral","sentiment_score":0.09940033840636413,"channel":0,"num_words":24,"start":2737.6602,"end":2745.34},{"sentences":[{"text":"Yep.","start":2745.23,"end":2745.63,"sentiment":"neutral","sentiment_score":0.04127205908298493}],"sentiment":"neutral","sentiment_score":0.04127205908298493,"channel":1,"num_words":1,"start":2745.23,"end":2745.63},{"sentences":[{"text":"the loan","start":2745.34,"end":2745.9001,"sentiment":"neutral","sentiment_score":0.02711073961108923}],"sentiment":"neutral","sentiment_score":0.02711073961108923,"channel":0,"num_words":2,"start":2745.34,"end":2745.9001},{"sentences":[{"text":"That","start":2745.63,"end":2745.95,"sentiment":"neutral","sentiment_score":0.06558510661125183}],"sentiment":"neutral","sentiment_score":0.06558510661125183,"channel":1,"num_words":1,"start":2745.63,"end":2745.95},{"sentences":[{"text":"if","start":2745.9001,"end":2745.98,"sentiment":"neutral","sentiment_score":0.12208248674869536}],"sentiment":"neutral","sentiment_score":0.12208248674869536,"channel":0,"num_words":1,"start":2745.9001,"end":2745.98},{"sentences":[{"text":"sounds","start":2745.95,"end":2746.19,"sentiment":"neutral","sentiment_score":0.1314137727022171}],"sentiment":"neutral","sentiment_score":0.1314137727022171,"channel":1,"num_words":1,"start":2745.95,"end":2746.19},{"sentences":[{"text":"you redraw","start":2745.98,"end":2746.62,"sentiment":"neutral","sentiment_score":0.10589439794421196}],"sentiment":"neutral","sentiment_score":0.10589439794421196,"channel":0,"num_words":2,"start":2745.98,"end":2746.62},{"sentences":[{"text":"good.","start":2746.19,"end":2746.69,"sentiment":"neutral","sentiment_score":0.1191948652267456}],"sentiment":"neutral","sentiment_score":0.1191948652267456,"channel":1,"num_words":1,"start":2746.19,"end":2746.69},{"sentences":[{"text":"that off,","start":2746.62,"end":2747.36,"sentiment":"neutral","sentiment_score":0.06734088994562626}],"sentiment":"neutral","sentiment_score":0.06734088994562626,"channel":0,"num_words":2,"start":2746.62,"end":2747.36},{"sentences":[{"text":"Yep.","start":2747.79,"end":2748.29,"sentiment":"neutral","sentiment_score":0.0662831962108612}],"sentiment":"neutral","sentiment_score":0.0662831962108612,"channel":1,"num_words":1,"start":2747.79,"end":2748.29},{"sentences":[{"text":"plus the 113,000.","start":2747.9001,"end":2749.865,"sentiment":"neutral","sentiment_score":0.07012782245874405},{"text":"That's $2.63.","start":2750.805,"end":2752.485,"sentiment":"neutral","sentiment_score":0.08225727453827858},{"text":"So the $2.50 would cover all your debts essentially.","start":2752.485,"end":2757.305,"sentiment":"neutral","sentiment_score":0.10074845660063955},{"text":"10 yeah.","start":2757.925,"end":2758.565,"sentiment":"neutral","sentiment_score":0.08039025962352753},{"text":"There's, like, just a 13,000 left over to maybe come out of your super to benefit, but then it means that all of the super can be paid to Lisa as a benefit to sort of help her along.","start":2758.565,"end":2770.18,"sentiment":"neutral","sentiment_score":0.14886318548367575}],"sentiment":"neutral","sentiment_score":0.13178325234489008,"channel":0,"num_words":55,"start":2747.9001,"end":2770.18},{"sentences":[{"text":"She can, you know, put","start":2770.8,"end":2771.68,"sentiment":"neutral","sentiment_score":0.1839512825012207}],"sentiment":"neutral","sentiment_score":0.1839512825012207,"channel":0,"num_words":5,"start":2770.8,"end":2771.68},{"sentences":[{"text":"Yep.","start":2771.5798,"end":2772.0798,"sentiment":"neutral","sentiment_score":0.15986797213554382}],"sentiment":"neutral","sentiment_score":0.15986797213554382,"channel":1,"num_words":1,"start":2771.5798,"end":2772.0798},{"sentences":[{"text":"it aside, invest, whatever she wants to do.","start":2771.68,"end":2774.205,"sentiment":"neutral","sentiment_score":0.17722479812800884},{"text":"The money also paid as a death benefit doesn't have to be paid as a lump sum.","start":2774.925,"end":2779.405,"sentiment":"neutral","sentiment_score":0.10036235740956138},{"text":"So the way death benefits work is if you were to pass away, we help with the claim, but then you get the choice of taking the money out solely as a lump sum benefit, or it can stay in the super system, and it goes into a a death benefit for you as a pension.","start":2779.405,"end":2798.5298,"sentiment":"neutral","sentiment_score":0.14995066914707422},{"text":"And you can be drawing that money out of the pension on a regular basis as regular income and keep it invested.","start":2799.15,"end":2805.805,"sentiment":"neutral","sentiment_score":0.21420954828235236},{"text":"So if one of you would have passed away, that's how your super benefit can be paid.","start":2805.945,"end":2811.385,"sentiment":"neutral","sentiment_score":0.03810307153445833}],"sentiment":"neutral","sentiment_score":0.14067965176266928,"channel":0,"num_words":120,"start":2771.68,"end":2811.385},{"sentences":[{"text":"You get options on how you wanna do it, and we will help provide advice on how, obviously, to help keep it invested your income, or you can just take it as a lump sum.","start":2811.385,"end":2820.76,"sentiment":"neutral","sentiment_score":0.24271338220153535},{"text":"It's completely up to you.","start":2820.76,"end":2822.3,"sentiment":"neutral","sentiment_score":0.12283546179533004},{"text":"But","start":2822.84,"end":2823.08,"sentiment":"neutral","sentiment_score":0.154251366853714}],"sentiment":"neutral","sentiment_score":0.2259365134849781,"channel":0,"num_words":41,"start":2811.385,"end":2823.08},{"sentences":[{"text":"Yep.","start":2823.0598,"end":2823.5598,"sentiment":"neutral","sentiment_score":0.1996002495288849}],"sentiment":"neutral","sentiment_score":0.1996002495288849,"channel":1,"num_words":1,"start":2823.0598,"end":2823.5598},{"sentences":[{"text":"that's generally how they work.","start":2823.08,"end":2825.1,"sentiment":"neutral","sentiment_score":0.2159177452325821}],"sentiment":"neutral","sentiment_score":0.2159177452325821,"channel":0,"num_words":5,"start":2823.08,"end":2825.1},{"sentences":[{"text":"Yep.","start":2824.9,"end":2825.4,"sentiment":"neutral","sentiment_score":0.1014733612537384}],"sentiment":"neutral","sentiment_score":0.1014733612537384,"channel":1,"num_words":1,"start":2824.9,"end":2825.4},{"sentences":[{"text":"Yeah.","start":2826.12,"end":2826.62,"sentiment":"neutral","sentiment_score":0.06699894368648529}],"sentiment":"neutral","sentiment_score":0.06699894368648529,"channel":0,"num_words":1,"start":2826.12,"end":2826.62},{"sentences":[{"text":"I think we look at either halving it or getting rid of it altogether, like, maybe do the two scenarios","start":2826.26,"end":2830.5999,"sentiment":"neutral","sentiment_score":0.012552194017916917}],"sentiment":"neutral","sentiment_score":0.012552194017916917,"channel":1,"num_words":20,"start":2826.26,"end":2830.5999},{"sentences":[{"text":"Yes.","start":2831.4648,"end":2831.9648,"sentiment":"neutral","sentiment_score":0.12407704442739488}],"sentiment":"neutral","sentiment_score":0.12407704442739488,"channel":0,"num_words":1,"start":2831.4648,"end":2831.9648},{"sentences":[{"text":"because, you know, we're sitting pretty pretty well.","start":2832.075,"end":2834.795,"sentiment":"neutral","sentiment_score":0.17352212965488434},{"text":"So even Like, if it Like, if it makes a big impact on the If one of it passes,","start":2834.795,"end":2840.335,"sentiment":"neutral","sentiment_score":-0.039681788435892054}],"sentiment":"neutral","sentiment_score":0.023489742850263912,"channel":1,"num_words":27,"start":2832.075,"end":2840.335},{"sentences":[{"text":"Mhmm.","start":2840.265,"end":2840.61,"sentiment":"neutral","sentiment_score":-0.04583168774843216}],"sentiment":"neutral","sentiment_score":-0.04583168774843216,"channel":0,"num_words":1,"start":2840.265,"end":2840.61},{"sentences":[{"text":"you know, everything the second car goes, the second bike goes, you know, everything can go because","start":2840.395,"end":2845.455,"sentiment":"neutral","sentiment_score":-0.02440634457504048}],"sentiment":"neutral","sentiment_score":-0.02440634457504048,"channel":1,"num_words":17,"start":2840.395,"end":2845.455},{"sentences":[{"text":"Yep.","start":2846.6902,"end":2847.1902,"sentiment":"neutral","sentiment_score":-0.004330586642026901}],"sentiment":"neutral","sentiment_score":-0.004330586642026901,"channel":0,"num_words":1,"start":2846.6902,"end":2847.1902},{"sentences":[{"text":"so I think yeah.","start":2847.76,"end":2849.52,"sentiment":"neutral","sentiment_score":-0.011629661545157433},{"text":"Look.","start":2849.52,"end":2849.8398,"sentiment":"neutral","sentiment_score":-0.025926675647497177},{"text":"It's yeah.","start":2849.8398,"end":2850.12,"sentiment":"neutral","sentiment_score":-0.059049710631370544},{"text":"I'm not sure you need it.","start":2850.12,"end":2851.3599,"sentiment":"neutral","sentiment_score":-0.16924647490183511},{"text":"Yeah.","start":2851.3599,"end":2851.8599,"sentiment":"neutral","sentiment_score":0.005725156515836716}],"sentiment":"neutral","sentiment_score":-0.08573560257043157,"channel":1,"num_words":14,"start":2847.76,"end":2851.8599},{"sentences":[{"text":"Yeah.","start":2852.0,"end":2852.3198,"sentiment":"neutral","sentiment_score":0.0441063717007637}],"sentiment":"neutral","sentiment_score":0.0441063717007637,"channel":1,"num_words":1,"start":2852.0,"end":2852.3198},{"sentences":[{"text":"Yep.","start":2852.29,"end":2852.79,"sentiment":"neutral","sentiment_score":0.0619758777320385}],"sentiment":"neutral","sentiment_score":0.0619758777320385,"channel":0,"num_words":1,"start":2852.29,"end":2852.79},{"sentences":[{"text":"Maybe definitely","start":2852.3198,"end":2853.3599,"sentiment":"neutral","sentiment_score":0.07044325396418571}],"sentiment":"neutral","sentiment_score":0.07044325396418571,"channel":1,"num_words":2,"start":2852.3198,"end":2853.3599},{"sentences":[{"text":"That's okay.","start":2853.01,"end":2853.585,"sentiment":"neutral","sentiment_score":0.22539936751127243}],"sentiment":"neutral","sentiment_score":0.22539936751127243,"channel":0,"num_words":2,"start":2853.01,"end":2853.585},{"sentences":[{"text":"definitely have it, but maybe and we'll see what it's worth.","start":2853.3599,"end":2856.4,"sentiment":"neutral","sentiment_score":0.2088028531182896},{"text":"But, you know, that's the way","start":2856.4,"end":2857.52,"sentiment":"neutral","sentiment_score":0.11555994302034378}],"sentiment":"neutral","sentiment_score":0.17589359073077931,"channel":1,"num_words":17,"start":2853.3599,"end":2857.52},{"sentences":[{"text":"Yep.","start":2857.505,"end":2858.005,"sentiment":"neutral","sentiment_score":0.15229693055152893}],"sentiment":"neutral","sentiment_score":0.15229693055152893,"channel":0,"num_words":1,"start":2857.505,"end":2858.005},{"sentences":[{"text":"I look at it is all that money going into my super is only gonna help it grow quicker than Especially now you're going","start":2857.52,"end":2862.975,"sentiment":"neutral","sentiment_score":0.1898017047593991}],"sentiment":"neutral","sentiment_score":0.1898017047593991,"channel":1,"num_words":24,"start":2857.52,"end":2862.975},{"sentences":[{"text":"Yep.","start":2862.705,"end":2863.205,"sentiment":"neutral","sentiment_score":0.001989357173442841}],"sentiment":"neutral","sentiment_score":0.001989357173442841,"channel":0,"num_words":1,"start":2862.705,"end":2863.205},{"sentences":[{"text":"half.","start":2862.975,"end":2863.475,"sentiment":"neutral","sentiment_score":0.011312656104564668},{"text":"Yeah.","start":2863.615,"end":2863.855,"sentiment":"neutral","sentiment_score":0.0005362294614315033},{"text":"But I'm still paying I'm still paying extra.","start":2863.855,"end":2865.5352,"sentiment":"neutral","sentiment_score":-0.1541467122733593},{"text":"I'm still paying the full amount of super that I can every year.","start":2865.5352,"end":2867.935,"sentiment":"neutral","sentiment_score":-0.03901416407181667},{"text":"Yeah.","start":2867.935,"end":2868.435,"sentiment":"neutral","sentiment_score":-0.004239894449710846}],"sentiment":"neutral","sentiment_score":-0.07219786833350857,"channel":1,"num_words":24,"start":2862.975,"end":2868.435},{"sentences":[{"text":"I'll just pull that out of my wage.","start":2868.895,"end":2870.5151,"sentiment":"neutral","sentiment_score":-0.028337034163996577}],"sentiment":"neutral","sentiment_score":-0.028337034163996577,"channel":1,"num_words":8,"start":2868.895,"end":2870.5151},{"sentences":[{"text":"I can look at both if you like.","start":2874.04,"end":2875.6401,"sentiment":"neutral","sentiment_score":-0.0014362845104187727},{"text":"What","start":2875.6401,"end":2875.8,"sentiment":"neutral","sentiment_score":0.013880141079425812}],"sentiment":"neutral","sentiment_score":0.00026554055511951447,"channel":0,"num_words":9,"start":2874.04,"end":2875.8},{"sentences":[{"text":"Yep.","start":2875.78,"end":2876.1802,"sentiment":"neutral","sentiment_score":0.017342593520879745}],"sentiment":"neutral","sentiment_score":0.017342593520879745,"channel":1,"num_words":1,"start":2875.78,"end":2876.1802},{"sentences":[{"text":"I could","start":2875.8,"end":2876.2,"sentiment":"neutral","sentiment_score":0.01137101836502552}],"sentiment":"neutral","sentiment_score":0.01137101836502552,"channel":0,"num_words":2,"start":2875.8,"end":2876.2},{"sentences":[{"text":"Yep.","start":2876.1802,"end":2876.6802,"sentiment":"neutral","sentiment_score":0.014688078314065931}],"sentiment":"neutral","sentiment_score":0.014688078314065931,"channel":1,"num_words":1,"start":2876.1802,"end":2876.6802},{"sentences":[{"text":"do to assess it is I can look at halving it.","start":2876.2,"end":2879.26,"sentiment":"neutral","sentiment_score":-0.007668383144350214},{"text":"Because at the moment, because your income protection is together, you get the multi policy discount.","start":2879.56,"end":2884.365,"sentiment":"neutral","sentiment_score":0.015127696562558413},{"text":"So I'll look at","start":2884.365,"end":2885.165,"sentiment":"neutral","sentiment_score":0.01206995127722621}],"sentiment":"neutral","sentiment_score":0.006644217274902809,"channel":0,"num_words":31,"start":2876.2,"end":2885.165},{"sentences":[{"text":"Yeah.","start":2884.98,"end":2885.22,"sentiment":"neutral","sentiment_score":0.025765858590602875}],"sentiment":"neutral","sentiment_score":0.025765858590602875,"channel":1,"num_words":1,"start":2884.98,"end":2885.22},{"sentences":[{"text":"halving","start":2885.165,"end":2885.485,"sentiment":"neutral","sentiment_score":0.015971090644598007}],"sentiment":"neutral","sentiment_score":0.015971090644598007,"channel":0,"num_words":1,"start":2885.165,"end":2885.485},{"sentences":[{"text":"Right.","start":2885.22,"end":2885.72,"sentiment":"neutral","sentiment_score":-0.00029749795794487}],"sentiment":"neutral","sentiment_score":-0.00029749795794487,"channel":1,"num_words":1,"start":2885.22,"end":2885.72},{"sentences":[{"text":"the policy to $2.50, but then","start":2885.485,"end":2887.725,"sentiment":"neutral","sentiment_score":-0.023075546758870285}],"sentiment":"neutral","sentiment_score":-0.023075546758870285,"channel":0,"num_words":6,"start":2885.485,"end":2887.725},{"sentences":[{"text":"Yeah.","start":2887.535,"end":2888.035,"sentiment":"neutral","sentiment_score":-0.03478145971894264}],"sentiment":"neutral","sentiment_score":-0.03478145971894264,"channel":1,"num_words":1,"start":2887.535,"end":2888.035},{"sentences":[{"text":"I'll also look at canceling it.","start":2887.725,"end":2889.3252,"sentiment":"neutral","sentiment_score":-0.11922880013783772},{"text":"If it makes your income protection more","start":2889.3252,"end":2891.3252,"sentiment":"neutral","sentiment_score":-0.16671708119767054}],"sentiment":"neutral","sentiment_score":-0.14479941301620924,"channel":0,"num_words":13,"start":2887.725,"end":2891.3252},{"sentences":[{"text":"Yep.","start":2891.1748,"end":2891.6748,"sentiment":"neutral","sentiment_score":-0.16809813678264618}],"sentiment":"neutral","sentiment_score":-0.16809813678264618,"channel":1,"num_words":1,"start":2891.1748,"end":2891.6748},{"sentences":[{"text":"expensive because it can, I'll keep the there.","start":2891.3252,"end":2894.69,"sentiment":"neutral","sentiment_score":-0.203486829996109}],"sentiment":"neutral","sentiment_score":-0.203486829996109,"channel":0,"num_words":8,"start":2891.3252,"end":2894.69},{"sentences":[{"text":"Yep.","start":2894.815,"end":2895.295,"sentiment":"neutral","sentiment_score":0.007689893245697021}],"sentiment":"neutral","sentiment_score":0.007689893245697021,"channel":1,"num_words":1,"start":2894.815,"end":2895.295},{"sentences":[{"text":"If I assess","start":2894.91,"end":2895.71,"sentiment":"neutral","sentiment_score":-0.003768403083086014}],"sentiment":"neutral","sentiment_score":-0.003768403083086014,"channel":0,"num_words":3,"start":2894.91,"end":2895.71},{"sentences":[{"text":"That sounds","start":2895.295,"end":2895.855,"sentiment":"neutral","sentiment_score":0.08377815037965775}],"sentiment":"neutral","sentiment_score":0.08377815037965775,"channel":1,"num_words":2,"start":2895.295,"end":2895.855},{"sentences":[{"text":"everything","start":2895.71,"end":2896.19,"sentiment":"neutral","sentiment_score":0.03667403757572174}],"sentiment":"neutral","sentiment_score":0.03667403757572174,"channel":0,"num_words":1,"start":2895.71,"end":2896.19},{"sentences":[{"text":"good.","start":2895.855,"end":2896.355,"sentiment":"neutral","sentiment_score":0.07415115833282471}],"sentiment":"neutral","sentiment_score":0.07415115833282471,"channel":1,"num_words":1,"start":2895.855,"end":2896.355},{"sentences":[{"text":"and it's better to cancel a life and TPD, the income protection doesn't go up as crazy, and this also","start":2896.19,"end":2902.43,"sentiment":"neutral","sentiment_score":-0.12744623236358166}],"sentiment":"neutral","sentiment_score":-0.12744623236358166,"channel":0,"num_words":20,"start":2896.19,"end":2902.43},{"sentences":[{"text":"Yep.","start":2902.23,"end":2902.73,"sentiment":"neutral","sentiment_score":0.08488880097866058}],"sentiment":"neutral","sentiment_score":0.08488880097866058,"channel":1,"num_words":1,"start":2902.23,"end":2902.73},{"sentences":[{"text":"helps your super balance projected forward, then I can always look to cancel it and justify that for you.","start":2902.43,"end":2908.67,"sentiment":"neutral","sentiment_score":0.026076876215244595},{"text":"Does that sound","start":2908.67,"end":2909.31,"sentiment":"neutral","sentiment_score":0.08059300606449445}],"sentiment":"neutral","sentiment_score":0.03351089392196049,"channel":0,"num_words":22,"start":2902.43,"end":2909.31},{"sentences":[{"text":"Yep.","start":2909.19,"end":2909.27,"sentiment":"neutral","sentiment_score":0.014775486662983894},{"text":"Yep.","start":2909.27,"end":2909.77,"sentiment":"neutral","sentiment_score":0.08946719020605087}],"sentiment":"neutral","sentiment_score":0.052121338434517384,"channel":1,"num_words":2,"start":2909.19,"end":2909.77},{"sentences":[{"text":"okay?","start":2909.31,"end":2909.625,"sentiment":"neutral","sentiment_score":0.14266124367713928}],"sentiment":"neutral","sentiment_score":0.14266124367713928,"channel":0,"num_words":1,"start":2909.31,"end":2909.625},{"sentences":[{"text":"That sounds great.","start":2909.83,"end":2910.97,"sentiment":"positive","sentiment_score":0.7281051476796468}],"sentiment":"positive","sentiment_score":0.7281051476796468,"channel":1,"num_words":3,"start":2909.83,"end":2910.97},{"sentences":[{"text":"Yep.","start":2910.585,"end":2911.085,"sentiment":"positive","sentiment_score":0.36383914947509766},{"text":"Beautiful.","start":2911.545,"end":2912.045,"sentiment":"positive","sentiment_score":0.6544743776321411},{"text":"I'll assess both options and let you know how we how it looks in the advice document.","start":2912.585,"end":2917.405,"sentiment":"neutral","sentiment_score":0.16104352430385702},{"text":"What I'll do in the advice document, I'll put down what I'm recommending we do, how and why the risks, disadvantages, as advantages as well.","start":2917.865,"end":2925.72,"sentiment":"neutral","sentiment_score":0.06277318745851516},{"text":"And then in the appendix, I can put the other alternative for you so you can see the difference.","start":2925.72,"end":2931.1,"sentiment":"neutral","sentiment_score":0.06510725225272931}],"sentiment":"neutral","sentiment_score":0.10416541142123086,"channel":0,"num_words":63,"start":2910.585,"end":2931.1},{"sentences":[{"text":"Yep.","start":2931.605,"end":2932.085,"sentiment":"neutral","sentiment_score":0.11252053827047348}],"sentiment":"neutral","sentiment_score":0.11252053827047348,"channel":1,"num_words":1,"start":2931.605,"end":2932.085},{"sentences":[{"text":"Does that sound","start":2931.6401,"end":2932.28,"sentiment":"neutral","sentiment_score":0.2162294735511144}],"sentiment":"neutral","sentiment_score":0.2162294735511144,"channel":0,"num_words":3,"start":2931.6401,"end":2932.28},{"sentences":[{"text":"Cool.","start":2932.085,"end":2932.585,"sentiment":"neutral","sentiment_score":0.18009629845619202}],"sentiment":"neutral","sentiment_score":0.18009629845619202,"channel":1,"num_words":1,"start":2932.085,"end":2932.585},{"sentences":[{"text":"okay?","start":2932.28,"end":2932.76,"sentiment":"neutral","sentiment_score":0.13239312171936035},{"text":"Yep.","start":2932.76,"end":2933.26,"sentiment":"neutral","sentiment_score":0.1716710329055786}],"sentiment":"neutral","sentiment_score":0.15203207731246948,"channel":0,"num_words":2,"start":2932.28,"end":2933.26},{"sentences":[{"text":"That","start":2932.99,"end":2933.49,"sentiment":"positive","sentiment_score":0.6342784762382507}],"sentiment":"positive","sentiment_score":0.6342784762382507,"channel":1,"num_words":1,"start":2932.99,"end":2933.49},{"sentences":[{"text":"Fantastic.","start":2934.44,"end":2934.94,"sentiment":"positive","sentiment_score":0.6963093280792236},{"text":"Beautiful.","start":2936.6,"end":2937.1,"sentiment":"positive","sentiment_score":0.6901873350143433},{"text":"And, Lisa, you may mention you're happy with the life and TPD, the the amount","start":2938.145,"end":2942.2249,"sentiment":"positive","sentiment_score":0.34451400935649873}],"sentiment":"positive","sentiment_score":0.3855415766730028,"channel":0,"num_words":17,"start":2934.44,"end":2942.2249},{"sentences":[{"text":"sounds great.","start":2941.9502,"end":2942.7002,"sentiment":"positive","sentiment_score":0.465476930141449}],"sentiment":"positive","sentiment_score":0.465476930141449,"channel":1,"num_words":2,"start":2941.9502,"end":2942.7002},{"sentences":[{"text":"you have within Brighter Super because you've also got your q super defined benefits still, and that does pay out a lump sum.","start":2942.2249,"end":2948.625,"sentiment":"neutral","sentiment_score":0.18768210903457974},{"text":"Or it pays that either a lump sum or an income stream in the event of your passing.","start":2948.625,"end":2952.4849,"sentiment":"neutral","sentiment_score":0.13435023981663916},{"text":"And that can","start":2952.7898,"end":2953.3499,"sentiment":"neutral","sentiment_score":0.11902423451344173}],"sentiment":"neutral","sentiment_score":0.16118330745534462,"channel":0,"num_words":44,"start":2942.2249,"end":2953.3499},{"sentences":[{"text":"Yeah.","start":2953.125,"end":2953.625,"sentiment":"neutral","sentiment_score":0.2645622193813324}],"sentiment":"neutral","sentiment_score":0.2645622193813324,"channel":1,"num_words":1,"start":2953.125,"end":2953.625},{"sentences":[{"text":"definitely go to Scott there as well.","start":2953.3499,"end":2955.0298,"sentiment":"neutral","sentiment_score":0.2916772833892277},{"text":"So your super balance is pretty pretty nice between the two, and that defined benefit is beautiful as well.","start":2955.0298,"end":2960.63,"sentiment":"positive","sentiment_score":0.5207816252582952},{"text":"Are you happy just for that life and t TPD amount?","start":2960.63,"end":2963.8499,"sentiment":"neutral","sentiment_score":0.19094489243897525}],"sentiment":"positive","sentiment_score":0.3793779913638089,"channel":0,"num_words":37,"start":2953.3499,"end":2963.8499},{"sentences":[{"text":"Yeah.","start":2964.69,"end":2965.19,"sentiment":"neutral","sentiment_score":0.09728088974952698}],"sentiment":"neutral","sentiment_score":0.09728088974952698,"channel":1,"num_words":1,"start":2964.69,"end":2965.19},{"sentences":[{"text":"Yep.","start":2965.67,"end":2966.17,"sentiment":"neutral","sentiment_score":0.14472511410713196},{"text":"Beautiful.","start":2966.23,"end":2966.73,"sentiment":"neutral","sentiment_score":0.3218070864677429},{"text":"Having a look the last advice piece we had just with the balances, and they definitely could have changed since then.","start":2967.5098,"end":2973.635,"sentiment":"neutral","sentiment_score":0.02835307891170184},{"text":"So I will get some updated statements if that's okay just with the amounts as well as the insurance benefit amounts.","start":2973.635,"end":2982.5898,"sentiment":"neutral","sentiment_score":0.04826987791983854},{"text":"But the","start":2982.89,"end":2983.8699,"sentiment":"neutral","sentiment_score":0.007861982099711895}],"sentiment":"neutral","sentiment_score":0.045463875179057534,"channel":0,"num_words":46,"start":2965.67,"end":2983.8699},{"sentences":[{"text":"Yep.","start":2983.685,"end":2984.185,"sentiment":"neutral","sentiment_score":0.008619533851742744}],"sentiment":"neutral","sentiment_score":0.008619533851742744,"channel":1,"num_words":1,"start":2983.685,"end":2984.185},{"sentences":[{"text":"amount we had within Brighter Super at the time of the last device was about $481,007.91.","start":2984.01,"end":2991.39,"sentiment":"neutral","sentiment_score":0.025773994624614716},{"text":"And","start":2991.93,"end":2992.17,"sentiment":"neutral","sentiment_score":-0.00376699585467577}],"sentiment":"neutral","sentiment_score":0.02403628930230351,"channel":0,"num_words":17,"start":2984.01,"end":2992.17},{"sentences":[{"text":"I've","start":2992.1099,"end":2992.3499,"sentiment":"neutral","sentiment_score":-0.011275401338934898}],"sentiment":"neutral","sentiment_score":-0.011275401338934898,"channel":1,"num_words":1,"start":2992.1099,"end":2992.3499},{"sentences":[{"text":"then","start":2992.17,"end":2992.5698,"sentiment":"neutral","sentiment_score":-0.007323513738811016}],"sentiment":"neutral","sentiment_score":-0.007323513738811016,"channel":0,"num_words":1,"start":2992.17,"end":2992.5698},{"sentences":[{"text":"got","start":2992.3499,"end":2992.8499,"sentiment":"neutral","sentiment_score":-0.01183223072439432}],"sentiment":"neutral","sentiment_score":-0.01183223072439432,"channel":1,"num_words":1,"start":2992.3499,"end":2992.8499},{"sentences":[{"text":"in that","start":2992.5698,"end":2993.3098,"sentiment":"neutral","sentiment_score":-0.014337760861963034}],"sentiment":"neutral","sentiment_score":-0.014337760861963034,"channel":0,"num_words":2,"start":2992.5698,"end":2993.3098},{"sentences":[{"text":"I've","start":2994.19,"end":2994.51,"sentiment":"neutral","sentiment_score":-0.021220257505774495}],"sentiment":"neutral","sentiment_score":-0.021220257505774495,"channel":1,"num_words":1,"start":2994.19,"end":2994.51},{"sentences":[{"text":"sorry.","start":2994.285,"end":2994.525,"sentiment":"neutral","sentiment_score":-0.027647092938423157}],"sentiment":"neutral","sentiment_score":-0.027647092938423157,"channel":0,"num_words":1,"start":2994.285,"end":2994.525},{"sentences":[{"text":"got","start":2994.51,"end":2994.8298,"sentiment":"neutral","sentiment_score":-0.006849563680589199}],"sentiment":"neutral","sentiment_score":-0.006849563680589199,"channel":1,"num_words":1,"start":2994.51,"end":2994.8298},{"sentences":[{"text":"You're right.","start":2994.525,"end":2995.185,"sentiment":"neutral","sentiment_score":0.0086148411501199}],"sentiment":"neutral","sentiment_score":0.0086148411501199,"channel":0,"num_words":2,"start":2994.525,"end":2995.185},{"sentences":[{"text":"$5.17 $7.09 6 and 96¢ at the moment in my Brighter Super.","start":2994.8298,"end":3000.21,"sentiment":"neutral","sentiment_score":0.03731081482361664}],"sentiment":"neutral","sentiment_score":0.03731081482361664,"channel":1,"num_words":12,"start":2994.8298,"end":3000.21},{"sentences":[{"text":"Beautiful.","start":3000.925,"end":3001.425,"sentiment":"positive","sentiment_score":0.3905163705348969},{"text":"And the q super balance was quite nice as well.","start":3002.525,"end":3005.91,"sentiment":"neutral","sentiment_score":0.2915957272052765},{"text":"But do you know what the what that would have indexed to or increased to since","start":3005.91,"end":3011.05,"sentiment":"neutral","sentiment_score":0.00275815196800977}],"sentiment":"neutral","sentiment_score":0.12409644718799326,"channel":0,"num_words":27,"start":3000.925,"end":3011.05},{"sentences":[{"text":"Yep.","start":3011.185,"end":3011.685,"sentiment":"neutral","sentiment_score":0.004751856904476881},{"text":"I'm just going in there now.","start":3011.905,"end":3013.8452,"sentiment":"neutral","sentiment_score":-0.016149370775868494}],"sentiment":"neutral","sentiment_score":-0.013163481107247728,"channel":1,"num_words":7,"start":3011.185,"end":3013.8452},{"sentences":[{"text":"that's","start":3014.15,"end":3014.55,"sentiment":"neutral","sentiment_score":-0.013760512694716454}],"sentiment":"neutral","sentiment_score":-0.013760512694716454,"channel":0,"num_words":1,"start":3014.15,"end":3014.55},{"sentences":[{"text":"These","start":3014.465,"end":3014.705,"sentiment":"neutral","sentiment_score":-0.030126415193080906}],"sentiment":"neutral","sentiment_score":-0.030126415193080906,"channel":1,"num_words":1,"start":3014.465,"end":3014.705},{"sentences":[{"text":"okay.","start":3014.55,"end":3015.05,"sentiment":"neutral","sentiment_score":-0.07942713052034378}],"sentiment":"neutral","sentiment_score":-0.07942713052034378,"channel":0,"num_words":1,"start":3014.55,"end":3015.05},{"sentences":[{"text":"are the wonderful apps that are a little bit slow.","start":3014.705,"end":3017.0452,"sentiment":"neutral","sentiment_score":-0.189757077395916}],"sentiment":"neutral","sentiment_score":-0.189757077395916,"channel":1,"num_words":10,"start":3014.705,"end":3017.0452},{"sentences":[{"text":"We had","start":3017.43,"end":3017.91,"sentiment":"neutral","sentiment_score":-0.030206839554011822}],"sentiment":"neutral","sentiment_score":-0.030206839554011822,"channel":0,"num_words":2,"start":3017.43,"end":3017.91},{"sentences":[{"text":"So","start":3017.905,"end":3018.405,"sentiment":"neutral","sentiment_score":-0.006186981685459614}],"sentiment":"neutral","sentiment_score":-0.006186981685459614,"channel":1,"num_words":1,"start":3017.905,"end":3018.405},{"sentences":[{"text":"one forty two six seven four in there last time.","start":3017.91,"end":3020.89,"sentiment":"neutral","sentiment_score":-0.00023229364305734618}],"sentiment":"neutral","sentiment_score":-0.00023229364305734618,"channel":0,"num_words":10,"start":3017.91,"end":3020.89},{"sentences":[{"text":"so one forty eight one one two and forty one cents.","start":3020.77,"end":3024.15,"sentiment":"neutral","sentiment_score":0.009781156666576862}],"sentiment":"neutral","sentiment_score":0.009781156666576862,"channel":1,"num_words":11,"start":3020.77,"end":3024.15},{"sentences":[{"text":"And 41¢.","start":3025.185,"end":3026.565,"sentiment":"neutral","sentiment_score":0.017130207270383835},{"text":"Beautiful.","start":3026.625,"end":3027.125,"sentiment":"positive","sentiment_score":0.4518311619758606},{"text":"That's indexed quite nicely.","start":3028.785,"end":3030.325,"sentiment":"positive","sentiment_score":0.4914975166320801},{"text":"That's fantastic.","start":3030.385,"end":3031.125,"sentiment":"positive","sentiment_score":0.670251727104187},{"text":"Love that.","start":3031.7449,"end":3032.565,"sentiment":"positive","sentiment_score":0.4635728895664215}],"sentiment":"positive","sentiment_score":0.4702600669115782,"channel":0,"num_words":11,"start":3025.185,"end":3032.565},{"sentences":[{"text":"So that's on","start":3033.205,"end":3033.925,"sentiment":"neutral","sentiment_score":0.2688141117493312}],"sentiment":"neutral","sentiment_score":0.2688141117493312,"channel":1,"num_words":3,"start":3033.205,"end":3033.925},{"sentences":[{"text":"Beautiful.","start":3033.825,"end":3034.325,"sentiment":"neutral","sentiment_score":0.14649058878421783}],"sentiment":"neutral","sentiment_score":0.14649058878421783,"channel":0,"num_words":1,"start":3033.825,"end":3034.325},{"sentences":[{"text":"top of my $5.17, isn't it?","start":3033.925,"end":3036.025,"sentiment":"neutral","sentiment_score":0.06644737347960472}],"sentiment":"neutral","sentiment_score":0.06644737347960472,"channel":1,"num_words":6,"start":3033.925,"end":3036.025},{"sentences":[{"text":"It","start":3036.1902,"end":3036.35,"sentiment":"neutral","sentiment_score":0.02672591432929039}],"sentiment":"neutral","sentiment_score":0.02672591432929039,"channel":0,"num_words":1,"start":3036.1902,"end":3036.35},{"sentences":[{"text":"Yeah.","start":3036.2449,"end":3036.7449,"sentiment":"neutral","sentiment_score":0.002326683606952429}],"sentiment":"neutral","sentiment_score":0.002326683606952429,"channel":1,"num_words":1,"start":3036.2449,"end":3036.7449},{"sentences":[{"text":"is absolutely","start":3036.35,"end":3037.1501,"sentiment":"neutral","sentiment_score":0.07075092382729053}],"sentiment":"neutral","sentiment_score":0.07075092382729053,"channel":0,"num_words":2,"start":3036.35,"end":3037.1501},{"sentences":[{"text":"I keep","start":3036.9648,"end":3037.445,"sentiment":"neutral","sentiment_score":0.051698051393032074}],"sentiment":"neutral","sentiment_score":0.051698051393032074,"channel":1,"num_words":2,"start":3036.9648,"end":3037.445},{"sentences":[{"text":"so","start":3037.3901,"end":3037.55,"sentiment":"neutral","sentiment_score":0.07417913526296616}],"sentiment":"neutral","sentiment_score":0.07417913526296616,"channel":0,"num_words":1,"start":3037.3901,"end":3037.55},{"sentences":[{"text":"thinking","start":3037.445,"end":3037.765,"sentiment":"neutral","sentiment_score":0.07349957525730133}],"sentiment":"neutral","sentiment_score":0.07349957525730133,"channel":1,"num_words":1,"start":3037.445,"end":3037.765},{"sentences":[{"text":"both","start":3037.55,"end":3037.79,"sentiment":"neutral","sentiment_score":0.04050230234861374}],"sentiment":"neutral","sentiment_score":0.04050230234861374,"channel":0,"num_words":1,"start":3037.55,"end":3037.79},{"sentences":[{"text":"I","start":3037.765,"end":3037.925,"sentiment":"neutral","sentiment_score":0.04806267097592354}],"sentiment":"neutral","sentiment_score":0.04806267097592354,"channel":1,"num_words":1,"start":3037.765,"end":3037.925},{"sentences":[{"text":"of","start":3037.79,"end":3037.9502,"sentiment":"neutral","sentiment_score":0.0536845363676548}],"sentiment":"neutral","sentiment_score":0.0536845363676548,"channel":0,"num_words":1,"start":3037.79,"end":3037.9502},{"sentences":[{"text":"have","start":3037.925,"end":3038.085,"sentiment":"neutral","sentiment_score":0.033121123909950256}],"sentiment":"neutral","sentiment_score":0.033121123909950256,"channel":1,"num_words":1,"start":3037.925,"end":3038.085},{"sentences":[{"text":"those","start":3037.9502,"end":3038.4502,"sentiment":"neutral","sentiment_score":0.06804607808589935}],"sentiment":"neutral","sentiment_score":0.06804607808589935,"channel":0,"num_words":1,"start":3037.9502,"end":3038.4502},{"sentences":[{"text":"a small amount,","start":3038.085,"end":3038.885,"sentiment":"neutral","sentiment_score":0.0646005707482497}],"sentiment":"neutral","sentiment_score":0.0646005707482497,"channel":1,"num_words":3,"start":3038.085,"end":3038.885},{"sentences":[{"text":"combined.","start":3038.75,"end":3039.25,"sentiment":"neutral","sentiment_score":0.06613412499427795}],"sentiment":"neutral","sentiment_score":0.06613412499427795,"channel":0,"num_words":1,"start":3038.75,"end":3039.25},{"sentences":[{"text":"and then I remember I've got two.","start":3038.885,"end":3041.065,"sentiment":"neutral","sentiment_score":0.006061016315860408}],"sentiment":"neutral","sentiment_score":0.006061016315860408,"channel":1,"num_words":7,"start":3038.885,"end":3041.065},{"sentences":[{"text":"Yeah.","start":3041.79,"end":3042.29,"sentiment":"neutral","sentiment_score":0.001515847630798817},{"text":"So with the defined benefit, that essentially is as we recommended before, I will not change or move that in","start":3042.83,"end":3049.895,"sentiment":"neutral","sentiment_score":-0.0323189471848309}],"sentiment":"neutral","sentiment_score":-0.030707766479324727,"channel":0,"num_words":21,"start":3041.79,"end":3049.895},{"sentences":[{"text":"Yeah.","start":3049.8599,"end":3050.3599,"sentiment":"neutral","sentiment_score":-0.01969067007303238}],"sentiment":"neutral","sentiment_score":-0.01969067007303238,"channel":1,"num_words":1,"start":3049.8599,"end":3050.3599},{"sentences":[{"text":"any way.","start":3049.895,"end":3050.295,"sentiment":"neutral","sentiment_score":0.017556332051753998},{"text":"It will just stay where it is for the time being.","start":3050.295,"end":3052.635,"sentiment":"neutral","sentiment_score":0.04337624291127378},{"text":"But","start":3053.015,"end":3053.255,"sentiment":"neutral","sentiment_score":0.031873077154159546}],"sentiment":"neutral","sentiment_score":0.03886602952011994,"channel":0,"num_words":14,"start":3049.895,"end":3053.255},{"sentences":[{"text":"Yep.","start":3053.22,"end":3053.72,"sentiment":"neutral","sentiment_score":0.05370364338159561}],"sentiment":"neutral","sentiment_score":0.05370364338159561,"channel":1,"num_words":1,"start":3053.22,"end":3053.72},{"sentences":[{"text":"as things change as you get older and we're able to look at moving it, we'll assess whether keeping it there or moving it and combining it works better for you and look at, you know, how that affects your super.","start":3053.255,"end":3064.49,"sentiment":"neutral","sentiment_score":0.0703427560809182},{"text":"But for the moment, keeping that exactly where it is, that is a beautiful super fund.","start":3064.49,"end":3068.89,"sentiment":"positive","sentiment_score":0.39478048775345087},{"text":"I do love myself a good defined benefit.","start":3068.89,"end":3070.97,"sentiment":"positive","sentiment_score":0.6194061487913132},{"text":"I do wish they had them.","start":3070.97,"end":3072.43,"sentiment":"neutral","sentiment_score":0.0576969925314188},{"text":"I asked my boss to set one up, and he told me no.","start":3072.49,"end":3075.07,"sentiment":"neutral","sentiment_score":0.015403215845043842}],"sentiment":"neutral","sentiment_score":0.17502635422473153,"channel":0,"num_words":84,"start":3053.255,"end":3075.07},{"sentences":[{"text":"But they they are a really beautiful super fund.","start":3076.25,"end":3078.83,"sentiment":"positive","sentiment_score":0.41385459237628514}],"sentiment":"positive","sentiment_score":0.41385459237628514,"channel":0,"num_words":9,"start":3076.25,"end":3078.83},{"sentences":[{"text":"I pretty much have to keep that one there until I'm at least 55, it says.","start":3079.3,"end":3083.64,"sentiment":"neutral","sentiment_score":0.05722606589552015},{"text":"Otherwise, I lose, like, $20 out of that,","start":3083.86,"end":3086.6,"sentiment":"neutral","sentiment_score":-0.09643692336976528}],"sentiment":"neutral","sentiment_score":0.00600506947375834,"channel":1,"num_words":24,"start":3079.3,"end":3086.6},{"sentences":[{"text":"Yes.","start":3086.3052,"end":3086.8052,"sentiment":"neutral","sentiment_score":-0.0011852849274873734},{"text":"Absolutely.","start":3087.0251,"end":3087.5251,"sentiment":"neutral","sentiment_score":-0.02908247336745262}],"sentiment":"neutral","sentiment_score":-0.015133879147469997,"channel":0,"num_words":2,"start":3086.3052,"end":3087.5251},{"sentences":[{"text":"which is","start":3087.38,"end":3087.78,"sentiment":"neutral","sentiment_score":-0.1062084473669529}],"sentiment":"neutral","sentiment_score":-0.1062084473669529,"channel":1,"num_words":2,"start":3087.38,"end":3087.78},{"sentences":[{"text":"And","start":3087.745,"end":3087.985,"sentiment":"neutral","sentiment_score":-0.24003829061985016}],"sentiment":"neutral","sentiment_score":-0.24003829061985016,"channel":0,"num_words":1,"start":3087.745,"end":3087.985},{"sentences":[{"text":"not worth","start":3087.78,"end":3088.18,"sentiment":"negative","sentiment_score":-0.35728251934051514}],"sentiment":"negative","sentiment_score":-0.35728251934051514,"channel":1,"num_words":2,"start":3087.78,"end":3088.18},{"sentences":[{"text":"even","start":3087.985,"end":3088.225,"sentiment":"neutral","sentiment_score":-0.29325878620147705}],"sentiment":"neutral","sentiment_score":-0.29325878620147705,"channel":0,"num_words":1,"start":3087.985,"end":3088.225},{"sentences":[{"text":"it.","start":3088.18,"end":3088.68,"sentiment":"neutral","sentiment_score":-0.29587337374687195}],"sentiment":"neutral","sentiment_score":-0.29587337374687195,"channel":1,"num_words":1,"start":3088.18,"end":3088.68},{"sentences":[{"text":"between even between 55 and 60, there are often tax consequences as well.","start":3088.225,"end":3093.345,"sentiment":"neutral","sentiment_score":-0.15055200629509413},{"text":"So","start":3093.345,"end":3093.81,"sentiment":"neutral","sentiment_score":-0.029946085065603256}],"sentiment":"neutral","sentiment_score":-0.14193729763584478,"channel":0,"num_words":14,"start":3088.225,"end":3093.81},{"sentences":[{"text":"Yep.","start":3094.025,"end":3094.525,"sentiment":"neutral","sentiment_score":-0.011549487709999084}],"sentiment":"neutral","sentiment_score":-0.011549487709999084,"channel":1,"num_words":1,"start":3094.025,"end":3094.525},{"sentences":[{"text":"we can assess that at 55 and to see what the consequences look like and see we can get projected outcomes on or quotes on what it looks like if we transfer it across.","start":3094.05,"end":3104.31,"sentiment":"neutral","sentiment_score":0.004405036294723258},{"text":"But then we can also get that done at 60 to see what the difference is to make sure that you get the most of that benefit amount.","start":3104.61,"end":3111.0452,"sentiment":"neutral","sentiment_score":0.006731056209121432},{"text":"Okay.","start":3111.185,"end":3111.685,"sentiment":"neutral","sentiment_score":0.08004476875066757}],"sentiment":"neutral","sentiment_score":0.006639453597248547,"channel":0,"num_words":63,"start":3094.05,"end":3111.685},{"sentences":[{"text":"Yeah.","start":3111.7998,"end":3112.2998,"sentiment":"neutral","sentiment_score":0.17631837725639343}],"sentiment":"neutral","sentiment_score":0.17631837725639343,"channel":1,"num_words":1,"start":3111.7998,"end":3112.2998},{"sentences":[{"text":"Excellent.","start":3113.0251,"end":3113.5251,"sentiment":"positive","sentiment_score":0.46390342712402344},{"text":"Beautiful.","start":3113.5852,"end":3114.0852,"sentiment":"positive","sentiment_score":0.578931450843811},{"text":"Lovely.","start":3114.465,"end":3114.965,"sentiment":"positive","sentiment_score":0.5249310731887817},{"text":"So just to kinda recap, I'll look at the supers.","start":3115.0251,"end":3118.405,"sentiment":"neutral","sentiment_score":0.13904317766427993},{"text":"Scott, we have just made changes to your investments","start":3119.0251,"end":3122.5652,"sentiment":"neutral","sentiment_score":0.08733721243010627}],"sentiment":"neutral","sentiment_score":0.17019239271228964,"channel":0,"num_words":22,"start":3113.0251,"end":3122.5652},{"sentences":[{"text":"Euros.","start":3122.2349,"end":3122.7349,"sentiment":"neutral","sentiment_score":0.09560081362724304},{"text":"Yep.","start":3122.795,"end":3123.295,"sentiment":"neutral","sentiment_score":0.13413825631141665}],"sentiment":"neutral","sentiment_score":0.11486953496932985,"channel":1,"num_words":2,"start":3122.2349,"end":3123.295},{"sentences":[{"text":"as well.","start":3122.865,"end":3123.5251,"sentiment":"neutral","sentiment_score":0.13598156720399857}],"sentiment":"neutral","sentiment_score":0.13598156720399857,"channel":0,"num_words":2,"start":3122.865,"end":3123.5251},{"sentences":[{"text":"Yep.","start":3124.075,"end":3124.575,"sentiment":"neutral","sentiment_score":0.20645400881767273}],"sentiment":"neutral","sentiment_score":0.20645400881767273,"channel":1,"num_words":1,"start":3124.075,"end":3124.575},{"sentences":[{"text":"They are doing very, very nicely, actually.","start":3124.31,"end":3127.45,"sentiment":"positive","sentiment_score":0.5529248969895499},{"text":"So I'm also just gonna give you an update on the performance since we did that because that was a few months ago now.","start":3127.59,"end":3133.69,"sentiment":"neutral","sentiment_score":0.14354307670146227}],"sentiment":"neutral","sentiment_score":0.23598413289554657,"channel":0,"num_words":31,"start":3124.31,"end":3133.69},{"sentences":[{"text":"Yep.","start":3134.17,"end":3134.67,"sentiment":"neutral","sentiment_score":0.01811050996184349}],"sentiment":"neutral","sentiment_score":0.01811050996184349,"channel":1,"num_words":1,"start":3134.17,"end":3134.67},{"sentences":[{"text":"So looking back sorry.","start":3135.91,"end":3138.09,"sentiment":"neutral","sentiment_score":-0.01871457416564226},{"text":"It's just loading the report for me.","start":3145.875,"end":3148.215,"sentiment":"neutral","sentiment_score":-0.037300245836377144},{"text":"Still loading.","start":3155.3298,"end":3156.79,"sentiment":"neutral","sentiment_score":-0.031732333824038506},{"text":"Sorry.","start":3157.0898,"end":3157.5898,"sentiment":"neutral","sentiment_score":-0.038551658391952515},{"text":"Goodness.","start":3165.81,"end":3166.13,"sentiment":"neutral","sentiment_score":0.023694811388850212}],"sentiment":"neutral","sentiment_score":-0.02761876881122589,"channel":0,"num_words":15,"start":3135.91,"end":3166.13},{"sentences":[{"text":"It is","start":3166.13,"end":3166.545,"sentiment":"neutral","sentiment_score":0.004374871030449867}],"sentiment":"neutral","sentiment_score":0.004374871030449867,"channel":0,"num_words":2,"start":3166.13,"end":3166.545},{"sentences":[{"text":"We're just laughing at the young fella at the door trying to make his way in.","start":3175.595,"end":3178.815,"sentiment":"neutral","sentiment_score":-0.03605727927060798},{"text":"We've got the door closed?","start":3179.515,"end":3180.815,"sentiment":"neutral","sentiment_score":-0.09285402148962021}],"sentiment":"neutral","sentiment_score":-0.04958031313227756,"channel":1,"num_words":21,"start":3175.595,"end":3180.815},{"sentences":[{"text":"Oh goodness.","start":3188.26,"end":3188.9001,"sentiment":"neutral","sentiment_score":-0.24093103408813477},{"text":"This is taking a long time to load.","start":3188.9001,"end":3190.6,"sentiment":"negative","sentiment_score":-0.3357970640063286},{"text":"Definitely shouldn't be taking that long.","start":3192.58,"end":3194.385,"sentiment":"neutral","sentiment_score":-0.24715872605641684},{"text":"That's loading.","start":3203.665,"end":3204.305,"sentiment":"neutral","sentiment_score":-0.10191293060779572},{"text":"So I'll let it load for a minute.","start":3204.305,"end":3205.745,"sentiment":"neutral","sentiment_score":-0.02689216798171401}],"sentiment":"neutral","sentiment_score":-0.19500592852441165,"channel":0,"num_words":26,"start":3188.26,"end":3205.745},{"sentences":[{"text":"Hub 24 is feeling a little bit slow this afternoon.","start":3205.745,"end":3208.225,"sentiment":"neutral","sentiment_score":-0.3284022346138954},{"text":"That's okay.","start":3208.225,"end":3209.69,"sentiment":"neutral","sentiment_score":-0.024484926834702492},{"text":"While that is loading, I'll just sort of go through your risk profiles as well.","start":3209.75,"end":3213.43,"sentiment":"neutral","sentiment_score":-0.040400532881418864},{"text":"So I don't wanna go through the 14 questions there with you, Lisa, and make you answer all","start":3213.43,"end":3217.67,"sentiment":"neutral","sentiment_score":-0.028774398275547557}],"sentiment":"neutral","sentiment_score":-0.09904309693309996,"channel":0,"num_words":45,"start":3205.745,"end":3217.67},{"sentences":[{"text":"Yeah.","start":3217.5498,"end":3218.0498,"sentiment":"neutral","sentiment_score":0.012428071349859238}],"sentiment":"neutral","sentiment_score":0.012428071349859238,"channel":1,"num_words":1,"start":3217.5498,"end":3218.0498},{"sentences":[{"text":"those again.","start":3217.67,"end":3218.49,"sentiment":"neutral","sentiment_score":0.04938002675771713},{"text":"But, essentially, just wanted to kinda reclarify that they are comfortable for you and give you the information on how they work, what the risk profile all asset allocations are, and talk about the appropriateness of them for you both.","start":3219.3499,"end":3232.005,"sentiment":"neutral","sentiment_score":0.31620581056922675},{"text":"So, Scott, you're in that growth environment.","start":3232.625,"end":3235.285,"sentiment":"neutral","sentiment_score":0.24865539371967316}],"sentiment":"neutral","sentiment_score":0.29566490270045337,"channel":0,"num_words":49,"start":3217.67,"end":3235.285},{"sentences":[{"text":"Yep.","start":3235.865,"end":3236.2651,"sentiment":"neutral","sentiment_score":0.19999751448631287},{"text":"Yep.","start":3236.2651,"end":3236.665,"sentiment":"neutral","sentiment_score":0.15941300988197327}],"sentiment":"neutral","sentiment_score":0.17970526218414307,"channel":1,"num_words":2,"start":3235.865,"end":3236.665},{"sentences":[{"text":"Lisa,","start":3236.305,"end":3236.785,"sentiment":"neutral","sentiment_score":0.12177453935146332}],"sentiment":"neutral","sentiment_score":0.12177453935146332,"channel":0,"num_words":1,"start":3236.305,"end":3236.785},{"sentences":[{"text":"At","start":3236.665,"end":3236.825,"sentiment":"neutral","sentiment_score":0.14598539471626282}],"sentiment":"neutral","sentiment_score":0.14598539471626282,"channel":1,"num_words":1,"start":3236.665,"end":3236.825},{"sentences":[{"text":"I'm","start":3236.785,"end":3236.945,"sentiment":"neutral","sentiment_score":0.1194588541984558}],"sentiment":"neutral","sentiment_score":0.1194588541984558,"channel":0,"num_words":1,"start":3236.785,"end":3236.945},{"sentences":[{"text":"link","start":3236.825,"end":3237.065,"sentiment":"neutral","sentiment_score":0.11939425021409988}],"sentiment":"neutral","sentiment_score":0.11939425021409988,"channel":1,"num_words":1,"start":3236.825,"end":3237.065},{"sentences":[{"text":"pretty","start":3236.945,"end":3237.185,"sentiment":"neutral","sentiment_score":0.14717690646648407}],"sentiment":"neutral","sentiment_score":0.14717690646648407,"channel":0,"num_words":1,"start":3236.945,"end":3237.185},{"sentences":[{"text":"dot","start":3237.065,"end":3237.385,"sentiment":"neutral","sentiment_score":0.1177825853228569}],"sentiment":"neutral","sentiment_score":0.1177825853228569,"channel":1,"num_words":1,"start":3237.065,"end":3237.385},{"sentences":[{"text":"sure you scored the same.","start":3237.185,"end":3239.25,"sentiment":"neutral","sentiment_score":0.12486407011747361},{"text":"I'm","start":3239.49,"end":3239.65,"sentiment":"neutral","sentiment_score":0.08671234548091888}],"sentiment":"neutral","sentiment_score":0.11850544934471448,"channel":0,"num_words":6,"start":3237.185,"end":3239.65},{"sentences":[{"text":"Same.","start":3239.625,"end":3240.125,"sentiment":"neutral","sentiment_score":0.09858129918575288}],"sentiment":"neutral","sentiment_score":0.09858129918575288,"channel":1,"num_words":1,"start":3239.625,"end":3240.125},{"sentences":[{"text":"just double checking.","start":3239.65,"end":3240.69,"sentiment":"neutral","sentiment_score":0.10518637547890346}],"sentiment":"neutral","sentiment_score":0.10518637547890346,"channel":0,"num_words":3,"start":3239.65,"end":3240.69},{"sentences":[{"text":"Yeah.","start":3240.265,"end":3240.765,"sentiment":"neutral","sentiment_score":0.13426604866981506}],"sentiment":"neutral","sentiment_score":0.13426604866981506,"channel":1,"num_words":1,"start":3240.265,"end":3240.765},{"sentences":[{"text":"Yes.","start":3240.69,"end":3241.01,"sentiment":"neutral","sentiment_score":0.1996564269065857},{"text":"You did.","start":3241.01,"end":3241.41,"sentiment":"neutral","sentiment_score":0.21699578315019608},{"text":"Yeah.","start":3241.41,"end":3241.81,"sentiment":"neutral","sentiment_score":0.19730454683303833},{"text":"So the growth environment suits someone who is wanting to access their super no earlier than six years to someone who's wanting to keep their funds invested for six years or longer.","start":3241.81,"end":3252.55,"sentiment":"neutral","sentiment_score":0.2748915469273925},{"text":"So it does suit the time horizon that you both definitely have.","start":3252.865,"end":3256.085,"sentiment":"positive","sentiment_score":0.5140533422430357}],"sentiment":"neutral","sentiment_score":0.3290858780965209,"channel":0,"num_words":48,"start":3240.69,"end":3256.085},{"sentences":[{"text":"It normally sees about 80% of your super invested in growth assets.","start":3256.705,"end":3260.865,"sentiment":"neutral","sentiment_score":0.17119975512226424},{"text":"So think about things like Australian shares, international shares, listed property, and also commodities, and then the other 20% in lower risk defensive investments like cash, bonds, and fixed interest.","start":3260.865,"end":3272.29,"sentiment":"neutral","sentiment_score":0.07218751665204763},{"text":"If you consider the risk level out of, say, five, five being the highest risk level, all money in those high risk assets, one being the lowest that's sitting all in cash, you're sitting at about a three.","start":3272.67,"end":3284.825,"sentiment":"neutral","sentiment_score":-0.11362840882257412},{"text":"So you're kind of in that middle range there.","start":3284.9648,"end":3287.2249,"sentiment":"neutral","sentiment_score":-0.17324148615201315},{"text":"The growth portfolio generally expects the likelihood of a negative return, say, one in every five years.","start":3288.005,"end":3294.94,"sentiment":"neutral","sentiment_score":-0.32651824460310097}],"sentiment":"neutral","sentiment_score":-0.06799849535707596,"channel":0,"num_words":106,"start":3256.705,"end":3294.94},{"sentences":[{"text":"The expected returns that you're sort of wanting to achieve on a yearly basis, compound and forward, is between seven to 9%.","start":3296.44,"end":3303.5598,"sentiment":"neutral","sentiment_score":-0.17937810041687705},{"text":"So anything under that 7% for the year, the portfolio has underperformed.","start":3303.5598,"end":3307.7852,"sentiment":"negative","sentiment_score":-0.3344377726316452},{"text":"If we are getting those sorts of lower returns, we wanna make sure that the market as a whole has also been down.","start":3308.405,"end":3313.7651,"sentiment":"negative","sentiment_score":-0.4017001144264055},{"text":"That way, it sort of shows that the return being lower is because of market reactions, not because portfolio hasn't performed.","start":3313.7651,"end":3321.3901,"sentiment":"negative","sentiment_score":-0.34488318931488765},{"text":"If that's the case, it means that there's something wrong with the portfolio, not the market as a whole.","start":3321.4502,"end":3326.03,"sentiment":"negative","sentiment_score":-0.41988067564211395}],"sentiment":"negative","sentiment_score":-0.3342160198491873,"channel":0,"num_words":97,"start":3296.44,"end":3326.03},{"sentences":[{"text":"Yep.","start":3326.7751,"end":3327.15,"sentiment":"neutral","sentiment_score":-0.10140097141265868}],"sentiment":"neutral","sentiment_score":-0.10140097141265868,"channel":1,"num_words":1,"start":3326.7751,"end":3327.15},{"sentences":[{"text":"And then anything over 9% is essentially an overperformance there.","start":3327.53,"end":3328.698,"sentiment":"neutral","sentiment_score":-0.2610063999891281},{"text":"A lot of the portfolios do get more than 9%.","start":3328.698,"end":3329.4702,"sentiment":"positive","sentiment_score":0.42397998571395873},{"text":"Overperformance there.","start":3331.015,"end":3332.395,"sentiment":"positive","sentiment_score":0.36949242651462555},{"text":"A lot of the portfolios do get more than 9% or have averaged more than 9%, and we wanna aim for the best possible return.","start":3332.775,"end":3339.435,"sentiment":"positive","sentiment_score":0.4718489408493042},{"text":"But we sort of look at the seven to 9% as an average of what you should be able to achieve in that risk profile given the risk you are taking and the type of asset allocation that you have.","start":3340.055,"end":3350.5,"sentiment":"neutral","sentiment_score":0.22656781114637853}],"sentiment":"neutral","sentiment_score":0.266984559509946,"channel":0,"num_words":87,"start":3327.53,"end":3350.5},{"sentences":[{"text":"Does that make sense?","start":3351.3599,"end":3352.24,"sentiment":"neutral","sentiment_score":0.15123364701867104},{"text":"Do you have any questions?","start":3352.24,"end":3353.44,"sentiment":"neutral","sentiment_score":0.057170755416154864},{"text":"Do you both feel comfortable in that sort of","start":3353.44,"end":3355.8599,"sentiment":"neutral","sentiment_score":0.07740783070524533}],"sentiment":"neutral","sentiment_score":0.08819215786125925,"channel":0,"num_words":18,"start":3351.3599,"end":3355.8599},{"sentences":[{"text":"Yep.","start":3356.93,"end":3357.33,"sentiment":"neutral","sentiment_score":0.15014827251434326},{"text":"Maybe maybe down the track as we get on, we might drop to a from a three to a two sort of thing, like, a slightly safer, but, yeah, we'd like to get the balance up too.","start":3357.33,"end":3365.73,"sentiment":"neutral","sentiment_score":0.1480019295940528},{"text":"Like,","start":3365.73,"end":3365.97,"sentiment":"neutral","sentiment_score":0.12234173715114594}],"sentiment":"neutral","sentiment_score":0.1473990103755242,"channel":1,"num_words":39,"start":3356.93,"end":3365.97},{"sentences":[{"text":"Absolutely.","start":3365.905,"end":3366.405,"sentiment":"neutral","sentiment_score":0.20877453684806824}],"sentiment":"neutral","sentiment_score":0.20877453684806824,"channel":0,"num_words":1,"start":3365.905,"end":3366.405},{"sentences":[{"text":"we'd like to get our balance","start":3365.97,"end":3367.09,"sentiment":"neutral","sentiment_score":0.2382266322771708}],"sentiment":"neutral","sentiment_score":0.2382266322771708,"channel":1,"num_words":6,"start":3365.97,"end":3367.09},{"sentences":[{"text":"Yes.","start":3366.945,"end":3367.445,"sentiment":"neutral","sentiment_score":0.2325969934463501}],"sentiment":"neutral","sentiment_score":0.2325969934463501,"channel":0,"num_words":1,"start":3366.945,"end":3367.445},{"sentences":[{"text":"up higher.","start":3367.09,"end":3367.725,"sentiment":"neutral","sentiment_score":0.2584114074707031}],"sentiment":"neutral","sentiment_score":0.2584114074707031,"channel":1,"num_words":2,"start":3367.09,"end":3367.725},{"sentences":[{"text":"Absolutely.","start":3368.945,"end":3369.445,"sentiment":"neutral","sentiment_score":0.28890615701675415},{"text":"And, normally, because of with this risk profile, it does fit a six year time horizon.","start":3369.905,"end":3374.69,"sentiment":"neutral","sentiment_score":0.20605962630361319},{"text":"I","start":3375.1501,"end":3375.31,"sentiment":"neutral","sentiment_score":0.11048240959644318}],"sentiment":"neutral","sentiment_score":0.20535236597061157,"channel":0,"num_words":18,"start":3368.945,"end":3375.31},{"sentences":[{"text":"So","start":3375.245,"end":3375.745,"sentiment":"neutral","sentiment_score":0.1291372925043106}],"sentiment":"neutral","sentiment_score":0.1291372925043106,"channel":1,"num_words":1,"start":3375.245,"end":3375.745},{"sentences":[{"text":"normally would not want you to be in this for any longer than you need to be.","start":3375.31,"end":3379.97,"sentiment":"neutral","sentiment_score":0.03988405952558798},{"text":"So when you do get about sort of six years out, we do wanna look at maybe reducing the risk level a bit for you guys, and we start to reduce it in increments.","start":3380.35,"end":3388.5752,"sentiment":"neutral","sentiment_score":0.16089633392060504},{"text":"So we step down generally in 10% increments.","start":3388.5752,"end":3391.875,"sentiment":"neutral","sentiment_score":0.17900287359952927},{"text":"That way, it's not a drastic change to your risk level, your portfolio, but it steps you down in increments towards being lower risk towards your comfort level at that retirement age.","start":3392.415,"end":3401.76,"sentiment":"neutral","sentiment_score":0.1617850314360112},{"text":"Does that make sense?","start":3401.8198,"end":3402.88,"sentiment":"neutral","sentiment_score":0.10061350837349892}],"sentiment":"neutral","sentiment_score":0.13852739361555952,"channel":0,"num_words":95,"start":3375.31,"end":3402.88},{"sentences":[{"text":"Yep.","start":3403.235,"end":3403.5552,"sentiment":"neutral","sentiment_score":0.05510516464710235},{"text":"Yep.","start":3403.5552,"end":3404.0552,"sentiment":"neutral","sentiment_score":0.06680392473936081}],"sentiment":"neutral","sentiment_score":0.06095454469323158,"channel":1,"num_words":2,"start":3403.235,"end":3404.0552},{"sentences":[{"text":"Yep.","start":3404.14,"end":3404.64,"sentiment":"neutral","sentiment_score":0.11318053305149078},{"text":"Beautiful.","start":3404.7798,"end":3405.2798,"sentiment":"positive","sentiment_score":0.3580128848552704},{"text":"Are you both fairly comfortable looking at the growth portfolio?","start":3406.8599,"end":3409.5999,"sentiment":"neutral","sentiment_score":0.0976804617792368},{"text":"You're welcome to let me know if you're not.","start":3409.66,"end":3411.18,"sentiment":"neutral","sentiment_score":-0.016989638201064534},{"text":"You're welcome to","start":3411.18,"end":3411.8198,"sentiment":"neutral","sentiment_score":0.025856880315889914}],"sentiment":"neutral","sentiment_score":0.05719424720155075,"channel":0,"num_words":24,"start":3404.14,"end":3411.8198},{"sentences":[{"text":"No.","start":3411.78,"end":3412.28,"sentiment":"neutral","sentiment_score":-0.02779539674520493}],"sentiment":"neutral","sentiment_score":-0.02779539674520493,"channel":1,"num_words":1,"start":3411.78,"end":3412.28},{"sentences":[{"text":"ask any additional questions if you","start":3411.8198,"end":3413.795,"sentiment":"neutral","sentiment_score":-0.024921417236328125}],"sentiment":"neutral","sentiment_score":-0.024921417236328125,"channel":0,"num_words":6,"start":3411.8198,"end":3413.795},{"sentences":[{"text":"Like,","start":3414.98,"end":3415.3801,"sentiment":"neutral","sentiment_score":0.013546209782361984}],"sentiment":"neutral","sentiment_score":0.013546209782361984,"channel":1,"num_words":1,"start":3414.98,"end":3415.3801},{"sentences":[{"text":"have","start":3415.1748,"end":3415.6748,"sentiment":"neutral","sentiment_score":0.03981306403875351}],"sentiment":"neutral","sentiment_score":0.03981306403875351,"channel":0,"num_words":1,"start":3415.1748,"end":3415.6748},{"sentences":[{"text":"now we're happy for it to to grow and","start":3415.3801,"end":3417.1401,"sentiment":"neutral","sentiment_score":0.25651653938823277}],"sentiment":"neutral","sentiment_score":0.25651653938823277,"channel":1,"num_words":9,"start":3415.3801,"end":3417.1401},{"sentences":[{"text":"them.","start":3417.055,"end":3417.555,"sentiment":"neutral","sentiment_score":0.15743082761764526}],"sentiment":"neutral","sentiment_score":0.15743082761764526,"channel":0,"num_words":1,"start":3417.055,"end":3417.555},{"sentences":[{"text":"grow it as much as we can.","start":3417.1401,"end":3418.44,"sentiment":"neutral","sentiment_score":0.11718762878860746}],"sentiment":"neutral","sentiment_score":0.11718762878860746,"channel":1,"num_words":7,"start":3417.1401,"end":3418.44},{"sentences":[{"text":"Yep.","start":3419.055,"end":3419.375,"sentiment":"neutral","sentiment_score":0.07614807784557343},{"text":"That's okay.","start":3419.375,"end":3420.015,"sentiment":"neutral","sentiment_score":0.13498978316783905},{"text":"You're comfortable in that environment there, Lisa, still?","start":3420.015,"end":3422.595,"sentiment":"neutral","sentiment_score":0.17190539930015802}],"sentiment":"neutral","sentiment_score":0.15648825805295596,"channel":0,"num_words":11,"start":3419.055,"end":3422.595},{"sentences":[{"text":"Yeah.","start":3422.74,"end":3423.24,"sentiment":"neutral","sentiment_score":0.11587947607040404},{"text":"Yep.","start":3423.46,"end":3423.96,"sentiment":"neutral","sentiment_score":0.11990128457546234}],"sentiment":"neutral","sentiment_score":0.1178903803229332,"channel":1,"num_words":2,"start":3422.74,"end":3423.96},{"sentences":[{"text":"Yep.","start":3423.855,"end":3424.355,"sentiment":"neutral","sentiment_score":0.19755268096923828},{"text":"Beautiful.","start":3424.655,"end":3425.155,"sentiment":"positive","sentiment_score":0.5037297010421753},{"text":"All good.","start":3425.375,"end":3426.115,"sentiment":"positive","sentiment_score":0.49039319157600403},{"text":"Hub 24 just timed out on me, so I'm just gonna redo that portfolio for for you so that that hopefully it loads.","start":3426.895,"end":3433.0298,"sentiment":"neutral","sentiment_score":0.27551347600377124},{"text":"Here we go.","start":3433.41,"end":3433.89,"sentiment":"neutral","sentiment_score":0.2573838134606679}],"sentiment":"neutral","sentiment_score":0.29303433845440546,"channel":0,"num_words":30,"start":3423.855,"end":3433.89},{"sentences":[{"text":"This one loaded faster.","start":3433.89,"end":3435.1099,"sentiment":"neutral","sentiment_score":0.2853398099541664},{"text":"Alright.","start":3435.17,"end":3435.67,"sentiment":"neutral","sentiment_score":0.16922467947006226},{"text":"So having a look at things, since we did make the changes that Scott looking at the last three months, your","start":3436.7698,"end":3444.205,"sentiment":"neutral","sentiment_score":0.13413319878634952}],"sentiment":"neutral","sentiment_score":0.158745426684618,"channel":0,"num_words":26,"start":3433.89,"end":3444.205},{"sentences":[{"text":"Yep.","start":3444.07,"end":3444.57,"sentiment":"neutral","sentiment_score":0.0674445778131485}],"sentiment":"neutral","sentiment_score":0.0674445778131485,"channel":1,"num_words":1,"start":3444.07,"end":3444.57},{"sentences":[{"text":"portfolio wow.","start":3444.205,"end":3445.9849,"sentiment":"positive","sentiment_score":0.4303799867630005},{"text":"Your portfolio has made a return of 7.50% after fees.","start":3446.605,"end":3452.865,"sentiment":"positive","sentiment_score":0.5697840780019761}],"sentiment":"positive","sentiment_score":0.5465500627954801,"channel":0,"num_words":12,"start":3444.205,"end":3452.865},{"sentences":[{"text":"That's cool.","start":3453.67,"end":3454.31,"sentiment":"positive","sentiment_score":0.7599539160728455},{"text":"Yep.","start":3454.31,"end":3454.81,"sentiment":"neutral","sentiment_score":0.21169167757034305}],"sentiment":"positive","sentiment_score":0.5771998365720113,"channel":1,"num_words":3,"start":3453.67,"end":3454.81},{"sentences":[{"text":"That is in","start":3455.165,"end":3455.7249,"sentiment":"neutral","sentiment_score":0.11527170985937119}],"sentiment":"neutral","sentiment_score":0.11527170985937119,"channel":0,"num_words":3,"start":3455.165,"end":3455.7249},{"sentences":[{"text":"Off","start":3455.615,"end":3455.9348,"sentiment":"neutral","sentiment_score":0.0880049616098404}],"sentiment":"neutral","sentiment_score":0.0880049616098404,"channel":1,"num_words":1,"start":3455.615,"end":3455.9348},{"sentences":[{"text":"three","start":3455.7249,"end":3456.045,"sentiment":"neutral","sentiment_score":0.06382106244564056}],"sentiment":"neutral","sentiment_score":0.06382106244564056,"channel":0,"num_words":1,"start":3455.7249,"end":3456.045},{"sentences":[{"text":"expenses.","start":3455.9348,"end":3456.4348,"sentiment":"neutral","sentiment_score":0.06446294486522675}],"sentiment":"neutral","sentiment_score":0.06446294486522675,"channel":1,"num_words":1,"start":3455.9348,"end":3456.4348},{"sentences":[{"text":"months.","start":3456.045,"end":3456.525,"sentiment":"neutral","sentiment_score":0.046249933540821075},{"text":"Yeah.","start":3456.525,"end":3457.025,"sentiment":"neutral","sentiment_score":0.09321245551109314},{"text":"Yeah.","start":3457.8699,"end":3458.3699,"sentiment":"neutral","sentiment_score":0.12679733335971832},{"text":"That essentially shows so when we look at the","start":3458.43,"end":3461.41,"sentiment":"neutral","sentiment_score":0.16699586146407658}],"sentiment":"neutral","sentiment_score":0.14743520629902682,"channel":0,"num_words":12,"start":3456.045,"end":3461.41},{"sentences":[{"text":"Yep.","start":3461.4548,"end":3461.7048,"sentiment":"neutral","sentiment_score":0.12745459377765656}],"sentiment":"neutral","sentiment_score":0.12745459377765656,"channel":1,"num_words":1,"start":3461.4548,"end":3461.7048},{"sentences":[{"text":"the","start":3461.55,"end":3461.71,"sentiment":"neutral","sentiment_score":0.13589070737361908}],"sentiment":"neutral","sentiment_score":0.13589070737361908,"channel":0,"num_words":1,"start":3461.55,"end":3461.71},{"sentences":[{"text":"Yep.","start":3461.7048,"end":3462.2048,"sentiment":"neutral","sentiment_score":0.12853607535362244}],"sentiment":"neutral","sentiment_score":0.12853607535362244,"channel":1,"num_words":1,"start":3461.7048,"end":3462.2048},{"sentences":[{"text":"returns, we're looking at growth plus income, and it's generated growth plus income in the last three months of 50,523.","start":3461.71,"end":3470.295,"sentiment":"neutral","sentiment_score":0.25812911465764043},{"text":"So it is a good return.","start":3470.295,"end":3471.595,"sentiment":"positive","sentiment_score":0.5921201904614767}],"sentiment":"positive","sentiment_score":0.3352039783046796,"channel":0,"num_words":26,"start":3461.71,"end":3471.595},{"sentences":[{"text":"Yes.","start":3472.17,"end":3472.49,"sentiment":"positive","sentiment_score":0.33661139011383057},{"text":"Cool.","start":3472.49,"end":3472.99,"sentiment":"positive","sentiment_score":0.4837556183338166},{"text":"Imagine","start":3473.37,"end":3473.69,"sentiment":"positive","sentiment_score":0.36578190326690674}],"sentiment":"positive","sentiment_score":0.39538297057151794,"channel":1,"num_words":3,"start":3472.17,"end":3473.69},{"sentences":[{"text":"Good","start":3473.575,"end":3473.815,"sentiment":"positive","sentiment_score":0.408334881067276}],"sentiment":"positive","sentiment_score":0.408334881067276,"channel":0,"num_words":1,"start":3473.575,"end":3473.815},{"sentences":[{"text":"what","start":3473.69,"end":3473.85,"sentiment":"positive","sentiment_score":0.4338426291942597}],"sentiment":"positive","sentiment_score":0.4338426291942597,"channel":1,"num_words":1,"start":3473.69,"end":3473.85},{"sentences":[{"text":"to","start":3473.815,"end":3474.055,"sentiment":"positive","sentiment_score":0.33574745059013367}],"sentiment":"positive","sentiment_score":0.33574745059013367,"channel":0,"num_words":1,"start":3473.815,"end":3474.055},{"sentences":[{"text":"I'll do","start":3473.85,"end":3474.09,"sentiment":"neutral","sentiment_score":0.3321528732776642}],"sentiment":"neutral","sentiment_score":0.3321528732776642,"channel":1,"num_words":2,"start":3473.85,"end":3474.09},{"sentences":[{"text":"see.","start":3474.055,"end":3474.295,"sentiment":"neutral","sentiment_score":0.32177841663360596}],"sentiment":"neutral","sentiment_score":0.32177841663360596,"channel":0,"num_words":1,"start":3474.055,"end":3474.295},{"sentences":[{"text":"for","start":3474.09,"end":3474.33,"sentiment":"neutral","sentiment_score":0.1443222165107727}],"sentiment":"neutral","sentiment_score":0.1443222165107727,"channel":1,"num_words":1,"start":3474.09,"end":3474.33},{"sentences":[{"text":"Good","start":3474.295,"end":3474.535,"sentiment":"neutral","sentiment_score":0.3040196895599365}],"sentiment":"neutral","sentiment_score":0.3040196895599365,"channel":0,"num_words":1,"start":3474.295,"end":3474.535},{"sentences":[{"text":"you.","start":3474.33,"end":3474.41,"sentiment":"neutral","sentiment_score":0.289702832698822},{"text":"Yeah.","start":3474.41,"end":3474.91,"sentiment":"neutral","sentiment_score":0.03260131552815437}],"sentiment":"neutral","sentiment_score":0.1611520741134882,"channel":1,"num_words":2,"start":3474.33,"end":3474.91},{"sentences":[{"text":"yeah.","start":3476.2148,"end":3476.4548,"sentiment":"neutral","sentiment_score":0.02208627574145794},{"text":"And, look, honestly, I don't expect us to do that every year.","start":3476.4548,"end":3479.7349,"sentiment":"neutral","sentiment_score":-0.08457003813236952}],"sentiment":"neutral","sentiment_score":-0.07636570629592125,"channel":0,"num_words":13,"start":3476.2148,"end":3479.7349},{"sentences":[{"text":"Yeah.","start":3479.69,"end":3480.17,"sentiment":"neutral","sentiment_score":0.03073333203792572}],"sentiment":"neutral","sentiment_score":0.03073333203792572,"channel":1,"num_words":1,"start":3479.69,"end":3480.17},{"sentences":[{"text":"We made","start":3479.7349,"end":3480.2148,"sentiment":"neutral","sentiment_score":0.05540964938700199}],"sentiment":"neutral","sentiment_score":0.05540964938700199,"channel":0,"num_words":2,"start":3479.7349,"end":3480.2148},{"sentences":[{"text":"Yep.","start":3480.17,"end":3480.67,"sentiment":"neutral","sentiment_score":0.050258781760931015}],"sentiment":"neutral","sentiment_score":0.050258781760931015,"channel":1,"num_words":1,"start":3480.17,"end":3480.67},{"sentences":[{"text":"the changes in the portfolio.","start":3480.2148,"end":3481.4949,"sentiment":"neutral","sentiment_score":0.1126379743218422},{"text":"That's had a really good effect, and I'm pretty stunned that that return is in a three month period.","start":3481.4949,"end":3486.17,"sentiment":"neutral","sentiment_score":0.13080072285313354},{"text":"Normally, in a three month period, you don't see more than, say, one, two, or maybe 3%.","start":3486.17,"end":3491.71,"sentiment":"neutral","sentiment_score":0.010243060998618603},{"text":"But","start":3492.49,"end":3492.73,"sentiment":"neutral","sentiment_score":0.05837845057249069}],"sentiment":"neutral","sentiment_score":0.0781170022230418,"channel":0,"num_words":42,"start":3480.2148,"end":3492.73},{"sentences":[{"text":"Yep.","start":3492.505,"end":3493.005,"sentiment":"neutral","sentiment_score":0.10172632336616516}],"sentiment":"neutral","sentiment_score":0.10172632336616516,"channel":1,"num_words":1,"start":3492.505,"end":3493.005},{"sentences":[{"text":"as your balance increases, smaller changes to your portfolio make bigger bigger returns, and smaller changes have a bigger effect on your super.","start":3492.73,"end":3501.425,"sentiment":"neutral","sentiment_score":0.23959036819312884},{"text":"So that is a really great change.","start":3501.425,"end":3503.985,"sentiment":"positive","sentiment_score":0.640308256660189},{"text":"Really happy with that, and it does show you the newer portfolio is working better for you as well.","start":3503.985,"end":3508.945,"sentiment":"positive","sentiment_score":0.6887153198844508},{"text":"So that","start":3508.945,"end":3510.0652,"sentiment":"positive","sentiment_score":0.412119060754776}],"sentiment":"positive","sentiment_score":0.4686777542034785,"channel":0,"num_words":51,"start":3492.73,"end":3510.0652},{"sentences":[{"text":"Cool.","start":3510.01,"end":3510.51,"sentiment":"positive","sentiment_score":0.4876832365989685}],"sentiment":"positive","sentiment_score":0.4876832365989685,"channel":1,"num_words":1,"start":3510.01,"end":3510.51},{"sentences":[{"text":"is really good.","start":3510.0652,"end":3511.0251,"sentiment":"positive","sentiment_score":0.5047928094863892},{"text":"Yeah.","start":3511.0251,"end":3511.425,"sentiment":"positive","sentiment_score":0.3475787937641144},{"text":"Excellent.","start":3511.425,"end":3511.925,"sentiment":"positive","sentiment_score":0.4893985390663147},{"text":"All good.","start":3512.3052,"end":3513.0452,"sentiment":"positive","sentiment_score":0.3935369402170181},{"text":"So just to kind of reiterate around the advice scenario, we're scoping in and looking at super for you both, making sure that's got your super and the portfolio is working forward well,","start":3513.78,"end":3525.8,"sentiment":"neutral","sentiment_score":0.19824293142918384}],"sentiment":"neutral","sentiment_score":0.2420111594721675,"channel":0,"num_words":40,"start":3510.0652,"end":3525.8},{"sentences":[{"text":"It's","start":3526.175,"end":3526.415,"sentiment":"neutral","sentiment_score":0.10067107528448103}],"sentiment":"neutral","sentiment_score":0.10067107528448103,"channel":1,"num_words":1,"start":3526.175,"end":3526.415},{"sentences":[{"text":"looking","start":3526.205,"end":3526.445,"sentiment":"neutral","sentiment_score":0.10317670553922652}],"sentiment":"neutral","sentiment_score":0.10317670553922652,"channel":0,"num_words":1,"start":3526.205,"end":3526.445},{"sentences":[{"text":"just","start":3526.415,"end":3526.575,"sentiment":"neutral","sentiment_score":0.12035733461380003}],"sentiment":"neutral","sentiment_score":0.12035733461380003,"channel":1,"num_words":1,"start":3526.415,"end":3526.575},{"sentences":[{"text":"at","start":3526.445,"end":3526.685,"sentiment":"neutral","sentiment_score":0.09320061653852464}],"sentiment":"neutral","sentiment_score":0.09320061653852464,"channel":0,"num_words":1,"start":3526.445,"end":3526.685},{"sentences":[{"text":"looking","start":3526.575,"end":3526.895,"sentiment":"neutral","sentiment_score":0.108857199549675}],"sentiment":"neutral","sentiment_score":0.108857199549675,"channel":1,"num_words":1,"start":3526.575,"end":3526.895},{"sentences":[{"text":"your","start":3526.685,"end":3527.085,"sentiment":"neutral","sentiment_score":0.12127331644296646}],"sentiment":"neutral","sentiment_score":0.12127331644296646,"channel":0,"num_words":1,"start":3526.685,"end":3527.085},{"sentences":[{"text":"like","start":3526.895,"end":3527.135,"sentiment":"neutral","sentiment_score":0.15925633907318115}],"sentiment":"neutral","sentiment_score":0.15925633907318115,"channel":1,"num_words":1,"start":3526.895,"end":3527.135},{"sentences":[{"text":"new","start":3527.085,"end":3527.325,"sentiment":"neutral","sentiment_score":0.16294126212596893}],"sentiment":"neutral","sentiment_score":0.16294126212596893,"channel":0,"num_words":1,"start":3527.085,"end":3527.325},{"sentences":[{"text":"it is.","start":3527.135,"end":3527.64,"sentiment":"neutral","sentiment_score":0.12454194575548173}],"sentiment":"neutral","sentiment_score":0.12454194575548173,"channel":1,"num_words":2,"start":3527.135,"end":3527.64},{"sentences":[{"text":"current yeah.","start":3527.325,"end":3528.525,"sentiment":"neutral","sentiment_score":0.010420986451208591},{"text":"Looking at your new current income.","start":3528.525,"end":3530.225,"sentiment":"neutral","sentiment_score":0.01610106447090705},{"text":"And are you still wanting me to factor in additional contributions if","start":3530.845,"end":3534.365,"sentiment":"neutral","sentiment_score":0.017634765865902107}],"sentiment":"neutral","sentiment_score":0.016453277505934238,"channel":0,"num_words":20,"start":3527.325,"end":3534.365},{"sentences":[{"text":"Yes.","start":3534.2,"end":3534.68,"sentiment":"neutral","sentiment_score":0.012914213351905346}],"sentiment":"neutral","sentiment_score":0.012914213351905346,"channel":1,"num_words":1,"start":3534.2,"end":3534.68},{"sentences":[{"text":"they need","start":3534.365,"end":3534.765,"sentiment":"neutral","sentiment_score":0.006910641212016344}],"sentiment":"neutral","sentiment_score":0.006910641212016344,"channel":0,"num_words":2,"start":3534.365,"end":3534.765},{"sentences":[{"text":"Yep.","start":3534.68,"end":3535.18,"sentiment":"neutral","sentiment_score":0.009090938605368136}],"sentiment":"neutral","sentiment_score":0.009090938605368136,"channel":1,"num_words":1,"start":3534.68,"end":3535.18},{"sentences":[{"text":"to be made to cover?","start":3534.765,"end":3536.205,"sentiment":"neutral","sentiment_score":0.009405739977955819},{"text":"Yep.","start":3536.205,"end":3536.685,"sentiment":"neutral","sentiment_score":0.04548931866884232}],"sentiment":"neutral","sentiment_score":0.015419669759770235,"channel":0,"num_words":6,"start":3534.765,"end":3536.685},{"sentences":[{"text":"I'll","start":3536.5999,"end":3536.92,"sentiment":"neutral","sentiment_score":0.09573839604854584}],"sentiment":"neutral","sentiment_score":0.09573839604854584,"channel":1,"num_words":1,"start":3536.5999,"end":3536.92},{"sentences":[{"text":"Cool.","start":3536.685,"end":3537.185,"sentiment":"neutral","sentiment_score":0.14176033437252045}],"sentiment":"neutral","sentiment_score":0.14176033437252045,"channel":0,"num_words":1,"start":3536.685,"end":3537.185},{"sentences":[{"text":"I'll yeah.","start":3536.92,"end":3537.48,"sentiment":"neutral","sentiment_score":0.12689325213432312},{"text":"I'll make whatever the maximum you can use,","start":3537.48,"end":3539.7998,"sentiment":"neutral","sentiment_score":0.10942173935472965}],"sentiment":"neutral","sentiment_score":0.11291604191064834,"channel":1,"num_words":10,"start":3536.92,"end":3539.7998},{"sentences":[{"text":"Yep.","start":3539.485,"end":3539.985,"sentiment":"neutral","sentiment_score":0.0912151336669922}],"sentiment":"neutral","sentiment_score":0.0912151336669922,"channel":0,"num_words":1,"start":3539.485,"end":3539.985},{"sentences":[{"text":"I think, every year.","start":3539.7998,"end":3540.825,"sentiment":"neutral","sentiment_score":0.0850233007222414},{"text":"So that way, it","start":3540.825,"end":3541.4648,"sentiment":"neutral","sentiment_score":0.11682203598320484}],"sentiment":"neutral","sentiment_score":0.10092266835272312,"channel":1,"num_words":8,"start":3539.7998,"end":3541.4648},{"sentences":[{"text":"Yep.","start":3541.325,"end":3541.56,"sentiment":"neutral","sentiment_score":0.10138143599033356}],"sentiment":"neutral","sentiment_score":0.10138143599033356,"channel":0,"num_words":1,"start":3541.325,"end":3541.56},{"sentences":[{"text":"doesn't my that way cutting back half time doesn't really affect the super Awesome.","start":3541.4648,"end":3546.705,"sentiment":"neutral","sentiment_score":0.08711958836231913}],"sentiment":"neutral","sentiment_score":0.08711958836231913,"channel":1,"num_words":14,"start":3541.4648,"end":3546.705},{"sentences":[{"text":"Yep.","start":3546.6,"end":3547.1,"sentiment":"neutral","sentiment_score":0.04650860279798508}],"sentiment":"neutral","sentiment_score":0.04650860279798508,"channel":0,"num_words":1,"start":3546.6,"end":3547.1},{"sentences":[{"text":"Is what I Hasn't","start":3546.905,"end":3547.625,"sentiment":"neutral","sentiment_score":0.012746188323944807}],"sentiment":"neutral","sentiment_score":0.012746188323944807,"channel":1,"num_words":4,"start":3546.905,"end":3547.625},{"sentences":[{"text":"Yep.","start":3547.56,"end":3547.6401,"sentiment":"neutral","sentiment_score":0.009251797571778296}],"sentiment":"neutral","sentiment_score":0.009251797571778296,"channel":0,"num_words":1,"start":3547.56,"end":3547.6401},{"sentences":[{"text":"it?","start":3547.625,"end":3547.865,"sentiment":"neutral","sentiment_score":0.015420537441968918}],"sentiment":"neutral","sentiment_score":0.015420537441968918,"channel":1,"num_words":1,"start":3547.625,"end":3547.865},{"sentences":[{"text":"Lovely.","start":3547.6401,"end":3548.1401,"sentiment":"neutral","sentiment_score":0.15636590123176575}],"sentiment":"neutral","sentiment_score":0.15636590123176575,"channel":0,"num_words":1,"start":3547.6401,"end":3548.1401},{"sentences":[{"text":"Yeah.","start":3547.865,"end":3548.365,"sentiment":"neutral","sentiment_score":0.06458675861358643}],"sentiment":"neutral","sentiment_score":0.06458675861358643,"channel":1,"num_words":1,"start":3547.865,"end":3548.365},{"sentences":[{"text":"Yep.","start":3548.36,"end":3548.6802,"sentiment":"neutral","sentiment_score":0.05665990337729454},{"text":"That's okay.","start":3548.6802,"end":3549.5,"sentiment":"neutral","sentiment_score":0.06434321962296963},{"text":"Did you want me to include that as, say, salary sacrifice, or did you wanna sort of hold off until the end of the financial year and do it as a lump sum?","start":3549.6401,"end":3557.505,"sentiment":"neutral","sentiment_score":0.012248941273851828},{"text":"What would you","start":3557.585,"end":3558.1448,"sentiment":"neutral","sentiment_score":0.003915023989975452}],"sentiment":"neutral","sentiment_score":0.01541811478539155,"channel":0,"num_words":39,"start":3548.36,"end":3558.1448},{"sentences":[{"text":"What's","start":3558.0,"end":3558.3198,"sentiment":"neutral","sentiment_score":0.0024643996730446815}],"sentiment":"neutral","sentiment_score":0.0024643996730446815,"channel":1,"num_words":1,"start":3558.0,"end":3558.3198},{"sentences":[{"text":"sort","start":3558.1448,"end":3558.4648,"sentiment":"neutral","sentiment_score":0.003101807087659836}],"sentiment":"neutral","sentiment_score":0.003101807087659836,"channel":0,"num_words":1,"start":3558.1448,"end":3558.4648},{"sentences":[{"text":"the","start":3558.3198,"end":3558.48,"sentiment":"neutral","sentiment_score":0.0023574233055114746}],"sentiment":"neutral","sentiment_score":0.0023574233055114746,"channel":1,"num_words":1,"start":3558.3198,"end":3558.48},{"sentences":[{"text":"of what","start":3558.4648,"end":3558.9448,"sentiment":"neutral","sentiment_score":-0.004407824482768774}],"sentiment":"neutral","sentiment_score":-0.004407824482768774,"channel":0,"num_words":2,"start":3558.4648,"end":3558.9448},{"sentences":[{"text":"what what's","start":3558.7998,"end":3559.2,"sentiment":"neutral","sentiment_score":-0.004738525953143835}],"sentiment":"neutral","sentiment_score":-0.004738525953143835,"channel":1,"num_words":2,"start":3558.7998,"end":3559.2},{"sentences":[{"text":"are you comfortable","start":3558.9448,"end":3559.585,"sentiment":"neutral","sentiment_score":-0.0007107605536778768}],"sentiment":"neutral","sentiment_score":-0.0007107605536778768,"channel":0,"num_words":3,"start":3558.9448,"end":3559.585},{"sentences":[{"text":"what's easier?","start":3559.2,"end":3560.02,"sentiment":"neutral","sentiment_score":0.009122143965214491}],"sentiment":"neutral","sentiment_score":0.009122143965214491,"channel":1,"num_words":2,"start":3559.2,"end":3560.02},{"sentences":[{"text":"with?","start":3559.585,"end":3560.085,"sentiment":"neutral","sentiment_score":0.005806783214211464}],"sentiment":"neutral","sentiment_score":0.005806783214211464,"channel":0,"num_words":1,"start":3559.585,"end":3560.085},{"sentences":[{"text":"What's","start":3560.7998,"end":3561.2,"sentiment":"neutral","sentiment_score":0.015288574621081352}],"sentiment":"neutral","sentiment_score":0.015288574621081352,"channel":1,"num_words":1,"start":3560.7998,"end":3561.2},{"sentences":[{"text":"Honestly,","start":3560.9448,"end":3561.4448,"sentiment":"neutral","sentiment_score":0.012240763753652573}],"sentiment":"neutral","sentiment_score":0.012240763753652573,"channel":0,"num_words":1,"start":3560.9448,"end":3561.4448},{"sentences":[{"text":"better?","start":3561.2,"end":3561.7,"sentiment":"neutral","sentiment_score":0.031403690576553345}],"sentiment":"neutral","sentiment_score":0.031403690576553345,"channel":1,"num_words":1,"start":3561.2,"end":3561.7},{"sentences":[{"text":"salary sacrifice works out better because you're putting more more amounts in on a regular","start":3561.505,"end":3566.785,"sentiment":"neutral","sentiment_score":0.047208487242460254}],"sentiment":"neutral","sentiment_score":0.047208487242460254,"channel":0,"num_words":15,"start":3561.505,"end":3566.785},{"sentences":[{"text":"In more","start":3566.3198,"end":3566.88,"sentiment":"neutral","sentiment_score":0.02806878462433815}],"sentiment":"neutral","sentiment_score":0.02806878462433815,"channel":1,"num_words":2,"start":3566.3198,"end":3566.88},{"sentences":[{"text":"basis.","start":3566.785,"end":3567.285,"sentiment":"neutral","sentiment_score":0.03758259862661362}],"sentiment":"neutral","sentiment_score":0.03758259862661362,"channel":0,"num_words":1,"start":3566.785,"end":3567.285},{"sentences":[{"text":"often.","start":3566.88,"end":3567.3599,"sentiment":"neutral","sentiment_score":0.039379656314849854},{"text":"Yep.","start":3567.3599,"end":3567.76,"sentiment":"neutral","sentiment_score":0.09038686007261276},{"text":"That's","start":3567.76,"end":3568.0798,"sentiment":"neutral","sentiment_score":0.12597136199474335}],"sentiment":"neutral","sentiment_score":0.08524595946073532,"channel":1,"num_words":3,"start":3566.88,"end":3568.0798},{"sentences":[{"text":"Correct.","start":3567.9849,"end":3568.3848,"sentiment":"neutral","sentiment_score":0.20607657730579376}],"sentiment":"neutral","sentiment_score":0.20607657730579376,"channel":0,"num_words":1,"start":3567.9849,"end":3568.3848},{"sentences":[{"text":"true.","start":3568.0798,"end":3568.3198,"sentiment":"neutral","sentiment_score":0.16097627580165863},{"text":"Yep.","start":3568.3198,"end":3568.64,"sentiment":"neutral","sentiment_score":0.13591831922531128}],"sentiment":"neutral","sentiment_score":0.14844729751348495,"channel":1,"num_words":2,"start":3568.0798,"end":3568.64},{"sentences":[{"text":"And then","start":3568.3848,"end":3568.785,"sentiment":"neutral","sentiment_score":0.10368473827838898}],"sentiment":"neutral","sentiment_score":0.10368473827838898,"channel":0,"num_words":2,"start":3568.3848,"end":3568.785},{"sentences":[{"text":"That's","start":3568.64,"end":3568.935,"sentiment":"neutral","sentiment_score":0.11714863032102583}],"sentiment":"neutral","sentiment_score":0.11714863032102583,"channel":1,"num_words":1,"start":3568.64,"end":3568.935},{"sentences":[{"text":"you dollar","start":3568.785,"end":3569.265,"sentiment":"neutral","sentiment_score":0.12393417954444885}],"sentiment":"neutral","sentiment_score":0.12393417954444885,"channel":0,"num_words":2,"start":3568.785,"end":3569.265},{"sentences":[{"text":"yep.","start":3569.2551,"end":3569.7551,"sentiment":"neutral","sentiment_score":0.1009141132235527}],"sentiment":"neutral","sentiment_score":0.1009141132235527,"channel":1,"num_words":1,"start":3569.2551,"end":3569.7551},{"sentences":[{"text":"cost averaging.","start":3569.265,"end":3570.085,"sentiment":"neutral","sentiment_score":0.1464034803211689},{"text":"That provides a much greater effect long term.","start":3570.2249,"end":3572.625,"sentiment":"positive","sentiment_score":0.41591133177280426},{"text":"If you're comfortable with that, that's what","start":3572.625,"end":3574.51,"sentiment":"neutral","sentiment_score":0.2039855761187417}],"sentiment":"neutral","sentiment_score":0.29694097927388025,"channel":0,"num_words":17,"start":3569.265,"end":3574.51},{"sentences":[{"text":"Yep.","start":3574.455,"end":3574.955,"sentiment":"neutral","sentiment_score":0.16608212888240814}],"sentiment":"neutral","sentiment_score":0.16608212888240814,"channel":1,"num_words":1,"start":3574.455,"end":3574.955},{"sentences":[{"text":"we'll look at for you.","start":3574.51,"end":3575.8699,"sentiment":"neutral","sentiment_score":0.13699404746294022},{"text":"Yep.","start":3575.8699,"end":3576.3699,"sentiment":"neutral","sentiment_score":0.08954775333404541}],"sentiment":"neutral","sentiment_score":0.1290863317747911,"channel":0,"num_words":6,"start":3574.51,"end":3576.3699},{"sentences":[{"text":"Yep.","start":3576.615,"end":3576.935,"sentiment":"neutral","sentiment_score":0.10233829915523528},{"text":"Because that way, then when I","start":3576.935,"end":3577.655,"sentiment":"neutral","sentiment_score":0.1325064698855082}],"sentiment":"neutral","sentiment_score":0.12819673120975494,"channel":1,"num_words":7,"start":3576.615,"end":3577.655},{"sentences":[{"text":"Beautiful.","start":3577.63,"end":3578.13,"sentiment":"neutral","sentiment_score":0.22977808117866516}],"sentiment":"neutral","sentiment_score":0.22977808117866516,"channel":0,"num_words":1,"start":3577.63,"end":3578.13},{"sentences":[{"text":"get on my bench, when I get on my bank, that's sort of","start":3577.655,"end":3579.895,"sentiment":"neutral","sentiment_score":0.16314557595894888}],"sentiment":"neutral","sentiment_score":0.16314557595894888,"channel":1,"num_words":13,"start":3577.655,"end":3579.895},{"sentences":[{"text":"Yeah.","start":3579.8699,"end":3580.3699,"sentiment":"neutral","sentiment_score":0.29994142055511475}],"sentiment":"neutral","sentiment_score":0.29994142055511475,"channel":0,"num_words":1,"start":3579.8699,"end":3580.3699},{"sentences":[{"text":"good.","start":3579.895,"end":3580.395,"sentiment":"positive","sentiment_score":0.48387646675109863}],"sentiment":"positive","sentiment_score":0.48387646675109863,"channel":1,"num_words":1,"start":3579.895,"end":3580.395},{"sentences":[{"text":"Absolutely.","start":3580.8298,"end":3581.3298,"sentiment":"positive","sentiment_score":0.625220775604248},{"text":"Fantastic.","start":3581.7898,"end":3582.2898,"sentiment":"positive","sentiment_score":0.6820521354675293},{"text":"I'll assess what you have to cover the cap.","start":3583.15,"end":3586.0498,"sentiment":"neutral","sentiment_score":0.24178211722109053},{"text":"I do sometimes, depending on discrepancies with income, I do tend to maybe leave, like, a 1 or $2,000","start":3586.1099,"end":3592.615,"sentiment":"neutral","sentiment_score":0.02641226307145859}],"sentiment":"neutral","sentiment_score":0.1328381654806435,"channel":0,"num_words":30,"start":3580.8298,"end":3592.615},{"sentences":[{"text":"Yep.","start":3592.3801,"end":3592.8801,"sentiment":"neutral","sentiment_score":0.003007862251251936}],"sentiment":"neutral","sentiment_score":0.003007862251251936,"channel":1,"num_words":1,"start":3592.3801,"end":3592.8801},{"sentences":[{"text":"gap depending","start":3592.615,"end":3593.435,"sentiment":"neutral","sentiment_score":-0.005427628755569458}],"sentiment":"neutral","sentiment_score":-0.005427628755569458,"channel":0,"num_words":2,"start":3592.615,"end":3593.435},{"sentences":[{"text":"So you don't","start":3593.1,"end":3593.58,"sentiment":"neutral","sentiment_score":-0.011316715429226557}],"sentiment":"neutral","sentiment_score":-0.011316715429226557,"channel":1,"num_words":3,"start":3593.1,"end":3593.58},{"sentences":[{"text":"on","start":3593.4949,"end":3593.7349,"sentiment":"neutral","sentiment_score":-0.01684529520571232}],"sentiment":"neutral","sentiment_score":-0.01684529520571232,"channel":0,"num_words":1,"start":3593.4949,"end":3593.7349},{"sentences":[{"text":"go","start":3593.58,"end":3593.74,"sentiment":"neutral","sentiment_score":-0.00943187065422535}],"sentiment":"neutral","sentiment_score":-0.00943187065422535,"channel":1,"num_words":1,"start":3593.58,"end":3593.74},{"sentences":[{"text":"what","start":3593.7349,"end":3593.895,"sentiment":"neutral","sentiment_score":-0.005942527204751968}],"sentiment":"neutral","sentiment_score":-0.005942527204751968,"channel":0,"num_words":1,"start":3593.7349,"end":3593.895},{"sentences":[{"text":"over?","start":3593.74,"end":3594.225,"sentiment":"neutral","sentiment_score":0.010513320565223694}],"sentiment":"neutral","sentiment_score":0.010513320565223694,"channel":1,"num_words":1,"start":3593.74,"end":3594.225},{"sentences":[{"text":"it is.","start":3593.895,"end":3594.555,"sentiment":"neutral","sentiment_score":0.023413014598190784},{"text":"Correct.","start":3594.775,"end":3595.175,"sentiment":"neutral","sentiment_score":0.09124578535556792}],"sentiment":"neutral","sentiment_score":0.04602393818398317,"channel":0,"num_words":3,"start":3593.895,"end":3595.175},{"sentences":[{"text":"Yep.","start":3595.105,"end":3595.605,"sentiment":"neutral","sentiment_score":0.0885629653930664}],"sentiment":"neutral","sentiment_score":0.0885629653930664,"channel":1,"num_words":1,"start":3595.105,"end":3595.605},{"sentences":[{"text":"But I'll just make sure that we sort of factor that in for you and show you what that looks like.","start":3595.175,"end":3599.355,"sentiment":"neutral","sentiment_score":0.10772637419757389}],"sentiment":"neutral","sentiment_score":0.10772637419757389,"channel":0,"num_words":21,"start":3595.175,"end":3599.355},{"sentences":[{"text":"Yep.","start":3599.665,"end":3600.165,"sentiment":"neutral","sentiment_score":0.1993865817785263}],"sentiment":"neutral","sentiment_score":0.1993865817785263,"channel":1,"num_words":1,"start":3599.665,"end":3600.165},{"sentences":[{"text":"Excellent.","start":3600.055,"end":3600.555,"sentiment":"positive","sentiment_score":0.46213945746421814},{"text":"Lisa, so with yours, again, looking at your super with your rider super, we'll definitely have to retain the Qsu, but I'll factor that into the advice there for you the same as I did last time.","start":3601.335,"end":3610.01,"sentiment":"neutral","sentiment_score":0.27325871465979396}],"sentiment":"neutral","sentiment_score":0.2782292605230683,"channel":0,"num_words":38,"start":3600.055,"end":3610.01},{"sentences":[{"text":"Yep.","start":3610.6,"end":3611.1,"sentiment":"neutral","sentiment_score":0.08300270885229111}],"sentiment":"neutral","sentiment_score":0.08300270885229111,"channel":1,"num_words":1,"start":3610.6,"end":3611.1},{"sentences":[{"text":"Last time, we did look at the SMA.","start":3610.71,"end":3612.73,"sentiment":"neutral","sentiment_score":0.05826386949047446},{"text":"I might even just look at that again if that's okay for the investments, but I'll also look at the same sort of investment portfolio that Scott is in because that","start":3613.51,"end":3621.495,"sentiment":"neutral","sentiment_score":0.1024764261899456}],"sentiment":"neutral","sentiment_score":0.09340718379005408,"channel":0,"num_words":39,"start":3610.71,"end":3621.495},{"sentences":[{"text":"Yeah.","start":3621.345,"end":3621.845,"sentiment":"neutral","sentiment_score":0.1608206331729889}],"sentiment":"neutral","sentiment_score":0.1608206331729889,"channel":1,"num_words":1,"start":3621.345,"end":3621.845},{"sentences":[{"text":"might actually provide a greater benefit to you.","start":3621.495,"end":3623.735,"sentiment":"neutral","sentiment_score":0.23655294813215733},{"text":"Are you comfortable with that?","start":3623.735,"end":3625.2751,"sentiment":"neutral","sentiment_score":0.098095241189003}],"sentiment":"neutral","sentiment_score":0.1832999839232518,"channel":0,"num_words":13,"start":3621.495,"end":3625.2751},{"sentences":[{"text":"Yeah.","start":3625.345,"end":3625.665,"sentiment":"neutral","sentiment_score":0.1113024726510048},{"text":"That's fine.","start":3625.665,"end":3626.4849,"sentiment":"neutral","sentiment_score":0.19231325387954712}],"sentiment":"neutral","sentiment_score":0.16530966013669968,"channel":1,"num_words":3,"start":3625.345,"end":3626.4849},{"sentences":[{"text":"Yep.","start":3626.855,"end":3627.175,"sentiment":"neutral","sentiment_score":0.2937246263027191},{"text":"Beautiful.","start":3627.175,"end":3627.675,"sentiment":"positive","sentiment_score":0.4686617851257324},{"text":"And you want me to look at your income to determine if you're able to drop back to 50% hours as well, cover","start":3628.615,"end":3635.91,"sentiment":"neutral","sentiment_score":0.11845326941946278}],"sentiment":"neutral","sentiment_score":0.13947246432304383,"channel":0,"num_words":25,"start":3626.855,"end":3635.91},{"sentences":[{"text":"Yeah.","start":3635.75,"end":3636.25,"sentiment":"neutral","sentiment_score":0.06465259939432144}],"sentiment":"neutral","sentiment_score":0.06465259939432144,"channel":1,"num_words":1,"start":3635.75,"end":3636.25},{"sentences":[{"text":"expenses for the two of you, and also look at whether you're able to then cover contribution gaps","start":3635.91,"end":3642.3098,"sentiment":"neutral","sentiment_score":0.07977984638677703}],"sentiment":"neutral","sentiment_score":0.07977984638677703,"channel":0,"num_words":18,"start":3635.91,"end":3642.3098},{"sentences":[{"text":"Yep.","start":3642.15,"end":3642.65,"sentiment":"neutral","sentiment_score":0.11177647113800047}],"sentiment":"neutral","sentiment_score":0.11177647113800047,"channel":1,"num_words":1,"start":3642.15,"end":3642.65},{"sentences":[{"text":"and build super towards your time.","start":3642.3098,"end":3644.165,"sentiment":"neutral","sentiment_score":0.2095354807873567},{"text":"Am I on the right track?","start":3644.165,"end":3645.205,"sentiment":"neutral","sentiment_score":0.14997591326634088},{"text":"Do I have that correct?","start":3645.205,"end":3646.425,"sentiment":"neutral","sentiment_score":0.09411958903074265}],"sentiment":"neutral","sentiment_score":0.15456860643975875,"channel":0,"num_words":17,"start":3642.3098,"end":3646.425},{"sentences":[{"text":"Yes.","start":3646.31,"end":3646.79,"sentiment":"neutral","sentiment_score":0.10802267491817474},{"text":"Yes.","start":3646.79,"end":3647.19,"sentiment":"neutral","sentiment_score":0.12684039771556854},{"text":"Yep.","start":3647.19,"end":3647.43,"sentiment":"neutral","sentiment_score":0.155398890376091},{"text":"So pretty much to be in the same position as Scott.","start":3647.43,"end":3649.575,"sentiment":"neutral","sentiment_score":0.2025076381184838},{"text":"So yeah.","start":3649.655,"end":3650.375,"sentiment":"neutral","sentiment_score":0.14100714027881622}],"sentiment":"neutral","sentiment_score":0.18124126642942429,"channel":1,"num_words":16,"start":3646.31,"end":3650.375},{"sentences":[{"text":"Yep.","start":3650.325,"end":3650.825,"sentiment":"neutral","sentiment_score":0.08932401984930038}],"sentiment":"neutral","sentiment_score":0.08932401984930038,"channel":0,"num_words":1,"start":3650.325,"end":3650.825},{"sentences":[{"text":"Yes.","start":3650.375,"end":3650.855,"sentiment":"neutral","sentiment_score":0.09135979413986206},{"text":"Salary","start":3650.855,"end":3651.355,"sentiment":"neutral","sentiment_score":0.08758784830570221}],"sentiment":"neutral","sentiment_score":0.08947382122278214,"channel":1,"num_words":2,"start":3650.375,"end":3651.355},{"sentences":[{"text":"Yep.","start":3651.045,"end":3651.545,"sentiment":"neutral","sentiment_score":0.03144188970327377}],"sentiment":"neutral","sentiment_score":0.03144188970327377,"channel":0,"num_words":1,"start":3651.045,"end":3651.545},{"sentences":[{"text":"sacrificing as well and making sure we can still live.","start":3651.4949,"end":3653.915,"sentiment":"neutral","sentiment_score":0.020056478306651117}],"sentiment":"neutral","sentiment_score":0.020056478306651117,"channel":1,"num_words":10,"start":3651.4949,"end":3653.915},{"sentences":[{"text":"Yep.","start":3654.325,"end":3654.825,"sentiment":"neutral","sentiment_score":0.05642659589648247}],"sentiment":"neutral","sentiment_score":0.05642659589648247,"channel":0,"num_words":1,"start":3654.325,"end":3654.825},{"sentences":[{"text":"It's not all","start":3654.375,"end":3655.115,"sentiment":"neutral","sentiment_score":0.009839985519647598}],"sentiment":"neutral","sentiment_score":0.009839985519647598,"channel":1,"num_words":3,"start":3654.375,"end":3655.115},{"sentences":[{"text":"And still","start":3654.885,"end":3655.44,"sentiment":"neutral","sentiment_score":0.017366552725434303}],"sentiment":"neutral","sentiment_score":0.017366552725434303,"channel":0,"num_words":2,"start":3654.885,"end":3655.44},{"sentences":[{"text":"whip her","start":3655.335,"end":3655.655,"sentiment":"neutral","sentiment_score":0.03724132105708122}],"sentiment":"neutral","sentiment_score":0.03724132105708122,"channel":1,"num_words":2,"start":3655.335,"end":3655.655},{"sentences":[{"text":"live.","start":3655.5999,"end":3656.0999,"sentiment":"neutral","sentiment_score":0.030297186225652695}],"sentiment":"neutral","sentiment_score":0.030297186225652695,"channel":0,"num_words":1,"start":3655.5999,"end":3656.0999},{"sentences":[{"text":"and make her work till she's 50.","start":3655.655,"end":3657.275,"sentiment":"neutral","sentiment_score":0.1243051705615861}],"sentiment":"neutral","sentiment_score":0.1243051705615861,"channel":1,"num_words":7,"start":3655.655,"end":3657.275},{"sentences":[{"text":"I love that.","start":3659.1199,"end":3659.8398,"sentiment":"positive","sentiment_score":0.6530234416325887},{"text":"I love it.","start":3659.8398,"end":3660.74,"sentiment":"positive","sentiment_score":0.6657480994860331},{"text":"No.","start":3662.0798,"end":3662.48,"sentiment":"neutral","sentiment_score":0.11186472326517104},{"text":"All good.","start":3662.48,"end":3663.2,"sentiment":"neutral","sentiment_score":0.2400796115398407},{"text":"Excellent.","start":3663.2,"end":3663.7,"sentiment":"positive","sentiment_score":0.3495015501976013}],"sentiment":"positive","sentiment_score":0.4897840119898319,"channel":0,"num_words":10,"start":3659.1199,"end":3663.7},{"sentences":[{"text":"With the insurance side of things, Scott, I'll look at yours, what you have now, look at your income protection, factor into your income, and work out whether we need to reduce the rate so that you have the maximum benefit, that you're not over insured and not overpaying for the income protection side of things.","start":3664.4,"end":3679.575,"sentiment":"neutral","sentiment_score":0.09432818042114377}],"sentiment":"neutral","sentiment_score":0.09432818042114377,"channel":0,"num_words":56,"start":3664.4,"end":3679.575},{"sentences":[{"text":"Yep.","start":3679.9648,"end":3680.4648,"sentiment":"neutral","sentiment_score":0.04481428489089012}],"sentiment":"neutral","sentiment_score":0.04481428489089012,"channel":1,"num_words":1,"start":3679.9648,"end":3680.4648},{"sentences":[{"text":"I'll also look at the life and TBD, look at halving the level and also canceling, look at what that does projected outcome as well as, cost of your insurances, and look at","start":3680.115,"end":3691.23,"sentiment":"neutral","sentiment_score":0.02704258584840731}],"sentiment":"neutral","sentiment_score":0.02704258584840731,"channel":0,"num_words":33,"start":3680.115,"end":3691.23},{"sentences":[{"text":"Yep.","start":3691.165,"end":3691.665,"sentiment":"neutral","sentiment_score":0.025033369660377502}],"sentiment":"neutral","sentiment_score":0.025033369660377502,"channel":1,"num_words":1,"start":3691.165,"end":3691.665},{"sentences":[{"text":"whether we can just reduce the half or get rid of completely.","start":3691.23,"end":3694.3699,"sentiment":"neutral","sentiment_score":0.016794626601040363},{"text":"But, realistically, if anything was to happen, goal wise insurances, you're both just wanting to make sure any debts that you have that's factoring in the 100,000 taken off the loan for the purchase of the motor home as well as your current vehicle loans is covered, and then funds are provided to your to your spouse as a benefit.","start":3694.75,"end":3716.36,"sentiment":"neutral","sentiment_score":0.06513450782125195},{"text":"Is that right?","start":3716.5,"end":3717.22,"sentiment":"neutral","sentiment_score":0.07324153184890747},{"text":"Am I on the track?","start":3717.22,"end":3718.26,"sentiment":"neutral","sentiment_score":0.04527997076511383},{"text":"Did you wanna add anything to that goal at all?","start":3718.26,"end":3720.68,"sentiment":"neutral","sentiment_score":0.02927821855992079}],"sentiment":"neutral","sentiment_score":0.0538723624828789,"channel":0,"num_words":90,"start":3691.23,"end":3720.68},{"sentences":[{"text":"No.","start":3721.055,"end":3721.295,"sentiment":"neutral","sentiment_score":-0.04491013288497925},{"text":"That's good.","start":3721.295,"end":3722.01,"sentiment":"neutral","sentiment_score":0.023015962913632393}],"sentiment":"neutral","sentiment_score":0.0003739309807618459,"channel":1,"num_words":3,"start":3721.055,"end":3722.01},{"sentences":[{"text":"Nope.","start":3722.5,"end":3722.82,"sentiment":"neutral","sentiment_score":-0.0035318161826580763},{"text":"That's okay.","start":3722.82,"end":3723.64,"sentiment":"neutral","sentiment_score":0.08319650590419769},{"text":"Excellent.","start":3723.94,"end":3724.44,"sentiment":"positive","sentiment_score":0.39663219451904297},{"text":"Beautiful.","start":3726.58,"end":3727.08,"sentiment":"positive","sentiment_score":0.4454353451728821},{"text":"We're not looking at trauma.","start":3727.615,"end":3728.975,"sentiment":"neutral","sentiment_score":0.10470978617668152}],"sentiment":"neutral","sentiment_score":0.152847766620107,"channel":0,"num_words":10,"start":3722.5,"end":3728.975},{"sentences":[{"text":"And, Lisa, for your insurance, as you're happy with the amount you have in Brighter Super, just looking at trying to transfer that over where possible, and then also just making sure everything's projected forward.","start":3728.975,"end":3739.855,"sentiment":"neutral","sentiment_score":0.21499799234526498},{"text":"Your super is correct.","start":3739.855,"end":3741.215,"sentiment":"neutral","sentiment_score":0.31858570501208305},{"text":"Link everything in the back end to lower fees as much as possible as well and retain your q super.","start":3741.215,"end":3748.04,"sentiment":"neutral","sentiment_score":0.2806630104780197},{"text":"You'd happy to retain your income protection with your employer there as well, and no trauma for each of you.","start":3748.82,"end":3754.18,"sentiment":"neutral","sentiment_score":0.26875396855175493},{"text":"Does that sound right?","start":3754.18,"end":3755.4,"sentiment":"neutral","sentiment_score":0.1341341007500887}],"sentiment":"neutral","sentiment_score":0.2448692594666079,"channel":0,"num_words":83,"start":3728.975,"end":3755.4},{"sentences":[{"text":"Yep.","start":3756.05,"end":3756.55,"sentiment":"neutral","sentiment_score":0.07372811436653137},{"text":"Yes.","start":3756.69,"end":3757.19,"sentiment":"neutral","sentiment_score":0.1159842535853386}],"sentiment":"neutral","sentiment_score":0.09485618397593498,"channel":1,"num_words":2,"start":3756.05,"end":3757.19},{"sentences":[{"text":"Yep.","start":3757.06,"end":3757.56,"sentiment":"neutral","sentiment_score":0.15299910306930542},{"text":"Beautiful.","start":3757.7,"end":3758.175,"sentiment":"positive","sentiment_score":0.5550345182418823},{"text":"Fantastic.","start":3760.0151,"end":3760.5151,"sentiment":"positive","sentiment_score":0.5976312160491943},{"text":"We're happy to stay in a growth portfolio environment for the time being, looking at the best way to move things forward, salary sacrifice for both of you there, and then beneficiaries, making sure that everything is directed to each other in the event of passing prematurely.","start":3761.375,"end":3775.8,"sentiment":"positive","sentiment_score":0.3641786962113482},{"text":"Is that correct?","start":3776.1802,"end":3777.08,"sentiment":"neutral","sentiment_score":0.19147791961828867}],"sentiment":"positive","sentiment_score":0.35842447770091723,"channel":0,"num_words":53,"start":3757.06,"end":3777.08},{"sentences":[{"text":"Yep.","start":3777.625,"end":3778.125,"sentiment":"neutral","sentiment_score":0.07963784039020538},{"text":"Yep.","start":3778.2651,"end":3778.7651,"sentiment":"neutral","sentiment_score":0.08475393056869507}],"sentiment":"neutral","sentiment_score":0.08219588547945023,"channel":1,"num_words":2,"start":3777.625,"end":3778.7651},{"sentences":[{"text":"Yep.","start":3778.74,"end":3779.24,"sentiment":"neutral","sentiment_score":0.14084281027317047},{"text":"Beautiful.","start":3779.3801,"end":3779.8801,"sentiment":"positive","sentiment_score":0.4676039218902588},{"text":"Excellent.","start":3780.58,"end":3781.08,"sentiment":"neutral","sentiment_score":0.2131405919790268},{"text":"Is there anything else that I might have missed that you might want me to factor in for you?","start":3781.94,"end":3786.435,"sentiment":"neutral","sentiment_score":0.020496133224744546}],"sentiment":"neutral","sentiment_score":0.055046084336936474,"channel":0,"num_words":22,"start":3778.74,"end":3786.435},{"sentences":[{"text":"The only other thing is the super for me, brighter super is still under Lisa Bergen.","start":3787.47,"end":3792.85,"sentiment":"neutral","sentiment_score":0.3259570933878422}],"sentiment":"neutral","sentiment_score":0.3259570933878422,"channel":1,"num_words":16,"start":3787.47,"end":3792.85},{"sentences":[{"text":"Okay.","start":3793.955,"end":3794.435,"sentiment":"neutral","sentiment_score":0.10270872712135316},{"text":"We'll need to update that for you.","start":3794.435,"end":3796.375,"sentiment":"neutral","sentiment_score":0.11240439436265401},{"text":"Then Easy.","start":3796.995,"end":3798.115,"sentiment":"neutral","sentiment_score":0.19386647641658783},{"text":"Not a problem at all.","start":3798.115,"end":3798.93,"sentiment":"neutral","sentiment_score":0.2946170687675476},{"text":"What we will do is I'll factor that into the device.","start":3798.93,"end":3801.0898,"sentiment":"neutral","sentiment_score":0.14913016015833075}],"sentiment":"neutral","sentiment_score":0.1688765210027878,"channel":0,"num_words":26,"start":3793.955,"end":3801.0898},{"sentences":[{"text":"We'll have your name updated.","start":3801.0898,"end":3802.53,"sentiment":"neutral","sentiment_score":0.1572715610265732},{"text":"It's not a problem","start":3802.53,"end":3803.49,"sentiment":"neutral","sentiment_score":0.2618742361664772}],"sentiment":"neutral","sentiment_score":0.20376163886653054,"channel":0,"num_words":9,"start":3801.0898,"end":3803.49},{"sentences":[{"text":"Yep.","start":3803.205,"end":3803.705,"sentiment":"neutral","sentiment_score":0.23565375804901123}],"sentiment":"neutral","sentiment_score":0.23565375804901123,"channel":1,"num_words":1,"start":3803.205,"end":3803.705},{"sentences":[{"text":"at all.","start":3803.49,"end":3804.15,"sentiment":"neutral","sentiment_score":0.2401367500424385},{"text":"As","start":3804.3699,"end":3804.6099,"sentiment":"neutral","sentiment_score":0.1500026136636734}],"sentiment":"neutral","sentiment_score":0.21009203791618347,"channel":0,"num_words":3,"start":3803.49,"end":3804.6099},{"sentences":[{"text":"Yep.","start":3804.485,"end":3804.985,"sentiment":"neutral","sentiment_score":0.103768453001976}],"sentiment":"neutral","sentiment_score":0.103768453001976,"channel":1,"num_words":1,"start":3804.485,"end":3804.985},{"sentences":[{"text":"part of the implementation process, we'll just get a copy of your marriage certificate.","start":3804.6099,"end":3808.3699,"sentiment":"neutral","sentiment_score":0.11345416520323072},{"text":"We'll do the ID side of things, and we'll get the forms sorted and over to them so we can help you change the name prior to, transferring any funds over to hub twenty four, but we can help you with that process.","start":3808.3699,"end":3820.865,"sentiment":"neutral","sentiment_score":0.14268309224483577},{"text":"That's not a problem at all.","start":3820.865,"end":3822.305,"sentiment":"neutral","sentiment_score":0.3182494640350342},{"text":"Okay?","start":3822.305,"end":3822.805,"sentiment":"neutral","sentiment_score":0.24917343258857727}],"sentiment":"neutral","sentiment_score":0.15441252337768674,"channel":0,"num_words":64,"start":3804.6099,"end":3822.805},{"sentences":[{"text":"Cool.","start":3822.875,"end":3823.375,"sentiment":"positive","sentiment_score":0.549824595451355},{"text":"Sounds good.","start":3823.675,"end":3824.395,"sentiment":"positive","sentiment_score":0.6681716740131378}],"sentiment":"positive","sentiment_score":0.6287226478258768,"channel":1,"num_words":3,"start":3822.875,"end":3824.395},{"sentences":[{"text":"Excellent.","start":3824.305,"end":3824.805,"sentiment":"positive","sentiment_score":0.6587056517601013}],"sentiment":"positive","sentiment_score":0.6587056517601013,"channel":0,"num_words":1,"start":3824.305,"end":3824.805},{"sentences":[{"text":"And and, yeah, with with signing up, obviously, I'm I'm happy to go ahead with signing up.","start":3824.395,"end":3828.955,"sentiment":"positive","sentiment_score":0.4858802819953245},{"text":"So whatever I need to do to","start":3828.955,"end":3831.035,"sentiment":"neutral","sentiment_score":0.24621568194457463}],"sentiment":"positive","sentiment_score":0.41597810698052246,"channel":1,"num_words":24,"start":3824.395,"end":3831.035},{"sentences":[{"text":"Yep.","start":3830.99,"end":3831.49,"sentiment":"neutral","sentiment_score":0.20460718870162964}],"sentiment":"neutral","sentiment_score":0.20460718870162964,"channel":0,"num_words":1,"start":3830.99,"end":3831.49},{"sentences":[{"text":"do that, just just let me know and I'll sign whatever","start":3831.035,"end":3833.855,"sentiment":"neutral","sentiment_score":0.2744018354199149}],"sentiment":"neutral","sentiment_score":0.2744018354199149,"channel":1,"num_words":11,"start":3831.035,"end":3833.855},{"sentences":[{"text":"Yep.","start":3833.47,"end":3833.97,"sentiment":"neutral","sentiment_score":0.15998131036758423}],"sentiment":"neutral","sentiment_score":0.15998131036758423,"channel":0,"num_words":1,"start":3833.47,"end":3833.97},{"sentences":[{"text":"needs to be signed.","start":3833.915,"end":3834.895,"sentiment":"neutral","sentiment_score":0.17686201259493828}],"sentiment":"neutral","sentiment_score":0.17686201259493828,"channel":1,"num_words":4,"start":3833.915,"end":3834.895},{"sentences":[{"text":"Abs absolutely all good.","start":3834.71,"end":3837.17,"sentiment":"neutral","sentiment_score":0.3084132447838783},{"text":"Just with the fee structure now, it is exactly implementation","start":3837.8699,"end":3843.305,"sentiment":"neutral","sentiment_score":0.08339877910912037}],"sentiment":"neutral","sentiment_score":0.1476886264447655,"channel":0,"num_words":14,"start":3834.71,"end":3843.305},{"sentences":[{"text":"Yep.","start":3843.3,"end":3843.8,"sentiment":"neutral","sentiment_score":0.06891695410013199}],"sentiment":"neutral","sentiment_score":0.06891695410013199,"channel":1,"num_words":1,"start":3843.3,"end":3843.8},{"sentences":[{"text":"fee for yourself, Lisa, was $4.09 $5.00.","start":3843.605,"end":3846.085,"sentiment":"neutral","sentiment_score":0.07186975064022201},{"text":"That is deducted out of your super at the initial role over there.","start":3846.085,"end":3850.025,"sentiment":"neutral","sentiment_score":0.11597089813305782},{"text":"Scott, you're already a client, so there's no implementation fee for your side of the advice.","start":3850.245,"end":3855.065,"sentiment":"neutral","sentiment_score":0.13665451807901263}],"sentiment":"neutral","sentiment_score":0.11658839498543078,"channel":0,"num_words":36,"start":3843.605,"end":3855.065},{"sentences":[{"text":"Yep.","start":3855.665,"end":3856.165,"sentiment":"neutral","sentiment_score":0.13053017854690552}],"sentiment":"neutral","sentiment_score":0.13053017854690552,"channel":1,"num_words":1,"start":3855.665,"end":3856.165},{"sentences":[{"text":"And then the ongoing service fee for the first year is 1.10%.","start":3855.86,"end":3861.06,"sentiment":"neutral","sentiment_score":0.11707242578268051},{"text":"We obviously do reviews with you and then, you know, go through the fee structure each year.","start":3861.06,"end":3865.4001,"sentiment":"neutral","sentiment_score":0.08710989356040955},{"text":"If there's any changes down the track, I'll talk you through that before we agree to anything.","start":3865.7,"end":3869.6401,"sentiment":"neutral","sentiment_score":0.07906738493372412},{"text":"But it's 1.10 for you as the couple fee currently.","start":3870.285,"end":3873.905,"sentiment":"neutral","sentiment_score":0.07207865677773953},{"text":"And then once you come on board, Scott also gets reduced from the 1.65.","start":3874.6848,"end":3879.325,"sentiment":"neutral","sentiment_score":0.09389384037681989}],"sentiment":"neutral","sentiment_score":0.08950261681207589,"channel":0,"num_words":70,"start":3855.86,"end":3879.325},{"sentences":[{"text":"Does that make sense?","start":3879.325,"end":3880.365,"sentiment":"neutral","sentiment_score":0.06692393496632576},{"text":"Do you have any questions currently?","start":3880.365,"end":3882.145,"sentiment":"neutral","sentiment_score":0.03152425463000933}],"sentiment":"neutral","sentiment_score":0.045684126764535905,"channel":0,"num_words":10,"start":3879.325,"end":3882.145},{"sentences":[{"text":"Nope.","start":3883.2249,"end":3883.545,"sentiment":"neutral","sentiment_score":0.1032651886343956},{"text":"It's good.","start":3883.545,"end":3884.025,"sentiment":"neutral","sentiment_score":0.27665045857429504},{"text":"All good.","start":3884.025,"end":3884.765,"sentiment":"positive","sentiment_score":0.37585151195526123}],"sentiment":"neutral","sentiment_score":0.28165382593870164,"channel":1,"num_words":5,"start":3883.2249,"end":3884.765},{"sentences":[{"text":"No.","start":3884.76,"end":3885.24,"sentiment":"neutral","sentiment_score":0.19045153260231015},{"text":"Fantastic.","start":3885.24,"end":3885.74,"sentiment":"positive","sentiment_score":0.3971208035945892},{"text":"Excellent.","start":3886.04,"end":3886.54,"sentiment":"positive","sentiment_score":0.3653515577316284},{"text":"And what I'll do is I'll get Maddie to update","start":3886.9202,"end":3889.82,"sentiment":"neutral","sentiment_score":0.13381461650133133}],"sentiment":"neutral","sentiment_score":0.17623615838014162,"channel":0,"num_words":13,"start":3884.76,"end":3889.82},{"sentences":[{"text":"Yeah.","start":3890.91,"end":3891.23,"sentiment":"neutral","sentiment_score":0.04860002174973488}],"sentiment":"neutral","sentiment_score":0.04860002174973488,"channel":1,"num_words":1,"start":3890.91,"end":3891.23},{"sentences":[{"text":"to go","start":3891.0,"end":3891.32,"sentiment":"neutral","sentiment_score":0.023946821689605713}],"sentiment":"neutral","sentiment_score":0.023946821689605713,"channel":0,"num_words":2,"start":3891.0,"end":3891.32},{"sentences":[{"text":"What","start":3891.23,"end":3891.39,"sentiment":"neutral","sentiment_score":0.012474538758397102}],"sentiment":"neutral","sentiment_score":0.012474538758397102,"channel":1,"num_words":1,"start":3891.23,"end":3891.39},{"sentences":[{"text":"in","start":3891.32,"end":3891.56,"sentiment":"neutral","sentiment_score":0.01813538372516632}],"sentiment":"neutral","sentiment_score":0.01813538372516632,"channel":0,"num_words":1,"start":3891.32,"end":3891.56},{"sentences":[{"text":"do you","start":3891.39,"end":3891.71,"sentiment":"neutral","sentiment_score":0.018009815365076065}],"sentiment":"neutral","sentiment_score":0.018009815365076065,"channel":1,"num_words":2,"start":3891.39,"end":3891.71},{"sentences":[{"text":"and","start":3891.56,"end":3891.72,"sentiment":"neutral","sentiment_score":0.006862657144665718}],"sentiment":"neutral","sentiment_score":0.006862657144665718,"channel":0,"num_words":1,"start":3891.56,"end":3891.72},{"sentences":[{"text":"slip?","start":3891.71,"end":3892.21,"sentiment":"neutral","sentiment_score":0.02878515049815178}],"sentiment":"neutral","sentiment_score":0.02878515049815178,"channel":1,"num_words":1,"start":3891.71,"end":3892.21},{"sentences":[{"text":"help me with the the ID side of things.","start":3891.72,"end":3893.8801,"sentiment":"neutral","sentiment_score":0.07338554784655571},{"text":"Yep.","start":3893.8801,"end":3894.2002,"sentiment":"neutral","sentiment_score":0.0677114948630333},{"text":"We'll","start":3894.2002,"end":3894.36,"sentiment":"neutral","sentiment_score":0.07875727862119675}],"sentiment":"neutral","sentiment_score":0.07335806400938467,"channel":0,"num_words":11,"start":3891.72,"end":3894.36},{"sentences":[{"text":"Yep.","start":3894.27,"end":3894.77,"sentiment":"neutral","sentiment_score":0.05753286927938461}],"sentiment":"neutral","sentiment_score":0.05753286927938461,"channel":1,"num_words":1,"start":3894.27,"end":3894.77},{"sentences":[{"text":"get that link.","start":3894.36,"end":3895.0,"sentiment":"neutral","sentiment_score":0.06098478970428308},{"text":"She might just need to call you to get the information from your Lisa for the ID link to send out, but we'll try and work on that hopefully tomorrow.","start":3895.0,"end":3903.3252,"sentiment":"neutral","sentiment_score":0.010194278477380673},{"text":"And I'll see","start":3903.945,"end":3904.5051,"sentiment":"neutral","sentiment_score":0.010016988652447859}],"sentiment":"neutral","sentiment_score":0.014412046927544806,"channel":0,"num_words":36,"start":3894.36,"end":3904.5051},{"sentences":[{"text":"No","start":3904.355,"end":3904.515,"sentiment":"neutral","sentiment_score":0.01883705146610737}],"sentiment":"neutral","sentiment_score":0.01883705146610737,"channel":1,"num_words":1,"start":3904.355,"end":3904.515},{"sentences":[{"text":"if","start":3904.5051,"end":3904.665,"sentiment":"neutral","sentiment_score":0.0036339936777949338}],"sentiment":"neutral","sentiment_score":0.0036339936777949338,"channel":0,"num_words":1,"start":3904.5051,"end":3904.665},{"sentences":[{"text":"worries.","start":3904.515,"end":3905.015,"sentiment":"neutral","sentiment_score":0.028634198009967804}],"sentiment":"neutral","sentiment_score":0.028634198009967804,"channel":1,"num_words":1,"start":3904.515,"end":3905.015},{"sentences":[{"text":"Maddie can give you a hand with that one.","start":3904.665,"end":3906.185,"sentiment":"neutral","sentiment_score":0.05348064502080282},{"text":"We'll see if we can log in to it okay.","start":3906.185,"end":3908.2852,"sentiment":"neutral","sentiment_score":0.0508766196668148}],"sentiment":"neutral","sentiment_score":0.05211010536080912,"channel":0,"num_words":19,"start":3904.665,"end":3908.2852},{"sentences":[{"text":"Yep.","start":3909.075,"end":3909.475,"sentiment":"neutral","sentiment_score":0.16433970630168915},{"text":"All good.","start":3909.475,"end":3910.215,"sentiment":"positive","sentiment_score":0.5461824834346771}],"sentiment":"positive","sentiment_score":0.41890155772368115,"channel":1,"num_words":3,"start":3909.075,"end":3910.215},{"sentences":[{"text":"Excellent.","start":3910.94,"end":3911.44,"sentiment":"positive","sentiment_score":0.652031421661377},{"text":"Is there any additional questions or anything that you guys think I might have missed or anything else that you need to bring up or any questions","start":3912.0598,"end":3918.7,"sentiment":"neutral","sentiment_score":0.10375606641173363}],"sentiment":"neutral","sentiment_score":0.12333732909922089,"channel":0,"num_words":28,"start":3910.94,"end":3918.7},{"sentences":[{"text":"No.","start":3918.59,"end":3919.09,"sentiment":"neutral","sentiment_score":-0.03067844733595848}],"sentiment":"neutral","sentiment_score":-0.03067844733595848,"channel":1,"num_words":1,"start":3918.59,"end":3919.09},{"sentences":[{"text":"that have come out of any of that?","start":3918.7,"end":3920.3198,"sentiment":"neutral","sentiment_score":-0.025734317023307085}],"sentiment":"neutral","sentiment_score":-0.025734317023307085,"channel":0,"num_words":8,"start":3918.7,"end":3920.3198},{"sentences":[{"text":"No.","start":3920.6702,"end":3920.99,"sentiment":"neutral","sentiment_score":0.07614665478467941},{"text":"That works good.","start":3920.99,"end":3921.6301,"sentiment":"neutral","sentiment_score":0.25016745924949646},{"text":"Pretty good.","start":3921.6301,"end":3922.03,"sentiment":"positive","sentiment_score":0.4272797107696533},{"text":"Keeping up.","start":3922.03,"end":3922.9302,"sentiment":"positive","sentiment_score":0.3880019038915634}],"sentiment":"neutral","sentiment_score":0.3071515327319503,"channel":1,"num_words":8,"start":3920.6702,"end":3922.9302},{"sentences":[{"text":"Fantastic.","start":3923.42,"end":3923.92,"sentiment":"positive","sentiment_score":0.5874795913696289},{"text":"And what I'll do is I'll also just send you an email.","start":3924.0598,"end":3926.335,"sentiment":"neutral","sentiment_score":0.16031173430383205},{"text":"If you can send me, Lisa, a copy of your super statements for your Brighter Super, your QSuper showing the balances, and also the insurances for Brighter Super.","start":3926.335,"end":3936.8152,"sentiment":"neutral","sentiment_score":0.13197319129748003},{"text":"And if I can get both of you just to send me a copy of your most recent payslip as well, I just need all","start":3936.8152,"end":3943.19,"sentiment":"neutral","sentiment_score":0.08382805407047272}],"sentiment":"neutral","sentiment_score":0.12579047138040717,"channel":0,"num_words":66,"start":3923.42,"end":3943.19},{"sentences":[{"text":"Okay.","start":3943.085,"end":3943.585,"sentiment":"neutral","sentiment_score":0.07019057124853134}],"sentiment":"neutral","sentiment_score":0.07019057124853134,"channel":1,"num_words":1,"start":3943.085,"end":3943.585},{"sentences":[{"text":"of that to be able to go forward and do the research and just double check all the figures and make sure everything marries up for you both.","start":3943.19,"end":3949.53,"sentiment":"neutral","sentiment_score":0.07576535721974713},{"text":"Okay?","start":3949.59,"end":3950.09,"sentiment":"neutral","sentiment_score":0.030272232368588448}],"sentiment":"neutral","sentiment_score":0.07419662877660373,"channel":0,"num_words":29,"start":3943.19,"end":3950.09},{"sentences":[{"text":"Okay.","start":3950.1099,"end":3950.5098,"sentiment":"neutral","sentiment_score":0.02242577075958252},{"text":"So my payslip, do you want the latest one I've currently got, or I gotta go to work and send so I'll come back at work for a fortnight,","start":3950.5098,"end":3957.73,"sentiment":"neutral","sentiment_score":0.009459953931770447}],"sentiment":"neutral","sentiment_score":0.00989214782603085,"channel":1,"num_words":30,"start":3950.1099,"end":3957.73},{"sentences":[{"text":"Okay.","start":3958.265,"end":3958.765,"sentiment":"neutral","sentiment_score":0.0239576306194067}],"sentiment":"neutral","sentiment_score":0.0239576306194067,"channel":0,"num_words":1,"start":3958.265,"end":3958.765},{"sentences":[{"text":"probably.","start":3958.3499,"end":3958.8499,"sentiment":"neutral","sentiment_score":0.01106125209480524},{"text":"So do you want the the latest latest one?","start":3959.585,"end":3961.9248,"sentiment":"neutral","sentiment_score":0.0042472875987490015},{"text":"Or I've got one from a I think it's I think it's the same.","start":3962.4648,"end":3964.545,"sentiment":"neutral","sentiment_score":0.015602906101516314},{"text":"I think it's the same.","start":3964.545,"end":3965.6648,"sentiment":"neutral","sentiment_score":0.047670534998178485},{"text":"Same pay, same","start":3965.6648,"end":3966.565,"sentiment":"neutral","sentiment_score":0.053875673562288284}],"sentiment":"neutral","sentiment_score":0.020865850674454123,"channel":1,"num_words":32,"start":3958.3499,"end":3966.565},{"sentences":[{"text":"It they're both exactly the same.","start":3966.67,"end":3968.11,"sentiment":"neutral","sentiment_score":0.06932160506645839},{"text":"Just the most recent one you've got will be","start":3968.11,"end":3970.03,"sentiment":"neutral","sentiment_score":0.08729461746083365}],"sentiment":"neutral","sentiment_score":0.08010541250308355,"channel":0,"num_words":15,"start":3966.67,"end":3970.03},{"sentences":[{"text":"you've","start":3969.825,"end":3970.065,"sentiment":"neutral","sentiment_score":0.09998637437820436}],"sentiment":"neutral","sentiment_score":0.09998637437820436,"channel":1,"num_words":1,"start":3969.825,"end":3970.065},{"sentences":[{"text":"absolutely","start":3970.03,"end":3970.51,"sentiment":"neutral","sentiment_score":0.09143047779798508}],"sentiment":"neutral","sentiment_score":0.09143047779798508,"channel":0,"num_words":1,"start":3970.03,"end":3970.51},{"sentences":[{"text":"got yeah.","start":3970.065,"end":3970.625,"sentiment":"neutral","sentiment_score":0.10807262361049652}],"sentiment":"neutral","sentiment_score":0.10807262361049652,"channel":1,"num_words":2,"start":3970.065,"end":3970.625},{"sentences":[{"text":"fine.","start":3970.51,"end":3971.01,"sentiment":"neutral","sentiment_score":0.09867767989635468}],"sentiment":"neutral","sentiment_score":0.09867767989635468,"channel":0,"num_words":1,"start":3970.51,"end":3971.01},{"sentences":[{"text":"Cool.","start":3970.625,"end":3971.125,"sentiment":"neutral","sentiment_score":0.10925473272800446}],"sentiment":"neutral","sentiment_score":0.10925473272800446,"channel":1,"num_words":1,"start":3970.625,"end":3971.125},{"sentences":[{"text":"Yes.","start":3971.07,"end":3971.55,"sentiment":"neutral","sentiment_score":0.05594891682267189}],"sentiment":"neutral","sentiment_score":0.05594891682267189,"channel":0,"num_words":1,"start":3971.07,"end":3971.55},{"sentences":[{"text":"Yeah.","start":3971.1848,"end":3971.4248,"sentiment":"neutral","sentiment_score":0.03680552542209625},{"text":"Because","start":3971.4248,"end":3971.61,"sentiment":"neutral","sentiment_score":0.01615477167069912}],"sentiment":"neutral","sentiment_score":0.026480148546397686,"channel":1,"num_words":2,"start":3971.1848,"end":3971.61},{"sentences":[{"text":"Don't","start":3971.55,"end":3971.79,"sentiment":"neutral","sentiment_score":0.001163878245279193}],"sentiment":"neutral","sentiment_score":0.001163878245279193,"channel":0,"num_words":1,"start":3971.55,"end":3971.79},{"sentences":[{"text":"That","start":3971.6902,"end":3971.85,"sentiment":"neutral","sentiment_score":-0.007843231782317162}],"sentiment":"neutral","sentiment_score":-0.007843231782317162,"channel":1,"num_words":1,"start":3971.6902,"end":3971.85},{"sentences":[{"text":"want","start":3971.79,"end":3971.95,"sentiment":"neutral","sentiment_score":-0.01861145906150341}],"sentiment":"neutral","sentiment_score":-0.01861145906150341,"channel":0,"num_words":1,"start":3971.79,"end":3971.95},{"sentences":[{"text":"shows","start":3971.85,"end":3972.09,"sentiment":"neutral","sentiment_score":-0.01324109174311161}],"sentiment":"neutral","sentiment_score":-0.01324109174311161,"channel":1,"num_words":1,"start":3971.85,"end":3972.09},{"sentences":[{"text":"you","start":3971.95,"end":3972.11,"sentiment":"neutral","sentiment_score":-0.012567458674311638}],"sentiment":"neutral","sentiment_score":-0.012567458674311638,"channel":0,"num_words":1,"start":3971.95,"end":3972.11},{"sentences":[{"text":"it","start":3972.09,"end":3972.1702,"sentiment":"neutral","sentiment_score":-0.0009782612323760986}],"sentiment":"neutral","sentiment_score":-0.0009782612323760986,"channel":1,"num_words":1,"start":3972.09,"end":3972.1702},{"sentences":[{"text":"to","start":3972.11,"end":3972.19,"sentiment":"neutral","sentiment_score":-0.015606798231601717}],"sentiment":"neutral","sentiment_score":-0.015606798231601717,"channel":0,"num_words":1,"start":3972.11,"end":3972.19},{"sentences":[{"text":"shows","start":3972.1702,"end":3972.57,"sentiment":"neutral","sentiment_score":-0.01392644550651312}],"sentiment":"neutral","sentiment_score":-0.01392644550651312,"channel":1,"num_words":1,"start":3972.1702,"end":3972.57},{"sentences":[{"text":"have to go","start":3972.19,"end":3972.67,"sentiment":"neutral","sentiment_score":-0.00301637997229894}],"sentiment":"neutral","sentiment_score":-0.00301637997229894,"channel":0,"num_words":3,"start":3972.19,"end":3972.67},{"sentences":[{"text":"my","start":3972.57,"end":3973.07,"sentiment":"neutral","sentiment_score":-0.0019799470901489258}],"sentiment":"neutral","sentiment_score":-0.0019799470901489258,"channel":1,"num_words":1,"start":3972.57,"end":3973.07},{"sentences":[{"text":"in and","start":3972.67,"end":3972.99,"sentiment":"neutral","sentiment_score":0.0009581157937645912}],"sentiment":"neutral","sentiment_score":0.0009581157937645912,"channel":0,"num_words":2,"start":3972.67,"end":3972.99},{"sentences":[{"text":"yeah.","start":3973.61,"end":3973.9302,"sentiment":"neutral","sentiment_score":0.0011994261294603348}],"sentiment":"neutral","sentiment_score":0.0011994261294603348,"channel":1,"num_words":1,"start":3973.61,"end":3973.9302},{"sentences":[{"text":"yeah.","start":3973.79,"end":3974.29,"sentiment":"neutral","sentiment_score":0.006266997195780277}],"sentiment":"neutral","sentiment_score":0.006266997195780277,"channel":0,"num_words":1,"start":3973.79,"end":3974.29},{"sentences":[{"text":"And it shows manual salary and and yeah.","start":3973.9302,"end":3977.6301,"sentiment":"neutral","sentiment_score":0.008316519786603749},{"text":"And and,","start":3977.6902,"end":3978.4102,"sentiment":"neutral","sentiment_score":0.010908662341535091}],"sentiment":"neutral","sentiment_score":0.008834948297590017,"channel":1,"num_words":10,"start":3973.9302,"end":3978.4102},{"sentences":[{"text":"Yep.","start":3978.27,"end":3978.77,"sentiment":"neutral","sentiment_score":0.016444984823465347}],"sentiment":"neutral","sentiment_score":0.016444984823465347,"channel":0,"num_words":1,"start":3978.27,"end":3978.77},{"sentences":[{"text":"yeah, what what my take home is each week and all that.","start":3978.4102,"end":3980.81,"sentiment":"neutral","sentiment_score":0.015430561732500792}],"sentiment":"neutral","sentiment_score":0.015430561732500792,"channel":1,"num_words":12,"start":3978.4102,"end":3980.81},{"sentences":[{"text":"Yep.","start":3980.67,"end":3981.15,"sentiment":"neutral","sentiment_score":0.05096631497144699}],"sentiment":"neutral","sentiment_score":0.05096631497144699,"channel":0,"num_words":1,"start":3980.67,"end":3981.15},{"sentences":[{"text":"Yeah.","start":3980.81,"end":3981.31,"sentiment":"neutral","sentiment_score":0.1514051854610443}],"sentiment":"neutral","sentiment_score":0.1514051854610443,"channel":1,"num_words":1,"start":3980.81,"end":3981.31},{"sentences":[{"text":"Beautiful.","start":3981.15,"end":3981.3499,"sentiment":"positive","sentiment_score":0.46533203125},{"text":"That's absolutely perfect.","start":3981.3499,"end":3981.95,"sentiment":"positive","sentiment_score":0.6011732618014017},{"text":"I'll send the absolutely perfect.","start":3981.95,"end":3983.0366,"sentiment":"positive","sentiment_score":0.45692452788352966},{"text":"I'll send the email now so you can shoot those back whenever you got a second.","start":3983.0366,"end":3987.4495,"sentiment":"neutral","sentiment_score":0.24314930476248264},{"text":"We'll get cracking on the research there for you.","start":3987.4495,"end":3989.9316,"sentiment":"neutral","sentiment_score":0.2710428651836183}],"sentiment":"neutral","sentiment_score":0.32009556232129827,"channel":0,"num_words":34,"start":3981.15,"end":3989.9316},{"sentences":[{"text":"I do kind of expect it to take me about four weeks","start":3989.9316,"end":3993.2412,"sentiment":"neutral","sentiment_score":0.0032391053003569445}],"sentiment":"neutral","sentiment_score":0.0032391053003569445,"channel":0,"num_words":12,"start":3989.9316,"end":3993.2412},{"sentences":[{"text":"That's","start":3993.115,"end":3993.515,"sentiment":"neutral","sentiment_score":0.07559716701507568}],"sentiment":"neutral","sentiment_score":0.07559716701507568,"channel":1,"num_words":1,"start":3993.115,"end":3993.515},{"sentences":[{"text":"to","start":3993.2412,"end":3993.5168,"sentiment":"neutral","sentiment_score":0.11062665283679962}],"sentiment":"neutral","sentiment_score":0.11062665283679962,"channel":0,"num_words":1,"start":3993.2412,"end":3993.5168},{"sentences":[{"text":"fine.","start":3993.515,"end":3994.015,"sentiment":"neutral","sentiment_score":0.04639842361211777}],"sentiment":"neutral","sentiment_score":0.04639842361211777,"channel":1,"num_words":1,"start":3993.515,"end":3994.015},{"sentences":[{"text":"complete the research correctly.","start":3993.5168,"end":3994.62,"sentiment":"neutral","sentiment_score":0.3100610002875328},{"text":"I'd love to book you both in now so we have that time slot set.","start":3995.1,"end":3999.12,"sentiment":"positive","sentiment_score":0.6800612886746724},{"text":"So in four weeks, we are at oh, yep.","start":3999.5,"end":4002.86,"sentiment":"neutral","sentiment_score":0.24102484848764208}],"sentiment":"positive","sentiment_score":0.4860852488449642,"channel":0,"num_words":28,"start":3993.5168,"end":4002.86},{"sentences":[{"text":"Alright.","start":4002.85,"end":4003.35,"sentiment":"neutral","sentiment_score":0.19693946838378903}],"sentiment":"neutral","sentiment_score":0.19693946838378903,"channel":1,"num_words":1,"start":4002.85,"end":4003.35},{"sentences":[{"text":"August already, nearly.","start":4002.86,"end":4005.12,"sentiment":"neutral","sentiment_score":0.19584067165851593},{"text":"One, two, three, four.","start":4007.085,"end":4008.525,"sentiment":"neutral","sentiment_score":0.14978094771504402},{"text":"That brings us to the first week of September.","start":4008.525,"end":4011.025,"sentiment":"neutral","sentiment_score":0.15813091066148546},{"text":"I am fully open that week.","start":4012.125,"end":4014.525,"sentiment":"neutral","sentiment_score":0.21438265591859818},{"text":"What day would suit you both to go through the advice piece together?","start":4014.525,"end":4018.705,"sentiment":"neutral","sentiment_score":0.18292720501239484}],"sentiment":"neutral","sentiment_score":0.17926210292748043,"channel":0,"num_words":35,"start":4002.86,"end":4018.705},{"sentences":[{"text":"Any day, yeah, I'm fine.","start":4021.9348,"end":4023.2148,"sentiment":"neutral","sentiment_score":0.20889911353588103},{"text":"Free too.","start":4023.2148,"end":4023.775,"sentiment":"neutral","sentiment_score":0.21571657061576843},{"text":"So In the afternoons.","start":4023.775,"end":4024.9148,"sentiment":"neutral","sentiment_score":0.06190126854926348}],"sentiment":"neutral","sentiment_score":0.15668488937345418,"channel":1,"num_words":11,"start":4021.9348,"end":4024.9148},{"sentences":[{"text":"Yep.","start":4024.81,"end":4025.31,"sentiment":"neutral","sentiment_score":0.07505442202091217}],"sentiment":"neutral","sentiment_score":0.07505442202091217,"channel":0,"num_words":1,"start":4024.81,"end":4025.31},{"sentences":[{"text":"Any any afternoon?","start":4024.9749,"end":4026.115,"sentiment":"neutral","sentiment_score":0.04248453304171562}],"sentiment":"neutral","sentiment_score":0.04248453304171562,"channel":1,"num_words":3,"start":4024.9749,"end":4026.115},{"sentences":[{"text":"I actually work late till 7PM on a Thursday.","start":4026.97,"end":4030.27,"sentiment":"neutral","sentiment_score":0.08057797617382473},{"text":"Would you like me to book it for then?","start":4030.33,"end":4032.1902,"sentiment":"neutral","sentiment_score":0.07334424720870124}],"sentiment":"neutral","sentiment_score":0.07696111169126299,"channel":0,"num_words":18,"start":4026.97,"end":4032.1902},{"sentences":[{"text":"Yep.","start":4032.4402,"end":4032.84,"sentiment":"neutral","sentiment_score":0.15833961963653564},{"text":"Sounds good.","start":4032.84,"end":4033.4001,"sentiment":"positive","sentiment_score":0.3526713401079178},{"text":"Yep.","start":4033.4001,"end":4033.8,"sentiment":"neutral","sentiment_score":0.15863822400569916},{"text":"Sounds","start":4033.8,"end":4034.04,"sentiment":"neutral","sentiment_score":0.1953286975622177}],"sentiment":"neutral","sentiment_score":0.2435298442840576,"channel":1,"num_words":5,"start":4032.4402,"end":4034.04},{"sentences":[{"text":"Yep.","start":4033.9302,"end":4034.4302,"sentiment":"neutral","sentiment_score":0.2658119797706604}],"sentiment":"neutral","sentiment_score":0.2658119797706604,"channel":0,"num_words":1,"start":4033.9302,"end":4034.4302},{"sentences":[{"text":"good.","start":4034.04,"end":4034.54,"sentiment":"positive","sentiment_score":0.4131156802177429}],"sentiment":"positive","sentiment_score":0.4131156802177429,"channel":1,"num_words":1,"start":4034.04,"end":4034.54},{"sentences":[{"text":"Beautiful.","start":4034.6948,"end":4035.015,"sentiment":"positive","sentiment_score":0.4928807318210602},{"text":"And would you prefer four, 04:30, 05:00, 05:30?","start":4035.015,"end":4038.375,"sentiment":"neutral","sentiment_score":0.0737145459279418},{"text":"What time suits you best in the afternoon to go through it together?","start":4038.375,"end":4041.515,"sentiment":"neutral","sentiment_score":0.07100477871986535}],"sentiment":"neutral","sentiment_score":0.09116632830012929,"channel":0,"num_words":22,"start":4034.6948,"end":4041.515},{"sentences":[{"text":"Maybe five.","start":4042.04,"end":4042.785,"sentiment":"neutral","sentiment_score":0.061561403796076775},{"text":"Yeah.","start":4043.4248,"end":4043.905,"sentiment":"neutral","sentiment_score":0.2150350958108902},{"text":"Good.","start":4043.905,"end":4044.2249,"sentiment":"positive","sentiment_score":0.3783387541770935},{"text":"Five 05:00 would be great.","start":4044.2249,"end":4045.845,"sentiment":"positive","sentiment_score":0.4603943109512329}],"sentiment":"positive","sentiment_score":0.33538535692625576,"channel":1,"num_words":9,"start":4042.04,"end":4045.845},{"sentences":[{"text":"Yep.","start":4045.7349,"end":4046.2349,"sentiment":"positive","sentiment_score":0.3766449391841888},{"text":"Absolutely.","start":4046.295,"end":4046.795,"sentiment":"positive","sentiment_score":0.6696605086326599},{"text":"Fantastic.","start":4047.255,"end":4047.755,"sentiment":"positive","sentiment_score":0.7270486354827881},{"text":"So I'll book it in for 5PM there for you.","start":4047.9749,"end":4050.54,"sentiment":"positive","sentiment_score":0.5089418143033981},{"text":"That is Thursday, September 3, and I will make sure everything is up to date and completed by then.","start":4050.54,"end":4058.08,"sentiment":"positive","sentiment_score":0.4153874689026883}],"sentiment":"positive","sentiment_score":0.46109794173389673,"channel":0,"num_words":32,"start":4045.7349,"end":4058.08},{"sentences":[{"text":"The only other thing, just to sort of reconfirm for you, Lisa, is just the pre assessment that we did.","start":4059.1802,"end":4066.385,"sentiment":"neutral","sentiment_score":0.05217848271131516},{"text":"Just need to run through a couple of questions with regards to transfer terms as the cover just to make sure that we've done all of that correctly research wise.","start":4066.845,"end":4076.225,"sentiment":"neutral","sentiment_score":0.05896708046396573},{"text":"And before I do go through those questions, I have to read you a","start":4077.565,"end":4080.54,"sentiment":"neutral","sentiment_score":0.006281406286039523}],"sentiment":"neutral","sentiment_score":0.04532065243984107,"channel":0,"num_words":64,"start":4059.1802,"end":4080.54},{"sentences":[{"text":"It's gonna get turned out quickly.","start":4089.04,"end":4090.5,"sentiment":"neutral","sentiment_score":0.018171515315771103}],"sentiment":"neutral","sentiment_score":0.018171515315771103,"channel":1,"num_words":6,"start":4089.04,"end":4090.5},{"sentences":[{"text":"Sorry, guys.","start":4092.62,"end":4093.26,"sentiment":"neutral","sentiment_score":-0.18620654195547104},{"text":"I'm nearly done.","start":4093.26,"end":4094.1401,"sentiment":"neutral","sentiment_score":-0.1624878148237864},{"text":"I promise.","start":4094.1401,"end":4094.72,"sentiment":"neutral","sentiment_score":-0.0032074376940727234},{"text":"So alright.","start":4098.135,"end":4098.935,"sentiment":"neutral","sentiment_score":0.061336275190114975},{"text":"So I've got the pre assessment questions here in front of you.","start":4098.935,"end":4101.415,"sentiment":"neutral","sentiment_score":0.0645601296176513}],"sentiment":"neutral","sentiment_score":0.0014810810486475627,"channel":0,"num_words":21,"start":4092.62,"end":4101.415},{"sentences":[{"text":"I just gotta read the duty of disclosure.","start":4101.415,"end":4103.1147,"sentiment":"neutral","sentiment_score":0.011139837559312582},{"text":"So just because these questions will also factor into the application side of things.","start":4103.255,"end":4108.395,"sentiment":"neutral","sentiment_score":0.051277515079293935},{"text":"I know Maddie would have gone through them with you last time, but this is just sort of updating to make sure there's no changes to your circumstances there.","start":4109.1,"end":4115.7603,"sentiment":"neutral","sentiment_score":0.023964468132832956},{"text":"But with the","start":4116.14,"end":4116.62,"sentiment":"neutral","sentiment_score":0.036948145677646003}],"sentiment":"neutral","sentiment_score":0.029866998601290915,"channel":0,"num_words":54,"start":4101.415,"end":4116.62},{"sentences":[{"text":"Yep.","start":4116.52,"end":4117.02,"sentiment":"neutral","sentiment_score":0.036208949983119965}],"sentiment":"neutral","sentiment_score":0.036208949983119965,"channel":1,"num_words":1,"start":4116.52,"end":4117.02},{"sentences":[{"text":"duty of disclosure and reasonable care.","start":4116.62,"end":4118.8604,"sentiment":"neutral","sentiment_score":0.08059380948543549},{"text":"So it says when applying for insurance, it is important that you answer the following questions.","start":4118.8604,"end":4123.505,"sentiment":"neutral","sentiment_score":0.0595329359639436},{"text":"To the best of your knowledge, as the applicant, you have a legal duty to take reasonable care not to make a misrepresentation to the insurer before the contract of insurance is entered into.","start":4123.505,"end":4132.805,"sentiment":"neutral","sentiment_score":0.031217821647741777},{"text":"If this duty is not met, it can have a serious impact on your insurances such as your policy may be voided, or the terms of your contract may be changed, declined, or the benefit reduced.","start":4133.025,"end":4143.38,"sentiment":"neutral","sentiment_score":-0.2618294888072544},{"text":"More information about the duty to take reasonable care can be found in the product disclosure statement, which I will provide with the advice document for you.","start":4143.76,"end":4152.58,"sentiment":"neutral","sentiment_score":0.013192504575407063}],"sentiment":"neutral","sentiment_score":-0.055228304245094416,"channel":0,"num_words":119,"start":4116.62,"end":4152.58},{"sentences":[{"text":"I can also attach to the email shortly if you'd like a copy prior.","start":4153.045,"end":4156.825,"sentiment":"neutral","sentiment_score":0.01703769713640213},{"text":"Do you understand your duty of reasonable care?","start":4157.445,"end":4160.505,"sentiment":"neutral","sentiment_score":0.007846917258575559}],"sentiment":"neutral","sentiment_score":0.013695595362647013,"channel":0,"num_words":22,"start":4153.045,"end":4160.505},{"sentences":[{"text":"Yes.","start":4161.075,"end":4161.575,"sentiment":"neutral","sentiment_score":0.03882957249879837}],"sentiment":"neutral","sentiment_score":0.03882957249879837,"channel":1,"num_words":1,"start":4161.075,"end":4161.575},{"sentences":[{"text":"Yep.","start":4161.845,"end":4162.165,"sentiment":"neutral","sentiment_score":0.09134437143802644},{"text":"Beautiful.","start":4162.165,"end":4162.565,"sentiment":"neutral","sentiment_score":0.21718743443489075},{"text":"And privacy policy, when we get to the application side, do you consent to us providing your and collecting your personal information for the use of applying for insurances or transferring insurances in accordance with the insurance privacy policy?","start":4162.565,"end":4176.45,"sentiment":"neutral","sentiment_score":0.03603065964312126}],"sentiment":"neutral","sentiment_score":0.041798232486698686,"channel":0,"num_words":41,"start":4161.845,"end":4176.45},{"sentences":[{"text":"Yep.","start":4177.31,"end":4177.81,"sentiment":"neutral","sentiment_score":0.018793068826198574}],"sentiment":"neutral","sentiment_score":0.018793068826198574,"channel":1,"num_words":1,"start":4177.31,"end":4177.81},{"sentences":[{"text":"Yep.","start":4178.1904,"end":4178.5903,"sentiment":"neutral","sentiment_score":0.041401006281375885},{"text":"Beautiful.","start":4178.5903,"end":4179.0903,"sentiment":"neutral","sentiment_score":0.25308728218078613},{"text":"Excellent.","start":4179.1504,"end":4179.6304,"sentiment":"positive","sentiment_score":0.34499114751815796},{"text":"Now the questions for this are nice and simple ones.","start":4179.6304,"end":4183.0254,"sentiment":"neutral","sentiment_score":0.042099914699792865},{"text":"It says, are you currently off work or unable to perform your normal full time duties of your occupation on a full time basis?","start":4183.0254,"end":4189.825,"sentiment":"neutral","sentiment_score":-0.04346838057972491}],"sentiment":"neutral","sentiment_score":0.0004658770017527245,"channel":0,"num_words":37,"start":4178.1904,"end":4189.825},{"sentences":[{"text":"So no","start":4189.825,"end":4191.105,"sentiment":"neutral","sentiment_score":-0.06841064058244228}],"sentiment":"neutral","sentiment_score":-0.06841064058244228,"channel":0,"num_words":2,"start":4189.825,"end":4191.105},{"sentences":[{"text":"No.","start":4191.115,"end":4191.615,"sentiment":"neutral","sentiment_score":-0.10324268043041228}],"sentiment":"neutral","sentiment_score":-0.10324268043041228,"channel":1,"num_words":1,"start":4191.115,"end":4191.615},{"sentences":[{"text":"your normal duties.","start":4191.185,"end":4192.305,"sentiment":"neutral","sentiment_score":-0.07237773388624191},{"text":"No.","start":4192.305,"end":4192.5454,"sentiment":"neutral","sentiment_score":-0.021779289469122887},{"text":"Beautiful.","start":4192.5454,"end":4193.0454,"sentiment":"neutral","sentiment_score":0.07514926791191101},{"text":"Excellent.","start":4194.3853,"end":4194.8853,"sentiment":"neutral","sentiment_score":0.08442150056362152},{"text":"The next one here is, have you in the last twelve months been absent from work or unable to perform your duties of your usual occupation or been unable to perform any domestic duties, anything other than being off work for, say, six days with a cold or a","start":4195.33,"end":4209.975,"sentiment":"neutral","sentiment_score":-0.0932038813373264}],"sentiment":"neutral","sentiment_score":-0.08447876196693291,"channel":0,"num_words":55,"start":4191.185,"end":4209.975},{"sentences":[{"text":"No.","start":4210.985,"end":4211.485,"sentiment":"neutral","sentiment_score":-0.10314719378948212}],"sentiment":"neutral","sentiment_score":-0.10314719378948212,"channel":1,"num_words":1,"start":4210.985,"end":4211.485},{"sentences":[{"text":"flu?","start":4211.575,"end":4211.895,"sentiment":"neutral","sentiment_score":-0.07550013065338135},{"text":"No.","start":4211.895,"end":4212.295,"sentiment":"neutral","sentiment_score":-0.08040760457515717},{"text":"Fantastic.","start":4212.295,"end":4212.795,"sentiment":"neutral","sentiment_score":0.014500580728054048},{"text":"The next one here says, have you been diagnosed with or do you suffer from an illness that may cause inability to work, or have you been diagnosed with a terminal illness?","start":4213.975,"end":4223.515,"sentiment":"neutral","sentiment_score":-0.06916409893892705}],"sentiment":"neutral","sentiment_score":-0.0672759520156043,"channel":0,"num_words":35,"start":4211.575,"end":4223.515},{"sentences":[{"text":"No.","start":4224.06,"end":4224.56,"sentiment":"neutral","sentiment_score":-0.103079155087471}],"sentiment":"neutral","sentiment_score":-0.103079155087471,"channel":1,"num_words":1,"start":4224.06,"end":4224.56},{"sentences":[{"text":"No.","start":4225.095,"end":4225.595,"sentiment":"neutral","sentiment_score":-0.07585412263870239},{"text":"Fantastic.","start":4225.73,"end":4226.23,"sentiment":"neutral","sentiment_score":-0.023661237210035324},{"text":"Have you ever had an insurance application for death, death and TBD, terminal illness, or income protection, or accident and sickness ever refused?","start":4226.77,"end":4234.71,"sentiment":"neutral","sentiment_score":-0.06409310824845148}],"sentiment":"neutral","sentiment_score":-0.06294627398252488,"channel":0,"num_words":25,"start":4225.095,"end":4234.71},{"sentences":[{"text":"Nope.","start":4235.34,"end":4235.84,"sentiment":"neutral","sentiment_score":-0.12669092416763306}],"sentiment":"neutral","sentiment_score":-0.12669092416763306,"channel":1,"num_words":1,"start":4235.34,"end":4235.84},{"sentences":[{"text":"No.","start":4236.4497,"end":4236.69,"sentiment":"neutral","sentiment_score":-0.06052195280790329},{"text":"Fantastic.","start":4236.69,"end":4237.19,"sentiment":"neutral","sentiment_score":-0.008739791810512543},{"text":"Have you ever been paid, or are you eligible to be paid, or are you currently in the process of submitting a claim for any illness or injury through the workers' compensation fund, government benefits, or any insurance policy providing terminal illness, TBD, income protection, or accident or sickness cover?","start":4237.89,"end":4255.36,"sentiment":"neutral","sentiment_score":-0.04594138499349356}],"sentiment":"neutral","sentiment_score":-0.045506365274867185,"channel":0,"num_words":52,"start":4236.4497,"end":4255.36},{"sentences":[{"text":"No.","start":4255.9897,"end":4256.4897,"sentiment":"neutral","sentiment_score":-0.11322787404060364}],"sentiment":"neutral","sentiment_score":-0.11322787404060364,"channel":1,"num_words":1,"start":4255.9897,"end":4256.4897},{"sentences":[{"text":"No.","start":4256.86,"end":4257.18,"sentiment":"neutral","sentiment_score":-0.09556584060192108},{"text":"It's beautiful.","start":4257.18,"end":4257.84,"sentiment":"neutral","sentiment_score":-0.004608575254678726},{"text":"And have you ever had an insurance application for death death and total permanent disability, income protection, terminal illness cover modified or offered on nonstandard terms.","start":4258.06,"end":4270.5347,"sentiment":"neutral","sentiment_score":-0.08167759608477354}],"sentiment":"neutral","sentiment_score":-0.07684139618328933,"channel":0,"num_words":29,"start":4256.86,"end":4270.5347},{"sentences":[{"text":"No.","start":4271.0146,"end":4271.5146,"sentiment":"neutral","sentiment_score":-0.09801878035068512}],"sentiment":"neutral","sentiment_score":-0.09801878035068512,"channel":1,"num_words":1,"start":4271.0146,"end":4271.5146},{"sentences":[{"text":"No.","start":4272.0347,"end":4272.355,"sentiment":"neutral","sentiment_score":-0.05594815686345101},{"text":"Beautiful.","start":4272.355,"end":4272.755,"sentiment":"neutral","sentiment_score":0.05127107724547386},{"text":"Thank you so much for that.","start":4272.755,"end":4273.715,"sentiment":"neutral","sentiment_score":0.16522585352261862},{"text":"So sorry.","start":4273.715,"end":4274.195,"sentiment":"neutral","sentiment_score":-0.1355225071310997},{"text":"Those are very wordy.","start":4274.195,"end":4275.235,"sentiment":"neutral","sentiment_score":-0.2922682724893093}],"sentiment":"neutral","sentiment_score":-0.03238857590726444,"channel":0,"num_words":14,"start":4272.0347,"end":4275.235},{"sentences":[{"text":"They're small questions,","start":4275.235,"end":4276.195,"sentiment":"neutral","sentiment_score":-0.11902214835087459}],"sentiment":"neutral","sentiment_score":-0.11902214835087459,"channel":0,"num_words":3,"start":4275.235,"end":4276.195},{"sentences":[{"text":"That's","start":4276.0547,"end":4276.5347,"sentiment":"neutral","sentiment_score":-0.09170795977115632}],"sentiment":"neutral","sentiment_score":-0.09170795977115632,"channel":1,"num_words":1,"start":4276.0547,"end":4276.5347},{"sentences":[{"text":"but they're","start":4276.195,"end":4276.675,"sentiment":"neutral","sentiment_score":-0.07536390423774719}],"sentiment":"neutral","sentiment_score":-0.07536390423774719,"channel":0,"num_words":2,"start":4276.195,"end":4276.675},{"sentences":[{"text":"okay.","start":4276.5347,"end":4277.0347,"sentiment":"neutral","sentiment_score":-0.043720223009586334}],"sentiment":"neutral","sentiment_score":-0.043720223009586334,"channel":1,"num_words":1,"start":4276.5347,"end":4277.0347},{"sentences":[{"text":"very wordy.","start":4276.675,"end":4277.415,"sentiment":"positive","sentiment_score":0.5474022626876831}],"sentiment":"positive","sentiment_score":0.5474022626876831,"channel":0,"num_words":2,"start":4276.675,"end":4277.415},{"sentences":[{"text":"My answers are the same as when I did the pre assessment, so","start":4277.815,"end":4280.635,"sentiment":"positive","sentiment_score":0.5494456956019769}],"sentiment":"positive","sentiment_score":0.5494456956019769,"channel":1,"num_words":13,"start":4277.815,"end":4280.635},{"sentences":[{"text":"I love it.","start":4280.755,"end":4281.395,"sentiment":"positive","sentiment_score":0.842863937218984},{"text":"Thank you so much for that.","start":4281.395,"end":4282.7,"sentiment":"positive","sentiment_score":0.8690044283866882},{"text":"That's","start":4282.7,"end":4282.8604,"sentiment":"positive","sentiment_score":0.49801933765411377}],"sentiment":"positive","sentiment_score":0.8240637719631195,"channel":0,"num_words":10,"start":4280.755,"end":4282.8604},{"sentences":[{"text":"nothing","start":4282.8,"end":4283.3,"sentiment":"neutral","sentiment_score":0.2772606909275055}],"sentiment":"neutral","sentiment_score":0.2772606909275055,"channel":1,"num_words":1,"start":4282.8,"end":4283.3},{"sentences":[{"text":"the only part","start":4282.8604,"end":4283.46,"sentiment":"neutral","sentiment_score":0.2538580546776454}],"sentiment":"neutral","sentiment_score":0.2538580546776454,"channel":0,"num_words":3,"start":4282.8604,"end":4283.46},{"sentences":[{"text":"changed.","start":4283.44,"end":4283.94,"sentiment":"positive","sentiment_score":0.34864431619644165}],"sentiment":"positive","sentiment_score":0.34864431619644165,"channel":1,"num_words":1,"start":4283.44,"end":4283.94},{"sentences":[{"text":"of the pre assess beautiful.","start":4283.46,"end":4285.04,"sentiment":"positive","sentiment_score":0.4856864333152771},{"text":"That's the only part of the pre assessment we need to essentially look at for you.","start":4285.18,"end":4289.52,"sentiment":"positive","sentiment_score":0.41879670321941376}],"sentiment":"positive","sentiment_score":0.43472282943271456,"channel":0,"num_words":21,"start":4283.46,"end":4289.52},{"sentences":[{"text":"Cool.","start":4289.92,"end":4290.42,"sentiment":"positive","sentiment_score":0.4256572127342224}],"sentiment":"positive","sentiment_score":0.4256572127342224,"channel":1,"num_words":1,"start":4289.92,"end":4290.42},{"sentences":[{"text":"Now I'm just confirming.","start":4290.94,"end":4292.16,"sentiment":"neutral","sentiment_score":0.18526393547654152},{"text":"So you currently work a thirty eight hour week.","start":4292.3003,"end":4294.46,"sentiment":"neutral","sentiment_score":0.09000027428070705},{"text":"If we drop that to half, you'd be working about nineteen hours per week.","start":4294.46,"end":4298.715,"sentiment":"neutral","sentiment_score":0.14964337700179645},{"text":"Beautiful.","start":4300.375,"end":4300.875,"sentiment":"positive","sentiment_score":0.6953444480895996},{"text":"That's the only other thing I'll double check with the insurer and the terms is making sure that that many hours is fine.","start":4301.015,"end":4306.935,"sentiment":"neutral","sentiment_score":0.21240670071995776}],"sentiment":"neutral","sentiment_score":0.18091694221777074,"channel":0,"num_words":51,"start":4290.94,"end":4306.935},{"sentences":[{"text":"It shouldn't be a problem because it's only life and TPD that we're transferring.","start":4306.935,"end":4309.7803,"sentiment":"neutral","sentiment_score":0.11236811482480594},{"text":"It doesn't have income protection effects, so that's okay.","start":4309.7803,"end":4312.52,"sentiment":"neutral","sentiment_score":0.060581137943598956},{"text":"That is honestly everything I need at the moment.","start":4313.22,"end":4315.3003,"sentiment":"neutral","sentiment_score":0.3287985457314385},{"text":"If I do have any additional questions, I will make sure I contact you.","start":4315.3003,"end":4318.58,"sentiment":"neutral","sentiment_score":0.09894867773566927},{"text":"But thank you so much for your time.","start":4318.58,"end":4320.2603,"sentiment":"positive","sentiment_score":0.5776736624538898}],"sentiment":"neutral","sentiment_score":0.20526373238061313,"channel":0,"num_words":54,"start":4306.935,"end":4320.2603},{"sentences":[{"text":"I'm sorry.","start":4320.2603,"end":4320.66,"sentiment":"neutral","sentiment_score":-0.07087358832359314},{"text":"It's been a long call.","start":4320.66,"end":4321.8804,"sentiment":"neutral","sentiment_score":-0.13320984244346618},{"text":"Just want to make sure we touch on everything for you guys, and I'll get this advice document ready.","start":4322.1753,"end":4326.995,"sentiment":"neutral","sentiment_score":0.12997465659128993},{"text":"I'll send you the email shortly, and Maddie will follow-up there with the the ID checks for you both.","start":4327.455,"end":4333.395,"sentiment":"neutral","sentiment_score":0.14060971434963376},{"text":"Okay?","start":4333.455,"end":4333.955,"sentiment":"neutral","sentiment_score":0.11331657320261002}],"sentiment":"neutral","sentiment_score":0.0966657224394705,"channel":0,"num_words":46,"start":4320.2603,"end":4333.955},{"sentences":[{"text":"Awesome.","start":4334.165,"end":4334.665,"sentiment":"positive","sentiment_score":0.7101987600326538},{"text":"Cool.","start":4334.8047,"end":4335.3047,"sentiment":"positive","sentiment_score":0.6917679905891418}],"sentiment":"positive","sentiment_score":0.7009833753108978,"channel":1,"num_words":2,"start":4334.165,"end":4335.3047},{"sentences":[{"text":"Easy.","start":4335.535,"end":4336.015,"sentiment":"positive","sentiment_score":0.6892274618148804},{"text":"Thank you so much.","start":4336.015,"end":4336.92,"sentiment":"positive","sentiment_score":0.8122659176588058},{"text":"I'll let you go to enjoy your dinner.","start":4336.92,"end":4338.86,"sentiment":"positive","sentiment_score":0.661476343870163},{"text":"Sorry","start":4339.16,"end":4339.56,"sentiment":"neutral","sentiment_score":0.019214078783988953}],"sentiment":"positive","sentiment_score":0.6606654258710998,"channel":0,"num_words":14,"start":4335.535,"end":4339.56},{"sentences":[{"text":"Alright.","start":4339.44,"end":4339.84,"sentiment":"neutral","sentiment_score":0.07725834101438522}],"sentiment":"neutral","sentiment_score":0.07725834101438522,"channel":1,"num_words":1,"start":4339.44,"end":4339.84},{"sentences":[{"text":"about the","start":4339.56,"end":4339.96,"sentiment":"neutral","sentiment_score":0.001914542168378829}],"sentiment":"neutral","sentiment_score":0.001914542168378829,"channel":0,"num_words":2,"start":4339.56,"end":4339.96},{"sentences":[{"text":"I","start":4339.84,"end":4339.92,"sentiment":"neutral","sentiment_score":0.005895338952541351}],"sentiment":"neutral","sentiment_score":0.005895338952541351,"channel":1,"num_words":1,"start":4339.84,"end":4339.92},{"sentences":[{"text":"time.","start":4339.96,"end":4340.46,"sentiment":"neutral","sentiment_score":0.1019253358244896},{"text":"Thank you so much for your time.","start":4342.76,"end":4344.12,"sentiment":"positive","sentiment_score":0.7214299610682896},{"text":"I really appreciate it.","start":4344.12,"end":4345.08,"sentiment":"positive","sentiment_score":0.7858837097883224},{"text":"Have a good night.","start":4345.08,"end":4345.96,"sentiment":"positive","sentiment_score":0.6440159231424332},{"text":"Thank you.","start":4345.96,"end":4346.6997,"sentiment":"positive","sentiment_score":0.5864934921264648}],"sentiment":"positive","sentiment_score":0.6691400321821371,"channel":0,"num_words":18,"start":4339.96,"end":4346.6997},{"sentences":[{"text":"Yeah.","start":4346.64,"end":4347.12,"sentiment":"neutral","sentiment_score":0.24089151620864868},{"text":"Yeah.","start":4347.12,"end":4347.6,"sentiment":"neutral","sentiment_score":0.21970203518867493},{"text":"Bye.","start":4347.6,"end":4348.1,"sentiment":"neutral","sentiment_score":0.20640528202056885}],"sentiment":"neutral","sentiment_score":0.22233294447263083,"channel":1,"num_words":3,"start":4346.64,"end":4348.1},{"sentences":[{"text":"See you later.","start":4348.12,"end":4348.84,"sentiment":"neutral","sentiment_score":0.2552132805188497},{"text":"Bye.","start":4348.84,"end":4349.34,"sentiment":"neutral","sentiment_score":-0.07755238562822342}],"sentiment":"neutral","sentiment_score":0.1720218639820814,"channel":0,"num_words":4,"start":4348.12,"end":4349.34}]},"summary":{"result":"success","short":"During a conversation between representatives from Okey Financial and a customer named Scott, they discuss updating retirement details, including gross and hourly rates, expenses, income, and expenses. They emphasize the importance of maintaining a strong ID to avoid fraud and reducing overpaying premiums and life insurance coverage. The success of Yep.'s life insurance policy and risk profiles is also discussed. The speakers emphasize the benefits of salary sacrifice and the need for factoring in income protection and adjusting risk levels for the customer's insurance policy. They also discuss the importance of maintaining a strong ID to avoid fraud and the benefits of reducing overpaying premiums and life insurance coverage. The implementation of fee structures and updating personal information are also discussed, along with the need for a marriage certificate and a copy of the speaker's marriage certificate. The customer and agent discuss the pre assessment, privacy policy, employment and working hours, and receiving advice documents and follow-up. The speaker promises to send an email with advice documents and follow up"},"intents":{"segments":[{"text":"So sorry. There was, like, there was nothing there. I do apologize Yep. about that. Yeah.","start_word":36,"end_word":51,"intents":[{"intent":"Apologize","confidence_score":0.0436331}]},{"text":"I did just leave a message on the phone. It it sort of didn't really ring. It kind of ring rang up. once and then went straight through to voice mail.","start_word":78,"end_word":108,"intents":[{"intent":"Leave message","confidence_score":0.0042098365}]},{"text":"yeah, she she sent me a photo, and my husband rang me going, are you okay? Like, can I talk to you? And I was like, oh my god. What's happening?","start_word":251,"end_word":281,"intents":[{"intent":"Provide photo","confidence_score":0.000036702913}]},{"text":"The last thing I wanted was to reschedule your appointment. So No worries.","start_word":412,"end_word":424,"intents":[{"intent":"Reschedule appointment","confidence_score":0.050078057}]},{"text":"And, Lisa, we just wanted to kinda update and do a new advice case for the both of you. Is that correct incorporating your full circumstances looking forward at the retirement aspect and just incorporating everything into that? Does that sound right? Yes.","start_word":555,"end_word":597,"intents":[{"intent":"Update advice case","confidence_score":0.21938057}]},{"text":"We wanna access the Super at 60. Yeah.","start_word":703,"end_word":710,"intents":[{"intent":"Access super at 60","confidence_score":0.6904425}]},{"text":"We'll Yep. still still Yep. keep working till then. Yeah.","start_word":713,"end_word":722,"intents":[{"intent":"Work on super balances","confidence_score":0.2037674}]},{"text":"keep working till then. Yeah.","start_word":718,"end_word":722,"intents":[{"intent":"Work until then","confidence_score":0.052258685}]},{"text":"And goal was to be able to your income. We're looking at sorry. I'm just getting my screen to work for me. There we go. We were looking at a joint monthly income of $6,000 from super, so 3,000 from each if that works out that way or proportionately based on super balances. Does that sound correct? Yeah.","start_word":728,"end_word":785,"intents":[{"intent":"Discuss financial goals","confidence_score":0.0005458954}]},{"text":"I'm just getting my screen to work for me. There we go.","start_word":741,"end_word":752,"intents":[{"intent":"Obtain screen","confidence_score":0.036868174}]},{"text":"We were looking at a joint monthly income of $6,000 from super, so 3,000 from each if that works out that way or proportionately based on super balances. Does that sound correct? Yeah.","start_word":753,"end_word":785,"intents":[{"intent":"Understand monthly income","confidence_score":0.0114436}]},{"text":"There are, like, research materials out there. So one of the research materials is ASSA, and they essentially take all the data collected by the all the industry super funds and correlate it together. And they're actually averaging that most couples need to draw no less than about 72 to $76,000 on a yearly basis for a minimum to comfortable retirement.","start_word":841,"end_word":901,"intents":[{"intent":"Discuss sharing research materials","confidence_score":0.00063709053}]},{"text":"That's just basic standard living expenses. Comfortable retirement to them is covering your mortgage if you still have a mortgage, going out to have lunch once or twice a week, going to the movies a few times, having haircuts and things like that. So in all honesty, that's not very much when you consider the cost of living, fuel, Yeah.","start_word":910,"end_word":969,"intents":[{"intent":"Discuss and correlate retirement expenses","confidence_score":0.000027545735}]},{"text":"So in all honesty, that's not very much when you consider the cost of living, fuel, Yeah.","start_word":953,"end_word":969,"intents":[{"intent":"Consider cost of living","confidence_score":0.006220248},{"intent":"Discuss costs of living","confidence_score":0.04539424}]},{"text":"food, Everything's going up. Okay. electricity.","start_word":970,"end_word":975,"intents":[{"intent":"Discuss food and energy consumption","confidence_score":0.00004419801}]},{"text":"it means, you know, putting in extra contributions to supplement, we wanna make sure that you're still able to cover your expenditure, Probably the fine.","start_word":1366,"end_word":1390,"intents":[{"intent":"Assist with payments","confidence_score":0.00001243908}]},{"text":"And what's Do your you want hourly my hourly rate there, rate? Lisa? Yes, please.","start_word":1844,"end_word":1858,"intents":[{"intent":"Confirm hourly rate","confidence_score":0.45290703}]},{"text":"Just to confirm. I would That's like to just double yeah. check and ask those questions just to make sure. Approximately that we'll be working Yep. on because I'd have to find someone to job share. Yep. Yeah.","start_word":1917,"end_word":1954,"intents":[{"intent":"Confirm employment","confidence_score":0.0012050053}]},{"text":"just to reconfirm the income, I said you said it was changed 1,400 per week or fortnight. Is that right? Yeah.","start_word":1989,"end_word":2009,"intents":[{"intent":"Reconfirm income and monthly wage","confidence_score":5.050334e-7},{"intent":"Confirm income/divide","confidence_score":0.0000022703773}]},{"text":"Are you due to get a payslip fairly soon? Or I sent some home, didn't I? You did.","start_word":2078,"end_word":2095,"intents":[{"intent":"Inquire about payment status","confidence_score":0.00006532827}]},{"text":"sort of trying to decide what the better approach is there. Yep.","start_word":2540,"end_word":2551,"intents":[{"intent":"Determine loan approach","confidence_score":0.0005915908}]},{"text":"The other side of that is responsible lending, and I can safely tell you that the AML has changed. So the AML is anti money laundering counterterrorism, and that's essentially looking at you as an identity because there has been so much in Canada in terrorism financing, everything happening with the terrorist side of things over the last couple of years.","start_word":2796,"end_word":2856,"intents":[{"intent":"Inform about aill changes","confidence_score":0.0014446805}]},{"text":"And because it's a a very a fixed sorry, a variable rate, and it's a home loan rate, you're technically paying a lower interest than what you would be if you were to get a personal loan. So this that Yeah.","start_word":3055,"end_word":3095,"intents":[{"intent":"Calculate loan rates","confidence_score":0.004140955}]},{"text":"just update the assets that we do have here at the moment. So now your Yeah.","start_word":3507,"end_word":3522,"intents":[{"intent":"Update property values and loan information","confidence_score":0.00034231163}]},{"text":"Would you value it the same, or do you think you'd change that valuation? That's 85?","start_word":3767,"end_word":3782,"intents":[{"intent":"Change valuation","confidence_score":0.009731697},{"intent":"Offer vehicle valuation","confidence_score":0.001007289},{"intent":"Value item","confidence_score":0.037025746}]},{"text":"Got my phone.","start_word":3844,"end_word":3846,"intents":[{"intent":"Use phone number","confidence_score":0.00025185634}]},{"text":"And then we have the two jet skis, which will be sold down the track here. Yep. Yeah.","start_word":3882,"end_word":3899,"intents":[{"intent":"Sell jet skis","confidence_score":0.35201582}]},{"text":"Update that for you. So I'm just updating both the fact lines individually because I have one for each of you, so just making sure it's all good across the board. Fantastic.","start_word":3991,"end_word":4022,"intents":[{"intent":"Update fact lines","confidence_score":0.8956499}]},{"text":"I've got contents noted down here. So valuation of contents is about 282,500. Would you alter or change that valuation I think I'll just leave it as that, but I do have another Yep. vehicle that you've gotta add. Beautiful.","start_word":4023,"end_word":4062,"intents":[{"intent":"Confirm contents","confidence_score":0.008736368}]},{"text":"Now the other thing to sort of look at so we've updated all your assets and liabilities there. Is there Do anything else asset or liability wise that we should probably update or note down as anything different to what we had or anything new?","start_word":4504,"end_word":4548,"intents":[{"intent":"Update assets and liabilities","confidence_score":0.21708189}]},{"text":"And with those shares, is the intention just to keep holding them until Yep. you need Just to sell keep.","start_word":5088,"end_word":5107,"intents":[{"intent":"Hold shares","confidence_score":0.17673042},{"intent":"Sell shares","confidence_score":0.34951523}]},{"text":"When we look at sort of those sorts of shares and things, realistically, selling them when you're younger, when you're still working, obviously, there's a CGT effect there for you. So if you can hold Yep. on to them and don't have to sell them until you get to retirement, then we can look at a way to sell them in retirement.","start_word":5149,"end_word":5210,"intents":[{"intent":"Discuss selling options","confidence_score":0.015122941}]},{"text":"Well, thank you for updating those. Now just sort of re going back to the estate planning side of things, last time we sort of touched base with both of you, both confirmed you had an upstate will and power of attorneys. Do those documents, have they been reviewed in the past? Are they still do do you know are they still reflective of your current circumstances?","start_word":5456,"end_word":5522,"intents":[{"intent":"Update estate plans","confidence_score":0.007786618}]},{"text":"Now just sort of re going back to the estate planning side of things, last time we sort of touched base with both of you, both confirmed you had an upstate will and power of attorneys. Do those documents, have they been reviewed in the past? Are they still do do you know are they still reflective of your current circumstances?","start_word":5462,"end_word":5522,"intents":[{"intent":"Assist with estate planning and children","confidence_score":0.0007515033}]},{"text":"And now your daughter, she is is she older than 18 or under 18? How old is she? She's 28. 28. Beautiful. Working nontax nonfinancial dependent. Do you guys still help her in any way?","start_word":5613,"end_word":5647,"intents":[{"intent":"Assist child with child's needs","confidence_score":0.000069044436}]},{"text":"Essentially, with your super so, Scott, you're in Hub 24 at the moment. And one of the things, when we sort of did your advice, Lisa, we did recommend moving into Hub 24.","start_word":6102,"end_word":6134,"intents":[{"intent":"Recommend moving to hub 24 and lower admin fees","confidence_score":0.00006196441}]},{"text":"There's another thing I do like to do when I'm talking to couples together as well, and I sort of initially plan to come back and talk to you about it as well.","start_word":6337,"end_word":6369,"intents":[{"intent":"Discuss potential issues in couples' homes","confidence_score":1.8646558e-9}]},{"text":"Would you like us to apply that to this to our file for each of you as well? Yes, please.","start_word":6506,"end_word":6525,"intents":[{"intent":"Apply aill requirements to files","confidence_score":0.000020172927}]},{"text":"I'm still happy to keep it. Yes. Still Yeah.","start_word":7219,"end_word":7227,"intents":[{"intent":"Keep policy","confidence_score":0.13046905}]},{"text":"And we'll still look to retain the income protection policy. That was actually a really fantastic policy. I really enjoyed researching that one. That policy, even when you drop your hours, there should be no change. That policy, that will still stay in place as it is.","start_word":7242,"end_word":7288,"intents":[{"intent":"Research and retain policy","confidence_score":0.0015835703}]},{"text":"The other thing we did talk about initially was trauma. So trauma, if you decide to take on trauma, isn't more of an out of pocket expense. Unlike life, PPD, income protection, you can't hold trauma inside super. Trauma tends to pay out a lump sum tax free benefit in the event that you'll stay diagnosed with, say, Parkinson's, MS, or neurological conditions.","start_word":7350,"end_word":7412,"intents":[{"intent":"Explain trauma","confidence_score":0.00047779133},{"intent":"Address trauma","confidence_score":0.00016213334}]},{"text":"Income wise, your income protection was based on, obviously, your last Yep. Oh, yeah. income. You've dropped your hours pretty significantly there. Did you want me to review the level of income protection and maybe look to reduce that back if it's if if you're a bit over insured at the moment? Yes. Yep.","start_word":7598,"end_word":7651,"intents":[{"intent":"Review income protection and reduce premiums","confidence_score":0.038796585}]},{"text":"So let's have a look at your super balance and see where that's up to. So given that your mortgage is basically fully off offset, even if you do, say, take a bit of money out, you said you'd probably take about 100,000 out of that for the the purchase of the caravan or the the motor home. Yep.","start_word":7899,"end_word":7957,"intents":[{"intent":"Calculate super balance","confidence_score":0.13762185}]},{"text":"So if one of you would have passed away, that's how your super benefit can be paid. You get options on how you wanna do it, and we will help provide advice on how, obviously, to help keep it invested your income, or you can just take it as a lump sum. It's completely up to you. But Yep.","start_word":8626,"end_word":8684,"intents":[{"intent":"Evaluate super benefits","confidence_score":0.024101904}]},{"text":"You get options on how you wanna do it, and we will help provide advice on how, obviously, to help keep it invested your income, or you can just take it as a lump sum.","start_word":8642,"end_word":8676,"intents":[{"intent":"Help and advice on how to keep super","confidence_score":4.6347114e-11}]},{"text":"do to assess it is I can look at halving it. Because at the moment, because your income protection is together, you get the multi policy discount. So I'll look at Yeah. halving Right. the policy to $2.50, but then Yeah. I'll also look at canceling it. If it makes your income protection more Yep. expensive because it can, I'll keep the there. Yep.","start_word":8866,"end_word":8929,"intents":[{"intent":"Assess costs and justify cancellations","confidence_score":0.00033361145}]},{"text":"I'll assess both options and let you know how we how it looks in the advice document. What I'll do in the advice document, I'll put down what I'm recommending we do, how and why the risks, disadvantages, as advantages as well. And then in the appendix, I can put the other alternative for you so you can see the difference. Yep.","start_word":8988,"end_word":9049,"intents":[{"intent":"Evaluate options","confidence_score":0.1262354}]},{"text":"What I'll do in the advice document, I'll put down what I'm recommending we do, how and why the risks, disadvantages, as advantages as well. And then in the appendix, I can put the other alternative for you so you can see the difference. Yep.","start_word":9005,"end_word":9049,"intents":[{"intent":"Put down recommendations","confidence_score":0.10890193}]},{"text":"you have within Brighter Super because you've also got your q super defined benefits still, and that does pay out a lump sum. Or it pays that either a lump sum or an income stream in the event of your passing. And that can Yeah.","start_word":9076,"end_word":9120,"intents":[{"intent":"Emphasize benefits","confidence_score":0.004949345},{"intent":"Explain benefits","confidence_score":0.000015304295}]},{"text":"Having a look the last advice piece we had just with the balances, and they definitely could have changed since then. So I will get some updated statements if that's okay just with the amounts as well as the insurance benefit amounts. But the Yep.","start_word":9161,"end_word":9205,"intents":[{"intent":"Update statements","confidence_score":0.21247996}]},{"text":"as things change as you get older and we're able to look at moving it, we'll assess whether keeping it there or moving it and combining it works better for you and look at, you know, how that affects your super. But for the moment, keeping that exactly where it is, that is a beautiful super fund.","start_word":9398,"end_word":9454,"intents":[{"intent":"Assess super fund value","confidence_score":0.015780827}]},{"text":"While that is loading, I'll just sort of go through your risk profiles as well. So I don't wanna go through the 14 questions there with you, Lisa, and make you answer all Yeah. those again. But, essentially, just wanted to kinda reclarify that they are comfortable for you and give you the information on how they work, what the risk profile all asset allocations are, and talk about the appropriateness of them for you both.","start_word":9738,"end_word":9813,"intents":[{"intent":"Clarify risk profiles","confidence_score":0.20282595}]},{"text":"But, essentially, just wanted to kinda reclarify that they are comfortable for you and give you the information on how they work, what the risk profile all asset allocations are, and talk about the appropriateness of them for you both.","start_word":9774,"end_word":9813,"intents":[{"intent":"Clarify asset allocations","confidence_score":0.10085994},{"intent":"Discuss appropriateness of investments","confidence_score":0.29714084}]},{"text":"The growth portfolio generally expects the likelihood of a negative return, say, one in every five years. The expected returns that you're sort of wanting to achieve on a yearly basis, compound and forward, is between seven to 9%. So anything under that 7% for the year, the portfolio has underperformed.","start_word":9977,"end_word":10027,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.006565141}]},{"text":"A lot of the portfolios do get more than 9%. Overperformance there. A lot of the portfolios do get more than 9% or have averaged more than 9%, and we wanna aim for the best possible return. But we sort of look at the seven to 9% as an average of what you should be able to achieve in that risk profile given the risk you are taking and the type of asset allocation that you have. Does that make sense?","start_word":10103,"end_word":10183,"intents":[{"intent":"Improve portfolio performance","confidence_score":0.020023631}]},{"text":"Your portfolio has made a return of 7.50% after fees. That's cool.","start_word":10484,"end_word":10495,"intents":[{"intent":"Clarify portfolio benefits","confidence_score":0.0011491986}]},{"text":"salary sacrifice works out better because you're putting more more amounts in on a regular In more basis.","start_word":10849,"end_word":10866,"intents":[{"intent":"Evaluate salary sacrifice","confidence_score":0.08173135}]},{"text":"With the insurance side of things, Scott, I'll look at yours, what you have now, look at your income protection, factor into your income, and work out whether we need to reduce the rate so that you have the maximum benefit, that you're not over insured and not overpaying for the income protection side of things.","start_word":11205,"end_word":11260,"intents":[{"intent":"Plan and reduce rate","confidence_score":0.000025212225}]},{"text":"With the insurance side of things, Scott, I'll look at yours, what you have now, look at your income protection, factor into your income, and work out whether we need to reduce the rate so that you have the maximum benefit, that you're not over insured and not overpaying for the income protection side of things. Yep.","start_word":11205,"end_word":11261,"intents":[{"intent":"Assist with insurance","confidence_score":0.005649533},{"intent":"Maintain and support income protection","confidence_score":0.0011577728},{"intent":"Maintain income protection","confidence_score":0.014159478}]},{"text":"But, realistically, if anything was to happen, goal wise insurances, you're both just wanting to make sure any debts that you have that's factoring in the 100,000 taken off the loan for the purchase of the motor home as well as your current vehicle loans is covered, and then funds are provided to your to your spouse as a benefit. Is that right? Am I on the track? Did you wanna add anything to that goal at all? No.","start_word":11308,"end_word":11386,"intents":[{"intent":"Inquire about goals and objectives","confidence_score":0.000053493062},{"intent":"Determine goals and retain income","confidence_score":0.0026203585}]},{"text":"We're not looking at trauma. And, Lisa, for your insurance, as you're happy with the amount you have in Brighter Super, just looking at trying to transfer that over where possible, and then also just making sure everything's projected forward.","start_word":11394,"end_word":11433,"intents":[{"intent":"Transfer funds","confidence_score":0.014287484}]},{"text":"We're happy to stay in a growth portfolio environment for the time being, looking at the best way to move things forward, salary sacrifice for both of you there, and then beneficiaries, making sure that everything is directed to each other in the event of passing prematurely. Is that correct? Yep.","start_word":11487,"end_word":11537,"intents":[{"intent":"Ensure safety and stability in portfolio","confidence_score":0.000046211022},{"intent":"Provide assistance in the event of passing","confidence_score":0.00001618954}]},{"text":"part of the implementation process, we'll just get a copy of your marriage certificate. We'll do the ID side of things, and we'll get the forms sorted and over to them so we can help you change the name prior to, transferring any funds over to hub twenty four, but we can help you with that process.","start_word":11617,"end_word":11673,"intents":[{"intent":"Update and update marriage certificate","confidence_score":0.0646036},{"intent":"Sign up for marriage certificate","confidence_score":0.17487961}]},{"text":"Just with the fee structure now, it is exactly implementation Yep. fee for yourself, Lisa, was $4.09 $5.00. That is deducted out of your super at the initial role over there.","start_word":11730,"end_word":11760,"intents":[{"intent":"Review fee structure","confidence_score":0.011423703}]},{"text":"She might just need to call you to get the information from your Lisa for the ID link to send out, but we'll try and work on that hopefully tomorrow.","start_word":11901,"end_word":11930,"intents":[{"intent":"Get information","confidence_score":0.020350607}]},{"text":"We'll see if we can log in to it okay. Yep.","start_word":11945,"end_word":11955,"intents":[{"intent":"Log in","confidence_score":0.9497338}]},{"text":"And what I'll do is I'll also just send you an email. If you can send me, Lisa, a copy of your super statements for your Brighter Super, your QSuper showing the balances, and also the insurances for Brighter Super. And if I can get both of you just to send me a copy of your most recent payslip as well, I just need all Okay.","start_word":12004,"end_word":12069,"intents":[{"intent":"Send emails","confidence_score":0.7772735},{"intent":"Send emails","confidence_score":0.35809797}]},{"text":"of that to be able to go forward and do the research and just double check all the figures and make sure everything marries up for you both. Okay? Okay.","start_word":12070,"end_word":12099,"intents":[{"intent":"Check figures","confidence_score":0.009451089},{"intent":"Provide research","confidence_score":0.023573434}]},{"text":"I'd love to book you both in now so we have that time slot set.","start_word":12280,"end_word":12294,"intents":[{"intent":"Book time","confidence_score":0.023006208}]},{"text":"Sounds good. Yep. Sounds Yep. good. Beautiful.","start_word":12374,"end_word":12380,"intents":[{"intent":"Confirm understanding","confidence_score":0.22010195},{"intent":"Confirm understanding","confidence_score":0.1339547}]},{"text":"The only other thing, just to sort of reconfirm for you, Lisa, is just the pre assessment that we did. Just need to run through a couple of questions with regards to transfer terms as the cover just to make sure that we've done all of that correctly research wise.","start_word":12443,"end_word":12492,"intents":[{"intent":"Confirm information","confidence_score":0.21367224},{"intent":"Confirm information","confidence_score":0.19831865},{"intent":"Confirm information","confidence_score":0.02014297}]}]},"sentiments":{"segments":[{"text":"Francisco speaking. Hi. Good afternoon, Scott. This is Dana from Okey Financial. Can you hear me at all? Yeah. I can hear you. I Oh, don't know. You you got me? I have. Yes. I can. So sorry. There was, like, there was nothing there. I do apologize Yep. about that. Yeah. Lisa's phone just showed up and missed call, and it didn't even ring. We're all sitting here looking at the phone. So Yeah. No. That's okay. I did just leave a message on the phone. It it sort of didn't really ring. It kind of ring rang up. once and then went straight through to voice mail. So I'm so sorry about that. I thought I'd try Yep. your number as well because you're probably sitting there Yeah. waiting for me. Sorry. We are. Hi, Dana. Lisa in the background. How are you, Lisa? I'm so sorry about yesterday. I do honestly apologize about having to push that one back and or reschedule. That's okay. How's your daughter? But she's okay. It is all sorted. It wasn't serious. Thank god.","start_word":0,"end_word":181,"sentiment":"neutral","sentiment_score":-0.054854411631822586},{"text":"But she was really, really stressed out and beside Yeah.","start_word":182,"end_word":191,"sentiment":"negative","sentiment_score":-0.4113245904445648},{"text":"herself. Essentially, Yeah. where I am located in Benora Point, she was turning to go into Woolies, and a car sort of went past the side flight. So he wanted to go in there as well.","start_word":192,"end_word":227,"sentiment":"neutral","sentiment_score":-0.15507541596889496},{"text":"And so it kind of hit the front of her car. It has caused a bit of damage.","start_word":228,"end_word":245,"sentiment":"negative","sentiment_score":-0.38837674260139465},{"text":"He's at fault. But, Yeah. yeah, she she sent me a photo, and my husband rang me going, are you okay? Like, can I talk to you? And I was like, oh my god. What's happening?","start_word":246,"end_word":281,"sentiment":"neutral","sentiment_score":-0.125459223985672},{"text":"She's been in an accident. She's freaking out.","start_word":282,"end_word":289,"sentiment":"negative","sentiment_score":-0.4607267677783966},{"text":"I was like, oh my god. So I had get the insurance information and get all that sorted for them. So he Yeah. ended up taking over it because he was down there, which was great. I'm an hour away from home at work. So, yeah, it we got it sorted.","start_word":290,"end_word":340,"sentiment":"neutral","sentiment_score":-0.03194011002779007},{"text":"She's okay. I went around last night and checked on her as well, and she's good.","start_word":341,"end_word":356,"sentiment":"positive","sentiment_score":0.4633100330829621},{"text":"It was just the initial, oh my god. And she's only 19. She's got her pay plates, and she's just like, what do I do? How do I deal with You this? are. So a bit scary for them, unfortunately, but she's good. But thank you so much for asking. And, again, I'm very sorry. The last thing I wanted was to reschedule your appointment. So No worries. No need to apologize. I'd be All doing good. the same.","start_word":357,"end_word":435,"sentiment":"neutral","sentiment_score":0.01954652927815914},{"text":"I'm so glad. All good.","start_word":436,"end_word":440,"sentiment":"positive","sentiment_score":0.5301464200019836},{"text":"Well, let's have a bit of a look at things for you both. So just before Yeah. I jump into the call, I do need to let you both know we do record our calls for quality and training purposes. Are you both happy for us to proceed with that? Yep. That's fine. Yep.","start_word":441,"end_word":494,"sentiment":"neutral","sentiment_score":0.107205830514431},{"text":"Fantastic.","start_word":495,"end_word":495,"sentiment":"positive","sentiment_score":0.5130826234817505},{"text":"Essentially so we had done the advice for you. I know, Scott, we had gone through your advice case earlier, and now your circumstances have changed. So you've dropped some hours, and things have changed a lot for you. How's everything been going? Yep. Good. Yes. Much Yeah. better not working. Yeah. You enjoy that? That's good.","start_word":496,"end_word":552,"sentiment":"neutral","sentiment_score":0.1216382384300232},{"text":"That's fantastic.","start_word":553,"end_word":554,"sentiment":"positive","sentiment_score":0.5390903353691101},{"text":"And, Lisa, we just wanted to kinda update and do a new advice case for the both of you. Is that correct incorporating your full circumstances looking forward at the retirement aspect and just incorporating everything into that? Does that sound right? Yes. The only thing that's Yep. changed there is that I want to consider 50% work as well. Okay. Consider So 50 percent and whether work. we can achieve that or whether I'm better Yep. off holding off. So Okay. yeah. No worries at all. Okay. Well, let's go through and update all of your circumstances. Now Mhmm. retirement goal wise, are we still wanting the same? I'm sorry. I'm just going back to have a look. Now we both wanted to access super around about the age of 60. Does that still sound appropriate? If we can access it earlier no. No. We wanna see. We wanna access the Super at 60. Yeah. Yeah. Yep. We'll Yep. still still Yep. keep working till then. Yeah. Yep. Yep. Yep.","start_word":555,"end_word":725,"sentiment":"neutral","sentiment_score":0.06632572464775621},{"text":"That's okay. And goal was to be able to your income.","start_word":726,"end_word":736,"sentiment":"positive","sentiment_score":0.3771723210811615},{"text":"We're looking at sorry. I'm just getting my screen to work for me. There we go. We were looking at a joint monthly income of $6,000 from super, so 3,000 from each if that works out that way or proportionately based on super balances. Does that sound correct? Yeah. Is that, like, high, or is that No. That's that's that's why. Well, at the moment, That's we have a we have a general expenditure at the moment of around about what is it? Hang on a minute. General 4.5 $4,700 a month. Yeah. No. That's honestly not that high at all. It's essentially 72,000. There are, like, research materials out there. So one of the research materials is ASSA, and they essentially take all the data collected by the all the industry super funds and correlate it together. And they're actually averaging that most couples need to draw no less than about 72 to $76,000 on a yearly basis for a minimum to comfortable retirement. And that's not taking K. holidays every year. That's just basic standard living expenses. Comfortable retirement to them is covering your mortgage if you still have a mortgage, going out to have lunch once or twice a week, going to the movies a few times, having haircuts and things like that. So in all honesty, that's not very much when you consider the cost of living, fuel, Yeah. food, Everything's going up. Okay. electricity. I think it was supposed to be $66,000 each, maybe. That would Well, be too I think, hard. yeah, we did have originally in one of them 6,000 each, and then in the other one, we had 3,000. Scott, I believe yours was 6,000 each originally. And then, Lisa, when Yeah. I spoke to you, it was a 6,000 combined 3,000 from each.","start_word":737,"end_word":1038,"sentiment":"neutral","sentiment_score":0.005289340857416391},{"text":"But I'm happy to work on either.","start_word":1039,"end_word":1045,"sentiment":"positive","sentiment_score":0.33941903710365295},{"text":"What goal would you like Well me to work for for you? well, maybe maybe we'll bump up. Maybe we'll meet halfway and do 4,000 each. Does that sound reasonable then? That's Yeah. that's yep. 8,000 a Absolutely. month? Yep.","start_word":1046,"end_word":1085,"sentiment":"neutral","sentiment_score":0.13079100847244263},{"text":"That's absolutely fine. Let's aim for the stars.","start_word":1086,"end_word":1093,"sentiment":"positive","sentiment_score":0.4684253931045532},{"text":"That's 90 So that's 96,000 a year. That's not too bad. Because yeah. none of Yeah. that will be taxed, will it? That's just straight. Correct. Yeah. Yeah. No. That is completely tax free. So once you retire and you know that time and phase, there is no income capital gains tax. Everything's tax free in that pension phase, which is kind of really Yep.","start_word":1094,"end_word":1158,"sentiment":"neutral","sentiment_score":0.1838417053222656},{"text":"nice after working for basically a lifetime.","start_word":1159,"end_word":1165,"sentiment":"positive","sentiment_score":0.5861449837684631},{"text":"Yep. K. So it's just figuring out if we can achieve that and still have that if Mhmm. I drop back hours as well. Yep. Yeah. I can look at that Yeah. for you. Absolutely. What are your average what's your average monthly expenditure? Both of us joined? Yeah. Jointly. Yeah. What do you guys' average expenses every month At the moment, our general expenditure, but that includes, like, food, private health, unions, services, rates, water, insurances, and all our vehicle transports and say? stuff, is around Mhmm. about 4,700 a month. 4,700 per month. Beautiful. But keeping in mind, a lot of those will be gone because we won't have motorbikes. Two unions. Yeah. And and all of those things, like, then Yeah. when we retire. Yeah. Absolutely. I think the main thing we're looking at that now is if, Lisa, you're wanting to drop your hours to 50%, it means dropping your Yeah. income as well. So Yeah. if we wanna look at what that means for your sleep or what your contributions look like going in, we wanna also make sure that if we tell you to do that, if we say it's possible, and Yeah. it means, you know, putting in extra contributions to supplement, we wanna make sure that you're still able to cover your expenditure, Probably the fine. not eating too much of that away. Yeah. So that's definitely sort of to factor in. When Yep. we income wise now so, Lisa, what's your income at the moment? So you want annual gross, or do you want take Yeah. home? Growth. Both. If So you can my do annual growth if gross you want that I my annual gross is can a $195.07 work out. Yep. 6 a year, $8.07 6. Yep.","start_word":1166,"end_word":1463,"sentiment":"neutral","sentiment_score":0.029067370853068045},{"text":"Beautiful.","start_word":1464,"end_word":1464,"sentiment":"positive","sentiment_score":0.404760479927063},{"text":"It's and about my the take same. home, which I only have in monthly, is $5.01 $4.08 and 60<unk> a month. $5.01 $4.08 and 60<unk>.","start_word":1465,"end_word":1492,"sentiment":"neutral","sentiment_score":0.07679025828838348},{"text":"Beautiful.","start_word":1492,"end_word":1493,"sentiment":"positive","sentiment_score":0.4887654185295105},{"text":"And per month.","start_word":1493,"end_word":1496,"sentiment":"neutral","sentiment_score":0.2730952501296997},{"text":"Excellent.","start_word":1496,"end_word":1497,"sentiment":"positive","sentiment_score":0.600018322467804},{"text":"And that's working, you know, full time well, four days of four days Full of time. well, full full time. Yeah. Full time out. Yep. Okay. Perfect. So if you drop down to 50%, we'd assume 50% of your income, so it would drop by about 50%, say. I assume so anyway. A bit of a tech. Probably be a little bit that's a bit more. Yep. That's Yeah. okay. Can I ask what's your what's your hourly rate, and how many hours would you expect to work? Because I can do the math manually Okay. Hang on one sec. It's on oh, wrong phone. I think I've got space, and that was mine. Just get my payslip. That'll be easier to look at. Yeah. You're Because I think I've I've with me dropping wages, fine. I've gone to just shy of 1,500 a week Okay. Let's instead update of two that for instead of $2.04. So it was you. only Yeah. a $900 drop. So I So my so alley, it's got right, you is on that 15 100 oh, sorry. per week. No. You're Yeah. It's right. 14 All good. 1,400 and change, I think I am. Let me get you down. 14 You are now I don't have your weekly. I've just got 517104 a month. $5.01 $7.01. Yeah. Hang on. Aren't you 5,000 a month? I'm the same 100. I'm the same if I drop down. Oh, okay. Yep. Oh, so that's not what my job is. No.","start_word":1497,"end_word":1746,"sentiment":"neutral","sentiment_score":0.01658316580951214},{"text":"Yours is wrong.","start_word":1747,"end_word":1749,"sentiment":"negative","sentiment_score":-0.34300050139427185},{"text":"Sorry. I'm giving you my wrong pay. That's that's a fortnight you've given up. Yeah. I have. That's okay. That's alright. So net month net sorry. Monthly. Will be double that figure that she gave you, so it'll Yep. be Double. 10,000 and something. It'll be 10,000 For 6 monthly. 101. That actually Yeah. Double works out one. better.","start_word":1750,"end_word":1808,"sentiment":"neutral","sentiment_score":-0.06488644331693649},{"text":"Beautiful.","start_word":1809,"end_word":1809,"sentiment":"positive","sentiment_score":0.4308354258537293},{"text":"Yeah. And that's your that's You your were thinking current that was net very in that small per if month. I'm gonna have that. No. That's okay. You're right. Sorry. No. That's absolutely fine. And what's Do your you want hourly my hourly rate there, rate? Lisa? Yes, please. My Yeah. my hourly rate is $100 and 3611, so 03611. 3611. Beautiful. And if you drop your hours to fifty so I'm assuming you work thirty eight hours a week at the moment or forty with breaks? It's thirty yeah. I think it's thirty eight. So it'll be Thirty half of eight. that. So half that.","start_word":1810,"end_word":1915,"sentiment":"neutral","sentiment_score":0.03617575392127037},{"text":"Beautiful.","start_word":1916,"end_word":1916,"sentiment":"positive","sentiment_score":0.43523862957954407},{"text":"Just to confirm. I would That's like to just double yeah. check and ask those questions just to make sure. Approximately that we'll be working Yep. on because I'd have to find someone to job share. Yep. Yeah. That's okay.","start_word":1917,"end_word":1956,"sentiment":"neutral","sentiment_score":0.07482283562421799},{"text":"Beautiful.","start_word":1957,"end_word":1957,"sentiment":"positive","sentiment_score":0.4616098999977112},{"text":"So I'll work on that for you, work on the expenditure side of things. So, Scott, you may mention with your changes, you're only working 50% now. And so Mhmm. Yes. just to reconfirm the income, I said you said it was changed 1,400 per week or fortnight. Is that right? Yeah. So tell you the exact I'll I'll go into the Commonwealth Bank and tell you the exact amount that's coming in. Wrong. Yeah. It's not. Oh, ignore that. Yeah. I haven't changed that yet. And that's that's it's got expenses in it. Don't forget. It's got expenses taken out of it. Yeah. So you can't look at my bank. Oh, then I don't have your pay stub. No. Are you due to get a payslip fairly soon? Or I sent some home, didn't I? You did. Yeah. Because there's there's I pay into shares out of my pay, and I pay accommodation out of my pay, which is all So you pay Out of pay. Yep. That's okay. Worst case, I could even just get used to email me each of you just a Yeah. copy of your updated pay slip, and I can just go back and work out the math. That's not a problem at all. Yeah. She's got one coming now.","start_word":1958,"end_word":2173,"sentiment":"neutral","sentiment_score":0.02128567344819506},{"text":"Just taking Beautiful. sweet time to download.","start_word":2174,"end_word":2180,"sentiment":"positive","sentiment_score":0.5827434659004211},{"text":"Don't worry. I've had shockers with computers today waiting for emails to go through and all sorts of dramas and technology is horrible. I'm good with old old fashioned pen and paper sometimes. Can you access that, Scott? So mine doesn't seem to work anymore for me. Well, that's in the mail. No. But you carry on, and I'll I'll come back to you with Yep. That's Yep. okay. That's okay. Easy. Easy. What What worst case, we can always just get you to email a copy through. I'll probably get you do that anyway just so I have a reference point just when I'm kinda going through and doing the math. I can include Yep. that and just double check the numbers and everything. I don't wanna give you incorrect or false information, so we'll make sure that we do all the math correctly there for you. Yeah. The you guys also sold the investment property last year. Yeah. All the proceeds of that, did that pay off the main primary residence? How did the how did that all go? So I think that's the question we wanna ask. We've got at the moment, we've we've paid it all off. We've got we've left our home loan open for the moment. It's got about how much is in in it? Let me just look. 193,600 owing on it, but we're not paying any interest because we've got about $387,000 sitting in the offsetting. Yep. Okay. Account. So but we'll have to take a $100,100,000 out of that for capital gains. Yes. So after we like, if we were to pay off the loan fully Mhmm. and pay Mhmm. off the Mhmm. capital gains, we'd be like we'd have about a $100,000 in Equity. Equity, like, Yep. and just sitting there as cash. So we're sort of like, do we pay the home loan after we leave the home loan there? And the main reasons we're we're thinking about that is because we're looking at buying a motor home and traveling. Doing a lot of Australia. Yep. So which helps us if we're working 50%. So I was Yes. sort of trying to decide what the better approach is there. Yep. That's okay. Now with the motor home, are you going to need to take out a loan or planning to take out a loan for that, or are you preferring to maybe buy out of cash with the money that you have left over? Yeah. Well, that's the thing with We'll have a 100,000 left over. We've probably got Yeah. a $100,000 of assets we're gonna sell. And then just Mhmm. a bit of maybe a bit of change, we'll pull back out of the home loan and only have 50,000 to pay off the home loan or something, Yep. which Okay. is why we haven't closed it down yet because home loan rate's better than car loan rates. So what we were thinking Correct. is that that what we should with a better idea then? Yes. In all honesty, depending on what sort of a caravan you get, if it is older than normally, most same as most cars, you've got to kind of have a value, but most loans end up being unsecured. Even a secured personal loan for that sort of thing is pretty hefty at about between six to, you know, 12%. So, realistically, Yeah. if you are going to get a try and get a loan, pull it off the mortgage, That way you Yeah.","start_word":2181,"end_word":2771,"sentiment":"neutral","sentiment_score":-0.004333372431131184},{"text":"are paying a much lower interest Okay. rate because mortgage rates are lower, and you don't have to go and get the loan again.","start_word":2772,"end_word":2795,"sentiment":"positive","sentiment_score":0.35475873947143555},{"text":"The other side of that is responsible lending, and I can safely tell you that the AML has changed. So the AML is anti money laundering counterterrorism, and that's essentially looking at you as an identity because there has been so much in Canada in terrorism financing, everything happening with the terrorist side of things over the last couple of years. They've also had a lot of anti money laundering going on as well. They've actually gone back and updated all of those sorts of legislations recently. And it means that whenever we, a bank, nowadays, even an accountant, a a lawyer, and a real estate agent now have to get your ID, confirm how funds are, where funds have come from, how they use the the AML side of things of getting your ID, improving who you are is a much bigger process on the other side of it. It's not as Yep. big a process for you guys to see, but it is a much bigger process on the other side of things. So there is a lot Okay. more to lending criterias that banks will have to go through to assess everything, Yes. which Yeah. means the cost of that on the other side down the track, I reckon, will probably change. But, realistically, with where you are, you've already got that loan there. You wouldn't have to go through the process of applying for loans, providing your bank statements, going back through the income assessments to get a personal loan, utilizing what you have. And because it's a a very a fixed sorry, a variable rate, and it's a home loan rate, you're technically paying a lower interest than what you would be if you were to get a personal loan. So this that Yeah. side So of we things, still have I would the probably home loan. look at this. Yeah. At the at the moment, we've got a 193,000. We only pay 320 a month, which is Which is because there's no no interest. We still pay a a monthly payment because they make you pay a payment. Yeah. Yeah. But yeah. So that'd be sort of similar, but we'd have that little bit of interest for Yeah. Yes. $50 or something that we pull out for the the home loan. The Yeah. Motorhome. Motorhome. The motor home. Yeah. How sorry. How much were you wanting to maybe pull out for the for the Yeah. motor home? What was the cost Well, it's supposed to I be? think the because we're looking at a brand new one. Well well, we're looking at a very close to new one. So it's probably around about $250, Yep. which means we'll Yep. we'll use a 100 of the offset money that was got left over. We use a 100 of our assets that we gotta sell, and we'll use 50 of the home loan. And Perfect. then we still got a $250,000 asset as well Yep. Okay. in the motor So with home. the Yep. yeah. Absolutely. And so with the assets to sell, is that your shares that you had sitting there as well? The the sorry. The the Assets out. No. That's actually I've got a new car, Oh, right. but I haven't sold the Tesla. And Right. and an agreement when we get the motor home is that they're selling the jet skis. So Right. the two jet Okay. skis and the trailer. So Jet skis. Right. We estimate Okay. them all joined together being $100. At least. Okay. Yep. Yeah.","start_word":2796,"end_word":3392,"sentiment":"neutral","sentiment_score":0.04507177971752744},{"text":"Beautiful.","start_word":3393,"end_word":3393,"sentiment":"positive","sentiment_score":0.4568887948989868},{"text":"Yep. So the jet skis will go. Wow. Yes. And the and the trailer. Yes. No. That's okay.","start_word":3394,"end_word":3411,"sentiment":"neutral","sentiment_score":0.1240976853813562},{"text":"All good.","start_word":3412,"end_word":3413,"sentiment":"positive","sentiment_score":0.4507920742034912},{"text":"And the motor home, is it more of a caravan, or is it more of an actual motor home which you'll drive around? What sort A of full thing motor home you're looking you drive at around. for motor home? Yeah. Yep. Beautiful. Are you gonna be looking to tow a car on the back end of that or No. just take No. it and go? No. That's Probably okay. just one of one of my little motorbikes I'll stick on the back of it.","start_word":3414,"end_word":3498,"sentiment":"neutral","sentiment_score":0.015731582418084145},{"text":"Nice. Nice. All good.","start_word":3499,"end_word":3502,"sentiment":"positive","sentiment_score":0.4681623578071594},{"text":"Alright. Well, let's Yeah. just update the assets that we do have here at the moment. So now your Yeah. main primary residence there, the last valuation we had on that was I had two different valuations. So, Scott, on yours, I had 1.5 mil, and the other one, I had 2.8 mil. How much do you value the property at? How much would it be valued at for you? But you said 1.9, didn't you? I thought it would be about 1.92 mil. Yeah. Yep. Did you want me to put 2 mil on it, 1.9? What do you Yep. are you Two comfortable is fine. with? Two is fine, Two I think. is fine. Yep. Yeah. Fine? Yep. Absolutely. All good. And then I've got the loan information here, so I'll just update that here as well. Beautiful. Offset's all covered. Other assets noted down that we had the motor vehicles. I had them noted as two motor vehicles. One of those, I believe, is a Tesla. Is that right? Yes. And that's the one we're Yep. going to sell or set Lovely. trying to sell. How much are you trying to sell it for? What sort of value you got on it? I've got it actually at 55,000 at the moment. Yep. Beautiful. And that vehicle is owned completely outright. No loans on it at all? Outright. No loans. Yep.","start_word":3503,"end_word":3735,"sentiment":"neutral","sentiment_score":0.0319078303873539},{"text":"Perfect.","start_word":3736,"end_word":3736,"sentiment":"positive","sentiment_score":0.3373287320137024},{"text":"Excellent. So 55 there. I also have down here the BYD Shark with an Yep. asset value of 50,000. Do you still have that vehicle? Yes. We do. Yep.","start_word":3737,"end_word":3765,"sentiment":"neutral","sentiment_score":0.08481440950056603},{"text":"Beautiful.","start_word":3766,"end_word":3766,"sentiment":"positive","sentiment_score":0.3798585534095764},{"text":"Would you value it the same, or do you think you'd change that valuation? That's 85? What have we got on that? What have we got on that 50 for a value? 55, you said. Sorry. Is that right? Yeah. Yep.","start_word":3767,"end_word":3807,"sentiment":"neutral","sentiment_score":0.0033690836280584335},{"text":"Beautiful. Excellent.","start_word":3808,"end_word":3809,"sentiment":"positive","sentiment_score":0.4265800714492798},{"text":"And no debt on that one completely outright as well? No. There's debt on that one. Okay. How much do we owe on that one? We owed currently I'm on the wrong phone again. Got my phone. Gotta keep sorry. Got different 45. It's a third of it. So I $50.50. I think it's 43,000. Yeah. 43 is quite a lot. Yeah. Yep. 43,000.","start_word":3810,"end_word":3873,"sentiment":"neutral","sentiment_score":-0.04247579723596573},{"text":"Excellent. Beautiful. Let's pop that in there. Fantastic.","start_word":3874,"end_word":3881,"sentiment":"positive","sentiment_score":0.4066616594791413},{"text":"And then we have the two jet skis, which will be sold down the track here. Yep. Yeah. But what sort of valuation would you put on both those jet skis currently? We've kinda put for the jet skis and its trailer. We're thinking Mhmm. we'll sell it for around between 50 to 60, so probably 55. Yep. Beautiful. Lovely. And they're earned out. Right? There's no loans on those? No loans. Nope. Beautiful. And the 55 is for the two jet skis and the trailer as well? Yep. Beautiful. Yep. Yeah. Yep. Probably just Beautiful. sell them as a package. Yeah. May as well.","start_word":3882,"end_word":3986,"sentiment":"neutral","sentiment_score":0.05170648545026779},{"text":"That's all good. Fantastic. Update that for you.","start_word":3987,"end_word":3994,"sentiment":"positive","sentiment_score":0.390251100063324},{"text":"So I'm just updating both the fact lines individually because I have one for each of you, so just making sure it's all good across the board.","start_word":3995,"end_word":4021,"sentiment":"neutral","sentiment_score":0.24561657011508944},{"text":"Fantastic.","start_word":4022,"end_word":4022,"sentiment":"positive","sentiment_score":0.3767686188220978},{"text":"I've got contents noted down here. So valuation of contents is about 282,500. Would you alter or change that valuation I think I'll just leave it as that, but I do have another Yep. vehicle that you've gotta add. Beautiful. And the new vehicle there as well. What kind of car is it? It's a BYDC line eight. Yep. C Line eight. Beautiful. And valuation of that vehicle? What what was your name? 70000. 70000? 70000. Beautiful.","start_word":4023,"end_word":4099,"sentiment":"neutral","sentiment_score":0.06938725709915161},{"text":"Excellent.","start_word":4100,"end_word":4100,"sentiment":"positive","sentiment_score":0.6201517581939697},{"text":"And I do have And a that's loan a on that. yeah.","start_word":4101,"end_word":4112,"sentiment":"neutral","sentiment_score":0.169504314661026},{"text":"All good.","start_word":4113,"end_word":4114,"sentiment":"positive","sentiment_score":0.4793546199798584},{"text":"How much do you owe on I think I owe around about what do I can I have The same thing? Around about the same because it's only that recent. one? It's only, like, four months old Yep. Yep. or a All couple of good. months old.","start_word":4115,"end_word":4161,"sentiment":"neutral","sentiment_score":0.02642940729856491},{"text":"And Beautiful.","start_word":4162,"end_word":4163,"sentiment":"positive","sentiment_score":0.34895873069763184},{"text":"it like, both of our vehicle loans, just so you know, they're both at, like, what his is 1.99%, and one's mine's 1.89%. So they're very low Okay. interest rates. Yeah. That's it. 1.89% there. And then the BYD Shark was 1.99 Yeah. Yep. percent. Yep.","start_word":4164,"end_word":4209,"sentiment":"neutral","sentiment_score":0.07977093756198883},{"text":"Beautiful. They are really low interest rates. That's fantastic.","start_word":4210,"end_word":4218,"sentiment":"positive","sentiment_score":0.5073856115341187},{"text":"Yeah. That's why Almost we didn't bother unheard paying them out with the money we had in the offset. We're like, of. that's Yeah. too low. It just Is that financed with the the Yeah. With BYD. BYD. car Yeah. yard? Yeah. That's what Yep. I do It to does shift shift sound units. Yeah. absolutely. Up to date by the It Chinese does government, I'm guessing. absolutely. But, no, that does sound like the car yard's interest rates, which is absolutely fine. Do you guys have balloons on those payments as well once they finish up, No. or is that completely No. paid down to nothing? No. Nothing. They have Beautiful. nothing in three years. Yep. No. All good. Fantastic. And you own both those cars in three years, or how Yep. often? Well, Yep. mine in two. Two, mine in three. So the Perfect. shark in shark in two. Yeah. So two years. Yep. To be owned. And then three for the BYDC line. Beautiful. Are Yeah? they both Yep. electric cars? Yeah. Yeah. Hi. Both both hybrids. But mainly, they drive Hybrid. lock and electric. Yeah. They've Yeah. just got Yeah. a generator here to get you going multiple. Yeah. Absolutely. Yeah. No.","start_word":4219,"end_word":4424,"sentiment":"neutral","sentiment_score":0.030416821599802347},{"text":"I've got a Hyundai and it's hybrid, and I love it. Driving an hour to work, it makes such a difference on fuel. It's easy to fill Yep.","start_word":4425,"end_word":4452,"sentiment":"positive","sentiment_score":0.4249925315380096},{"text":"up.","start_word":4453,"end_word":4453,"sentiment":"neutral","sentiment_score":0.3199729323387146},{"text":"It drives most of the way electric, and it's just so much easier.","start_word":4454,"end_word":4466,"sentiment":"positive","sentiment_score":0.427114337682724},{"text":"Yeah. Well, your card It works. goes pages on the line trip.","start_word":4467,"end_word":4478,"sentiment":"neutral","sentiment_score":0.12663081288337708},{"text":"It works. Fantastic. It's amazing, Yeah.","start_word":4479,"end_word":4484,"sentiment":"positive","sentiment_score":0.4850865304470062},{"text":"We can isn't do it. it? Especially for us Oh, to yeah. Yeah.","start_word":4485,"end_word":4497,"sentiment":"neutral","sentiment_score":0.04339781403541565},{"text":"So good. feel all good. Excellent.","start_word":4498,"end_word":4503,"sentiment":"positive","sentiment_score":0.4774316251277923},{"text":"Now the other thing to sort of look at so we've updated all your assets and liabilities there. Is there Do anything else asset or liability wise that we should probably update or note down as anything different to what we had or anything new? you mention the other you've got the other house there, haven't you? The other unit in Melumbin that we own? No. Not that one. So the unit Okay. in Wollumburn, that's okay. Yeah. Let's update that one. So that's a unit. What sort of value would you put on that one? 287,000. What we bought. That's what we bought it for. So 300 now because it's Probably 300. Cost the road trying to sell the one for For 400. For 400. 3 Yeah. 100. Wow. Yep. Beautiful. And That's do you have owned a loan out? on that you've owned No. outright? No. Beautiful. Not. Yeah. But it's owned Yep. with my parents. So all four of us don't own it, and they it's not. But Okay. I own it. Yeah. We just had to Perfect. put their name on the lease to Allow them to live in it. Yeah. Agree. Alright. Yep. So Yep. we own it. Beautiful. When it says ours, it's in the will that it's ours. It's it's yeah. Yep.","start_word":4504,"end_word":4722,"sentiment":"neutral","sentiment_score":0.016376689076423645},{"text":"Beautiful. It's good as the canna for in the wheel. Is fantastic.","start_word":4723,"end_word":4734,"sentiment":"positive","sentiment_score":0.40702375769615173},{"text":"They're fully owned, and your parents are living in it. Do they pay anything in rent or anything, or they're just living in No. it rent free? Rent free.","start_word":4735,"end_word":4763,"sentiment":"neutral","sentiment_score":0.0543506005457763},{"text":"Beautiful.","start_word":4764,"end_word":4764,"sentiment":"positive","sentiment_score":0.5332415103912354},{"text":"Rent free to us. Yeah. Yes. Just just Yeah. just an asset appreciating Yes. slowly. That's okay.","start_word":4765,"end_word":4781,"sentiment":"neutral","sentiment_score":0.21598558127880096},{"text":"Yeah. That's absolutely fantastic. Beautiful. Fantastic. Thank you for updating that.","start_word":4782,"end_word":4792,"sentiment":"positive","sentiment_score":0.6872974038124084},{"text":"And, Scott, you still have shares with BHP. Do you still have those? You sort of Yes. mentioned that you are still having those purchased out of your wages every month Yep. or fortnight? Yep. Yep. That's still happening. Yep. Beautiful. Do you know how many shares you have or what the current value of those are? I think it's up to 80,000 there. 83 80,000? eighty 3, was it? Let's see. I was looking at the spreadsheet. It should be in here somewhere. Yeah. That's Why is it not in there? It's asking the person that created okay. the spreadsheet. That's the other spreadsheet, though. Yeah. That's the one where I said I'm working 50%. Yeah.","start_word":4793,"end_word":4909,"sentiment":"neutral","sentiment_score":0.024124255403876305},{"text":"That's a good one. That's a good one.","start_word":4910,"end_word":4917,"sentiment":"positive","sentiment_score":0.35461652278900146},{"text":"So what have we got there? There it is. But you can't No. You can't see it from an email. You gotta log in. Oh. So if you haven't got it written in a spreadsheet, you can't see it. And I'll put in the spreadsheet. It goes up a great rate or not. So it's insane. Because they match whatever I buy. They match every three like, in the rolling three year period. So Oh, that's fantastic, so pretty isn't pretty it? much 50% shares because yeah. Yeah. 88,000. Oh, you found 80 it? 8,000? Eight Beautiful. eight no. Yep. So Yeah. that's That's where the 80 it's 80 eight thousand. thousand 703. So 80,000, not 88. Okay. Yeah. Can't read the numbers where they aren't. 80,000. 80,000. 80 Well, thousand. Do you let want me me look. to rounded Yep. off to 80,000 knowing it Yep. could definitely change in the future. It'll Yeah. definitely That's go Absolutely. up. But, yeah, it's it's going. I can yeah. Yeah.","start_word":4918,"end_word":5086,"sentiment":"neutral","sentiment_score":0.014229261002244328},{"text":"Beautiful.","start_word":5087,"end_word":5087,"sentiment":"positive","sentiment_score":0.7224369645118713},{"text":"And with those shares, is the intention just to keep holding them until Yep. you need Just to sell keep. them down the track maybe in retirement? Yep. Retirement. Or Yep. yep. Because I'll keep Yep. growing and getting matched as long as I you know, if I work to 60, they'll keep matching them till I'm 60. So Yep.","start_word":5088,"end_word":5147,"sentiment":"neutral","sentiment_score":0.09884315729141235},{"text":"Beautiful.","start_word":5148,"end_word":5148,"sentiment":"positive","sentiment_score":0.6522375345230103},{"text":"When we look at sort of those sorts of shares and things, realistically, selling them when you're younger, when you're still working, obviously, there's a CGT effect there for you. So if you can hold Yep. on to them and don't have to sell them until you get to retirement, then we can look at a way to sell them in retirement. So you're hopefully on a lower tax rate, which can affect make the CGT lesser, and also Yep. maybe selling them down in increments so that we can do it in proportions as well. So down the track when that comes, we can always help them look at that for you. Okay?","start_word":5149,"end_word":5262,"sentiment":"neutral","sentiment_score":0.1503034234046936},{"text":"Excellent. Beautiful.","start_word":5263,"end_word":5264,"sentiment":"positive","sentiment_score":0.5978124737739563},{"text":"So I've got everything basically here. You mentioned, sorry, with the Willumburn unit. Now that isn't a will. There's no Yep. kind of what happens to that property when your parents pass away, and I'm sorry to sort of touch on that. Yeah. Is the intention to then keep it and rent it out, or what sort of is meant to happen to that in the future? We'd probably sell it. I think we'd sell it depending on, you Yes. know, what was going on with us. If we were not well and had to downgrade at home, we'd just probably leave leave it and sell this one. But Yes. I the intention at at this stage, if all is going good, we'll just sell it. Okay. So possibility to sell in the future. Yeah. Yeah. Most likely. That's a long time in the future. Your parents have a nice long life ahead of them. That's Exactly. what we want. So to speak. But they are Beautiful. 70 my dad's 78, and my mom's 77. So, you Yep. know Yep. yeah. Yep. No. That's okay. Not a problem at all.","start_word":5265,"end_word":5454,"sentiment":"neutral","sentiment_score":0.02832805306503647},{"text":"Excellent. Well, thank you for updating those.","start_word":5455,"end_word":5461,"sentiment":"positive","sentiment_score":0.6161949038505554},{"text":"Now just sort of re going back to the estate planning side of things, last time we sort of touched base with both of you, both confirmed you had an upstate will and power of attorneys. Do those documents, have they been reviewed in the past? Are they still do do you know are they still reflective of your current circumstances? Do you feel like they need to be updated at No. That they won't all? change ever. It's everything goes Nope. to our daughter and me. Yes? So me. So that will never Beautiful. change. No. We only Beautiful. have one I child.","start_word":5462,"end_word":5565,"sentiment":"neutral","sentiment_score":0.037295326590538025},{"text":"It's easy. love that.","start_word":5566,"end_word":5569,"sentiment":"positive","sentiment_score":0.5526561737060547},{"text":"We made it so it was just, like, no matter what, it was just either me or Katie. So that was just yeah. Didn't have to change it later, and she could Yeah. look after any Lovely. distribution. Yeah.","start_word":5570,"end_word":5608,"sentiment":"neutral","sentiment_score":0.2120787501335144},{"text":"Lovely. Excellent. All good.","start_word":5609,"end_word":5612,"sentiment":"positive","sentiment_score":0.452084481716156},{"text":"And now your daughter, she is is she older than 18 or under 18? How old is she? She's 28. 28. Beautiful. Working nontax nonfinancial dependent. Do you guys still help her in any way? No. She's she's fully depend yeah. Independent herself. Independent? She's got a husband Lovely. and and a grand and given us a grandchild and Oh, beautiful. yeah. Rancho. Excellent. Do you have We're a boy, afraid. girl? Oh, boy. No. No. So I'm quite not. I've got my eldest two, 19 and 20, and my youngest is 10, so we're not quite Oh. there yet. We had a third a few years apart.","start_word":5613,"end_word":5720,"sentiment":"neutral","sentiment_score":0.04890688136219978},{"text":"But he is honestly really cool.","start_word":5721,"end_word":5726,"sentiment":"positive","sentiment_score":0.4591021239757538},{"text":"I kind of like the boy as well as having girls. It's a very different vibe. Yeah. No. Very, That's beautiful. very different vibe. Yeah. How do you like being grandparents? I've always sort of thought, like, I'm sure that's coming up in the horizon for me, but how do you guys feel being grandparents? How do you like it? What's the It's the way vibe more fun feel? than being a parent.","start_word":5727,"end_word":5799,"sentiment":"neutral","sentiment_score":0.14992363669284403},{"text":"Way more I fun. bet. It's way better.","start_word":5800,"end_word":5807,"sentiment":"positive","sentiment_score":0.5059031844139099},{"text":"Yeah. It's it's Oh, you way get to better. say yes. Yes. You get to just you don't have to be the the rule enforcer or any of that.","start_word":5808,"end_word":5836,"sentiment":"neutral","sentiment_score":0.20221614837646484},{"text":"You get to give them back, and you get all the love.","start_word":5837,"end_word":5848,"sentiment":"positive","sentiment_score":0.40113580226898193},{"text":"Oh, I love that. You get to say yes all the time when mom would probably say no. Yep. Exactly.","start_word":5849,"end_word":5868,"sentiment":"neutral","sentiment_score":0.199939489364624},{"text":"Oh, that is absolutely beautiful. I love that. That's fantastic.","start_word":5869,"end_word":5878,"sentiment":"positive","sentiment_score":0.782924234867096},{"text":"And beneficiary wise, in the event of passing, am I correct in assuming that if anything happened to either of you that you just want each other to receive the Yes. super benefits and any life portions paid out. Is that correct? Yep. Beautiful. I know I had all of this in your last two advice documents, Yeah. but because I'm doing it again, I'm gonna update all those aspects as well. So this will be a pretty big advice piece, but that's absolutely Yeah. fine. It'll touch Yep. base on everything we've gone through and just update all of your circumstances as well. Okay? Yep. And looking It's at least at super two to see if it's worth air moving to HubBook 24 or leaving where it is or all of that. yeah. Yeah. Yeah. Absolutely. Yep. Definitely. And that's the other thing I sorta wanted to touch base on was something I couldn't sorta touch base on before. So, obviously, with, Scott, you're and you're comfortable I just have to confirm, Scott, you're comfortable with me talking about your super. Are Yes. you happy with this? Yep. Perfect. Lisa, you're happy with me talking Vice about versa. your super balances and things? Yep. Yep. Perfect. Just wanna make sure I did the right No. thing by That's both. that's good. Essentially, with your super so, Scott, you're in Hub 24 at the moment. And one of the things, when we sort of did your advice, Lisa, we did recommend moving into Hub 24. Yep. One of the things I was not able to recommend at the time because I didn't have both of you there was linking your supers together.","start_word":5879,"end_word":6160,"sentiment":"neutral","sentiment_score":0.06154037782169403},{"text":"This is actually great because we can talk about that.","start_word":6161,"end_word":6170,"sentiment":"positive","sentiment_score":0.6425290703773499},{"text":"Essentially, what we do, if I recommend it, I probably will because it works out better, but I will Yeah. still do my due diligence and go back and reassess. But in the back end, we can link your super accounts within Hub twenty four under what's called a family fee Yeah. aggregation. That links everything in the back end, and that means whenever you guys log in to your Hub 24, you can see both of your supers sitting there. You'll see Yeah. both of your Yeah. super balances. You can cross between the two.","start_word":6171,"end_word":6266,"sentiment":"neutral","sentiment_score":0.17263826727867126},{"text":"But doing that gives you the benefit of lowering your admin fees in the back end. So you get discounts on administration fees and things like that. It can actually reduce your fees, Scott, even more than what they have.","start_word":6267,"end_word":6306,"sentiment":"positive","sentiment_score":0.5069211721420288},{"text":"Yep. Yep.","start_word":6307,"end_word":6308,"sentiment":"neutral","sentiment_score":0.27761006355285645},{"text":"And then, obviously, it helps to reduce leases fees as much as possible as well.","start_word":6309,"end_word":6323,"sentiment":"positive","sentiment_score":0.36648106575012207},{"text":"Are you both comfortable with me doing that? Yes. Yep. Definitely. Yep.","start_word":6324,"end_word":6335,"sentiment":"neutral","sentiment_score":0.20763711631298065},{"text":"Beautiful.","start_word":6336,"end_word":6336,"sentiment":"positive","sentiment_score":0.625777006149292},{"text":"There's another thing I do like to do when I'm talking to couples together as well, and I sort of initially plan to come back and talk to you about it as well. But we can also add what's called a third party ex sorry. Third an external third party authority. That essentially means that we put that on file for both of you. So if something happens, it means that, Lisa, you can call and talk to us about Scott Cooper and get information and reports and things like that. But it also Yes. means, Fine. Scott, Yeah. you can do that for laces. Yep.","start_word":6337,"end_word":6442,"sentiment":"neutral","sentiment_score":0.1737036257982254},{"text":"I like That'd to be kind good.","start_word":6443,"end_word":6449,"sentiment":"positive","sentiment_score":0.38992491364479065},{"text":"of put that for because if one of you unwell in hospital or something's happening, it means that you can call and talk to us. You can't make changes on each other's behalf, but it does mean that we can sort of liaise with each of you, and it tends to work really well for couples. Would you like us to apply that to this to our file for each of you as well? Yes, please. Yep.","start_word":6450,"end_word":6526,"sentiment":"neutral","sentiment_score":0.13908622297760728},{"text":"Beautiful. Lovely. I'll get those done up and sent through to you guys before we do the advice. So that way, we can have them set up on the file.","start_word":6527,"end_word":6556,"sentiment":"positive","sentiment_score":0.4696170687675476},{"text":"That way, in the meantime, if any of you have any questions or need anything, you can still liaise with us. The e t p a is on file and active for the each of you. Okay?","start_word":6557,"end_word":6593,"sentiment":"neutral","sentiment_score":0.25618669390678406},{"text":"Cool. Beautiful. Excellent.","start_word":6594,"end_word":6596,"sentiment":"positive","sentiment_score":0.6088506579399109},{"text":"As I kinda mentioned before, we do have a new there are new AML legislative requirements. So before providing the advice, now I do have to get a copy of your ID, Lisa. So I'm gonna send Yeah. through a link, and so it looks like your ID on file has expired as well. So what I'm Yes. gonna do is I've gotta generate a link to send through to you both just to get an AML completed to get your ID done. I'll see if I can log in to this for you while I have you on the phone here because it's the first time I've actually used this. I do apologize.","start_word":6597,"end_word":6710,"sentiment":"neutral","sentiment_score":0.04415184259414673},{"text":"Beautiful.","start_word":6711,"end_word":6711,"sentiment":"positive","sentiment_score":0.42568790912628174},{"text":"So this is just a secure way. So what we used to do is we used to just ask you via text message or email to provide a copy of your ID. Doing it this Yes. way is much more secure for you both. It's essentially the system sends you an email link. It asks you to follow the prompt just to take, like, photos of your back in front of your ID and generally yourself as well. And this way, it's much more secure, so we're not getting anything via text message. This is all approved by the f triple a, so the Financial Planning Association of Australia in unison with ASIC.","start_word":6712,"end_word":6824,"sentiment":"neutral","sentiment_score":0.199905127286911},{"text":"So it's much better for you to do it this way.","start_word":6825,"end_word":6835,"sentiment":"positive","sentiment_score":0.3406536877155304},{"text":"I'm just No gonna worries. go in, sorry, and set it up because I have to prompt it to send through to you, and I've gotta answer a couple of questions to begin with. Sorry. It won't be two seconds. Just logging in. My computer's a little bit slow this afternoon. There we go. Oh, it's not working. Sorry. It's still telling me there's an error. I had trouble I was logging into this yesterday to test it for you before I sent it through, but it's still causing a problem for me. Come on there. Alright. Still not working. Done. That's okay. If it's okay, I will get this updated. There seems to be a problem with the login, and I think it's on the end of the the system. If it's Yep. okay, can I get Maddie to follow-up with you both just to kinda send that link out and get a Yep. copy of your ID organized through price, the advice being completed? Is that absolutely Yep. okay with either of you? Yeah. Not at all. Yep.","start_word":6836,"end_word":7015,"sentiment":"neutral","sentiment_score":-0.08770082994467682},{"text":"Fantastic.","start_word":7016,"end_word":7016,"sentiment":"positive","sentiment_score":0.4546186327934265},{"text":"I'm so sorry about that.","start_word":7017,"end_word":7021,"sentiment":"neutral","sentiment_score":0.10863962769508362},{"text":"I love technology That's okay. when it wants to work for us. All good.","start_word":7022,"end_word":7035,"sentiment":"positive","sentiment_score":0.4075310528278351},{"text":"Now the other thing to have a chat about is the insurance side of things as well. So in the original advice piece, so, Lisa, with your advice piece, you have your life, your TBD. I'll double check, and I'll get you to resend me an updated statement for your super funds with the updated balances and insurance side of things. But you had about a 106,000 in life and TBD within Brighter Super there, and we were recommending to retain your income protection through your employer because that was a fantastic policy.","start_word":7036,"end_word":7128,"sentiment":"neutral","sentiment_score":0.21312230825424192},{"text":"Yeah. The main sort of reason for retaining the life and TPD was that you were comfortable with the amount of cover looking at your balance plus the life cover if anything had happened based on the loan that you still had owing that was gonna cover the mortgage side of I'm things, and you were fairly happy with that.","start_word":7129,"end_word":7188,"sentiment":"positive","sentiment_score":0.364445835351944},{"text":"Do you feel like you wanna look at any additional insurances, insurances, or are you still happy with that 106,000 more focused on getting super balance increased? What's your thoughts? I'm still happy to keep it. Yes. Still Yeah. happy to keep it? Yep.","start_word":7189,"end_word":7232,"sentiment":"neutral","sentiment_score":0.06519163399934769},{"text":"Beautiful. Excellent. That's okay. Excellent.","start_word":7233,"end_word":7237,"sentiment":"positive","sentiment_score":0.49150338768959045},{"text":"Yep. That's okay.","start_word":7238,"end_word":7240,"sentiment":"neutral","sentiment_score":0.29510998725891113},{"text":"Excellent.","start_word":7241,"end_word":7241,"sentiment":"positive","sentiment_score":0.5224659442901611},{"text":"And we'll still look to retain the income protection policy.","start_word":7242,"end_word":7251,"sentiment":"neutral","sentiment_score":0.25913316011428833},{"text":"That was actually a really fantastic policy. I really enjoyed researching that one.","start_word":7252,"end_word":7264,"sentiment":"positive","sentiment_score":0.7195479869842529},{"text":"That policy, even when you drop your hours, there should be no change. That policy, that will still stay in place as it is. Do you know if there's any changes that would be expected with that income protection policy aside No. from There shouldn't the amount be. they would pay? No. That's okay. Should say beautiful. I still have the PDF documents, though. I'll still just run through just to make sure that everything is still okay if you drop your hours there. Yep. The other thing we did talk about initially was trauma. So trauma, if you decide to take on trauma, isn't more of an out of pocket expense. Unlike life, PPD, income protection, you can't hold trauma inside super. Trauma tends to pay out a lump sum tax free benefit in the event that you'll stay diagnosed with, say, Parkinson's, MS, or neurological conditions. Cancer's a big one. Also, heart attacks and strokes tend to pay out as well. Did you wanna look at getting a level of trauma to cover you in the event of something major occurring, or are you happy just to keep the covers you have not worry about trauma? How do you feel there, Lisa? Do I have trauma in mind? Or You don't. Oh, no. I'll Yeah. pull up yours. Sorry. Two seconds. I'll just pull it up. I do have your policy here. I'm pretty sure you don't. I'm pretty sure you just Yep. have the license EPD and some income protection. Yeah. Yeah. Yeah. Scott Need compensation. That's the one I got. Yeah. Yeah. Yes. It's got yours. It's with Zurich, and you've got 300 and sorry. 525,000 of life and TBD, and then Yep. you've got income protection as well. Yeah. No. That's good. Yeah. Yeah. No. I don't think Yeah. we either of us what do you reckon you don't need? No. No. We don't need No. trauma. That's okay. All good.","start_word":7265,"end_word":7590,"sentiment":"neutral","sentiment_score":0.011812821236307636},{"text":"Happy with not having it, Scott.","start_word":7591,"end_word":7596,"sentiment":"positive","sentiment_score":0.33756953477859497},{"text":"Easy. Income wise, your income protection was based on, obviously, your last Yep. Oh, yeah. income. You've dropped your hours pretty significantly there. Did you want me to review the level of income protection and maybe look to reduce that back if it's if if you're a bit over insured at the moment? Yes. Yep.","start_word":7597,"end_word":7651,"sentiment":"neutral","sentiment_score":-0.005110719241201878},{"text":"That'll save Yep. us some money.","start_word":7652,"end_word":7657,"sentiment":"positive","sentiment_score":0.3910540044307709},{"text":"So Yeah.","start_word":7658,"end_word":7659,"sentiment":"neutral","sentiment_score":0.24913012981414795},{"text":"Absolutely.","start_word":7660,"end_word":7660,"sentiment":"positive","sentiment_score":0.37241190671920776},{"text":"I mean, with your life, TPD, and income protection, they're all paid out of super, which is a benefit because it means that you don't have to pay those premiums out of your back pocket. However, because they are paid out of super, it does mean that it does have an effect. That does lower the amount of super we'd Yeah. expect you to end up in retirement. And all insurance premiums tend to get more expensive as you get older. So these will continue to get more expensive, which has a greater effect. So we will definitely wanna make sure we review them with you and try to reduce them back as you no longer need that level of cover. Because I have seen people in their, you know, fifties and sixties who are paying phenomenal premiums. I'm talking, Yep. like, Yep. $10.15, $20,000 in premiums. So we Well, just wanna make sure that you guys are not having all your overpaying. super easy way. Yeah. Correct. Well, even Correct. needs 525 in cover. Well, Okay. let's Yeah. have Like, a that's look at that. Yes. yeah. Because that's So that was when we had a pretty big home loan. I just wanted to make sure Lisa was right. But yeah. We Correct. may not even Correct. know by the time. So we could probably drop that into a just so she gets something. But Yeah. Correct. So let's have a look at your super balance and see where that's up to. So given that your mortgage is basically fully off offset, even if you do, say, take a bit of money out, you said you'd probably take about 100,000 out of that for the the purchase of the caravan or the the motor home. Yep. Yeah. Possibly about 50 to 100. Yeah. So just looking at things, that realistically means in the event of, say, you passing away, in order to be debt free, it'd be looking to pay off that portion of the mortgage that you do use, but then also the car loans if it's within that time frame. Yes. So it's just gonna be out of that So pretty much. Yeah. So, yeah, it could yeah. probably be a lot more. I'm just Yes. logging It in might to that HubSpot might pay real to drop quick. that once we know what we're we're in for. Yeah. Absolutely. Absolutely. And Yeah. it comes down to your goal there. So when you look at your super balance at the moment, your balance as of today's date, you've got 699,532. So when we sort of look at this, if you were to pass away today Yeah. and say, at the moment, your mortgage is fully offset, so you don't Yeah. have to worry about paying that back. But then looking at the other debts that you do have, you've essentially just got the two car loans. So Yeah. 43 Yeah. thousand and 70. So it's about a 113,000 that would have to be paid off in debt. So Yeah. $6.99 $5.03 2 minus a 113 essentially means with your super balance paid at as your life benefit. This is not factoring in any additional life insurance. It means that Yep. Lisa could then receive $586,005.32 plus you guys being fully debt free there. That's Realistically, for that insurance. do you Yeah. yeah. Do you feel like that's enough? Do you feel like having a bit of life cover on top of that would provide more benefit? How do you feel about that sort of stuff?","start_word":7661,"end_word":8258,"sentiment":"neutral","sentiment_score":0.06899004065771167},{"text":"No. We could probably suck your cake. What do you want?","start_word":8259,"end_word":8269,"sentiment":"negative","sentiment_score":-0.60289067029953},{"text":"K.","start_word":8270,"end_word":8270,"sentiment":"neutral","sentiment_score":-0.17946183681488037},{"text":"Not for you because this is if I'm gone, is that enough for you to live off? I feel gone. I don't need as much to live off. Can you leave more extravagant than me?","start_word":8271,"end_word":8305,"sentiment":"negative","sentiment_score":-0.40921512246131897},{"text":"Sorry. We can You just probably because because that'll make the Some are basics. So if we drop that, that means that the soup is gonna grow quicker, isn't it? Yeah. Yes. Yes. Yeah. At Yep. the moment, based on the last valuation I have of your premium, it was 3,795 deducted from super for the insurance costs. I mean, Yeah. if you wanted to, I could look at even just halving the insurances to start with, and we maybe drop it to 250,000 to give you a base level of cover, and then we could always look to reduce it back. That would sort of mean that in the event of passing, if you had $2.50 and Yep. factoring in the fact that you wanna get that camper as well, so then say it would replace the 100,000 as a max on Yep. the loan That if sounds you redraw good. that off, Yep. plus the 113,000. That's $2.63. So the $2.50 would cover all your debts essentially. 10 yeah. There's, like, just a 13,000 left over to maybe come out of your super to benefit, but then it means that all of the super can be paid to Lisa as a benefit to sort of help her along. She can, you know, put Yep. it aside, invest, whatever she wants to do. The money also paid as a death benefit doesn't have to be paid as a lump sum. So the way death benefits work is if you were to pass away, we help with the claim, but then you get the choice of taking the money out solely as a lump sum benefit, or it can stay in the super system, and it goes into a a death benefit for you as a pension. And you can be drawing that money out of the pension on a regular basis as regular income and keep it invested. So if one of you would have passed away, that's how your super benefit can be paid. You get options on how you wanna do it, and we will help provide advice on how, obviously, to help keep it invested your income, or you can just take it as a lump sum. It's completely up to you. But Yep. that's generally how they work. Yep. Yeah. I think we look at either halving it or getting rid of it altogether, like, maybe do the two scenarios Yes. because, you know, we're sitting pretty pretty well. So even Like, if it Like, if it makes a big impact on the If one of it passes, Mhmm. you know, everything the second car goes, the second bike goes, you know, everything can go because Yep. so I think yeah. Look. It's yeah. I'm not sure you need it. Yeah. Yeah. Yep. Maybe definitely That's okay. definitely have it, but maybe and we'll see what it's worth. But, you know, that's the way Yep. I look at it is all that money going into my super is only gonna help it grow quicker than Especially now you're going Yep. half. Yeah. But I'm still paying I'm still paying extra. I'm still paying the full amount of super that I can every year. Yeah. I'll just pull that out of my wage. I can look at both if you like. What Yep. I could Yep. do to assess it is I can look at halving it. Because at the moment, because your income protection is together, you get the multi policy discount. So I'll look at Yeah. halving Right. the policy to $2.50, but then Yeah. I'll also look at canceling it. If it makes your income protection more Yep. expensive because it can, I'll keep the there. Yep. If I assess That sounds everything good. and it's better to cancel a life and TPD, the income protection doesn't go up as crazy, and this also Yep. helps your super balance projected forward, then I can always look to cancel it and justify that for you. Does that sound Yep. Yep. okay?","start_word":8306,"end_word":8982,"sentiment":"neutral","sentiment_score":0.06787845009230793},{"text":"That sounds great. Yep. Beautiful.","start_word":8983,"end_word":8987,"sentiment":"positive","sentiment_score":0.5900059342384338},{"text":"I'll assess both options and let you know how we how it looks in the advice document. What I'll do in the advice document, I'll put down what I'm recommending we do, how and why the risks, disadvantages, as advantages as well. And then in the appendix, I can put the other alternative for you so you can see the difference. Yep. Does that sound Cool. okay? Yep.","start_word":8988,"end_word":9055,"sentiment":"neutral","sentiment_score":0.0998017191886902},{"text":"That Fantastic. Beautiful. And, Lisa, you may mention you're happy with the life and TPD, the the amount sounds great.","start_word":9056,"end_word":9075,"sentiment":"positive","sentiment_score":0.41249966621398926},{"text":"you have within Brighter Super because you've also got your q super defined benefits still, and that does pay out a lump sum. Or it pays that either a lump sum or an income stream in the event of your passing. And that can Yeah. definitely go to Scott there as well.","start_word":9076,"end_word":9127,"sentiment":"neutral","sentiment_score":0.18454210460186005},{"text":"So your super balance is pretty pretty nice between the two, and that defined benefit is beautiful as well.","start_word":9128,"end_word":9146,"sentiment":"positive","sentiment_score":0.5054323077201843},{"text":"Are you happy just for that life and t TPD amount? Yeah. Yep. Beautiful. Having a look the last advice piece we had just with the balances, and they definitely could have changed since then. So I will get some updated statements if that's okay just with the amounts as well as the insurance benefit amounts. But the Yep. amount we had within Brighter Super at the time of the last device was about $481,007.91. And I've then got in that I've sorry. got You're right. $5.17 $7.09 6 and 96<unk> at the moment in my Brighter Super.","start_word":9147,"end_word":9245,"sentiment":"neutral","sentiment_score":0.052002742886543274},{"text":"Beautiful.","start_word":9246,"end_word":9246,"sentiment":"positive","sentiment_score":0.3905163705348969},{"text":"And the q super balance was quite nice as well. But do you know what the what that would have indexed to or increased to since Yep. I'm just going in there now. that's These okay. are the wonderful apps that are a little bit slow. We had So one forty two six seven four in there last time. so one forty eight one one two and forty one cents. And 41<unk>.","start_word":9247,"end_word":9320,"sentiment":"neutral","sentiment_score":0.011357339099049568},{"text":"Beautiful. That's indexed quite nicely. That's fantastic. Love that.","start_word":9320,"end_word":9329,"sentiment":"positive","sentiment_score":0.5403929948806763},{"text":"So that's on Beautiful. top of my $5.17, isn't it? It Yeah. is absolutely I keep so thinking both I of have those a small amount, combined. and then I remember I've got two. Yeah. So with the defined benefit, that essentially is as we recommended before, I will not change or move that in Yeah. any way. It will just stay where it is for the time being. But Yep. as things change as you get older and we're able to look at moving it, we'll assess whether keeping it there or moving it and combining it works better for you and look at, you know, how that affects your super.","start_word":9329,"end_word":9438,"sentiment":"neutral","sentiment_score":0.048722996359521695},{"text":"But for the moment, keeping that exactly where it is, that is a beautiful super fund. I do love myself a good defined benefit.","start_word":9439,"end_word":9462,"sentiment":"positive","sentiment_score":0.4764888882637024},{"text":"I do wish they had them. I asked my boss to set one up, and he told me no.","start_word":9463,"end_word":9481,"sentiment":"neutral","sentiment_score":0.02669724822044373},{"text":"But they they are a really beautiful super fund.","start_word":9482,"end_word":9490,"sentiment":"positive","sentiment_score":0.4128763675689697},{"text":"I pretty much have to keep that one there until I'm at least 55, it says. Otherwise, I lose, like, $20 out of that, Yes. Absolutely. which is And not worth even it. between even between 55 and 60, there are often tax consequences as well. So Yep. we can assess that at 55 and to see what the consequences look like and see we can get projected outcomes on or quotes on what it looks like if we transfer it across. But then we can also get that done at 60 to see what the difference is to make sure that you get the most of that benefit amount. Okay. Yeah.","start_word":9491,"end_word":9602,"sentiment":"neutral","sentiment_score":-0.027868833392858505},{"text":"Excellent. Beautiful. Lovely.","start_word":9603,"end_word":9605,"sentiment":"positive","sentiment_score":0.5225886702537537},{"text":"So just to kinda recap, I'll look at the supers. Scott, we have just made changes to your investments Euros. Yep. as well. Yep.","start_word":9606,"end_word":9629,"sentiment":"neutral","sentiment_score":0.1236688196659088},{"text":"They are doing very, very nicely, actually.","start_word":9630,"end_word":9636,"sentiment":"positive","sentiment_score":0.5486615300178528},{"text":"So I'm also just gonna give you an update on the performance since we did that because that was a few months ago now. Yep. So looking back sorry. It's just loading the report for me. Still loading. Sorry. Goodness. It is We're just laughing at the young fella at the door trying to make his way in. We've got the door closed? Oh goodness. This is taking a long time to load. Definitely shouldn't be taking that long. That's loading. So I'll let it load for a minute. Hub 24 is feeling a little bit slow this afternoon. That's okay. While that is loading, I'll just sort of go through your risk profiles as well. So I don't wanna go through the 14 questions there with you, Lisa, and make you answer all Yeah. those again. But, essentially, just wanted to kinda reclarify that they are comfortable for you and give you the information on how they work, what the risk profile all asset allocations are, and talk about the appropriateness of them for you both. So, Scott, you're in that growth environment. Yep. Yep. Lisa, At I'm link pretty dot sure you scored the same. I'm Same. just double checking. Yeah. Yes. You did. Yeah. So the growth environment suits someone who is wanting to access their super no earlier than six years to someone who's wanting to keep their funds invested for six years or longer.","start_word":9637,"end_word":9875,"sentiment":"neutral","sentiment_score":0.07485783020634532},{"text":"So it does suit the time horizon that you both definitely have.","start_word":9876,"end_word":9887,"sentiment":"positive","sentiment_score":0.5046495795249939},{"text":"It normally sees about 80% of your super invested in growth assets. So think about things like Australian shares, international shares, listed property, and also commodities, and then the other 20% in lower risk defensive investments like cash, bonds, and fixed interest. If you consider the risk level out of, say, five, five being the highest risk level, all money in those high risk assets, one being the lowest that's sitting all in cash, you're sitting at about a three. So you're kind of in that middle range there.","start_word":9888,"end_word":9976,"sentiment":"neutral","sentiment_score":-0.02387206628918648},{"text":"The growth portfolio generally expects the likelihood of a negative return, say, one in every five years.","start_word":9977,"end_word":9993,"sentiment":"negative","sentiment_score":-0.3362557888031006},{"text":"The expected returns that you're sort of wanting to achieve on a yearly basis, compound and forward, is between seven to 9%. So anything under that 7% for the year, the portfolio has underperformed.","start_word":9994,"end_word":10027,"sentiment":"neutral","sentiment_score":-0.2317817360162735},{"text":"If we are getting those sorts of lower returns, we wanna make sure that the market as a whole has also been down. That way, it sort of shows that the return being lower is because of market reactions, not because portfolio hasn't performed. If that's the case, it means that there's something wrong with the portfolio, not the market as a whole.","start_word":10028,"end_word":10090,"sentiment":"negative","sentiment_score":-0.3849411010742187},{"text":"Yep. And then anything over 9% is essentially an overperformance there.","start_word":10091,"end_word":10101,"sentiment":"neutral","sentiment_score":-0.2436605840921402},{"text":"A lot of the portfolios do get more than 9%. Overperformance there. A lot of the portfolios do get more than 9% or have averaged more than 9%, and we wanna aim for the best possible return.","start_word":10102,"end_word":10138,"sentiment":"positive","sentiment_score":0.4457865357398987},{"text":"But we sort of look at the seven to 9% as an average of what you should be able to achieve in that risk profile given the risk you are taking and the type of asset allocation that you have. Does that make sense? Do you have any questions? Do you both feel comfortable in that sort of Yep. Maybe maybe down the track as we get on, we might drop to a from a three to a two sort of thing, like, a slightly safer, but, yeah, we'd like to get the balance up too. Like, Absolutely. we'd like to get our balance Yes. up higher. Absolutely. And, normally, because of with this risk profile, it does fit a six year time horizon. I So normally would not want you to be in this for any longer than you need to be. So when you do get about sort of six years out, we do wanna look at maybe reducing the risk level a bit for you guys, and we start to reduce it in increments. So we step down generally in 10% increments. That way, it's not a drastic change to your risk level, your portfolio, but it steps you down in increments towards being lower risk towards your comfort level at that retirement age. Does that make sense? Yep. Yep. Yep.","start_word":10139,"end_word":10362,"sentiment":"neutral","sentiment_score":0.16182006895542145},{"text":"Beautiful.","start_word":10363,"end_word":10363,"sentiment":"positive","sentiment_score":0.3580128848552704},{"text":"Are you both fairly comfortable looking at the growth portfolio? You're welcome to let me know if you're not. You're welcome to No. ask any additional questions if you Like, have now we're happy for it to to grow and them. grow it as much as we can. Yep. That's okay. You're comfortable in that environment there, Lisa, still? Yeah. Yep. Yep.","start_word":10364,"end_word":10425,"sentiment":"neutral","sentiment_score":0.094509556889534},{"text":"Beautiful. All good.","start_word":10426,"end_word":10428,"sentiment":"positive","sentiment_score":0.4868086874485016},{"text":"Hub 24 just timed out on me, so I'm just gonna redo that portfolio for for you so that that hopefully it loads. Here we go. This one loaded faster. Alright. So having a look at things, since we did make the changes that Scott looking at the last three months, your Yep.","start_word":10429,"end_word":10481,"sentiment":"neutral","sentiment_score":0.21359269320964813},{"text":"portfolio wow. Your portfolio has made a return of 7.50% after fees. That's cool.","start_word":10482,"end_word":10495,"sentiment":"positive","sentiment_score":0.5965003967285156},{"text":"Yep. That is in Off three expenses. months. Yeah. Yeah. That essentially shows so when we look at the Yep. the Yep. returns, we're looking at growth plus income, and it's generated growth plus income in the last three months of 50,523. So it is a good return.","start_word":10496,"end_word":10543,"sentiment":"neutral","sentiment_score":0.23654785752296448},{"text":"Yes. Cool. Imagine Good what to I'll do see.","start_word":10544,"end_word":10552,"sentiment":"positive","sentiment_score":0.3702089488506317},{"text":"for Good you. Yeah. yeah. And, look, honestly, I don't expect us to do that every year. Yeah. We made Yep. the changes in the portfolio. That's had a really good effect, and I'm pretty stunned that that return is in a three month period. Normally, in a three month period, you don't see more than, say, one, two, or maybe 3%. But Yep. as your balance increases, smaller changes to your portfolio make bigger bigger returns, and smaller changes have a bigger effect on your super.","start_word":10553,"end_word":10639,"sentiment":"neutral","sentiment_score":0.0937926322221756},{"text":"So that is a really great change. Really happy with that, and it does show you the newer portfolio is working better for you as well. So that Cool. is really good. Yeah. Excellent. All good.","start_word":10640,"end_word":10675,"sentiment":"positive","sentiment_score":0.5968765616416931},{"text":"So just to kind of reiterate around the advice scenario, we're scoping in and looking at super for you both, making sure that's got your super and the portfolio is working forward well, It's looking just at looking your like new it is. current yeah. Looking at your new current income. And are you still wanting me to factor in additional contributions if Yes. they need Yep. to be made to cover? Yep. I'll Cool. I'll yeah. I'll make whatever the maximum you can use, Yep. I think, every year. So that way, it Yep. doesn't my that way cutting back half time doesn't really affect the super Awesome. Yep. Is what I Hasn't Yep. it? Lovely. Yeah. Yep. That's okay. Did you want me to include that as, say, salary sacrifice, or did you wanna sort of hold off until the end of the financial year and do it as a lump sum? What would you What's sort the of what what what's are you comfortable what's easier? with? What's Honestly, better? salary sacrifice works out better because you're putting more more amounts in on a regular In more basis. often. Yep. That's Correct. true. Yep. And then That's you dollar yep. cost averaging.","start_word":10676,"end_word":10880,"sentiment":"neutral","sentiment_score":0.07671274984391724},{"text":"That provides a much greater effect long term.","start_word":10881,"end_word":10888,"sentiment":"positive","sentiment_score":0.412301629781723},{"text":"If you're comfortable with that, that's what Yep. we'll look at for you. Yep. Yep. Because that way, then when I Beautiful. get on my bench, when I get on my bank, that's sort of Yeah.","start_word":10889,"end_word":10924,"sentiment":"neutral","sentiment_score":0.16619397699832916},{"text":"good. Absolutely. Fantastic.","start_word":10925,"end_word":10927,"sentiment":"positive","sentiment_score":0.5970498323440552},{"text":"I'll assess what you have to cover the cap. I do sometimes, depending on discrepancies with income, I do tend to maybe leave, like, a 1 or $2,000 Yep. gap depending So you don't on go what over? it is. Correct. Yep. But I'll just make sure that we sort of factor that in for you and show you what that looks like. Yep.","start_word":10928,"end_word":10991,"sentiment":"neutral","sentiment_score":0.08128014206886292},{"text":"Excellent.","start_word":10992,"end_word":10992,"sentiment":"positive","sentiment_score":0.46213945746421814},{"text":"Lisa, so with yours, again, looking at your super with your rider super, we'll definitely have to retain the Qsu, but I'll factor that into the advice there for you the same as I did last time. Yep. Last time, we did look at the SMA. I might even just look at that again if that's okay for the investments, but I'll also look at the same sort of investment portfolio that Scott is in because that Yeah. might actually provide a greater benefit to you. Are you comfortable with that? Yeah. That's fine. Yep.","start_word":10993,"end_word":11087,"sentiment":"neutral","sentiment_score":0.18361249566078183},{"text":"Beautiful.","start_word":11088,"end_word":11088,"sentiment":"positive","sentiment_score":0.4686617851257324},{"text":"And you want me to look at your income to determine if you're able to drop back to 50% hours as well, cover Yeah. expenses for the two of you, and also look at whether you're able to then cover contribution gaps Yep. and build super towards your time. Am I on the right track? Do I have that correct? Yes. Yes. Yep. So pretty much to be in the same position as Scott. So yeah. Yep. Yes. Salary Yep. sacrificing as well and making sure we can still live. Yep. It's not all And still whip her live. and make her work till she's 50.","start_word":11089,"end_word":11194,"sentiment":"neutral","sentiment_score":0.10470182033923436},{"text":"I love that. I love it.","start_word":11195,"end_word":11200,"sentiment":"positive","sentiment_score":0.6464196443557739},{"text":"No. All good.","start_word":11201,"end_word":11203,"sentiment":"neutral","sentiment_score":0.19025246798992157},{"text":"Excellent.","start_word":11204,"end_word":11204,"sentiment":"positive","sentiment_score":0.3495015501976013},{"text":"With the insurance side of things, Scott, I'll look at yours, what you have now, look at your income protection, factor into your income, and work out whether we need to reduce the rate so that you have the maximum benefit, that you're not over insured and not overpaying for the income protection side of things. Yep. I'll also look at the life and TBD, look at halving the level and also canceling, look at what that does projected outcome as well as, cost of your insurances, and look at Yep. whether we can just reduce the half or get rid of completely. But, realistically, if anything was to happen, goal wise insurances, you're both just wanting to make sure any debts that you have that's factoring in the 100,000 taken off the loan for the purchase of the motor home as well as your current vehicle loans is covered, and then funds are provided to your to your spouse as a benefit. Is that right? Am I on the track? Did you wanna add anything to that goal at all? No. That's good. Nope. That's okay.","start_word":11205,"end_word":11391,"sentiment":"neutral","sentiment_score":0.05815674364566803},{"text":"Excellent. Beautiful.","start_word":11392,"end_word":11393,"sentiment":"positive","sentiment_score":0.4210337698459625},{"text":"We're not looking at trauma. And, Lisa, for your insurance, as you're happy with the amount you have in Brighter Super, just looking at trying to transfer that over where possible, and then also just making sure everything's projected forward. Your super is correct. Link everything in the back end to lower fees as much as possible as well and retain your q super. You'd happy to retain your income protection with your employer there as well, and no trauma for each of you. Does that sound right? Yep. Yes. Yep.","start_word":11394,"end_word":11484,"sentiment":"neutral","sentiment_score":0.22638066112995148},{"text":"Beautiful. Fantastic. We're happy to stay in a growth portfolio environment for the time being, looking at the best way to move things forward, salary sacrifice for both of you there, and then beneficiaries, making sure that everything is directed to each other in the event of passing prematurely.","start_word":11485,"end_word":11533,"sentiment":"positive","sentiment_score":0.3787733316421509},{"text":"Is that correct? Yep. Yep. Yep.","start_word":11534,"end_word":11539,"sentiment":"neutral","sentiment_score":0.13291892409324646},{"text":"Beautiful. Excellent.","start_word":11540,"end_word":11541,"sentiment":"positive","sentiment_score":0.4651564359664917},{"text":"Is there anything else that I might have missed that you might want me to factor in for you?","start_word":11542,"end_word":11560,"sentiment":"neutral","sentiment_score":0.021975325420498848},{"text":"The only other thing is the super for me, brighter super is still under Lisa Bergen.","start_word":11561,"end_word":11576,"sentiment":"positive","sentiment_score":0.33471331000328064},{"text":"Okay. We'll need to update that for you. Then Easy. Not a problem at all. What we will do is I'll factor that into the device. We'll have your name updated. It's not a problem Yep. at all. As Yep. part of the implementation process, we'll just get a copy of your marriage certificate. We'll do the ID side of things, and we'll get the forms sorted and over to them so we can help you change the name prior to, transferring any funds over to hub twenty four, but we can help you with that process. That's not a problem at all. Okay?","start_word":11577,"end_word":11680,"sentiment":"neutral","sentiment_score":0.16657903790473938},{"text":"Cool. Sounds good. Excellent. And and, yeah, with with signing up, obviously, I'm I'm happy to go ahead with signing up.","start_word":11681,"end_word":11701,"sentiment":"positive","sentiment_score":0.5155110359191895},{"text":"So whatever I need to do to Yep. do that, just just let me know and I'll sign whatever Yep. needs to be signed. Abs absolutely all good. Just with the fee structure now, it is exactly implementation Yep. fee for yourself, Lisa, was $4.09 $5.00. That is deducted out of your super at the initial role over there. Scott, you're already a client, so there's no implementation fee for your side of the advice. Yep. And then the ongoing service fee for the first year is 1.10%. We obviously do reviews with you and then, you know, go through the fee structure each year. If there's any changes down the track, I'll talk you through that before we agree to anything. But it's 1.10 for you as the couple fee currently. And then once you come on board, Scott also gets reduced from the 1.65. Does that make sense? Do you have any questions currently? Nope. It's good.","start_word":11702,"end_word":11860,"sentiment":"neutral","sentiment_score":0.12474824488162994},{"text":"All good.","start_word":11861,"end_word":11862,"sentiment":"positive","sentiment_score":0.3643317222595215},{"text":"No.","start_word":11863,"end_word":11863,"sentiment":"neutral","sentiment_score":0.19045153260231015},{"text":"Fantastic. Excellent.","start_word":11864,"end_word":11865,"sentiment":"positive","sentiment_score":0.38123619556427},{"text":"And what I'll do is I'll get Maddie to update Yeah. to go What in do you and slip? help me with the the ID side of things. Yep. We'll Yep. get that link. She might just need to call you to get the information from your Lisa for the ID link to send out, but we'll try and work on that hopefully tomorrow. And I'll see No if worries. Maddie can give you a hand with that one. We'll see if we can log in to it okay. Yep.","start_word":11866,"end_word":11955,"sentiment":"neutral","sentiment_score":0.05014533367421892},{"text":"All good. Excellent.","start_word":11956,"end_word":11958,"sentiment":"positive","sentiment_score":0.5866563320159912},{"text":"Is there any additional questions or anything that you guys think I might have missed or anything else that you need to bring up or any questions No. that have come out of any of that? No. That works good.","start_word":11959,"end_word":11998,"sentiment":"neutral","sentiment_score":0.08831661939620972},{"text":"Pretty good. Keeping up. Fantastic.","start_word":11999,"end_word":12003,"sentiment":"positive","sentiment_score":0.4446013867855072},{"text":"And what I'll do is I'll also just send you an email. If you can send me, Lisa, a copy of your super statements for your Brighter Super, your QSuper showing the balances, and also the insurances for Brighter Super. And if I can get both of you just to send me a copy of your most recent payslip as well, I just need all Okay. of that to be able to go forward and do the research and just double check all the figures and make sure everything marries up for you both. Okay? Okay. So my payslip, do you want the latest one I've currently got, or I gotta go to work and send so I'll come back at work for a fortnight, Okay. probably. So do you want the the latest latest one? Or I've got one from a I think it's I think it's the same. I think it's the same. Same pay, same It they're both exactly the same. Just the most recent one you've got will be you've absolutely got yeah. fine. Cool. Yes. Yeah. Because Don't That want shows you it to shows have to go my in and yeah. yeah. And it shows manual salary and and yeah. And and, Yep. yeah, what what my take home is each week and all that. Yep. Yeah.","start_word":12004,"end_word":12226,"sentiment":"neutral","sentiment_score":0.05988077074289322},{"text":"Beautiful. That's absolutely perfect. I'll send the absolutely perfect.","start_word":12227,"end_word":12235,"sentiment":"positive","sentiment_score":0.5120221376419067},{"text":"I'll send the email now so you can shoot those back whenever you got a second. We'll get cracking on the research there for you. I do kind of expect it to take me about four weeks That's to fine. complete the research correctly.","start_word":12236,"end_word":12279,"sentiment":"neutral","sentiment_score":0.18775565515864975},{"text":"I'd love to book you both in now so we have that time slot set.","start_word":12280,"end_word":12294,"sentiment":"positive","sentiment_score":0.6817577481269836},{"text":"So in four weeks, we are at oh, yep. Alright. August already, nearly. One, two, three, four. That brings us to the first week of September. I am fully open that week. What day would suit you both to go through the advice piece together? Any day, yeah, I'm fine. Free too. So In the afternoons. Yep. Any any afternoon? I actually work late till 7PM on a Thursday. Would you like me to book it for then? Yep.","start_word":12295,"end_word":12373,"sentiment":"neutral","sentiment_score":0.16598284244537354},{"text":"Sounds good.","start_word":12374,"end_word":12375,"sentiment":"positive","sentiment_score":0.3378450870513916},{"text":"Yep. Sounds Yep.","start_word":12376,"end_word":12378,"sentiment":"neutral","sentiment_score":0.20981131494045255},{"text":"good. Beautiful.","start_word":12379,"end_word":12380,"sentiment":"positive","sentiment_score":0.45299822092056274},{"text":"And would you prefer four, 04:30, 05:00, 05:30? What time suits you best in the afternoon to go through it together? Maybe five. Yeah.","start_word":12381,"end_word":12404,"sentiment":"neutral","sentiment_score":0.069678895175457},{"text":"Good. Five 05:00 would be great. Yep. Absolutely. Fantastic. So I'll book it in for 5PM there for you. That is Thursday, September 3, and I will make sure everything is up to date and completed by then.","start_word":12405,"end_word":12442,"sentiment":"positive","sentiment_score":0.4630955457687378},{"text":"The only other thing, just to sort of reconfirm for you, Lisa, is just the pre assessment that we did. Just need to run through a couple of questions with regards to transfer terms as the cover just to make sure that we've done all of that correctly research wise. And before I do go through those questions, I have to read you a It's gonna get turned out quickly. Sorry, guys. I'm nearly done. I promise. So alright. So I've got the pre assessment questions here in front of you. I just gotta read the duty of disclosure. So just because these questions will also factor into the application side of things. I know Maddie would have gone through them with you last time, but this is just sort of updating to make sure there's no changes to your circumstances there. But with the Yep. duty of disclosure and reasonable care. So it says when applying for insurance, it is important that you answer the following questions. To the best of your knowledge, as the applicant, you have a legal duty to take reasonable care not to make a misrepresentation to the insurer before the contract of insurance is entered into. If this duty is not met, it can have a serious impact on your insurances such as your policy may be voided, or the terms of your contract may be changed, declined, or the benefit reduced. More information about the duty to take reasonable care can be found in the product disclosure statement, which I will provide with the advice document for you. I can also attach to the email shortly if you'd like a copy prior. Do you understand your duty of reasonable care? Yes. Yep. Beautiful. And privacy policy, when we get to the application side, do you consent to us providing your and collecting your personal information for the use of applying for insurances or transferring insurances in accordance with the insurance privacy policy? Yep. Yep. Beautiful.","start_word":12443,"end_word":12774,"sentiment":"neutral","sentiment_score":-0.0003745874210474003},{"text":"Excellent.","start_word":12775,"end_word":12775,"sentiment":"positive","sentiment_score":0.34499114751815796},{"text":"Now the questions for this are nice and simple ones. It says, are you currently off work or unable to perform your normal full time duties of your occupation on a full time basis? So no No. your normal duties. No. Beautiful. Excellent. The next one here is, have you in the last twelve months been absent from work or unable to perform your duties of your usual occupation or been unable to perform any domestic duties, anything other than being off work for, say, six days with a cold or a No. flu? No. Fantastic. The next one here says, have you been diagnosed with or do you suffer from an illness that may cause inability to work, or have you been diagnosed with a terminal illness? No. No. Fantastic. Have you ever had an insurance application for death, death and TBD, terminal illness, or income protection, or accident and sickness ever refused? Nope. No. Fantastic. Have you ever been paid, or are you eligible to be paid, or are you currently in the process of submitting a claim for any illness or injury through the workers' compensation fund, government benefits, or any insurance policy providing terminal illness, TBD, income protection, or accident or sickness cover? No. No. It's beautiful. And have you ever had an insurance application for death death and total permanent disability, income protection, terminal illness cover modified or offered on nonstandard terms. No. No. Beautiful. Thank you so much for that. So sorry. Those are very wordy. They're small questions, That's but they're okay.","start_word":12776,"end_word":13034,"sentiment":"neutral","sentiment_score":-0.06241825222969055},{"text":"very wordy. My answers are the same as when I did the pre assessment, so I love it. Thank you so much for that. That's nothing the only part changed. of the pre assess beautiful. That's the only part of the pre assessment we need to essentially look at for you. Cool.","start_word":13035,"end_word":13086,"sentiment":"positive","sentiment_score":0.529082715511322},{"text":"Now I'm just confirming. So you currently work a thirty eight hour week. If we drop that to half, you'd be working about nineteen hours per week.","start_word":13087,"end_word":13113,"sentiment":"neutral","sentiment_score":0.14293456077575684},{"text":"Beautiful.","start_word":13114,"end_word":13114,"sentiment":"positive","sentiment_score":0.6953444480895996},{"text":"That's the only other thing I'll double check with the insurer and the terms is making sure that that many hours is fine. It shouldn't be a problem because it's only life and TPD that we're transferring. It doesn't have income protection effects, so that's okay. That is honestly everything I need at the moment. If I do have any additional questions, I will make sure I contact you.","start_word":13115,"end_word":13183,"sentiment":"neutral","sentiment_score":0.1641809344291687},{"text":"But thank you so much for your time.","start_word":13184,"end_word":13191,"sentiment":"positive","sentiment_score":0.5834545493125916},{"text":"I'm sorry. It's been a long call. Just want to make sure we touch on everything for you guys, and I'll get this advice document ready. I'll send you the email shortly, and Maddie will follow-up there with the the ID checks for you both. Okay?","start_word":13192,"end_word":13237,"sentiment":"neutral","sentiment_score":0.08222303539514542},{"text":"Awesome. Cool. Easy. Thank you so much. I'll let you go to enjoy your dinner.","start_word":13238,"end_word":13252,"sentiment":"positive","sentiment_score":0.6957889199256897},{"text":"Sorry Alright. about the I time.","start_word":13253,"end_word":13258,"sentiment":"neutral","sentiment_score":0.05161824449896813},{"text":"Thank you so much for your time. I really appreciate it. Have a good night. Thank you.","start_word":13259,"end_word":13275,"sentiment":"positive","sentiment_score":0.6996085047721863},{"text":"Yeah. Yeah. Bye. See you later. Bye.","start_word":13276,"end_word":13282,"sentiment":"neutral","sentiment_score":0.21443957090377808}],"average":{"sentiment":"neutral","sentiment_score":0.08174825482431938}}}}