{"metadata":{"transaction_key":"deprecated","request_id":"01a0fa44-752f-73e2-b653-aff33bf937e7","sha256":"46809149d065c8e6c933734783db09656f0b78c9ed66d77d3e47757f1761b2f2","created":"2026-10-02T01:39:48.993Z","duration":2076.192,"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":5880,"output_tokens":110},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6533,"output_tokens":6546},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6533,"output_tokens":602}},"results":{"channels":[{"alternatives":[{"transcript":"Hey, Maddie. Fantastic. Thank you so much. Yeah. Has she been ID'd? That's okay. Yep. Okay. Beautiful. Thanks. Hi, Kat. It's Jenna here. How are you? That's absolutely fine. That's absolutely fine. How are you doing today? Yeah. It is difficult. It is, isn't it? Just before I go any further, I do need to let you know that our calls are recorded for coaching and quality purposes. Is that okay? And I am sorry, but I do need to get you to confirm your full name, date of birth, and address again, please. Fantastic. Thank you so much for that. And you have some time now to go through the statement of advice? Fantastic. I'm going to send you an email. It's gonna come through from Odoo Sign, and it will say Jenna. When you open that email, if you just... It's... It will say click here to sign or sign here to click. I mean, you know what I mean. It's Friday. And you're not signing anything at the moment. It's just gonna navigate you to the advice document that we're gonna talk through. So if you let me know when you have that open, I will be able to begin. It might take a I have sent it. It might take it a little bit to come through. Just... It is a rather large document, so, hopefully, it will be with you momentarily. Yep. So the first document you should have is a statement of advice. So we're just gonna talk through that. So this is where all the advice is contained. So the the cover page itself is... Explains that the advice is prepared for you. It's prepared by me, and I'm authorized by Oakview Financial to provide this advice. Then the next page covers off our best interest duty. So what this states is that we need to identify a client's financial situation, your needs, assess whether any advice provided is in your best interest, conduct diligent investigation to make sure any advice is relevant to your circumstances. Following that is a table of contents, and then the next page is the scope of advice. So that's where we talked about your goals, and this is gonna outline what is covered in this advice document. So we will be reviewing your superannuation, and your goal is to be debt free and have sufficient income to support your lifestyle of 3,500 per week throughout retirement. So we're gonna look at reviewing your super to help you work towards that goal. We've looked at the $25 a week you do after you get your pay into super and recommended to set this up as salary sacrifice arrangement instead so that what we'll be talking through. We're also gonna look at your insurances. We've made some recommendations surrounding that, and that your beneficiary nominations within your super and any insurance is in place for your daughter as well as establishing a will and power of attorney. The goals that aren't included in this advice is your budget and savings goal where you're you're saving a $100 per fortnight, at your debt goals of consolidating debt if you could. So that would be covered externally outside of our advice if you decided to go along with that... With the broker details that we shared with you and along with investment. So you did mention you wanted to consider an investment account for your daughter down the track, but not at this point. And also, again, property. So that's not addressed in... The purchase of property isn't addressed in this advice document either. Does that make sense? Yeah. The next page is our limited of advice. So it... The advice is based on the information you've provided to us. So if anything isn't provided, the advice could not be accurate. It also lets you know that I'm not a lawyer, so I can't help you draft wills or powers of attorney. And... Yep. And that I'm also... Cannot provide advice in regards to general insurance products. I am able to provide tax advice relevant to financial advice only, but not tax returns or any of those types of matters. The next couple of pages are the about you section. So this is where we completed in our initial meetings your information. So dates of birth, income, occupation, savings, your assets and liabilities, as well as your current super with Hester and the life insurance and income protection you hold in Hester. Has any of that changed, do you think? Lovely. In our meetings, we completed a risk profile. So that was to ascertain your comfort levels to risk, and it came out as... You came out as a high growth in Vista, which means that 90% of your assets are allocated to growth with 10% approximately to defensive. So are you still comfortable with that based on our previous conversation? Fantastic. The next couple of pages is where the real detail is in regards to the advice. So the first part is that we're recommending you roll over your HESTA superannuation fund into a new hub 24 platform superannuation fund. This this will be done over probably two phases, and I'll I'll dig a little bit deeper as to why. We've recommended establishing hub and investing in our high growth zero point five portfolio, which I'll discuss the investments in a little bit. The reason being is that Hester holds exposure to unlisted assets such as property and infrastructure. Unlisted assets are typically valued infrequently rather than daily, which does restrict the pricing transparency. So, for example, if they hold an investment in a property unlisted fund, that may be valued monthly or quarterly. So, having a fully liquid and daily unitized or priced fund does provide a lot more transparency. The downsides are that the hub twenty four will cost you proper... Approximately an extra 50 $8 per... You're absolutely fine. It's gonna cost approximately $58 per annum more in administration fees, but you will have enhanced diversification and a lot more investment flexibility within that fund. When you roll over or sell out of a superannuation fund, there's always capital gains tax that's incurred within the fund depending on gross or losses. When we roll out of our industry funds such as HESTA, we're not able to find out what that capital gains tax could be, whether it's positive or negative just because of the way funds are invested in industry funds. So your money is invested in what's called a pooled tax structure. So rather than owning individual investments, you'll... You own a share of those investments. So what happens when you roll out is the super... The industry superannuation fund will apply whatever capital gains is applicable, but we're not able to detail what that actually is. So that's just something to be aware of. How we will do... How we recommend it occur is that we will roll over partially most of your HESTA superannuation with 10,000 being retained in HESTA until we're able to transfer over your existing insurance policies within HESTA. Once those insurance policies are transferred over, we'll then do a full rollover of the remaining funds closing the HESTA funds. The outcomes are that investment fee wise, the HUB24 portfolio is less. So your investment management fees, but the admin fees are higher, which I'll talk you through shot... Shortly. The disadvantages is, as I mentioned, the higher administration fees of $58 per annum. We will apply an ongoing adviser fee, which I will talk you through as well, later on in the document. And that the recommended portfolio that I'm making a recommendation does have a higher allocation to growth assets, which does expose you to more market volatility and fluctuations over time. It does. So compared to your HESTA, it is... Let me get that exact figure. It's a little bit further in the document, but while we're here, I'll discuss it. So your current portfolio with HESTA has about 66% exposure to growth assets, which which doesn't really fit with your high growth investment approach and and 34% in defensive assets. Our portfolio is recommending approximately 94% in growth assets with about 6% in defensive assets. So sitting towards more that high growth investment option. Does that make sense? Lovely. I did consider some... I did consider retaining your HESTA fund and investing it in a high growth option. Basically, I decided against that because you... Again, you will be exposed to those unlisted style assets, and you you are limited in your investment options. So they're pooled type investments, and you are limited. So that's why I decided against HESTA. And I also considered another platform called MyNorth as an alternative. The reason why I didn't proceed with them is that their brokerage fees... So when you... When the fund trades to buy or sell funds depending on your contributions, their fees are higher than the recommended Hub 24. So that's the... All that wording area. If you scroll the wording, it's a concise... A condensed version of what's involved in that wording for the first strategy. If you scroll to the fee comparison section, this is where I'm gonna talk through a little bit more. Yep. So, overall, you'll see that it's the admin fees that are costing you more, approximately $244 or more with your adviser service fee and the insurance premiums. So when we look at that from a like from like basis, you are paying more to be in hub, and that includes the insurance premiums as well. So your insurance premiums actually will be cheaper, but you are gonna incur the adviser service fee, which increases the investments also... Or... Sorry. The fees also. On a five year rolling average, your current fund returns approximately 6.48%. In in the recommended fund that we are looking at, the five year average is 11.34%. What that means over the long term is as... You know, your lump sum in five years is gonna be 12... Projected out to be approximately $12,000 better off, and in ten years, forty one thousand dollars better off. So, again, they're just projections based on past performance, so they don't tell us and they're not an indication for future performance, but it gives us... It give... It it shows that you you shouldn't be... Well, not you shouldn't, but the balanced growth isn't gonna help you achieve your longer term goals. You do need to have some more exposure to your high growth. And then even when we look down further, the annualized returns with act... With a more diversified and more investment options, your portfolio is estimated to return more over the longer term. The investment options are displayed in a table. Can you see that? Have you scrolled to that section yet? Yep. Lovely. So the portfolio I'm recommending is that you'll have some cybersecurity exposure, which is what we call a satellite investment. So it sits around the core investment options, which are your iShares S and P 500 and the beta shares Australian 200. And all all the others are your satellites, so they sit around being your further diversification. So you've got some further diversification in cybersecurity, Europe, Japan, and the... All world excluding US with the iShares S and P being your US, a little bit of physical gold exposure, and the iShares core composite bond is your different... Your major defensive part of your portfolio. The portfolio is designed to give you different economy diversification, so being Europe, Japan, and all world, which gives you the exposure to all the economies through a diversified manner. The asset allocation is the next page, and that's where I I referred to earlier with the the difference between the balance growth and the high growth approach. So you'll see existing is you're sitting at about 66 and then 34 for gross first assets. We're recommending a 94 to a 6% allocation just to be in line with that high growth investment portfolio, which will allow you the long term growth. And as we've discussed before, you you do... With your superannuation, legally, you're unable to access it until you're 60 years of all age based on today's legislation. So you do have time on your side again to take that higher risk. Any questions about that? No. We we definitely recommend. So there's... You're not needing to sign this today. We absolutely... I'm running through it to give you the the... Yeah. And then we definitely recommend you read through that. The next section is the sari sacrifice. So rather... And the only reason that we changed it to a sari sacrifice and after tax contributions is for efficiency on your behalf. You're you're not needing to set this up. Your employer will do it on your behalf. The taxable outcome is still the same as you'll see in that table. It's just that you're gonna do it via by two diff... By a different contribution method. Yes. Exactly. Yep. Yep. And it it... The only... The outcome and the benefits are the same of doing both. It's just that you won't have to do it yourself efficiency wise. It's there and it's set up. Yeah. Yep. Just... We've just recommended the same amount that you're currently doing so that there's no change to your personal cash flow impacts. Yeah. Yeah. It's much more easier, and you don't have to worry about it then. The next... And and the document there will go through... The the next couple of pages of that will go through the advantages and disadvantages. Again, they're the same as you're currently doing now. It's just a different type of... It's just a different way of making that contribution. The next part is where I'm gonna spend probably a fair a a decent amount of our time just to go through the insurances. I know we spoke previously, and we did the pre assessment in relation to the BMI and what insurance terms retail funds would provide. So what we've done is we've tried to be a little bit creative to get you as much cover as possible. So what we have recommended is when you apply when you apply for your cover with hub twenty four, there's a group insurance option that allows you to have $200,000 life insurance and $200,000 TPD insurance, which is the TPD you don't currently hold. And that premium's $8.03 a month. Now with group insurance, there's always the exclusion for preexisting conditions. So an example of that might be... What's something I can think of? If you had type one diabetes, for example, that would be excluded from being claimable on the life and TPD insurance under a group, which is the same as your cover within HESTA at the moment anyhow. So what we've recommended is that goes through no underwriting. So you're automatically... When the forms are ready and if you decide, you... We will automatically request that cover be put in place, and that will cost $8.03 per month. The next the next part is is that we're going to apply to transfer your existing life cover of a 134,990 over to Hub from HESTA. And, also, your income protection policy within HESTA that has been automatically applied, it's only for $1,000 a month. It does have a ninety day waiting period and a five year benefit period, but we believe some cover's better than none. And that... And when we transfer that over to hub twenty four, that's expected to cost you about $6.99 per month. So what it means overall is you're gonna have about 300,000... $303,334,990 dollars in life insurance, $200,000 in TPD insurance, and income protection with 100... With $1,000 per month and ninety day wait and a five year benefit period. So, again, they're all they're all group covers. So any preexisting conditions that you may have would be excluded from claim. So do you have any preexisting conditions that you could think of? Nope. Yeah. Yeah. Absolutely fine. So that's what we thought would be the the most cost effective approach. Now we did... In our in our time, we did talk about the levels of cover that you needed or that you wanted for your daughter, and that came out at sitting about a need for life insurance of about $940,000 as well as the same amount for TPD. Now we can't get you that level of TPD cover at the moment. The max we can do is that that group cover. We can look at applying for that $940,000 of retail cover for life insurance, but it will have a loading of between a 150 and a 175%. The retail insurers have declined TPD trauma and income protection in full, so we're unable to get you those covers through retail insurers. So what I've included in this document, once you have a read over it, is that we can apply for the the retail life insurance of $940,000. It does take up approximate... The cost of it would be equivalent to an estimated 10% of your annual super guarantee contribution, but it will provide you with that higher level of cover. So I have included it in there should you wish to do that for you to have a read over. But we also did talk about your desire for trauma insurance, which is we did a needs analysis of a $145,000. Unfortunately, until your weight... Like we discussed earlier, until your weight loss journey has completed, I can't obtain that cover on your behalf as well as the income protection at need of $4,783 per month. So you are gonna have a shortfall there in your income protection until where your BMI does reduce. Any questions? Because that's a lot of information I just downloaded on you. Okay. So, yeah, I just wanted to make sure that, like, with the insurance, there is definitely gonna be a shortfall in your needs. Like, you're not gonna be fully insured at this point in time with what you need. We we are restricted, unfortunately, due to the insurance companies, but what we've tried to do is get as much cover as possible without impacting your superannuation balance as much as possible. So have a read through it, and, yeah, it's it's all in there for you to ex... For you to understand and make a dis... An informed decision on that. The next part is just establishing a beneficiary nomination. So within Hub, make a non lapsing beneficiary nomination to your daughter. I've included some information in here about minor beneficiary death benefit considerations. So have a read through those. Yep. Just to make sure that you're happy with that, if any further considerations need to be made about estate planning and how that will work with your estate planning. And, additionally, the next the next two are for you to establish a will and power of attorney. Obviously, not having those in place means that you're in and out from a will perspective that your wishes may not be addressed as it would fall under a public trustee likely to make those decisions for you. And with the power of attorney, if anything was to happen to you while you're alive and you're unable to make decisions, there's no one nominated to do that on your behalf. The next section is our ongoing services. So it does explain to you what your fees cover. Again, the recommendation, the implementation of it, your regular reviews, and depending on the frequency of whether you want them to be annually or biannually. And also as your situation changes, it is we're here for anything for you to contact us and reach out. So we're we're abreast of what's going on. And if there's any changes that you need made, we can action those for you. So you're not limited... Basically, what I'm saying is is you're not limited to just your reviews. Yeah. Yeah. The next couple of pages is just important information. So the next step is you read through this and make an informed decision. If we need to have another meeting after you've had to read through it to go through any questions, absolutely fine. Approved product list is we've got an open APL, which means we can invest and recommend in whatever is approved by our licensee. Product disclosure statements, product disclosure information, which they're all attached to the email that you received as well. And then the next section is the fees. So this section is a clear outline of the fees being paid. So to implement this plan, the fee you can... You will incur is $1,825 from us, and we can... We will deduct that from your superannuation fund. And then the ongoing fee is set at 1.65% of your super balance. So annually, it is set for the next twelve months to be $979, and each twelve months that is then reviewed and reset. You sign off on a piece of paper confirming that you wanna continue, so it doesn't automatically roll over. Yeah. Following that is a a outline of our... Just a summary again of the costs and, additionally, how to implement our advice. So it's a step by step process of all the things that need to be done. The last page requires your signature. So when you've read it, you've asked any questions, you're happy, whatever it is that you decide to do, you would sign that page and date it, and you'll note that there's a spare box above. If there was an air... If there was something you did not wish to proceed with, that's where you'd type it. So, for example, if you decided you didn't want to nominate your daughter as your beneficiary, you wanted it to pay your estate instead, that's where you'd type it. So any changes to the advice. And the last... Yeah. And the last page is my advice declaration. So just explaining that it's accurate. I am authorized, all those sorts of things. And the last document that I... Sorry? The last one is just the appendix to the statement of advice. So just to run over this one quickly, table of contents. The first the first page is the risk profile, so it shows the different types of risk profiles that we act by. So you'll see your high growth one is there on the second last left hand side... Right hand side of the column, and then important relationships and information. So probably one of the the most important sections of this is the currency of the SOA. So we need you to sign it if you wish to proceed within sixty days as... The reason being is people's situations can change in that time frame. So after sixty days, we just need to redo the process again. There's there's... Yep. There's no product guarantee, so we obviously can't, you know, say it's gonna be great forever. But that's the purpose of our reviews where we review regularly, make changes where required. There's also investment links to the recommended investment options. So if you have trouble sleeping, have a rate of those. And then and then we've had... We've completed a like for like for you. So if you stay with HESTA and go for a high growth option versus the recommended hub 24, what I've recommended high growth option, it just gives you the difference there. So, again, it's still gonna cost you more in fees because of our advice fee, but it does tell you the difference. So lump sum difference in five years would be 5,000, and then in in ten years, 21,000 with rough figures. The last two pages, sorry, it it just explains the investment return methodology, how that's calculated, and then life and... How life insurance through superannuation works. So that's information there for you. Any questions? You are absolutely fine. And then also attached to that link, that email that we sent through was the product disclosure statements for hub twenty four and the group insurance as well as, again, our FSG. So have a read of the advice. Again, if you have any questions, please reach out. And did you want me to follow you up at any point in time? One week? Absolutely. And, again, any questions, please reach out. Thanks, Kat. I appreciate your time. Enjoy your weekend. Bye.","confidence":0.9980469,"words":[{"word":"hey","start":0.88,"end":1.12,"confidence":0.8979492,"punctuated_word":"Hey,","sentiment":"neutral","sentiment_score":0.059818826615810394},{"word":"maddie","start":1.12,"end":1.62,"confidence":0.93863934,"punctuated_word":"Maddie.","sentiment":"neutral","sentiment_score":0.059908222407102585},{"word":"fantastic","start":5.8399997,"end":6.3399997,"confidence":0.99853516,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7318698763847351},{"word":"thank","start":6.48,"end":6.64,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7453555464744568},{"word":"you","start":6.64,"end":6.8799996,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7519084215164185},{"word":"so","start":6.8799996,"end":7.04,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7390201091766357},{"word":"much","start":7.04,"end":7.54,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.7012148499488831},{"word":"yeah","start":10.96,"end":11.2,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.002069275826215744},{"word":"has","start":11.2,"end":11.36,"confidence":0.9819336,"punctuated_word":"Has","sentiment":"neutral","sentiment_score":-0.00712359044700861},{"word":"she","start":11.36,"end":11.5199995,"confidence":0.99902344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.0024754907935857773},{"word":"been","start":11.5199995,"end":11.92,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.008057257160544395},{"word":"id'd","start":11.92,"end":12.42,"confidence":0.8779297,"punctuated_word":"ID'd?","sentiment":"neutral","sentiment_score":-0.014857841655611992},{"word":"that's","start":15.04,"end":15.36,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.016253650188446045},{"word":"okay","start":15.36,"end":15.795,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.03638123348355293},{"word":"yep","start":16.355,"end":16.855,"confidence":0.79296875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.045170858502388},{"word":"okay","start":24.755001,"end":25.154999,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1661418080329895},{"word":"beautiful","start":25.154999,"end":25.654999,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.45984160900115967},{"word":"thanks","start":28.915,"end":29.415,"confidence":0.9995117,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.3365679979324341},{"word":"hi","start":30.369999,"end":30.689999,"confidence":0.9255371,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.17509102821350098},{"word":"kat","start":30.689999,"end":30.929998,"confidence":0.85498047,"punctuated_word":"Kat.","sentiment":"neutral","sentiment_score":0.20523801445961},{"word":"it's","start":30.929998,"end":31.25,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.19637078046798703},{"word":"jenna","start":31.25,"end":31.57,"confidence":0.8178711,"punctuated_word":"Jenna","sentiment":"neutral","sentiment_score":0.22271007299423215},{"word":"here","start":31.57,"end":31.81,"confidence":0.99609375,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.2273569107055664},{"word":"how","start":31.81,"end":32.05,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.1938772350549698},{"word":"are","start":32.05,"end":32.129997,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.17449107766151428},{"word":"you","start":32.129997,"end":32.629997,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.1899641454219818},{"word":"that's","start":37.89,"end":38.29,"confidence":0.9448242,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.02931212447583675},{"word":"absolutely","start":38.29,"end":38.79,"confidence":0.9980469,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.09920238703489304},{"word":"fine","start":38.93,"end":39.43,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.14811396598815918},{"word":"that's","start":40.29,"end":40.61,"confidence":0.96875,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.20184700191020968},{"word":"absolutely","start":40.61,"end":41.11,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.17602579295635223},{"word":"fine","start":41.25,"end":41.75,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1908280253410339},{"word":"how","start":41.809998,"end":42.05,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.195243239402771},{"word":"are","start":42.05,"end":42.129997,"confidence":0.8671875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16676713526248932},{"word":"you","start":42.129997,"end":42.29,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14846110343933103},{"word":"doing","start":42.29,"end":42.53,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.16335894167423248},{"word":"today","start":42.53,"end":43.03,"confidence":1.0,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.15535496175289154},{"word":"yeah","start":50.875,"end":51.195,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1485569179058075},{"word":"it","start":51.195,"end":51.355003,"confidence":0.9921875,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.18767262995243073},{"word":"is","start":51.355003,"end":51.595,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.19804313778877256},{"word":"difficult","start":51.595,"end":52.095,"confidence":0.99853516,"punctuated_word":"difficult.","sentiment":"neutral","sentiment_score":-0.19543544948101044},{"word":"it","start":52.155003,"end":52.395,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.11384890973567964},{"word":"is","start":52.395,"end":52.555,"confidence":0.8676758,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.11617720127105712},{"word":"isn't","start":52.555,"end":52.875,"confidence":0.9995117,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.08535880595445633},{"word":"it","start":52.875,"end":53.375,"confidence":0.9975586,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.08477415144443512},{"word":"just","start":55.760002,"end":56.0,"confidence":0.9902344,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.03299780189990997},{"word":"before","start":56.0,"end":56.32,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.03958495706319809},{"word":"i","start":56.32,"end":56.4,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04602728039026261},{"word":"go","start":56.4,"end":56.56,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.04381045699119568},{"word":"any","start":56.56,"end":56.72,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.032130591571331024},{"word":"further","start":56.72,"end":56.96,"confidence":0.9921875,"punctuated_word":"further,","sentiment":"neutral","sentiment_score":-0.03308241069316864},{"word":"i","start":56.96,"end":57.12,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.028737738728523254},{"word":"do","start":57.12,"end":57.28,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.028283899649977684},{"word":"need","start":57.28,"end":57.44,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.021151529625058178},{"word":"to","start":57.44,"end":57.52,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.022956566885113716},{"word":"let","start":57.52,"end":57.6,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.01898805052042007},{"word":"you","start":57.6,"end":57.760002,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014459595084190369},{"word":"know","start":57.760002,"end":57.920002,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.014419004321098328},{"word":"that","start":57.920002,"end":58.16,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01813257485628128},{"word":"our","start":58.16,"end":58.24,"confidence":0.9980469,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.019476523622870445},{"word":"calls","start":58.24,"end":58.64,"confidence":0.99902344,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":-0.014828603714704514},{"word":"are","start":58.64,"end":58.8,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.015579452738165855},{"word":"recorded","start":58.8,"end":59.28,"confidence":1.0,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":-0.01071738824248314},{"word":"for","start":59.28,"end":59.44,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02311715856194496},{"word":"coaching","start":59.44,"end":59.84,"confidence":1.0,"punctuated_word":"coaching","sentiment":"neutral","sentiment_score":-0.022015884518623352},{"word":"and","start":59.84,"end":59.92,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02286345511674881},{"word":"quality","start":59.92,"end":60.42,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":-0.02811237052083015},{"word":"purposes","start":60.48,"end":60.98,"confidence":0.9975586,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":-0.014978400431573393},{"word":"is","start":61.12,"end":61.28,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.006855839863419533},{"word":"that","start":61.28,"end":61.52,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.019215643405914307},{"word":"okay","start":61.52,"end":62.02,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.0030093491077423096},{"word":"and","start":64.08,"end":64.32,"confidence":0.9902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.014431709423661232},{"word":"i","start":64.32,"end":64.48,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0012138523161411283},{"word":"am","start":64.48,"end":64.64,"confidence":0.5864258,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.008342139422893524},{"word":"sorry","start":64.64,"end":64.96,"confidence":0.94506836,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.01686599664390087},{"word":"but","start":64.96,"end":65.12,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.013770662248134611},{"word":"i","start":65.12,"end":65.2,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.015286264941096306},{"word":"do","start":65.2,"end":65.44,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.011723808944225311},{"word":"need","start":65.44,"end":65.68,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.013365417718887327},{"word":"to","start":65.68,"end":66.0,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01440872997045517},{"word":"get","start":66.0,"end":66.16,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.019299330189824104},{"word":"you","start":66.16,"end":66.48,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005292812362313271},{"word":"to","start":66.48,"end":66.8,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0016418471932411194},{"word":"confirm","start":66.8,"end":67.12,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.002622947096824646},{"word":"your","start":67.12,"end":67.36,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.003929780796170235},{"word":"full","start":67.36,"end":67.520004,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.01617918163537979},{"word":"name","start":67.520004,"end":67.76,"confidence":0.9975586,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.0045723626390099525},{"word":"date","start":67.76,"end":68.0,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.011748604476451874},{"word":"of","start":68.0,"end":68.08,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0011446885764598846},{"word":"birth","start":68.08,"end":68.32,"confidence":0.9667969,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.0010460205376148224},{"word":"and","start":68.32,"end":68.56,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00023850053548812864},{"word":"address","start":68.56,"end":68.96,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":-0.004082076251506805},{"word":"again","start":68.96,"end":69.36,"confidence":0.99365234,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.005986310541629791},{"word":"please","start":69.36,"end":69.86,"confidence":0.94873047,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":-0.002671722322702408},{"word":"fantastic","start":79.545,"end":80.045,"confidence":0.9980469,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.3447566032409668},{"word":"thank","start":80.265,"end":80.505,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4253602921962738},{"word":"you","start":80.505,"end":80.825,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3872990906238556},{"word":"so","start":80.825,"end":81.065,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.36812546849250793},{"word":"much","start":81.065,"end":81.305,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4283154308795929},{"word":"for","start":81.305,"end":81.545,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.41314542293548584},{"word":"that","start":81.545,"end":81.96,"confidence":0.9885254,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.3632749319076538},{"word":"and","start":83.159996,"end":83.4,"confidence":0.9506836,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1795998364686966},{"word":"you","start":83.4,"end":83.56,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10108993202447893},{"word":"have","start":83.56,"end":83.799995,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11424016952514648},{"word":"some","start":83.799995,"end":84.04,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11191117018461227},{"word":"time","start":84.04,"end":84.36,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.13612061738967896},{"word":"now","start":84.36,"end":84.6,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.1334921568632126},{"word":"to","start":84.6,"end":84.76,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1240980699658394},{"word":"go","start":84.76,"end":85.0,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1343713104724884},{"word":"through","start":85.0,"end":85.24,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.18826450407505035},{"word":"the","start":85.24,"end":85.74,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15816721320152283},{"word":"statement","start":88.44,"end":88.92,"confidence":0.9658203,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.04547903314232826},{"word":"of","start":88.92,"end":89.159996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.040199436247348785},{"word":"advice","start":89.159996,"end":89.659996,"confidence":0.96728516,"punctuated_word":"advice?","sentiment":"neutral","sentiment_score":0.035853929817676544},{"word":"fantastic","start":92.68,"end":93.18,"confidence":0.9748535,"punctuated_word":"Fantastic.","sentiment":"neutral","sentiment_score":0.2819218337535858},{"word":"i'm","start":93.88,"end":94.2,"confidence":0.9921875,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1406874656677246},{"word":"going","start":94.2,"end":94.52,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.15350526571273804},{"word":"to","start":94.52,"end":94.759995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14610467851161957},{"word":"send","start":94.759995,"end":95.0,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.10822869092226028},{"word":"you","start":95.0,"end":95.32,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09346549957990646},{"word":"an","start":95.32,"end":95.56,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0921829491853714},{"word":"email","start":95.56,"end":96.06,"confidence":0.99658203,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.10015809535980225},{"word":"it's","start":97.08501,"end":97.245,"confidence":0.98535156,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.08715462684631348},{"word":"gonna","start":97.245,"end":97.565,"confidence":0.9951172,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09756404906511308},{"word":"come","start":97.565,"end":97.885,"confidence":0.9980469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.09250257164239883},{"word":"through","start":97.885,"end":98.285,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09216140955686568},{"word":"from","start":98.285,"end":98.785,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0954098105430603},{"word":"odoo","start":98.845,"end":99.345,"confidence":0.7241211,"punctuated_word":"Odoo","sentiment":"neutral","sentiment_score":0.12025080621242525},{"word":"sign","start":99.40501,"end":99.90501,"confidence":0.56518555,"punctuated_word":"Sign,","sentiment":"neutral","sentiment_score":0.1153123378753662},{"word":"and","start":101.245,"end":101.565,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12997093796730042},{"word":"it","start":101.565,"end":101.725006,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13858449459075928},{"word":"will","start":101.725006,"end":101.965004,"confidence":0.9951172,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12058820575475691},{"word":"say","start":101.965004,"end":102.205,"confidence":0.9980469,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.11949440836906432},{"word":"jenna","start":102.205,"end":102.705,"confidence":0.76782227,"punctuated_word":"Jenna.","sentiment":"neutral","sentiment_score":0.07072410732507706},{"word":"when","start":103.245,"end":103.485,"confidence":0.9892578,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.0482131689786911},{"word":"you","start":103.485,"end":103.725006,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04936283826828003},{"word":"open","start":103.725006,"end":104.045006,"confidence":0.9941406,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.035004518926143646},{"word":"that","start":104.045006,"end":104.44501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05575059354305267},{"word":"email","start":104.44501,"end":104.94501,"confidence":0.9909668,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.042980391532182693},{"word":"if","start":105.885,"end":106.125,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03746806085109711},{"word":"you","start":106.125,"end":106.44501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0317588672041893},{"word":"just","start":106.44501,"end":106.94501,"confidence":0.99902344,"punctuated_word":"just...","sentiment":"neutral","sentiment_score":0.02072816528379917},{"word":"it's","start":109.81,"end":110.21,"confidence":0.9711914,"punctuated_word":"It's...","sentiment":"neutral","sentiment_score":-0.004946619737893343},{"word":"it","start":110.21,"end":110.29,"confidence":0.9980469,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.015391962602734566},{"word":"will","start":110.29,"end":110.61,"confidence":0.984375,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.01237698458135128},{"word":"say","start":110.61,"end":111.11,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.007346794009208679},{"word":"click","start":111.17,"end":111.49,"confidence":0.7138672,"punctuated_word":"click","sentiment":"neutral","sentiment_score":-0.007672209292650223},{"word":"here","start":111.49,"end":111.73,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.011451594531536102},{"word":"to","start":111.73,"end":111.89,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01998706161975861},{"word":"sign","start":111.89,"end":112.21,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.0212099552154541},{"word":"or","start":112.21,"end":112.45,"confidence":0.96875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.014172449707984924},{"word":"sign","start":112.45,"end":112.69,"confidence":0.99902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.015520527958869934},{"word":"here","start":112.69,"end":112.93,"confidence":0.9980469,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.0035857390612363815},{"word":"to","start":112.93,"end":113.09,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.008728345856070518},{"word":"click","start":113.09,"end":113.59,"confidence":0.982666,"punctuated_word":"click.","sentiment":"neutral","sentiment_score":-0.005562487989664078},{"word":"i","start":114.13,"end":114.21,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.027682775631546978},{"word":"mean","start":114.21,"end":114.71,"confidence":0.86938477,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.029177935793995857},{"word":"you","start":115.33,"end":115.49,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.044400401413440704},{"word":"know","start":115.49,"end":115.65,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.04418542608618736},{"word":"what","start":115.65,"end":115.81,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03584981709718704},{"word":"i","start":115.81,"end":115.89,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04778946191072464},{"word":"mean","start":115.89,"end":116.39,"confidence":0.779541,"punctuated_word":"mean.","sentiment":"neutral","sentiment_score":-0.04241003096103668},{"word":"it's","start":116.45,"end":116.69,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.06014537438750267},{"word":"friday","start":116.69,"end":117.19,"confidence":0.7807617,"punctuated_word":"Friday.","sentiment":"neutral","sentiment_score":-0.053128212690353394},{"word":"and","start":117.25,"end":117.75,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05925840139389038},{"word":"you're","start":117.81,"end":118.13,"confidence":0.9577637,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.07985255122184753},{"word":"not","start":118.13,"end":118.37,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07626765966415405},{"word":"signing","start":118.37,"end":118.61,"confidence":1.0,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":-0.09992929548025133},{"word":"anything","start":118.61,"end":118.93,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.11281075328588486},{"word":"at","start":118.93,"end":119.09,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13558679819107056},{"word":"the","start":119.09,"end":119.25,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11395226418972015},{"word":"moment","start":119.25,"end":119.49,"confidence":0.9145508,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.12423504143953323},{"word":"it's","start":119.49,"end":119.73,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.02172863483428955},{"word":"just","start":119.73,"end":119.97,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.00514645129442215},{"word":"gonna","start":119.97,"end":120.21,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0010557100176811218},{"word":"navigate","start":120.21,"end":120.69,"confidence":1.0,"punctuated_word":"navigate","sentiment":"neutral","sentiment_score":-0.0014643594622612},{"word":"you","start":120.69,"end":120.85,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007119283080101013},{"word":"to","start":120.85,"end":121.01,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.024034976959228516},{"word":"the","start":121.01,"end":121.17,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013470727950334547},{"word":"advice","start":121.17,"end":121.57,"confidence":0.9633789,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.0018260180950164795},{"word":"document","start":121.57,"end":121.97,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.005635913461446762},{"word":"that","start":121.97,"end":122.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007292568683624268},{"word":"we're","start":122.13,"end":122.37,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.005289170891046524},{"word":"gonna","start":122.37,"end":122.69,"confidence":0.9921875,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.010583030059933662},{"word":"talk","start":122.69,"end":122.93,"confidence":0.99609375,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.006623890250921249},{"word":"through","start":122.93,"end":123.43,"confidence":0.99853516,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.01329060085117817},{"word":"so","start":126.095,"end":126.335,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3017061650753021},{"word":"if","start":126.335,"end":126.495,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.30565160512924194},{"word":"you","start":126.495,"end":126.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2330510914325714},{"word":"let","start":126.655,"end":126.895004,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.22641482949256897},{"word":"me","start":126.895004,"end":127.055,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.23280511796474457},{"word":"know","start":127.055,"end":127.295006,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.16233700513839722},{"word":"when","start":127.295006,"end":127.455,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.15063950419425964},{"word":"you","start":127.455,"end":127.615005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16903823614120483},{"word":"have","start":127.615005,"end":127.855,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16593033075332642},{"word":"that","start":127.855,"end":128.175,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19451215863227844},{"word":"open","start":128.175,"end":128.675,"confidence":0.986084,"punctuated_word":"open,","sentiment":"neutral","sentiment_score":0.23384860157966617},{"word":"i","start":130.975,"end":131.13501,"confidence":0.7163086,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4016262888908386},{"word":"will","start":131.13501,"end":131.375,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3505333364009857},{"word":"be","start":131.375,"end":131.615,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4119893014431},{"word":"able","start":131.615,"end":132.015,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.35935747623443604},{"word":"to","start":132.015,"end":132.515,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.39285537600517273},{"word":"begin","start":133.215,"end":133.715,"confidence":0.99316406,"punctuated_word":"begin.","sentiment":"neutral","sentiment_score":0.33288878202438354},{"word":"it","start":139.535,"end":139.77501,"confidence":0.99316406,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1972540318965912},{"word":"might","start":139.77501,"end":139.935,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.2327617108821869},{"word":"take","start":139.935,"end":140.175,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.05992413312196731},{"word":"a","start":140.175,"end":140.4,"confidence":0.5307617,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0738292932510376},{"word":"i","start":140.79999,"end":140.95999,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07941702008247375},{"word":"have","start":140.95999,"end":141.28,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12050092220306396},{"word":"sent","start":141.28,"end":141.51999,"confidence":0.9941406,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.08460786193609238},{"word":"it","start":141.51999,"end":141.68,"confidence":0.99365234,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.13675473630428314},{"word":"it","start":141.68,"end":141.84,"confidence":0.9838867,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.03286227583885193},{"word":"might","start":141.84,"end":142.0,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.01868559420108795},{"word":"take","start":142.0,"end":142.15999,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.01920241117477417},{"word":"it","start":142.15999,"end":142.31999,"confidence":0.6586914,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1117626130580902},{"word":"a","start":142.31999,"end":142.48,"confidence":0.86035156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006351873278617859},{"word":"little","start":142.48,"end":142.72,"confidence":0.9970703,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.06070055067539215},{"word":"bit","start":142.72,"end":142.95999,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05660556256771088},{"word":"to","start":142.95999,"end":143.04,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05525173246860504},{"word":"come","start":143.04,"end":143.2,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.08316561579704285},{"word":"through","start":143.2,"end":143.51999,"confidence":0.723999,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.08246247470378876},{"word":"just","start":143.51999,"end":144.01999,"confidence":0.96875,"punctuated_word":"Just...","sentiment":"neutral","sentiment_score":-0.002808159217238426},{"word":"it","start":144.15999,"end":144.31999,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.013123735785484314},{"word":"is","start":144.31999,"end":144.56,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06268036365509033},{"word":"a","start":144.56,"end":144.79999,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.027354329824447632},{"word":"rather","start":144.79999,"end":145.2,"confidence":0.99902344,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.19848334789276123},{"word":"large","start":145.2,"end":145.7,"confidence":0.99902344,"punctuated_word":"large","sentiment":"neutral","sentiment_score":-0.16764232516288757},{"word":"document","start":147.43999,"end":147.93999,"confidence":0.7192383,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":-0.0804281085729599},{"word":"so","start":148.15999,"end":148.65999,"confidence":0.79052734,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.012524329125881197},{"word":"hopefully","start":149.2,"end":149.68,"confidence":0.9995117,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.13878485560417175},{"word":"it","start":149.68,"end":149.84,"confidence":0.94628906,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17757439613342285},{"word":"will","start":149.84,"end":150.0,"confidence":0.97314453,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.19333362579345703},{"word":"be","start":150.0,"end":150.15999,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2134312689304352},{"word":"with","start":150.15999,"end":150.4,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11348381638526917},{"word":"you","start":150.4,"end":150.79999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18615180253982544},{"word":"momentarily","start":150.79999,"end":151.29999,"confidence":0.9995117,"punctuated_word":"momentarily.","sentiment":"neutral","sentiment_score":0.17298156023025513},{"word":"yep","start":157.455,"end":157.955,"confidence":0.83496094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.29820716381073},{"word":"so","start":158.815,"end":159.315,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14981383085250854},{"word":"the","start":159.375,"end":159.61499,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1923739463090897},{"word":"first","start":159.61499,"end":159.935,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.12842288613319397},{"word":"document","start":159.935,"end":160.415,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.07594054937362671},{"word":"you","start":160.415,"end":160.655,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1132924184203148},{"word":"should","start":160.655,"end":160.815,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.12809374928474426},{"word":"have","start":160.815,"end":161.135,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12189828604459764},{"word":"is","start":161.135,"end":161.295,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09211812913417816},{"word":"a","start":161.295,"end":161.455,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14452576637268066},{"word":"statement","start":161.455,"end":161.935,"confidence":1.0,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.27052342891693115},{"word":"of","start":161.935,"end":162.17499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17838406562805176},{"word":"advice","start":162.17499,"end":162.67499,"confidence":0.95947266,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.09791013598442078},{"word":"so","start":165.375,"end":165.775,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06791825592517853},{"word":"we're","start":165.775,"end":166.015,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06890308111906052},{"word":"just","start":166.015,"end":166.17499,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0672980323433876},{"word":"gonna","start":166.17499,"end":166.495,"confidence":0.9838867,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07588551938533783},{"word":"talk","start":166.495,"end":166.655,"confidence":0.9980469,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.05044740438461304},{"word":"through","start":166.655,"end":166.89499,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08069181442260742},{"word":"that","start":166.89499,"end":167.055,"confidence":0.98950195,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.08069935441017151},{"word":"so","start":167.055,"end":167.215,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07621874660253525},{"word":"this","start":167.215,"end":167.455,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.11334872990846634},{"word":"is","start":167.455,"end":167.53499,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08019769191741943},{"word":"where","start":167.53499,"end":167.935,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.07145015150308609},{"word":"all","start":167.935,"end":168.17499,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1477154791355133},{"word":"the","start":168.17499,"end":168.33499,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11260566860437392},{"word":"advice","start":168.33499,"end":168.83499,"confidence":0.9980469,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.07601552456617355},{"word":"is","start":168.93,"end":169.40999,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1325312703847885},{"word":"contained","start":169.40999,"end":169.90999,"confidence":0.9970703,"punctuated_word":"contained.","sentiment":"neutral","sentiment_score":0.09685046225786208},{"word":"so","start":170.76999,"end":171.01,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.054946091026067734},{"word":"the","start":171.01,"end":171.51,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06484617292881012},{"word":"the","start":171.56999,"end":171.89,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04766688495874405},{"word":"cover","start":171.89,"end":172.20999,"confidence":0.9970703,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.04045750945806503},{"word":"page","start":172.20999,"end":172.68999,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.04425705969333649},{"word":"itself","start":172.68999,"end":173.18999,"confidence":0.99902344,"punctuated_word":"itself","sentiment":"neutral","sentiment_score":0.05007603392004967},{"word":"is","start":173.56999,"end":174.06999,"confidence":0.97802734,"punctuated_word":"is...","sentiment":"neutral","sentiment_score":0.02761290781199932},{"word":"explains","start":174.20999,"end":174.70999,"confidence":0.9980469,"punctuated_word":"Explains","sentiment":"neutral","sentiment_score":0.03446696698665619},{"word":"that","start":174.84999,"end":175.17,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1083533987402916},{"word":"the","start":175.17,"end":175.32999,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12848150730133057},{"word":"advice","start":175.32999,"end":175.73,"confidence":0.9707031,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.11048098653554916},{"word":"is","start":175.73,"end":175.96999,"confidence":0.9199219,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11969874799251556},{"word":"prepared","start":175.96999,"end":176.46999,"confidence":1.0,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":0.1639717072248459},{"word":"for","start":176.53,"end":176.68999,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23367226123809817},{"word":"you","start":176.68999,"end":177.18999,"confidence":0.9472656,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17601443827152252},{"word":"it's","start":177.48999,"end":177.89,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.16438233852386477},{"word":"prepared","start":177.89,"end":178.29,"confidence":1.0,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":0.14649292826652527},{"word":"by","start":178.29,"end":178.53,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.16810059547424316},{"word":"me","start":178.53,"end":178.68999,"confidence":0.8828125,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.1990304738283157},{"word":"and","start":178.68999,"end":178.84999,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1816200315952301},{"word":"i'm","start":178.84999,"end":179.17,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1877748668193817},{"word":"authorized","start":179.17,"end":179.67,"confidence":1.0,"punctuated_word":"authorized","sentiment":"neutral","sentiment_score":0.18860167264938352},{"word":"by","start":179.73,"end":180.04999,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.16940197348594666},{"word":"oakview","start":180.04999,"end":180.54999,"confidence":0.77856445,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.15885211527347565},{"word":"financial","start":180.68999,"end":181.18999,"confidence":0.9863281,"punctuated_word":"Financial","sentiment":"neutral","sentiment_score":0.13697388768196106},{"word":"to","start":181.25,"end":181.40999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15738847851753235},{"word":"provide","start":181.40999,"end":181.89,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.1524258852005005},{"word":"this","start":181.89,"end":182.12999,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.15297558903694153},{"word":"advice","start":182.12999,"end":182.62999,"confidence":0.9941406,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.10674785077571868},{"word":"then","start":183.99501,"end":184.49501,"confidence":0.5830078,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.044574007391929626},{"word":"the","start":184.55501,"end":184.715,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06339550018310547},{"word":"next","start":184.715,"end":185.115,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.02470095455646515},{"word":"page","start":185.115,"end":185.515,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":-0.023379065096378326},{"word":"covers","start":185.515,"end":185.835,"confidence":0.9951172,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":-0.00949455052614212},{"word":"off","start":185.835,"end":186.075,"confidence":0.7480469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.016920536756515503},{"word":"our","start":186.075,"end":186.235,"confidence":0.98095703,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.008697569370269775},{"word":"best","start":186.235,"end":186.55501,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.032196179032325745},{"word":"interest","start":186.55501,"end":186.955,"confidence":0.9536133,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.06262211501598358},{"word":"duty","start":186.955,"end":187.435,"confidence":0.68359375,"punctuated_word":"duty.","sentiment":"neutral","sentiment_score":0.00970708578824997},{"word":"so","start":187.435,"end":187.595,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0657423809170723},{"word":"what","start":187.595,"end":187.835,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07522695511579514},{"word":"this","start":187.835,"end":188.235,"confidence":0.9873047,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04668301343917847},{"word":"states","start":188.235,"end":188.63501,"confidence":0.80615234,"punctuated_word":"states","sentiment":"neutral","sentiment_score":0.07963891327381134},{"word":"is","start":188.63501,"end":188.875,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05711221694946289},{"word":"that","start":188.875,"end":189.355,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02650901675224304},{"word":"we","start":189.355,"end":189.515,"confidence":0.96435547,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.033140555024147034},{"word":"need","start":189.515,"end":189.675,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.028941094875335693},{"word":"to","start":189.675,"end":189.91501,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01842978596687317},{"word":"identify","start":189.91501,"end":190.195,"confidence":1.0,"punctuated_word":"identify","sentiment":"neutral","sentiment_score":-0.007084347307682037},{"word":"a","start":190.195,"end":190.475,"confidence":0.67626953,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008218809962272644},{"word":"client's","start":190.475,"end":190.955,"confidence":0.99658203,"punctuated_word":"client's","sentiment":"neutral","sentiment_score":-0.03308909386396408},{"word":"financial","start":190.955,"end":191.455,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.012526333332061768},{"word":"situation","start":191.515,"end":192.015,"confidence":0.9890137,"punctuated_word":"situation,","sentiment":"neutral","sentiment_score":0.01317225769162178},{"word":"your","start":192.955,"end":193.195,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02076059579849243},{"word":"needs","start":193.195,"end":193.695,"confidence":0.9873047,"punctuated_word":"needs,","sentiment":"neutral","sentiment_score":0.030227690935134888},{"word":"assess","start":193.91501,"end":194.315,"confidence":0.98535156,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.002024710178375244},{"word":"whether","start":194.315,"end":194.815,"confidence":0.9902344,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.01251193881034851},{"word":"any","start":195.515,"end":195.835,"confidence":0.6958008,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0551474392414093},{"word":"advice","start":195.835,"end":196.315,"confidence":0.9941406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.005344554781913757},{"word":"provided","start":196.315,"end":196.795,"confidence":0.9970703,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":0.04876413941383362},{"word":"is","start":196.795,"end":196.955,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04638531804084778},{"word":"in","start":196.955,"end":197.115,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06481324136257172},{"word":"your","start":197.115,"end":197.27501,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.008662313222885132},{"word":"best","start":197.27501,"end":197.595,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.017573639750480652},{"word":"interest","start":197.595,"end":198.095,"confidence":0.9628906,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.06351622194051743},{"word":"conduct","start":198.37001,"end":198.77,"confidence":0.99609375,"punctuated_word":"conduct","sentiment":"neutral","sentiment_score":-0.06019978225231171},{"word":"diligent","start":198.77,"end":199.27,"confidence":0.9941406,"punctuated_word":"diligent","sentiment":"neutral","sentiment_score":-0.06092873215675354},{"word":"investigation","start":199.57,"end":200.07,"confidence":0.98828125,"punctuated_word":"investigation","sentiment":"neutral","sentiment_score":-0.058681875467300415},{"word":"to","start":200.29001,"end":200.45001,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0413985401391983},{"word":"make","start":200.45001,"end":200.69,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.004570797085762024},{"word":"sure","start":200.69,"end":201.19,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.04411676526069641},{"word":"any","start":201.41,"end":201.73001,"confidence":0.98828125,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03812816739082336},{"word":"advice","start":201.73001,"end":202.13,"confidence":0.9716797,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.027851253747940063},{"word":"is","start":202.13,"end":202.29001,"confidence":0.97509766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06736493110656738},{"word":"relevant","start":202.29001,"end":202.77,"confidence":1.0,"punctuated_word":"relevant","sentiment":"neutral","sentiment_score":-0.01262691617012024},{"word":"to","start":202.77,"end":202.93001,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04274331033229828},{"word":"your","start":202.93001,"end":203.33,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.019808471202850345},{"word":"circumstances","start":203.33,"end":203.83,"confidence":0.99902344,"punctuated_word":"circumstances.","sentiment":"neutral","sentiment_score":0.021703846752643585},{"word":"following","start":207.57,"end":207.97,"confidence":0.9472656,"punctuated_word":"Following","sentiment":"neutral","sentiment_score":0.05529385805130005},{"word":"that","start":207.97,"end":208.21,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08718360215425491},{"word":"is","start":208.21,"end":208.37001,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08415861427783966},{"word":"a","start":208.37001,"end":208.53,"confidence":0.75146484,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09036636352539062},{"word":"table","start":208.53,"end":208.85,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.05617492645978928},{"word":"of","start":208.85,"end":209.01001,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03456425666809082},{"word":"contents","start":209.01001,"end":209.51001,"confidence":0.7890625,"punctuated_word":"contents,","sentiment":"neutral","sentiment_score":0.06236991658806801},{"word":"and","start":209.65001,"end":209.89,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0910988450050354},{"word":"then","start":209.89,"end":210.05,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10568778216838837},{"word":"the","start":210.05,"end":210.21,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09788765758275986},{"word":"next","start":210.21,"end":210.61,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.056930772960186005},{"word":"page","start":210.61,"end":211.09001,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.041775841265916824},{"word":"is","start":211.09001,"end":211.59001,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07599092274904251},{"word":"the","start":211.91501,"end":212.235,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0684024915099144},{"word":"scope","start":212.235,"end":212.475,"confidence":0.99902344,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":0.06708791106939316},{"word":"of","start":212.475,"end":212.71501,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11207877099514008},{"word":"advice","start":212.71501,"end":213.115,"confidence":0.9785156,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.07539503276348114},{"word":"so","start":213.115,"end":213.27501,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1376836597919464},{"word":"that's","start":213.27501,"end":213.515,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1406480222940445},{"word":"where","start":213.515,"end":213.675,"confidence":0.9970703,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.10323332250118256},{"word":"we","start":213.675,"end":213.835,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.194497749209404},{"word":"talked","start":213.835,"end":214.155,"confidence":0.93408203,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.18978026509284973},{"word":"about","start":214.155,"end":214.55501,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.18307378888130188},{"word":"your","start":214.55501,"end":214.875,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18431977927684784},{"word":"goals","start":214.875,"end":215.375,"confidence":0.86694336,"punctuated_word":"goals,","sentiment":"neutral","sentiment_score":0.1931898146867752},{"word":"and","start":215.99501,"end":216.49501,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24081039428710935},{"word":"this","start":216.875,"end":217.115,"confidence":0.64208984,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.26333579421043396},{"word":"is","start":217.115,"end":217.195,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2548367977142334},{"word":"gonna","start":217.195,"end":217.595,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.27108073234558105},{"word":"outline","start":217.595,"end":218.07501,"confidence":0.99902344,"punctuated_word":"outline","sentiment":"neutral","sentiment_score":0.2523554563522339},{"word":"what","start":218.07501,"end":218.315,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.18236693739891052},{"word":"is","start":218.315,"end":218.55501,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17974554002285004},{"word":"covered","start":218.55501,"end":218.955,"confidence":0.99902344,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.22422802448272705},{"word":"in","start":218.955,"end":219.195,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15314066410064697},{"word":"this","start":219.195,"end":219.435,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.15761317312717438},{"word":"advice","start":219.435,"end":219.935,"confidence":0.9863281,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.12648504972457886},{"word":"document","start":219.99501,"end":220.49501,"confidence":0.9980469,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.09092430770397186},{"word":"so","start":221.435,"end":221.935,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13232365250587463},{"word":"we","start":222.395,"end":222.55501,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17964205145835876},{"word":"will","start":222.55501,"end":222.71501,"confidence":0.99609375,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2008788138628006},{"word":"be","start":222.71501,"end":222.875,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.21275779604911804},{"word":"reviewing","start":222.875,"end":223.35501,"confidence":0.99902344,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.18306274712085724},{"word":"your","start":223.35501,"end":223.675,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14733213186264038},{"word":"superannuation","start":223.675,"end":224.175,"confidence":0.93237305,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":0.14648529887199402},{"word":"and","start":225.91501,"end":226.07501,"confidence":0.7758789,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2375560700893402},{"word":"your","start":226.07501,"end":226.315,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21955928206443787},{"word":"goal","start":226.315,"end":226.63501,"confidence":0.99316406,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.2328114807605743},{"word":"is","start":226.63501,"end":226.875,"confidence":0.95947266,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3028934895992279},{"word":"to","start":226.875,"end":227.115,"confidence":0.96777344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27163857221603394},{"word":"be","start":227.115,"end":227.35501,"confidence":0.95703125,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2714754343032837},{"word":"debt","start":227.35501,"end":227.73,"confidence":0.94628906,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.2029629349708557},{"word":"free","start":227.81,"end":227.97,"confidence":0.95166016,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.2919882535934448},{"word":"and","start":227.97,"end":228.05,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2842216193675995},{"word":"have","start":228.05,"end":228.20999,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.29631486535072327},{"word":"sufficient","start":228.20999,"end":228.70999,"confidence":0.9980469,"punctuated_word":"sufficient","sentiment":"neutral","sentiment_score":0.16801771521568298},{"word":"income","start":228.84999,"end":229.17,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.23515526950359344},{"word":"to","start":229.17,"end":229.40999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3027504086494446},{"word":"support","start":229.40999,"end":229.81,"confidence":1.0,"punctuated_word":"support","sentiment":"neutral","sentiment_score":0.293560266494751},{"word":"your","start":229.81,"end":230.05,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3961392641067505},{"word":"lifestyle","start":230.05,"end":230.55,"confidence":0.98535156,"punctuated_word":"lifestyle","sentiment":"positive","sentiment_score":0.4835096001625061},{"word":"of","start":230.69,"end":230.93,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3335830271244049},{"word":"3,500","start":230.93,"end":231.97,"confidence":0.9970703,"punctuated_word":"3,500","sentiment":"positive","sentiment_score":0.37286293506622314},{"word":"per","start":231.97,"end":232.20999,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.32495802640914917},{"word":"week","start":232.20999,"end":232.53,"confidence":0.9863281,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.2934874892234802},{"word":"throughout","start":232.53,"end":233.01,"confidence":0.99609375,"punctuated_word":"throughout","sentiment":"neutral","sentiment_score":0.28263354301452637},{"word":"retirement","start":233.01,"end":233.51,"confidence":0.9328613,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":0.1807364821434021},{"word":"so","start":233.65,"end":233.89,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14712074398994446},{"word":"we're","start":233.89,"end":234.04999,"confidence":0.9897461,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.17042338848114014},{"word":"gonna","start":234.04999,"end":234.29,"confidence":0.9951172,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.17761190235614777},{"word":"look","start":234.29,"end":234.45,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12627440690994263},{"word":"at","start":234.45,"end":234.69,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14704594016075134},{"word":"reviewing","start":234.69,"end":235.17,"confidence":0.9980469,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.08503799140453339},{"word":"your","start":235.17,"end":235.56999,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15095241367816925},{"word":"super","start":235.56999,"end":235.97,"confidence":0.97998047,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.28853434324264526},{"word":"to","start":235.97,"end":236.37,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21762073040008545},{"word":"help","start":236.37,"end":236.69,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.28870105743408203},{"word":"you","start":236.69,"end":237.19,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32670482993125916},{"word":"work","start":238.45,"end":238.76999,"confidence":0.9741211,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.3370687961578369},{"word":"towards","start":238.76999,"end":239.17,"confidence":0.9980469,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.37668362259864807},{"word":"that","start":239.17,"end":239.40999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2937577962875366},{"word":"goal","start":239.40999,"end":239.90999,"confidence":0.99902344,"punctuated_word":"goal.","sentiment":"neutral","sentiment_score":0.2647472620010376},{"word":"we've","start":241.465,"end":241.865,"confidence":0.97387695,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.1916147768497467},{"word":"looked","start":241.865,"end":242.185,"confidence":1.0,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.14963975548744202},{"word":"at","start":242.185,"end":242.425,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1201978325843811},{"word":"the","start":242.425,"end":242.585,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13752202689647677},{"word":"$25","start":242.585,"end":243.385,"confidence":0.99975586,"punctuated_word":"$25","sentiment":"neutral","sentiment_score":0.14812642335891724},{"word":"a","start":243.385,"end":243.545,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15554161369800568},{"word":"week","start":243.545,"end":243.785,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.06299012899398804},{"word":"you","start":243.785,"end":243.945,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.092824324965477},{"word":"do","start":243.945,"end":244.345,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07625481486320496},{"word":"after","start":244.345,"end":244.845,"confidence":0.99902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.08106410503387451},{"word":"you","start":245.065,"end":245.225,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06786161661148071},{"word":"get","start":245.225,"end":245.545,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05465926229953766},{"word":"your","start":245.545,"end":245.865,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05285857617855072},{"word":"pay","start":245.865,"end":246.365,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.007707506418228149},{"word":"into","start":247.145,"end":247.625,"confidence":0.96875,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.022727668285369873},{"word":"super","start":247.625,"end":248.105,"confidence":0.9160156,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.21580632030963895},{"word":"and","start":248.105,"end":248.605,"confidence":0.8881836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14591920375823977},{"word":"recommended","start":249.465,"end":249.965,"confidence":0.9951172,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.2189849317073822},{"word":"to","start":250.025,"end":250.525,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1360221654176712},{"word":"set","start":250.985,"end":251.225,"confidence":0.99902344,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.10552813112735748},{"word":"this","start":251.225,"end":251.385,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05835980176925659},{"word":"up","start":251.385,"end":251.625,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.13262128829956055},{"word":"as","start":251.625,"end":251.785,"confidence":0.88183594,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08546186983585358},{"word":"salary","start":251.785,"end":252.185,"confidence":0.44262695,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.022249415516853333},{"word":"sacrifice","start":252.185,"end":252.685,"confidence":0.98095703,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":-0.029807686805725098},{"word":"arrangement","start":252.825,"end":253.325,"confidence":0.99609375,"punctuated_word":"arrangement","sentiment":"neutral","sentiment_score":0.07683856785297394},{"word":"instead","start":253.465,"end":253.945,"confidence":0.9970703,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.043922170996665955},{"word":"so","start":253.945,"end":254.105,"confidence":0.43920898,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.20065203309059143},{"word":"that","start":254.105,"end":254.345,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2109935432672501},{"word":"what","start":254.345,"end":254.585,"confidence":0.60009766,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.126038059592247},{"word":"we'll","start":254.585,"end":254.825,"confidence":0.9499512,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.14283877611160278},{"word":"be","start":254.825,"end":254.985,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1523696780204773},{"word":"talking","start":254.985,"end":255.465,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.1439831554889679},{"word":"through","start":255.465,"end":255.965,"confidence":0.99902344,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.12331517040729524},{"word":"we're","start":257.92,"end":258.24002,"confidence":0.98046875,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.1818508952856064},{"word":"also","start":258.24002,"end":258.56,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11199238896369934},{"word":"gonna","start":258.56,"end":258.80002,"confidence":0.9951172,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.19856446981430056},{"word":"look","start":258.80002,"end":258.96002,"confidence":0.9506836,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08664063364267349},{"word":"at","start":258.96002,"end":259.04,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12039420008659364},{"word":"your","start":259.04,"end":259.36002,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08786654472351074},{"word":"insurances","start":259.36002,"end":259.86002,"confidence":0.9905599,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.1099061593413353},{"word":"we've","start":260.24002,"end":260.48,"confidence":0.99560547,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.2568584978580475},{"word":"made","start":260.48,"end":260.64,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.3235175311565399},{"word":"some","start":260.64,"end":260.88,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2669377326965332},{"word":"recommendations","start":260.88,"end":261.38,"confidence":0.9873047,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.21357496082782745},{"word":"surrounding","start":261.76,"end":262.16,"confidence":0.99902344,"punctuated_word":"surrounding","sentiment":"neutral","sentiment_score":0.27760782837867737},{"word":"that","start":262.16,"end":262.66,"confidence":0.6824951,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.13348601758480072},{"word":"and","start":264.4,"end":264.9,"confidence":0.8881836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21604499220848083},{"word":"that","start":265.84,"end":266.34,"confidence":0.94628906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17576900124549866},{"word":"your","start":266.48,"end":266.88,"confidence":0.9760742,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18383511900901792},{"word":"beneficiary","start":266.88,"end":267.38,"confidence":0.9970703,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.2374418079853058},{"word":"nominations","start":267.6,"end":268.1,"confidence":0.9951172,"punctuated_word":"nominations","sentiment":"neutral","sentiment_score":0.19042369723320007},{"word":"within","start":268.4,"end":268.72,"confidence":0.99902344,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.15962591767311096},{"word":"your","start":268.72,"end":268.96002,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20879614353179932},{"word":"super","start":268.96002,"end":269.36002,"confidence":0.9770508,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3739624321460724},{"word":"and","start":269.36002,"end":269.52002,"confidence":0.9482422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2383510172367096},{"word":"any","start":269.52002,"end":269.76,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2720588445663452},{"word":"insurance","start":269.76,"end":270.26,"confidence":0.9980469,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.11508865654468536},{"word":"is","start":270.56,"end":271.06,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16868464648723602},{"word":"in","start":271.52002,"end":271.68,"confidence":0.9560547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19392146170139313},{"word":"place","start":271.68,"end":272.18,"confidence":0.99902344,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.2345097213983536},{"word":"for","start":272.45502,"end":272.695,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2445356249809265},{"word":"your","start":272.695,"end":272.93503,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21626974642276764},{"word":"daughter","start":272.93503,"end":273.43503,"confidence":1.0,"punctuated_word":"daughter","sentiment":"neutral","sentiment_score":0.15956760942935944},{"word":"as","start":273.815,"end":274.05502,"confidence":0.7109375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17003419995307922},{"word":"well","start":274.05502,"end":274.21503,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.201933816075325},{"word":"as","start":274.21503,"end":274.45502,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15125331282615662},{"word":"establishing","start":274.45502,"end":274.95502,"confidence":0.99902344,"punctuated_word":"establishing","sentiment":"neutral","sentiment_score":0.17662110924720764},{"word":"a","start":275.095,"end":275.255,"confidence":0.9760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16324256360530853},{"word":"will","start":275.255,"end":275.49503,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.119102343916893},{"word":"and","start":275.49503,"end":275.73502,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1136264055967331},{"word":"power","start":275.73502,"end":276.05502,"confidence":0.9980469,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.1437266767024994},{"word":"of","start":276.05502,"end":276.21503,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14369291067123413},{"word":"attorney","start":276.21503,"end":276.71503,"confidence":0.9995117,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":0.13448719680309296},{"word":"the","start":279.17502,"end":279.575,"confidence":0.84765625,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.1687493622303009},{"word":"goals","start":279.575,"end":279.89502,"confidence":0.99902344,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":-0.17550763487815857},{"word":"that","start":279.89502,"end":280.21503,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16435718536376953},{"word":"aren't","start":280.21503,"end":280.695,"confidence":0.9995117,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.203914612531662},{"word":"included","start":280.695,"end":281.195,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":-0.21423587203025815},{"word":"in","start":281.33502,"end":281.49503,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1205662190914154},{"word":"this","start":281.49503,"end":281.815,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.21483440697193143},{"word":"advice","start":281.815,"end":282.315,"confidence":0.98291016,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.1421128362417221},{"word":"is","start":282.77502,"end":282.935,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16906854510307312},{"word":"your","start":282.935,"end":283.17502,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.114650160074234},{"word":"budget","start":283.17502,"end":283.575,"confidence":1.0,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":-0.0753665491938591},{"word":"and","start":283.575,"end":283.73502,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.21526601910591123},{"word":"savings","start":283.73502,"end":284.21503,"confidence":0.99902344,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":-0.05840432643890381},{"word":"goal","start":284.21503,"end":284.45502,"confidence":0.9892578,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":-0.018814675509929657},{"word":"where","start":284.45502,"end":284.695,"confidence":0.8251953,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.12197163701057434},{"word":"you're","start":284.695,"end":284.935,"confidence":0.8027344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.03310864791274071},{"word":"you're","start":284.935,"end":285.17502,"confidence":0.9692383,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.024104643613100052},{"word":"saving","start":285.17502,"end":285.575,"confidence":1.0,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":0.02286916971206665},{"word":"a","start":285.575,"end":285.73502,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09039318561553956},{"word":"$100","start":285.73502,"end":286.475,"confidence":0.9995117,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.007937170565128326},{"word":"per","start":286.855,"end":287.095,"confidence":0.9760742,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.00020168721675872803},{"word":"fortnight","start":287.095,"end":287.595,"confidence":0.7553711,"punctuated_word":"fortnight,","sentiment":"neutral","sentiment_score":-0.04842472821474075},{"word":"at","start":290.34998,"end":290.50998,"confidence":0.8535156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.026851855218410492},{"word":"your","start":290.50998,"end":290.83,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07368210703134537},{"word":"debt","start":290.83,"end":291.06998,"confidence":0.98095703,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.05501563847064972},{"word":"goals","start":291.06998,"end":291.38998,"confidence":0.96972656,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":-0.0926356315612793},{"word":"of","start":291.38998,"end":291.88998,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10596045851707458},{"word":"consolidating","start":292.03,"end":292.53,"confidence":1.0,"punctuated_word":"consolidating","sentiment":"neutral","sentiment_score":-0.06143696233630181},{"word":"debt","start":292.91,"end":293.22998,"confidence":0.9716797,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.09396790713071825},{"word":"if","start":293.22998,"end":293.47,"confidence":0.5786133,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.16607427597045898},{"word":"you","start":293.47,"end":293.62997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2268940806388855},{"word":"could","start":293.62997,"end":294.12997,"confidence":0.9133301,"punctuated_word":"could.","sentiment":"neutral","sentiment_score":-0.19679735600948337},{"word":"so","start":295.22998,"end":295.55,"confidence":0.8886719,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0803782120347023},{"word":"that","start":295.55,"end":295.78998,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10468603670597076},{"word":"would","start":295.78998,"end":295.94998,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08517076075077057},{"word":"be","start":295.94998,"end":296.11,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07015572488307953},{"word":"covered","start":296.11,"end":296.61,"confidence":1.0,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":-0.06939400732517242},{"word":"externally","start":296.75,"end":297.25,"confidence":0.99902344,"punctuated_word":"externally","sentiment":"neutral","sentiment_score":-0.10635753720998764},{"word":"outside","start":297.47,"end":297.78998,"confidence":0.9863281,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.08870677649974823},{"word":"of","start":297.78998,"end":297.94998,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1266255080699921},{"word":"our","start":297.94998,"end":298.19,"confidence":0.9921875,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.11494531482458116},{"word":"advice","start":298.19,"end":298.59,"confidence":0.75439453,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.13854947686195374},{"word":"if","start":298.59,"end":298.75,"confidence":0.9301758,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1176690012216568},{"word":"you","start":298.75,"end":298.90997,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15310582518577576},{"word":"decided","start":298.90997,"end":299.38998,"confidence":0.98095703,"punctuated_word":"decided","sentiment":"neutral","sentiment_score":-0.09847666323184968},{"word":"to","start":299.38998,"end":299.88998,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11688844114542007},{"word":"go","start":300.03,"end":300.19,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.10204986482858658},{"word":"along","start":300.19,"end":300.50998,"confidence":1.0,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.07220490276813507},{"word":"with","start":300.50998,"end":300.66998,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.06917962431907654},{"word":"that","start":300.66998,"end":301.16998,"confidence":0.9951172,"punctuated_word":"that...","sentiment":"neutral","sentiment_score":-0.04995955899357796},{"word":"with","start":301.38998,"end":301.55,"confidence":0.99902344,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.03124470077455044},{"word":"the","start":301.55,"end":301.71,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01909676380455494},{"word":"broker","start":301.71,"end":302.11,"confidence":0.9941406,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":-0.011965382844209673},{"word":"details","start":302.11,"end":302.50998,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":-0.009453937411308289},{"word":"that","start":302.50998,"end":302.66998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0004307776689529419},{"word":"we","start":302.66998,"end":302.90997,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.009639378637075424},{"word":"shared","start":302.90997,"end":303.22998,"confidence":0.9770508,"punctuated_word":"shared","sentiment":"neutral","sentiment_score":0.01802338846027851},{"word":"with","start":303.22998,"end":303.38998,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.022914251312613487},{"word":"you","start":303.38998,"end":303.88998,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026565901935100555},{"word":"and","start":304.965,"end":305.465,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00863734818994999},{"word":"along","start":305.685,"end":306.005,"confidence":0.96875,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.00721297413110733},{"word":"with","start":306.005,"end":306.245,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0047831349074840546},{"word":"investment","start":306.245,"end":306.745,"confidence":0.7373047,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.006474471651017666},{"word":"so","start":306.965,"end":307.285,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.006137855350971222},{"word":"you","start":307.285,"end":307.525,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006209090352058411},{"word":"did","start":307.525,"end":307.845,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.005861073732376099},{"word":"mention","start":307.845,"end":308.165,"confidence":0.9707031,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.014261677861213684},{"word":"you","start":308.165,"end":308.245,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.024579335004091263},{"word":"wanted","start":308.245,"end":308.565,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.0324983224272728},{"word":"to","start":308.565,"end":308.64502,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02107839286327362},{"word":"consider","start":308.64502,"end":309.125,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.012232176959514618},{"word":"an","start":309.125,"end":309.285,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.007888399064540863},{"word":"investment","start":309.285,"end":309.765,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.008114993572235107},{"word":"account","start":309.765,"end":310.085,"confidence":0.5209961,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.006949201226234436},{"word":"for","start":310.085,"end":310.245,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0068354532122612},{"word":"your","start":310.245,"end":310.405,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.022367000579833984},{"word":"daughter","start":310.405,"end":310.805,"confidence":1.0,"punctuated_word":"daughter","sentiment":"neutral","sentiment_score":-0.0064184777438640594},{"word":"down","start":310.805,"end":311.045,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.02699245512485504},{"word":"the","start":311.045,"end":311.285,"confidence":0.9550781,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.000493120402097702},{"word":"track","start":311.285,"end":311.785,"confidence":0.8913574,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":-0.014089684933423996},{"word":"but","start":312.005,"end":312.325,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.040729228407144547},{"word":"not","start":312.325,"end":312.48502,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08231037855148315},{"word":"at","start":312.48502,"end":312.725,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10358155518770218},{"word":"this","start":312.725,"end":312.965,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0762757658958435},{"word":"point","start":312.965,"end":313.465,"confidence":0.8432617,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.05498402565717697},{"word":"and","start":313.845,"end":314.085,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.040334951132535934},{"word":"also","start":314.085,"end":314.48502,"confidence":0.6870117,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":-0.05594497174024582},{"word":"again","start":314.48502,"end":314.885,"confidence":0.98999023,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.04945368319749832},{"word":"property","start":314.885,"end":315.365,"confidence":0.7331543,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":-0.06418035924434662},{"word":"so","start":315.365,"end":315.525,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07020357251167297},{"word":"that's","start":315.525,"end":315.845,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0656234472990036},{"word":"not","start":315.845,"end":316.165,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07030228525400162},{"word":"addressed","start":316.165,"end":316.565,"confidence":0.921875,"punctuated_word":"addressed","sentiment":"neutral","sentiment_score":-0.07662688195705414},{"word":"in","start":316.565,"end":317.065,"confidence":0.9970703,"punctuated_word":"in...","sentiment":"neutral","sentiment_score":-0.052927568554878235},{"word":"the","start":317.125,"end":317.285,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.1835440993309021},{"word":"purchase","start":317.285,"end":317.605,"confidence":0.9921875,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":-0.1981322318315506},{"word":"of","start":317.605,"end":317.765,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19534379243850708},{"word":"property","start":317.765,"end":318.085,"confidence":0.78271484,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.17838124930858612},{"word":"isn't","start":318.085,"end":318.325,"confidence":0.98999023,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.1706889569759369},{"word":"addressed","start":318.325,"end":318.725,"confidence":0.9873047,"punctuated_word":"addressed","sentiment":"neutral","sentiment_score":-0.14195525646209717},{"word":"in","start":318.725,"end":318.965,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.22231478989124295},{"word":"this","start":318.965,"end":319.32,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.24352623522281647},{"word":"advice","start":319.56,"end":319.96002,"confidence":0.91845703,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.1940734088420868},{"word":"document","start":319.96002,"end":320.44,"confidence":0.99902344,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.1866348832845688},{"word":"either","start":320.44,"end":320.84,"confidence":0.9975586,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":-0.19634047150611875},{"word":"does","start":320.84,"end":321.08002,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":-0.10479509830474854},{"word":"that","start":321.08002,"end":321.16,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06755049526691437},{"word":"make","start":321.16,"end":321.48,"confidence":0.9838867,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.08083641529083252},{"word":"sense","start":321.48,"end":321.98,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":-0.12418119609355928},{"word":"yeah","start":323.88,"end":324.38,"confidence":0.87768555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04813210666179657},{"word":"the","start":325.0,"end":325.16,"confidence":0.9921875,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.07711991667747498},{"word":"next","start":325.16,"end":325.48,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.10636268556118011},{"word":"page","start":325.48,"end":325.80002,"confidence":0.9951172,"punctuated_word":"page","sentiment":"neutral","sentiment_score":-0.08341734856367111},{"word":"is","start":325.80002,"end":326.04,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08171644061803818},{"word":"our","start":326.04,"end":326.2,"confidence":0.94970703,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.0758410096168518},{"word":"limited","start":326.2,"end":326.6,"confidence":0.96875,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":-0.08405312150716782},{"word":"of","start":326.6,"end":326.76,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08825872838497162},{"word":"advice","start":326.76,"end":327.26,"confidence":0.920166,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":-0.06619009375572205},{"word":"so","start":327.32,"end":327.72,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.048406071960926056},{"word":"it","start":327.72,"end":328.22,"confidence":0.9375,"punctuated_word":"it...","sentiment":"neutral","sentiment_score":-0.041760802268981934},{"word":"the","start":328.28,"end":328.52002,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.15582109987735748},{"word":"advice","start":328.52002,"end":329.02002,"confidence":0.5385742,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.1449078619480133},{"word":"is","start":329.08002,"end":329.32,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1453378200531006},{"word":"based","start":329.32,"end":329.80002,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.12616874277591705},{"word":"on","start":329.80002,"end":330.2,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.115582674741745},{"word":"the","start":330.2,"end":330.6,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1568358838558197},{"word":"information","start":330.6,"end":331.1,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":-0.135923370718956},{"word":"you've","start":331.16,"end":331.48,"confidence":0.98950195,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.10769078135490416},{"word":"provided","start":331.48,"end":331.88,"confidence":0.9951172,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":-0.07335766404867172},{"word":"to","start":331.88,"end":332.04,"confidence":0.9223633,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.061563484370708466},{"word":"us","start":332.04,"end":332.28,"confidence":0.6875,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":-0.11486389487981796},{"word":"so","start":332.28,"end":332.36002,"confidence":0.93359375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.19854021072387695},{"word":"if","start":332.36002,"end":332.52002,"confidence":0.9760742,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.21590200066566467},{"word":"anything","start":332.52002,"end":332.84,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.26983219385147095},{"word":"isn't","start":332.84,"end":333.34,"confidence":0.99853516,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.21018102765083313},{"word":"provided","start":333.4,"end":333.9,"confidence":0.9807129,"punctuated_word":"provided,","sentiment":"neutral","sentiment_score":-0.2783065736293793},{"word":"the","start":336.135,"end":336.29498,"confidence":0.9526367,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4226628541946411},{"word":"advice","start":336.29498,"end":336.775,"confidence":0.984375,"punctuated_word":"advice","sentiment":"negative","sentiment_score":-0.4481808543205261},{"word":"could","start":336.775,"end":336.935,"confidence":1.0,"punctuated_word":"could","sentiment":"negative","sentiment_score":-0.4623008966445923},{"word":"not","start":336.935,"end":337.175,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3469013273715973},{"word":"be","start":337.175,"end":337.57498,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.31109756231307983},{"word":"accurate","start":337.57498,"end":338.07498,"confidence":0.99560547,"punctuated_word":"accurate.","sentiment":"neutral","sentiment_score":-0.2786831855773926},{"word":"it","start":338.615,"end":338.855,"confidence":0.9604492,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0785306990146637},{"word":"also","start":338.855,"end":339.255,"confidence":0.96875,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.08250994980335236},{"word":"lets","start":339.255,"end":339.495,"confidence":0.9038086,"punctuated_word":"lets","sentiment":"neutral","sentiment_score":-0.0844411700963974},{"word":"you","start":339.495,"end":339.655,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0988151878118515},{"word":"know","start":339.655,"end":339.815,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.08728918433189392},{"word":"that","start":339.815,"end":339.975,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08837855607271194},{"word":"i'm","start":339.975,"end":340.135,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.11509153246879578},{"word":"not","start":340.135,"end":340.29498,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1103505864739418},{"word":"a","start":340.29498,"end":340.375,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18042698502540588},{"word":"lawyer","start":340.375,"end":340.695,"confidence":0.8376465,"punctuated_word":"lawyer,","sentiment":"neutral","sentiment_score":-0.20727138221263883},{"word":"so","start":340.695,"end":340.855,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.16650481522083282},{"word":"i","start":340.855,"end":341.095,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1628638654947281},{"word":"can't","start":341.095,"end":341.495,"confidence":0.9995117,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.10439051687717438},{"word":"help","start":341.495,"end":341.735,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":-0.08272404968738556},{"word":"you","start":341.735,"end":342.235,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11270488798618317},{"word":"draft","start":342.29498,"end":342.695,"confidence":0.99316406,"punctuated_word":"draft","sentiment":"neutral","sentiment_score":-0.13501349091529846},{"word":"wills","start":342.695,"end":343.01498,"confidence":0.8720703,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":-0.12695159018039703},{"word":"or","start":343.01498,"end":343.255,"confidence":0.9770508,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.16734740138053894},{"word":"powers","start":343.255,"end":343.57498,"confidence":0.99609375,"punctuated_word":"powers","sentiment":"neutral","sentiment_score":-0.12483684718608856},{"word":"of","start":343.57498,"end":343.815,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10226386040449142},{"word":"attorney","start":343.815,"end":344.315,"confidence":0.8718262,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":-0.12646304070949554},{"word":"and","start":345.175,"end":345.675,"confidence":0.99316406,"punctuated_word":"And...","sentiment":"neutral","sentiment_score":-0.023250887170434},{"word":"yep","start":346.215,"end":346.715,"confidence":0.94840497,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.017532970756292343},{"word":"and","start":346.81998,"end":346.97998,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.01836318150162697},{"word":"that","start":346.97998,"end":347.47998,"confidence":0.86328125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02141585201025009},{"word":"i'm","start":348.34,"end":348.58,"confidence":0.9042969,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02552161365747452},{"word":"also","start":348.58,"end":349.08,"confidence":0.9448242,"punctuated_word":"also...","sentiment":"neutral","sentiment_score":-0.02898719161748886},{"word":"cannot","start":349.69998,"end":350.09998,"confidence":0.9838867,"punctuated_word":"Cannot","sentiment":"neutral","sentiment_score":-0.17070157825946808},{"word":"provide","start":350.09998,"end":350.41998,"confidence":0.9980469,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.16000176966190338},{"word":"advice","start":350.41998,"end":350.74,"confidence":0.98535156,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.12454427033662796},{"word":"in","start":350.74,"end":350.9,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.14552518725395203},{"word":"regards","start":350.9,"end":351.3,"confidence":0.9951172,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.16522660851478577},{"word":"to","start":351.3,"end":351.38,"confidence":0.9472656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16041256487369537},{"word":"general","start":351.38,"end":351.78,"confidence":0.9614258,"punctuated_word":"general","sentiment":"neutral","sentiment_score":-0.2091443836688995},{"word":"insurance","start":351.78,"end":352.28,"confidence":0.9550781,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.15546686947345734},{"word":"products","start":352.5,"end":353.0,"confidence":0.9995117,"punctuated_word":"products.","sentiment":"neutral","sentiment_score":-0.04536189138889313},{"word":"i","start":353.78,"end":354.18,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03258110210299492},{"word":"am","start":354.18,"end":354.41998,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.01940174773335457},{"word":"able","start":354.41998,"end":354.74,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.010669270530343056},{"word":"to","start":354.74,"end":354.97998,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.043015312403440475},{"word":"provide","start":354.97998,"end":355.46,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.04832186177372933},{"word":"tax","start":355.46,"end":355.78,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.04706980288028717},{"word":"advice","start":355.78,"end":356.25998,"confidence":0.9970703,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.04420342296361923},{"word":"relevant","start":356.25998,"end":356.66,"confidence":0.9941406,"punctuated_word":"relevant","sentiment":"neutral","sentiment_score":-0.02499087899923325},{"word":"to","start":356.66,"end":356.9,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0838710367679596},{"word":"financial","start":356.9,"end":357.38,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.11352363228797913},{"word":"advice","start":357.38,"end":357.86,"confidence":0.99316406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.06928469240665436},{"word":"only","start":357.86,"end":358.34,"confidence":0.8171387,"punctuated_word":"only,","sentiment":"neutral","sentiment_score":-0.10848347842693327},{"word":"but","start":358.34,"end":358.58,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0895974189043045},{"word":"not","start":358.58,"end":358.9,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.12483927607536316},{"word":"tax","start":358.9,"end":359.3,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.14534446597099304},{"word":"returns","start":359.3,"end":359.8,"confidence":0.9902344,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":-0.24911704659461975},{"word":"or","start":359.86,"end":360.18,"confidence":0.9707031,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.20017215609550476},{"word":"any","start":360.18,"end":360.41998,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.14861877262592316},{"word":"of","start":360.41998,"end":360.58,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12165887653827669},{"word":"those","start":360.58,"end":360.81998,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.09574446082115172},{"word":"types","start":360.81998,"end":361.13998,"confidence":0.9951172,"punctuated_word":"types","sentiment":"neutral","sentiment_score":-0.10163531452417374},{"word":"of","start":361.13998,"end":361.3,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06769005954265594},{"word":"matters","start":361.3,"end":361.8,"confidence":0.9995117,"punctuated_word":"matters.","sentiment":"neutral","sentiment_score":-0.05434513092041016},{"word":"the","start":364.355,"end":364.515,"confidence":0.9589844,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.008931010961532593},{"word":"next","start":364.515,"end":364.755,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.004000365734100342},{"word":"couple","start":364.755,"end":365.075,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.000406462699174881},{"word":"of","start":365.075,"end":365.155,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0148887000977993},{"word":"pages","start":365.155,"end":365.635,"confidence":0.99902344,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.004395473748445511},{"word":"are","start":365.635,"end":365.875,"confidence":0.5,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.029373064637184143},{"word":"the","start":365.875,"end":366.035,"confidence":0.69433594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03083830326795578},{"word":"about","start":366.035,"end":366.435,"confidence":0.8496094,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.029452558606863025},{"word":"you","start":366.435,"end":366.675,"confidence":0.9658203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0215193685144186},{"word":"section","start":366.675,"end":367.075,"confidence":0.8288574,"punctuated_word":"section.","sentiment":"neutral","sentiment_score":0.03898173943161965},{"word":"so","start":367.075,"end":367.315,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.029043585062026978},{"word":"this","start":367.315,"end":367.555,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04698246717453003},{"word":"is","start":367.555,"end":367.635,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.040619514882564545},{"word":"where","start":367.635,"end":367.875,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.036887168884277344},{"word":"we","start":367.875,"end":368.035,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05390318110585213},{"word":"completed","start":368.035,"end":368.535,"confidence":0.99902344,"punctuated_word":"completed","sentiment":"neutral","sentiment_score":0.05463178455829621},{"word":"in","start":369.715,"end":369.875,"confidence":0.63134766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06097884476184845},{"word":"our","start":369.875,"end":370.115,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.05626441538333893},{"word":"initial","start":370.115,"end":370.615,"confidence":0.99902344,"punctuated_word":"initial","sentiment":"neutral","sentiment_score":0.057382382452487946},{"word":"meetings","start":371.155,"end":371.655,"confidence":0.9892578,"punctuated_word":"meetings","sentiment":"neutral","sentiment_score":0.04781284183263779},{"word":"your","start":371.715,"end":372.115,"confidence":0.72802734,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.047742392867803574},{"word":"information","start":372.115,"end":372.615,"confidence":0.8034668,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.031122613698244095},{"word":"so","start":372.915,"end":373.415,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02493218332529068},{"word":"dates","start":373.795,"end":374.035,"confidence":0.7788086,"punctuated_word":"dates","sentiment":"neutral","sentiment_score":0.031125508248806},{"word":"of","start":374.035,"end":374.275,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.020940231159329414},{"word":"birth","start":374.275,"end":374.775,"confidence":0.9831543,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.036709681153297424},{"word":"income","start":374.835,"end":375.335,"confidence":0.9946289,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.03404704108834267},{"word":"occupation","start":375.475,"end":375.975,"confidence":0.9970703,"punctuated_word":"occupation,","sentiment":"neutral","sentiment_score":0.03733692318201065},{"word":"savings","start":377.22,"end":377.72,"confidence":0.9946289,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":0.02765166200697422},{"word":"your","start":378.90002,"end":379.30002,"confidence":0.77734375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.027958855032920837},{"word":"assets","start":379.30002,"end":379.78,"confidence":0.99902344,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.032096754759550095},{"word":"and","start":379.78,"end":380.02002,"confidence":0.91259766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03056205064058304},{"word":"liabilities","start":380.02002,"end":380.52002,"confidence":0.8520508,"punctuated_word":"liabilities,","sentiment":"neutral","sentiment_score":0.03029314242303371},{"word":"as","start":382.34,"end":382.5,"confidence":0.79052734,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02919422835111618},{"word":"well","start":382.5,"end":382.74002,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.02730938047170639},{"word":"as","start":382.74002,"end":382.90002,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03474319353699684},{"word":"your","start":382.90002,"end":382.98,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0384141281247139},{"word":"current","start":382.98,"end":383.38,"confidence":0.99902344,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.02583913505077362},{"word":"super","start":383.38,"end":383.7,"confidence":0.95410156,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.05169396474957466},{"word":"with","start":383.7,"end":384.02002,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0356161892414093},{"word":"hester","start":384.02002,"end":384.5,"confidence":0.6940918,"punctuated_word":"Hester","sentiment":"neutral","sentiment_score":0.011353392153978348},{"word":"and","start":384.5,"end":384.98,"confidence":0.8671875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03449530899524689},{"word":"the","start":384.98,"end":385.22,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04107728600502014},{"word":"life","start":385.22,"end":385.54,"confidence":0.97802734,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.03824017941951752},{"word":"insurance","start":385.54,"end":385.94,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.02568984404206276},{"word":"and","start":385.94,"end":386.1,"confidence":0.96240234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02540561556816101},{"word":"income","start":386.1,"end":386.34,"confidence":0.99609375,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.02864905819296837},{"word":"protection","start":386.34,"end":386.82,"confidence":0.99902344,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.01530500128865242},{"word":"you","start":386.82,"end":386.98,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01836094632744789},{"word":"hold","start":386.98,"end":387.22,"confidence":0.8310547,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.005429890006780624},{"word":"in","start":387.22,"end":387.38,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.004630431532859802},{"word":"hester","start":387.38,"end":387.88,"confidence":0.98095703,"punctuated_word":"Hester.","sentiment":"neutral","sentiment_score":-0.011264308355748652},{"word":"has","start":389.885,"end":390.105,"confidence":0.99902344,"punctuated_word":"Has","sentiment":"neutral","sentiment_score":-0.01708795875310898},{"word":"any","start":390.105,"end":390.325,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.010874100029468536},{"word":"of","start":390.325,"end":390.545,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02457595616579056},{"word":"that","start":390.545,"end":390.765,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04558905586600304},{"word":"changed","start":390.765,"end":391.165,"confidence":0.91064453,"punctuated_word":"changed,","sentiment":"neutral","sentiment_score":-0.06670626252889633},{"word":"do","start":391.165,"end":391.405,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06370487809181213},{"word":"you","start":391.405,"end":391.48502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06548623740673065},{"word":"think","start":391.48502,"end":391.98502,"confidence":0.99853516,"punctuated_word":"think?","sentiment":"neutral","sentiment_score":-0.06431213766336441},{"word":"lovely","start":401.245,"end":401.745,"confidence":0.99609375,"punctuated_word":"Lovely.","sentiment":"neutral","sentiment_score":0.3047783672809601},{"word":"in","start":403.28998,"end":403.78998,"confidence":0.9980469,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.03577381372451782},{"word":"our","start":405.68997,"end":406.00998,"confidence":0.9951172,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.02894112840294838},{"word":"meetings","start":406.00998,"end":406.50998,"confidence":0.9248047,"punctuated_word":"meetings,","sentiment":"neutral","sentiment_score":0.023271705955266953},{"word":"we","start":406.88998,"end":407.12997,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.039396997541189194},{"word":"completed","start":407.12997,"end":407.61,"confidence":0.99902344,"punctuated_word":"completed","sentiment":"neutral","sentiment_score":0.04704904556274414},{"word":"a","start":407.61,"end":407.84998,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06857005506753922},{"word":"risk","start":407.84998,"end":408.09,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.03359684348106384},{"word":"profile","start":408.09,"end":408.56998,"confidence":0.8708496,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":-0.011608809232711792},{"word":"so","start":408.56998,"end":408.72998,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013956069946289062},{"word":"that","start":408.72998,"end":408.97,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04388750344514847},{"word":"was","start":408.97,"end":409.28998,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.028514068573713303},{"word":"to","start":409.28998,"end":409.68997,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.010432012379169464},{"word":"ascertain","start":409.68997,"end":410.18997,"confidence":0.99609375,"punctuated_word":"ascertain","sentiment":"neutral","sentiment_score":-0.010836474597454073},{"word":"your","start":410.96997,"end":411.44998,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.009608492255210876},{"word":"comfort","start":411.44998,"end":411.77,"confidence":1.0,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":-0.0029357969760894775},{"word":"levels","start":411.77,"end":412.25,"confidence":0.9863281,"punctuated_word":"levels","sentiment":"neutral","sentiment_score":-0.025019101798534393},{"word":"to","start":412.25,"end":412.49,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00020685046911239624},{"word":"risk","start":412.49,"end":412.81,"confidence":0.8391113,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.00690867006778717},{"word":"and","start":412.81,"end":413.05,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.004061289131641388},{"word":"it","start":413.05,"end":413.21,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.011821024119853972},{"word":"came","start":413.21,"end":413.37,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.009382683783769608},{"word":"out","start":413.37,"end":413.61,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0016197636723518372},{"word":"as","start":413.61,"end":414.11,"confidence":0.99609375,"punctuated_word":"as...","sentiment":"neutral","sentiment_score":-0.012798776850104332},{"word":"you","start":414.16998,"end":414.33,"confidence":0.9892578,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.03471582382917404},{"word":"came","start":414.33,"end":414.56998,"confidence":0.99902344,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.05528672039508819},{"word":"out","start":414.56998,"end":414.72998,"confidence":0.9951172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.097670279443264},{"word":"as","start":414.72998,"end":414.88998,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07832441478967667},{"word":"a","start":414.88998,"end":415.05,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10923415422439577},{"word":"high","start":415.05,"end":415.28998,"confidence":0.9951172,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.10983862727880478},{"word":"growth","start":415.28998,"end":415.61,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.17084047198295593},{"word":"in","start":415.61,"end":415.77,"confidence":0.75,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1276579648256302},{"word":"vista","start":415.77,"end":416.27,"confidence":0.8322754,"punctuated_word":"Vista,","sentiment":"neutral","sentiment_score":0.09873661398887634},{"word":"which","start":416.815,"end":417.055,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.06987794488668442},{"word":"means","start":417.055,"end":417.455,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.08214706927537918},{"word":"that","start":417.455,"end":417.855,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07290654629468918},{"word":"90%","start":417.855,"end":418.575,"confidence":0.99658203,"punctuated_word":"90%","sentiment":"neutral","sentiment_score":0.11635378003120422},{"word":"of","start":418.575,"end":418.735,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0952991545200348},{"word":"your","start":418.735,"end":418.975,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08843965083360672},{"word":"assets","start":418.975,"end":419.375,"confidence":0.9970703,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.06248847395181656},{"word":"are","start":419.375,"end":419.615,"confidence":0.99121094,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0929783284664154},{"word":"allocated","start":419.615,"end":420.115,"confidence":0.99902344,"punctuated_word":"allocated","sentiment":"neutral","sentiment_score":0.09104976058006288},{"word":"to","start":420.175,"end":420.415,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08048645406961441},{"word":"growth","start":420.415,"end":420.915,"confidence":0.9194336,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.06907514482736588},{"word":"with","start":421.295,"end":421.615,"confidence":0.75341797,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04550047963857651},{"word":"10%","start":421.615,"end":422.435,"confidence":0.9995117,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.07325334846973419},{"word":"approximately","start":422.735,"end":423.235,"confidence":0.90234375,"punctuated_word":"approximately","sentiment":"neutral","sentiment_score":-0.0026763305068016052},{"word":"to","start":423.535,"end":423.855,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02535899728536606},{"word":"defensive","start":423.855,"end":424.355,"confidence":0.97094727,"punctuated_word":"defensive.","sentiment":"neutral","sentiment_score":-0.0017436295747756958},{"word":"so","start":424.495,"end":424.735,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.008583232760429382},{"word":"are","start":424.735,"end":424.895,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.01981396973133087},{"word":"you","start":424.895,"end":425.055,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03268246352672577},{"word":"still","start":425.055,"end":425.29498,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.013891719281673431},{"word":"comfortable","start":425.29498,"end":425.79498,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.0595271959900856},{"word":"with","start":425.855,"end":426.01498,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03284537047147751},{"word":"that","start":426.01498,"end":426.255,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06733199208974838},{"word":"based","start":426.255,"end":426.495,"confidence":0.9921875,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.037750739604234695},{"word":"on","start":426.495,"end":426.655,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04906301200389862},{"word":"our","start":426.655,"end":426.815,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.055279217660427094},{"word":"previous","start":426.815,"end":427.315,"confidence":1.0,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":0.09763362258672714},{"word":"conversation","start":427.375,"end":427.875,"confidence":0.7548828,"punctuated_word":"conversation?","sentiment":"neutral","sentiment_score":0.05310114473104477},{"word":"fantastic","start":430.975,"end":431.475,"confidence":0.9975586,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6106107234954834},{"word":"the","start":432.84,"end":433.08002,"confidence":0.9350586,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.37528619170188904},{"word":"next","start":433.08002,"end":433.48,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.2671588063240051},{"word":"couple","start":433.48,"end":433.80002,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.21508868038654327},{"word":"of","start":433.80002,"end":433.96,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2436240166425705},{"word":"pages","start":433.96,"end":434.46,"confidence":0.99902344,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.2788974940776825},{"word":"is","start":434.52002,"end":434.76,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2833492159843445},{"word":"where","start":434.76,"end":435.16,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.12267428636550903},{"word":"the","start":435.16,"end":435.4,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17427879571914673},{"word":"real","start":435.4,"end":435.9,"confidence":0.99316406,"punctuated_word":"real","sentiment":"neutral","sentiment_score":0.26001089811325073},{"word":"detail","start":436.28,"end":436.68,"confidence":0.98095703,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":0.2868049740791321},{"word":"is","start":436.68,"end":437.0,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2434537708759308},{"word":"in","start":437.0,"end":437.24,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2932235300540924},{"word":"regards","start":437.24,"end":437.74,"confidence":0.9980469,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.2063329517841339},{"word":"to","start":437.88,"end":438.12,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3289133310317993},{"word":"the","start":438.12,"end":438.44,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.262224018573761},{"word":"advice","start":438.44,"end":438.94,"confidence":0.9724121,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.16420799493789673},{"word":"so","start":439.64,"end":440.14,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.039868175983428955},{"word":"the","start":441.16,"end":441.4,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05643901228904724},{"word":"first","start":441.4,"end":441.80002,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.06006695330142975},{"word":"part","start":441.80002,"end":442.12,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.06538829207420349},{"word":"is","start":442.12,"end":442.44,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05667726695537567},{"word":"that","start":442.44,"end":442.68,"confidence":0.9428711,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04454213008284569},{"word":"we're","start":442.68,"end":442.92,"confidence":0.9946289,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07975852489471436},{"word":"recommending","start":442.92,"end":443.42,"confidence":1.0,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.1362513303756714},{"word":"you","start":443.48,"end":443.64,"confidence":0.97509766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14520986378192902},{"word":"roll","start":443.64,"end":443.88,"confidence":0.9951172,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.16363762319087982},{"word":"over","start":443.88,"end":444.12,"confidence":0.93359375,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.20236806571483612},{"word":"your","start":444.12,"end":444.44,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1473378837108612},{"word":"hesta","start":444.44,"end":444.94,"confidence":0.96207684,"punctuated_word":"HESTA","sentiment":"neutral","sentiment_score":0.13981270790100098},{"word":"superannuation","start":445.605,"end":446.105,"confidence":0.96272784,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.1320396512746811},{"word":"fund","start":446.405,"end":446.805,"confidence":0.9941406,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.11085352301597597},{"word":"into","start":446.805,"end":447.045,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.14962054789066315},{"word":"a","start":447.045,"end":447.285,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12724851071834564},{"word":"new","start":447.285,"end":447.525,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.10758312046527864},{"word":"hub","start":447.525,"end":447.845,"confidence":0.48950195,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.09844905138015748},{"word":"24","start":447.845,"end":448.485,"confidence":0.99658203,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.16562649607658386},{"word":"platform","start":448.485,"end":448.985,"confidence":0.9819336,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.11911817640066148},{"word":"superannuation","start":449.125,"end":449.625,"confidence":0.9983724,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.13176317512989044},{"word":"fund","start":449.925,"end":450.425,"confidence":0.9970703,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.08921988308429718},{"word":"this","start":451.605,"end":452.105,"confidence":0.96435547,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.042829982936382294},{"word":"this","start":452.165,"end":452.405,"confidence":0.99609375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06516391038894653},{"word":"will","start":452.405,"end":452.645,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06304001808166504},{"word":"be","start":452.645,"end":452.805,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03935087472200394},{"word":"done","start":452.805,"end":453.305,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.045542046427726746},{"word":"over","start":453.525,"end":454.025,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.06397100538015366},{"word":"probably","start":454.885,"end":455.385,"confidence":0.8276367,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.01682184264063835},{"word":"two","start":455.445,"end":455.765,"confidence":0.9951172,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.037490952759981155},{"word":"phases","start":455.765,"end":456.265,"confidence":0.90966797,"punctuated_word":"phases,","sentiment":"neutral","sentiment_score":0.06893856823444366},{"word":"and","start":457.765,"end":458.005,"confidence":0.8144531,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04297910630702973},{"word":"i'll","start":458.005,"end":458.245,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07077860832214355},{"word":"i'll","start":458.245,"end":458.485,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.06777884811162949},{"word":"dig","start":458.485,"end":458.645,"confidence":0.99121094,"punctuated_word":"dig","sentiment":"neutral","sentiment_score":0.060785021632909775},{"word":"a","start":458.645,"end":458.725,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05916579067707062},{"word":"little","start":458.725,"end":458.965,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.009114786982536316},{"word":"bit","start":458.965,"end":459.125,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.007829815149307251},{"word":"deeper","start":459.125,"end":459.525,"confidence":0.99902344,"punctuated_word":"deeper","sentiment":"neutral","sentiment_score":0.024734221398830417},{"word":"as","start":459.525,"end":459.685,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04653286188840866},{"word":"to","start":459.685,"end":459.925,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.058798596262931824},{"word":"why","start":459.925,"end":460.425,"confidence":1.0,"punctuated_word":"why.","sentiment":"neutral","sentiment_score":0.051506154239177704},{"word":"we've","start":462.31998,"end":462.8,"confidence":0.99316406,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.17477107048034668},{"word":"recommended","start":462.8,"end":463.3,"confidence":0.9980469,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.23995114862918857},{"word":"establishing","start":464.15997,"end":464.65997,"confidence":0.9941406,"punctuated_word":"establishing","sentiment":"neutral","sentiment_score":0.24726097285747528},{"word":"hub","start":465.12,"end":465.62,"confidence":0.47973633,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.275932252407074},{"word":"and","start":466.96,"end":467.19998,"confidence":0.88183594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3226228356361389},{"word":"investing","start":467.19998,"end":467.69998,"confidence":1.0,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.2513453960418701},{"word":"in","start":467.75998,"end":468.15997,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3138536512851715},{"word":"our","start":468.15997,"end":468.65997,"confidence":0.9838867,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.28098127245903015},{"word":"high","start":469.75998,"end":470.08,"confidence":0.9741211,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.3350207805633545},{"word":"growth","start":470.08,"end":470.58,"confidence":0.9941406,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3867851197719574},{"word":"zero","start":470.8,"end":471.12,"confidence":0.95703125,"punctuated_word":"zero","sentiment":"neutral","sentiment_score":0.08981341868638992},{"word":"point","start":471.12,"end":471.44,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.14406490325927734},{"word":"five","start":471.44,"end":471.68,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.13010336458683014},{"word":"portfolio","start":471.68,"end":472.18,"confidence":0.8967285,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.09626367688179016},{"word":"which","start":472.47998,"end":472.63998,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.10704553127288818},{"word":"i'll","start":472.63998,"end":472.87997,"confidence":0.9970703,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12186279147863388},{"word":"discuss","start":472.87997,"end":473.28,"confidence":0.9970703,"punctuated_word":"discuss","sentiment":"neutral","sentiment_score":0.12200988084077836},{"word":"the","start":473.28,"end":473.44,"confidence":0.8925781,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11544772237539291},{"word":"investments","start":473.44,"end":473.94,"confidence":0.99121094,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.0958053022623062},{"word":"in","start":474.0,"end":474.15997,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11559481918811798},{"word":"a","start":474.15997,"end":474.31998,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13243749737739563},{"word":"little","start":474.31998,"end":474.56,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07889575511217117},{"word":"bit","start":474.56,"end":475.06,"confidence":0.99365234,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.0824025422334671},{"word":"the","start":475.66498,"end":475.82498,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.031417571008205414},{"word":"reason","start":475.82498,"end":476.305,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.08581196516752243},{"word":"being","start":476.305,"end":476.78497,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.0717548057436943},{"word":"is","start":476.78497,"end":477.10498,"confidence":0.98095703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09124750643968582},{"word":"that","start":477.10498,"end":477.50497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11288759112358092},{"word":"hester","start":477.50497,"end":477.985,"confidence":0.69750977,"punctuated_word":"Hester","sentiment":"neutral","sentiment_score":-0.15675722062587738},{"word":"holds","start":477.985,"end":478.485,"confidence":0.9902344,"punctuated_word":"holds","sentiment":"neutral","sentiment_score":-0.15971699357032776},{"word":"exposure","start":478.54498,"end":479.025,"confidence":0.9951172,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.13893990218639374},{"word":"to","start":479.025,"end":479.185,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13555598258972168},{"word":"unlisted","start":479.185,"end":479.685,"confidence":0.99609375,"punctuated_word":"unlisted","sentiment":"neutral","sentiment_score":-0.1785999834537506},{"word":"assets","start":479.745,"end":480.22498,"confidence":0.9873047,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.11025144904851912},{"word":"such","start":480.22498,"end":480.465,"confidence":0.79003906,"punctuated_word":"such","sentiment":"neutral","sentiment_score":-0.13918110728263855},{"word":"as","start":480.465,"end":480.625,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.13962632417678833},{"word":"property","start":480.625,"end":481.025,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.0961957648396492},{"word":"and","start":481.025,"end":481.345,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16276021301746368},{"word":"infrastructure","start":481.345,"end":481.845,"confidence":0.9836426,"punctuated_word":"infrastructure.","sentiment":"neutral","sentiment_score":-0.12069062888622284},{"word":"unlisted","start":483.50497,"end":484.00497,"confidence":0.810791,"punctuated_word":"Unlisted","sentiment":"neutral","sentiment_score":-0.211890310049057},{"word":"assets","start":484.065,"end":484.465,"confidence":0.9838867,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.17695394158363342},{"word":"are","start":484.465,"end":484.625,"confidence":0.984375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.208194300532341},{"word":"typically","start":484.625,"end":485.10498,"confidence":0.9980469,"punctuated_word":"typically","sentiment":"neutral","sentiment_score":-0.2440471649169922},{"word":"valued","start":485.10498,"end":485.60498,"confidence":1.0,"punctuated_word":"valued","sentiment":"negative","sentiment_score":-0.3618466258049011},{"word":"infrequently","start":485.985,"end":486.485,"confidence":0.97021484,"punctuated_word":"infrequently","sentiment":"neutral","sentiment_score":-0.2597689628601074},{"word":"rather","start":486.78497,"end":487.185,"confidence":0.9921875,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.28622469305992126},{"word":"than","start":487.185,"end":487.425,"confidence":0.9980469,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.26849672198295593},{"word":"daily","start":487.425,"end":487.925,"confidence":0.94921875,"punctuated_word":"daily,","sentiment":"negative","sentiment_score":-0.3436603546142578},{"word":"which","start":488.41,"end":488.65,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.2919995188713074},{"word":"does","start":488.65,"end":489.05,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.31325027346611023},{"word":"restrict","start":489.05,"end":489.55,"confidence":0.9921875,"punctuated_word":"restrict","sentiment":"negative","sentiment_score":-0.34589627385139465},{"word":"the","start":489.61,"end":489.77,"confidence":0.9970703,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3684212863445282},{"word":"pricing","start":489.77,"end":490.27,"confidence":0.9980469,"punctuated_word":"pricing","sentiment":"neutral","sentiment_score":-0.32935985922813416},{"word":"transparency","start":490.41,"end":490.91,"confidence":0.99316406,"punctuated_word":"transparency.","sentiment":"neutral","sentiment_score":-0.2757863700389862},{"word":"so","start":491.37,"end":491.87,"confidence":0.8239746,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.10033905506134032},{"word":"for","start":492.49,"end":492.73,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10404430329799652},{"word":"example","start":492.73,"end":493.21,"confidence":0.9951172,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.08584961295127869},{"word":"if","start":493.21,"end":493.37,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0554395467042923},{"word":"they","start":493.37,"end":493.61,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.0822848528623581},{"word":"hold","start":493.61,"end":493.85,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.05132463574409485},{"word":"an","start":493.85,"end":494.09,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.035450056195259094},{"word":"investment","start":494.09,"end":494.57,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.042566001415252686},{"word":"in","start":494.57,"end":494.73,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05266760289669037},{"word":"a","start":494.73,"end":494.89,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06194097921252251},{"word":"property","start":494.89,"end":495.39,"confidence":0.9970703,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.056359611451625824},{"word":"unlisted","start":495.77,"end":496.27,"confidence":0.92993164,"punctuated_word":"unlisted","sentiment":"neutral","sentiment_score":-0.08961425721645355},{"word":"fund","start":496.33,"end":496.83,"confidence":0.9328613,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.09213092923164368},{"word":"that","start":496.97,"end":497.21,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08375498652458191},{"word":"may","start":497.21,"end":497.45,"confidence":0.98291016,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.05722523480653763},{"word":"be","start":497.45,"end":497.61,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0931178778409958},{"word":"valued","start":497.61,"end":498.11,"confidence":1.0,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":-0.10445238649845125},{"word":"monthly","start":498.17,"end":498.65,"confidence":0.9970703,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":-0.003848683089017868},{"word":"or","start":498.65,"end":498.81,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.01712653785943985},{"word":"quarterly","start":498.81,"end":499.31,"confidence":0.9550781,"punctuated_word":"quarterly.","sentiment":"neutral","sentiment_score":0.01624351739883423},{"word":"so","start":499.37,"end":499.87,"confidence":0.814209,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.06789562106132507},{"word":"having","start":501.21,"end":501.61,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2185155749320984},{"word":"a","start":501.61,"end":502.11,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.261400043964386},{"word":"fully","start":502.525,"end":502.845,"confidence":0.99902344,"punctuated_word":"fully","sentiment":"positive","sentiment_score":0.3816237449645996},{"word":"liquid","start":502.845,"end":503.345,"confidence":1.0,"punctuated_word":"liquid","sentiment":"neutral","sentiment_score":0.31130558252334595},{"word":"and","start":503.405,"end":503.805,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3060433566570282},{"word":"daily","start":503.805,"end":504.285,"confidence":1.0,"punctuated_word":"daily","sentiment":"neutral","sentiment_score":0.3177327513694763},{"word":"unitized","start":504.285,"end":504.785,"confidence":0.97631836,"punctuated_word":"unitized","sentiment":"positive","sentiment_score":0.41948801279067993},{"word":"or","start":505.245,"end":505.745,"confidence":0.98535156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.30640169978141785},{"word":"priced","start":506.045,"end":506.525,"confidence":0.8569336,"punctuated_word":"priced","sentiment":"neutral","sentiment_score":0.24901507794857025},{"word":"fund","start":506.525,"end":507.025,"confidence":0.89453125,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.23310647904872897},{"word":"does","start":507.085,"end":507.585,"confidence":0.98828125,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2617217004299164},{"word":"provide","start":508.605,"end":509.005,"confidence":0.97802734,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.32842373847961426},{"word":"a","start":509.005,"end":509.085,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2799935042858124},{"word":"lot","start":509.085,"end":509.245,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.2177841514348984},{"word":"more","start":509.245,"end":509.565,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1899183094501495},{"word":"transparency","start":509.565,"end":510.065,"confidence":1.0,"punctuated_word":"transparency.","sentiment":"neutral","sentiment_score":0.07662598043680191},{"word":"the","start":513.165,"end":513.325,"confidence":0.99609375,"punctuated_word":"The","sentiment":"negative","sentiment_score":-0.3439411520957947},{"word":"downsides","start":513.325,"end":513.825,"confidence":0.9848633,"punctuated_word":"downsides","sentiment":"neutral","sentiment_score":-0.3224719166755676},{"word":"are","start":514.685,"end":514.765,"confidence":0.9980469,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.4238997101783752},{"word":"that","start":514.765,"end":515.265,"confidence":0.98291016,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4511275291442871},{"word":"the","start":516.24005,"end":516.56006,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5566864609718323},{"word":"hub","start":516.56006,"end":516.80005,"confidence":0.4753418,"punctuated_word":"hub","sentiment":"negative","sentiment_score":-0.4630317986011505},{"word":"twenty","start":516.80005,"end":517.12006,"confidence":0.9980469,"punctuated_word":"twenty","sentiment":"negative","sentiment_score":-0.5752572417259216},{"word":"four","start":517.12006,"end":517.44,"confidence":0.99902344,"punctuated_word":"four","sentiment":"negative","sentiment_score":-0.5784052610397339},{"word":"will","start":517.44,"end":517.68005,"confidence":0.9980469,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.4834679067134857},{"word":"cost","start":517.68005,"end":517.92004,"confidence":0.9980469,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.2730553448200226},{"word":"you","start":517.92004,"end":518.24005,"confidence":0.99609375,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.440973162651062},{"word":"proper","start":518.24005,"end":518.74005,"confidence":0.5493164,"punctuated_word":"proper...","sentiment":"negative","sentiment_score":-0.33965757489204407},{"word":"approximately","start":518.96,"end":519.46,"confidence":0.9980469,"punctuated_word":"Approximately","sentiment":"neutral","sentiment_score":-0.3290145993232727},{"word":"an","start":519.68005,"end":519.92004,"confidence":0.9902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.3252309560775757},{"word":"extra","start":519.92004,"end":520.24005,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.3170807659626007},{"word":"50","start":520.24005,"end":520.48004,"confidence":1.0,"punctuated_word":"50","sentiment":"neutral","sentiment_score":-0.31012195348739624},{"word":"$8","start":520.48004,"end":521.12006,"confidence":0.99609375,"punctuated_word":"$8","sentiment":"neutral","sentiment_score":-0.300645112991333},{"word":"per","start":521.12006,"end":521.62006,"confidence":0.96435547,"punctuated_word":"per...","sentiment":"neutral","sentiment_score":-0.27314430475234985},{"word":"you're","start":524.72003,"end":524.96,"confidence":0.8898926,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.2617591917514801},{"word":"absolutely","start":524.96,"end":525.44,"confidence":0.9980469,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.3845421373844147},{"word":"fine","start":525.44,"end":525.94,"confidence":0.99853516,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.24493779242038727},{"word":"it's","start":526.4,"end":526.56006,"confidence":0.9543457,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.07899251580238342},{"word":"gonna","start":526.56006,"end":526.88,"confidence":0.99121094,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.06499440968036652},{"word":"cost","start":526.88,"end":527.2,"confidence":0.99609375,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.08033190667629242},{"word":"approximately","start":527.2,"end":527.7,"confidence":0.99316406,"punctuated_word":"approximately","sentiment":"neutral","sentiment_score":-0.013409629464149477},{"word":"$58","start":527.92004,"end":528.765,"confidence":0.96520996,"punctuated_word":"$58","sentiment":"neutral","sentiment_score":0.05620822310447693},{"word":"per","start":528.84503,"end":529.16504,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.03905823826789856},{"word":"annum","start":529.16504,"end":529.485,"confidence":0.9465332,"punctuated_word":"annum","sentiment":"neutral","sentiment_score":0.02590113505721092},{"word":"more","start":529.485,"end":529.805,"confidence":0.9716797,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.03980632126331329},{"word":"in","start":529.805,"end":530.125,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.016720101237297058},{"word":"administration","start":530.125,"end":530.625,"confidence":1.0,"punctuated_word":"administration","sentiment":"neutral","sentiment_score":0.11474081873893738},{"word":"fees","start":531.085,"end":531.585,"confidence":0.9387207,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.2140133231878281},{"word":"but","start":532.365,"end":532.765,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.24635127186775208},{"word":"you","start":532.765,"end":533.005,"confidence":0.99121094,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.472542405128479},{"word":"will","start":533.005,"end":533.325,"confidence":1.0,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.48066961765289307},{"word":"have","start":533.325,"end":533.825,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4247997999191284},{"word":"enhanced","start":533.885,"end":534.385,"confidence":0.9902344,"punctuated_word":"enhanced","sentiment":"positive","sentiment_score":0.49535274505615234},{"word":"diversification","start":534.685,"end":535.185,"confidence":1.0,"punctuated_word":"diversification","sentiment":"positive","sentiment_score":0.5808713436126709},{"word":"and","start":535.645,"end":535.805,"confidence":0.9941406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4993936419486999},{"word":"a","start":535.805,"end":535.885,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5414465665817261},{"word":"lot","start":535.885,"end":536.125,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.4941090941429138},{"word":"more","start":536.125,"end":536.365,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.3700647950172424},{"word":"investment","start":536.365,"end":536.865,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.24844080209732056},{"word":"flexibility","start":537.16504,"end":537.66504,"confidence":0.9980469,"punctuated_word":"flexibility","sentiment":"neutral","sentiment_score":0.3043666481971741},{"word":"within","start":539.645,"end":540.04504,"confidence":0.9838867,"punctuated_word":"within","sentiment":"positive","sentiment_score":0.35069775581359863},{"word":"that","start":540.04504,"end":540.445,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2410992830991745},{"word":"fund","start":540.445,"end":540.945,"confidence":0.8808594,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.21423950791358948},{"word":"when","start":544.09,"end":544.33,"confidence":0.9873047,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.09024310857057571},{"word":"you","start":544.33,"end":544.49005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09631557017564774},{"word":"roll","start":544.49005,"end":544.81006,"confidence":0.9980469,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":-0.01800476759672165},{"word":"over","start":544.81006,"end":545.13,"confidence":0.7324219,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.05640178918838501},{"word":"or","start":545.13,"end":545.29004,"confidence":0.98535156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.13012005388736725},{"word":"sell","start":545.29004,"end":545.53,"confidence":0.9980469,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.11869077384471892},{"word":"out","start":545.53,"end":545.77,"confidence":0.9707031,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1448599398136139},{"word":"of","start":545.77,"end":545.85004,"confidence":0.984375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14667820930480957},{"word":"a","start":545.85004,"end":546.01,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10531803965568542},{"word":"superannuation","start":546.01,"end":546.51,"confidence":0.9921875,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.09312590211629868},{"word":"fund","start":546.81006,"end":547.13,"confidence":0.984375,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.11611148715019226},{"word":"there's","start":547.13,"end":547.45,"confidence":0.99609375,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.23308253288269043},{"word":"always","start":547.45,"end":547.85004,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.23432861268520355},{"word":"capital","start":547.85004,"end":548.25,"confidence":0.9951172,"punctuated_word":"capital","sentiment":"negative","sentiment_score":-0.4405595064163208},{"word":"gains","start":548.25,"end":548.57,"confidence":0.9892578,"punctuated_word":"gains","sentiment":"negative","sentiment_score":-0.3806958794593811},{"word":"tax","start":548.57,"end":548.89,"confidence":0.9951172,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.3068694472312927},{"word":"that's","start":548.89,"end":549.21,"confidence":0.99560547,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.27458056807518005},{"word":"incurred","start":549.21,"end":549.69,"confidence":0.9970703,"punctuated_word":"incurred","sentiment":"neutral","sentiment_score":-0.25404220819473267},{"word":"within","start":549.69,"end":550.01,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.24830231070518496},{"word":"the","start":550.01,"end":550.17004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2332242727279663},{"word":"fund","start":550.17004,"end":550.57,"confidence":0.9970703,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.2293655276298523},{"word":"depending","start":550.57,"end":551.05005,"confidence":0.9550781,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.14919736981391907},{"word":"on","start":551.05005,"end":551.53,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1926242709159851},{"word":"gross","start":551.53,"end":552.03,"confidence":0.6279297,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":-0.23707729578018188},{"word":"or","start":553.05005,"end":553.29004,"confidence":0.9472656,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.21088281273841855},{"word":"losses","start":553.29004,"end":553.79004,"confidence":0.9941406,"punctuated_word":"losses.","sentiment":"neutral","sentiment_score":-0.19276130199432373},{"word":"when","start":554.48505,"end":554.72504,"confidence":1.0,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.17199529707431793},{"word":"we","start":554.72504,"end":554.965,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13228480517864227},{"word":"roll","start":554.965,"end":555.28503,"confidence":0.95703125,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":-0.10463451594114304},{"word":"out","start":555.28503,"end":555.445,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.17134469747543335},{"word":"of","start":555.445,"end":555.685,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17961129546165466},{"word":"our","start":555.685,"end":555.92505,"confidence":0.5908203,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.16067898273468018},{"word":"industry","start":555.92505,"end":556.405,"confidence":0.99902344,"punctuated_word":"industry","sentiment":"neutral","sentiment_score":-0.1960863471031189},{"word":"funds","start":556.405,"end":556.805,"confidence":0.70458984,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.1460302472114563},{"word":"such","start":556.805,"end":557.205,"confidence":0.83251953,"punctuated_word":"such","sentiment":"neutral","sentiment_score":-0.08550640940666199},{"word":"as","start":557.205,"end":557.36505,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06636039167642593},{"word":"hesta","start":557.36505,"end":557.86505,"confidence":0.88720703,"punctuated_word":"HESTA,","sentiment":"neutral","sentiment_score":-0.08664080500602722},{"word":"we're","start":557.92505,"end":558.245,"confidence":0.9885254,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.26120516657829285},{"word":"not","start":558.245,"end":558.565,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2476496398448944},{"word":"able","start":558.565,"end":558.805,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.24262452125549316},{"word":"to","start":558.805,"end":559.305,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2605104148387909},{"word":"find","start":559.84503,"end":560.245,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.27553820610046387},{"word":"out","start":560.245,"end":560.72504,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.27901408076286316},{"word":"what","start":560.72504,"end":560.965,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.22862890362739563},{"word":"that","start":560.965,"end":561.205,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.260235458612442},{"word":"capital","start":561.205,"end":561.60504,"confidence":0.9970703,"punctuated_word":"capital","sentiment":"negative","sentiment_score":-0.4345696568489074},{"word":"gains","start":561.60504,"end":562.005,"confidence":0.9819336,"punctuated_word":"gains","sentiment":"negative","sentiment_score":-0.34897828102111816},{"word":"tax","start":562.005,"end":562.325,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.31359705328941345},{"word":"could","start":562.325,"end":562.48505,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.273677259683609},{"word":"be","start":562.48505,"end":562.805,"confidence":0.8413086,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":-0.19137634336948395},{"word":"whether","start":562.805,"end":563.125,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.07216205447912216},{"word":"it's","start":563.125,"end":563.36505,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.16968564689159393},{"word":"positive","start":563.36505,"end":563.86505,"confidence":1.0,"punctuated_word":"positive","sentiment":"neutral","sentiment_score":-0.05311623215675354},{"word":"or","start":563.92505,"end":564.085,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.17801502346992493},{"word":"negative","start":564.085,"end":564.585,"confidence":1.0,"punctuated_word":"negative","sentiment":"neutral","sentiment_score":-0.1397639811038971},{"word":"just","start":565.04504,"end":565.28503,"confidence":0.5385742,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.20457053184509277},{"word":"because","start":565.28503,"end":565.60504,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.17769259214401245},{"word":"of","start":565.60504,"end":565.765,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21265694499015808},{"word":"the","start":565.765,"end":565.92505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.26245370507240295},{"word":"way","start":565.92505,"end":566.42505,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.24875612556934357},{"word":"funds","start":566.70996,"end":567.02997,"confidence":0.9980469,"punctuated_word":"funds","sentiment":"negative","sentiment_score":-0.36814552545547485},{"word":"are","start":567.02997,"end":567.47,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2108667194843292},{"word":"invested","start":567.47,"end":567.91,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.2678939998149872},{"word":"in","start":567.91,"end":568.41,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2730671465396881},{"word":"industry","start":569.99,"end":570.47,"confidence":0.88720703,"punctuated_word":"industry","sentiment":"neutral","sentiment_score":-0.26580649614334106},{"word":"funds","start":570.47,"end":570.79,"confidence":0.9523926,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":-0.2304190695285797},{"word":"so","start":570.79,"end":571.29,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11071473360061646},{"word":"your","start":571.51,"end":571.75,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.10826010257005692},{"word":"money","start":571.75,"end":572.07,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.11176304519176485},{"word":"is","start":572.07,"end":572.23,"confidence":0.6196289,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09717656672000884},{"word":"invested","start":572.23,"end":572.70996,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.1393660008907318},{"word":"in","start":572.70996,"end":572.87,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10434448719024658},{"word":"what's","start":572.87,"end":573.11,"confidence":0.9975586,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.07373309880495071},{"word":"called","start":573.11,"end":573.35,"confidence":0.99316406,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.08104600757360458},{"word":"a","start":573.35,"end":573.51,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09822814166545868},{"word":"pooled","start":573.51,"end":574.01,"confidence":0.89453125,"punctuated_word":"pooled","sentiment":"neutral","sentiment_score":-0.1027393490076065},{"word":"tax","start":574.23,"end":574.55,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.08513517677783966},{"word":"structure","start":574.55,"end":575.05,"confidence":0.94921875,"punctuated_word":"structure.","sentiment":"neutral","sentiment_score":-0.15478459000587463},{"word":"so","start":575.83,"end":576.33,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.061914414167404175},{"word":"rather","start":577.19,"end":577.51,"confidence":0.9633789,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.07629995048046112},{"word":"than","start":577.51,"end":577.75,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.0806436613202095},{"word":"owning","start":577.75,"end":578.23,"confidence":0.97509766,"punctuated_word":"owning","sentiment":"neutral","sentiment_score":-0.08855946362018585},{"word":"individual","start":578.23,"end":578.73,"confidence":1.0,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":-0.09367379546165466},{"word":"investments","start":579.02997,"end":579.52997,"confidence":0.98828125,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.06190132349729538},{"word":"you'll","start":580.33496,"end":580.57495,"confidence":0.80908203,"punctuated_word":"you'll...","sentiment":"neutral","sentiment_score":-0.0520414263010025},{"word":"you","start":580.57495,"end":580.975,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.04732556641101837},{"word":"own","start":580.975,"end":581.295,"confidence":0.9941406,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.04081866145133972},{"word":"a","start":581.295,"end":581.615,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03829054534435272},{"word":"share","start":581.615,"end":582.01495,"confidence":1.0,"punctuated_word":"share","sentiment":"neutral","sentiment_score":-0.04358894005417824},{"word":"of","start":582.01495,"end":582.25494,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.046790022403001785},{"word":"those","start":582.25494,"end":582.735,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.059403710067272186},{"word":"investments","start":582.735,"end":583.235,"confidence":0.9851074,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":-0.037976689636707306},{"word":"so","start":583.295,"end":583.615,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.015279904007911682},{"word":"what","start":583.615,"end":583.855,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0015670210123062134},{"word":"happens","start":583.855,"end":584.25494,"confidence":0.99902344,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.010083019733428957},{"word":"when","start":584.25494,"end":584.415,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.002794027328491211},{"word":"you","start":584.415,"end":584.57495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.003687184303998947},{"word":"roll","start":584.57495,"end":584.81494,"confidence":0.8442383,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":-0.007177144289016724},{"word":"out","start":584.81494,"end":585.21497,"confidence":0.9941406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.01619385927915573},{"word":"is","start":585.21497,"end":585.45496,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01448553055524826},{"word":"the","start":585.45496,"end":585.95496,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04424906522035599},{"word":"super","start":587.055,"end":587.535,"confidence":0.94970703,"punctuated_word":"super...","sentiment":"neutral","sentiment_score":-0.034071773290634155},{"word":"the","start":587.535,"end":587.855,"confidence":0.9658203,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.18831345438957217},{"word":"industry","start":587.855,"end":588.25494,"confidence":0.98291016,"punctuated_word":"industry","sentiment":"neutral","sentiment_score":-0.19239014387130737},{"word":"superannuation","start":588.25494,"end":588.75494,"confidence":0.99332684,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.17182298004627228},{"word":"fund","start":588.975,"end":589.295,"confidence":0.99316406,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.17965419590473175},{"word":"will","start":589.295,"end":589.535,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.13276821374893188},{"word":"apply","start":589.535,"end":590.035,"confidence":1.0,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":-0.11695584654808044},{"word":"whatever","start":590.095,"end":590.495,"confidence":0.9941406,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":-0.10721825808286668},{"word":"capital","start":590.495,"end":590.975,"confidence":0.9892578,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.2592068612575531},{"word":"gains","start":590.975,"end":591.295,"confidence":0.96435547,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.12313227355480194},{"word":"is","start":591.295,"end":591.45496,"confidence":0.90771484,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.14441025257110596},{"word":"applicable","start":591.45496,"end":591.95496,"confidence":0.93847656,"punctuated_word":"applicable,","sentiment":"neutral","sentiment_score":-0.15639707446098328},{"word":"but","start":592.01495,"end":592.175,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1275563687086105},{"word":"we're","start":592.175,"end":592.415,"confidence":0.98339844,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.2264815866947174},{"word":"not","start":592.415,"end":592.65497,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.21506690979003903},{"word":"able","start":592.65497,"end":592.975,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.25435906648635864},{"word":"to","start":592.975,"end":593.475,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2643434703350067},{"word":"detail","start":594.2,"end":594.6,"confidence":0.99902344,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":-0.2581574618816376},{"word":"what","start":594.6,"end":594.84,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.22318007051944733},{"word":"that","start":594.84,"end":595.08,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.22977755963802335},{"word":"actually","start":595.08,"end":595.4,"confidence":0.9951172,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.23365454375743863},{"word":"is","start":595.4,"end":595.9,"confidence":0.9770508,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.18563491106033325},{"word":"so","start":596.52,"end":596.76,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1374177634716034},{"word":"that's","start":596.76,"end":597.0,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.13536250591278076},{"word":"just","start":597.0,"end":597.24,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15374501049518585},{"word":"something","start":597.24,"end":597.72003,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.16505372524261477},{"word":"to","start":597.72003,"end":597.96,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2128232717514038},{"word":"be","start":597.96,"end":598.04,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.20654341578483584},{"word":"aware","start":598.04,"end":598.44,"confidence":1.0,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":-0.1963932067155838},{"word":"of","start":598.44,"end":598.94,"confidence":0.9975586,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":-0.13167792558670044},{"word":"how","start":601.64,"end":602.14,"confidence":0.84277344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.01563975401222706},{"word":"we","start":602.28,"end":602.78,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01947513222694397},{"word":"will","start":603.88,"end":604.38,"confidence":0.9941406,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.014596305787563324},{"word":"do","start":604.44,"end":604.94,"confidence":0.9980469,"punctuated_word":"do...","sentiment":"neutral","sentiment_score":0.011439593508839607},{"word":"how","start":605.08,"end":605.24,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.053087085485458374},{"word":"we","start":605.24,"end":605.48,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06451281905174255},{"word":"recommend","start":605.48,"end":605.98,"confidence":0.99902344,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.13559991121292114},{"word":"it","start":606.04,"end":606.54,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08792660385370255},{"word":"occur","start":607.64,"end":608.14,"confidence":0.9941406,"punctuated_word":"occur","sentiment":"neutral","sentiment_score":0.11866368353366852},{"word":"is","start":608.63495,"end":608.875,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07007001340389252},{"word":"that","start":608.875,"end":608.95496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07181267440319061},{"word":"we","start":608.95496,"end":609.19495,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11109233647584917},{"word":"will","start":609.19495,"end":609.435,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07522298395633698},{"word":"roll","start":609.435,"end":609.755,"confidence":0.9980469,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.08464844524860382},{"word":"over","start":609.755,"end":610.255,"confidence":0.76171875,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.05369623005390167},{"word":"partially","start":611.915,"end":612.415,"confidence":0.89453125,"punctuated_word":"partially","sentiment":"neutral","sentiment_score":0.08329953253269196},{"word":"most","start":612.475,"end":612.71497,"confidence":0.94189453,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.0621788427233696},{"word":"of","start":612.71497,"end":612.875,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05623314902186394},{"word":"your","start":612.875,"end":613.115,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08011990785598755},{"word":"hesta","start":613.115,"end":613.595,"confidence":0.8844401,"punctuated_word":"HESTA","sentiment":"neutral","sentiment_score":0.05052976310253143},{"word":"superannuation","start":613.595,"end":614.095,"confidence":0.98779297,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.07980241626501083},{"word":"with","start":614.475,"end":614.795,"confidence":0.9658203,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07942216098308563},{"word":"10,000","start":614.795,"end":615.51495,"confidence":1.0,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.15407896041870117},{"word":"being","start":615.51495,"end":615.83496,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.07384178042411804},{"word":"retained","start":615.83496,"end":616.235,"confidence":0.99902344,"punctuated_word":"retained","sentiment":"neutral","sentiment_score":0.07551689445972443},{"word":"in","start":616.235,"end":616.39496,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07108499854803085},{"word":"hesta","start":616.39496,"end":616.89496,"confidence":0.9951172,"punctuated_word":"HESTA","sentiment":"neutral","sentiment_score":0.06364947557449341},{"word":"until","start":617.51495,"end":617.915,"confidence":0.9819336,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.06655043363571167},{"word":"we're","start":617.915,"end":618.235,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07363858819007874},{"word":"able","start":618.235,"end":618.555,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.07178262621164322},{"word":"to","start":618.555,"end":618.795,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07524744421243668},{"word":"transfer","start":618.795,"end":619.295,"confidence":1.0,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.08957573771476746},{"word":"over","start":619.435,"end":619.755,"confidence":0.9980469,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.0833611860871315},{"word":"your","start":619.755,"end":619.995,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06282160431146622},{"word":"existing","start":619.995,"end":620.495,"confidence":1.0,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":0.061129018664360046},{"word":"insurance","start":620.555,"end":621.055,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.035438172519207},{"word":"policies","start":621.115,"end":621.595,"confidence":0.9980469,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.03664570301771164},{"word":"within","start":621.595,"end":621.995,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.06663959473371506},{"word":"hesta","start":621.995,"end":622.495,"confidence":0.99853516,"punctuated_word":"HESTA.","sentiment":"neutral","sentiment_score":0.06487393379211426},{"word":"once","start":623.11,"end":623.35004,"confidence":0.9980469,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.06414433568716049},{"word":"those","start":623.35004,"end":623.59,"confidence":0.9970703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1116841435432434},{"word":"insurance","start":623.59,"end":624.09,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.06616907566785812},{"word":"policies","start":624.23004,"end":624.71,"confidence":0.99902344,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.07002177834510803},{"word":"are","start":624.71,"end":624.95,"confidence":0.9863281,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0735548883676529},{"word":"transferred","start":624.95,"end":625.45,"confidence":1.0,"punctuated_word":"transferred","sentiment":"neutral","sentiment_score":0.12657751142978668},{"word":"over","start":625.51,"end":625.83,"confidence":0.99658203,"punctuated_word":"over,","sentiment":"neutral","sentiment_score":0.08035595715045929},{"word":"we'll","start":625.83,"end":626.07,"confidence":0.99609375,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.06249837577342987},{"word":"then","start":626.07,"end":626.31,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07213596254587173},{"word":"do","start":626.31,"end":626.47003,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.057434603571891785},{"word":"a","start":626.47003,"end":626.71,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06889671087265015},{"word":"full","start":626.71,"end":626.95,"confidence":0.99902344,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.11159718036651611},{"word":"rollover","start":626.95,"end":627.45,"confidence":0.9511719,"punctuated_word":"rollover","sentiment":"neutral","sentiment_score":0.07549793273210526},{"word":"of","start":628.31,"end":628.47003,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0395360141992569},{"word":"the","start":628.47003,"end":628.63,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025407470762729645},{"word":"remaining","start":628.63,"end":629.13,"confidence":1.0,"punctuated_word":"remaining","sentiment":"neutral","sentiment_score":0.03641265630722046},{"word":"funds","start":629.19,"end":629.69,"confidence":0.9921875,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.027578219771385193},{"word":"closing","start":629.75,"end":630.15,"confidence":0.58203125,"punctuated_word":"closing","sentiment":"neutral","sentiment_score":0.05227530002593994},{"word":"the","start":630.15,"end":630.39,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028994690626859665},{"word":"hesta","start":630.39,"end":630.79004,"confidence":0.9977214,"punctuated_word":"HESTA","sentiment":"neutral","sentiment_score":0.033542804419994354},{"word":"funds","start":630.79004,"end":631.29004,"confidence":0.85498047,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.03673271834850311},{"word":"the","start":634.31,"end":634.63,"confidence":0.85253906,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.12146809697151184},{"word":"outcomes","start":634.63,"end":635.13,"confidence":0.98828125,"punctuated_word":"outcomes","sentiment":"neutral","sentiment_score":0.12064488977193832},{"word":"are","start":635.27,"end":635.77,"confidence":0.9790039,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11308889091014862},{"word":"that","start":636.07,"end":636.57,"confidence":0.9350586,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1570046991109848},{"word":"investment","start":637.19,"end":637.69,"confidence":0.8769531,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.09464622288942336},{"word":"fee","start":637.91003,"end":638.23004,"confidence":0.96533203,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.14063408970832825},{"word":"wise","start":638.23004,"end":638.73004,"confidence":0.97924805,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.12352626025676729},{"word":"the","start":638.925,"end":639.08496,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1573638617992401},{"word":"hub24","start":639.08496,"end":639.58496,"confidence":0.7519531,"punctuated_word":"HUB24","sentiment":"neutral","sentiment_score":0.12959782779216766},{"word":"portfolio","start":639.96497,"end":640.46497,"confidence":0.9951172,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.06231129914522171},{"word":"is","start":641.08496,"end":641.325,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08413836359977722},{"word":"less","start":641.325,"end":641.825,"confidence":0.87158203,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":0.06748988479375839},{"word":"so","start":642.445,"end":642.765,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.004003278911113739},{"word":"your","start":642.765,"end":643.005,"confidence":0.97314453,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02703554928302765},{"word":"investment","start":643.005,"end":643.505,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.0173095241189003},{"word":"management","start":643.96497,"end":644.46497,"confidence":0.9970703,"punctuated_word":"management","sentiment":"neutral","sentiment_score":-0.06263227760791779},{"word":"fees","start":644.765,"end":645.265,"confidence":0.8083496,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":-0.01615731045603752},{"word":"but","start":645.40497,"end":645.64496,"confidence":0.97509766,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.033193666487932205},{"word":"the","start":645.64496,"end":645.805,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07940606772899628},{"word":"admin","start":645.805,"end":646.285,"confidence":0.99902344,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":-0.07183350622653961},{"word":"fees","start":646.285,"end":646.605,"confidence":0.9941406,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.07615503668785095},{"word":"are","start":646.605,"end":646.845,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.11294486373662949},{"word":"higher","start":646.845,"end":647.245,"confidence":0.92822266,"punctuated_word":"higher,","sentiment":"neutral","sentiment_score":-0.04129498451948166},{"word":"which","start":647.245,"end":647.485,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.0017104148864746094},{"word":"i'll","start":647.485,"end":647.885,"confidence":0.99609375,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0063125332817435265},{"word":"talk","start":647.885,"end":648.125,"confidence":0.9980469,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.0043434277176856995},{"word":"you","start":648.125,"end":648.285,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.019527535885572433},{"word":"through","start":648.285,"end":648.685,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.017517056316137314},{"word":"shot","start":648.685,"end":649.08496,"confidence":0.49609375,"punctuated_word":"shot...","sentiment":"neutral","sentiment_score":-0.0009759217500686646},{"word":"shortly","start":649.08496,"end":649.58496,"confidence":0.99853516,"punctuated_word":"Shortly.","sentiment":"neutral","sentiment_score":-0.05031786113977432},{"word":"the","start":652.56,"end":653.06,"confidence":0.98535156,"punctuated_word":"The","sentiment":"negative","sentiment_score":-0.3522690236568451},{"word":"disadvantages","start":656.8,"end":657.3,"confidence":0.8642578,"punctuated_word":"disadvantages","sentiment":"negative","sentiment_score":-0.34143662452697754},{"word":"is","start":658.64,"end":659.14,"confidence":0.9350586,"punctuated_word":"is,","sentiment":"negative","sentiment_score":-0.4019356966018677},{"word":"as","start":659.52,"end":659.76,"confidence":1.0,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.4098827838897705},{"word":"i","start":659.76,"end":659.84,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4236586093902588},{"word":"mentioned","start":659.84,"end":660.32,"confidence":0.99560547,"punctuated_word":"mentioned,","sentiment":"negative","sentiment_score":-0.3555155396461487},{"word":"the","start":660.32,"end":660.48,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4295431077480316},{"word":"higher","start":660.48,"end":660.98,"confidence":0.9941406,"punctuated_word":"higher","sentiment":"negative","sentiment_score":-0.41088926792144775},{"word":"administration","start":661.04,"end":661.54,"confidence":1.0,"punctuated_word":"administration","sentiment":"negative","sentiment_score":-0.5749350190162659},{"word":"fees","start":661.92,"end":662.24,"confidence":0.86621094,"punctuated_word":"fees","sentiment":"negative","sentiment_score":-0.48871782422065735},{"word":"of","start":662.24,"end":662.48,"confidence":0.94921875,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.419811874628067},{"word":"$58","start":662.48,"end":663.44,"confidence":0.9995117,"punctuated_word":"$58","sentiment":"negative","sentiment_score":-0.4599035978317261},{"word":"per","start":663.44,"end":663.76,"confidence":0.99902344,"punctuated_word":"per","sentiment":"negative","sentiment_score":-0.43182095885276794},{"word":"annum","start":663.76,"end":664.26,"confidence":0.9059245,"punctuated_word":"annum.","sentiment":"negative","sentiment_score":-0.4696617722511291},{"word":"we","start":664.845,"end":665.005,"confidence":1.0,"punctuated_word":"We","sentiment":"negative","sentiment_score":-0.346917986869812},{"word":"will","start":665.005,"end":665.32495,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.2749362587928772},{"word":"apply","start":665.32495,"end":665.725,"confidence":0.99902344,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":-0.29195767641067505},{"word":"an","start":665.725,"end":665.885,"confidence":0.9941406,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.33652636408805847},{"word":"ongoing","start":665.885,"end":666.385,"confidence":0.9970703,"punctuated_word":"ongoing","sentiment":"negative","sentiment_score":-0.3416629433631897},{"word":"adviser","start":666.445,"end":666.945,"confidence":0.8935547,"punctuated_word":"adviser","sentiment":"negative","sentiment_score":-0.4250528812408447},{"word":"fee","start":667.005,"end":667.505,"confidence":0.9375,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":-0.27846044301986694},{"word":"which","start":668.365,"end":668.605,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.09908746182918549},{"word":"i","start":668.605,"end":668.76495,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1067420244216919},{"word":"will","start":668.76495,"end":669.08496,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.06796516478061676},{"word":"talk","start":669.08496,"end":669.245,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.057036228477954865},{"word":"you","start":669.245,"end":669.485,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04017318785190582},{"word":"through","start":669.485,"end":669.725,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.04795175790786743},{"word":"as","start":669.725,"end":669.885,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.08678750693798065},{"word":"well","start":669.885,"end":670.385,"confidence":0.9785156,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.11897262930870056},{"word":"later","start":670.845,"end":671.165,"confidence":1.0,"punctuated_word":"later","sentiment":"neutral","sentiment_score":-0.14842882752418518},{"word":"on","start":671.165,"end":671.32495,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.10974862426519394},{"word":"in","start":671.32495,"end":671.485,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0946083590388298},{"word":"the","start":671.485,"end":671.64496,"confidence":0.9472656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17136205732822418},{"word":"document","start":671.64496,"end":672.14496,"confidence":0.795166,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":-0.22155731916427612},{"word":"and","start":672.76495,"end":673.08496,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.219127357006073},{"word":"that","start":673.08496,"end":673.58496,"confidence":0.9350586,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.18533608317375183},{"word":"the","start":673.725,"end":673.96497,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24696925282478333},{"word":"recommended","start":673.96497,"end":674.46497,"confidence":1.0,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":-0.1813824027776718},{"word":"portfolio","start":674.685,"end":675.185,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"negative","sentiment_score":-0.3847147524356842},{"word":"that","start":675.485,"end":675.725,"confidence":0.97314453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.22631379961967468},{"word":"i'm","start":675.725,"end":675.96497,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.19510410726070404},{"word":"making","start":675.96497,"end":676.285,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.07657276093959808},{"word":"a","start":676.285,"end":676.445,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1417035311460495},{"word":"recommendation","start":676.445,"end":676.945,"confidence":0.99902344,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":-0.11469438672065736},{"word":"does","start":677.32495,"end":677.565,"confidence":0.99316406,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.15214551985263824},{"word":"have","start":677.565,"end":677.805,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2683684527873993},{"word":"a","start":677.805,"end":677.96497,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3282262086868286},{"word":"higher","start":677.96497,"end":678.285,"confidence":0.9980469,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.284341037273407},{"word":"allocation","start":678.285,"end":678.785,"confidence":0.99316406,"punctuated_word":"allocation","sentiment":"negative","sentiment_score":-0.3998715579509735},{"word":"to","start":678.925,"end":679.165,"confidence":0.99316406,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.43178075551986694},{"word":"growth","start":679.165,"end":679.485,"confidence":0.9267578,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.3132585883140564},{"word":"assets","start":679.485,"end":679.985,"confidence":0.8605957,"punctuated_word":"assets,","sentiment":"negative","sentiment_score":-0.3944869041442871},{"word":"which","start":680.59,"end":680.83,"confidence":1.0,"punctuated_word":"which","sentiment":"negative","sentiment_score":-0.3631107807159424},{"word":"does","start":680.83,"end":681.33,"confidence":0.95410156,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.2951480448246002},{"word":"expose","start":681.39,"end":681.87,"confidence":0.93603516,"punctuated_word":"expose","sentiment":"negative","sentiment_score":-0.4040121138095856},{"word":"you","start":681.87,"end":682.11,"confidence":0.99902344,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.43473419547080994},{"word":"to","start":682.11,"end":682.35,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.31398138403892517},{"word":"more","start":682.35,"end":682.67,"confidence":0.9980469,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.3865581452846527},{"word":"market","start":682.67,"end":683.15,"confidence":1.0,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.5495427250862122},{"word":"volatility","start":683.15,"end":683.65,"confidence":1.0,"punctuated_word":"volatility","sentiment":"negative","sentiment_score":-0.361773818731308},{"word":"and","start":683.79,"end":684.11,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4570806324481964},{"word":"fluctuations","start":684.11,"end":684.61,"confidence":0.9980469,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":-0.3098922371864319},{"word":"over","start":685.31,"end":685.55,"confidence":0.97314453,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.32321834564208984},{"word":"time","start":685.55,"end":686.05,"confidence":0.9428711,"punctuated_word":"time.","sentiment":"negative","sentiment_score":-0.3666330575942993},{"word":"it","start":690.91,"end":691.15,"confidence":0.84472656,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.01952434331178665},{"word":"does","start":691.15,"end":691.55,"confidence":0.9802246,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":-0.04231768101453781},{"word":"so","start":691.55,"end":691.79,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04108424857258797},{"word":"compared","start":691.79,"end":692.27,"confidence":0.9873047,"punctuated_word":"compared","sentiment":"neutral","sentiment_score":-0.04084840044379234},{"word":"to","start":692.27,"end":692.43,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0209696963429451},{"word":"your","start":692.43,"end":692.67,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05144299566745758},{"word":"hesta","start":692.67,"end":693.17,"confidence":0.94470215,"punctuated_word":"HESTA,","sentiment":"neutral","sentiment_score":-0.04474058002233505},{"word":"it","start":695.385,"end":695.625,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0318993479013443},{"word":"is","start":695.625,"end":696.125,"confidence":1.0,"punctuated_word":"is...","sentiment":"neutral","sentiment_score":-0.041409026831388474},{"word":"let","start":696.34503,"end":696.585,"confidence":0.9980469,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.053457025438547134},{"word":"me","start":696.585,"end":696.74506,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.05255461484193802},{"word":"get","start":696.74506,"end":696.98505,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.07066380977630615},{"word":"that","start":696.98505,"end":697.145,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06191151589155197},{"word":"exact","start":697.145,"end":697.465,"confidence":0.9038086,"punctuated_word":"exact","sentiment":"neutral","sentiment_score":-0.06632309406995773},{"word":"figure","start":697.465,"end":697.78503,"confidence":0.9526367,"punctuated_word":"figure.","sentiment":"neutral","sentiment_score":-0.03800651431083679},{"word":"it's","start":697.78503,"end":697.865,"confidence":0.9941406,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.03288146108388901},{"word":"a","start":697.865,"end":697.945,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04351789131760597},{"word":"little","start":697.945,"end":698.10504,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.05152364447712898},{"word":"bit","start":698.10504,"end":698.265,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06437408924102783},{"word":"further","start":698.265,"end":698.505,"confidence":1.0,"punctuated_word":"further","sentiment":"neutral","sentiment_score":-0.05601556599140167},{"word":"in","start":698.505,"end":698.585,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03810885921120643},{"word":"the","start":698.585,"end":698.74506,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03901946544647217},{"word":"document","start":698.74506,"end":699.145,"confidence":0.80200195,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":-0.03823774680495262},{"word":"but","start":699.145,"end":699.30505,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.020101919770240784},{"word":"while","start":699.30505,"end":699.54504,"confidence":0.9951172,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.008872546255588531},{"word":"we're","start":699.54504,"end":699.625,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.006617601960897446},{"word":"here","start":699.625,"end":699.945,"confidence":0.9338379,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.00411636009812355},{"word":"i'll","start":699.945,"end":700.265,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.009790543466806412},{"word":"discuss","start":700.265,"end":700.66504,"confidence":0.99609375,"punctuated_word":"discuss","sentiment":"neutral","sentiment_score":0.005320839583873749},{"word":"it","start":700.66504,"end":701.16504,"confidence":0.99658203,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.014532774686813354},{"word":"so","start":701.465,"end":701.965,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02094891667366028},{"word":"your","start":702.42505,"end":702.92505,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0691583901643753},{"word":"current","start":702.98505,"end":703.48505,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.11435981839895248},{"word":"portfolio","start":703.54504,"end":704.04504,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.12479373067617416},{"word":"with","start":704.265,"end":704.505,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.06977996230125427},{"word":"hesta","start":704.505,"end":705.005,"confidence":0.99934894,"punctuated_word":"HESTA","sentiment":"neutral","sentiment_score":-0.07311224192380905},{"word":"has","start":705.22504,"end":705.465,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.141136035323143},{"word":"about","start":705.465,"end":705.945,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1385762244462967},{"word":"66%","start":705.945,"end":707.085,"confidence":0.9996745,"punctuated_word":"66%","sentiment":"neutral","sentiment_score":-0.12121040374040604},{"word":"exposure","start":707.22504,"end":707.72504,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.13580560684204102},{"word":"to","start":707.945,"end":708.265,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1602412462234497},{"word":"growth","start":708.265,"end":708.66504,"confidence":0.9550781,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.12813465297222135},{"word":"assets","start":708.66504,"end":709.16504,"confidence":0.92578125,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":-0.12735965847969055},{"word":"which","start":710.56,"end":711.04004,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.15501151978969574},{"word":"which","start":711.04004,"end":711.28,"confidence":0.9980469,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.19389712810516355},{"word":"doesn't","start":711.28,"end":711.76,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.22662284970283508},{"word":"really","start":711.76,"end":712.0,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.19121047854423523},{"word":"fit","start":712.0,"end":712.32,"confidence":0.9980469,"punctuated_word":"fit","sentiment":"neutral","sentiment_score":-0.142598956823349},{"word":"with","start":712.32,"end":712.48004,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.22640445828437805},{"word":"your","start":712.48004,"end":712.72003,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.27331241965293884},{"word":"high","start":712.72003,"end":712.96,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.1928711235523224},{"word":"growth","start":712.96,"end":713.44,"confidence":0.88427734,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.2284996211528778},{"word":"investment","start":713.44,"end":713.94,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.2596265971660614},{"word":"approach","start":717.04004,"end":717.54004,"confidence":0.91503906,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":-0.24334359169006348},{"word":"and","start":719.12,"end":719.52,"confidence":0.7441406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16204509139060974},{"word":"and","start":719.52,"end":719.84,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13129623234272003},{"word":"34%","start":719.84,"end":720.88,"confidence":0.98567706,"punctuated_word":"34%","sentiment":"neutral","sentiment_score":-0.1308157444000244},{"word":"in","start":720.88,"end":721.04004,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.19248592853546145},{"word":"defensive","start":721.04004,"end":721.54004,"confidence":0.9873047,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.2624656856060028},{"word":"assets","start":721.68,"end":722.115,"confidence":0.9980469,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":-0.16013263165950775},{"word":"our","start":722.355,"end":722.595,"confidence":0.99902344,"punctuated_word":"Our","sentiment":"neutral","sentiment_score":-0.07464326918125153},{"word":"portfolio","start":722.595,"end":723.095,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.0976053774356842},{"word":"is","start":723.475,"end":723.795,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04271940886974335},{"word":"recommending","start":723.795,"end":724.295,"confidence":1.0,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":-0.050604961812496185},{"word":"approximately","start":724.515,"end":725.015,"confidence":0.9921875,"punctuated_word":"approximately","sentiment":"neutral","sentiment_score":-0.03976523131132126},{"word":"94%","start":725.395,"end":726.355,"confidence":0.99934894,"punctuated_word":"94%","sentiment":"neutral","sentiment_score":-0.018566373735666275},{"word":"in","start":726.355,"end":726.595,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09398001432418825},{"word":"growth","start":726.595,"end":726.915,"confidence":0.75390625,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.005399256944656372},{"word":"assets","start":726.915,"end":727.415,"confidence":0.9980469,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.06648960709571838},{"word":"with","start":727.475,"end":727.71497,"confidence":0.9223633,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08832217752933502},{"word":"about","start":727.71497,"end":728.21497,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.10009827464818954},{"word":"6%","start":728.27496,"end":729.095,"confidence":1.0,"punctuated_word":"6%","sentiment":"neutral","sentiment_score":-0.07028655707836151},{"word":"in","start":729.15497,"end":729.635,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13609416782855988},{"word":"defensive","start":729.635,"end":730.135,"confidence":0.99902344,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.19823381304740903},{"word":"assets","start":730.27496,"end":730.77496,"confidence":0.78637695,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":-0.13327285647392273},{"word":"so","start":731.395,"end":731.895,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04435209929943085},{"word":"sitting","start":732.27496,"end":732.515,"confidence":0.95410156,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.03051476925611496},{"word":"towards","start":732.515,"end":732.995,"confidence":0.9970703,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":-0.0816924199461937},{"word":"more","start":732.995,"end":733.235,"confidence":0.9970703,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.064134880900383},{"word":"that","start":733.235,"end":733.475,"confidence":0.5566406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.056271135807037354},{"word":"high","start":733.475,"end":733.71497,"confidence":0.9970703,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.04709382355213165},{"word":"growth","start":733.71497,"end":734.035,"confidence":0.8964844,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.027168959379196167},{"word":"investment","start":734.035,"end":734.535,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.10307067632675172},{"word":"option","start":734.675,"end":735.175,"confidence":0.9682617,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":-0.11592717468738556},{"word":"does","start":737.93,"end":738.08997,"confidence":0.9980469,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.06710408627986908},{"word":"that","start":738.08997,"end":738.25,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10864105075597764},{"word":"make","start":738.25,"end":738.75,"confidence":0.9892578,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06825639307498932},{"word":"sense","start":739.85,"end":740.35,"confidence":1.0,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.09851764142513277},{"word":"lovely","start":741.44995,"end":741.94995,"confidence":0.99560547,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.4467894434928894},{"word":"i","start":743.37,"end":743.61,"confidence":0.6689453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.235983282327652},{"word":"did","start":743.61,"end":743.85,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.24520868062973025},{"word":"consider","start":743.85,"end":744.32996,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.1309213787317276},{"word":"some","start":744.32996,"end":744.73,"confidence":0.9892578,"punctuated_word":"some...","sentiment":"neutral","sentiment_score":0.189663827419281},{"word":"i","start":744.73,"end":744.81,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15650491416454315},{"word":"did","start":744.81,"end":745.05,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.09664659947156906},{"word":"consider","start":745.05,"end":745.55,"confidence":0.99902344,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.005039826035499573},{"word":"retaining","start":745.76996,"end":746.25,"confidence":0.9863281,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":0.0361635684967041},{"word":"your","start":746.25,"end":746.49,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03832824528217316},{"word":"hesta","start":746.49,"end":746.99,"confidence":0.9119466,"punctuated_word":"HESTA","sentiment":"neutral","sentiment_score":0.033164381980895996},{"word":"fund","start":747.61,"end":748.11,"confidence":0.9326172,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.03112170845270157},{"word":"and","start":748.49,"end":748.99,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09506842494010924},{"word":"investing","start":749.37,"end":749.85,"confidence":0.99902344,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.04595305770635605},{"word":"it","start":749.85,"end":750.08997,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05478827655315399},{"word":"in","start":750.08997,"end":750.25,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.008566170930862427},{"word":"a","start":750.25,"end":750.49,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05356757342815399},{"word":"high","start":750.49,"end":750.88995,"confidence":0.9980469,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.017142757773399353},{"word":"growth","start":750.88995,"end":751.38995,"confidence":0.9506836,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.10456185042858124},{"word":"option","start":751.61,"end":752.11,"confidence":0.99853516,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":0.021340403705835342},{"word":"basically","start":754.425,"end":754.925,"confidence":0.98657227,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":-0.20222234725952148},{"word":"i","start":755.145,"end":755.545,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2812948226928711},{"word":"decided","start":755.545,"end":756.025,"confidence":0.9863281,"punctuated_word":"decided","sentiment":"neutral","sentiment_score":-0.2988308072090149},{"word":"against","start":756.025,"end":756.34503,"confidence":0.9980469,"punctuated_word":"against","sentiment":"negative","sentiment_score":-0.3666474223136902},{"word":"that","start":756.34503,"end":756.585,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.28157857060432434},{"word":"because","start":756.585,"end":756.985,"confidence":0.94384766,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2174343764781952},{"word":"you","start":756.985,"end":757.305,"confidence":0.9472656,"punctuated_word":"you...","sentiment":"neutral","sentiment_score":-0.18191687762737271},{"word":"again","start":757.305,"end":757.625,"confidence":0.9975586,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":-0.28292956948280334},{"word":"you","start":757.625,"end":757.78503,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3877636194229126},{"word":"will","start":757.78503,"end":758.185,"confidence":0.9472656,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.3441091775894165},{"word":"be","start":758.185,"end":758.425,"confidence":0.47192383,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3342477083206177},{"word":"exposed","start":758.425,"end":758.905,"confidence":0.90625,"punctuated_word":"exposed","sentiment":"negative","sentiment_score":-0.34720438718795776},{"word":"to","start":758.905,"end":759.065,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.30573466420173645},{"word":"those","start":759.065,"end":759.385,"confidence":0.99902344,"punctuated_word":"those","sentiment":"negative","sentiment_score":-0.3549899756908417},{"word":"unlisted","start":759.385,"end":759.885,"confidence":0.9975586,"punctuated_word":"unlisted","sentiment":"negative","sentiment_score":-0.41439810395240784},{"word":"style","start":760.025,"end":760.425,"confidence":0.9770508,"punctuated_word":"style","sentiment":"negative","sentiment_score":-0.3561239242553711},{"word":"assets","start":760.425,"end":760.925,"confidence":0.8322754,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":-0.2917538285255432},{"word":"and","start":762.025,"end":762.265,"confidence":0.9277344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2700413167476654},{"word":"you","start":762.265,"end":762.585,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.35733234882354736},{"word":"you","start":762.585,"end":762.825,"confidence":0.99902344,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3837704062461853},{"word":"are","start":762.825,"end":763.065,"confidence":1.0,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.3854673504829407},{"word":"limited","start":763.065,"end":763.465,"confidence":1.0,"punctuated_word":"limited","sentiment":"negative","sentiment_score":-0.4141760468482971},{"word":"in","start":763.465,"end":763.625,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4150819480419159},{"word":"your","start":763.625,"end":763.865,"confidence":1.0,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.4489863216876984},{"word":"investment","start":763.865,"end":764.365,"confidence":1.0,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.3786726593971253},{"word":"options","start":764.425,"end":764.905,"confidence":0.94970703,"punctuated_word":"options.","sentiment":"negative","sentiment_score":-0.3562490940093994},{"word":"so","start":764.905,"end":765.225,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2774731516838074},{"word":"they're","start":765.225,"end":765.625,"confidence":0.9086914,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.3177560567855835},{"word":"pooled","start":765.625,"end":766.025,"confidence":0.59765625,"punctuated_word":"pooled","sentiment":"neutral","sentiment_score":-0.30491524934768677},{"word":"type","start":766.025,"end":766.34503,"confidence":0.99609375,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.3163643479347229},{"word":"investments","start":766.34503,"end":766.84503,"confidence":0.8293457,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":-0.23058336973190308},{"word":"and","start":767.47,"end":767.71,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.24180114269256592},{"word":"you","start":767.71,"end":767.79,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.34392690658569336},{"word":"are","start":767.79,"end":768.29,"confidence":0.99902344,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.33693522214889526},{"word":"limited","start":768.35,"end":768.85,"confidence":0.9182129,"punctuated_word":"limited.","sentiment":"neutral","sentiment_score":-0.3162006735801697},{"word":"so","start":768.91,"end":769.31,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1656789630651474},{"word":"that's","start":769.31,"end":769.55,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1803143620491028},{"word":"why","start":769.55,"end":769.87,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.16767805814743042},{"word":"i","start":769.87,"end":770.19,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17471352219581604},{"word":"decided","start":770.19,"end":770.69,"confidence":0.98828125,"punctuated_word":"decided","sentiment":"negative","sentiment_score":-0.3502731919288635},{"word":"against","start":770.99,"end":771.49,"confidence":0.5917969,"punctuated_word":"against","sentiment":"negative","sentiment_score":-0.42001986503601074},{"word":"hesta","start":771.55,"end":772.05,"confidence":0.7178955,"punctuated_word":"HESTA.","sentiment":"negative","sentiment_score":-0.3835122585296631},{"word":"and","start":773.71,"end":773.95,"confidence":0.77734375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.18496239185333252},{"word":"i","start":773.95,"end":774.11,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18583258986473083},{"word":"also","start":774.11,"end":774.43,"confidence":0.99316406,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.21968576312065125},{"word":"considered","start":774.43,"end":774.91,"confidence":0.97509766,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":-0.19014635682106015},{"word":"another","start":774.91,"end":775.39,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.25251150131225586},{"word":"platform","start":775.39,"end":775.89,"confidence":1.0,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":-0.19398203492164612},{"word":"called","start":776.02997,"end":776.51,"confidence":0.9980469,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.08402592688798904},{"word":"mynorth","start":776.51,"end":777.01,"confidence":0.8088379,"punctuated_word":"MyNorth","sentiment":"neutral","sentiment_score":-0.026795566082000732},{"word":"as","start":777.23,"end":777.39,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.09004534780979156},{"word":"an","start":777.39,"end":777.63,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.04966605454683304},{"word":"alternative","start":777.63,"end":778.13,"confidence":0.9995117,"punctuated_word":"alternative.","sentiment":"neutral","sentiment_score":-0.039326783269643784},{"word":"the","start":778.83,"end":779.07,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.027657005935907364},{"word":"reason","start":779.07,"end":779.57,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.1978214979171753},{"word":"why","start":779.63,"end":780.13,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.16350221633911133},{"word":"i","start":780.35,"end":780.51,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3316902816295624},{"word":"didn't","start":780.51,"end":780.83,"confidence":0.9995117,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.2609800100326538},{"word":"proceed","start":780.83,"end":781.31,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":-0.22460146248340607},{"word":"with","start":781.31,"end":781.47,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.25855228304862976},{"word":"them","start":781.47,"end":781.95,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.28158268332481384},{"word":"is","start":781.95,"end":782.19,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2554934322834015},{"word":"that","start":782.19,"end":782.655,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19549913704395297},{"word":"their","start":783.05505,"end":783.455,"confidence":0.9633789,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.3278562128543854},{"word":"brokerage","start":783.455,"end":783.955,"confidence":0.9980469,"punctuated_word":"brokerage","sentiment":"neutral","sentiment_score":-0.2659456431865692},{"word":"fees","start":784.09503,"end":784.49506,"confidence":0.9428711,"punctuated_word":"fees...","sentiment":"neutral","sentiment_score":-0.12244119495153429},{"word":"so","start":784.49506,"end":784.73505,"confidence":0.9838867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08978050947189331},{"word":"when","start":784.73505,"end":785.215,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.07645033299922943},{"word":"you","start":785.215,"end":785.715,"confidence":0.99902344,"punctuated_word":"you...","sentiment":"neutral","sentiment_score":-0.06088021397590637},{"word":"when","start":786.015,"end":786.255,"confidence":1.0,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.14826539158821106},{"word":"the","start":786.255,"end":786.41504,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18662874400615692},{"word":"fund","start":786.41504,"end":786.73505,"confidence":0.98291016,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.16562578082084656},{"word":"trades","start":786.73505,"end":787.23505,"confidence":0.9980469,"punctuated_word":"trades","sentiment":"neutral","sentiment_score":-0.12160375714302064},{"word":"to","start":787.29504,"end":787.53503,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12974293529987335},{"word":"buy","start":787.53503,"end":787.93506,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.07188842445611954},{"word":"or","start":787.93506,"end":788.17505,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09218304604291916},{"word":"sell","start":788.17505,"end":788.41504,"confidence":0.99609375,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.05810055136680603},{"word":"funds","start":788.41504,"end":788.91504,"confidence":0.9980469,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.06327050179243088},{"word":"depending","start":788.97504,"end":789.47504,"confidence":0.61083984,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.05137379467487335},{"word":"on","start":789.53503,"end":790.015,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04930126667022705},{"word":"your","start":790.015,"end":790.49506,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1026543155312538},{"word":"contributions","start":790.49506,"end":790.99506,"confidence":0.90649414,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":-0.083946093916893},{"word":"their","start":792.255,"end":792.49506,"confidence":0.796875,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.2783167362213135},{"word":"fees","start":792.49506,"end":792.97504,"confidence":0.9951172,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.18361301720142365},{"word":"are","start":792.97504,"end":793.29504,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.22692902386188507},{"word":"higher","start":793.29504,"end":793.695,"confidence":1.0,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.14324945211410522},{"word":"than","start":793.695,"end":793.85504,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.12480016052722932},{"word":"the","start":793.85504,"end":794.015,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1746174693107605},{"word":"recommended","start":794.015,"end":794.515,"confidence":1.0,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":-0.1032753586769104},{"word":"hub","start":796.14,"end":796.54,"confidence":0.43359375,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":-0.08529920876026154},{"word":"24","start":796.54,"end":797.27997,"confidence":0.99072266,"punctuated_word":"24.","sentiment":"neutral","sentiment_score":-0.11376918852329254},{"word":"so","start":800.77997,"end":801.1,"confidence":0.9375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0024735480546951294},{"word":"that's","start":801.1,"end":801.42,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.006465220358222723},{"word":"the","start":801.42,"end":801.92,"confidence":0.99902344,"punctuated_word":"the...","sentiment":"neutral","sentiment_score":-0.009876267984509468},{"word":"all","start":802.38,"end":802.62,"confidence":0.9970703,"punctuated_word":"All","sentiment":"neutral","sentiment_score":-0.0010103899985551834},{"word":"that","start":802.62,"end":802.94,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.002080325037240982},{"word":"wording","start":802.94,"end":803.44,"confidence":0.9892578,"punctuated_word":"wording","sentiment":"neutral","sentiment_score":-0.004606337286531925},{"word":"area","start":803.5,"end":804.0,"confidence":0.9794922,"punctuated_word":"area.","sentiment":"neutral","sentiment_score":-0.0006178133189678192},{"word":"if","start":804.06,"end":804.3,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.009248197078704834},{"word":"you","start":804.3,"end":804.8,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008757573552429676},{"word":"scroll","start":804.86,"end":805.36,"confidence":0.39257812,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.004179835319519043},{"word":"the","start":805.58,"end":805.74,"confidence":0.5048828,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006316071376204491},{"word":"wording","start":805.74,"end":806.24,"confidence":0.9082031,"punctuated_word":"wording,","sentiment":"neutral","sentiment_score":0.0052892169915139675},{"word":"it's","start":806.38,"end":806.7,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.005755413323640823},{"word":"a","start":806.7,"end":806.94,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0002003982663154602},{"word":"concise","start":806.94,"end":807.42,"confidence":0.5854492,"punctuated_word":"concise...","sentiment":"neutral","sentiment_score":-0.0041615916416049},{"word":"a","start":807.42,"end":807.5,"confidence":0.5703125,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.01628524251282215},{"word":"condensed","start":807.5,"end":807.98,"confidence":0.9980469,"punctuated_word":"condensed","sentiment":"neutral","sentiment_score":-0.01021727453917265},{"word":"version","start":807.98,"end":808.3,"confidence":1.0,"punctuated_word":"version","sentiment":"neutral","sentiment_score":-0.001777341589331627},{"word":"of","start":808.3,"end":808.46,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0005212537944316864},{"word":"what's","start":808.46,"end":808.86,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.001406663446687162},{"word":"involved","start":808.86,"end":809.33997,"confidence":0.9941406,"punctuated_word":"involved","sentiment":"neutral","sentiment_score":0.007660889998078346},{"word":"in","start":809.33997,"end":809.5,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.013603776693344116},{"word":"that","start":809.5,"end":810.0,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01210269145667553},{"word":"wording","start":810.06,"end":810.54,"confidence":0.99609375,"punctuated_word":"wording","sentiment":"neutral","sentiment_score":0.006306696683168411},{"word":"for","start":810.54,"end":811.04,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0019565653055906296},{"word":"the","start":811.175,"end":811.33496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02032567374408245},{"word":"first","start":811.33496,"end":811.65497,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.03221826255321503},{"word":"strategy","start":811.65497,"end":812.15497,"confidence":0.94140625,"punctuated_word":"strategy.","sentiment":"neutral","sentiment_score":0.018606338649988174},{"word":"if","start":812.615,"end":812.855,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.03417695686221123},{"word":"you","start":812.855,"end":813.01495,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02903370000422001},{"word":"scroll","start":813.01495,"end":813.33496,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.014774786308407784},{"word":"to","start":813.33496,"end":813.495,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025223400443792343},{"word":"the","start":813.495,"end":813.735,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03024344891309738},{"word":"fee","start":813.735,"end":814.055,"confidence":0.9716797,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.027630921453237537},{"word":"comparison","start":814.055,"end":814.555,"confidence":0.9970703,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.01814541220664978},{"word":"section","start":814.69495,"end":815.19495,"confidence":0.99560547,"punctuated_word":"section,","sentiment":"neutral","sentiment_score":0.03396625816822052},{"word":"this","start":815.495,"end":815.81494,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03197149932384491},{"word":"is","start":815.81494,"end":815.89496,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02609057165682316},{"word":"where","start":815.89496,"end":816.21497,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.01893671788275242},{"word":"i'm","start":816.21497,"end":816.375,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03932397812604904},{"word":"gonna","start":816.375,"end":816.69495,"confidence":0.9951172,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.03539455682039261},{"word":"talk","start":816.69495,"end":816.935,"confidence":0.9970703,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.031561337411403656},{"word":"through","start":816.935,"end":817.175,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.02822900377213955},{"word":"a","start":817.175,"end":817.25494,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.018515951931476593},{"word":"little","start":817.25494,"end":817.415,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.009920191019773483},{"word":"bit","start":817.415,"end":817.735,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.003862671554088593},{"word":"more","start":817.735,"end":818.235,"confidence":0.99560547,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.012292783707380297},{"word":"yep","start":820.13495,"end":820.63495,"confidence":0.9562988,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1356367468833923},{"word":"so","start":821.01495,"end":821.51495,"confidence":0.7585449,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.07987108826637268},{"word":"overall","start":822.375,"end":822.875,"confidence":0.99902344,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":0.08946068584918976},{"word":"you'll","start":823.01495,"end":823.415,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.09358059614896774},{"word":"see","start":823.415,"end":823.915,"confidence":0.9873047,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0865553617477417},{"word":"that","start":823.975,"end":824.475,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.044648684561252594},{"word":"it's","start":825.04004,"end":825.2,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04333518072962761},{"word":"the","start":825.2,"end":825.68,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026479147374629974},{"word":"admin","start":825.68,"end":826.16003,"confidence":1.0,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.030350901186466217},{"word":"fees","start":826.16003,"end":826.64,"confidence":0.9472656,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.011623404920101166},{"word":"that","start":826.64,"end":827.14,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007075883448123932},{"word":"are","start":827.2,"end":827.44,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.05191187933087349},{"word":"costing","start":827.44,"end":827.92004,"confidence":1.0,"punctuated_word":"costing","sentiment":"neutral","sentiment_score":0.0103856660425663},{"word":"you","start":827.92004,"end":828.16003,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00967283546924591},{"word":"more","start":828.16003,"end":828.56,"confidence":0.86206055,"punctuated_word":"more,","sentiment":"neutral","sentiment_score":-0.025872232392430305},{"word":"approximately","start":828.56,"end":829.06,"confidence":1.0,"punctuated_word":"approximately","sentiment":"neutral","sentiment_score":-0.01314692199230194},{"word":"$244","start":829.28,"end":830.82,"confidence":0.991333,"punctuated_word":"$244","sentiment":"neutral","sentiment_score":0.01507541723549366},{"word":"or","start":830.96,"end":831.2,"confidence":0.36938477,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.009928785264492037},{"word":"more","start":831.2,"end":831.7,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.004826679825782776},{"word":"with","start":832.24,"end":832.48004,"confidence":0.6064453,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.016141891479492188},{"word":"your","start":832.48004,"end":832.72003,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04010622203350067},{"word":"adviser","start":832.72003,"end":833.22003,"confidence":0.9301758,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":-0.007975853979587555},{"word":"service","start":833.36,"end":833.86,"confidence":0.97509766,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.006714776158332825},{"word":"fee","start":834.0,"end":834.48004,"confidence":0.99121094,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.06313873827457428},{"word":"and","start":834.48004,"end":834.72003,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006583809852600098},{"word":"the","start":834.72003,"end":834.96,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011684641242027284},{"word":"insurance","start":834.96,"end":835.46,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.029613323509693142},{"word":"premiums","start":835.68,"end":836.18,"confidence":0.9890137,"punctuated_word":"premiums.","sentiment":"neutral","sentiment_score":0.028271719813346863},{"word":"so","start":837.625,"end":837.865,"confidence":0.96875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03037787601351738},{"word":"when","start":837.865,"end":838.105,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04817980527877808},{"word":"we","start":838.105,"end":838.265,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04566366225481033},{"word":"look","start":838.265,"end":838.505,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.043148670345544815},{"word":"at","start":838.505,"end":838.58496,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04854796826839447},{"word":"that","start":838.58496,"end":838.825,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.051270097494125366},{"word":"from","start":838.825,"end":838.985,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.03846108168363571},{"word":"a","start":838.985,"end":839.14496,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02997738867998123},{"word":"like","start":839.14496,"end":839.46497,"confidence":0.94189453,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03203823044896126},{"word":"from","start":839.46497,"end":839.785,"confidence":0.9819336,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.03273739293217659},{"word":"like","start":839.785,"end":840.105,"confidence":0.98828125,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.038656122982501984},{"word":"basis","start":840.105,"end":840.605,"confidence":0.99560547,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":0.054095204919576645},{"word":"you","start":842.985,"end":843.225,"confidence":0.91015625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003938592970371246},{"word":"are","start":843.225,"end":843.70496,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0031648799777030945},{"word":"paying","start":843.70496,"end":844.185,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.029054678976535797},{"word":"more","start":844.185,"end":844.665,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0027457624673843384},{"word":"to","start":844.665,"end":844.825,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.048993758857250214},{"word":"be","start":844.825,"end":845.14496,"confidence":0.98291016,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03154858201742172},{"word":"in","start":845.14496,"end":845.545,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05205933749675751},{"word":"hub","start":845.545,"end":846.045,"confidence":0.7636719,"punctuated_word":"hub,","sentiment":"neutral","sentiment_score":0.06480180472135544},{"word":"and","start":847.305,"end":847.545,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07258925586938858},{"word":"that","start":847.545,"end":847.785,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04749898612499237},{"word":"includes","start":847.785,"end":848.185,"confidence":1.0,"punctuated_word":"includes","sentiment":"neutral","sentiment_score":0.02929056435823441},{"word":"the","start":848.185,"end":848.345,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03263480216264725},{"word":"insurance","start":848.345,"end":848.845,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.025378838181495667},{"word":"premiums","start":848.90497,"end":849.385,"confidence":0.99609375,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.022096998989582065},{"word":"as","start":849.385,"end":849.545,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.039743050932884216},{"word":"well","start":849.545,"end":849.865,"confidence":0.9746094,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.0153978168964386},{"word":"so","start":849.865,"end":850.365,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.015337102115154266},{"word":"your","start":851.19,"end":851.35004,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.023392602801322937},{"word":"insurance","start":851.35004,"end":851.83,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.020931050181388855},{"word":"premiums","start":851.83,"end":852.31,"confidence":0.96533203,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.003607913851737976},{"word":"actually","start":852.31,"end":852.55005,"confidence":0.8730469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.0061458200216293335},{"word":"will","start":852.55005,"end":852.79004,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.018742963671684265},{"word":"be","start":852.79004,"end":852.95,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.030089855194091797},{"word":"cheaper","start":852.95,"end":853.45,"confidence":0.8840332,"punctuated_word":"cheaper,","sentiment":"neutral","sentiment_score":0.023404087871313095},{"word":"but","start":853.99005,"end":854.49005,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0035218894481658936},{"word":"you","start":855.75,"end":855.99005,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1350572407245636},{"word":"are","start":855.99005,"end":856.15,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0950966849923134},{"word":"gonna","start":856.15,"end":856.47003,"confidence":0.921875,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.10793693363666534},{"word":"incur","start":856.47003,"end":856.79004,"confidence":1.0,"punctuated_word":"incur","sentiment":"neutral","sentiment_score":-0.0686931386590004},{"word":"the","start":856.79004,"end":856.95,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11717425286769868},{"word":"adviser","start":856.95,"end":857.45,"confidence":0.90722656,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":-0.10569372773170473},{"word":"service","start":857.51,"end":857.83,"confidence":0.98095703,"punctuated_word":"service","sentiment":"neutral","sentiment_score":-0.07419842481613159},{"word":"fee","start":857.83,"end":858.07,"confidence":0.7680664,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":-0.07119250297546387},{"word":"which","start":858.07,"end":858.39,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.07048086822032928},{"word":"increases","start":858.39,"end":858.89,"confidence":0.99902344,"punctuated_word":"increases","sentiment":"neutral","sentiment_score":-0.024396251887083057},{"word":"the","start":859.11005,"end":859.35004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04439441114664078},{"word":"investments","start":859.35004,"end":859.85004,"confidence":0.9921875,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.05858161300420761},{"word":"also","start":860.07,"end":860.57,"confidence":0.9970703,"punctuated_word":"also...","sentiment":"neutral","sentiment_score":-0.03408614546060562},{"word":"or","start":861.59,"end":861.83,"confidence":0.8535156,"punctuated_word":"Or...","sentiment":"neutral","sentiment_score":-0.02075492218136787},{"word":"sorry","start":861.83,"end":862.31,"confidence":0.7873535,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.09756297618150712},{"word":"the","start":862.31,"end":862.55005,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.11072099208831788},{"word":"fees","start":862.55005,"end":863.05005,"confidence":0.98095703,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.08701788634061813},{"word":"also","start":863.11005,"end":863.61005,"confidence":0.99316406,"punctuated_word":"also.","sentiment":"neutral","sentiment_score":-0.08519710600376129},{"word":"on","start":865.425,"end":865.665,"confidence":0.97998047,"punctuated_word":"On","sentiment":"neutral","sentiment_score":-0.07919403910636902},{"word":"a","start":865.665,"end":865.825,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04326846823096275},{"word":"five","start":865.825,"end":866.14496,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.043550994247198105},{"word":"year","start":866.14496,"end":866.385,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.02012147754430771},{"word":"rolling","start":866.385,"end":866.865,"confidence":1.0,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":-0.005971360951662064},{"word":"average","start":866.865,"end":867.345,"confidence":0.9970703,"punctuated_word":"average,","sentiment":"neutral","sentiment_score":-0.04860547184944153},{"word":"your","start":867.345,"end":867.665,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.055837031453847885},{"word":"current","start":867.665,"end":868.065,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.06794764846563339},{"word":"fund","start":868.065,"end":868.565,"confidence":0.99121094,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.09314832091331482},{"word":"returns","start":869.185,"end":869.665,"confidence":0.68652344,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":-0.040223509073257446},{"word":"approximately","start":869.665,"end":870.165,"confidence":0.99609375,"punctuated_word":"approximately","sentiment":"neutral","sentiment_score":-0.06190120801329613},{"word":"6.48%","start":870.46497,"end":872.165,"confidence":0.98476565,"punctuated_word":"6.48%.","sentiment":"neutral","sentiment_score":-0.05263132601976395},{"word":"in","start":873.665,"end":874.065,"confidence":0.98828125,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.020759794861078262},{"word":"in","start":874.065,"end":874.305,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.027040928602218628},{"word":"the","start":874.305,"end":874.545,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03749263286590576},{"word":"recommended","start":874.545,"end":875.045,"confidence":1.0,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.021920349448919296},{"word":"fund","start":875.345,"end":875.58496,"confidence":0.99316406,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.022589929401874546},{"word":"that","start":875.58496,"end":875.90497,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04805504530668259},{"word":"we","start":875.90497,"end":876.225,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.021261215209960938},{"word":"are","start":876.225,"end":876.46497,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.019879113882780075},{"word":"looking","start":876.46497,"end":876.785,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.017001956701278687},{"word":"at","start":876.785,"end":877.02496,"confidence":0.99658203,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.01977851241827011},{"word":"the","start":877.02496,"end":877.265,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0072899311780929565},{"word":"five","start":877.265,"end":877.505,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.005752749741077423},{"word":"year","start":877.505,"end":877.745,"confidence":0.9970703,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.006016865372657776},{"word":"average","start":877.745,"end":878.065,"confidence":0.99902344,"punctuated_word":"average","sentiment":"neutral","sentiment_score":-0.019440151751041412},{"word":"is","start":878.065,"end":878.305,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.006522558629512787},{"word":"11.34%","start":878.305,"end":880.1,"confidence":0.9984375,"punctuated_word":"11.34%.","sentiment":"neutral","sentiment_score":0.0013847127556800842},{"word":"what","start":882.4,"end":882.8,"confidence":0.8432617,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.011999554932117462},{"word":"that","start":882.8,"end":883.04,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022417377680540085},{"word":"means","start":883.04,"end":883.52,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.004225727170705795},{"word":"over","start":883.52,"end":883.83997,"confidence":0.9770508,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.025985270738601685},{"word":"the","start":883.83997,"end":883.92,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00216858834028244},{"word":"long","start":883.92,"end":884.24,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.012071557343006134},{"word":"term","start":884.24,"end":884.74,"confidence":0.9980469,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.02298755943775177},{"word":"is","start":885.04,"end":885.44,"confidence":0.98828125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0023806989192962646},{"word":"as","start":885.44,"end":885.83997,"confidence":0.36889648,"punctuated_word":"as...","sentiment":"neutral","sentiment_score":-0.0011053737252950668},{"word":"you","start":885.83997,"end":886.0,"confidence":0.8857422,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.018940305337309837},{"word":"know","start":886.0,"end":886.5,"confidence":0.9880371,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.011324415914714336},{"word":"your","start":886.8,"end":887.12,"confidence":0.9770508,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.008497025817632675},{"word":"lump","start":887.12,"end":887.44,"confidence":0.9980469,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.0036359503865242},{"word":"sum","start":887.44,"end":887.76,"confidence":0.9921875,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.019353337585926056},{"word":"in","start":887.76,"end":888.08,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.005299653857946396},{"word":"five","start":888.08,"end":888.4,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.006597556173801422},{"word":"years","start":888.4,"end":888.9,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.003644220530986786},{"word":"is","start":889.36,"end":889.52,"confidence":0.984375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.006196076050400734},{"word":"gonna","start":889.52,"end":889.83997,"confidence":0.9921875,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.008680704981088638},{"word":"be","start":889.83997,"end":890.08,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.005665929988026619},{"word":"12","start":890.08,"end":890.58,"confidence":0.99609375,"punctuated_word":"12...","sentiment":"neutral","sentiment_score":-0.013462960720062256},{"word":"projected","start":890.72,"end":891.2,"confidence":0.99902344,"punctuated_word":"Projected","sentiment":"neutral","sentiment_score":-0.0070315636694431305},{"word":"out","start":891.2,"end":891.36,"confidence":0.9892578,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.00027260929346084595},{"word":"to","start":891.36,"end":891.52,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015369964763522148},{"word":"be","start":891.52,"end":891.76,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.004418535158038139},{"word":"approximately","start":891.76,"end":892.26,"confidence":0.99609375,"punctuated_word":"approximately","sentiment":"neutral","sentiment_score":-0.007980038411915302},{"word":"$12,000","start":892.32,"end":893.44,"confidence":0.99853516,"punctuated_word":"$12,000","sentiment":"neutral","sentiment_score":-0.02403726428747177},{"word":"better","start":893.44,"end":893.76,"confidence":0.9951172,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.05689229816198349},{"word":"off","start":893.76,"end":894.26,"confidence":0.7529297,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":-0.06022673100233078},{"word":"and","start":894.535,"end":894.775,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.054533086717128754},{"word":"in","start":894.775,"end":894.855,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.047489233314991},{"word":"ten","start":894.855,"end":895.255,"confidence":0.9980469,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.01970497891306877},{"word":"years","start":895.255,"end":895.755,"confidence":0.87768555,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.036258358508348465},{"word":"forty","start":896.055,"end":896.375,"confidence":0.9941406,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":-0.01635405421257019},{"word":"one","start":896.375,"end":896.615,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03477970510721207},{"word":"thousand","start":896.615,"end":897.015,"confidence":0.99902344,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.01087167114019394},{"word":"dollars","start":897.015,"end":897.495,"confidence":0.9980469,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.005928277969360352},{"word":"better","start":897.495,"end":897.815,"confidence":0.99902344,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.002273768186569214},{"word":"off","start":897.815,"end":898.315,"confidence":0.99902344,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.039229411631822586},{"word":"so","start":902.775,"end":903.015,"confidence":0.7529297,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.11042450368404388},{"word":"again","start":903.015,"end":903.515,"confidence":0.9995117,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.08743837475776672},{"word":"they're","start":903.575,"end":903.815,"confidence":0.96728516,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.054758500307798386},{"word":"just","start":903.815,"end":904.055,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.018636010587215424},{"word":"projections","start":904.055,"end":904.555,"confidence":0.9980469,"punctuated_word":"projections","sentiment":"neutral","sentiment_score":-0.001191943883895874},{"word":"based","start":904.695,"end":905.015,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.02163327857851982},{"word":"on","start":905.015,"end":905.255,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.023000501096248627},{"word":"past","start":905.255,"end":905.575,"confidence":0.9951172,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.019047893583774567},{"word":"performance","start":905.575,"end":906.075,"confidence":0.77075195,"punctuated_word":"performance,","sentiment":"neutral","sentiment_score":-0.03616698086261749},{"word":"so","start":906.215,"end":906.375,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.03852635622024536},{"word":"they","start":906.375,"end":906.615,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.04646208137273789},{"word":"don't","start":906.615,"end":906.935,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05829343944787979},{"word":"tell","start":906.935,"end":907.095,"confidence":0.99902344,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.06656106561422348},{"word":"us","start":907.095,"end":907.595,"confidence":0.9980469,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.05049629509449005},{"word":"and","start":909.88,"end":910.12,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06944330781698227},{"word":"they're","start":910.12,"end":910.36,"confidence":0.9980469,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.07830622792243958},{"word":"not","start":910.36,"end":910.44,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08638465404510498},{"word":"an","start":910.44,"end":910.6,"confidence":0.9951172,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.08207491040229797},{"word":"indication","start":910.6,"end":911.1,"confidence":0.99902344,"punctuated_word":"indication","sentiment":"neutral","sentiment_score":-0.09351689368486404},{"word":"for","start":911.16,"end":911.32,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08357692509889603},{"word":"future","start":911.32,"end":911.8,"confidence":0.98535156,"punctuated_word":"future","sentiment":"neutral","sentiment_score":-0.09058763086795808},{"word":"performance","start":911.8,"end":912.3,"confidence":0.87646484,"punctuated_word":"performance,","sentiment":"neutral","sentiment_score":-0.0819225087761879},{"word":"but","start":912.44,"end":912.68,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06074699014425278},{"word":"it","start":912.68,"end":912.83997,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.016890056431293488},{"word":"gives","start":912.83997,"end":913.08,"confidence":0.9980469,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":-0.0638677328824997},{"word":"us","start":913.08,"end":913.58,"confidence":0.9980469,"punctuated_word":"us...","sentiment":"neutral","sentiment_score":-0.023191973567008972},{"word":"it","start":914.12,"end":914.36,"confidence":0.91259766,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.03178837150335312},{"word":"give","start":914.36,"end":914.68,"confidence":0.7397461,"punctuated_word":"give...","sentiment":"neutral","sentiment_score":-0.029482904821634293},{"word":"it","start":914.68,"end":915.0,"confidence":0.9980469,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.14032819867134094},{"word":"it","start":915.0,"end":915.24,"confidence":0.9741211,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13012084364891052},{"word":"shows","start":915.24,"end":915.72,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":-0.18498128652572632},{"word":"that","start":915.72,"end":915.95996,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14634284377098083},{"word":"you","start":915.95996,"end":916.36,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17950433492660522},{"word":"you","start":916.36,"end":916.6,"confidence":0.8701172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1950587034225464},{"word":"shouldn't","start":916.6,"end":917.1,"confidence":1.0,"punctuated_word":"shouldn't","sentiment":"neutral","sentiment_score":-0.1818840354681015},{"word":"be","start":917.16,"end":917.64,"confidence":0.9921875,"punctuated_word":"be...","sentiment":"neutral","sentiment_score":-0.15601631999015808},{"word":"well","start":917.64,"end":917.88,"confidence":0.9741211,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.2009201943874359},{"word":"not","start":917.88,"end":917.95996,"confidence":0.97802734,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.19636356830596924},{"word":"you","start":917.95996,"end":918.12,"confidence":0.97998047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.238576278090477},{"word":"shouldn't","start":918.12,"end":918.44,"confidence":0.9661458,"punctuated_word":"shouldn't,","sentiment":"neutral","sentiment_score":-0.2108445018529892},{"word":"but","start":918.44,"end":918.76,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.19697077572345736},{"word":"the","start":918.76,"end":918.83997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.28385791182518005},{"word":"balanced","start":918.83997,"end":919.33997,"confidence":0.69433594,"punctuated_word":"balanced","sentiment":"negative","sentiment_score":-0.4117116332054138},{"word":"growth","start":919.48,"end":919.8,"confidence":0.9111328,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.2348141372203827},{"word":"isn't","start":919.8,"end":920.2,"confidence":1.0,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.29823240637779236},{"word":"gonna","start":920.2,"end":920.51996,"confidence":0.98291016,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2373138666152954},{"word":"help","start":920.51996,"end":920.83997,"confidence":0.99902344,"punctuated_word":"help","sentiment":"neutral","sentiment_score":-0.13278266787528992},{"word":"you","start":920.83997,"end":921.33997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18310962617397308},{"word":"achieve","start":921.39996,"end":921.89996,"confidence":0.99902344,"punctuated_word":"achieve","sentiment":"neutral","sentiment_score":-0.11395514011383057},{"word":"your","start":922.055,"end":922.295,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.18102312088012695},{"word":"longer","start":922.295,"end":922.535,"confidence":0.9980469,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.10592201352119446},{"word":"term","start":922.535,"end":922.855,"confidence":0.99902344,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.02984316647052765},{"word":"goals","start":922.855,"end":923.175,"confidence":0.9885254,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":-0.13927781581878662},{"word":"you","start":923.175,"end":923.415,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.20173318684101105},{"word":"do","start":923.415,"end":923.57495,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1665497124195099},{"word":"need","start":923.57495,"end":923.815,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.19366402924060824},{"word":"to","start":923.815,"end":923.89496,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21211208403110504},{"word":"have","start":923.89496,"end":924.13495,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2237841784954071},{"word":"some","start":924.13495,"end":924.295,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.24423326551914215},{"word":"more","start":924.295,"end":924.615,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.21957845985889435},{"word":"exposure","start":924.615,"end":925.095,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.14482228457927704},{"word":"to","start":925.095,"end":925.255,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21929574012756348},{"word":"your","start":925.255,"end":925.415,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.21091005206108093},{"word":"high","start":925.415,"end":925.65497,"confidence":0.92333984,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.11514867842197418},{"word":"growth","start":925.65497,"end":926.15497,"confidence":0.9602051,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":-0.15367791056632996},{"word":"and","start":927.095,"end":927.255,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.08586940914392471},{"word":"then","start":927.255,"end":927.755,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.07455356419086456},{"word":"even","start":927.975,"end":928.295,"confidence":0.95703125,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.0739140659570694},{"word":"when","start":928.295,"end":928.535,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.06435219943523407},{"word":"we","start":928.535,"end":928.77496,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04213501140475273},{"word":"look","start":928.77496,"end":929.01495,"confidence":0.85498047,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.048292919993400574},{"word":"down","start":929.01495,"end":929.415,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.0352519266307354},{"word":"further","start":929.415,"end":929.915,"confidence":0.9226074,"punctuated_word":"further,","sentiment":"neutral","sentiment_score":-0.08573588728904724},{"word":"the","start":930.45496,"end":930.69495,"confidence":0.85546875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09126447141170502},{"word":"annualized","start":930.69495,"end":931.19495,"confidence":0.9941406,"punctuated_word":"annualized","sentiment":"neutral","sentiment_score":-0.04323558509349823},{"word":"returns","start":931.495,"end":931.995,"confidence":0.9921875,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":-0.07012906670570374},{"word":"with","start":932.21497,"end":932.535,"confidence":0.96435547,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.11424929648637772},{"word":"act","start":932.535,"end":932.935,"confidence":0.60009766,"punctuated_word":"act...","sentiment":"neutral","sentiment_score":-0.051802750676870346},{"word":"with","start":932.935,"end":933.175,"confidence":0.9980469,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.03147529065608978},{"word":"a","start":933.175,"end":933.415,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.020512104034423828},{"word":"more","start":933.415,"end":933.735,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.0483049713075161},{"word":"diversified","start":933.735,"end":934.235,"confidence":1.0,"punctuated_word":"diversified","sentiment":"neutral","sentiment_score":-0.012172531336545944},{"word":"and","start":934.535,"end":935.035,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.002690047025680542},{"word":"more","start":936.57,"end":936.81,"confidence":0.99609375,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.009761728346347809},{"word":"investment","start":936.81,"end":937.31,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.004383876919746399},{"word":"options","start":937.37,"end":937.87,"confidence":0.86035156,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":0.007208049297332764},{"word":"your","start":938.33,"end":938.73,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01379038393497467},{"word":"portfolio","start":938.73,"end":939.23,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.006556220352649689},{"word":"is","start":939.69,"end":939.93,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.015818320214748383},{"word":"estimated","start":939.93,"end":940.43,"confidence":1.0,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.003033779561519623},{"word":"to","start":940.57,"end":940.73,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015310533344745636},{"word":"return","start":940.73,"end":941.21,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.047946907579898834},{"word":"more","start":941.21,"end":941.71,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.023824911564588547},{"word":"over","start":941.85,"end":942.01,"confidence":0.9970703,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.006428860127925873},{"word":"the","start":942.01,"end":942.17,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.029552802443504333},{"word":"longer","start":942.17,"end":942.49,"confidence":0.99902344,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.019850175827741623},{"word":"term","start":942.49,"end":942.99,"confidence":0.99853516,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":0.04865304380655289},{"word":"the","start":947.53,"end":947.85,"confidence":0.8691406,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0653872936964035},{"word":"investment","start":947.85,"end":948.35,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.04345408082008362},{"word":"options","start":948.49,"end":948.89,"confidence":0.984375,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.044397104531526566},{"word":"are","start":948.89,"end":949.13,"confidence":0.9326172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08825433254241943},{"word":"displayed","start":949.13,"end":949.63,"confidence":1.0,"punctuated_word":"displayed","sentiment":"neutral","sentiment_score":0.0919441282749176},{"word":"in","start":949.69,"end":949.85,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09163866937160492},{"word":"a","start":949.85,"end":950.09,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06651827692985535},{"word":"table","start":950.09,"end":950.59,"confidence":0.9770508,"punctuated_word":"table.","sentiment":"neutral","sentiment_score":0.0601302906870842},{"word":"can","start":951.985,"end":952.305,"confidence":0.9863281,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.05823076143860817},{"word":"you","start":952.305,"end":952.46497,"confidence":0.88427734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06173720210790634},{"word":"see","start":952.46497,"end":952.70496,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0625624880194664},{"word":"that","start":952.70496,"end":952.945,"confidence":0.9970703,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.006622564513236284},{"word":"have","start":952.945,"end":953.185,"confidence":1.0,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.004336293786764145},{"word":"you","start":953.185,"end":953.345,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005702170543372631},{"word":"scrolled","start":953.345,"end":953.665,"confidence":0.9875488,"punctuated_word":"scrolled","sentiment":"neutral","sentiment_score":0.010972818359732628},{"word":"to","start":953.665,"end":953.82495,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005861043930053711},{"word":"that","start":953.82495,"end":954.065,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007092736661434174},{"word":"section","start":954.065,"end":954.565,"confidence":1.0,"punctuated_word":"section","sentiment":"neutral","sentiment_score":0.013058052398264408},{"word":"yet","start":954.625,"end":955.125,"confidence":0.98657227,"punctuated_word":"yet?","sentiment":"neutral","sentiment_score":0.016338884830474854},{"word":"yep","start":955.185,"end":955.685,"confidence":0.9255371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11871564388275146},{"word":"lovely","start":958.945,"end":959.445,"confidence":0.94262695,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.6767160296440125},{"word":"so","start":959.82495,"end":960.32495,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2907511293888092},{"word":"the","start":960.385,"end":960.625,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20960265398025513},{"word":"portfolio","start":960.625,"end":961.125,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1785973310470581},{"word":"i'm","start":961.26495,"end":961.505,"confidence":0.9902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1812358796596527},{"word":"recommending","start":961.505,"end":962.005,"confidence":1.0,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.1665031611919403},{"word":"is","start":962.14496,"end":962.385,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1322953850030899},{"word":"that","start":962.385,"end":962.46497,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12853646278381348},{"word":"you'll","start":962.46497,"end":962.785,"confidence":0.98535156,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.2032545804977417},{"word":"have","start":962.785,"end":962.945,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1961998790502548},{"word":"some","start":962.945,"end":963.185,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.15028810501098633},{"word":"cybersecurity","start":963.185,"end":963.685,"confidence":0.7734375,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":0.1808533072471619},{"word":"exposure","start":964.46497,"end":964.96497,"confidence":0.88183594,"punctuated_word":"exposure,","sentiment":"neutral","sentiment_score":0.12356147170066832},{"word":"which","start":965.02496,"end":965.26495,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.17373493313789368},{"word":"is","start":965.26495,"end":965.76495,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14503011107444763},{"word":"what","start":966.81,"end":967.05,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17068083584308624},{"word":"we","start":967.05,"end":967.13,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14019323885440826},{"word":"call","start":967.13,"end":967.29,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.14187832176685333},{"word":"a","start":967.29,"end":967.52997,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2411964535713196},{"word":"satellite","start":967.52997,"end":968.02997,"confidence":0.99902344,"punctuated_word":"satellite","sentiment":"neutral","sentiment_score":0.14341384172439575},{"word":"investment","start":968.09,"end":968.57,"confidence":0.89575195,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.1264289915561676},{"word":"so","start":968.57,"end":968.73,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1161963790655136},{"word":"it","start":968.73,"end":968.89,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1229567527770996},{"word":"sits","start":968.89,"end":969.21,"confidence":0.93115234,"punctuated_word":"sits","sentiment":"neutral","sentiment_score":0.12080423533916472},{"word":"around","start":969.21,"end":969.71,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.13062401115894318},{"word":"the","start":970.01,"end":970.51,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1307900846004486},{"word":"core","start":970.57,"end":970.97,"confidence":0.99902344,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.13165134191513062},{"word":"investment","start":970.97,"end":971.47,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06527681648731232},{"word":"options","start":971.52997,"end":971.93,"confidence":0.9423828,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":0.11471289396286012},{"word":"which","start":971.93,"end":972.17,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.14580567181110382},{"word":"are","start":972.17,"end":972.33,"confidence":0.9472656,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12009798735380171},{"word":"your","start":972.33,"end":972.57,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20041632652282715},{"word":"ishares","start":972.57,"end":973.07,"confidence":0.94677734,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.19252987205982208},{"word":"s","start":973.29,"end":973.45,"confidence":0.42285156,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.12269505858421326},{"word":"and","start":973.45,"end":973.69,"confidence":0.9428711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10127126425504684},{"word":"p","start":973.69,"end":973.93,"confidence":0.99902344,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.11198145151138306},{"word":"500","start":973.93,"end":974.57,"confidence":0.99902344,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.1510685235261917},{"word":"and","start":974.57,"end":974.73,"confidence":0.8354492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11068373918533324},{"word":"the","start":974.73,"end":974.89,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15363186597824097},{"word":"beta","start":974.89,"end":975.21,"confidence":0.51660156,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.13399356603622437},{"word":"shares","start":975.21,"end":975.69,"confidence":0.7919922,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.09964298456907272},{"word":"australian","start":975.69,"end":976.19,"confidence":0.9506836,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.12386082112789154},{"word":"200","start":976.25,"end":976.99,"confidence":0.9378662,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.14264294505119324},{"word":"and","start":977.61,"end":977.93,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09363839030265808},{"word":"all","start":977.93,"end":978.17,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07520949840545654},{"word":"all","start":978.17,"end":978.49,"confidence":0.9921875,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.08274334669113159},{"word":"the","start":978.49,"end":978.65,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.092999666929245},{"word":"others","start":978.65,"end":979.05,"confidence":0.9980469,"punctuated_word":"others","sentiment":"neutral","sentiment_score":0.07442371547222137},{"word":"are","start":979.05,"end":979.21,"confidence":0.97802734,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07597082108259201},{"word":"your","start":979.21,"end":979.45,"confidence":0.9838867,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0838032141327858},{"word":"satellites","start":979.45,"end":979.95,"confidence":0.6730957,"punctuated_word":"satellites,","sentiment":"neutral","sentiment_score":0.0825907438993454},{"word":"so","start":980.01,"end":980.17,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08741502463817596},{"word":"they","start":980.17,"end":980.41,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1446700096130371},{"word":"sit","start":980.41,"end":980.65,"confidence":0.99316406,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.1430409550666809},{"word":"around","start":980.65,"end":981.15,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.12662552297115326},{"word":"being","start":983.105,"end":983.345,"confidence":0.98828125,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.13126277923583984},{"word":"your","start":983.345,"end":983.745,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12734276056289673},{"word":"further","start":983.745,"end":984.225,"confidence":0.9980469,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.09904428571462633},{"word":"diversification","start":984.225,"end":984.725,"confidence":0.98779297,"punctuated_word":"diversification.","sentiment":"neutral","sentiment_score":0.09762248396873474},{"word":"so","start":985.26495,"end":985.50494,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06917907297611237},{"word":"you've","start":985.50494,"end":985.665,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.09490083158016203},{"word":"got","start":985.665,"end":985.82495,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10668422281742096},{"word":"some","start":985.82495,"end":986.32495,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07423992455005646},{"word":"further","start":986.625,"end":987.105,"confidence":0.9951172,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.06670309603214264},{"word":"diversification","start":987.105,"end":987.605,"confidence":0.9995117,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.06381988525390625},{"word":"in","start":987.745,"end":987.985,"confidence":0.9741211,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07199158519506454},{"word":"cybersecurity","start":987.985,"end":988.485,"confidence":0.763916,"punctuated_word":"cybersecurity,","sentiment":"neutral","sentiment_score":0.03681477531790733},{"word":"europe","start":990.225,"end":990.725,"confidence":0.9980469,"punctuated_word":"Europe,","sentiment":"neutral","sentiment_score":0.035443760454654694},{"word":"japan","start":990.785,"end":991.285,"confidence":0.94799805,"punctuated_word":"Japan,","sentiment":"neutral","sentiment_score":0.02646506391465664},{"word":"and","start":991.745,"end":991.90497,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014985276386141775},{"word":"the","start":991.90497,"end":992.40497,"confidence":0.9560547,"punctuated_word":"the...","sentiment":"neutral","sentiment_score":0.011455917730927467},{"word":"all","start":993.105,"end":993.26495,"confidence":0.9301758,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.006623865105211735},{"word":"world","start":993.26495,"end":993.76495,"confidence":0.29541016,"punctuated_word":"world","sentiment":"neutral","sentiment_score":-0.017882099375128746},{"word":"excluding","start":993.82495,"end":994.32495,"confidence":0.7529297,"punctuated_word":"excluding","sentiment":"neutral","sentiment_score":-0.00519458157941699},{"word":"us","start":994.38495,"end":994.88495,"confidence":0.9892578,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.016082340851426125},{"word":"with","start":995.24,"end":995.39996,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0055047450587153435},{"word":"the","start":995.39996,"end":995.63995,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0027031712234020233},{"word":"ishares","start":995.63995,"end":996.12,"confidence":0.9772949,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.009740481153130531},{"word":"s","start":996.12,"end":996.27997,"confidence":0.95410156,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.024043282493948936},{"word":"and","start":996.27997,"end":996.44,"confidence":0.82666016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.026593979448080063},{"word":"p","start":996.44,"end":996.76,"confidence":0.99902344,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.028367992490530018},{"word":"being","start":996.76,"end":997.0,"confidence":0.9873047,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.01556173339486122},{"word":"your","start":997.0,"end":997.24,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01845740526914597},{"word":"us","start":997.24,"end":997.74,"confidence":0.79833984,"punctuated_word":"US,","sentiment":"neutral","sentiment_score":0.006140255369246006},{"word":"a","start":998.12,"end":998.2,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01235845498740673},{"word":"little","start":998.2,"end":998.44,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.016495872288942337},{"word":"bit","start":998.44,"end":998.6,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.013687610626220705},{"word":"of","start":998.6,"end":998.83997,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007196810096502304},{"word":"physical","start":998.83997,"end":999.33997,"confidence":0.9790039,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":-0.005640730261802673},{"word":"gold","start":999.48,"end":999.88,"confidence":0.9951172,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":-0.004229340702295303},{"word":"exposure","start":999.88,"end":1000.38,"confidence":0.90478516,"punctuated_word":"exposure,","sentiment":"neutral","sentiment_score":0.009188182651996613},{"word":"and","start":1000.68,"end":1000.83997,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01975642330944538},{"word":"the","start":1000.83997,"end":1001.07996,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028438599780201912},{"word":"ishares","start":1001.07996,"end":1001.57996,"confidence":0.9980469,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.03741657733917236},{"word":"core","start":1001.63995,"end":1001.95996,"confidence":0.7451172,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.021943029016256332},{"word":"composite","start":1001.95996,"end":1002.44,"confidence":0.9741211,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.04186326265335083},{"word":"bond","start":1002.44,"end":1002.83997,"confidence":0.9941406,"punctuated_word":"bond","sentiment":"neutral","sentiment_score":0.04572729021310806},{"word":"is","start":1002.83997,"end":1003.0,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.019561098888516423},{"word":"your","start":1003.0,"end":1003.16,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.013788282871246338},{"word":"different","start":1003.16,"end":1003.56,"confidence":0.33740234,"punctuated_word":"different...","sentiment":"neutral","sentiment_score":0.009356277994811537},{"word":"your","start":1003.56,"end":1003.8,"confidence":0.9970703,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":-0.00931411236524582},{"word":"major","start":1003.8,"end":1004.27997,"confidence":1.0,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.002015255391597748},{"word":"defensive","start":1004.27997,"end":1004.77997,"confidence":0.99609375,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.01034218817949295},{"word":"part","start":1005.0,"end":1005.24,"confidence":0.9980469,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.04173349589109421},{"word":"of","start":1005.24,"end":1005.39996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0348195880651474},{"word":"your","start":1005.39996,"end":1005.72,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03972941264510155},{"word":"portfolio","start":1005.72,"end":1006.22,"confidence":0.99902344,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.038175903260707855},{"word":"the","start":1009.335,"end":1009.65497,"confidence":0.9921875,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.13336403667926788},{"word":"portfolio","start":1009.65497,"end":1010.15497,"confidence":0.9819336,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1186484470963478},{"word":"is","start":1010.295,"end":1010.535,"confidence":0.87158203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12973642349243164},{"word":"designed","start":1010.535,"end":1010.935,"confidence":1.0,"punctuated_word":"designed","sentiment":"neutral","sentiment_score":0.13943524658679962},{"word":"to","start":1010.935,"end":1011.095,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14736151695251465},{"word":"give","start":1011.095,"end":1011.255,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1505483835935593},{"word":"you","start":1011.255,"end":1011.65497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13915987312793732},{"word":"different","start":1011.65497,"end":1012.15497,"confidence":0.9980469,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.10274554789066316},{"word":"economy","start":1013.735,"end":1014.235,"confidence":0.9580078,"punctuated_word":"economy","sentiment":"neutral","sentiment_score":0.16867199540138245},{"word":"diversification","start":1014.935,"end":1015.435,"confidence":0.82340497,"punctuated_word":"diversification,","sentiment":"neutral","sentiment_score":0.1546984314918518},{"word":"so","start":1016.375,"end":1016.615,"confidence":0.97265625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11245114356279372},{"word":"being","start":1016.615,"end":1016.935,"confidence":0.984375,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.13542795181274414},{"word":"europe","start":1016.935,"end":1017.415,"confidence":0.9975586,"punctuated_word":"Europe,","sentiment":"neutral","sentiment_score":0.10127689689397812},{"word":"japan","start":1017.415,"end":1017.895,"confidence":0.9453125,"punctuated_word":"Japan,","sentiment":"neutral","sentiment_score":0.1091977059841156},{"word":"and","start":1017.895,"end":1018.215,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1496727466583252},{"word":"all","start":1018.215,"end":1018.455,"confidence":0.890625,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.15161632001399994},{"word":"world","start":1018.455,"end":1018.955,"confidence":0.9284668,"punctuated_word":"world,","sentiment":"neutral","sentiment_score":0.17346690595149994},{"word":"which","start":1021.29,"end":1021.37,"confidence":0.9863281,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1833513081073761},{"word":"gives","start":1021.37,"end":1021.61,"confidence":0.96777344,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.14198142290115356},{"word":"you","start":1021.61,"end":1021.77,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21762853860855105},{"word":"the","start":1021.77,"end":1022.01,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1851869821548462},{"word":"exposure","start":1022.01,"end":1022.41,"confidence":0.9980469,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.13110940158367157},{"word":"to","start":1022.41,"end":1022.65,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18014810979366305},{"word":"all","start":1022.65,"end":1022.81,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.20259374380111697},{"word":"the","start":1022.81,"end":1022.97,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1653136909008026},{"word":"economies","start":1022.97,"end":1023.47,"confidence":0.9941406,"punctuated_word":"economies","sentiment":"neutral","sentiment_score":0.13903625309467316},{"word":"through","start":1023.61,"end":1023.93,"confidence":0.9448242,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.15500256419181824},{"word":"a","start":1023.93,"end":1024.01,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21334129571914673},{"word":"diversified","start":1024.01,"end":1024.51,"confidence":1.0,"punctuated_word":"diversified","sentiment":"neutral","sentiment_score":0.17245185375213623},{"word":"manner","start":1025.77,"end":1026.27,"confidence":0.9885254,"punctuated_word":"manner.","sentiment":"neutral","sentiment_score":0.1598744839429855},{"word":"the","start":1029.85,"end":1030.09,"confidence":0.98535156,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.03232722356915474},{"word":"asset","start":1030.09,"end":1030.49,"confidence":0.9980469,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.052585288882255554},{"word":"allocation","start":1030.49,"end":1030.99,"confidence":0.7792969,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.06694938242435455},{"word":"is","start":1031.05,"end":1031.13,"confidence":0.54296875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.024419568479061127},{"word":"the","start":1031.13,"end":1031.37,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04459748789668083},{"word":"next","start":1031.37,"end":1031.77,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.041553523391485214},{"word":"page","start":1031.77,"end":1032.09,"confidence":0.84033203,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.04084394127130509},{"word":"and","start":1032.09,"end":1032.25,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03915279358625412},{"word":"that's","start":1032.25,"end":1032.49,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.03888649493455887},{"word":"where","start":1032.49,"end":1032.73,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.03160163760185242},{"word":"i","start":1032.73,"end":1033.23,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04368263855576515},{"word":"i","start":1033.29,"end":1033.45,"confidence":0.91845703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04219416528940201},{"word":"referred","start":1033.45,"end":1033.85,"confidence":0.91259766,"punctuated_word":"referred","sentiment":"neutral","sentiment_score":0.04510119557380676},{"word":"to","start":1033.85,"end":1034.09,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05256481468677521},{"word":"earlier","start":1034.09,"end":1034.59,"confidence":0.9951172,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":0.06409651041030884},{"word":"with","start":1034.89,"end":1035.345,"confidence":0.9165039,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.046639516949653625},{"word":"the","start":1035.505,"end":1035.625,"confidence":0.90771484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029898643493652344},{"word":"the","start":1035.625,"end":1035.745,"confidence":0.75634766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0200178362429142},{"word":"difference","start":1035.745,"end":1036.225,"confidence":0.9951172,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.019590742886066437},{"word":"between","start":1036.225,"end":1036.5449,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.017633192241191864},{"word":"the","start":1036.5449,"end":1036.625,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012611620128154756},{"word":"balance","start":1036.625,"end":1037.125,"confidence":0.53759766,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.009318724274635317},{"word":"growth","start":1037.1849,"end":1037.505,"confidence":0.97314453,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.02848338708281517},{"word":"and","start":1037.505,"end":1037.905,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0014424026012420654},{"word":"the","start":1037.905,"end":1038.145,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01797357201576233},{"word":"high","start":1038.145,"end":1038.385,"confidence":0.99609375,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.03316430747509003},{"word":"growth","start":1038.385,"end":1038.865,"confidence":0.9614258,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.047853440046310425},{"word":"approach","start":1038.865,"end":1039.365,"confidence":0.9812012,"punctuated_word":"approach.","sentiment":"neutral","sentiment_score":0.0445682555437088},{"word":"so","start":1039.825,"end":1040.065,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.059236329048871994},{"word":"you'll","start":1040.065,"end":1040.225,"confidence":0.9975586,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.06205248832702637},{"word":"see","start":1040.225,"end":1040.725,"confidence":0.98291016,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06527812778949738},{"word":"existing","start":1040.865,"end":1041.365,"confidence":0.95703125,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":0.02926608175039291},{"word":"is","start":1041.585,"end":1041.905,"confidence":0.96777344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.003607388585805893},{"word":"you're","start":1041.905,"end":1042.145,"confidence":0.7487793,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.02484527789056301},{"word":"sitting","start":1042.145,"end":1042.385,"confidence":0.9941406,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.040973465889692307},{"word":"at","start":1042.385,"end":1042.5449,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0147661492228508},{"word":"about","start":1042.5449,"end":1042.945,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.00033552199602127075},{"word":"66","start":1042.945,"end":1043.6649,"confidence":0.99072266,"punctuated_word":"66","sentiment":"neutral","sentiment_score":0.035709820687770844},{"word":"and","start":1043.6649,"end":1043.905,"confidence":0.8125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01339757815003395},{"word":"then","start":1043.905,"end":1044.225,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04475032910704613},{"word":"34","start":1044.225,"end":1045.0449,"confidence":0.9921875,"punctuated_word":"34","sentiment":"neutral","sentiment_score":0.03206012025475502},{"word":"for","start":1045.1849,"end":1045.505,"confidence":0.97998047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.022723019123077393},{"word":"gross","start":1045.505,"end":1045.825,"confidence":0.6699219,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.03574548661708832},{"word":"first","start":1045.825,"end":1046.225,"confidence":0.38378906,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.03785373270511627},{"word":"assets","start":1046.225,"end":1046.725,"confidence":0.96484375,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.02705891616642475},{"word":"we're","start":1047.265,"end":1047.585,"confidence":0.99853516,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.10739421844482422},{"word":"recommending","start":1047.585,"end":1048.085,"confidence":0.9980469,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.1399359107017517},{"word":"a","start":1048.225,"end":1048.385,"confidence":0.9741211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11752061545848846},{"word":"94","start":1048.385,"end":1049.345,"confidence":0.9785156,"punctuated_word":"94","sentiment":"neutral","sentiment_score":0.12281304597854614},{"word":"to","start":1049.345,"end":1049.825,"confidence":0.9013672,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0398482009768486},{"word":"a","start":1049.825,"end":1049.905,"confidence":0.9428711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07531081885099411},{"word":"6%","start":1049.905,"end":1050.8201,"confidence":0.9682617,"punctuated_word":"6%","sentiment":"neutral","sentiment_score":0.08887820690870285},{"word":"allocation","start":1050.8201,"end":1051.3201,"confidence":1.0,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.09816061705350876},{"word":"just","start":1052.02,"end":1052.26,"confidence":0.87597656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0904061496257782},{"word":"to","start":1052.26,"end":1052.42,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08467073738574982},{"word":"be","start":1052.42,"end":1052.5801,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12778471410274506},{"word":"in","start":1052.5801,"end":1052.7401,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1358526051044464},{"word":"line","start":1052.7401,"end":1052.9,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.17568831145763397},{"word":"with","start":1052.9,"end":1053.14,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2119852900505066},{"word":"that","start":1053.14,"end":1053.38,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18217222392559052},{"word":"high","start":1053.38,"end":1053.62,"confidence":0.9970703,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.14515826106071472},{"word":"growth","start":1053.62,"end":1054.1001,"confidence":0.9243164,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1979278326034546},{"word":"investment","start":1054.1001,"end":1054.6001,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.11768702417612076},{"word":"portfolio","start":1054.9,"end":1055.4,"confidence":0.9453125,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.1409367024898529},{"word":"which","start":1056.5,"end":1056.7401,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.20836663246154785},{"word":"will","start":1056.7401,"end":1056.9801,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.15822045505046844},{"word":"allow","start":1056.9801,"end":1057.38,"confidence":1.0,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":0.13859541714191437},{"word":"you","start":1057.38,"end":1057.8601,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14130127429962158},{"word":"the","start":1057.8601,"end":1058.1001,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1214175894856453},{"word":"long","start":1058.1001,"end":1058.3401,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.11734030395746232},{"word":"term","start":1058.3401,"end":1058.7401,"confidence":0.9980469,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.17288604378700256},{"word":"growth","start":1058.7401,"end":1059.14,"confidence":0.9206543,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.14003266394138336},{"word":"and","start":1059.14,"end":1059.4601,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.027727339416742325},{"word":"as","start":1059.4601,"end":1059.7001,"confidence":0.96533203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03457271680235863},{"word":"we've","start":1059.7001,"end":1060.1001,"confidence":0.9975586,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.037728846073150635},{"word":"discussed","start":1060.1001,"end":1060.5801,"confidence":0.99902344,"punctuated_word":"discussed","sentiment":"neutral","sentiment_score":0.04147712141275406},{"word":"before","start":1060.5801,"end":1060.9,"confidence":0.99609375,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.04071911424398422},{"word":"you","start":1060.9,"end":1061.2201,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007911596447229385},{"word":"you","start":1061.2201,"end":1061.38,"confidence":0.5449219,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.001693613827228546},{"word":"do","start":1061.38,"end":1061.88,"confidence":0.99902344,"punctuated_word":"do...","sentiment":"neutral","sentiment_score":-0.005912167020142078},{"word":"with","start":1062.18,"end":1062.3401,"confidence":0.9980469,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.2653532028198242},{"word":"your","start":1062.3401,"end":1062.5,"confidence":0.9980469,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.3334374725818634},{"word":"superannuation","start":1062.5,"end":1063.0,"confidence":0.9628906,"punctuated_word":"superannuation,","sentiment":"neutral","sentiment_score":-0.2978851795196533},{"word":"legally","start":1063.38,"end":1063.8601,"confidence":0.9650879,"punctuated_word":"legally,","sentiment":"neutral","sentiment_score":-0.247263103723526},{"word":"you're","start":1063.8601,"end":1064.1001,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.21845948696136477},{"word":"unable","start":1064.1001,"end":1064.5,"confidence":0.9980469,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.30032646656036377},{"word":"to","start":1064.5,"end":1064.66,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.28380727767944336},{"word":"access","start":1064.66,"end":1065.06,"confidence":0.99609375,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.2837180197238922},{"word":"it","start":1065.06,"end":1065.14,"confidence":0.9301758,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2600276470184326},{"word":"until","start":1065.14,"end":1065.4601,"confidence":0.7963867,"punctuated_word":"until","sentiment":"negative","sentiment_score":-0.3761409819126129},{"word":"you're","start":1065.4601,"end":1065.855,"confidence":0.7561035,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.3003185987472534},{"word":"60","start":1065.855,"end":1066.095,"confidence":0.9580078,"punctuated_word":"60","sentiment":"neutral","sentiment_score":-0.2485230267047882},{"word":"years","start":1066.095,"end":1066.255,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.25027284026145935},{"word":"of","start":1066.255,"end":1066.335,"confidence":0.97802734,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2370903193950653},{"word":"all","start":1066.335,"end":1066.495,"confidence":0.4807129,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1972707360982895},{"word":"age","start":1066.495,"end":1066.995,"confidence":0.7026367,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.25034430623054504},{"word":"based","start":1067.695,"end":1067.9349,"confidence":0.91845703,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.2683870494365692},{"word":"on","start":1067.9349,"end":1068.1749,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2742708921432495},{"word":"today's","start":1068.1749,"end":1068.495,"confidence":0.9995117,"punctuated_word":"today's","sentiment":"neutral","sentiment_score":-0.2478611171245575},{"word":"legislation","start":1068.495,"end":1068.995,"confidence":0.87890625,"punctuated_word":"legislation.","sentiment":"neutral","sentiment_score":-0.1979824006557465},{"word":"so","start":1069.695,"end":1069.9349,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13227643072605133},{"word":"you","start":1069.9349,"end":1070.015,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19046582281589508},{"word":"do","start":1070.015,"end":1070.255,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1071581169962883},{"word":"have","start":1070.255,"end":1070.495,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.16218462586402893},{"word":"time","start":1070.495,"end":1070.815,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.20001351833343503},{"word":"on","start":1070.815,"end":1070.975,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2621122896671295},{"word":"your","start":1070.975,"end":1071.135,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.23204392194747925},{"word":"side","start":1071.135,"end":1071.455,"confidence":0.9902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.28535664081573486},{"word":"again","start":1071.455,"end":1071.9349,"confidence":0.9394531,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.1606369912624359},{"word":"to","start":1071.9349,"end":1072.4349,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3242565989494324},{"word":"take","start":1073.855,"end":1074.255,"confidence":0.66308594,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.3311373293399811},{"word":"that","start":1074.255,"end":1074.495,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2636779844760895},{"word":"higher","start":1074.495,"end":1074.895,"confidence":0.99609375,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.2480231374502182},{"word":"risk","start":1074.895,"end":1075.395,"confidence":0.99853516,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.20570504665374756},{"word":"any","start":1077.375,"end":1077.695,"confidence":0.9980469,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":-0.015954282134771347},{"word":"questions","start":1077.695,"end":1078.015,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.030897721648216248},{"word":"about","start":1078.015,"end":1078.335,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.03350461274385452},{"word":"that","start":1078.335,"end":1078.835,"confidence":0.99902344,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.015256425365805626},{"word":"no","start":1081.55,"end":1082.05,"confidence":0.9699707,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1577724665403366},{"word":"we","start":1084.5901,"end":1084.91,"confidence":0.9970703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.31590956449508667},{"word":"we","start":1084.91,"end":1085.0701,"confidence":0.9951172,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.49433594942092896},{"word":"definitely","start":1085.0701,"end":1085.5701,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.5404456853866577},{"word":"recommend","start":1085.7101,"end":1086.2101,"confidence":0.8972168,"punctuated_word":"recommend.","sentiment":"neutral","sentiment_score":0.21202364563941956},{"word":"so","start":1086.3501,"end":1086.51,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08204303681850433},{"word":"there's","start":1086.51,"end":1086.9901,"confidence":0.9206543,"punctuated_word":"there's...","sentiment":"neutral","sentiment_score":0.05728159099817276},{"word":"you're","start":1086.9901,"end":1087.31,"confidence":0.9921875,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.04730445146560669},{"word":"not","start":1087.31,"end":1087.81,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.04886119067668915},{"word":"needing","start":1087.8701,"end":1088.3501,"confidence":0.99902344,"punctuated_word":"needing","sentiment":"neutral","sentiment_score":-0.031217090785503387},{"word":"to","start":1088.3501,"end":1088.51,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09760496020317078},{"word":"sign","start":1088.51,"end":1088.75,"confidence":0.9980469,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.1505153924226761},{"word":"this","start":1088.75,"end":1088.9901,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.09111927449703217},{"word":"today","start":1088.9901,"end":1089.4701,"confidence":0.9523926,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":-0.05085029825568199},{"word":"we","start":1089.4701,"end":1089.8701,"confidence":0.9970703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.042168088257312775},{"word":"absolutely","start":1089.8701,"end":1090.3701,"confidence":0.7207031,"punctuated_word":"absolutely...","sentiment":"neutral","sentiment_score":0.06261510401964188},{"word":"i'm","start":1090.5901,"end":1090.75,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0010101547231897712},{"word":"running","start":1090.75,"end":1091.15,"confidence":1.0,"punctuated_word":"running","sentiment":"neutral","sentiment_score":-0.05129529535770416},{"word":"through","start":1091.15,"end":1091.31,"confidence":0.97998047,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.0311148539185524},{"word":"it","start":1091.31,"end":1091.4701,"confidence":0.984375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.00836692750453949},{"word":"to","start":1091.4701,"end":1091.63,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00035193562507629395},{"word":"give","start":1091.63,"end":1091.8701,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.012553423643112184},{"word":"you","start":1091.8701,"end":1092.1101,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01061619445681572},{"word":"the","start":1092.1101,"end":1092.6101,"confidence":0.8388672,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00431307777762413},{"word":"the","start":1095.0751,"end":1095.5751,"confidence":0.99902344,"punctuated_word":"the...","sentiment":"neutral","sentiment_score":-0.016622286289930344},{"word":"yeah","start":1095.9551,"end":1096.3551,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05436132103204727},{"word":"and","start":1096.3551,"end":1096.515,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07100182771682739},{"word":"then","start":1096.515,"end":1096.915,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07685388624668121},{"word":"we","start":1096.915,"end":1097.155,"confidence":0.9892578,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.31155869364738464},{"word":"definitely","start":1097.155,"end":1097.555,"confidence":0.9873047,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.4432718753814697},{"word":"recommend","start":1097.555,"end":1098.035,"confidence":1.0,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.2585422992706299},{"word":"you","start":1098.035,"end":1098.1951,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19793137907981873},{"word":"read","start":1098.1951,"end":1098.435,"confidence":0.9951172,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.14173097908496857},{"word":"through","start":1098.435,"end":1098.675,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2926223576068878},{"word":"that","start":1098.675,"end":1099.175,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.33979368209838867},{"word":"the","start":1101.0751,"end":1101.2351,"confidence":0.8989258,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.037876322865486145},{"word":"next","start":1101.2351,"end":1101.555,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.03416293114423752},{"word":"section","start":1101.555,"end":1102.055,"confidence":1.0,"punctuated_word":"section","sentiment":"neutral","sentiment_score":-0.09328091144561768},{"word":"is","start":1102.115,"end":1102.435,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16117560863494873},{"word":"the","start":1102.435,"end":1102.5951,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2478492856025696},{"word":"sari","start":1102.5951,"end":1102.995,"confidence":0.7668457,"punctuated_word":"sari","sentiment":"neutral","sentiment_score":-0.31134262681007385},{"word":"sacrifice","start":1102.995,"end":1103.495,"confidence":0.95532227,"punctuated_word":"sacrifice.","sentiment":"neutral","sentiment_score":-0.07232797890901566},{"word":"so","start":1103.875,"end":1104.115,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.015217270702123642},{"word":"rather","start":1104.115,"end":1104.435,"confidence":0.9951172,"punctuated_word":"rather...","sentiment":"neutral","sentiment_score":0.01605912297964096},{"word":"and","start":1104.435,"end":1104.5951,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05084141343832016},{"word":"the","start":1104.5951,"end":1104.755,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06300517916679382},{"word":"only","start":1104.755,"end":1104.995,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.03839898854494095},{"word":"reason","start":1104.995,"end":1105.4751,"confidence":0.99902344,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.028868883848190308},{"word":"that","start":1105.4751,"end":1105.7151,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09324902296066284},{"word":"we","start":1105.7151,"end":1105.9551,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15285077691078186},{"word":"changed","start":1105.9551,"end":1106.3551,"confidence":0.9873047,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.22342023253440857},{"word":"it","start":1106.3551,"end":1106.5951,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06335952132940292},{"word":"to","start":1106.5951,"end":1106.8351,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12222545593976974},{"word":"a","start":1106.8351,"end":1107.0751,"confidence":0.9526367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13040661811828613},{"word":"sari","start":1107.0751,"end":1107.395,"confidence":0.99853516,"punctuated_word":"sari","sentiment":"neutral","sentiment_score":0.0658102035522461},{"word":"sacrifice","start":1107.395,"end":1107.895,"confidence":1.0,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":-0.02426406741142273},{"word":"and","start":1108.11,"end":1108.59,"confidence":0.62158203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04579193890094757},{"word":"after","start":1108.59,"end":1108.91,"confidence":0.9892578,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.17497259378433228},{"word":"tax","start":1108.91,"end":1109.39,"confidence":0.99121094,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1937002539634705},{"word":"contributions","start":1109.39,"end":1109.89,"confidence":0.9506836,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.196410670876503},{"word":"is","start":1110.91,"end":1111.41,"confidence":0.984375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2961902320384979},{"word":"for","start":1111.5499,"end":1112.0499,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3307502567768097},{"word":"efficiency","start":1112.51,"end":1113.01,"confidence":1.0,"punctuated_word":"efficiency","sentiment":"positive","sentiment_score":0.41271835565567017},{"word":"on","start":1113.15,"end":1113.39,"confidence":0.9980469,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4795336127281189},{"word":"your","start":1113.39,"end":1113.63,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4161666631698608},{"word":"behalf","start":1113.63,"end":1113.95,"confidence":0.9946289,"punctuated_word":"behalf.","sentiment":"positive","sentiment_score":0.3945793807506562},{"word":"you're","start":1113.95,"end":1114.11,"confidence":0.9699707,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.3103069067001343},{"word":"you're","start":1114.11,"end":1114.35,"confidence":0.98999023,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3328171372413635},{"word":"not","start":1114.35,"end":1114.59,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.22419673204421997},{"word":"needing","start":1114.59,"end":1114.83,"confidence":0.99902344,"punctuated_word":"needing","sentiment":"neutral","sentiment_score":0.24880588054656985},{"word":"to","start":1114.83,"end":1114.99,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14885061979293823},{"word":"set","start":1114.99,"end":1115.23,"confidence":1.0,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.11917679011821748},{"word":"this","start":1115.23,"end":1115.39,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2457982301712036},{"word":"up","start":1115.39,"end":1115.63,"confidence":0.9885254,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.190023273229599},{"word":"your","start":1115.63,"end":1115.87,"confidence":0.9980469,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.28325963020324707},{"word":"employer","start":1115.87,"end":1116.19,"confidence":0.9873047,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":0.3094971179962158},{"word":"will","start":1116.19,"end":1116.35,"confidence":0.9350586,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.32903724908828735},{"word":"do","start":1116.35,"end":1116.51,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3870868384838104},{"word":"it","start":1116.51,"end":1116.59,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3999727964401245},{"word":"on","start":1116.59,"end":1116.75,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3819584250450134},{"word":"your","start":1116.75,"end":1116.99,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.39754849672317505},{"word":"behalf","start":1116.99,"end":1117.49,"confidence":0.9980469,"punctuated_word":"behalf.","sentiment":"neutral","sentiment_score":0.3070847690105438},{"word":"the","start":1118.03,"end":1118.35,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.32791274785995483},{"word":"taxable","start":1118.35,"end":1118.85,"confidence":1.0,"punctuated_word":"taxable","sentiment":"positive","sentiment_score":0.35534459352493286},{"word":"outcome","start":1118.99,"end":1119.49,"confidence":1.0,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":0.2477942407131195},{"word":"is","start":1119.5499,"end":1119.79,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3614500761032105},{"word":"still","start":1119.79,"end":1120.03,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4010089039802551},{"word":"the","start":1120.03,"end":1120.27,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4006688892841339},{"word":"same","start":1120.27,"end":1120.77,"confidence":1.0,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.4205608069896698},{"word":"as","start":1120.91,"end":1121.07,"confidence":0.96435547,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.39721059799194336},{"word":"you'll","start":1121.07,"end":1121.39,"confidence":0.95581055,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.3095340430736542},{"word":"see","start":1121.39,"end":1121.5499,"confidence":0.9873047,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.3784230649471283},{"word":"in","start":1121.5499,"end":1121.71,"confidence":0.9980469,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3638381361961365},{"word":"that","start":1121.71,"end":1121.95,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.336929053068161},{"word":"table","start":1121.95,"end":1122.45,"confidence":0.9658203,"punctuated_word":"table.","sentiment":"neutral","sentiment_score":0.23845835030078888},{"word":"it's","start":1122.725,"end":1122.885,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.20907318592071533},{"word":"just","start":1122.885,"end":1123.045,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1966890394687653},{"word":"that","start":1123.045,"end":1123.125,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22764714062213895},{"word":"you're","start":1123.125,"end":1123.285,"confidence":0.9904785,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1881004273891449},{"word":"gonna","start":1123.285,"end":1123.605,"confidence":0.9921875,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.16328610479831696},{"word":"do","start":1123.605,"end":1123.765,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15922799706459043},{"word":"it","start":1123.765,"end":1124.005,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15731221437454224},{"word":"via","start":1124.005,"end":1124.505,"confidence":0.8857422,"punctuated_word":"via","sentiment":"neutral","sentiment_score":0.12302064150571825},{"word":"by","start":1124.965,"end":1125.2051,"confidence":0.5751953,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.06775808334350586},{"word":"two","start":1125.2051,"end":1125.525,"confidence":0.9902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.07060372084379196},{"word":"diff","start":1125.525,"end":1126.005,"confidence":0.50146484,"punctuated_word":"diff...","sentiment":"neutral","sentiment_score":0.01184744108468294},{"word":"by","start":1126.005,"end":1126.165,"confidence":0.921875,"punctuated_word":"By","sentiment":"neutral","sentiment_score":0.008194858208298683},{"word":"a","start":1126.165,"end":1126.3251,"confidence":0.97998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020669039338827133},{"word":"different","start":1126.3251,"end":1126.8251,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.012059256434440613},{"word":"contribution","start":1127.525,"end":1128.025,"confidence":0.9277344,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.01071218028664589},{"word":"method","start":1128.3251,"end":1128.8251,"confidence":0.99853516,"punctuated_word":"method.","sentiment":"neutral","sentiment_score":0.026880057528615},{"word":"yes","start":1140.01,"end":1140.51,"confidence":0.7435303,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1731187105178833},{"word":"exactly","start":1140.97,"end":1141.47,"confidence":0.9030762,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.2756662964820862},{"word":"yep","start":1141.53,"end":1142.03,"confidence":0.9602051,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2778630554676056},{"word":"yep","start":1142.1699,"end":1142.6699,"confidence":0.9812012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2552044987678528},{"word":"and","start":1143.0499,"end":1143.5499,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19823169708251953},{"word":"it","start":1143.69,"end":1143.9299,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19298574328422544},{"word":"it","start":1143.9299,"end":1144.4099,"confidence":0.99121094,"punctuated_word":"it...","sentiment":"neutral","sentiment_score":0.11457457393407822},{"word":"the","start":1144.4099,"end":1144.49,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.08511325716972351},{"word":"only","start":1144.49,"end":1144.99,"confidence":0.99902344,"punctuated_word":"only...","sentiment":"neutral","sentiment_score":0.053675368428230286},{"word":"the","start":1145.2899,"end":1145.45,"confidence":0.9291992,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.2659549117088318},{"word":"outcome","start":1145.45,"end":1145.95,"confidence":0.9980469,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":0.31345775723457336},{"word":"and","start":1146.09,"end":1146.25,"confidence":0.9941406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3712623715400696},{"word":"the","start":1146.25,"end":1146.4099,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.468018501996994},{"word":"benefits","start":1146.4099,"end":1146.89,"confidence":0.86328125,"punctuated_word":"benefits","sentiment":"positive","sentiment_score":0.4590743780136109},{"word":"are","start":1146.89,"end":1147.0499,"confidence":0.9277344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.46963632106781006},{"word":"the","start":1147.0499,"end":1147.21,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5528137683868408},{"word":"same","start":1147.21,"end":1147.45,"confidence":1.0,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.6117851734161377},{"word":"of","start":1147.45,"end":1147.69,"confidence":0.8510742,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.478196918964386},{"word":"doing","start":1147.69,"end":1148.01,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.4262953698635102},{"word":"both","start":1148.01,"end":1148.51,"confidence":0.8913574,"punctuated_word":"both.","sentiment":"positive","sentiment_score":0.40780675411224365},{"word":"it's","start":1148.8099,"end":1149.0499,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.3949326276779175},{"word":"just","start":1149.0499,"end":1149.37,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.30486205220222473},{"word":"that","start":1149.37,"end":1149.87,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3629339337348938},{"word":"you","start":1150.925,"end":1151.165,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5001798272132874},{"word":"won't","start":1151.165,"end":1151.405,"confidence":0.99902344,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.23486879467964172},{"word":"have","start":1151.405,"end":1151.645,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.30951163172721863},{"word":"to","start":1151.645,"end":1151.725,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2981809675693512},{"word":"do","start":1151.725,"end":1151.805,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.27286991477012634},{"word":"it","start":1151.805,"end":1151.965,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3321225643157959},{"word":"yourself","start":1151.965,"end":1152.465,"confidence":0.99902344,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.26677942276000977},{"word":"efficiency","start":1152.765,"end":1153.265,"confidence":0.62353516,"punctuated_word":"efficiency","sentiment":"positive","sentiment_score":0.4211093187332154},{"word":"wise","start":1153.5651,"end":1154.0651,"confidence":0.9880371,"punctuated_word":"wise.","sentiment":"positive","sentiment_score":0.3694096803665161},{"word":"it's","start":1155.085,"end":1155.405,"confidence":0.9748535,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4616250991821289},{"word":"there","start":1155.405,"end":1155.905,"confidence":0.9873047,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4887911081314087},{"word":"and","start":1156.925,"end":1157.085,"confidence":0.5107422,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4688175320625305},{"word":"it's","start":1157.085,"end":1157.405,"confidence":0.99072266,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4577939510345459},{"word":"set","start":1157.405,"end":1157.645,"confidence":0.94970703,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.3265215754508972},{"word":"up","start":1157.645,"end":1158.145,"confidence":0.9995117,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.3180198669433594},{"word":"yeah","start":1162.88,"end":1163.2,"confidence":0.9284668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16904962062835693},{"word":"yep","start":1163.2,"end":1163.5199,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16823357343673706},{"word":"just","start":1163.5199,"end":1163.84,"confidence":0.9941406,"punctuated_word":"Just...","sentiment":"neutral","sentiment_score":0.08939692378044128},{"word":"we've","start":1163.84,"end":1164.08,"confidence":0.9707031,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.23842939734458923},{"word":"just","start":1164.08,"end":1164.3999,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2155880331993103},{"word":"recommended","start":1164.3999,"end":1164.88,"confidence":0.99902344,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.24547138810157776},{"word":"the","start":1164.88,"end":1165.12,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25664567947387695},{"word":"same","start":1165.12,"end":1165.36,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.3274182677268982},{"word":"amount","start":1165.36,"end":1165.6799,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.22838905453681943},{"word":"that","start":1165.6799,"end":1165.84,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3214856684207916},{"word":"you're","start":1165.84,"end":1166.08,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.27336108684539795},{"word":"currently","start":1166.08,"end":1166.5599,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.23306268453598025},{"word":"doing","start":1166.5599,"end":1167.0599,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2956541180610657},{"word":"so","start":1168.0,"end":1168.1599,"confidence":0.6479492,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1077629178762436},{"word":"that","start":1168.1599,"end":1168.3999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1783575713634491},{"word":"there's","start":1168.3999,"end":1168.72,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.17612004280090332},{"word":"no","start":1168.72,"end":1169.0399,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.07506608963012695},{"word":"change","start":1169.0399,"end":1169.44,"confidence":0.99609375,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.11128176003694534},{"word":"to","start":1169.44,"end":1169.5199,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09164644032716752},{"word":"your","start":1169.5199,"end":1169.84,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0057721734046936035},{"word":"personal","start":1169.84,"end":1170.34,"confidence":1.0,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.06452184170484543},{"word":"cash","start":1170.64,"end":1170.88,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.035125672817230225},{"word":"flow","start":1170.88,"end":1171.36,"confidence":0.95703125,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.11807848513126372},{"word":"impacts","start":1171.36,"end":1171.86,"confidence":0.98339844,"punctuated_word":"impacts.","sentiment":"neutral","sentiment_score":0.06451201438903809},{"word":"yeah","start":1175.84,"end":1176.34,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.412423312664032},{"word":"yeah","start":1176.64,"end":1177.14,"confidence":0.9523926,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.41639959812164307},{"word":"it's","start":1177.5851,"end":1177.8251,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6704060435295105},{"word":"much","start":1177.8251,"end":1178.2251,"confidence":0.99902344,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.7184543013572693},{"word":"more","start":1178.2251,"end":1178.4651,"confidence":0.8989258,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.6621820330619812},{"word":"easier","start":1178.4651,"end":1178.865,"confidence":0.7458496,"punctuated_word":"easier,","sentiment":"positive","sentiment_score":0.7033648490905762},{"word":"and","start":1178.865,"end":1178.9451,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6498587131500244},{"word":"you","start":1178.9451,"end":1179.1051,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6843438148498535},{"word":"don't","start":1179.1051,"end":1179.265,"confidence":1.0,"punctuated_word":"don't","sentiment":"positive","sentiment_score":0.6156195402145386},{"word":"have","start":1179.265,"end":1179.425,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5612937211990356},{"word":"to","start":1179.425,"end":1179.505,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5444806814193726},{"word":"worry","start":1179.505,"end":1179.745,"confidence":1.0,"punctuated_word":"worry","sentiment":"positive","sentiment_score":0.4686627984046936},{"word":"about","start":1179.745,"end":1179.9851,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.4532155394554138},{"word":"it","start":1179.9851,"end":1180.0651,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5125753283500671},{"word":"then","start":1180.0651,"end":1180.5651,"confidence":0.9975586,"punctuated_word":"then.","sentiment":"positive","sentiment_score":0.548861563205719},{"word":"the","start":1184.385,"end":1184.625,"confidence":0.9277344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.2183604836463928},{"word":"next","start":1184.625,"end":1185.1051,"confidence":0.99902344,"punctuated_word":"next...","sentiment":"neutral","sentiment_score":0.1271190196275711},{"word":"and","start":1185.1051,"end":1185.425,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06977012008428574},{"word":"and","start":1185.425,"end":1185.665,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06741126626729965},{"word":"the","start":1185.665,"end":1185.8251,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09060929715633392},{"word":"document","start":1185.8251,"end":1186.305,"confidence":0.9980469,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.08073294907808304},{"word":"there","start":1186.305,"end":1186.625,"confidence":0.9716797,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06567437946796417},{"word":"will","start":1186.625,"end":1186.785,"confidence":0.9760742,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0840819925069809},{"word":"go","start":1186.785,"end":1187.1051,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.08847086131572723},{"word":"through","start":1187.1051,"end":1187.505,"confidence":1.0,"punctuated_word":"through...","sentiment":"neutral","sentiment_score":0.09397731721401216},{"word":"the","start":1187.505,"end":1187.745,"confidence":0.96875,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.03508825600147247},{"word":"the","start":1187.745,"end":1187.8251,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0381791815161705},{"word":"next","start":1187.8251,"end":1188.0651,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.08161614090204239},{"word":"couple","start":1188.0651,"end":1188.305,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.03156173974275589},{"word":"of","start":1188.305,"end":1188.4651,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.025831907987594604},{"word":"pages","start":1188.4651,"end":1188.785,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":-0.004491984844207764},{"word":"of","start":1188.785,"end":1188.9451,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.033730123192071915},{"word":"that","start":1188.9451,"end":1189.1051,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.040386490523815155},{"word":"will","start":1189.1051,"end":1189.3451,"confidence":0.9716797,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07392457872629166},{"word":"go","start":1189.3451,"end":1189.505,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10040289908647536},{"word":"through","start":1189.505,"end":1189.745,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1094372496008873},{"word":"the","start":1189.745,"end":1189.905,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.050173431634902954},{"word":"advantages","start":1189.905,"end":1190.405,"confidence":0.99902344,"punctuated_word":"advantages","sentiment":"neutral","sentiment_score":0.07134952396154404},{"word":"and","start":1190.4651,"end":1190.7051,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0222240686416626},{"word":"disadvantages","start":1190.7051,"end":1191.2051,"confidence":0.9995117,"punctuated_word":"disadvantages.","sentiment":"neutral","sentiment_score":0.040581028908491135},{"word":"again","start":1192.02,"end":1192.42,"confidence":0.99853516,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.17598122358322144},{"word":"they're","start":1192.42,"end":1192.74,"confidence":0.9941406,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.224964901804924},{"word":"the","start":1192.74,"end":1192.8201,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2396824061870575},{"word":"same","start":1192.8201,"end":1193.06,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.22663533687591553},{"word":"as","start":1193.06,"end":1193.3,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2278892546892166},{"word":"you're","start":1193.3,"end":1193.4601,"confidence":0.9941406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.20009982585906985},{"word":"currently","start":1193.4601,"end":1193.9601,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.07829411327838898},{"word":"doing","start":1194.02,"end":1194.42,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.11558253318071364},{"word":"now","start":1194.42,"end":1194.92,"confidence":0.9848633,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.10943001508712769},{"word":"it's","start":1196.42,"end":1196.66,"confidence":0.9267578,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.05034699663519859},{"word":"just","start":1196.66,"end":1196.98,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04031771421432495},{"word":"a","start":1196.98,"end":1197.14,"confidence":0.96972656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.007481271401047707},{"word":"different","start":1197.14,"end":1197.64,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.03776127099990845},{"word":"type","start":1197.86,"end":1198.18,"confidence":0.9980469,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.04979735240340233},{"word":"of","start":1198.18,"end":1198.66,"confidence":1.0,"punctuated_word":"of...","sentiment":"neutral","sentiment_score":-0.022262021899223328},{"word":"it's","start":1198.66,"end":1198.9,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.036909475922584534},{"word":"just","start":1198.9,"end":1199.14,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.038298435509204865},{"word":"a","start":1199.14,"end":1199.22,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02233123779296875},{"word":"different","start":1199.22,"end":1199.54,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.0602402426302433},{"word":"way","start":1199.54,"end":1199.7001,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.021262764930725098},{"word":"of","start":1199.7001,"end":1199.86,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012891322374343872},{"word":"making","start":1199.86,"end":1200.18,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.04262571781873703},{"word":"that","start":1200.18,"end":1200.3401,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07449812442064285},{"word":"contribution","start":1200.3401,"end":1200.8401,"confidence":1.0,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":0.054570116102695465},{"word":"the","start":1204.18,"end":1204.42,"confidence":0.9223633,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.12222354859113692},{"word":"next","start":1204.42,"end":1204.66,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1282949596643448},{"word":"part","start":1204.66,"end":1204.9,"confidence":0.9980469,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.17911870777606964},{"word":"is","start":1204.9,"end":1205.06,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1319630742073059},{"word":"where","start":1205.06,"end":1205.22,"confidence":0.99609375,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.12270204722881316},{"word":"i'm","start":1205.22,"end":1205.38,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1495341658592224},{"word":"gonna","start":1205.38,"end":1205.7001,"confidence":0.9838867,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.19603592157363892},{"word":"spend","start":1205.7001,"end":1206.18,"confidence":0.9980469,"punctuated_word":"spend","sentiment":"neutral","sentiment_score":0.1685137301683426},{"word":"probably","start":1206.18,"end":1206.68,"confidence":0.8730469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.18647480010986328},{"word":"a","start":1206.9,"end":1206.98,"confidence":0.93115234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16571535170078278},{"word":"fair","start":1206.98,"end":1207.48,"confidence":0.7783203,"punctuated_word":"fair","sentiment":"neutral","sentiment_score":0.18257062137126925},{"word":"a","start":1208.485,"end":1208.645,"confidence":0.8852539,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.217071995139122},{"word":"a","start":1208.645,"end":1208.725,"confidence":0.6020508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25618910789489746},{"word":"decent","start":1208.725,"end":1209.125,"confidence":0.99609375,"punctuated_word":"decent","sentiment":"neutral","sentiment_score":0.23067481815814972},{"word":"amount","start":1209.125,"end":1209.445,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.2568669617176056},{"word":"of","start":1209.445,"end":1209.525,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.192992240190506},{"word":"our","start":1209.525,"end":1209.765,"confidence":0.9951172,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.2301047146320343},{"word":"time","start":1209.765,"end":1210.165,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.19935408234596252},{"word":"just","start":1210.165,"end":1210.405,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2072066068649292},{"word":"to","start":1210.405,"end":1210.565,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13022129237651825},{"word":"go","start":1210.565,"end":1210.8049,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11272717267274857},{"word":"through","start":1210.8049,"end":1211.0449,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1066906601190567},{"word":"the","start":1211.0449,"end":1211.285,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1070224940776825},{"word":"insurances","start":1211.285,"end":1211.785,"confidence":0.9996745,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.07957355678081512},{"word":"i","start":1212.965,"end":1213.125,"confidence":0.8574219,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08010533452033997},{"word":"know","start":1213.125,"end":1213.365,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.058482661843299866},{"word":"we","start":1213.365,"end":1213.605,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10623405873775482},{"word":"spoke","start":1213.605,"end":1214.105,"confidence":0.9970703,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.07516404986381531},{"word":"previously","start":1214.485,"end":1214.985,"confidence":0.8449707,"punctuated_word":"previously,","sentiment":"neutral","sentiment_score":0.0942486971616745},{"word":"and","start":1215.525,"end":1216.005,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08726803958415985},{"word":"we","start":1216.005,"end":1216.165,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1205405592918396},{"word":"did","start":1216.165,"end":1216.405,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.11469077318906784},{"word":"the","start":1216.405,"end":1216.565,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1102655678987503},{"word":"pre","start":1216.565,"end":1216.885,"confidence":0.984375,"punctuated_word":"pre","sentiment":"neutral","sentiment_score":0.06793687492609024},{"word":"assessment","start":1216.885,"end":1217.385,"confidence":0.9658203,"punctuated_word":"assessment","sentiment":"neutral","sentiment_score":0.09792889654636384},{"word":"in","start":1217.445,"end":1217.605,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0638098269701004},{"word":"relation","start":1217.605,"end":1218.085,"confidence":0.99902344,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.09051648527383804},{"word":"to","start":1218.085,"end":1218.245,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09072252362966536},{"word":"the","start":1218.245,"end":1218.405,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10021510720252992},{"word":"bmi","start":1218.405,"end":1218.905,"confidence":0.9741211,"punctuated_word":"BMI","sentiment":"neutral","sentiment_score":0.08276005834341049},{"word":"and","start":1218.965,"end":1219.205,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12117750942707062},{"word":"what","start":1219.205,"end":1219.605,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.22928234934806824},{"word":"insurance","start":1219.605,"end":1220.105,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.0985366702079773},{"word":"terms","start":1222.63,"end":1223.13,"confidence":0.9790039,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.1083189696073532},{"word":"retail","start":1223.51,"end":1223.91,"confidence":0.6855469,"punctuated_word":"retail","sentiment":"neutral","sentiment_score":0.18622726202011108},{"word":"funds","start":1223.91,"end":1224.31,"confidence":0.99902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.18774671852588656},{"word":"would","start":1224.31,"end":1224.7101,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2910913825035095},{"word":"provide","start":1224.7101,"end":1225.2101,"confidence":0.982666,"punctuated_word":"provide.","sentiment":"neutral","sentiment_score":0.2010035216808319},{"word":"so","start":1225.8301,"end":1226.0701,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1812516748905182},{"word":"what","start":1226.0701,"end":1226.2301,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.28622376918792725},{"word":"we've","start":1226.2301,"end":1226.55,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2298035025596619},{"word":"done","start":1226.55,"end":1226.79,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2600216865539551},{"word":"is","start":1226.79,"end":1227.03,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2665521502494812},{"word":"we've","start":1227.03,"end":1227.27,"confidence":0.9875488,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2396307587623596},{"word":"tried","start":1227.27,"end":1227.5901,"confidence":0.99902344,"punctuated_word":"tried","sentiment":"neutral","sentiment_score":0.2663840055465698},{"word":"to","start":1227.5901,"end":1227.75,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27069416642189026},{"word":"be","start":1227.75,"end":1228.15,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2374642938375473},{"word":"a","start":1228.15,"end":1228.31,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2303503304719925},{"word":"little","start":1228.31,"end":1228.55,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.12342940270900726},{"word":"bit","start":1228.55,"end":1228.79,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20391374826431272},{"word":"creative","start":1228.79,"end":1229.1901,"confidence":1.0,"punctuated_word":"creative","sentiment":"neutral","sentiment_score":0.10496865212917328},{"word":"to","start":1229.1901,"end":1229.3501,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2034050226211548},{"word":"get","start":1229.3501,"end":1229.51,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.29980790615081787},{"word":"you","start":1229.51,"end":1229.67,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3620191812515259},{"word":"as","start":1229.67,"end":1229.91,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3196427822113037},{"word":"much","start":1229.91,"end":1230.2301,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.2458680272102356},{"word":"cover","start":1230.2301,"end":1230.63,"confidence":0.98828125,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.20852257311344147},{"word":"as","start":1230.63,"end":1230.87,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27989381551742554},{"word":"possible","start":1230.87,"end":1231.37,"confidence":0.9951172,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":-0.055238451808691025},{"word":"so","start":1233.5549,"end":1233.7949,"confidence":0.9394531,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10027716308832169},{"word":"what","start":1233.7949,"end":1234.0349,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.14275598526000977},{"word":"we","start":1234.0349,"end":1234.195,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17632430791854858},{"word":"have","start":1234.195,"end":1234.4349,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1899489462375641},{"word":"recommended","start":1234.4349,"end":1234.9349,"confidence":1.0,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.23141169548034668},{"word":"is","start":1235.075,"end":1235.315,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17080947756767273},{"word":"when","start":1235.315,"end":1235.5549,"confidence":0.9790039,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.15110735595226288},{"word":"you","start":1235.5549,"end":1235.715,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17244422435760498},{"word":"apply","start":1235.715,"end":1236.215,"confidence":0.46166992,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.11164088547229768},{"word":"when","start":1236.2749,"end":1236.4349,"confidence":0.98095703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.11816614866256714},{"word":"you","start":1236.4349,"end":1236.6749,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15310856699943542},{"word":"apply","start":1236.6749,"end":1237.1549,"confidence":0.9980469,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.10499689728021622},{"word":"for","start":1237.1549,"end":1237.3949,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08368320763111115},{"word":"your","start":1237.3949,"end":1237.5549,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07152388244867325},{"word":"cover","start":1237.5549,"end":1237.955,"confidence":0.9980469,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.06420275568962097},{"word":"with","start":1237.955,"end":1238.2749,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12331274151802064},{"word":"hub","start":1238.2749,"end":1238.595,"confidence":0.38012695,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.10457782447338104},{"word":"twenty","start":1238.595,"end":1238.995,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.14694389700889587},{"word":"four","start":1238.995,"end":1239.495,"confidence":0.9926758,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.1383645236492157},{"word":"there's","start":1239.955,"end":1240.2749,"confidence":0.9758301,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.14117443561553955},{"word":"a","start":1240.2749,"end":1240.4349,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13317134976387024},{"word":"group","start":1240.4349,"end":1240.9149,"confidence":0.99902344,"punctuated_word":"group","sentiment":"neutral","sentiment_score":0.10829799622297288},{"word":"insurance","start":1240.9149,"end":1241.4149,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.08577743172645569},{"word":"option","start":1241.635,"end":1242.135,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.09916028380393982},{"word":"that","start":1242.755,"end":1243.075,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09560474753379822},{"word":"allows","start":1243.075,"end":1243.475,"confidence":1.0,"punctuated_word":"allows","sentiment":"neutral","sentiment_score":0.10602261871099472},{"word":"you","start":1243.475,"end":1243.715,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09885051846504211},{"word":"to","start":1243.715,"end":1244.115,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08671756833791733},{"word":"have","start":1244.115,"end":1244.4349,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07439787685871124},{"word":"$200,000","start":1244.4349,"end":1245.975,"confidence":0.999349,"punctuated_word":"$200,000","sentiment":"neutral","sentiment_score":0.08710727840662003},{"word":"life","start":1246.0349,"end":1246.355,"confidence":0.9970703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.13122910261154175},{"word":"insurance","start":1246.355,"end":1246.855,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.0909559205174446},{"word":"and","start":1247.075,"end":1247.315,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04395794868469238},{"word":"$200,000","start":1247.315,"end":1248.72,"confidence":0.9998373,"punctuated_word":"$200,000","sentiment":"neutral","sentiment_score":0.06612256914377213},{"word":"tpd","start":1248.88,"end":1249.12,"confidence":0.9812012,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.039294980466365814},{"word":"insurance","start":1249.12,"end":1249.62,"confidence":0.9633789,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.037764132022857666},{"word":"which","start":1250.24,"end":1250.36,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.024909213185310364},{"word":"is","start":1250.36,"end":1250.48,"confidence":0.47192383,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0012663528323173523},{"word":"the","start":1250.48,"end":1250.64,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.029892321676015857},{"word":"tpd","start":1250.64,"end":1251.12,"confidence":0.99902344,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.008865326642990112},{"word":"you","start":1251.12,"end":1251.28,"confidence":0.9428711,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.022834092378616333},{"word":"don't","start":1251.28,"end":1251.52,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03746654838323593},{"word":"currently","start":1251.52,"end":1251.9199,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.12126830220222472},{"word":"hold","start":1251.9199,"end":1252.4199,"confidence":0.8161621,"punctuated_word":"hold.","sentiment":"neutral","sentiment_score":-0.0066869184374809265},{"word":"and","start":1254.5599,"end":1254.7999,"confidence":0.80078125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.007176324725151062},{"word":"that","start":1254.7999,"end":1255.12,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01888209581375122},{"word":"premium's","start":1255.12,"end":1255.62,"confidence":0.8352051,"punctuated_word":"premium's","sentiment":"neutral","sentiment_score":-0.013538382947444916},{"word":"$8.03","start":1255.6799,"end":1257.0399,"confidence":0.99960935,"punctuated_word":"$8.03","sentiment":"neutral","sentiment_score":-0.0028846836648881435},{"word":"a","start":1257.0399,"end":1257.2,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02215507999062538},{"word":"month","start":1257.2,"end":1257.6799,"confidence":1.0,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.003168392926454544},{"word":"now","start":1257.6799,"end":1258.08,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.08569397032260895},{"word":"with","start":1258.08,"end":1258.4,"confidence":0.7314453,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.12323792278766632},{"word":"group","start":1258.4,"end":1258.7999,"confidence":0.99902344,"punctuated_word":"group","sentiment":"neutral","sentiment_score":-0.1807129979133606},{"word":"insurance","start":1258.7999,"end":1259.2999,"confidence":0.99560547,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.13547512888908386},{"word":"there's","start":1260.975,"end":1261.295,"confidence":0.99609375,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.20925699174404144},{"word":"always","start":1261.295,"end":1261.775,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.17646369338035583},{"word":"the","start":1261.775,"end":1262.015,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1658964306116104},{"word":"exclusion","start":1262.015,"end":1262.515,"confidence":0.99902344,"punctuated_word":"exclusion","sentiment":"neutral","sentiment_score":-0.2848152816295624},{"word":"for","start":1262.575,"end":1262.815,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.30604496598243713},{"word":"preexisting","start":1262.815,"end":1263.315,"confidence":0.9589844,"punctuated_word":"preexisting","sentiment":"neutral","sentiment_score":-0.30128419399261475},{"word":"conditions","start":1263.615,"end":1264.115,"confidence":0.7807617,"punctuated_word":"conditions.","sentiment":"neutral","sentiment_score":-0.28499945998191833},{"word":"so","start":1264.495,"end":1264.975,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0917501449584961},{"word":"an","start":1264.975,"end":1265.135,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.05788389593362808},{"word":"example","start":1265.135,"end":1265.635,"confidence":1.0,"punctuated_word":"example","sentiment":"neutral","sentiment_score":-0.07630136609077454},{"word":"of","start":1265.695,"end":1265.855,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07099894434213638},{"word":"that","start":1265.855,"end":1266.095,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08232947438955307},{"word":"might","start":1266.095,"end":1266.415,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.05303630977869034},{"word":"be","start":1266.415,"end":1266.915,"confidence":1.0,"punctuated_word":"be...","sentiment":"neutral","sentiment_score":-0.06079992651939392},{"word":"what's","start":1269.615,"end":1269.9349,"confidence":0.97265625,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.15054188668727875},{"word":"something","start":1269.9349,"end":1270.4349,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.13874050974845886},{"word":"i","start":1270.495,"end":1270.575,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11909058690071106},{"word":"can","start":1270.575,"end":1270.735,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.09486327320337296},{"word":"think","start":1270.735,"end":1271.0549,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.11713310331106186},{"word":"of","start":1271.0549,"end":1271.5549,"confidence":0.95581055,"punctuated_word":"of?","sentiment":"neutral","sentiment_score":-0.08635449409484863},{"word":"if","start":1275.615,"end":1275.855,"confidence":0.96972656,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.1320945769548416},{"word":"you","start":1275.855,"end":1276.095,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1984615921974182},{"word":"had","start":1276.095,"end":1276.595,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.18723049759864807},{"word":"type","start":1276.89,"end":1277.13,"confidence":0.9902344,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.27144524455070496},{"word":"one","start":1277.13,"end":1277.37,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.2711280584335327},{"word":"diabetes","start":1277.37,"end":1277.87,"confidence":0.9741211,"punctuated_word":"diabetes,","sentiment":"neutral","sentiment_score":-0.2129085659980774},{"word":"for","start":1278.09,"end":1278.3301,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.22488433122634888},{"word":"example","start":1278.3301,"end":1278.8301,"confidence":0.9746094,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.18211278319358823},{"word":"that","start":1280.5701,"end":1280.81,"confidence":0.9370117,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2494282573461533},{"word":"would","start":1280.81,"end":1280.97,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2326953262090683},{"word":"be","start":1280.97,"end":1281.29,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2565171718597412},{"word":"excluded","start":1281.29,"end":1281.79,"confidence":1.0,"punctuated_word":"excluded","sentiment":"neutral","sentiment_score":-0.3126201629638672},{"word":"from","start":1281.85,"end":1282.09,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.2688831388950348},{"word":"being","start":1282.09,"end":1282.41,"confidence":0.99902344,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.3125140070915222},{"word":"claimable","start":1282.41,"end":1282.91,"confidence":0.99853516,"punctuated_word":"claimable","sentiment":"neutral","sentiment_score":-0.24034607410430908},{"word":"on","start":1282.97,"end":1283.13,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2595806419849396},{"word":"the","start":1283.13,"end":1283.29,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17119884490966797},{"word":"life","start":1283.29,"end":1283.4501,"confidence":0.9160156,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.21549543738365173},{"word":"and","start":1283.4501,"end":1283.6901,"confidence":0.9526367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10334494709968568},{"word":"tpd","start":1283.6901,"end":1284.1901,"confidence":0.83813477,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.07966691255569458},{"word":"insurance","start":1284.3301,"end":1284.8301,"confidence":0.96972656,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.1212356612086296},{"word":"under","start":1285.29,"end":1285.61,"confidence":0.984375,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.05665485560894013},{"word":"a","start":1285.61,"end":1285.77,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06930603086948395},{"word":"group","start":1285.77,"end":1286.27,"confidence":0.93896484,"punctuated_word":"group,","sentiment":"neutral","sentiment_score":-0.07316823303699493},{"word":"which","start":1287.05,"end":1287.29,"confidence":0.98095703,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.04473481327295303},{"word":"is","start":1287.29,"end":1287.4501,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.046923503279685974},{"word":"the","start":1287.4501,"end":1287.61,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.042509935796260834},{"word":"same","start":1287.61,"end":1287.77,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.025570295751094815},{"word":"as","start":1287.77,"end":1287.93,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05104530602693558},{"word":"your","start":1287.93,"end":1288.17,"confidence":0.97998047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03834618628025055},{"word":"cover","start":1288.17,"end":1288.49,"confidence":0.9980469,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.054191626608371735},{"word":"within","start":1288.49,"end":1288.81,"confidence":0.97802734,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.01706494390964508},{"word":"hesta","start":1288.81,"end":1289.2101,"confidence":0.8828125,"punctuated_word":"HESTA","sentiment":"neutral","sentiment_score":-0.032139673829078674},{"word":"at","start":1289.2101,"end":1289.37,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10004444420337676},{"word":"the","start":1289.37,"end":1289.4501,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05966409295797348},{"word":"moment","start":1289.4501,"end":1289.9501,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.057820990681648254},{"word":"anyhow","start":1290.01,"end":1290.51,"confidence":0.91292316,"punctuated_word":"anyhow.","sentiment":"neutral","sentiment_score":-0.048679858446121216},{"word":"so","start":1291.9349,"end":1292.1749,"confidence":0.9658203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04020065814256668},{"word":"what","start":1292.1749,"end":1292.335,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13553723692893982},{"word":"we've","start":1292.335,"end":1292.655,"confidence":0.97680664,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.19610613584518433},{"word":"recommended","start":1292.655,"end":1293.155,"confidence":0.99902344,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.199548602104187},{"word":"is","start":1293.375,"end":1293.875,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22264984250068665},{"word":"that","start":1294.975,"end":1295.215,"confidence":0.83203125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2039698362350464},{"word":"goes","start":1295.215,"end":1295.535,"confidence":0.9970703,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.15954232215881348},{"word":"through","start":1295.535,"end":1295.855,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08308140933513641},{"word":"no","start":1295.855,"end":1296.095,"confidence":0.9951172,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.02176114171743393},{"word":"underwriting","start":1296.095,"end":1296.595,"confidence":0.82698566,"punctuated_word":"underwriting.","sentiment":"neutral","sentiment_score":-0.08046813309192657},{"word":"so","start":1296.815,"end":1296.975,"confidence":0.9838867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07464225590229034},{"word":"you're","start":1296.975,"end":1297.135,"confidence":0.7871094,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07758904993534088},{"word":"automatically","start":1297.135,"end":1297.635,"confidence":0.99902344,"punctuated_word":"automatically...","sentiment":"neutral","sentiment_score":0.030050281435251236},{"word":"when","start":1298.895,"end":1299.135,"confidence":0.89746094,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.02996379137039185},{"word":"the","start":1299.135,"end":1299.295,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.044859252870082855},{"word":"forms","start":1299.295,"end":1299.795,"confidence":0.99121094,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.024851549416780472},{"word":"are","start":1300.015,"end":1300.1749,"confidence":0.9863281,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0571460947394371},{"word":"ready","start":1300.1749,"end":1300.495,"confidence":0.7753906,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.0633203312754631},{"word":"and","start":1300.495,"end":1300.735,"confidence":0.53759766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04169238358736038},{"word":"if","start":1300.735,"end":1300.895,"confidence":0.9892578,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.046258945018053055},{"word":"you","start":1300.895,"end":1301.135,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030928388237953183},{"word":"decide","start":1301.135,"end":1301.635,"confidence":0.9370117,"punctuated_word":"decide,","sentiment":"neutral","sentiment_score":0.02724796906113625},{"word":"you","start":1301.695,"end":1302.095,"confidence":0.99902344,"punctuated_word":"you...","sentiment":"neutral","sentiment_score":0.012075425125658512},{"word":"we","start":1302.095,"end":1302.335,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.08056847751140594},{"word":"will","start":1302.335,"end":1302.835,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.10010748356580734},{"word":"automatically","start":1303.0549,"end":1303.5549,"confidence":0.99902344,"punctuated_word":"automatically","sentiment":"neutral","sentiment_score":0.10998359322547913},{"word":"request","start":1303.855,"end":1304.255,"confidence":1.0,"punctuated_word":"request","sentiment":"neutral","sentiment_score":0.11525462567806244},{"word":"that","start":1304.255,"end":1304.415,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06514646112918854},{"word":"cover","start":1304.415,"end":1304.735,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.03566906601190567},{"word":"be","start":1304.735,"end":1304.975,"confidence":0.94140625,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1177470237016678},{"word":"put","start":1304.975,"end":1305.215,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1508370190858841},{"word":"in","start":1305.215,"end":1305.375,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16478845477104187},{"word":"place","start":1305.375,"end":1305.875,"confidence":0.87939453,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.1260184347629547},{"word":"and","start":1306.2799,"end":1306.44,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06259579211473465},{"word":"that","start":1306.44,"end":1306.6799,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06287273019552231},{"word":"will","start":1306.6799,"end":1306.9199,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.05064375698566437},{"word":"cost","start":1306.9199,"end":1307.24,"confidence":0.9951172,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.07169637829065323},{"word":"$8.03","start":1307.24,"end":1309.1599,"confidence":0.9998047,"punctuated_word":"$8.03","sentiment":"neutral","sentiment_score":0.06507116556167603},{"word":"per","start":1309.1599,"end":1309.3999,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.019083738327026367},{"word":"month","start":1309.3999,"end":1309.8999,"confidence":1.0,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.06662026792764664},{"word":"the","start":1311.5599,"end":1311.7999,"confidence":0.9941406,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04749934375286102},{"word":"next","start":1311.7999,"end":1312.2999,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04943874478340149},{"word":"the","start":1312.76,"end":1313.0,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04670234024524689},{"word":"next","start":1313.0,"end":1313.3999,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.03355804830789566},{"word":"part","start":1313.3999,"end":1313.7999,"confidence":1.0,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.09611596167087556},{"word":"is","start":1313.7999,"end":1314.2,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06102465093135834},{"word":"is","start":1314.2,"end":1314.44,"confidence":0.9160156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06587372720241547},{"word":"that","start":1314.44,"end":1314.6,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07439040392637253},{"word":"we're","start":1314.6,"end":1314.84,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07344215363264084},{"word":"going","start":1314.84,"end":1315.08,"confidence":0.9980469,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.09779159724712372},{"word":"to","start":1315.08,"end":1315.32,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0817672610282898},{"word":"apply","start":1315.32,"end":1315.82,"confidence":1.0,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.07707967609167099},{"word":"to","start":1315.88,"end":1316.2,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06400565057992935},{"word":"transfer","start":1316.2,"end":1316.7,"confidence":1.0,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.04950246959924698},{"word":"your","start":1317.1599,"end":1317.48,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.034952469170093536},{"word":"existing","start":1317.48,"end":1317.98,"confidence":1.0,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":0.008345343172550201},{"word":"life","start":1318.0399,"end":1318.36,"confidence":0.9970703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.0016096234321594238},{"word":"cover","start":1318.36,"end":1318.6799,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.02232971042394638},{"word":"of","start":1318.6799,"end":1318.84,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03728313371539116},{"word":"a","start":1318.84,"end":1319.0,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.019238697364926335},{"word":"134,990","start":1319.0,"end":1321.98,"confidence":0.9980469,"punctuated_word":"134,990","sentiment":"neutral","sentiment_score":0.031030766665935516},{"word":"over","start":1322.385,"end":1322.625,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.034272730350494385},{"word":"to","start":1322.625,"end":1322.785,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04578853398561478},{"word":"hub","start":1322.785,"end":1323.285,"confidence":0.5751953,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.06130334734916687},{"word":"from","start":1323.665,"end":1323.8251,"confidence":0.9760742,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0588517040014267},{"word":"hesta","start":1323.8251,"end":1324.3251,"confidence":0.81726074,"punctuated_word":"HESTA.","sentiment":"neutral","sentiment_score":0.023380225524306297},{"word":"and","start":1325.505,"end":1325.905,"confidence":0.82128906,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.038559071719646454},{"word":"also","start":1325.905,"end":1326.405,"confidence":0.9995117,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":0.026240583509206772},{"word":"your","start":1327.025,"end":1327.425,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.034383609890937805},{"word":"income","start":1327.425,"end":1327.8251,"confidence":0.9970703,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0228068009018898},{"word":"protection","start":1327.8251,"end":1328.3251,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.014005839824676514},{"word":"policy","start":1328.545,"end":1329.025,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.03304150700569153},{"word":"within","start":1329.025,"end":1329.525,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.07351513206958771},{"word":"hesta","start":1329.745,"end":1330.245,"confidence":0.9996745,"punctuated_word":"HESTA","sentiment":"neutral","sentiment_score":0.043139200657606125},{"word":"that","start":1330.385,"end":1330.625,"confidence":0.9448242,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0703229010105133},{"word":"has","start":1330.625,"end":1330.865,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.05265551805496216},{"word":"been","start":1330.865,"end":1331.185,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.08125505596399307},{"word":"automatically","start":1331.185,"end":1331.685,"confidence":1.0,"punctuated_word":"automatically","sentiment":"neutral","sentiment_score":0.0901251807808876},{"word":"applied","start":1331.985,"end":1332.485,"confidence":0.93530273,"punctuated_word":"applied,","sentiment":"neutral","sentiment_score":0.07457520067691803},{"word":"it's","start":1332.9451,"end":1333.265,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0617014579474926},{"word":"only","start":1333.265,"end":1333.585,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.037412144243717194},{"word":"for","start":1333.585,"end":1333.8251,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04234907031059265},{"word":"$1,000","start":1333.8251,"end":1334.865,"confidence":1.0,"punctuated_word":"$1,000","sentiment":"neutral","sentiment_score":0.10452445596456528},{"word":"a","start":1334.865,"end":1335.025,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07405542582273483},{"word":"month","start":1335.025,"end":1335.525,"confidence":0.99902344,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.06104866415262222},{"word":"it","start":1336.14,"end":1336.38,"confidence":0.98535156,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.10310541838407516},{"word":"does","start":1336.38,"end":1336.62,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.05574003607034683},{"word":"have","start":1336.62,"end":1336.78,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09123161435127258},{"word":"a","start":1336.78,"end":1336.9401,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06480710208415985},{"word":"ninety","start":1336.9401,"end":1337.3401,"confidence":0.99902344,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.04083852469921112},{"word":"day","start":1337.3401,"end":1337.66,"confidence":0.99902344,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.02888409048318863},{"word":"waiting","start":1337.66,"end":1338.06,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.03018819540739059},{"word":"period","start":1338.06,"end":1338.56,"confidence":0.99902344,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.005341827869415283},{"word":"and","start":1338.62,"end":1338.78,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.007169783115386963},{"word":"a","start":1338.78,"end":1338.9401,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010397981852293016},{"word":"five","start":1338.9401,"end":1339.18,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.006418079137802124},{"word":"year","start":1339.18,"end":1339.5,"confidence":0.9970703,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.05357170104980469},{"word":"benefit","start":1339.5,"end":1340.0,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.017600975930690765},{"word":"period","start":1340.06,"end":1340.56,"confidence":0.9458008,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.03407307714223862},{"word":"but","start":1341.26,"end":1341.5,"confidence":0.99609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04385824501514435},{"word":"we","start":1341.5,"end":1341.74,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04246379435062408},{"word":"believe","start":1341.74,"end":1342.2201,"confidence":0.99902344,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":0.0469183474779129},{"word":"some","start":1342.2201,"end":1342.4601,"confidence":0.99316406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0949222296476364},{"word":"cover's","start":1342.4601,"end":1342.78,"confidence":0.6081543,"punctuated_word":"cover's","sentiment":"neutral","sentiment_score":0.06693930923938751},{"word":"better","start":1342.78,"end":1343.1,"confidence":0.99902344,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.057861894369125366},{"word":"than","start":1343.1,"end":1343.3401,"confidence":0.9980469,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.02141207456588745},{"word":"none","start":1343.3401,"end":1343.8401,"confidence":0.9206543,"punctuated_word":"none.","sentiment":"neutral","sentiment_score":-0.049341294914484024},{"word":"and","start":1344.7001,"end":1344.9401,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0009625405073165894},{"word":"that","start":1344.9401,"end":1345.4401,"confidence":0.98291016,"punctuated_word":"that...","sentiment":"neutral","sentiment_score":-0.0019520875066518784},{"word":"and","start":1345.5801,"end":1345.98,"confidence":0.7167969,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0002712234854698181},{"word":"when","start":1345.98,"end":1346.2201,"confidence":0.9951172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.004594661295413971},{"word":"we","start":1346.2201,"end":1346.38,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.005221240222454071},{"word":"transfer","start":1346.38,"end":1346.88,"confidence":0.9951172,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.04200771450996399},{"word":"that","start":1346.9401,"end":1347.18,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02399083971977234},{"word":"over","start":1347.18,"end":1347.42,"confidence":0.99316406,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.014459103345870972},{"word":"to","start":1347.42,"end":1347.66,"confidence":0.9536133,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012841872870922089},{"word":"hub","start":1347.66,"end":1347.98,"confidence":0.44091797,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.03046363964676857},{"word":"twenty","start":1347.98,"end":1348.3,"confidence":0.9941406,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.009979188442230225},{"word":"four","start":1348.3,"end":1348.78,"confidence":0.9902344,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.0005135983228683472},{"word":"that's","start":1348.78,"end":1349.265,"confidence":0.95288086,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.024896804243326187},{"word":"expected","start":1349.345,"end":1349.665,"confidence":0.9941406,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":-0.024627290666103363},{"word":"to","start":1349.665,"end":1349.745,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03499336540699005},{"word":"cost","start":1349.745,"end":1350.145,"confidence":0.9980469,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.020510628819465637},{"word":"you","start":1350.145,"end":1350.225,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.027703501284122467},{"word":"about","start":1350.225,"end":1350.545,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.04413249343633652},{"word":"$6.99","start":1350.545,"end":1351.905,"confidence":0.9980469,"punctuated_word":"$6.99","sentiment":"neutral","sentiment_score":-0.02161998301744461},{"word":"per","start":1351.905,"end":1352.0651,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.06349828094244003},{"word":"month","start":1352.0651,"end":1352.5651,"confidence":0.99902344,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.03268714249134064},{"word":"so","start":1353.105,"end":1353.265,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0009776651859283447},{"word":"what","start":1353.265,"end":1353.505,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.026773065328598022},{"word":"it","start":1353.505,"end":1353.745,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01605071872472763},{"word":"means","start":1353.745,"end":1354.245,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.02754189819097519},{"word":"overall","start":1354.305,"end":1354.805,"confidence":0.7817383,"punctuated_word":"overall","sentiment":"neutral","sentiment_score":0.016137897968292236},{"word":"is","start":1355.025,"end":1355.265,"confidence":0.9560547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.041714005172252655},{"word":"you're","start":1355.265,"end":1355.425,"confidence":0.99121094,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.025253433734178543},{"word":"gonna","start":1355.425,"end":1355.665,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.009522803127765656},{"word":"have","start":1355.665,"end":1355.905,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.018191613256931305},{"word":"about","start":1355.905,"end":1356.405,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0152650848031044},{"word":"300,000","start":1356.465,"end":1357.605,"confidence":0.9983724,"punctuated_word":"300,000...","sentiment":"neutral","sentiment_score":0.01657012291252613},{"word":"$303,334,990","start":1357.745,"end":1362.705,"confidence":0.9236816,"punctuated_word":"$303,334,990","sentiment":"neutral","sentiment_score":0.01849154196679592},{"word":"dollars","start":1362.705,"end":1363.025,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.0258902870118618},{"word":"in","start":1363.025,"end":1363.185,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.027858857065439224},{"word":"life","start":1363.185,"end":1363.505,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.007360219955444336},{"word":"insurance","start":1363.505,"end":1364.005,"confidence":0.9807129,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.016213765367865562},{"word":"$200,000","start":1365.0701,"end":1366.67,"confidence":0.99967444,"punctuated_word":"$200,000","sentiment":"neutral","sentiment_score":0.01825932040810585},{"word":"in","start":1366.67,"end":1366.99,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.018582839518785477},{"word":"tpd","start":1366.99,"end":1367.49,"confidence":0.9433594,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.0015325192362070084},{"word":"insurance","start":1367.63,"end":1368.13,"confidence":0.9316406,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.0019090790301561356},{"word":"and","start":1368.75,"end":1369.0701,"confidence":0.9448242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0005639810115098953},{"word":"income","start":1369.0701,"end":1369.4701,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.001849684864282608},{"word":"protection","start":1369.4701,"end":1369.9701,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.004265766590833664},{"word":"with","start":1370.27,"end":1370.67,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0013937372714281082},{"word":"100","start":1370.67,"end":1371.41,"confidence":1.0,"punctuated_word":"100...","sentiment":"neutral","sentiment_score":-0.0034659653902053833},{"word":"with","start":1371.4701,"end":1371.63,"confidence":1.0,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.03233172744512558},{"word":"$1,000","start":1371.63,"end":1372.67,"confidence":0.99975586,"punctuated_word":"$1,000","sentiment":"neutral","sentiment_score":0.005646951496601105},{"word":"per","start":1372.67,"end":1372.91,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.023019738495349884},{"word":"month","start":1372.91,"end":1373.2301,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":-0.015543095767498016},{"word":"and","start":1373.2301,"end":1373.4701,"confidence":0.59716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02135135233402252},{"word":"ninety","start":1373.4701,"end":1373.87,"confidence":0.9970703,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":-0.02893295511603355},{"word":"day","start":1373.87,"end":1374.03,"confidence":0.9980469,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.003410540521144867},{"word":"wait","start":1374.03,"end":1374.27,"confidence":0.95410156,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.014849290251731873},{"word":"and","start":1374.27,"end":1374.51,"confidence":0.890625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.018714770674705505},{"word":"a","start":1374.51,"end":1374.5901,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004172604531049728},{"word":"five","start":1374.5901,"end":1374.91,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.007840357720851898},{"word":"year","start":1374.91,"end":1375.0701,"confidence":0.9980469,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.015910133719444275},{"word":"benefit","start":1375.0701,"end":1375.5701,"confidence":0.9951172,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.010720610618591309},{"word":"period","start":1375.63,"end":1376.13,"confidence":0.9970703,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.007828094065189362},{"word":"so","start":1376.75,"end":1376.99,"confidence":0.82714844,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.028441842645406723},{"word":"again","start":1376.99,"end":1377.4701,"confidence":0.9995117,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.022676389664411545},{"word":"they're","start":1377.4701,"end":1377.7101,"confidence":0.98291016,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.011736785992980003},{"word":"all","start":1377.7101,"end":1378.2101,"confidence":0.9819336,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0091564878821373},{"word":"they're","start":1378.27,"end":1378.5901,"confidence":0.99902344,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.016140814870595932},{"word":"all","start":1378.5901,"end":1378.75,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.03369906544685364},{"word":"group","start":1378.75,"end":1379.0701,"confidence":0.99609375,"punctuated_word":"group","sentiment":"neutral","sentiment_score":0.021600790321826935},{"word":"covers","start":1379.0701,"end":1379.5701,"confidence":0.7294922,"punctuated_word":"covers.","sentiment":"neutral","sentiment_score":0.012867338955402374},{"word":"so","start":1379.825,"end":1380.225,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.019839845597743988},{"word":"any","start":1380.225,"end":1380.385,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.0631469190120697},{"word":"preexisting","start":1380.385,"end":1380.885,"confidence":0.96240234,"punctuated_word":"preexisting","sentiment":"neutral","sentiment_score":-0.11803913116455078},{"word":"conditions","start":1381.265,"end":1381.765,"confidence":0.9970703,"punctuated_word":"conditions","sentiment":"neutral","sentiment_score":-0.15481305122375488},{"word":"that","start":1381.825,"end":1381.985,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11495901644229888},{"word":"you","start":1381.985,"end":1382.465,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16334861516952515},{"word":"may","start":1382.465,"end":1382.705,"confidence":0.99609375,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.18686774373054504},{"word":"have","start":1382.705,"end":1383.205,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.18295598030090332},{"word":"would","start":1383.905,"end":1384.065,"confidence":0.8105469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1892908811569214},{"word":"be","start":1384.065,"end":1384.385,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1527421623468399},{"word":"excluded","start":1384.385,"end":1384.885,"confidence":1.0,"punctuated_word":"excluded","sentiment":"neutral","sentiment_score":-0.17479553818702698},{"word":"from","start":1385.025,"end":1385.345,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.20202647149562836},{"word":"claim","start":1385.345,"end":1385.845,"confidence":0.9885254,"punctuated_word":"claim.","sentiment":"neutral","sentiment_score":-0.14946348965168},{"word":"so","start":1385.905,"end":1386.145,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01845245063304901},{"word":"do","start":1386.145,"end":1386.225,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03708822280168533},{"word":"you","start":1386.225,"end":1386.385,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.020285330712795258},{"word":"have","start":1386.385,"end":1386.545,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03287400305271149},{"word":"any","start":1386.545,"end":1386.705,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.05668654292821884},{"word":"preexisting","start":1386.705,"end":1387.205,"confidence":1.0,"punctuated_word":"preexisting","sentiment":"neutral","sentiment_score":-0.09070687741041183},{"word":"conditions","start":1387.505,"end":1387.905,"confidence":0.99902344,"punctuated_word":"conditions","sentiment":"neutral","sentiment_score":-0.10801267623901369},{"word":"that","start":1387.905,"end":1388.065,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007544159889221191},{"word":"you","start":1388.065,"end":1388.225,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04927784949541092},{"word":"could","start":1388.225,"end":1388.385,"confidence":0.9951172,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.04042866826057434},{"word":"think","start":1388.385,"end":1388.625,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.07548190653324127},{"word":"of","start":1388.625,"end":1389.125,"confidence":0.9975586,"punctuated_word":"of?","sentiment":"neutral","sentiment_score":-0.08748097717761993},{"word":"nope","start":1391.745,"end":1392.245,"confidence":0.9301758,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.3165857493877411},{"word":"yeah","start":1394.945,"end":1395.39,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10071855038404463},{"word":"yeah","start":1397.31,"end":1397.81,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3581458032131195},{"word":"absolutely","start":1397.87,"end":1398.37,"confidence":0.99902344,"punctuated_word":"Absolutely","sentiment":"positive","sentiment_score":0.6270029544830322},{"word":"fine","start":1398.67,"end":1399.17,"confidence":0.98657227,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.5483288168907166},{"word":"so","start":1399.63,"end":1400.13,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.44960060715675354},{"word":"that's","start":1400.1901,"end":1400.51,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.47108012437820435},{"word":"what","start":1400.51,"end":1400.67,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4581727981567383},{"word":"we","start":1400.67,"end":1400.91,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.32572388648986816},{"word":"thought","start":1400.91,"end":1401.23,"confidence":0.99316406,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.33022743463516235},{"word":"would","start":1401.23,"end":1401.47,"confidence":0.9980469,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.4524756669998169},{"word":"be","start":1401.47,"end":1401.9501,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.41243359446525574},{"word":"the","start":1401.9501,"end":1402.35,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35344433784484863},{"word":"the","start":1402.35,"end":1402.85,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.36067748069763184},{"word":"most","start":1403.31,"end":1403.81,"confidence":0.9980469,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.34270745515823364},{"word":"cost","start":1405.15,"end":1405.47,"confidence":0.80810547,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.3572857975959778},{"word":"effective","start":1405.47,"end":1405.97,"confidence":1.0,"punctuated_word":"effective","sentiment":"neutral","sentiment_score":0.2791985273361206},{"word":"approach","start":1406.27,"end":1406.77,"confidence":0.99902344,"punctuated_word":"approach.","sentiment":"neutral","sentiment_score":0.3112642467021942},{"word":"now","start":1407.47,"end":1407.87,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.05884098261594772},{"word":"we","start":1407.87,"end":1408.03,"confidence":0.8745117,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04849879443645477},{"word":"did","start":1408.03,"end":1408.35,"confidence":0.63378906,"punctuated_word":"did...","sentiment":"neutral","sentiment_score":0.037506572902202606},{"word":"in","start":1408.35,"end":1408.51,"confidence":0.94970703,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.05933341383934021},{"word":"our","start":1408.51,"end":1408.91,"confidence":0.99316406,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.0499308817088604},{"word":"in","start":1408.91,"end":1409.15,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04166609048843384},{"word":"our","start":1409.15,"end":1409.39,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.053249821066856384},{"word":"time","start":1409.39,"end":1409.71,"confidence":0.9753418,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.04062272980809212},{"word":"we","start":1409.71,"end":1409.9501,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0485026016831398},{"word":"did","start":1409.9501,"end":1410.27,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.030228719115257263},{"word":"talk","start":1410.27,"end":1410.59,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.004263918846845627},{"word":"about","start":1410.59,"end":1411.09,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0159568190574646},{"word":"the","start":1411.235,"end":1411.395,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02312721498310566},{"word":"levels","start":1411.395,"end":1411.635,"confidence":0.99902344,"punctuated_word":"levels","sentiment":"neutral","sentiment_score":-0.0173635333776474},{"word":"of","start":1411.635,"end":1411.875,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03835638239979744},{"word":"cover","start":1411.875,"end":1412.275,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.0493004247546196},{"word":"that","start":1412.275,"end":1412.435,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.014459513127803802},{"word":"you","start":1412.435,"end":1412.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0296507328748703},{"word":"needed","start":1412.675,"end":1413.155,"confidence":1.0,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":-0.04129921272397041},{"word":"or","start":1413.155,"end":1413.395,"confidence":0.88134766,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.010389462113380432},{"word":"that","start":1413.395,"end":1413.555,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0057216063141822815},{"word":"you","start":1413.555,"end":1413.7151,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.024018585681915283},{"word":"wanted","start":1413.7151,"end":1414.115,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.010860171169042587},{"word":"for","start":1414.115,"end":1414.355,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02831076458096504},{"word":"your","start":1414.355,"end":1414.595,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01818865537643433},{"word":"daughter","start":1414.595,"end":1415.095,"confidence":0.8300781,"punctuated_word":"daughter,","sentiment":"neutral","sentiment_score":-0.014212440699338911},{"word":"and","start":1416.755,"end":1417.255,"confidence":0.7392578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01336187869310379},{"word":"that","start":1417.3151,"end":1417.635,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.020908648148179058},{"word":"came","start":1417.635,"end":1417.875,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.02578178234398365},{"word":"out","start":1417.875,"end":1418.275,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.029063580557703972},{"word":"at","start":1418.275,"end":1418.515,"confidence":0.67529297,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.050470639020204544},{"word":"sitting","start":1418.515,"end":1418.755,"confidence":0.8540039,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.015408091247081757},{"word":"about","start":1418.755,"end":1419.255,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.024522095918655396},{"word":"a","start":1419.555,"end":1419.795,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.030588582158088684},{"word":"need","start":1419.795,"end":1420.295,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0452786460518837},{"word":"for","start":1420.435,"end":1420.675,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.051574915647506714},{"word":"life","start":1420.675,"end":1420.995,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.06623499095439911},{"word":"insurance","start":1420.995,"end":1421.475,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.05824640393257141},{"word":"of","start":1421.475,"end":1421.7151,"confidence":0.9560547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0722951665520668},{"word":"about","start":1421.7151,"end":1421.9551,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06587840616703033},{"word":"$940,000","start":1421.9551,"end":1423.975,"confidence":0.9994141,"punctuated_word":"$940,000","sentiment":"neutral","sentiment_score":-0.044966425746679306},{"word":"as","start":1424.4,"end":1424.64,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05332411825656891},{"word":"well","start":1424.64,"end":1424.88,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.07595476508140564},{"word":"as","start":1424.88,"end":1425.12,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06748190522193909},{"word":"the","start":1425.12,"end":1425.28,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07517174631357193},{"word":"same","start":1425.28,"end":1425.6,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.05705682188272476},{"word":"amount","start":1425.6,"end":1426.0,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.08189919590950012},{"word":"for","start":1426.0,"end":1426.3201,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06532295048236847},{"word":"tpd","start":1426.3201,"end":1426.8201,"confidence":0.98876953,"punctuated_word":"TPD.","sentiment":"neutral","sentiment_score":-0.06225700303912163},{"word":"now","start":1427.4401,"end":1427.76,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.16766130924224854},{"word":"we","start":1427.76,"end":1427.92,"confidence":0.9873047,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.19778361916542053},{"word":"can't","start":1427.92,"end":1428.42,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1533457189798355},{"word":"get","start":1428.48,"end":1428.98,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.17754293978214264},{"word":"you","start":1429.04,"end":1429.54,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.21898743510246277},{"word":"that","start":1429.68,"end":1430.0,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15805907547473907},{"word":"level","start":1430.0,"end":1430.3201,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.1161222755908966},{"word":"of","start":1430.3201,"end":1430.48,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.148488387465477},{"word":"tpd","start":1430.48,"end":1430.98,"confidence":0.9995117,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.15657882392406464},{"word":"cover","start":1431.04,"end":1431.36,"confidence":0.99316406,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.15054473280906677},{"word":"at","start":1431.36,"end":1431.52,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.19761981070041656},{"word":"the","start":1431.52,"end":1431.68,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04641808196902275},{"word":"moment","start":1431.68,"end":1432.18,"confidence":0.99658203,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.06014789268374443},{"word":"the","start":1432.9601,"end":1433.12,"confidence":0.7104492,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.05184708535671234},{"word":"max","start":1433.12,"end":1433.4401,"confidence":0.9951172,"punctuated_word":"max","sentiment":"neutral","sentiment_score":-0.06612617522478104},{"word":"we","start":1433.4401,"end":1433.6,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0338628925383091},{"word":"can","start":1433.6,"end":1433.76,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.025685537606477737},{"word":"do","start":1433.76,"end":1433.92,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02719184011220932},{"word":"is","start":1433.92,"end":1434.0801,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03947735577821731},{"word":"that","start":1434.0801,"end":1434.5801,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.019204627722501755},{"word":"that","start":1434.88,"end":1435.12,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01919481530785561},{"word":"group","start":1435.12,"end":1435.4401,"confidence":0.9970703,"punctuated_word":"group","sentiment":"neutral","sentiment_score":-0.06334846466779709},{"word":"cover","start":1435.4401,"end":1435.9401,"confidence":0.9719238,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":-0.044159404933452606},{"word":"we","start":1436.415,"end":1436.655,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.004530772566795349},{"word":"can","start":1436.655,"end":1436.9751,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.022025328129529953},{"word":"look","start":1436.9751,"end":1437.295,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0008009150624275208},{"word":"at","start":1437.295,"end":1437.775,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.022297240793704987},{"word":"applying","start":1437.775,"end":1438.275,"confidence":1.0,"punctuated_word":"applying","sentiment":"neutral","sentiment_score":-0.006286140531301498},{"word":"for","start":1438.5751,"end":1439.0751,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.009267885237932203},{"word":"that","start":1439.2151,"end":1439.615,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0022904276847839355},{"word":"$940,000","start":1439.615,"end":1441.635,"confidence":0.9974121,"punctuated_word":"$940,000","sentiment":"neutral","sentiment_score":-0.013092972338199615},{"word":"of","start":1441.6951,"end":1441.935,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.030198004096746445},{"word":"retail","start":1441.935,"end":1442.415,"confidence":1.0,"punctuated_word":"retail","sentiment":"neutral","sentiment_score":-0.07533778995275497},{"word":"cover","start":1442.415,"end":1442.915,"confidence":0.9970703,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.03877916932106018},{"word":"for","start":1443.775,"end":1444.275,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05893739312887192},{"word":"life","start":1444.3351,"end":1444.7351,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.08235107362270355},{"word":"insurance","start":1444.7351,"end":1445.2351,"confidence":0.9440918,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.06865672022104263},{"word":"but","start":1447.535,"end":1447.6951,"confidence":0.82373047,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07298433780670166},{"word":"it","start":1447.6951,"end":1447.935,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09113156050443648},{"word":"will","start":1447.935,"end":1448.175,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.12206509709358215},{"word":"have","start":1448.175,"end":1448.415,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.10346724838018416},{"word":"a","start":1448.415,"end":1448.5751,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11544005572795868},{"word":"loading","start":1448.5751,"end":1448.9751,"confidence":1.0,"punctuated_word":"loading","sentiment":"neutral","sentiment_score":-0.0870329737663269},{"word":"of","start":1448.9751,"end":1449.2151,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1173790916800499},{"word":"between","start":1449.2151,"end":1449.535,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.13740023970603943},{"word":"a","start":1449.535,"end":1449.6951,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12947463989257812},{"word":"150","start":1449.6951,"end":1450.5751,"confidence":0.99641925,"punctuated_word":"150","sentiment":"neutral","sentiment_score":-0.12197888642549516},{"word":"and","start":1450.5751,"end":1450.7351,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12629830837249756},{"word":"a","start":1450.7351,"end":1450.895,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1180937886238098},{"word":"175%","start":1450.895,"end":1452.81,"confidence":0.99677736,"punctuated_word":"175%.","sentiment":"neutral","sentiment_score":-0.10106202960014345},{"word":"the","start":1454.23,"end":1454.55,"confidence":0.76464844,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.20915834605693817},{"word":"retail","start":1454.55,"end":1454.9501,"confidence":0.99609375,"punctuated_word":"retail","sentiment":"neutral","sentiment_score":-0.2954045236110687},{"word":"insurers","start":1454.9501,"end":1455.4501,"confidence":0.95166016,"punctuated_word":"insurers","sentiment":"neutral","sentiment_score":-0.260413259267807},{"word":"have","start":1455.51,"end":1455.75,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.31255432963371277},{"word":"declined","start":1455.75,"end":1456.25,"confidence":0.99121094,"punctuated_word":"declined","sentiment":"neutral","sentiment_score":-0.2899043560028076},{"word":"tpd","start":1456.31,"end":1456.79,"confidence":0.88793945,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.3032078146934509},{"word":"trauma","start":1456.79,"end":1457.27,"confidence":0.9248047,"punctuated_word":"trauma","sentiment":"negative","sentiment_score":-0.34226205945014954},{"word":"and","start":1457.27,"end":1457.51,"confidence":0.9902344,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.39317992329597473},{"word":"income","start":1457.51,"end":1457.91,"confidence":0.99121094,"punctuated_word":"income","sentiment":"negative","sentiment_score":-0.4085228145122528},{"word":"protection","start":1457.91,"end":1458.39,"confidence":0.99902344,"punctuated_word":"protection","sentiment":"negative","sentiment_score":-0.3447578251361847},{"word":"in","start":1458.39,"end":1458.63,"confidence":0.9790039,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3719431459903717},{"word":"full","start":1458.63,"end":1458.87,"confidence":0.8935547,"punctuated_word":"full,","sentiment":"negative","sentiment_score":-0.3495083749294281},{"word":"so","start":1458.87,"end":1459.11,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.24351969361305237},{"word":"we're","start":1459.11,"end":1459.35,"confidence":0.984375,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.27242735028266907},{"word":"unable","start":1459.35,"end":1459.75,"confidence":1.0,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.2862791121006012},{"word":"to","start":1459.75,"end":1459.91,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24246031045913696},{"word":"get","start":1459.91,"end":1460.0701,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.2506289482116699},{"word":"you","start":1460.0701,"end":1460.31,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.25985610485076904},{"word":"those","start":1460.31,"end":1460.55,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.23712970316410065},{"word":"covers","start":1460.55,"end":1461.05,"confidence":0.9941406,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":-0.2165631502866745},{"word":"through","start":1461.35,"end":1461.85,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.3142322301864624},{"word":"retail","start":1462.23,"end":1462.73,"confidence":0.9980469,"punctuated_word":"retail","sentiment":"negative","sentiment_score":-0.3378825783729553},{"word":"insurers","start":1462.9501,"end":1463.4501,"confidence":0.9797363,"punctuated_word":"insurers.","sentiment":"neutral","sentiment_score":-0.2156856954097748},{"word":"so","start":1465.045,"end":1465.4451,"confidence":0.9604492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.008411705493927002},{"word":"what","start":1465.4451,"end":1465.605,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.008304275572299957},{"word":"i've","start":1465.605,"end":1465.925,"confidence":0.96240234,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04132925719022751},{"word":"included","start":1465.925,"end":1466.425,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.07590480148792267},{"word":"in","start":1466.5651,"end":1466.805,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08370137214660645},{"word":"this","start":1466.805,"end":1467.125,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08830162137746811},{"word":"document","start":1467.125,"end":1467.625,"confidence":0.8178711,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.09409992396831512},{"word":"once","start":1467.685,"end":1467.925,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.10676614940166472},{"word":"you","start":1467.925,"end":1468.165,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06726933270692825},{"word":"have","start":1468.165,"end":1468.3251,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0911017432808876},{"word":"a","start":1468.3251,"end":1468.405,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08301445096731186},{"word":"read","start":1468.405,"end":1468.7251,"confidence":0.92822266,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.05299929529428482},{"word":"over","start":1468.7251,"end":1468.9651,"confidence":0.97314453,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.0804540291428566},{"word":"it","start":1468.9651,"end":1469.4651,"confidence":0.9650879,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.07104337215423584},{"word":"is","start":1469.765,"end":1470.005,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08189298957586288},{"word":"that","start":1470.005,"end":1470.245,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07117549329996109},{"word":"we","start":1470.245,"end":1470.405,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08330927789211273},{"word":"can","start":1470.405,"end":1470.805,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0641951709985733},{"word":"apply","start":1470.805,"end":1471.305,"confidence":1.0,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.07296136766672134},{"word":"for","start":1471.8451,"end":1472.165,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06218992918729782},{"word":"the","start":1472.165,"end":1472.665,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04998333752155304},{"word":"the","start":1474.3251,"end":1474.485,"confidence":0.95410156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04749924689531326},{"word":"retail","start":1474.485,"end":1474.985,"confidence":0.9941406,"punctuated_word":"retail","sentiment":"neutral","sentiment_score":0.012553166598081589},{"word":"life","start":1475.2051,"end":1475.525,"confidence":0.9951172,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.03991003334522247},{"word":"insurance","start":1475.525,"end":1476.025,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.043307606130838394},{"word":"of","start":1476.3251,"end":1476.7251,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007652029395103455},{"word":"$940,000","start":1476.7251,"end":1478.8251,"confidence":0.99838865,"punctuated_word":"$940,000.","sentiment":"neutral","sentiment_score":0.02964184246957302},{"word":"it","start":1479.6201,"end":1479.9401,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.03669028729200363},{"word":"does","start":1479.9401,"end":1480.4401,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.042874857783317566},{"word":"take","start":1480.5801,"end":1480.9,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.025130754336714745},{"word":"up","start":1480.9,"end":1481.2201,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.011766226962208748},{"word":"approximate","start":1481.2201,"end":1481.7201,"confidence":0.9326172,"punctuated_word":"approximate...","sentiment":"neutral","sentiment_score":0.004716486670076847},{"word":"the","start":1481.9401,"end":1482.1001,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.054861705750226974},{"word":"cost","start":1482.1001,"end":1482.3401,"confidence":1.0,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.012047253549098969},{"word":"of","start":1482.3401,"end":1482.5801,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04957067593932152},{"word":"it","start":1482.5801,"end":1482.7401,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06962466239929199},{"word":"would","start":1482.7401,"end":1482.9,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.054778531193733215},{"word":"be","start":1482.9,"end":1483.14,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07924328744411469},{"word":"equivalent","start":1483.14,"end":1483.64,"confidence":0.99902344,"punctuated_word":"equivalent","sentiment":"neutral","sentiment_score":-0.09332644939422607},{"word":"to","start":1483.7001,"end":1484.2001,"confidence":0.7050781,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08632851392030716},{"word":"an","start":1484.66,"end":1484.9,"confidence":0.66552734,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.08456355333328247},{"word":"estimated","start":1484.9,"end":1485.4,"confidence":0.95166016,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":-0.07741644233465195},{"word":"10%","start":1485.54,"end":1486.1001,"confidence":1.0,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":-0.0294121652841568},{"word":"of","start":1486.1001,"end":1486.26,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.049134377390146255},{"word":"your","start":1486.26,"end":1486.5,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07610912621021271},{"word":"annual","start":1486.5,"end":1486.9801,"confidence":0.99316406,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":-0.04211773723363876},{"word":"super","start":1486.9801,"end":1487.3,"confidence":0.97802734,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.04647114872932434},{"word":"guarantee","start":1487.3,"end":1487.8,"confidence":0.97998047,"punctuated_word":"guarantee","sentiment":"neutral","sentiment_score":-0.023300185799598697},{"word":"contribution","start":1487.9401,"end":1488.4401,"confidence":0.9123535,"punctuated_word":"contribution,","sentiment":"neutral","sentiment_score":-0.03362317010760307},{"word":"but","start":1490.5,"end":1490.7401,"confidence":0.87841797,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.005554310977458954},{"word":"it","start":1490.7401,"end":1490.9,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.031102433800697327},{"word":"will","start":1490.9,"end":1491.2201,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.03673453629016876},{"word":"provide","start":1491.2201,"end":1491.6201,"confidence":0.99902344,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.02066081017255783},{"word":"you","start":1491.6201,"end":1491.8601,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01764684170484543},{"word":"with","start":1491.8601,"end":1492.1001,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.026588357985019684},{"word":"that","start":1492.1001,"end":1492.3401,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.002543032169342041},{"word":"higher","start":1492.3401,"end":1492.66,"confidence":0.9873047,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.0106947124004364},{"word":"level","start":1492.66,"end":1492.9801,"confidence":0.99902344,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.00020860880613327024},{"word":"of","start":1492.9801,"end":1493.06,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.002185247838497162},{"word":"cover","start":1493.06,"end":1493.56,"confidence":0.98999023,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":-0.03689221292734146},{"word":"so","start":1493.735,"end":1493.8151,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08015179634094238},{"word":"i","start":1493.8151,"end":1494.055,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14651136100292206},{"word":"have","start":1494.055,"end":1494.295,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15401338040828705},{"word":"included","start":1494.295,"end":1494.795,"confidence":0.9980469,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.16657863557338717},{"word":"it","start":1494.855,"end":1495.015,"confidence":0.9394531,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17094744741916656},{"word":"in","start":1495.015,"end":1495.175,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13420599699020386},{"word":"there","start":1495.175,"end":1495.415,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15370114147663116},{"word":"should","start":1495.415,"end":1495.655,"confidence":0.76708984,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.1813143789768219},{"word":"you","start":1495.655,"end":1495.8151,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08466474711894989},{"word":"wish","start":1495.8151,"end":1496.135,"confidence":1.0,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":0.1033073365688324},{"word":"to","start":1496.135,"end":1496.295,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10328228771686554},{"word":"do","start":1496.295,"end":1496.4551,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08014252781867981},{"word":"that","start":1496.4551,"end":1496.9551,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07354490458965302},{"word":"for","start":1497.8151,"end":1497.975,"confidence":0.6904297,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.050981469452381134},{"word":"you","start":1497.975,"end":1498.135,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018212363123893734},{"word":"to","start":1498.135,"end":1498.295,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04250943660736084},{"word":"have","start":1498.295,"end":1498.535,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03484981507062912},{"word":"a","start":1498.535,"end":1498.6951,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01797615736722946},{"word":"read","start":1498.6951,"end":1498.935,"confidence":0.984375,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.014514297246932983},{"word":"over","start":1498.935,"end":1499.435,"confidence":0.90063477,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":0.02798910066485405},{"word":"but","start":1500.2151,"end":1500.7151,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.01830170303583145},{"word":"we","start":1501.255,"end":1501.495,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.011146176606416702},{"word":"also","start":1501.495,"end":1501.8151,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.04979882016777992},{"word":"did","start":1501.8151,"end":1502.135,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.03245338425040245},{"word":"talk","start":1502.135,"end":1502.375,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.0013104081153869629},{"word":"about","start":1502.375,"end":1502.775,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.03609740734100342},{"word":"your","start":1502.775,"end":1503.175,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06689052283763885},{"word":"desire","start":1503.175,"end":1503.655,"confidence":0.99902344,"punctuated_word":"desire","sentiment":"neutral","sentiment_score":-0.06831617653369904},{"word":"for","start":1503.655,"end":1503.895,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.060149818658828735},{"word":"trauma","start":1503.895,"end":1504.375,"confidence":0.9980469,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.09901327639818192},{"word":"insurance","start":1504.375,"end":1504.875,"confidence":0.94873047,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.06333695352077484},{"word":"which","start":1504.935,"end":1505.175,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.03519763797521591},{"word":"is","start":1505.175,"end":1505.67,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.046812888234853745},{"word":"we","start":1505.91,"end":1506.41,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04404677078127861},{"word":"did","start":1506.63,"end":1506.87,"confidence":0.6870117,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.05692286416888237},{"word":"a","start":1506.87,"end":1506.9501,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.053048089146614075},{"word":"needs","start":1506.9501,"end":1507.27,"confidence":0.9243164,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":-0.059319667518138885},{"word":"analysis","start":1507.27,"end":1507.75,"confidence":0.9980469,"punctuated_word":"analysis","sentiment":"neutral","sentiment_score":-0.042618539184331894},{"word":"of","start":1507.75,"end":1507.91,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07444703578948975},{"word":"a","start":1507.91,"end":1508.0701,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07923662662506104},{"word":"$145,000","start":1508.0701,"end":1510.0901,"confidence":0.97441405,"punctuated_word":"$145,000.","sentiment":"neutral","sentiment_score":-0.07335860282182693},{"word":"unfortunately","start":1510.63,"end":1511.13,"confidence":0.9812012,"punctuated_word":"Unfortunately,","sentiment":"neutral","sentiment_score":-0.11260133981704712},{"word":"until","start":1511.67,"end":1512.0701,"confidence":0.95703125,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.17428740859031677},{"word":"your","start":1512.0701,"end":1512.31,"confidence":0.9707031,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2016698271036148},{"word":"weight","start":1512.31,"end":1512.79,"confidence":0.9819336,"punctuated_word":"weight...","sentiment":"neutral","sentiment_score":-0.18477803468704224},{"word":"like","start":1512.79,"end":1513.03,"confidence":0.9980469,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":-0.2432049959897995},{"word":"we","start":1513.03,"end":1513.1901,"confidence":0.9370117,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.20129862427711487},{"word":"discussed","start":1513.1901,"end":1513.6901,"confidence":0.99316406,"punctuated_word":"discussed","sentiment":"neutral","sentiment_score":-0.09258584678173064},{"word":"earlier","start":1513.75,"end":1514.15,"confidence":0.9812012,"punctuated_word":"earlier,","sentiment":"neutral","sentiment_score":-0.20398657023906708},{"word":"until","start":1514.15,"end":1514.4701,"confidence":0.9970703,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.2272199988365173},{"word":"your","start":1514.4701,"end":1514.7101,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.3281262516975403},{"word":"weight","start":1514.7101,"end":1514.9501,"confidence":1.0,"punctuated_word":"weight","sentiment":"neutral","sentiment_score":-0.30966222286224365},{"word":"loss","start":1514.9501,"end":1515.4501,"confidence":0.99121094,"punctuated_word":"loss","sentiment":"neutral","sentiment_score":-0.2717262804508209},{"word":"journey","start":1516.0701,"end":1516.55,"confidence":0.9980469,"punctuated_word":"journey","sentiment":"neutral","sentiment_score":-0.2952813506126404},{"word":"has","start":1516.55,"end":1516.9501,"confidence":1.0,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.333729088306427},{"word":"completed","start":1516.9501,"end":1517.4501,"confidence":0.9770508,"punctuated_word":"completed,","sentiment":"neutral","sentiment_score":-0.3244909644126892},{"word":"i","start":1519.235,"end":1519.475,"confidence":0.94921875,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4440444409847259},{"word":"can't","start":1519.475,"end":1519.975,"confidence":0.9914551,"punctuated_word":"can't","sentiment":"negative","sentiment_score":-0.3847571313381195},{"word":"obtain","start":1520.115,"end":1520.515,"confidence":0.99121094,"punctuated_word":"obtain","sentiment":"negative","sentiment_score":-0.3766672909259796},{"word":"that","start":1520.515,"end":1520.755,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3970415592193603},{"word":"cover","start":1520.755,"end":1521.235,"confidence":0.9892578,"punctuated_word":"cover","sentiment":"negative","sentiment_score":-0.35693615674972534},{"word":"on","start":1521.235,"end":1521.3949,"confidence":0.9819336,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.44289398193359375},{"word":"your","start":1521.3949,"end":1521.635,"confidence":0.99902344,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.4544324576854706},{"word":"behalf","start":1521.635,"end":1522.135,"confidence":1.0,"punctuated_word":"behalf","sentiment":"negative","sentiment_score":-0.346724271774292},{"word":"as","start":1522.6749,"end":1522.9149,"confidence":0.6772461,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.3766358196735382},{"word":"well","start":1522.9149,"end":1523.1549,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.33168932795524597},{"word":"as","start":1523.1549,"end":1523.3949,"confidence":0.99902344,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.3670548796653747},{"word":"the","start":1523.3949,"end":1523.635,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.35928604006767273},{"word":"income","start":1523.635,"end":1524.0349,"confidence":0.99902344,"punctuated_word":"income","sentiment":"negative","sentiment_score":-0.3886460363864898},{"word":"protection","start":1524.0349,"end":1524.5349,"confidence":0.9970703,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.2842530608177185},{"word":"at","start":1524.835,"end":1524.995,"confidence":0.4567871,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.395918071269989},{"word":"need","start":1524.995,"end":1525.475,"confidence":0.97802734,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.30236342549324036},{"word":"of","start":1525.475,"end":1525.635,"confidence":0.9980469,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3703067898750305},{"word":"$4,783","start":1525.635,"end":1527.875,"confidence":0.99867463,"punctuated_word":"$4,783","sentiment":"neutral","sentiment_score":-0.32586002349853516},{"word":"per","start":1527.875,"end":1528.115,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.31285104155540466},{"word":"month","start":1528.115,"end":1528.615,"confidence":0.9909668,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.33094149827957153},{"word":"so","start":1528.755,"end":1528.9149,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2353630363941193},{"word":"you","start":1528.9149,"end":1529.075,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.26110807061195374},{"word":"are","start":1529.075,"end":1529.235,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2121122032403946},{"word":"gonna","start":1529.235,"end":1529.5549,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.168944850564003},{"word":"have","start":1529.5549,"end":1529.715,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2725154459476471},{"word":"a","start":1529.715,"end":1529.875,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3182950019836426},{"word":"shortfall","start":1529.875,"end":1530.375,"confidence":0.9350586,"punctuated_word":"shortfall","sentiment":"neutral","sentiment_score":-0.2949298024177551},{"word":"there","start":1530.515,"end":1530.755,"confidence":0.99609375,"punctuated_word":"there","sentiment":"negative","sentiment_score":-0.3347718119621277},{"word":"in","start":1530.755,"end":1530.9149,"confidence":0.99902344,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.383583664894104},{"word":"your","start":1530.9149,"end":1531.1549,"confidence":1.0,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.38602328300476074},{"word":"income","start":1531.1549,"end":1531.5549,"confidence":1.0,"punctuated_word":"income","sentiment":"negative","sentiment_score":-0.4786069095134735},{"word":"protection","start":1531.5549,"end":1532.0549,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.3216361999511719},{"word":"until","start":1532.195,"end":1532.695,"confidence":0.9980469,"punctuated_word":"until","sentiment":"negative","sentiment_score":-0.3512554168701172},{"word":"where","start":1534.72,"end":1535.04,"confidence":0.5371094,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.26953941583633423},{"word":"your","start":1535.04,"end":1535.28,"confidence":0.8833008,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.29097017645835876},{"word":"bmi","start":1535.28,"end":1535.78,"confidence":0.9472656,"punctuated_word":"BMI","sentiment":"neutral","sentiment_score":-0.30078697204589844},{"word":"does","start":1535.84,"end":1536.08,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.25508424639701843},{"word":"reduce","start":1536.08,"end":1536.58,"confidence":0.986084,"punctuated_word":"reduce.","sentiment":"neutral","sentiment_score":-0.2797953486442566},{"word":"any","start":1538.64,"end":1539.04,"confidence":0.99902344,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":-0.08467842638492584},{"word":"questions","start":1539.04,"end":1539.52,"confidence":0.9465332,"punctuated_word":"questions?","sentiment":"neutral","sentiment_score":-0.10967077314853668},{"word":"because","start":1539.52,"end":1539.68,"confidence":0.97998047,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.18472331762313843},{"word":"that's","start":1539.68,"end":1540.0,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.20107047259807587},{"word":"a","start":1540.0,"end":1540.08,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2216127961874008},{"word":"lot","start":1540.08,"end":1540.32,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.2141822725534439},{"word":"of","start":1540.32,"end":1540.48,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2544857859611511},{"word":"information","start":1540.48,"end":1540.88,"confidence":0.9921875,"punctuated_word":"information","sentiment":"neutral","sentiment_score":-0.22511227428913116},{"word":"i","start":1540.88,"end":1541.04,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16779786348342896},{"word":"just","start":1541.04,"end":1541.36,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.13643541932106018},{"word":"downloaded","start":1541.36,"end":1541.84,"confidence":0.99121094,"punctuated_word":"downloaded","sentiment":"neutral","sentiment_score":-0.1523970514535904},{"word":"on","start":1541.84,"end":1542.08,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.14886260032653809},{"word":"you","start":1542.08,"end":1542.58,"confidence":0.99316406,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.1644390970468521},{"word":"okay","start":1549.215,"end":1549.715,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01192665845155716},{"word":"so","start":1549.935,"end":1550.095,"confidence":0.88500977,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.046418920159339905},{"word":"yeah","start":1550.095,"end":1550.335,"confidence":0.9880371,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.04596551135182381},{"word":"i","start":1550.335,"end":1550.495,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10546362400054932},{"word":"just","start":1550.495,"end":1550.655,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09602247923612596},{"word":"wanted","start":1550.655,"end":1551.055,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.11325690150260924},{"word":"to","start":1551.055,"end":1551.135,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1095784530043602},{"word":"make","start":1551.135,"end":1551.375,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.11085426062345503},{"word":"sure","start":1551.375,"end":1551.615,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.11020439118146896},{"word":"that","start":1551.615,"end":1551.935,"confidence":0.93066406,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.1453562080860138},{"word":"like","start":1551.935,"end":1552.095,"confidence":0.99609375,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.12170292437076569},{"word":"with","start":1552.095,"end":1552.335,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.21051150560379028},{"word":"the","start":1552.335,"end":1552.495,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20338135957717896},{"word":"insurance","start":1552.495,"end":1552.995,"confidence":0.8586426,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.1975046545267105},{"word":"there","start":1553.055,"end":1553.295,"confidence":0.93847656,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.27274972200393677},{"word":"is","start":1553.295,"end":1553.535,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.3150574862957001},{"word":"definitely","start":1553.535,"end":1554.015,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.32753780484199524},{"word":"gonna","start":1554.015,"end":1554.255,"confidence":0.99121094,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.28393107652664185},{"word":"be","start":1554.255,"end":1554.415,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.24867427349090576},{"word":"a","start":1554.415,"end":1554.575,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3022204637527466},{"word":"shortfall","start":1554.575,"end":1555.075,"confidence":0.98535156,"punctuated_word":"shortfall","sentiment":"negative","sentiment_score":-0.337119460105896},{"word":"in","start":1555.775,"end":1556.015,"confidence":0.99121094,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3396679759025574},{"word":"your","start":1556.015,"end":1556.255,"confidence":1.0,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.36270949244499207},{"word":"needs","start":1556.255,"end":1556.655,"confidence":0.92333984,"punctuated_word":"needs.","sentiment":"neutral","sentiment_score":-0.2946818470954895},{"word":"like","start":1556.655,"end":1556.8151,"confidence":0.9904785,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.22001418471336365},{"word":"you're","start":1556.8151,"end":1556.975,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.26080113649368286},{"word":"not","start":1556.975,"end":1557.135,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2347022294998169},{"word":"gonna","start":1557.135,"end":1557.375,"confidence":0.9873047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.26930710673332214},{"word":"be","start":1557.375,"end":1557.615,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2803991436958313},{"word":"fully","start":1557.615,"end":1558.11,"confidence":1.0,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":-0.20255471765995023},{"word":"insured","start":1558.35,"end":1558.85,"confidence":0.984375,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.28273171186447144},{"word":"at","start":1558.91,"end":1559.07,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.28468525409698486},{"word":"this","start":1559.07,"end":1559.3099,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.29636120796203613},{"word":"point","start":1559.3099,"end":1559.47,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.24476854503154755},{"word":"in","start":1559.47,"end":1559.71,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.19099780917167664},{"word":"time","start":1559.71,"end":1560.11,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.16529648005962372},{"word":"with","start":1560.11,"end":1560.35,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.13628681004047394},{"word":"what","start":1560.35,"end":1560.51,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08562587201595306},{"word":"you","start":1560.51,"end":1560.75,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1263446807861328},{"word":"need","start":1560.75,"end":1561.25,"confidence":0.9980469,"punctuated_word":"need.","sentiment":"neutral","sentiment_score":-0.1761576533317566},{"word":"we","start":1562.75,"end":1562.99,"confidence":0.8095703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.06276936829090118},{"word":"we","start":1562.99,"end":1563.3099,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06487835198640823},{"word":"are","start":1563.3099,"end":1563.8099,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.08962232619524002},{"word":"restricted","start":1563.87,"end":1564.37,"confidence":0.89282227,"punctuated_word":"restricted,","sentiment":"neutral","sentiment_score":-0.09982365369796752},{"word":"unfortunately","start":1564.83,"end":1565.33,"confidence":0.9970703,"punctuated_word":"unfortunately,","sentiment":"neutral","sentiment_score":-0.19983649253845215},{"word":"due","start":1565.63,"end":1565.79,"confidence":1.0,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.19695676863193512},{"word":"to","start":1565.79,"end":1565.87,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19401147961616516},{"word":"the","start":1565.87,"end":1566.03,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.28314444422721863},{"word":"insurance","start":1566.03,"end":1566.53,"confidence":1.0,"punctuated_word":"insurance","sentiment":"negative","sentiment_score":-0.3392866849899292},{"word":"companies","start":1566.67,"end":1567.17,"confidence":0.8996582,"punctuated_word":"companies,","sentiment":"neutral","sentiment_score":-0.27128803730010986},{"word":"but","start":1567.23,"end":1567.47,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.13769987225532532},{"word":"what","start":1567.47,"end":1567.63,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.14226967096328735},{"word":"we've","start":1567.63,"end":1567.95,"confidence":0.9111328,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.12336670607328416},{"word":"tried","start":1567.95,"end":1568.27,"confidence":0.9980469,"punctuated_word":"tried","sentiment":"neutral","sentiment_score":-0.10279696434736252},{"word":"to","start":1568.27,"end":1568.4299,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0966111421585083},{"word":"do","start":1568.4299,"end":1568.67,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1380268931388855},{"word":"is","start":1568.67,"end":1568.99,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08467426896095276},{"word":"get","start":1568.99,"end":1569.49,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.17475421726703644},{"word":"as","start":1569.63,"end":1569.87,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.10047903656959534},{"word":"much","start":1569.87,"end":1570.11,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.12230046838521956},{"word":"cover","start":1570.11,"end":1570.51,"confidence":0.9941406,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.14841270446777344},{"word":"as","start":1570.51,"end":1570.67,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06191118061542511},{"word":"possible","start":1570.67,"end":1571.17,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":-0.0963592380285263},{"word":"without","start":1571.3099,"end":1571.71,"confidence":0.99902344,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.06712640821933746},{"word":"impacting","start":1571.71,"end":1572.21,"confidence":1.0,"punctuated_word":"impacting","sentiment":"neutral","sentiment_score":-0.16903221607208252},{"word":"your","start":1573.3099,"end":1573.8099,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.31279322504997253},{"word":"superannuation","start":1574.265,"end":1574.765,"confidence":0.99641925,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.16703329980373385},{"word":"balance","start":1575.0651,"end":1575.545,"confidence":0.9873047,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.2545471489429474},{"word":"as","start":1575.545,"end":1575.7051,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.00990813970565796},{"word":"much","start":1575.7051,"end":1575.9451,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.006494343280792236},{"word":"as","start":1575.9451,"end":1576.105,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02099291980266571},{"word":"possible","start":1576.105,"end":1576.605,"confidence":0.97753906,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":-0.09430747479200365},{"word":"so","start":1576.905,"end":1577.145,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02458065003156662},{"word":"have","start":1577.145,"end":1577.385,"confidence":0.9838867,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01251690834760666},{"word":"a","start":1577.385,"end":1577.465,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02024766057729721},{"word":"read","start":1577.465,"end":1577.7051,"confidence":0.9951172,"punctuated_word":"read","sentiment":"neutral","sentiment_score":-0.02500777691602707},{"word":"through","start":1577.7051,"end":1577.865,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.01420293003320694},{"word":"it","start":1577.865,"end":1578.365,"confidence":0.7171631,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.02889750525355339},{"word":"and","start":1578.745,"end":1579.245,"confidence":0.8444824,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.07983270287513733},{"word":"yeah","start":1579.9451,"end":1580.4451,"confidence":0.9914551,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.07687263935804367},{"word":"it's","start":1580.505,"end":1580.905,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06450102478265762},{"word":"it's","start":1580.905,"end":1581.225,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0461796335875988},{"word":"all","start":1581.225,"end":1581.465,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.04816725477576256},{"word":"in","start":1581.465,"end":1581.7051,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.026264287531375885},{"word":"there","start":1581.7051,"end":1581.9451,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.02401423454284668},{"word":"for","start":1581.9451,"end":1582.345,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.013964887708425522},{"word":"you","start":1582.345,"end":1582.5851,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.028569888323545456},{"word":"to","start":1582.5851,"end":1582.905,"confidence":0.9428711,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04476535692811012},{"word":"ex","start":1582.905,"end":1583.385,"confidence":0.5854492,"punctuated_word":"ex...","sentiment":"neutral","sentiment_score":-0.028024854138493534},{"word":"for","start":1583.385,"end":1583.545,"confidence":1.0,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.03520467132329941},{"word":"you","start":1583.545,"end":1584.045,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0404287651181221},{"word":"to","start":1584.105,"end":1584.265,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.033673979341983795},{"word":"understand","start":1584.265,"end":1584.765,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.04878664016723633},{"word":"and","start":1584.985,"end":1585.385,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04053951054811478},{"word":"make","start":1585.385,"end":1585.625,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.037608638405799866},{"word":"a","start":1585.625,"end":1585.785,"confidence":0.65625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02846745401620865},{"word":"dis","start":1585.785,"end":1586.025,"confidence":0.6816406,"punctuated_word":"dis...","sentiment":"neutral","sentiment_score":-0.02592418901622295},{"word":"an","start":1586.025,"end":1586.265,"confidence":0.9980469,"punctuated_word":"An","sentiment":"neutral","sentiment_score":0.03343258053064346},{"word":"informed","start":1586.265,"end":1586.665,"confidence":0.9482422,"punctuated_word":"informed","sentiment":"neutral","sentiment_score":0.04377353563904762},{"word":"decision","start":1586.665,"end":1587.145,"confidence":1.0,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":0.053284190595149994},{"word":"on","start":1587.145,"end":1587.305,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03349407762289047},{"word":"that","start":1587.305,"end":1587.805,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.05732065439224243},{"word":"the","start":1592.9501,"end":1593.11,"confidence":0.9770508,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.21737292408943176},{"word":"next","start":1593.11,"end":1593.5901,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.17142410576343536},{"word":"part","start":1593.5901,"end":1593.91,"confidence":1.0,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.2567790448665619},{"word":"is","start":1593.91,"end":1594.31,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16048920154571533},{"word":"just","start":1594.31,"end":1594.7101,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2142251878976822},{"word":"establishing","start":1594.7101,"end":1595.2101,"confidence":0.99902344,"punctuated_word":"establishing","sentiment":"neutral","sentiment_score":0.18156561255455017},{"word":"a","start":1595.5901,"end":1595.91,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2172007262706757},{"word":"beneficiary","start":1595.91,"end":1596.41,"confidence":0.99902344,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.22318167984485623},{"word":"nomination","start":1596.63,"end":1597.13,"confidence":0.94555664,"punctuated_word":"nomination.","sentiment":"neutral","sentiment_score":0.2136712372303009},{"word":"so","start":1597.51,"end":1597.91,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1688690185546875},{"word":"within","start":1597.91,"end":1598.41,"confidence":0.9863281,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.15386025607585907},{"word":"hub","start":1598.4701,"end":1598.9501,"confidence":0.680542,"punctuated_word":"Hub,","sentiment":"neutral","sentiment_score":0.17178931832313538},{"word":"make","start":1598.9501,"end":1599.1901,"confidence":0.9790039,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2063182294368744},{"word":"a","start":1599.1901,"end":1599.35,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2396164238452911},{"word":"non","start":1599.35,"end":1599.67,"confidence":0.984375,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.17072324454784393},{"word":"lapsing","start":1599.67,"end":1600.0701,"confidence":0.9577637,"punctuated_word":"lapsing","sentiment":"neutral","sentiment_score":0.1312708556652069},{"word":"beneficiary","start":1600.0701,"end":1600.5701,"confidence":0.99902344,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.1382950097322464},{"word":"nomination","start":1601.75,"end":1602.25,"confidence":0.9873047,"punctuated_word":"nomination","sentiment":"neutral","sentiment_score":0.1729557365179062},{"word":"to","start":1602.39,"end":1602.55,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18461056053638455},{"word":"your","start":1602.55,"end":1602.87,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15679232776165009},{"word":"daughter","start":1602.87,"end":1603.37,"confidence":0.9995117,"punctuated_word":"daughter.","sentiment":"neutral","sentiment_score":0.12494981288909912},{"word":"i've","start":1605.185,"end":1605.3451,"confidence":0.97509766,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1604280322790146},{"word":"included","start":1605.3451,"end":1605.8451,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.14712123572826383},{"word":"some","start":1606.0651,"end":1606.385,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.12007366865873335},{"word":"information","start":1606.385,"end":1606.865,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.10874220728874208},{"word":"in","start":1606.865,"end":1607.025,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10245102643966676},{"word":"here","start":1607.025,"end":1607.3451,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.12230446934700012},{"word":"about","start":1607.3451,"end":1607.8451,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07116811722517014},{"word":"minor","start":1608.625,"end":1609.125,"confidence":0.97802734,"punctuated_word":"minor","sentiment":"neutral","sentiment_score":0.06220567226409912},{"word":"beneficiary","start":1609.265,"end":1609.765,"confidence":0.9970703,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.05441310256719589},{"word":"death","start":1610.9451,"end":1611.265,"confidence":0.36010742,"punctuated_word":"death","sentiment":"neutral","sentiment_score":0.035603586584329605},{"word":"benefit","start":1611.265,"end":1611.745,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.047316551208496094},{"word":"considerations","start":1611.745,"end":1612.245,"confidence":0.8613281,"punctuated_word":"considerations.","sentiment":"neutral","sentiment_score":0.06346070766448975},{"word":"so","start":1613.185,"end":1613.425,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.048050060868263245},{"word":"have","start":1613.425,"end":1613.665,"confidence":0.97509766,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04569019004702568},{"word":"a","start":1613.665,"end":1613.8251,"confidence":0.96972656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04273077845573425},{"word":"read","start":1613.8251,"end":1614.0651,"confidence":0.99902344,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.017136739566922188},{"word":"through","start":1614.0651,"end":1614.385,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.01628468558192253},{"word":"those","start":1614.385,"end":1614.885,"confidence":0.76586914,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.021804682910442352},{"word":"yep","start":1616.0651,"end":1616.5651,"confidence":0.94677734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10476692020893096},{"word":"just","start":1617.47,"end":1617.63,"confidence":0.9863281,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.1576329469680786},{"word":"to","start":1617.63,"end":1617.87,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15322452783584595},{"word":"make","start":1617.87,"end":1618.03,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1807328462600708},{"word":"sure","start":1618.03,"end":1618.27,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2053384631872177},{"word":"that","start":1618.27,"end":1618.43,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2902522683143616},{"word":"you're","start":1618.43,"end":1618.67,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.26717209815979004},{"word":"happy","start":1618.67,"end":1618.99,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.27758654952049255},{"word":"with","start":1618.99,"end":1619.15,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.33094748854637146},{"word":"that","start":1619.15,"end":1619.65,"confidence":0.7541504,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.28648343682289124},{"word":"if","start":1620.11,"end":1620.43,"confidence":0.87841797,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2564886808395386},{"word":"any","start":1620.43,"end":1620.93,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.20065400004386905},{"word":"further","start":1621.87,"end":1622.27,"confidence":0.9790039,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.2043428421020508},{"word":"considerations","start":1622.27,"end":1622.77,"confidence":0.9970703,"punctuated_word":"considerations","sentiment":"neutral","sentiment_score":0.14649991691112518},{"word":"need","start":1623.15,"end":1623.47,"confidence":0.9838867,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.13094700872898102},{"word":"to","start":1623.47,"end":1623.63,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13176900148391724},{"word":"be","start":1623.63,"end":1623.79,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1105860024690628},{"word":"made","start":1623.79,"end":1624.29,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.12846460938453674},{"word":"about","start":1624.99,"end":1625.49,"confidence":0.98828125,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13016892969608307},{"word":"estate","start":1626.03,"end":1626.43,"confidence":0.87841797,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.10007629543542862},{"word":"planning","start":1626.43,"end":1626.8301,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.17551341652870178},{"word":"and","start":1626.8301,"end":1626.99,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21515193581581116},{"word":"how","start":1626.99,"end":1627.15,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1995747834444046},{"word":"that","start":1627.15,"end":1627.31,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29469940066337585},{"word":"will","start":1627.31,"end":1627.55,"confidence":0.9951172,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2116779237985611},{"word":"work","start":1627.55,"end":1627.87,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.23561100661754608},{"word":"with","start":1627.87,"end":1628.03,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2053896188735962},{"word":"your","start":1628.03,"end":1628.35,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11251227557659148},{"word":"estate","start":1628.35,"end":1628.75,"confidence":0.99609375,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.05254550278186798},{"word":"planning","start":1628.75,"end":1629.25,"confidence":0.9641113,"punctuated_word":"planning.","sentiment":"neutral","sentiment_score":0.1389530599117279},{"word":"and","start":1631.325,"end":1631.8049,"confidence":0.8786621,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.06717972457408905},{"word":"additionally","start":1631.8049,"end":1632.3049,"confidence":0.9980469,"punctuated_word":"additionally,","sentiment":"neutral","sentiment_score":0.07422128319740295},{"word":"the","start":1632.925,"end":1633.005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06970271468162537},{"word":"next","start":1633.005,"end":1633.505,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04854738712310791},{"word":"the","start":1633.565,"end":1633.8049,"confidence":0.9267578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05185186490416527},{"word":"next","start":1633.8049,"end":1634.125,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.03666829317808151},{"word":"two","start":1634.125,"end":1634.525,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0515848845243454},{"word":"are","start":1634.525,"end":1635.005,"confidence":0.9580078,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06831777840852737},{"word":"for","start":1635.005,"end":1635.245,"confidence":0.9873047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06042362377047539},{"word":"you","start":1635.245,"end":1635.405,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06326355040073395},{"word":"to","start":1635.405,"end":1635.565,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05510326474905014},{"word":"establish","start":1635.565,"end":1636.065,"confidence":0.99902344,"punctuated_word":"establish","sentiment":"neutral","sentiment_score":0.03478580713272095},{"word":"a","start":1636.205,"end":1636.445,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04382779076695442},{"word":"will","start":1636.445,"end":1636.845,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.040128763765096664},{"word":"and","start":1636.845,"end":1637.165,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.015609778463840485},{"word":"power","start":1637.165,"end":1637.565,"confidence":0.9970703,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.041348088532686234},{"word":"of","start":1637.565,"end":1637.725,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030382342636585236},{"word":"attorney","start":1637.725,"end":1638.225,"confidence":0.9995117,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":0.01971427910029888},{"word":"obviously","start":1642.365,"end":1642.845,"confidence":0.90063477,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.013510193675756454},{"word":"not","start":1642.845,"end":1643.085,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03847220912575722},{"word":"having","start":1643.085,"end":1643.405,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.06202347204089165},{"word":"those","start":1643.405,"end":1643.725,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.060011375695466995},{"word":"in","start":1643.725,"end":1643.885,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08356349170207977},{"word":"place","start":1643.885,"end":1644.385,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":-0.0936911404132843},{"word":"means","start":1645.38,"end":1645.78,"confidence":0.9970703,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.09216512739658356},{"word":"that","start":1645.78,"end":1646.28,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06633038818836212},{"word":"you're","start":1646.42,"end":1646.92,"confidence":0.78515625,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.06961879134178162},{"word":"in","start":1647.9401,"end":1648.18,"confidence":0.86865234,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06494267284870148},{"word":"and","start":1648.18,"end":1648.26,"confidence":0.28588867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05754968896508217},{"word":"out","start":1648.26,"end":1648.5,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.053461045026779175},{"word":"from","start":1648.5,"end":1648.74,"confidence":0.86621094,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.053703371435403824},{"word":"a","start":1648.74,"end":1648.9,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04944749176502228},{"word":"will","start":1648.9,"end":1649.14,"confidence":0.9550781,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.05552606284618378},{"word":"perspective","start":1649.14,"end":1649.64,"confidence":0.99609375,"punctuated_word":"perspective","sentiment":"neutral","sentiment_score":-0.06414878368377686},{"word":"that","start":1649.78,"end":1650.1001,"confidence":0.83935547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07366974651813507},{"word":"your","start":1650.1001,"end":1650.6001,"confidence":0.9589844,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.104669451713562},{"word":"wishes","start":1650.9801,"end":1651.4601,"confidence":0.99609375,"punctuated_word":"wishes","sentiment":"neutral","sentiment_score":-0.07983649522066116},{"word":"may","start":1651.4601,"end":1651.62,"confidence":0.99902344,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.061878278851509094},{"word":"not","start":1651.62,"end":1651.86,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07028855383396149},{"word":"be","start":1651.86,"end":1652.36,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07135995477437973},{"word":"addressed","start":1653.7001,"end":1654.2001,"confidence":0.9863281,"punctuated_word":"addressed","sentiment":"neutral","sentiment_score":-0.028548281639814377},{"word":"as","start":1655.06,"end":1655.2201,"confidence":0.85058594,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04800677299499512},{"word":"it","start":1655.2201,"end":1655.38,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.027789406478405},{"word":"would","start":1655.38,"end":1655.78,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.03976140916347504},{"word":"fall","start":1655.78,"end":1656.1001,"confidence":0.99902344,"punctuated_word":"fall","sentiment":"neutral","sentiment_score":-0.01069282367825508},{"word":"under","start":1656.1001,"end":1656.5801,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.018162772059440613},{"word":"a","start":1656.5801,"end":1656.8201,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02269517257809639},{"word":"public","start":1656.8201,"end":1657.2201,"confidence":0.99609375,"punctuated_word":"public","sentiment":"neutral","sentiment_score":-0.03772297501564026},{"word":"trustee","start":1657.2201,"end":1657.7201,"confidence":0.97509766,"punctuated_word":"trustee","sentiment":"neutral","sentiment_score":-0.01214580237865448},{"word":"likely","start":1657.78,"end":1658.18,"confidence":0.96875,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":0.0035294219851493835},{"word":"to","start":1658.18,"end":1658.26,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.011587925255298616},{"word":"make","start":1658.26,"end":1658.5,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.011480413377285004},{"word":"those","start":1658.5,"end":1658.8201,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.03511125594377518},{"word":"decisions","start":1658.8201,"end":1659.3201,"confidence":0.99121094,"punctuated_word":"decisions","sentiment":"neutral","sentiment_score":-0.01565738022327423},{"word":"for","start":1659.4601,"end":1659.62,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02621738612651825},{"word":"you","start":1659.62,"end":1660.12,"confidence":0.8276367,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.019843021407723427},{"word":"and","start":1661.445,"end":1661.845,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0026122406125068665},{"word":"with","start":1661.845,"end":1662.085,"confidence":0.7036133,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.020155631005764008},{"word":"the","start":1662.085,"end":1662.165,"confidence":0.7661133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0042097121477127075},{"word":"power","start":1662.165,"end":1662.485,"confidence":0.9941406,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.0014076679944992063},{"word":"of","start":1662.485,"end":1662.645,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0032877326011657715},{"word":"attorney","start":1662.645,"end":1663.125,"confidence":0.9511719,"punctuated_word":"attorney,","sentiment":"neutral","sentiment_score":-0.002688901498913765},{"word":"if","start":1663.125,"end":1663.365,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.006034312769770622},{"word":"anything","start":1663.365,"end":1663.765,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.0034828707575798035},{"word":"was","start":1663.765,"end":1664.085,"confidence":0.9277344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.029806822538375854},{"word":"to","start":1664.085,"end":1664.245,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.031740788370370865},{"word":"happen","start":1664.245,"end":1664.485,"confidence":0.9863281,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.023169562220573425},{"word":"to","start":1664.485,"end":1664.985,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.029882565140724186},{"word":"you","start":1665.045,"end":1665.365,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02176567539572716},{"word":"while","start":1665.365,"end":1665.605,"confidence":0.99121094,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.03194567561149597},{"word":"you're","start":1665.605,"end":1665.925,"confidence":0.9042969,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.01801386848092079},{"word":"alive","start":1665.925,"end":1666.245,"confidence":0.9970703,"punctuated_word":"alive","sentiment":"neutral","sentiment_score":-0.011898517608642578},{"word":"and","start":1666.245,"end":1666.405,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.013093937188386915},{"word":"you're","start":1666.405,"end":1666.645,"confidence":0.96875,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.021213382482528687},{"word":"unable","start":1666.645,"end":1667.045,"confidence":0.99902344,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":-0.040006525814533234},{"word":"to","start":1667.045,"end":1667.125,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.038255725055933},{"word":"make","start":1667.125,"end":1667.445,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.035652607679367065},{"word":"decisions","start":1667.445,"end":1667.945,"confidence":0.9941406,"punctuated_word":"decisions,","sentiment":"neutral","sentiment_score":-0.05480014905333519},{"word":"there's","start":1668.085,"end":1668.325,"confidence":0.99194336,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.02875010296702385},{"word":"no","start":1668.325,"end":1668.485,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.013799108564853668},{"word":"one","start":1668.485,"end":1668.805,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.025417815893888474},{"word":"nominated","start":1668.805,"end":1669.305,"confidence":1.0,"punctuated_word":"nominated","sentiment":"neutral","sentiment_score":0.009835573844611645},{"word":"to","start":1669.605,"end":1669.6849,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005215182900428772},{"word":"do","start":1669.6849,"end":1669.925,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.017750494182109833},{"word":"that","start":1669.925,"end":1670.165,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.013063773512840273},{"word":"on","start":1670.165,"end":1670.325,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.017069973051548004},{"word":"your","start":1670.325,"end":1670.565,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.011171199381351473},{"word":"behalf","start":1670.565,"end":1671.065,"confidence":1.0,"punctuated_word":"behalf.","sentiment":"neutral","sentiment_score":0.009252283722162248},{"word":"the","start":1674.23,"end":1674.3899,"confidence":0.97314453,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.05775944143533707},{"word":"next","start":1674.3899,"end":1674.71,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.05470800772309303},{"word":"section","start":1674.71,"end":1675.11,"confidence":0.7890625,"punctuated_word":"section","sentiment":"neutral","sentiment_score":0.08301815390586853},{"word":"is","start":1675.11,"end":1675.35,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06775425374507904},{"word":"our","start":1675.35,"end":1675.5099,"confidence":0.984375,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.0821807011961937},{"word":"ongoing","start":1675.5099,"end":1676.0099,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.10845613479614258},{"word":"services","start":1676.1499,"end":1676.6499,"confidence":0.8684082,"punctuated_word":"services.","sentiment":"neutral","sentiment_score":0.07049519568681717},{"word":"so","start":1677.0299,"end":1677.5299,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13056980073451996},{"word":"it","start":1677.59,"end":1677.9099,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16876399517059326},{"word":"does","start":1677.9099,"end":1678.4099,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.12766392529010773},{"word":"explain","start":1678.71,"end":1679.19,"confidence":0.99902344,"punctuated_word":"explain","sentiment":"neutral","sentiment_score":0.1031213030219078},{"word":"to","start":1679.19,"end":1679.4299,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1074046716094017},{"word":"you","start":1679.4299,"end":1679.5099,"confidence":0.9550781,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11730685830116272},{"word":"what","start":1679.5099,"end":1679.83,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0930657684803009},{"word":"your","start":1679.83,"end":1680.07,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08062390983104706},{"word":"fees","start":1680.07,"end":1680.57,"confidence":0.9716797,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.0601804256439209},{"word":"cover","start":1680.95,"end":1681.45,"confidence":0.97143555,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.058876268565654755},{"word":"again","start":1682.5499,"end":1683.0499,"confidence":0.9946289,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.1202213615179062},{"word":"the","start":1683.19,"end":1683.35,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14193354547023773},{"word":"recommendation","start":1683.35,"end":1683.85,"confidence":0.99853516,"punctuated_word":"recommendation,","sentiment":"neutral","sentiment_score":0.13463124632835388},{"word":"the","start":1684.23,"end":1684.47,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14705099165439606},{"word":"implementation","start":1684.47,"end":1684.97,"confidence":1.0,"punctuated_word":"implementation","sentiment":"neutral","sentiment_score":0.08362609148025513},{"word":"of","start":1685.2699,"end":1685.4299,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12314020842313766},{"word":"it","start":1685.4299,"end":1685.865,"confidence":0.99072266,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.11431294679641724},{"word":"your","start":1687.225,"end":1687.725,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14246949553489685},{"word":"regular","start":1688.025,"end":1688.505,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.10075654089450836},{"word":"reviews","start":1688.505,"end":1689.005,"confidence":0.8430176,"punctuated_word":"reviews,","sentiment":"neutral","sentiment_score":0.09368109703063963},{"word":"and","start":1689.3049,"end":1689.545,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11339467018842696},{"word":"depending","start":1689.545,"end":1690.045,"confidence":0.99902344,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.13010168075561523},{"word":"on","start":1690.105,"end":1690.345,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10210750997066498},{"word":"the","start":1690.345,"end":1690.505,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09560064226388933},{"word":"frequency","start":1690.505,"end":1691.005,"confidence":1.0,"punctuated_word":"frequency","sentiment":"neutral","sentiment_score":0.07401593029499054},{"word":"of","start":1691.065,"end":1691.225,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08000178635120392},{"word":"whether","start":1691.225,"end":1691.545,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.06568031013011932},{"word":"you","start":1691.545,"end":1691.705,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07402977347373962},{"word":"want","start":1691.705,"end":1691.945,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.04926643148064613},{"word":"them","start":1691.945,"end":1692.345,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.06798063963651657},{"word":"to","start":1692.345,"end":1692.585,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05795585736632347},{"word":"be","start":1692.585,"end":1692.825,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.050621166825294495},{"word":"annually","start":1692.825,"end":1693.3049,"confidence":0.99609375,"punctuated_word":"annually","sentiment":"neutral","sentiment_score":0.04492326080799103},{"word":"or","start":1693.3049,"end":1693.705,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.050475019961595535},{"word":"biannually","start":1693.705,"end":1694.205,"confidence":0.9144287,"punctuated_word":"biannually.","sentiment":"neutral","sentiment_score":0.0691891461610794},{"word":"and","start":1696.425,"end":1696.665,"confidence":0.9550781,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08846142143011093},{"word":"also","start":1696.665,"end":1697.165,"confidence":0.5683594,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08006852865219116},{"word":"as","start":1697.385,"end":1697.885,"confidence":0.5234375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11497706919908524},{"word":"your","start":1697.945,"end":1698.345,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09877924621105194},{"word":"situation","start":1698.345,"end":1698.845,"confidence":1.0,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":0.07233264297246933},{"word":"changes","start":1698.985,"end":1699.485,"confidence":0.98706055,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.09551726281642914},{"word":"it","start":1700.1849,"end":1700.345,"confidence":0.9667969,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12786765396595},{"word":"is","start":1700.345,"end":1700.82,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10001515597105026},{"word":"we're","start":1701.7,"end":1702.0199,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.17954640090465546},{"word":"here","start":1702.0199,"end":1702.2599,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.1983725130558014},{"word":"for","start":1702.2599,"end":1702.5,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19676446914672852},{"word":"anything","start":1702.5,"end":1703.0,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.19441546499729156},{"word":"for","start":1703.1399,"end":1703.38,"confidence":0.8041992,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16683170199394226},{"word":"you","start":1703.38,"end":1703.5399,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13726206123828888},{"word":"to","start":1703.5399,"end":1703.7,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13693411648273468},{"word":"contact","start":1703.7,"end":1704.0199,"confidence":1.0,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":0.12777817249298096},{"word":"us","start":1704.0199,"end":1704.2599,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.12614260613918304},{"word":"and","start":1704.2599,"end":1704.4199,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1351872980594635},{"word":"reach","start":1704.4199,"end":1704.6599,"confidence":0.99902344,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.12875527143478394},{"word":"out","start":1704.6599,"end":1704.8999,"confidence":0.8474121,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.12342801690101624},{"word":"so","start":1704.8999,"end":1705.3999,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12548258900642395},{"word":"we're","start":1705.46,"end":1705.86,"confidence":0.99609375,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1659148633480072},{"word":"we're","start":1705.86,"end":1706.2599,"confidence":0.99560547,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1559182107448578},{"word":"abreast","start":1706.2599,"end":1706.6599,"confidence":0.96158856,"punctuated_word":"abreast","sentiment":"neutral","sentiment_score":0.17553703486919403},{"word":"of","start":1706.6599,"end":1706.82,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18844488263130188},{"word":"what's","start":1706.82,"end":1707.0599,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.1818634271621704},{"word":"going","start":1707.0599,"end":1707.2999,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2150176465511322},{"word":"on","start":1707.2999,"end":1707.7799,"confidence":0.7401123,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.20500394701957703},{"word":"and","start":1707.7799,"end":1708.0199,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.190167099237442},{"word":"if","start":1708.0199,"end":1708.1799,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19196376204490664},{"word":"there's","start":1708.1799,"end":1708.4199,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1735697090625763},{"word":"any","start":1708.4199,"end":1708.6599,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.13582682609558103},{"word":"changes","start":1708.6599,"end":1709.1399,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.10659628361463548},{"word":"that","start":1709.1399,"end":1709.2999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1503629833459854},{"word":"you","start":1709.2999,"end":1709.5399,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15577346086502075},{"word":"need","start":1709.5399,"end":1709.86,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.15794706344604492},{"word":"made","start":1709.86,"end":1710.1,"confidence":0.9941406,"punctuated_word":"made,","sentiment":"neutral","sentiment_score":0.16776889562606812},{"word":"we","start":1710.1,"end":1710.2599,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18818707764148712},{"word":"can","start":1710.2599,"end":1710.6599,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20677095651626587},{"word":"action","start":1710.6599,"end":1711.0599,"confidence":0.9980469,"punctuated_word":"action","sentiment":"neutral","sentiment_score":0.17160528898239136},{"word":"those","start":1711.0599,"end":1711.46,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1215541809797287},{"word":"for","start":1711.46,"end":1711.7,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1474965512752533},{"word":"you","start":1711.7,"end":1712.1799,"confidence":0.984375,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.108004629611969},{"word":"so","start":1712.1799,"end":1712.34,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10929176211357115},{"word":"you're","start":1712.34,"end":1712.58,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08768969774246216},{"word":"not","start":1712.58,"end":1712.74,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03546290844678879},{"word":"limited","start":1712.74,"end":1713.24,"confidence":1.0,"punctuated_word":"limited...","sentiment":"neutral","sentiment_score":-0.0038329195231199265},{"word":"basically","start":1713.2999,"end":1713.7,"confidence":0.97802734,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.023025762289762497},{"word":"what","start":1713.7,"end":1713.94,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03698507323861122},{"word":"i'm","start":1713.94,"end":1714.1,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03477846831083298},{"word":"saying","start":1714.1,"end":1714.2599,"confidence":1.0,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.07442621886730194},{"word":"is","start":1714.2599,"end":1714.4199,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05402113497257233},{"word":"is","start":1714.4199,"end":1714.58,"confidence":0.75439453,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07168175280094147},{"word":"you're","start":1714.58,"end":1714.74,"confidence":0.9921875,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07100822776556015},{"word":"not","start":1714.74,"end":1714.8999,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0268472358584404},{"word":"limited","start":1714.8999,"end":1715.38,"confidence":1.0,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":-0.019993431866168976},{"word":"to","start":1715.38,"end":1715.5399,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01151461899280548},{"word":"just","start":1715.5399,"end":1715.7799,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.011312514543533323},{"word":"your","start":1715.7799,"end":1716.0199,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.014343678951263428},{"word":"reviews","start":1716.0199,"end":1716.495,"confidence":0.9873047,"punctuated_word":"reviews.","sentiment":"neutral","sentiment_score":0.026313509792089462},{"word":"yeah","start":1720.575,"end":1721.055,"confidence":0.9807129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.26294803619384766},{"word":"yeah","start":1721.055,"end":1721.555,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21259862184524536},{"word":"the","start":1722.895,"end":1723.135,"confidence":0.9013672,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1716874986886978},{"word":"next","start":1723.135,"end":1723.375,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1347353607416153},{"word":"couple","start":1723.375,"end":1723.695,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.13217230141162872},{"word":"of","start":1723.695,"end":1723.855,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13637378811836243},{"word":"pages","start":1723.855,"end":1724.255,"confidence":1.0,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.11450987309217452},{"word":"is","start":1724.255,"end":1724.415,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11942175030708312},{"word":"just","start":1724.415,"end":1724.815,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11530585587024687},{"word":"important","start":1724.815,"end":1725.295,"confidence":0.97998047,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.09876000136137009},{"word":"information","start":1725.295,"end":1725.795,"confidence":0.94091797,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.08406440913677216},{"word":"so","start":1726.335,"end":1726.735,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21852535009384155},{"word":"the","start":1726.735,"end":1726.895,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2472504675388336},{"word":"next","start":1726.895,"end":1727.215,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.17508164048194885},{"word":"step","start":1727.215,"end":1727.535,"confidence":0.5151367,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.28485357761383057},{"word":"is","start":1727.535,"end":1727.9349,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.27558451890945435},{"word":"you","start":1727.9349,"end":1728.175,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29767388105392456},{"word":"read","start":1728.175,"end":1728.415,"confidence":0.97802734,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.21160638332366943},{"word":"through","start":1728.415,"end":1728.655,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2597818374633789},{"word":"this","start":1728.655,"end":1729.05,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.19853252172470093},{"word":"and","start":1729.6101,"end":1729.93,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15761703252792358},{"word":"make","start":1729.93,"end":1730.25,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.14581641554832458},{"word":"an","start":1730.25,"end":1730.49,"confidence":0.98095703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.24814605712890625},{"word":"informed","start":1730.49,"end":1730.89,"confidence":0.9770508,"punctuated_word":"informed","sentiment":"neutral","sentiment_score":0.1988215744495392},{"word":"decision","start":1730.89,"end":1731.37,"confidence":0.9719238,"punctuated_word":"decision.","sentiment":"neutral","sentiment_score":0.20073795318603516},{"word":"if","start":1731.37,"end":1731.6101,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.17782750725746155},{"word":"we","start":1731.6101,"end":1731.6901,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18404674530029297},{"word":"need","start":1731.6901,"end":1732.0901,"confidence":0.98291016,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.20453119277954104},{"word":"to","start":1732.0901,"end":1732.17,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24736261367797852},{"word":"have","start":1732.17,"end":1732.3301,"confidence":0.99316406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15245163440704346},{"word":"another","start":1732.3301,"end":1732.7301,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.12030532956123352},{"word":"meeting","start":1732.7301,"end":1733.05,"confidence":0.99902344,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":0.0988379418849945},{"word":"after","start":1733.05,"end":1733.29,"confidence":0.8881836,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.1570609211921692},{"word":"you've","start":1733.29,"end":1733.53,"confidence":0.96240234,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1706191897392273},{"word":"had","start":1733.53,"end":1733.6901,"confidence":0.9902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1767516732215881},{"word":"to","start":1733.6901,"end":1733.77,"confidence":0.6298828,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19491130113601685},{"word":"read","start":1733.77,"end":1733.93,"confidence":0.99902344,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.11196526885032654},{"word":"through","start":1733.93,"end":1734.17,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1899377405643463},{"word":"it","start":1734.17,"end":1734.3301,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24721774458885193},{"word":"to","start":1734.3301,"end":1734.49,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21348567306995392},{"word":"go","start":1734.49,"end":1734.65,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2121613323688507},{"word":"through","start":1734.65,"end":1734.81,"confidence":0.9892578,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2012495398521423},{"word":"any","start":1734.81,"end":1735.05,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.22633221745491028},{"word":"questions","start":1735.05,"end":1735.55,"confidence":0.99365234,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.11799517273902892},{"word":"absolutely","start":1735.8501,"end":1736.3501,"confidence":0.99902344,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.27659547328948975},{"word":"fine","start":1736.49,"end":1736.99,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.4977380633354187},{"word":"approved","start":1738.89,"end":1739.37,"confidence":0.939209,"punctuated_word":"Approved","sentiment":"positive","sentiment_score":0.38665711879730225},{"word":"product","start":1739.37,"end":1739.77,"confidence":0.99902344,"punctuated_word":"product","sentiment":"positive","sentiment_score":0.35307615995407104},{"word":"list","start":1739.77,"end":1740.17,"confidence":0.9970703,"punctuated_word":"list","sentiment":"positive","sentiment_score":0.4070271849632263},{"word":"is","start":1740.17,"end":1740.41,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3045524060726166},{"word":"we've","start":1740.41,"end":1740.65,"confidence":0.91015625,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.3782665729522705},{"word":"got","start":1740.65,"end":1740.81,"confidence":0.99902344,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.35082921385765076},{"word":"an","start":1740.81,"end":1740.9701,"confidence":1.0,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.35899120569229126},{"word":"open","start":1740.9701,"end":1741.4501,"confidence":0.99902344,"punctuated_word":"open","sentiment":"positive","sentiment_score":0.3347681164741516},{"word":"apl","start":1741.4501,"end":1741.9501,"confidence":0.929362,"punctuated_word":"APL,","sentiment":"positive","sentiment_score":0.3576534688472748},{"word":"which","start":1743.255,"end":1743.495,"confidence":0.9970703,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.36458003520965576},{"word":"means","start":1743.495,"end":1743.735,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.33300554752349854},{"word":"we","start":1743.735,"end":1743.9751,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3149258494377136},{"word":"can","start":1743.9751,"end":1744.4551,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4078855514526367},{"word":"invest","start":1744.4551,"end":1744.9551,"confidence":1.0,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.33160993456840515},{"word":"and","start":1745.3351,"end":1745.655,"confidence":0.9873047,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4804754853248596},{"word":"recommend","start":1745.655,"end":1746.155,"confidence":0.9980469,"punctuated_word":"recommend","sentiment":"positive","sentiment_score":0.3693198263645172},{"word":"in","start":1746.375,"end":1746.775,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3770758807659149},{"word":"whatever","start":1746.775,"end":1747.275,"confidence":0.99902344,"punctuated_word":"whatever","sentiment":"positive","sentiment_score":0.35085994005203247},{"word":"is","start":1747.895,"end":1748.375,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2622019350528717},{"word":"approved","start":1748.375,"end":1748.8551,"confidence":1.0,"punctuated_word":"approved","sentiment":"positive","sentiment_score":0.3451429605484009},{"word":"by","start":1748.8551,"end":1749.0951,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.3149569034576416},{"word":"our","start":1749.0951,"end":1749.255,"confidence":0.9941406,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.33242714405059814},{"word":"licensee","start":1749.255,"end":1749.755,"confidence":0.79541016,"punctuated_word":"licensee.","sentiment":"neutral","sentiment_score":0.29600924253463745},{"word":"product","start":1751.255,"end":1751.655,"confidence":1.0,"punctuated_word":"Product","sentiment":"neutral","sentiment_score":0.0915597677230835},{"word":"disclosure","start":1751.655,"end":1752.155,"confidence":0.9980469,"punctuated_word":"disclosure","sentiment":"neutral","sentiment_score":0.03895596042275429},{"word":"statements","start":1752.295,"end":1752.795,"confidence":0.92163086,"punctuated_word":"statements,","sentiment":"neutral","sentiment_score":0.06599204242229462},{"word":"product","start":1753.0951,"end":1753.495,"confidence":1.0,"punctuated_word":"product","sentiment":"neutral","sentiment_score":0.08516374230384827},{"word":"disclosure","start":1753.495,"end":1753.995,"confidence":0.99902344,"punctuated_word":"disclosure","sentiment":"neutral","sentiment_score":0.08383781462907791},{"word":"information","start":1754.055,"end":1754.535,"confidence":0.92041016,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":0.07759149372577667},{"word":"which","start":1754.535,"end":1754.8551,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1797773540019989},{"word":"they're","start":1754.8551,"end":1755.0951,"confidence":0.6890869,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.14641162753105164},{"word":"all","start":1755.0951,"end":1755.415,"confidence":0.98535156,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1736903041601181},{"word":"attached","start":1755.415,"end":1755.81,"confidence":0.9941406,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.1310587376356125},{"word":"to","start":1756.53,"end":1756.6101,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13141803443431854},{"word":"the","start":1756.6101,"end":1756.8501,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1585036814212799},{"word":"email","start":1756.8501,"end":1757.0901,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.13937193155288696},{"word":"that","start":1757.0901,"end":1757.3301,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20198354125022888},{"word":"you","start":1757.3301,"end":1757.4901,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1859976202249527},{"word":"received","start":1757.4901,"end":1757.9701,"confidence":0.99609375,"punctuated_word":"received","sentiment":"neutral","sentiment_score":0.16017204523086548},{"word":"as","start":1757.9701,"end":1758.13,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19880682229995728},{"word":"well","start":1758.13,"end":1758.63,"confidence":0.8847656,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.12458701431751253},{"word":"and","start":1760.2101,"end":1760.4501,"confidence":0.8105469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03846989572048187},{"word":"then","start":1760.4501,"end":1760.6101,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0435120165348053},{"word":"the","start":1760.6101,"end":1760.77,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03509299084544182},{"word":"next","start":1760.77,"end":1761.01,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.016570139676332474},{"word":"section","start":1761.01,"end":1761.3301,"confidence":1.0,"punctuated_word":"section","sentiment":"neutral","sentiment_score":0.030904991552233696},{"word":"is","start":1761.3301,"end":1761.5701,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.021677862852811813},{"word":"the","start":1761.5701,"end":1761.65,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02191999927163124},{"word":"fees","start":1761.65,"end":1761.9701,"confidence":0.8691406,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.02597927302122116},{"word":"so","start":1761.9701,"end":1762.2101,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05038168653845787},{"word":"this","start":1762.2101,"end":1762.3701,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05837434530258179},{"word":"section","start":1762.3701,"end":1762.8701,"confidence":1.0,"punctuated_word":"section","sentiment":"neutral","sentiment_score":0.07817162573337555},{"word":"is","start":1763.0901,"end":1763.5901,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0697515532374382},{"word":"a","start":1763.7301,"end":1764.2301,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07668957114219666},{"word":"clear","start":1764.4501,"end":1764.9501,"confidence":1.0,"punctuated_word":"clear","sentiment":"neutral","sentiment_score":0.07678203284740448},{"word":"outline","start":1765.01,"end":1765.51,"confidence":1.0,"punctuated_word":"outline","sentiment":"neutral","sentiment_score":0.06701187789440155},{"word":"of","start":1765.65,"end":1765.89,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0435456745326519},{"word":"the","start":1765.89,"end":1766.13,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04067162424325943},{"word":"fees","start":1766.13,"end":1766.63,"confidence":0.9589844,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.05425984039902687},{"word":"being","start":1766.6901,"end":1767.17,"confidence":0.9536133,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.04347684979438782},{"word":"paid","start":1767.17,"end":1767.67,"confidence":0.99560547,"punctuated_word":"paid.","sentiment":"neutral","sentiment_score":0.0575731098651886},{"word":"so","start":1768.165,"end":1768.565,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04507073760032654},{"word":"to","start":1768.565,"end":1768.965,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.043838564306497574},{"word":"implement","start":1768.965,"end":1769.465,"confidence":1.0,"punctuated_word":"implement","sentiment":"neutral","sentiment_score":0.03297852724790573},{"word":"this","start":1769.525,"end":1769.845,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.056608617305755615},{"word":"plan","start":1769.845,"end":1770.345,"confidence":0.9951172,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":0.058316055685281754},{"word":"the","start":1770.485,"end":1770.725,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.035269834101200104},{"word":"fee","start":1770.725,"end":1771.125,"confidence":0.99609375,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.03508128225803375},{"word":"you","start":1771.125,"end":1771.365,"confidence":0.85839844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013902749866247175},{"word":"can","start":1771.365,"end":1771.685,"confidence":1.0,"punctuated_word":"can...","sentiment":"neutral","sentiment_score":0.005508707836270332},{"word":"you","start":1771.685,"end":1771.845,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.0680488646030426},{"word":"will","start":1771.845,"end":1772.345,"confidence":0.9941406,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.06932759284973145},{"word":"incur","start":1772.805,"end":1773.205,"confidence":0.96972656,"punctuated_word":"incur","sentiment":"neutral","sentiment_score":-0.03903116658329964},{"word":"is","start":1773.205,"end":1773.445,"confidence":0.98535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.053480394184589386},{"word":"$1,825","start":1773.445,"end":1775.525,"confidence":0.99815154,"punctuated_word":"$1,825","sentiment":"neutral","sentiment_score":-0.04581831768155098},{"word":"from","start":1775.525,"end":1775.765,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.07070553302764893},{"word":"us","start":1775.765,"end":1776.085,"confidence":0.9038086,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":-0.04493432864546776},{"word":"and","start":1776.085,"end":1776.405,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03944113105535507},{"word":"we","start":1776.405,"end":1776.485,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03747544437646866},{"word":"can","start":1776.485,"end":1776.885,"confidence":0.99902344,"punctuated_word":"can...","sentiment":"neutral","sentiment_score":-0.03296810761094093},{"word":"we","start":1776.885,"end":1777.045,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.0819249376654625},{"word":"will","start":1777.045,"end":1777.285,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.06248333677649498},{"word":"deduct","start":1777.285,"end":1777.765,"confidence":0.9980469,"punctuated_word":"deduct","sentiment":"neutral","sentiment_score":-0.033453840762376785},{"word":"that","start":1777.765,"end":1777.925,"confidence":0.8989258,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07447314262390137},{"word":"from","start":1777.925,"end":1778.165,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.08366216719150543},{"word":"your","start":1778.165,"end":1778.405,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07626332342624664},{"word":"superannuation","start":1778.405,"end":1778.905,"confidence":0.9967448,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.05501293018460274},{"word":"fund","start":1779.285,"end":1779.785,"confidence":0.79345703,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":-0.06097567826509476},{"word":"and","start":1780.5801,"end":1780.8201,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01624518260359764},{"word":"then","start":1780.8201,"end":1781.3201,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.029642807319760323},{"word":"the","start":1781.38,"end":1781.7001,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0207124687731266},{"word":"ongoing","start":1781.7001,"end":1782.2001,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.029910992830991745},{"word":"fee","start":1782.34,"end":1782.66,"confidence":0.99316406,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.03312816843390465},{"word":"is","start":1782.66,"end":1782.9,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01725626364350319},{"word":"set","start":1782.9,"end":1783.14,"confidence":0.9970703,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.023732230067253113},{"word":"at","start":1783.14,"end":1783.38,"confidence":0.9633789,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.004331454634666443},{"word":"1.65%","start":1783.38,"end":1784.9,"confidence":0.99501956,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.027022432535886765},{"word":"of","start":1784.9,"end":1785.06,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014346957206726074},{"word":"your","start":1785.06,"end":1785.38,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.007481344044208527},{"word":"super","start":1785.38,"end":1785.7001,"confidence":0.984375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.018870599567890167},{"word":"balance","start":1785.7001,"end":1786.02,"confidence":0.9020996,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":0.010001739487051964},{"word":"so","start":1786.02,"end":1786.34,"confidence":0.94628906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04533389210700989},{"word":"annually","start":1786.34,"end":1786.8201,"confidence":0.9304199,"punctuated_word":"annually,","sentiment":"neutral","sentiment_score":0.04650318995118141},{"word":"it","start":1786.8201,"end":1786.98,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04061241075396538},{"word":"is","start":1786.98,"end":1787.22,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03841829299926758},{"word":"set","start":1787.22,"end":1787.54,"confidence":0.99902344,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.04412010684609413},{"word":"for","start":1787.54,"end":1787.7001,"confidence":0.9838867,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0252622552216053},{"word":"the","start":1787.7001,"end":1787.86,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01825529709458351},{"word":"next","start":1787.86,"end":1788.1,"confidence":0.9980469,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.00931895151734352},{"word":"twelve","start":1788.1,"end":1788.42,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.005829013884067535},{"word":"months","start":1788.42,"end":1788.74,"confidence":0.9941406,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.008090879768133163},{"word":"to","start":1788.74,"end":1788.9,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01867276057600975},{"word":"be","start":1788.9,"end":1789.14,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.00684342160820961},{"word":"$979","start":1789.14,"end":1791.0,"confidence":0.9025879,"punctuated_word":"$979,","sentiment":"neutral","sentiment_score":0.01317414827644825},{"word":"and","start":1791.22,"end":1791.38,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006315717473626137},{"word":"each","start":1791.38,"end":1791.7001,"confidence":0.9980469,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.004847170785069466},{"word":"twelve","start":1791.7001,"end":1792.02,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.00610998272895813},{"word":"months","start":1792.02,"end":1792.34,"confidence":0.9980469,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.02662385255098343},{"word":"that","start":1792.34,"end":1792.5801,"confidence":0.54589844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03489014506340027},{"word":"is","start":1792.5801,"end":1792.8201,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04721380025148392},{"word":"then","start":1792.8201,"end":1793.3201,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04746854305267334},{"word":"reviewed","start":1793.7001,"end":1794.2001,"confidence":1.0,"punctuated_word":"reviewed","sentiment":"neutral","sentiment_score":0.027989808470010757},{"word":"and","start":1794.505,"end":1794.825,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0011677145957946775},{"word":"reset","start":1794.825,"end":1795.225,"confidence":0.99609375,"punctuated_word":"reset.","sentiment":"neutral","sentiment_score":0.022910403087735176},{"word":"you","start":1795.225,"end":1795.465,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.030239026993513107},{"word":"sign","start":1795.465,"end":1795.625,"confidence":0.9902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.027484536170959473},{"word":"off","start":1795.625,"end":1795.865,"confidence":0.5761719,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.03610074147582054},{"word":"on","start":1795.865,"end":1796.025,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06189744174480438},{"word":"a","start":1796.025,"end":1796.105,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0643492341041565},{"word":"piece","start":1796.105,"end":1796.345,"confidence":1.0,"punctuated_word":"piece","sentiment":"neutral","sentiment_score":0.038854628801345825},{"word":"of","start":1796.345,"end":1796.505,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02651253342628479},{"word":"paper","start":1796.505,"end":1797.005,"confidence":1.0,"punctuated_word":"paper","sentiment":"neutral","sentiment_score":0.03216695785522461},{"word":"confirming","start":1797.7849,"end":1798.265,"confidence":0.82177734,"punctuated_word":"confirming","sentiment":"neutral","sentiment_score":0.03551851958036423},{"word":"that","start":1798.265,"end":1798.505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05744182318449021},{"word":"you","start":1798.505,"end":1798.6649,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05227000266313553},{"word":"wanna","start":1798.6649,"end":1798.985,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.050703417509794235},{"word":"continue","start":1798.985,"end":1799.465,"confidence":0.7003174,"punctuated_word":"continue,","sentiment":"neutral","sentiment_score":0.04721034690737724},{"word":"so","start":1799.465,"end":1799.625,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.011405378580093384},{"word":"it","start":1799.625,"end":1799.7849,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.006461590528488159},{"word":"doesn't","start":1799.7849,"end":1800.265,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.020330604165792465},{"word":"automatically","start":1800.265,"end":1800.765,"confidence":0.9970703,"punctuated_word":"automatically","sentiment":"neutral","sentiment_score":-5.476176738739014e-6},{"word":"roll","start":1800.985,"end":1801.225,"confidence":0.99902344,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":-0.0011129751801490784},{"word":"over","start":1801.225,"end":1801.725,"confidence":0.90625,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":-0.034077100455760956},{"word":"yeah","start":1806.825,"end":1807.325,"confidence":0.9719238,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05170025676488876},{"word":"following","start":1808.13,"end":1808.53,"confidence":0.99902344,"punctuated_word":"Following","sentiment":"neutral","sentiment_score":0.0371984988451004},{"word":"that","start":1808.53,"end":1808.85,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05552620440721512},{"word":"is","start":1808.85,"end":1809.09,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05065957456827164},{"word":"a","start":1809.09,"end":1809.59,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04645473510026932},{"word":"a","start":1809.73,"end":1810.23,"confidence":0.91259766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.036508455872535706},{"word":"outline","start":1810.37,"end":1810.87,"confidence":0.9526367,"punctuated_word":"outline","sentiment":"neutral","sentiment_score":0.050158947706222534},{"word":"of","start":1810.93,"end":1811.41,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03440364822745323},{"word":"our","start":1811.41,"end":1811.91,"confidence":0.9741211,"punctuated_word":"our...","sentiment":"neutral","sentiment_score":0.012884164229035378},{"word":"just","start":1812.37,"end":1812.61,"confidence":1.0,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.01524960994720459},{"word":"a","start":1812.61,"end":1812.6901,"confidence":0.96777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03734724968671799},{"word":"summary","start":1812.6901,"end":1813.17,"confidence":1.0,"punctuated_word":"summary","sentiment":"neutral","sentiment_score":0.04121015220880509},{"word":"again","start":1813.17,"end":1813.49,"confidence":0.91015625,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.060102060437202454},{"word":"of","start":1813.49,"end":1813.73,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04687918722629547},{"word":"the","start":1813.73,"end":1813.97,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03987133502960205},{"word":"costs","start":1813.97,"end":1814.47,"confidence":0.87841797,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":0.07488790899515152},{"word":"and","start":1815.09,"end":1815.59,"confidence":0.6455078,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.08194230496883392},{"word":"additionally","start":1815.81,"end":1816.31,"confidence":0.99902344,"punctuated_word":"additionally,","sentiment":"neutral","sentiment_score":0.0891912579536438},{"word":"how","start":1816.6901,"end":1816.93,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.10242695361375807},{"word":"to","start":1816.93,"end":1817.17,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12396280467510223},{"word":"implement","start":1817.17,"end":1817.5701,"confidence":1.0,"punctuated_word":"implement","sentiment":"neutral","sentiment_score":0.0635947585105896},{"word":"our","start":1817.5701,"end":1817.81,"confidence":0.9951172,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.12077181041240692},{"word":"advice","start":1817.81,"end":1818.05,"confidence":0.8486328,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.12807200849056244},{"word":"so","start":1818.05,"end":1818.21,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1513272076845169},{"word":"it's","start":1818.21,"end":1818.37,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1943303793668747},{"word":"a","start":1818.37,"end":1818.53,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19369253516197205},{"word":"step","start":1818.53,"end":1818.77,"confidence":1.0,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.19121186435222623},{"word":"by","start":1818.77,"end":1818.93,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.158005028963089},{"word":"step","start":1818.93,"end":1819.25,"confidence":1.0,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.15879559516906738},{"word":"process","start":1819.25,"end":1819.65,"confidence":1.0,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.16766464710235596},{"word":"of","start":1819.65,"end":1819.81,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2030389904975891},{"word":"all","start":1819.81,"end":1820.05,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.18410372734069824},{"word":"the","start":1820.05,"end":1820.13,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15127399563789368},{"word":"things","start":1820.13,"end":1820.4501,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.14353027939796448},{"word":"that","start":1820.4501,"end":1820.6901,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11618508398532867},{"word":"need","start":1820.6901,"end":1820.93,"confidence":0.9951172,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.11716336011886597},{"word":"to","start":1820.93,"end":1821.01,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1289057731628418},{"word":"be","start":1821.01,"end":1821.25,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12026195973157884},{"word":"done","start":1821.25,"end":1821.75,"confidence":0.9995117,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.10248512029647829},{"word":"the","start":1822.925,"end":1823.425,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.08407119661569595},{"word":"last","start":1823.5651,"end":1824.0651,"confidence":0.99609375,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.10518741607666016},{"word":"page","start":1824.925,"end":1825.425,"confidence":0.99609375,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.12439004331827164},{"word":"requires","start":1825.5651,"end":1826.0651,"confidence":0.99902344,"punctuated_word":"requires","sentiment":"neutral","sentiment_score":0.09381115436553956},{"word":"your","start":1826.4451,"end":1826.765,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0798271894454956},{"word":"signature","start":1826.765,"end":1827.245,"confidence":0.907959,"punctuated_word":"signature.","sentiment":"neutral","sentiment_score":0.05084621161222458},{"word":"so","start":1827.245,"end":1827.405,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09902018308639526},{"word":"when","start":1827.405,"end":1827.5651,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.17714108526706696},{"word":"you've","start":1827.5651,"end":1827.805,"confidence":0.7973633,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.15769289433956146},{"word":"read","start":1827.805,"end":1828.045,"confidence":0.99902344,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.15531432628631592},{"word":"it","start":1828.045,"end":1828.365,"confidence":0.99609375,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.18758825957775116},{"word":"you've","start":1828.365,"end":1828.685,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.23927299678325653},{"word":"asked","start":1828.685,"end":1828.925,"confidence":0.9980469,"punctuated_word":"asked","sentiment":"neutral","sentiment_score":0.30212822556495667},{"word":"any","start":1828.925,"end":1829.165,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.28998538851737976},{"word":"questions","start":1829.165,"end":1829.665,"confidence":0.9628906,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.3239126205444336},{"word":"you're","start":1829.725,"end":1829.965,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.33702218532562256},{"word":"happy","start":1829.965,"end":1830.465,"confidence":0.94018555,"punctuated_word":"happy,","sentiment":"positive","sentiment_score":0.3721901476383209},{"word":"whatever","start":1830.765,"end":1831.085,"confidence":0.99902344,"punctuated_word":"whatever","sentiment":"positive","sentiment_score":0.41070419549942017},{"word":"it","start":1831.085,"end":1831.245,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3763394355773926},{"word":"is","start":1831.245,"end":1831.405,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2718946933746338},{"word":"that","start":1831.405,"end":1831.5651,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3647465109825134},{"word":"you","start":1831.5651,"end":1831.725,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3821103870868683},{"word":"decide","start":1831.725,"end":1832.225,"confidence":0.97998047,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.30511823296546936},{"word":"to","start":1832.285,"end":1832.4451,"confidence":0.94921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19172830879688263},{"word":"do","start":1832.4451,"end":1832.9451,"confidence":0.84472656,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.2171206772327423},{"word":"you","start":1833.245,"end":1833.485,"confidence":0.68310547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19083650410175323},{"word":"would","start":1833.485,"end":1833.725,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11418453603982924},{"word":"sign","start":1833.725,"end":1834.045,"confidence":0.9980469,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.07066337764263153},{"word":"that","start":1834.045,"end":1834.285,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10164107382297516},{"word":"page","start":1834.285,"end":1834.685,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.08670297265052795},{"word":"and","start":1834.685,"end":1834.925,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08775065839290619},{"word":"date","start":1834.925,"end":1835.245,"confidence":0.98535156,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.1048993170261383},{"word":"it","start":1835.245,"end":1835.485,"confidence":0.83691406,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.09819937497377396},{"word":"and","start":1835.485,"end":1835.645,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11230286955833436},{"word":"you'll","start":1835.645,"end":1835.885,"confidence":0.9975586,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.10358669608831406},{"word":"note","start":1835.885,"end":1836.045,"confidence":0.99609375,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.08169655501842499},{"word":"that","start":1836.045,"end":1836.285,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09586048126220705},{"word":"there's","start":1836.285,"end":1836.525,"confidence":0.9970703,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.08003900945186615},{"word":"a","start":1836.525,"end":1836.765,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06294144690036774},{"word":"spare","start":1836.765,"end":1837.165,"confidence":0.9951172,"punctuated_word":"spare","sentiment":"neutral","sentiment_score":0.04482470452785492},{"word":"box","start":1837.165,"end":1837.5,"confidence":0.99902344,"punctuated_word":"box","sentiment":"neutral","sentiment_score":0.04945293068885803},{"word":"above","start":1837.82,"end":1838.32,"confidence":0.9890137,"punctuated_word":"above.","sentiment":"neutral","sentiment_score":0.03990791365504265},{"word":"if","start":1838.78,"end":1838.94,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.02018525078892708},{"word":"there","start":1838.94,"end":1839.18,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.013355450704693794},{"word":"was","start":1839.18,"end":1839.42,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.00940302200615406},{"word":"an","start":1839.42,"end":1839.74,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.0005952846258878708},{"word":"air","start":1839.74,"end":1840.06,"confidence":0.7089844,"punctuated_word":"air...","sentiment":"neutral","sentiment_score":-0.0006998814642429352},{"word":"if","start":1840.06,"end":1840.22,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.06947513669729233},{"word":"there","start":1840.22,"end":1840.38,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.05524132028222084},{"word":"was","start":1840.38,"end":1840.62,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06695391237735748},{"word":"something","start":1840.62,"end":1840.94,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.06780287623405457},{"word":"you","start":1840.94,"end":1841.18,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08480548858642578},{"word":"did","start":1841.18,"end":1841.34,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.0944329798221588},{"word":"not","start":1841.34,"end":1841.5,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.11945559084415436},{"word":"wish","start":1841.5,"end":1841.82,"confidence":1.0,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":-0.13326485455036163},{"word":"to","start":1841.82,"end":1841.98,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13434818387031555},{"word":"proceed","start":1841.98,"end":1842.3,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":-0.11121268570423126},{"word":"with","start":1842.3,"end":1842.7,"confidence":0.99658203,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":-0.1318834125995636},{"word":"that's","start":1842.7,"end":1842.94,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1225699782371521},{"word":"where","start":1842.94,"end":1843.26,"confidence":0.9951172,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.07938583940267563},{"word":"you'd","start":1843.26,"end":1843.5,"confidence":0.98339844,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.04886065423488617},{"word":"type","start":1843.5,"end":1843.82,"confidence":0.9970703,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.047099433839321136},{"word":"it","start":1843.82,"end":1843.98,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.07275716960430145},{"word":"so","start":1843.98,"end":1844.3,"confidence":0.767334,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.02133517526090145},{"word":"for","start":1844.3,"end":1844.46,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.03851564973592758},{"word":"example","start":1844.46,"end":1844.96,"confidence":0.9995117,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":-0.021886158734560013},{"word":"if","start":1846.22,"end":1846.46,"confidence":0.8540039,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.01775534264743328},{"word":"you","start":1846.46,"end":1846.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0026870667934417725},{"word":"decided","start":1847.82,"end":1848.3,"confidence":0.9951172,"punctuated_word":"decided","sentiment":"neutral","sentiment_score":0.001080743968486786},{"word":"you","start":1848.3,"end":1848.46,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.009513869881629944},{"word":"didn't","start":1848.46,"end":1848.78,"confidence":0.93237305,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.0029908008873462677},{"word":"want","start":1848.78,"end":1848.94,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.013202428817749023},{"word":"to","start":1848.94,"end":1849.18,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002316512167453766},{"word":"nominate","start":1849.18,"end":1849.5,"confidence":0.9589844,"punctuated_word":"nominate","sentiment":"neutral","sentiment_score":0.03454623371362686},{"word":"your","start":1849.5,"end":1849.74,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.011775605380535126},{"word":"daughter","start":1849.74,"end":1849.98,"confidence":0.9970703,"punctuated_word":"daughter","sentiment":"neutral","sentiment_score":0.003235645592212677},{"word":"as","start":1849.98,"end":1850.14,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03830545395612717},{"word":"your","start":1850.14,"end":1850.3,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.006260231137275696},{"word":"beneficiary","start":1850.3,"end":1850.8,"confidence":0.9785156,"punctuated_word":"beneficiary,","sentiment":"neutral","sentiment_score":0.02477790042757988},{"word":"you","start":1851.02,"end":1851.1,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01815184205770493},{"word":"wanted","start":1851.1,"end":1851.42,"confidence":0.98095703,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.009285718202590942},{"word":"it","start":1851.42,"end":1851.58,"confidence":0.8017578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.009276367723941805},{"word":"to","start":1851.58,"end":1851.74,"confidence":0.90771484,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.030926596373319622},{"word":"pay","start":1851.74,"end":1851.9,"confidence":0.58496094,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.014202825725078584},{"word":"your","start":1851.9,"end":1852.22,"confidence":0.98535156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.014770373702049255},{"word":"estate","start":1852.22,"end":1852.62,"confidence":0.92822266,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.021327033638954163},{"word":"instead","start":1852.62,"end":1853.12,"confidence":0.98950195,"punctuated_word":"instead,","sentiment":"neutral","sentiment_score":-0.005146458745002747},{"word":"that's","start":1853.2849,"end":1853.445,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.00989538710564375},{"word":"where","start":1853.445,"end":1853.605,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.002416267991065979},{"word":"you'd","start":1853.605,"end":1853.9249,"confidence":0.904541,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.0013678621035069227},{"word":"type","start":1853.9249,"end":1854.245,"confidence":0.99902344,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.008349481970071793},{"word":"it","start":1854.245,"end":1854.565,"confidence":0.8322754,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.011702129617333412},{"word":"so","start":1854.565,"end":1854.885,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.001505453139543533},{"word":"any","start":1854.885,"end":1855.205,"confidence":0.9941406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.006325460970401764},{"word":"changes","start":1855.205,"end":1855.605,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.02496444433927536},{"word":"to","start":1855.605,"end":1855.765,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0006057955324649811},{"word":"the","start":1855.765,"end":1856.005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0011012926697731018},{"word":"advice","start":1856.005,"end":1856.505,"confidence":0.9338379,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.0003973376005887985},{"word":"and","start":1857.765,"end":1857.9249,"confidence":0.9838867,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.026590576395392414},{"word":"the","start":1857.9249,"end":1858.005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02084444649517536},{"word":"last","start":1858.005,"end":1858.505,"confidence":1.0,"punctuated_word":"last...","sentiment":"neutral","sentiment_score":0.012178495526313782},{"word":"yeah","start":1859.765,"end":1860.005,"confidence":0.7553711,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11358440667390823},{"word":"and","start":1860.005,"end":1860.1649,"confidence":0.9863281,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12094928324222563},{"word":"the","start":1860.1649,"end":1860.245,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1130036562681198},{"word":"last","start":1860.245,"end":1860.565,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.10489882528781892},{"word":"page","start":1860.565,"end":1860.965,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.11066554486751556},{"word":"is","start":1860.965,"end":1861.365,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1336434781551361},{"word":"my","start":1861.365,"end":1861.6849,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1170019805431366},{"word":"advice","start":1861.6849,"end":1862.1649,"confidence":0.9921875,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1125018149614334},{"word":"declaration","start":1862.1649,"end":1862.6649,"confidence":0.80249023,"punctuated_word":"declaration.","sentiment":"neutral","sentiment_score":0.13000816106796265},{"word":"so","start":1862.725,"end":1862.965,"confidence":0.97265625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16131064295768738},{"word":"just","start":1862.965,"end":1863.2849,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2031153440475464},{"word":"explaining","start":1863.2849,"end":1863.7849,"confidence":0.9980469,"punctuated_word":"explaining","sentiment":"neutral","sentiment_score":0.1828370839357376},{"word":"that","start":1863.9249,"end":1864.4249,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19405603408813477},{"word":"it's","start":1866.005,"end":1866.4049,"confidence":0.97094727,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19457590579986572},{"word":"accurate","start":1866.4049,"end":1866.9049,"confidence":0.9194336,"punctuated_word":"accurate.","sentiment":"neutral","sentiment_score":0.1921223551034927},{"word":"i","start":1868.29,"end":1868.4501,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1463804543018341},{"word":"am","start":1868.4501,"end":1868.9501,"confidence":0.99609375,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.13882611691951752},{"word":"authorized","start":1869.01,"end":1869.51,"confidence":0.76000977,"punctuated_word":"authorized,","sentiment":"neutral","sentiment_score":0.14870372414588928},{"word":"all","start":1870.6901,"end":1870.93,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.10686948895454408},{"word":"those","start":1870.93,"end":1871.25,"confidence":0.9970703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.10298213362693788},{"word":"sorts","start":1871.25,"end":1871.49,"confidence":0.9902344,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.07989370822906494},{"word":"of","start":1871.49,"end":1871.65,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.016253400593996048},{"word":"things","start":1871.65,"end":1872.15,"confidence":0.9946289,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.02834492176771164},{"word":"and","start":1874.53,"end":1874.77,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.028031088411808017},{"word":"the","start":1874.77,"end":1874.93,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02210448682308197},{"word":"last","start":1874.93,"end":1875.25,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.015290219336748123},{"word":"document","start":1875.25,"end":1875.7301,"confidence":0.9970703,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.006792677566409111},{"word":"that","start":1875.7301,"end":1875.89,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006753251887857914},{"word":"i","start":1875.89,"end":1876.39,"confidence":0.9941406,"punctuated_word":"I...","sentiment":"neutral","sentiment_score":0.0033769772853702307},{"word":"sorry","start":1877.25,"end":1877.75,"confidence":0.96972656,"punctuated_word":"Sorry?","sentiment":"neutral","sentiment_score":-0.12682987749576569},{"word":"the","start":1881.195,"end":1881.355,"confidence":0.9560547,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.023978877812623978},{"word":"last","start":1881.355,"end":1881.515,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.03205756098031998},{"word":"one","start":1881.515,"end":1881.835,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0327286571264267},{"word":"is","start":1881.835,"end":1881.995,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04870211333036423},{"word":"just","start":1881.995,"end":1882.1549,"confidence":0.91845703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06059465929865837},{"word":"the","start":1882.1549,"end":1882.315,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06851166486740112},{"word":"appendix","start":1882.315,"end":1882.7949,"confidence":0.99902344,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":0.05397727340459824},{"word":"to","start":1882.7949,"end":1882.955,"confidence":0.8984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06481948494911194},{"word":"the","start":1882.955,"end":1883.0349,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05555228143930435},{"word":"statement","start":1883.0349,"end":1883.4349,"confidence":0.99902344,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.0821172222495079},{"word":"of","start":1883.4349,"end":1883.6749,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07813287526369095},{"word":"advice","start":1883.6749,"end":1884.1549,"confidence":0.92089844,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.06190123036503792},{"word":"so","start":1884.1549,"end":1884.635,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07016487419605255},{"word":"just","start":1884.635,"end":1884.875,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0926462858915329},{"word":"to","start":1884.875,"end":1885.0349,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07410313934087753},{"word":"run","start":1885.0349,"end":1885.195,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.074307382106781},{"word":"over","start":1885.195,"end":1885.4349,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.09881486743688583},{"word":"this","start":1885.4349,"end":1885.6749,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08856882899999619},{"word":"one","start":1885.6749,"end":1885.9149,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.09463436156511308},{"word":"quickly","start":1885.9149,"end":1886.4149,"confidence":0.93310547,"punctuated_word":"quickly,","sentiment":"neutral","sentiment_score":0.08196717500686646},{"word":"table","start":1887.515,"end":1887.835,"confidence":0.9560547,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.11719194054603577},{"word":"of","start":1887.835,"end":1888.075,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07752920687198639},{"word":"contents","start":1888.075,"end":1888.575,"confidence":0.8664551,"punctuated_word":"contents.","sentiment":"neutral","sentiment_score":0.06674434244632721},{"word":"the","start":1888.7949,"end":1889.0349,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.07741058617830276},{"word":"first","start":1889.0349,"end":1889.5349,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.06610364466905594},{"word":"the","start":1889.755,"end":1889.995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08037374168634415},{"word":"first","start":1889.995,"end":1890.315,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.05415689945220947},{"word":"page","start":1890.315,"end":1890.635,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.07599446177482605},{"word":"is","start":1890.635,"end":1890.875,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09162415564060213},{"word":"the","start":1890.875,"end":1891.0349,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09372496604919434},{"word":"risk","start":1891.0349,"end":1891.2749,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.044437143951654434},{"word":"profile","start":1891.2749,"end":1891.755,"confidence":0.72631836,"punctuated_word":"profile,","sentiment":"neutral","sentiment_score":0.062615305185318},{"word":"so","start":1891.755,"end":1891.9149,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07487049698829651},{"word":"it","start":1891.9149,"end":1892.075,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08141066133975983},{"word":"shows","start":1892.075,"end":1892.3949,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.07250787317752838},{"word":"the","start":1892.3949,"end":1892.5549,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0480179637670517},{"word":"different","start":1892.5549,"end":1892.875,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.05729733407497406},{"word":"types","start":1892.875,"end":1893.115,"confidence":1.0,"punctuated_word":"types","sentiment":"neutral","sentiment_score":0.02140410616993904},{"word":"of","start":1893.115,"end":1893.2749,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.054655592888593674},{"word":"risk","start":1893.2749,"end":1893.515,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.03616371378302574},{"word":"profiles","start":1893.515,"end":1894.015,"confidence":0.9980469,"punctuated_word":"profiles","sentiment":"neutral","sentiment_score":0.03803422302007675},{"word":"that","start":1894.075,"end":1894.235,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08990376442670822},{"word":"we","start":1894.235,"end":1894.5549,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07544679939746857},{"word":"act","start":1894.5549,"end":1894.92,"confidence":0.98095703,"punctuated_word":"act","sentiment":"neutral","sentiment_score":0.07443340122699738},{"word":"by","start":1895.7201,"end":1896.12,"confidence":0.9182129,"punctuated_word":"by.","sentiment":"neutral","sentiment_score":0.07901289314031601},{"word":"so","start":1896.12,"end":1896.2001,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09150350093841551},{"word":"you'll","start":1896.2001,"end":1896.4401,"confidence":0.9951172,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.10674987733364104},{"word":"see","start":1896.4401,"end":1896.6001,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1049237623810768},{"word":"your","start":1896.6001,"end":1896.8401,"confidence":0.9790039,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09201636910438538},{"word":"high","start":1896.8401,"end":1897.0,"confidence":0.99609375,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.11629416793584824},{"word":"growth","start":1897.0,"end":1897.3201,"confidence":0.9951172,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.14582104980945587},{"word":"one","start":1897.3201,"end":1897.56,"confidence":0.99316406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07746411114931107},{"word":"is","start":1897.56,"end":1897.8,"confidence":0.9819336,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11983706057071686},{"word":"there","start":1897.8,"end":1898.12,"confidence":0.9707031,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.11401067674160004},{"word":"on","start":1898.12,"end":1898.62,"confidence":0.984375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09834381937980652},{"word":"the","start":1898.68,"end":1899.18,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08184340596199036},{"word":"second","start":1899.88,"end":1900.28,"confidence":0.9980469,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.07778087258338928},{"word":"last","start":1900.28,"end":1900.78,"confidence":0.8720703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.03814459592103958},{"word":"left","start":1901.0,"end":1901.24,"confidence":0.92333984,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.039978284388780594},{"word":"hand","start":1901.24,"end":1901.56,"confidence":0.99609375,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":0.04843517765402794},{"word":"side","start":1901.56,"end":1901.8,"confidence":0.5366211,"punctuated_word":"side...","sentiment":"neutral","sentiment_score":0.02735484391450882},{"word":"right","start":1901.8,"end":1902.04,"confidence":1.0,"punctuated_word":"Right","sentiment":"neutral","sentiment_score":0.04573824256658554},{"word":"hand","start":1902.04,"end":1902.28,"confidence":0.99902344,"punctuated_word":"hand","sentiment":"neutral","sentiment_score":0.04227162152528763},{"word":"side","start":1902.28,"end":1902.4401,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.04741828888654709},{"word":"of","start":1902.4401,"end":1902.52,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0408254936337471},{"word":"the","start":1902.52,"end":1902.68,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03208498656749725},{"word":"column","start":1902.68,"end":1903.18,"confidence":0.7302246,"punctuated_word":"column,","sentiment":"neutral","sentiment_score":0.031534817069768906},{"word":"and","start":1905.64,"end":1905.88,"confidence":0.9560547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.046308062970638275},{"word":"then","start":1905.88,"end":1906.38,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.059084370732307434},{"word":"important","start":1906.6001,"end":1907.1001,"confidence":0.9921875,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.07146720588207245},{"word":"relationships","start":1907.16,"end":1907.66,"confidence":0.9970703,"punctuated_word":"relationships","sentiment":"neutral","sentiment_score":0.0867878645658493},{"word":"and","start":1907.7201,"end":1907.88,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1224353164434433},{"word":"information","start":1907.88,"end":1908.38,"confidence":0.9873047,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.1014864593744278},{"word":"so","start":1908.4401,"end":1908.68,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11855970323085784},{"word":"probably","start":1908.68,"end":1909.16,"confidence":0.8076172,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.15776440501213074},{"word":"one","start":1909.16,"end":1909.4,"confidence":0.89453125,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.10643161833286284},{"word":"of","start":1909.4,"end":1909.56,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10684587806463242},{"word":"the","start":1909.56,"end":1910.06,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1062278151512146},{"word":"the","start":1910.595,"end":1910.755,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1158464103937149},{"word":"most","start":1910.755,"end":1911.155,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.10581330955028534},{"word":"important","start":1911.155,"end":1911.635,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.08781108260154724},{"word":"sections","start":1911.635,"end":1912.135,"confidence":0.99902344,"punctuated_word":"sections","sentiment":"neutral","sentiment_score":0.1314876526594162},{"word":"of","start":1912.195,"end":1912.355,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09150569885969162},{"word":"this","start":1912.355,"end":1912.755,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.11407890170812608},{"word":"is","start":1912.755,"end":1912.995,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1279381513595581},{"word":"the","start":1912.995,"end":1913.155,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14829620718955994},{"word":"currency","start":1913.155,"end":1913.5549,"confidence":0.9980469,"punctuated_word":"currency","sentiment":"neutral","sentiment_score":0.11638382822275162},{"word":"of","start":1913.5549,"end":1913.715,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1301768571138382},{"word":"the","start":1913.715,"end":1913.875,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12345676124095915},{"word":"soa","start":1913.875,"end":1914.375,"confidence":0.84440106,"punctuated_word":"SOA.","sentiment":"neutral","sentiment_score":0.1143573522567749},{"word":"so","start":1914.4349,"end":1914.595,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07667949795722961},{"word":"we","start":1914.595,"end":1914.835,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.081386499106884},{"word":"need","start":1914.835,"end":1915.235,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.08090633898973465},{"word":"you","start":1915.235,"end":1915.635,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07743607461452484},{"word":"to","start":1915.635,"end":1915.955,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.061291635036468506},{"word":"sign","start":1915.955,"end":1916.275,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.03728455677628517},{"word":"it","start":1916.275,"end":1916.4349,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04458639398217201},{"word":"if","start":1916.4349,"end":1916.595,"confidence":0.8745117,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.047623082995414734},{"word":"you","start":1916.595,"end":1916.6749,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.046046119183301926},{"word":"wish","start":1916.6749,"end":1916.915,"confidence":1.0,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":0.04014039039611816},{"word":"to","start":1916.915,"end":1917.075,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04783925786614418},{"word":"proceed","start":1917.075,"end":1917.5549,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.061622872948646545},{"word":"within","start":1917.5549,"end":1918.035,"confidence":0.99609375,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.026807934045791623},{"word":"sixty","start":1918.035,"end":1918.4349,"confidence":0.99902344,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.011120498180389404},{"word":"days","start":1918.4349,"end":1918.9349,"confidence":0.9980469,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.005269363522529602},{"word":"as","start":1919.715,"end":1920.215,"confidence":0.54003906,"punctuated_word":"as...","sentiment":"neutral","sentiment_score":-0.005116262007504702},{"word":"the","start":1920.995,"end":1921.155,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.07605943828821182},{"word":"reason","start":1921.155,"end":1921.5549,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.07703252136707306},{"word":"being","start":1921.5549,"end":1921.875,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.09236010909080504},{"word":"is","start":1921.875,"end":1922.035,"confidence":0.97802734,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09080101549625395},{"word":"people's","start":1922.035,"end":1922.515,"confidence":0.9682617,"punctuated_word":"people's","sentiment":"neutral","sentiment_score":-0.16453175246715546},{"word":"situations","start":1922.515,"end":1923.015,"confidence":0.98828125,"punctuated_word":"situations","sentiment":"neutral","sentiment_score":-0.1819672733545303},{"word":"can","start":1923.235,"end":1923.475,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.13976147770881653},{"word":"change","start":1923.475,"end":1923.715,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.15779413282871246},{"word":"in","start":1923.715,"end":1923.955,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16338935494422913},{"word":"that","start":1923.955,"end":1924.195,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15559983253479004},{"word":"time","start":1924.195,"end":1924.4349,"confidence":0.9770508,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.15518547594547272},{"word":"frame","start":1924.4349,"end":1924.915,"confidence":0.99609375,"punctuated_word":"frame.","sentiment":"neutral","sentiment_score":-0.1755424737930298},{"word":"so","start":1924.915,"end":1925.415,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1009683907032013},{"word":"after","start":1926.45,"end":1926.85,"confidence":0.9980469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.14576075971126556},{"word":"sixty","start":1926.85,"end":1927.35,"confidence":0.9970703,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":-0.11800147593021391},{"word":"days","start":1927.41,"end":1927.8099,"confidence":0.9921875,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":-0.11705618351697922},{"word":"we","start":1927.8099,"end":1928.05,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11596862971782684},{"word":"just","start":1928.05,"end":1928.29,"confidence":0.7783203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10218166559934616},{"word":"need","start":1928.29,"end":1928.45,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.13110199570655823},{"word":"to","start":1928.45,"end":1928.61,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1377888321876526},{"word":"redo","start":1928.61,"end":1929.01,"confidence":0.99902344,"punctuated_word":"redo","sentiment":"neutral","sentiment_score":-0.12402695417404176},{"word":"the","start":1929.01,"end":1929.17,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10612139105796814},{"word":"process","start":1929.17,"end":1929.57,"confidence":1.0,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.05813589319586754},{"word":"again","start":1929.57,"end":1930.07,"confidence":0.9980469,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.08249759674072266},{"word":"there's","start":1931.57,"end":1932.07,"confidence":0.508667,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.08783530443906784},{"word":"there's","start":1932.37,"end":1932.87,"confidence":0.9519043,"punctuated_word":"there's...","sentiment":"neutral","sentiment_score":-0.12774594128131866},{"word":"yep","start":1933.65,"end":1934.15,"confidence":0.9873047,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0403958261013031},{"word":"there's","start":1934.29,"end":1934.61,"confidence":0.99853516,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.1990797519683838},{"word":"no","start":1934.61,"end":1934.77,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.25205063819885254},{"word":"product","start":1934.77,"end":1935.17,"confidence":0.99609375,"punctuated_word":"product","sentiment":"negative","sentiment_score":-0.36730509996414185},{"word":"guarantee","start":1935.17,"end":1935.67,"confidence":0.6166992,"punctuated_word":"guarantee,","sentiment":"neutral","sentiment_score":-0.24099446833133695},{"word":"so","start":1935.73,"end":1935.89,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.22015628218650815},{"word":"we","start":1935.89,"end":1936.13,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2388910949230194},{"word":"obviously","start":1936.13,"end":1936.61,"confidence":0.8881836,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.27880749106407166},{"word":"can't","start":1936.61,"end":1937.11,"confidence":0.9970703,"punctuated_word":"can't,","sentiment":"neutral","sentiment_score":-0.20267410576343536},{"word":"you","start":1937.25,"end":1937.33,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2442491054534912},{"word":"know","start":1937.33,"end":1937.8099,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.22648605704307556},{"word":"say","start":1937.8099,"end":1938.3099,"confidence":0.95947266,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.12664984166622162},{"word":"it's","start":1938.45,"end":1938.825,"confidence":0.9526367,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.21150514483451843},{"word":"gonna","start":1939.3049,"end":1939.5449,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.21119624376296997},{"word":"be","start":1939.5449,"end":1939.7849,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2630273997783661},{"word":"great","start":1939.7849,"end":1940.105,"confidence":1.0,"punctuated_word":"great","sentiment":"neutral","sentiment_score":-0.06146550178527832},{"word":"forever","start":1940.105,"end":1940.605,"confidence":0.9123535,"punctuated_word":"forever.","sentiment":"neutral","sentiment_score":-0.08889101445674896},{"word":"but","start":1941.865,"end":1942.0249,"confidence":0.81591797,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.055998533964157104},{"word":"that's","start":1942.0249,"end":1942.345,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.04668214172124863},{"word":"the","start":1942.345,"end":1942.505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019669480621814728},{"word":"purpose","start":1942.505,"end":1942.985,"confidence":1.0,"punctuated_word":"purpose","sentiment":"neutral","sentiment_score":-0.07321478426456451},{"word":"of","start":1942.985,"end":1943.465,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.026771344244480133},{"word":"our","start":1943.465,"end":1943.965,"confidence":0.9970703,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.035443373024463654},{"word":"reviews","start":1944.2649,"end":1944.7649,"confidence":0.9980469,"punctuated_word":"reviews","sentiment":"neutral","sentiment_score":-0.0005099847912788391},{"word":"where","start":1944.825,"end":1945.065,"confidence":0.56591797,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.005501985549926758},{"word":"we","start":1945.065,"end":1945.5449,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.013273462653160095},{"word":"review","start":1945.5449,"end":1946.0249,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.022794902324676514},{"word":"regularly","start":1946.0249,"end":1946.5249,"confidence":0.986084,"punctuated_word":"regularly,","sentiment":"neutral","sentiment_score":-0.014821700751781464},{"word":"make","start":1946.985,"end":1947.225,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.06351600587368011},{"word":"changes","start":1947.225,"end":1947.725,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.02752609550952911},{"word":"where","start":1947.7849,"end":1948.0249,"confidence":0.96777344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.060339584946632385},{"word":"required","start":1948.0249,"end":1948.5249,"confidence":1.0,"punctuated_word":"required.","sentiment":"neutral","sentiment_score":-0.04791652783751488},{"word":"there's","start":1952.745,"end":1953.065,"confidence":0.92211914,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.18892920017242432},{"word":"also","start":1953.065,"end":1953.565,"confidence":0.99609375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.19451718032360077},{"word":"investment","start":1953.705,"end":1954.205,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.13752159476280212},{"word":"links","start":1954.345,"end":1954.8,"confidence":0.9921875,"punctuated_word":"links","sentiment":"neutral","sentiment_score":0.1543981283903122},{"word":"to","start":1954.9601,"end":1955.28,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1708734929561615},{"word":"the","start":1955.28,"end":1955.4401,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14862078428268433},{"word":"recommended","start":1955.4401,"end":1955.9401,"confidence":1.0,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.1466520130634308},{"word":"investment","start":1956.0,"end":1956.5,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.11061427742242812},{"word":"options","start":1956.64,"end":1957.14,"confidence":0.876709,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.12306314706802368},{"word":"so","start":1957.28,"end":1957.6001,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10591176152229308},{"word":"if","start":1957.6001,"end":1957.8401,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08101169764995575},{"word":"you","start":1957.8401,"end":1958.0,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05863440781831741},{"word":"have","start":1958.0,"end":1958.24,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.018531017005443573},{"word":"trouble","start":1958.24,"end":1958.74,"confidence":1.0,"punctuated_word":"trouble","sentiment":"neutral","sentiment_score":-0.05707339942455292},{"word":"sleeping","start":1958.9601,"end":1959.4401,"confidence":0.99194336,"punctuated_word":"sleeping,","sentiment":"neutral","sentiment_score":-0.04255227744579315},{"word":"have","start":1959.4401,"end":1959.56,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.021226003766059875},{"word":"a","start":1959.56,"end":1959.68,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.023814577609300613},{"word":"rate","start":1959.68,"end":1959.92,"confidence":0.5288086,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.024102814495563507},{"word":"of","start":1959.92,"end":1960.0801,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028576433658599857},{"word":"those","start":1960.0801,"end":1960.5801,"confidence":0.9211426,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.03843603655695915},{"word":"and","start":1961.2001,"end":1961.4401,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.025144129991531372},{"word":"then","start":1961.4401,"end":1961.9401,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.027956724166870117},{"word":"and","start":1963.68,"end":1963.92,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013449149206280708},{"word":"then","start":1963.92,"end":1964.0801,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02239895984530449},{"word":"we've","start":1964.0801,"end":1964.4,"confidence":0.98950195,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.007428877055644989},{"word":"had","start":1964.4,"end":1964.64,"confidence":0.9951172,"punctuated_word":"had...","sentiment":"neutral","sentiment_score":0.006907653529196978},{"word":"we've","start":1964.64,"end":1964.88,"confidence":0.9980469,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.10223893821239471},{"word":"completed","start":1964.88,"end":1965.38,"confidence":0.99902344,"punctuated_word":"completed","sentiment":"neutral","sentiment_score":0.10107891261577606},{"word":"a","start":1965.4401,"end":1965.52,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1192203164100647},{"word":"like","start":1965.52,"end":1965.76,"confidence":0.97998047,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1171303391456604},{"word":"for","start":1965.76,"end":1965.92,"confidence":0.9770508,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11972326040267944},{"word":"like","start":1965.92,"end":1966.16,"confidence":0.9873047,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.14986786246299744},{"word":"for","start":1966.16,"end":1966.3201,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20299428701400757},{"word":"you","start":1966.3201,"end":1966.4801,"confidence":0.9794922,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1383179873228073},{"word":"so","start":1966.4801,"end":1966.64,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14656464755535126},{"word":"if","start":1966.64,"end":1966.8,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16337506473064425},{"word":"you","start":1966.8,"end":1966.88,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19971147179603577},{"word":"stay","start":1966.88,"end":1967.12,"confidence":0.9980469,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.20221583545207977},{"word":"with","start":1967.12,"end":1967.28,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13299433887004852},{"word":"hesta","start":1967.28,"end":1967.76,"confidence":0.8100586,"punctuated_word":"HESTA","sentiment":"neutral","sentiment_score":0.10849960148334505},{"word":"and","start":1967.76,"end":1968.0,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10145429521799088},{"word":"go","start":1968.0,"end":1968.16,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1716027706861496},{"word":"for","start":1968.16,"end":1968.4,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15798217058181763},{"word":"a","start":1968.4,"end":1968.4801,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14064115285873413},{"word":"high","start":1968.4801,"end":1968.7201,"confidence":0.9941406,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.12784424424171448},{"word":"growth","start":1968.7201,"end":1969.04,"confidence":0.96533203,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.15474911034107208},{"word":"option","start":1969.04,"end":1969.54,"confidence":0.99902344,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.13593731820583344},{"word":"versus","start":1970.595,"end":1971.075,"confidence":0.9980469,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":0.11139024794101716},{"word":"the","start":1971.075,"end":1971.315,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09496332705020905},{"word":"recommended","start":1971.315,"end":1971.815,"confidence":0.99902344,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.0915449857711792},{"word":"hub","start":1971.955,"end":1972.115,"confidence":0.5415039,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.0958922952413559},{"word":"24","start":1972.115,"end":1972.9349,"confidence":0.8424072,"punctuated_word":"24,","sentiment":"neutral","sentiment_score":0.09119747579097748},{"word":"what","start":1973.315,"end":1973.5549,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09001553803682327},{"word":"i've","start":1973.5549,"end":1973.795,"confidence":0.954834,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.12253665924072266},{"word":"recommended","start":1973.795,"end":1974.275,"confidence":0.9970703,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.13512226939201355},{"word":"high","start":1974.275,"end":1974.515,"confidence":0.54052734,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.11749297380447388},{"word":"growth","start":1974.515,"end":1974.755,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.13241083920001984},{"word":"option","start":1974.755,"end":1975.155,"confidence":0.984375,"punctuated_word":"option,","sentiment":"neutral","sentiment_score":0.13726112246513367},{"word":"it","start":1975.155,"end":1975.315,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1519150286912918},{"word":"just","start":1975.315,"end":1975.5549,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1076364815235138},{"word":"gives","start":1975.5549,"end":1975.715,"confidence":0.99902344,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.08131147176027298},{"word":"you","start":1975.715,"end":1975.955,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10811494290828703},{"word":"the","start":1975.955,"end":1976.115,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08228409290313721},{"word":"difference","start":1976.115,"end":1976.515,"confidence":0.99902344,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.07006794214248657},{"word":"there","start":1976.515,"end":1976.755,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.05789700895547867},{"word":"so","start":1976.755,"end":1976.995,"confidence":0.859375,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.04892348870635033},{"word":"again","start":1976.995,"end":1977.315,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.017862066626548767},{"word":"it's","start":1977.315,"end":1977.5549,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.027563035488128666},{"word":"still","start":1977.5549,"end":1977.795,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.025659799575805664},{"word":"gonna","start":1977.795,"end":1978.035,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.08573111891746521},{"word":"cost","start":1978.035,"end":1978.275,"confidence":0.9970703,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.020630106329917908},{"word":"you","start":1978.275,"end":1978.4349,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06120157986879349},{"word":"more","start":1978.4349,"end":1978.675,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.11019747704267502},{"word":"in","start":1978.675,"end":1978.835,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10663332045078278},{"word":"fees","start":1978.835,"end":1979.335,"confidence":0.9838867,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.07081592828035355},{"word":"because","start":1980.195,"end":1980.515,"confidence":0.95410156,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05780676752328873},{"word":"of","start":1980.515,"end":1980.675,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06454788148403168},{"word":"our","start":1980.675,"end":1980.835,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.00640636682510376},{"word":"advice","start":1980.835,"end":1981.335,"confidence":0.86035156,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.030849933624267575},{"word":"fee","start":1981.395,"end":1981.895,"confidence":0.91918945,"punctuated_word":"fee,","sentiment":"neutral","sentiment_score":0.01914932206273079},{"word":"but","start":1984.115,"end":1984.355,"confidence":0.99316406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04566650092601776},{"word":"it","start":1984.355,"end":1984.595,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1564725935459137},{"word":"does","start":1984.595,"end":1984.915,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.1267416924238205},{"word":"tell","start":1984.915,"end":1985.155,"confidence":1.0,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.10309027135372162},{"word":"you","start":1985.155,"end":1985.655,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10269127786159515},{"word":"the","start":1986.96,"end":1987.2,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0819612592458725},{"word":"difference","start":1987.2,"end":1987.6,"confidence":0.90112305,"punctuated_word":"difference.","sentiment":"neutral","sentiment_score":0.06708839535713196},{"word":"so","start":1987.6,"end":1987.92,"confidence":0.69921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08855487406253815},{"word":"lump","start":1987.92,"end":1988.24,"confidence":0.88134766,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.0915808230638504},{"word":"sum","start":1988.24,"end":1988.56,"confidence":0.9980469,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.08552934229373932},{"word":"difference","start":1988.56,"end":1988.96,"confidence":0.9970703,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.08806431293487549},{"word":"in","start":1988.96,"end":1989.2,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0679420679807663},{"word":"five","start":1989.2,"end":1989.52,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.07516196370124817},{"word":"years","start":1989.52,"end":1990.02,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.07476840168237686},{"word":"would","start":1991.12,"end":1991.36,"confidence":0.97509766,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.09099048376083374},{"word":"be","start":1991.36,"end":1991.6,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05160721391439438},{"word":"5,000","start":1991.6,"end":1992.4,"confidence":0.8712158,"punctuated_word":"5,000,","sentiment":"neutral","sentiment_score":0.07363219559192657},{"word":"and","start":1992.4,"end":1992.64,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06608202308416367},{"word":"then","start":1992.64,"end":1992.8,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06589159369468689},{"word":"in","start":1992.8,"end":1993.28,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.030737314373254776},{"word":"in","start":1993.28,"end":1993.76,"confidence":0.44995117,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.017921868711709976},{"word":"ten","start":1993.76,"end":1994.0,"confidence":0.9863281,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.05361329019069672},{"word":"years","start":1994.0,"end":1994.3201,"confidence":0.90356445,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.033872149884700775},{"word":"21,000","start":1994.3201,"end":1995.3,"confidence":0.99902344,"punctuated_word":"21,000","sentiment":"neutral","sentiment_score":0.05554201453924179},{"word":"with","start":1995.4401,"end":1995.76,"confidence":0.9404297,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04212822765111923},{"word":"rough","start":1995.76,"end":1996.0,"confidence":0.9951172,"punctuated_word":"rough","sentiment":"neutral","sentiment_score":0.024917665868997577},{"word":"figures","start":1996.0,"end":1996.5,"confidence":0.99902344,"punctuated_word":"figures.","sentiment":"neutral","sentiment_score":0.019716627895832065},{"word":"the","start":1998.245,"end":1998.405,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.10464940220117568},{"word":"last","start":1998.405,"end":1998.645,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.10271041840314864},{"word":"two","start":1998.645,"end":1999.045,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.08107258379459381},{"word":"pages","start":1999.045,"end":1999.545,"confidence":0.7687988,"punctuated_word":"pages,","sentiment":"neutral","sentiment_score":0.0874406099319458},{"word":"sorry","start":1999.685,"end":2000.185,"confidence":0.9199219,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.05017766356468201},{"word":"it","start":2001.4451,"end":2001.765,"confidence":0.81396484,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07808957993984222},{"word":"it","start":2001.765,"end":2001.925,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08528898656368256},{"word":"just","start":2001.925,"end":2002.3251,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0921674519777298},{"word":"explains","start":2002.3251,"end":2002.805,"confidence":0.9980469,"punctuated_word":"explains","sentiment":"neutral","sentiment_score":0.07496234774589539},{"word":"the","start":2002.805,"end":2002.9651,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10066833347082138},{"word":"investment","start":2002.9651,"end":2003.4451,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.09056606888771056},{"word":"return","start":2003.4451,"end":2003.925,"confidence":0.9941406,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.1251872479915619},{"word":"methodology","start":2003.925,"end":2004.425,"confidence":0.9641113,"punctuated_word":"methodology,","sentiment":"neutral","sentiment_score":0.11081970483064651},{"word":"how","start":2004.5651,"end":2004.7251,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1273602545261383},{"word":"that's","start":2004.7251,"end":2005.2051,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0993947610259056},{"word":"calculated","start":2005.2051,"end":2005.7051,"confidence":0.8967285,"punctuated_word":"calculated,","sentiment":"neutral","sentiment_score":0.08520636707544327},{"word":"and","start":2006.485,"end":2006.7251,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0822577178478241},{"word":"then","start":2006.7251,"end":2007.045,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0974520817399025},{"word":"life","start":2007.045,"end":2007.4451,"confidence":0.9902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.05713995173573494},{"word":"and","start":2007.4451,"end":2007.765,"confidence":0.7260742,"punctuated_word":"and...","sentiment":"neutral","sentiment_score":0.034741804003715515},{"word":"how","start":2007.765,"end":2008.005,"confidence":0.99902344,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.0817665159702301},{"word":"life","start":2008.005,"end":2008.245,"confidence":0.9980469,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.08063970506191254},{"word":"insurance","start":2008.245,"end":2008.745,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.0477791428565979},{"word":"through","start":2008.805,"end":2009.045,"confidence":0.9951172,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04702616482973099},{"word":"superannuation","start":2009.045,"end":2009.545,"confidence":0.99609375,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":0.09113340079784392},{"word":"works","start":2010.0851,"end":2010.485,"confidence":0.8041992,"punctuated_word":"works.","sentiment":"neutral","sentiment_score":0.12651929259300232},{"word":"so","start":2010.485,"end":2010.645,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22879524528980255},{"word":"that's","start":2010.645,"end":2011.125,"confidence":0.9448242,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.20934590697288513},{"word":"information","start":2011.125,"end":2011.625,"confidence":0.7558594,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.1789627969264984},{"word":"there","start":2011.8451,"end":2012.165,"confidence":0.9941406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.17892801761627197},{"word":"for","start":2012.165,"end":2012.405,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18768374621868136},{"word":"you","start":2012.405,"end":2012.905,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15732429921627045},{"word":"any","start":2013.27,"end":2013.43,"confidence":1.0,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.04120899364352226},{"word":"questions","start":2013.43,"end":2013.93,"confidence":0.986084,"punctuated_word":"questions?","sentiment":"neutral","sentiment_score":0.04239581525325775},{"word":"you","start":2025.03,"end":2025.27,"confidence":0.9951172,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.8186036944389343},{"word":"are","start":2025.27,"end":2025.43,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.8011242151260376},{"word":"absolutely","start":2025.43,"end":2025.93,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.8158133029937744},{"word":"fine","start":2026.15,"end":2026.63,"confidence":0.9921875,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.6888676881790161},{"word":"and","start":2026.63,"end":2026.79,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.24931323528289795},{"word":"then","start":2026.79,"end":2027.03,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14165842533111572},{"word":"also","start":2027.03,"end":2027.53,"confidence":0.8671875,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1093100532889366},{"word":"attached","start":2027.59,"end":2027.99,"confidence":0.9267578,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.15001241862773895},{"word":"to","start":2027.99,"end":2028.23,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1295037865638733},{"word":"that","start":2028.23,"end":2028.55,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20209716260433197},{"word":"link","start":2028.55,"end":2029.005,"confidence":0.9628906,"punctuated_word":"link,","sentiment":"neutral","sentiment_score":0.1212032586336136},{"word":"that","start":2029.085,"end":2029.325,"confidence":0.92822266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1433946192264557},{"word":"email","start":2029.325,"end":2029.485,"confidence":0.99902344,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.21931859850883484},{"word":"that","start":2029.485,"end":2029.805,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11286766827106476},{"word":"we","start":2029.805,"end":2029.885,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12485630810260771},{"word":"sent","start":2029.885,"end":2030.125,"confidence":0.9790039,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.20912976562976837},{"word":"through","start":2030.125,"end":2030.365,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.21909567713737488},{"word":"was","start":2030.365,"end":2030.765,"confidence":0.89208984,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.15903201699256897},{"word":"the","start":2030.765,"end":2030.925,"confidence":0.5883789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14272190630435944},{"word":"product","start":2030.925,"end":2031.325,"confidence":0.95410156,"punctuated_word":"product","sentiment":"neutral","sentiment_score":0.14481519162654877},{"word":"disclosure","start":2031.325,"end":2031.825,"confidence":0.99902344,"punctuated_word":"disclosure","sentiment":"neutral","sentiment_score":0.16693709790706637},{"word":"statements","start":2031.885,"end":2032.385,"confidence":0.79003906,"punctuated_word":"statements","sentiment":"neutral","sentiment_score":0.12265905737876892},{"word":"for","start":2032.845,"end":2033.085,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1387050300836563},{"word":"hub","start":2033.085,"end":2033.405,"confidence":0.40161133,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.15263298153877258},{"word":"twenty","start":2033.405,"end":2033.725,"confidence":0.9980469,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2177935093641281},{"word":"four","start":2033.725,"end":2034.125,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.20190253853797913},{"word":"and","start":2034.125,"end":2034.445,"confidence":0.9614258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1293179988861084},{"word":"the","start":2034.445,"end":2034.605,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1649799644947052},{"word":"group","start":2034.605,"end":2034.925,"confidence":0.99121094,"punctuated_word":"group","sentiment":"neutral","sentiment_score":0.1789514124393463},{"word":"insurance","start":2034.925,"end":2035.425,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.18598714470863345},{"word":"as","start":2035.485,"end":2035.725,"confidence":0.7241211,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10718704015016556},{"word":"well","start":2035.725,"end":2035.885,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.13462676107883453},{"word":"as","start":2035.885,"end":2036.125,"confidence":0.8754883,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.13826988637447357},{"word":"again","start":2036.125,"end":2036.605,"confidence":0.99902344,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.1309584379196167},{"word":"our","start":2036.605,"end":2036.845,"confidence":0.99121094,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.22404088079929352},{"word":"fsg","start":2036.845,"end":2037.345,"confidence":0.99316406,"punctuated_word":"FSG.","sentiment":"neutral","sentiment_score":0.1792069375514984},{"word":"so","start":2038.365,"end":2038.865,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14270970225334167},{"word":"have","start":2040.045,"end":2040.285,"confidence":0.8935547,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16254523396492004},{"word":"a","start":2040.285,"end":2040.445,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1937827467918396},{"word":"read","start":2040.445,"end":2040.845,"confidence":0.9970703,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.16545525193214417},{"word":"of","start":2040.845,"end":2041.26,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21689751744270325},{"word":"the","start":2041.74,"end":2041.9,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.254756897687912},{"word":"advice","start":2041.9,"end":2042.4,"confidence":0.9577637,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.18836383521556857},{"word":"again","start":2042.7,"end":2043.1,"confidence":0.99609375,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.10114464163780212},{"word":"if","start":2043.1,"end":2043.26,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13786005973815918},{"word":"you","start":2043.26,"end":2043.5,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1668822467327118},{"word":"have","start":2043.5,"end":2043.66,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09463640302419662},{"word":"any","start":2043.66,"end":2043.9,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08682011812925339},{"word":"questions","start":2043.9,"end":2044.4,"confidence":0.984375,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.0716819018125534},{"word":"please","start":2044.46,"end":2044.78,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.05763796716928482},{"word":"reach","start":2044.78,"end":2045.1,"confidence":0.9980469,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.12196794897317886},{"word":"out","start":2045.1,"end":2045.6,"confidence":0.98291016,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.10997393727302553},{"word":"and","start":2046.62,"end":2046.86,"confidence":0.9741211,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02506955713033676},{"word":"did","start":2046.86,"end":2047.1,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.028089188039302822},{"word":"you","start":2047.1,"end":2047.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0656038299202919},{"word":"want","start":2047.26,"end":2047.42,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.031569816172122955},{"word":"me","start":2047.42,"end":2047.5,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06904806941747665},{"word":"to","start":2047.5,"end":2047.74,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06514640897512436},{"word":"follow","start":2047.74,"end":2048.06,"confidence":1.0,"punctuated_word":"follow","sentiment":"neutral","sentiment_score":0.022649645805358887},{"word":"you","start":2048.06,"end":2048.22,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05013924837112427},{"word":"up","start":2048.22,"end":2048.46,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07492809742689133},{"word":"at","start":2048.46,"end":2048.7,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04722418636083603},{"word":"any","start":2048.7,"end":2048.94,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08163488656282425},{"word":"point","start":2048.94,"end":2049.26,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.033775605261325836},{"word":"in","start":2049.26,"end":2049.5,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04206239432096481},{"word":"time","start":2049.5,"end":2050.0,"confidence":0.99853516,"punctuated_word":"time?","sentiment":"neutral","sentiment_score":0.0505729503929615},{"word":"one","start":2053.02,"end":2053.34,"confidence":0.9902344,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.21884611248970032},{"word":"week","start":2053.34,"end":2053.84,"confidence":0.8312988,"punctuated_word":"week?","sentiment":"neutral","sentiment_score":-0.07794547080993652},{"word":"absolutely","start":2062.035,"end":2062.535,"confidence":0.9975586,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.5273709297180176},{"word":"and","start":2062.595,"end":2062.835,"confidence":0.8991699,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.2495902478694916},{"word":"again","start":2062.835,"end":2063.1548,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.2274315059185028},{"word":"any","start":2063.1548,"end":2063.4749,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2122509479522705},{"word":"questions","start":2063.4749,"end":2063.9749,"confidence":0.98999023,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.11257682740688324},{"word":"please","start":2064.1948,"end":2064.595,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.10430774837732316},{"word":"reach","start":2064.595,"end":2064.835,"confidence":0.9980469,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.14060470461845398},{"word":"out","start":2064.835,"end":2065.335,"confidence":0.9995117,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.19623255729675293},{"word":"thanks","start":2068.9768,"end":2069.2168,"confidence":0.99853516,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.7509211301803589},{"word":"kat","start":2069.2168,"end":2069.5369,"confidence":0.93774414,"punctuated_word":"Kat.","sentiment":"positive","sentiment_score":0.7138895988464355},{"word":"i","start":2069.5369,"end":2069.6968,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7913054823875427},{"word":"appreciate","start":2069.6968,"end":2070.0168,"confidence":1.0,"punctuated_word":"appreciate","sentiment":"positive","sentiment_score":0.6868093013763428},{"word":"your","start":2070.0168,"end":2070.2568,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7701950073242188},{"word":"time","start":2070.2568,"end":2070.4167,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.790030837059021},{"word":"enjoy","start":2070.4167,"end":2070.7368,"confidence":1.0,"punctuated_word":"Enjoy","sentiment":"positive","sentiment_score":0.7581116557121277},{"word":"your","start":2070.7368,"end":2070.817,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8139410018920898},{"word":"weekend","start":2070.817,"end":2071.317,"confidence":0.88427734,"punctuated_word":"weekend.","sentiment":"positive","sentiment_score":0.79774409532547},{"word":"bye","start":2073.7769,"end":2074.2769,"confidence":0.99902344,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.11224643886089324}],"paragraphs":{"transcript":"\nHey, Maddie. Fantastic. Thank you so much. Yeah. Has she been ID'd?\n\nThat's okay. Yep. Okay. Beautiful. Thanks.\n\nHi, Kat. It's Jenna here. How are you? That's absolutely fine. That's absolutely fine.\n\nHow are you doing today? Yeah. It is difficult. It is, isn't it? Just before I go any further, I do need to let you know that our calls are recorded for coaching and quality purposes.\n\nIs that okay? And I am sorry, but I do need to get you to confirm your full name, date of birth, and address again, please. Fantastic. Thank you so much for that. And you have some time now to go through the statement of advice?\n\nFantastic. I'm going to send you an email. It's gonna come through from Odoo Sign, and it will say Jenna. When you open that email, if you just... It's...\n\nIt will say click here to sign or sign here to click. I mean, you know what I mean. It's Friday. And you're not signing anything at the moment. It's just gonna navigate you to the advice document that we're gonna talk through.\n\nSo if you let me know when you have that open, I will be able to begin. It might take a I have sent it. It might take it a little bit to come through. Just... It is a rather large document, so, hopefully, it will be with you momentarily.\n\nYep. So the first document you should have is a statement of advice. So we're just gonna talk through that. So this is where all the advice is contained. So the the cover page itself is...\n\nExplains that the advice is prepared for you. It's prepared by me, and I'm authorized by Oakview Financial to provide this advice. Then the next page covers off our best interest duty. So what this states is that we need to identify a client's financial situation, your needs, assess whether any advice provided is in your best interest, conduct diligent investigation to make sure any advice is relevant to your circumstances. Following that is a table of contents, and then the next page is the scope of advice.\n\nSo that's where we talked about your goals, and this is gonna outline what is covered in this advice document. So we will be reviewing your superannuation, and your goal is to be debt free and have sufficient income to support your lifestyle of 3,500 per week throughout retirement. So we're gonna look at reviewing your super to help you work towards that goal. We've looked at the $25 a week you do after you get your pay into super and recommended to set this up as salary sacrifice arrangement instead so that what we'll be talking through. We're also gonna look at your insurances.\n\nWe've made some recommendations surrounding that, and that your beneficiary nominations within your super and any insurance is in place for your daughter as well as establishing a will and power of attorney. The goals that aren't included in this advice is your budget and savings goal where you're you're saving a $100 per fortnight, at your debt goals of consolidating debt if you could. So that would be covered externally outside of our advice if you decided to go along with that... With the broker details that we shared with you and along with investment. So you did mention you wanted to consider an investment account for your daughter down the track, but not at this point.\n\nAnd also, again, property. So that's not addressed in... The purchase of property isn't addressed in this advice document either. Does that make sense? Yeah.\n\nThe next page is our limited of advice. So it... The advice is based on the information you've provided to us. So if anything isn't provided, the advice could not be accurate. It also lets you know that I'm not a lawyer, so I can't help you draft wills or powers of attorney.\n\nAnd... Yep. And that I'm also... Cannot provide advice in regards to general insurance products. I am able to provide tax advice relevant to financial advice only, but not tax returns or any of those types of matters.\n\nThe next couple of pages are the about you section. So this is where we completed in our initial meetings your information. So dates of birth, income, occupation, savings, your assets and liabilities, as well as your current super with Hester and the life insurance and income protection you hold in Hester. Has any of that changed, do you think? Lovely.\n\nIn our meetings, we completed a risk profile. So that was to ascertain your comfort levels to risk, and it came out as... You came out as a high growth in Vista, which means that 90% of your assets are allocated to growth with 10% approximately to defensive. So are you still comfortable with that based on our previous conversation? Fantastic.\n\nThe next couple of pages is where the real detail is in regards to the advice. So the first part is that we're recommending you roll over your HESTA superannuation fund into a new hub 24 platform superannuation fund. This this will be done over probably two phases, and I'll I'll dig a little bit deeper as to why. We've recommended establishing hub and investing in our high growth zero point five portfolio, which I'll discuss the investments in a little bit. The reason being is that Hester holds exposure to unlisted assets such as property and infrastructure.\n\nUnlisted assets are typically valued infrequently rather than daily, which does restrict the pricing transparency. So, for example, if they hold an investment in a property unlisted fund, that may be valued monthly or quarterly. So, having a fully liquid and daily unitized or priced fund does provide a lot more transparency. The downsides are that the hub twenty four will cost you proper... Approximately an extra 50 $8 per...\n\nYou're absolutely fine. It's gonna cost approximately $58 per annum more in administration fees, but you will have enhanced diversification and a lot more investment flexibility within that fund. When you roll over or sell out of a superannuation fund, there's always capital gains tax that's incurred within the fund depending on gross or losses. When we roll out of our industry funds such as HESTA, we're not able to find out what that capital gains tax could be, whether it's positive or negative just because of the way funds are invested in industry funds. So your money is invested in what's called a pooled tax structure.\n\nSo rather than owning individual investments, you'll... You own a share of those investments. So what happens when you roll out is the super... The industry superannuation fund will apply whatever capital gains is applicable, but we're not able to detail what that actually is. So that's just something to be aware of.\n\nHow we will do... How we recommend it occur is that we will roll over partially most of your HESTA superannuation with 10,000 being retained in HESTA until we're able to transfer over your existing insurance policies within HESTA. Once those insurance policies are transferred over, we'll then do a full rollover of the remaining funds closing the HESTA funds. The outcomes are that investment fee wise, the HUB24 portfolio is less. So your investment management fees, but the admin fees are higher, which I'll talk you through shot...\n\nShortly. The disadvantages is, as I mentioned, the higher administration fees of $58 per annum. We will apply an ongoing adviser fee, which I will talk you through as well, later on in the document. And that the recommended portfolio that I'm making a recommendation does have a higher allocation to growth assets, which does expose you to more market volatility and fluctuations over time. It does.\n\nSo compared to your HESTA, it is... Let me get that exact figure. It's a little bit further in the document, but while we're here, I'll discuss it. So your current portfolio with HESTA has about 66% exposure to growth assets, which which doesn't really fit with your high growth investment approach and and 34% in defensive assets. Our portfolio is recommending approximately 94% in growth assets with about 6% in defensive assets.\n\nSo sitting towards more that high growth investment option. Does that make sense? Lovely. I did consider some... I did consider retaining your HESTA fund and investing it in a high growth option.\n\nBasically, I decided against that because you... Again, you will be exposed to those unlisted style assets, and you you are limited in your investment options. So they're pooled type investments, and you are limited. So that's why I decided against HESTA. And I also considered another platform called MyNorth as an alternative.\n\nThe reason why I didn't proceed with them is that their brokerage fees... So when you... When the fund trades to buy or sell funds depending on your contributions, their fees are higher than the recommended Hub 24. So that's the... All that wording area.\n\nIf you scroll the wording, it's a concise... A condensed version of what's involved in that wording for the first strategy. If you scroll to the fee comparison section, this is where I'm gonna talk through a little bit more. Yep. So, overall, you'll see that it's the admin fees that are costing you more, approximately $244 or more with your adviser service fee and the insurance premiums.\n\nSo when we look at that from a like from like basis, you are paying more to be in hub, and that includes the insurance premiums as well. So your insurance premiums actually will be cheaper, but you are gonna incur the adviser service fee, which increases the investments also... Or... Sorry. The fees also.\n\nOn a five year rolling average, your current fund returns approximately 6.48%. In in the recommended fund that we are looking at, the five year average is 11.34%. What that means over the long term is as... You know, your lump sum in five years is gonna be 12... Projected out to be approximately $12,000 better off, and in ten years, forty one thousand dollars better off.\n\nSo, again, they're just projections based on past performance, so they don't tell us and they're not an indication for future performance, but it gives us... It give... It it shows that you you shouldn't be... Well, not you shouldn't, but the balanced growth isn't gonna help you achieve your longer term goals. You do need to have some more exposure to your high growth.\n\nAnd then even when we look down further, the annualized returns with act... With a more diversified and more investment options, your portfolio is estimated to return more over the longer term. The investment options are displayed in a table. Can you see that? Have you scrolled to that section yet?\n\nYep. Lovely. So the portfolio I'm recommending is that you'll have some cybersecurity exposure, which is what we call a satellite investment. So it sits around the core investment options, which are your iShares S and P 500 and the beta shares Australian 200. And all all the others are your satellites, so they sit around being your further diversification.\n\nSo you've got some further diversification in cybersecurity, Europe, Japan, and the... All world excluding US with the iShares S and P being your US, a little bit of physical gold exposure, and the iShares core composite bond is your different... Your major defensive part of your portfolio. The portfolio is designed to give you different economy diversification, so being Europe, Japan, and all world, which gives you the exposure to all the economies through a diversified manner. The asset allocation is the next page, and that's where I I referred to earlier with the the difference between the balance growth and the high growth approach.\n\nSo you'll see existing is you're sitting at about 66 and then 34 for gross first assets. We're recommending a 94 to a 6% allocation just to be in line with that high growth investment portfolio, which will allow you the long term growth. And as we've discussed before, you you do... With your superannuation, legally, you're unable to access it until you're 60 years of all age based on today's legislation. So you do have time on your side again to take that higher risk.\n\nAny questions about that? No. We we definitely recommend. So there's... You're not needing to sign this today.\n\nWe absolutely... I'm running through it to give you the the... Yeah. And then we definitely recommend you read through that. The next section is the sari sacrifice.\n\nSo rather... And the only reason that we changed it to a sari sacrifice and after tax contributions is for efficiency on your behalf. You're you're not needing to set this up. Your employer will do it on your behalf. The taxable outcome is still the same as you'll see in that table.\n\nIt's just that you're gonna do it via by two diff... By a different contribution method. Yes. Exactly. Yep.\n\nYep. And it it... The only... The outcome and the benefits are the same of doing both. It's just that you won't have to do it yourself efficiency wise.\n\nIt's there and it's set up. Yeah. Yep. Just... We've just recommended the same amount that you're currently doing so that there's no change to your personal cash flow impacts.\n\nYeah. Yeah. It's much more easier, and you don't have to worry about it then. The next... And and the document there will go through...\n\nThe the next couple of pages of that will go through the advantages and disadvantages. Again, they're the same as you're currently doing now. It's just a different type of... It's just a different way of making that contribution. The next part is where I'm gonna spend probably a fair a a decent amount of our time just to go through the insurances.\n\nI know we spoke previously, and we did the pre assessment in relation to the BMI and what insurance terms retail funds would provide. So what we've done is we've tried to be a little bit creative to get you as much cover as possible. So what we have recommended is when you apply when you apply for your cover with hub twenty four, there's a group insurance option that allows you to have $200,000 life insurance and $200,000 TPD insurance, which is the TPD you don't currently hold. And that premium's $8.03 a month. Now with group insurance, there's always the exclusion for preexisting conditions.\n\nSo an example of that might be... What's something I can think of? If you had type one diabetes, for example, that would be excluded from being claimable on the life and TPD insurance under a group, which is the same as your cover within HESTA at the moment anyhow. So what we've recommended is that goes through no underwriting. So you're automatically...\n\nWhen the forms are ready and if you decide, you... We will automatically request that cover be put in place, and that will cost $8.03 per month. The next the next part is is that we're going to apply to transfer your existing life cover of a 134,990 over to Hub from HESTA. And, also, your income protection policy within HESTA that has been automatically applied, it's only for $1,000 a month. It does have a ninety day waiting period and a five year benefit period, but we believe some cover's better than none.\n\nAnd that... And when we transfer that over to hub twenty four, that's expected to cost you about $6.99 per month. So what it means overall is you're gonna have about 300,000... $303,334,990 dollars in life insurance, $200,000 in TPD insurance, and income protection with 100... With $1,000 per month and ninety day wait and a five year benefit period.\n\nSo, again, they're all they're all group covers. So any preexisting conditions that you may have would be excluded from claim. So do you have any preexisting conditions that you could think of? Nope. Yeah.\n\nYeah. Absolutely fine. So that's what we thought would be the the most cost effective approach. Now we did... In our in our time, we did talk about the levels of cover that you needed or that you wanted for your daughter, and that came out at sitting about a need for life insurance of about $940,000 as well as the same amount for TPD.\n\nNow we can't get you that level of TPD cover at the moment. The max we can do is that that group cover. We can look at applying for that $940,000 of retail cover for life insurance, but it will have a loading of between a 150 and a 175%. The retail insurers have declined TPD trauma and income protection in full, so we're unable to get you those covers through retail insurers. So what I've included in this document, once you have a read over it, is that we can apply for the the retail life insurance of $940,000.\n\nIt does take up approximate... The cost of it would be equivalent to an estimated 10% of your annual super guarantee contribution, but it will provide you with that higher level of cover. So I have included it in there should you wish to do that for you to have a read over. But we also did talk about your desire for trauma insurance, which is we did a needs analysis of a $145,000. Unfortunately, until your weight...\n\nLike we discussed earlier, until your weight loss journey has completed, I can't obtain that cover on your behalf as well as the income protection at need of $4,783 per month. So you are gonna have a shortfall there in your income protection until where your BMI does reduce. Any questions? Because that's a lot of information I just downloaded on you. Okay.\n\nSo, yeah, I just wanted to make sure that, like, with the insurance, there is definitely gonna be a shortfall in your needs. Like, you're not gonna be fully insured at this point in time with what you need. We we are restricted, unfortunately, due to the insurance companies, but what we've tried to do is get as much cover as possible without impacting your superannuation balance as much as possible. So have a read through it, and, yeah, it's it's all in there for you to ex... For you to understand and make a dis...\n\nAn informed decision on that. The next part is just establishing a beneficiary nomination. So within Hub, make a non lapsing beneficiary nomination to your daughter. I've included some information in here about minor beneficiary death benefit considerations. So have a read through those.\n\nYep. Just to make sure that you're happy with that, if any further considerations need to be made about estate planning and how that will work with your estate planning. And, additionally, the next the next two are for you to establish a will and power of attorney. Obviously, not having those in place means that you're in and out from a will perspective that your wishes may not be addressed as it would fall under a public trustee likely to make those decisions for you. And with the power of attorney, if anything was to happen to you while you're alive and you're unable to make decisions, there's no one nominated to do that on your behalf.\n\nThe next section is our ongoing services. So it does explain to you what your fees cover. Again, the recommendation, the implementation of it, your regular reviews, and depending on the frequency of whether you want them to be annually or biannually. And also as your situation changes, it is we're here for anything for you to contact us and reach out. So we're we're abreast of what's going on.\n\nAnd if there's any changes that you need made, we can action those for you. So you're not limited... Basically, what I'm saying is is you're not limited to just your reviews. Yeah. Yeah.\n\nThe next couple of pages is just important information. So the next step is you read through this and make an informed decision. If we need to have another meeting after you've had to read through it to go through any questions, absolutely fine. Approved product list is we've got an open APL, which means we can invest and recommend in whatever is approved by our licensee. Product disclosure statements, product disclosure information, which they're all attached to the email that you received as well.\n\nAnd then the next section is the fees. So this section is a clear outline of the fees being paid. So to implement this plan, the fee you can... You will incur is $1,825 from us, and we can... We will deduct that from your superannuation fund.\n\nAnd then the ongoing fee is set at 1.65% of your super balance. So annually, it is set for the next twelve months to be $979, and each twelve months that is then reviewed and reset. You sign off on a piece of paper confirming that you wanna continue, so it doesn't automatically roll over. Yeah. Following that is a a outline of our...\n\nJust a summary again of the costs and, additionally, how to implement our advice. So it's a step by step process of all the things that need to be done. The last page requires your signature. So when you've read it, you've asked any questions, you're happy, whatever it is that you decide to do, you would sign that page and date it, and you'll note that there's a spare box above. If there was an air...\n\nIf there was something you did not wish to proceed with, that's where you'd type it. So, for example, if you decided you didn't want to nominate your daughter as your beneficiary, you wanted it to pay your estate instead, that's where you'd type it. So any changes to the advice. And the last... Yeah.\n\nAnd the last page is my advice declaration. So just explaining that it's accurate. I am authorized, all those sorts of things. And the last document that I... Sorry?\n\nThe last one is just the appendix to the statement of advice. So just to run over this one quickly, table of contents. The first the first page is the risk profile, so it shows the different types of risk profiles that we act by. So you'll see your high growth one is there on the second last left hand side... Right hand side of the column, and then important relationships and information.\n\nSo probably one of the the most important sections of this is the currency of the SOA. So we need you to sign it if you wish to proceed within sixty days as... The reason being is people's situations can change in that time frame. So after sixty days, we just need to redo the process again. There's there's...\n\nYep. There's no product guarantee, so we obviously can't, you know, say it's gonna be great forever. But that's the purpose of our reviews where we review regularly, make changes where required. There's also investment links to the recommended investment options. So if you have trouble sleeping, have a rate of those.\n\nAnd then and then we've had... We've completed a like for like for you. So if you stay with HESTA and go for a high growth option versus the recommended hub 24, what I've recommended high growth option, it just gives you the difference there. So, again, it's still gonna cost you more in fees because of our advice fee, but it does tell you the difference. So lump sum difference in five years would be 5,000, and then in in ten years, 21,000 with rough figures.\n\nThe last two pages, sorry, it it just explains the investment return methodology, how that's calculated, and then life and... How life insurance through superannuation works. So that's information there for you. Any questions? You are absolutely fine.\n\nAnd then also attached to that link, that email that we sent through was the product disclosure statements for hub twenty four and the group insurance as well as, again, our FSG. So have a read of the advice. Again, if you have any questions, please reach out. And did you want me to follow you up at any point in time? One week?\n\nAbsolutely. And, again, any questions, please reach out. Thanks, Kat. I appreciate your time. Enjoy your weekend.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey, Maddie.","start":0.88,"end":1.62,"sentiment":"neutral","sentiment_score":0.05986352451145649},{"text":"Fantastic.","start":5.8399997,"end":6.3399997,"sentiment":"positive","sentiment_score":0.7318698763847351},{"text":"Thank you so much.","start":6.48,"end":7.54,"sentiment":"positive","sentiment_score":0.7343747317790985},{"text":"Yeah.","start":10.96,"end":11.2,"sentiment":"neutral","sentiment_score":0.002069275826215744},{"text":"Has she been ID'd?","start":11.2,"end":12.42,"sentiment":"neutral","sentiment_score":-0.008128545014187694}],"sentiment":"neutral","sentiment_score":0.31322091235779226,"num_words":12,"start":0.88,"end":12.42},{"sentences":[{"text":"That's okay.","start":15.04,"end":15.795,"sentiment":"neutral","sentiment_score":0.02631744183599949},{"text":"Yep.","start":16.355,"end":16.855,"sentiment":"neutral","sentiment_score":0.045170858502388},{"text":"Okay.","start":24.755001,"end":25.154999,"sentiment":"neutral","sentiment_score":0.1661418080329895},{"text":"Beautiful.","start":25.154999,"end":25.654999,"sentiment":"positive","sentiment_score":0.45984160900115967},{"text":"Thanks.","start":28.915,"end":29.415,"sentiment":"positive","sentiment_score":0.3365679979324341}],"sentiment":"neutral","sentiment_score":0.17672619285682836,"num_words":6,"start":15.04,"end":29.415},{"sentences":[{"text":"Hi, Kat.","start":30.369999,"end":30.929998,"sentiment":"neutral","sentiment_score":0.19016452133655548},{"text":"It's Jenna here.","start":30.929998,"end":31.81,"sentiment":"neutral","sentiment_score":0.21547925472259521},{"text":"How are you?","start":31.81,"end":32.629997,"sentiment":"neutral","sentiment_score":0.18611081937948862},{"text":"That's absolutely fine.","start":37.89,"end":39.43,"sentiment":"neutral","sentiment_score":0.09220949249962966},{"text":"That's absolutely fine.","start":40.29,"end":41.75,"sentiment":"neutral","sentiment_score":0.1895669400691986}],"sentiment":"neutral","sentiment_score":0.17360204019184625,"num_words":14,"start":30.369999,"end":41.75},{"sentences":[{"text":"How are you doing today?","start":41.809998,"end":43.03,"sentiment":"neutral","sentiment_score":0.1658370763063431},{"text":"Yeah.","start":50.875,"end":51.195,"sentiment":"neutral","sentiment_score":-0.1485569179058075},{"text":"It is difficult.","start":51.195,"end":52.095,"sentiment":"neutral","sentiment_score":-0.19371707240740457},{"text":"It is, isn't it?","start":52.155003,"end":53.375,"sentiment":"neutral","sentiment_score":-0.10003976710140705},{"text":"Just before I go any further, I do need to let you know that our calls are recorded for coaching and quality purposes.","start":55.760002,"end":60.98,"sentiment":"neutral","sentiment_score":-0.024628334597724934}],"sentiment":"neutral","sentiment_score":-0.02408704215971132,"num_words":36,"start":41.809998,"end":60.98},{"sentences":[{"text":"Is that okay?","start":61.12,"end":62.02,"sentiment":"neutral","sentiment_score":0.009693610792358717},{"text":"And I am sorry, but I do need to get you to confirm your full name, date of birth, and address again, please.","start":64.08,"end":69.86,"sentiment":"neutral","sentiment_score":-0.003413659844385541},{"text":"Fantastic.","start":79.545,"end":80.045,"sentiment":"positive","sentiment_score":0.3447566032409668},{"text":"Thank you so much for that.","start":80.265,"end":81.96,"sentiment":"positive","sentiment_score":0.39758677283922833},{"text":"And you have some time now to go through the statement of advice?","start":83.159996,"end":89.659996,"sentiment":"neutral","sentiment_score":0.11560672149062157}],"sentiment":"neutral","sentiment_score":0.09095067990457882,"num_words":46,"start":61.12,"end":89.659996},{"sentences":[{"text":"Fantastic.","start":92.68,"end":93.18,"sentiment":"neutral","sentiment_score":0.2819218337535858},{"text":"I'm going to send you an email.","start":93.88,"end":96.06,"sentiment":"neutral","sentiment_score":0.11919037784848895},{"text":"It's gonna come through from Odoo Sign, and it will say Jenna.","start":97.08501,"end":102.705,"sentiment":"neutral","sentiment_score":0.1066431471457084},{"text":"When you open that email, if you just...","start":103.245,"end":106.94501,"sentiment":"neutral","sentiment_score":0.040158325573429465},{"text":"It's...","start":109.81,"end":110.21,"sentiment":"neutral","sentiment_score":-0.004946619737893343}],"sentiment":"neutral","sentiment_score":0.09352731825141557,"num_words":29,"start":92.68,"end":110.21},{"sentences":[{"text":"It will say click here to sign or sign here to click.","start":110.21,"end":113.59,"sentiment":"neutral","sentiment_score":-0.011917176035543283},{"text":"I mean, you know what I mean.","start":114.13,"end":116.39,"sentiment":"neutral","sentiment_score":-0.03878512127058847},{"text":"It's Friday.","start":116.45,"end":117.19,"sentiment":"neutral","sentiment_score":-0.05663679353892803},{"text":"And you're not signing anything at the moment.","start":117.25,"end":119.49,"sentiment":"neutral","sentiment_score":-0.10023659560829401},{"text":"It's just gonna navigate you to the advice document that we're gonna talk through.","start":119.49,"end":123.43,"sentiment":"neutral","sentiment_score":-0.007800152525305748}],"sentiment":"neutral","sentiment_score":-0.033462103456258774,"num_words":43,"start":110.21,"end":123.43},{"sentences":[{"text":"So if you let me know when you have that open, I will be able to begin.","start":126.095,"end":133.715,"sentiment":"neutral","sentiment_score":0.27206971803132224},{"text":"It might take a I have sent it.","start":139.535,"end":141.68,"sentiment":"neutral","sentiment_score":0.12313121370971203},{"text":"It might take it a little bit to come through.","start":141.68,"end":143.51999,"sentiment":"neutral","sentiment_score":0.013186007738113403},{"text":"Just...","start":143.51999,"end":144.01999,"sentiment":"neutral","sentiment_score":-0.002808159217238426},{"text":"It is a rather large document, so, hopefully, it will be with you momentarily.","start":144.15999,"end":151.29999,"sentiment":"neutral","sentiment_score":0.045250341828380315}],"sentiment":"neutral","sentiment_score":0.1274558323994279,"num_words":50,"start":126.095,"end":151.29999},{"sentences":[{"text":"Yep.","start":157.455,"end":157.955,"sentiment":"neutral","sentiment_score":0.29820716381073},{"text":"So the first document you should have is a statement of advice.","start":158.815,"end":162.67499,"sentiment":"neutral","sentiment_score":0.14110809937119484},{"text":"So we're just gonna talk through that.","start":165.375,"end":167.055,"sentiment":"neutral","sentiment_score":0.07026335171290807},{"text":"So this is where all the advice is contained.","start":167.055,"end":169.90999,"sentiment":"neutral","sentiment_score":0.10077041387557983},{"text":"So the the cover page itself is...","start":170.76999,"end":174.06999,"sentiment":"neutral","sentiment_score":0.04712323711386749}],"sentiment":"neutral","sentiment_score":0.1033373389703532,"num_words":36,"start":157.455,"end":174.06999},{"sentences":[{"text":"Explains that the advice is prepared for you.","start":174.20999,"end":177.18999,"sentiment":"neutral","sentiment_score":0.1343925017863512},{"text":"It's prepared by me, and I'm authorized by Oakview Financial to provide this advice.","start":177.48999,"end":182.62999,"sentiment":"neutral","sentiment_score":0.16219776336635863},{"text":"Then the next page covers off our best interest duty.","start":183.99501,"end":187.435,"sentiment":"neutral","sentiment_score":0.0022908605635166166},{"text":"So what this states is that we need to identify a client's financial situation, your needs, assess whether any advice provided is in your best interest, conduct diligent investigation to make sure any advice is relevant to your circumstances.","start":187.435,"end":203.83,"sentiment":"neutral","sentiment_score":0.016709924985965092},{"text":"Following that is a table of contents, and then the next page is the scope of advice.","start":207.57,"end":213.115,"sentiment":"neutral","sentiment_score":0.0742616215172936}],"sentiment":"neutral","sentiment_score":0.060033544855700297,"num_words":88,"start":174.20999,"end":213.115},{"sentences":[{"text":"So that's where we talked about your goals, and this is gonna outline what is covered in this advice document.","start":213.115,"end":220.49501,"sentiment":"neutral","sentiment_score":0.18616746366024017},{"text":"So we will be reviewing your superannuation, and your goal is to be debt free and have sufficient income to support your lifestyle of 3,500 per week throughout retirement.","start":221.435,"end":233.51,"sentiment":"neutral","sentiment_score":0.25797581107452},{"text":"So we're gonna look at reviewing your super to help you work towards that goal.","start":233.65,"end":239.90999,"sentiment":"neutral","sentiment_score":0.226552348335584},{"text":"We've looked at the $25 a week you do after you get your pay into super and recommended to set this up as salary sacrifice arrangement instead so that what we'll be talking through.","start":241.465,"end":255.965,"sentiment":"neutral","sentiment_score":0.1080521524829023},{"text":"We're also gonna look at your insurances.","start":257.92,"end":259.86002,"sentiment":"neutral","sentiment_score":0.12817361312253134}],"sentiment":"neutral","sentiment_score":0.18260877614929563,"num_words":105,"start":213.115,"end":259.86002},{"sentences":[{"text":"We've made some recommendations surrounding that, and that your beneficiary nominations within your super and any insurance is in place for your daughter as well as establishing a will and power of attorney.","start":260.24002,"end":276.71503,"sentiment":"neutral","sentiment_score":0.199351198293946},{"text":"The goals that aren't included in this advice is your budget and savings goal where you're you're saving a $100 per fortnight, at your debt goals of consolidating debt if you could.","start":279.17502,"end":294.12997,"sentiment":"neutral","sentiment_score":-0.10756748414132744},{"text":"So that would be covered externally outside of our advice if you decided to go along with that...","start":295.22998,"end":301.16998,"sentiment":"neutral","sentiment_score":-0.09802795760333538},{"text":"With the broker details that we shared with you and along with investment.","start":301.38998,"end":306.745,"sentiment":"neutral","sentiment_score":0.0014226841382109202},{"text":"So you did mention you wanted to consider an investment account for your daughter down the track, but not at this point.","start":306.965,"end":313.465,"sentiment":"neutral","sentiment_score":-0.020186849107796497}],"sentiment":"neutral","sentiment_score":0.008019584980872223,"num_words":118,"start":260.24002,"end":313.465},{"sentences":[{"text":"And also, again, property.","start":313.845,"end":315.365,"sentiment":"neutral","sentiment_score":-0.05247849132865667},{"text":"So that's not addressed in...","start":315.365,"end":317.065,"sentiment":"neutral","sentiment_score":-0.06713675111532211},{"text":"The purchase of property isn't addressed in this advice document either.","start":317.125,"end":320.84,"sentiment":"neutral","sentiment_score":-0.19190321591767398},{"text":"Does that make sense?","start":320.84,"end":321.98,"sentiment":"neutral","sentiment_score":-0.09434080123901367},{"text":"Yeah.","start":323.88,"end":324.38,"sentiment":"neutral","sentiment_score":-0.04813210666179657}],"sentiment":"neutral","sentiment_score":-0.12328113630414009,"num_words":25,"start":313.845,"end":324.38},{"sentences":[{"text":"The next page is our limited of advice.","start":325.0,"end":327.26,"sentiment":"neutral","sentiment_score":-0.08286991808563471},{"text":"So it...","start":327.32,"end":328.22,"sentiment":"neutral","sentiment_score":-0.045083437114953995},{"text":"The advice is based on the information you've provided to us.","start":328.28,"end":332.28,"sentiment":"neutral","sentiment_score":-0.12164120714772832},{"text":"So if anything isn't provided, the advice could not be accurate.","start":332.28,"end":338.07498,"sentiment":"neutral","sentiment_score":-0.312962607903914},{"text":"It also lets you know that I'm not a lawyer, so I can't help you draft wills or powers of attorney.","start":338.615,"end":344.315,"sentiment":"neutral","sentiment_score":-0.1211985523502032}],"sentiment":"neutral","sentiment_score":-0.15243278837428903,"num_words":53,"start":325.0,"end":344.315},{"sentences":[{"text":"And...","start":345.175,"end":345.675,"sentiment":"neutral","sentiment_score":-0.023250887170434},{"text":"Yep.","start":346.215,"end":346.715,"sentiment":"neutral","sentiment_score":-0.017532970756292343},{"text":"And that I'm also...","start":346.81998,"end":349.08,"sentiment":"neutral","sentiment_score":-0.02357195969671011},{"text":"Cannot provide advice in regards to general insurance products.","start":349.69998,"end":353.0,"sentiment":"neutral","sentiment_score":-0.14848723593685362},{"text":"I am able to provide tax advice relevant to financial advice only, but not tax returns or any of those types of matters.","start":353.78,"end":361.8,"sentiment":"neutral","sentiment_score":-0.08887735729956109}],"sentiment":"neutral","sentiment_score":-0.09251673784303038,"num_words":38,"start":345.175,"end":361.8},{"sentences":[{"text":"The next couple of pages are the about you section.","start":364.355,"end":367.075,"sentiment":"neutral","sentiment_score":0.018278704769909383},{"text":"So this is where we completed in our initial meetings your information.","start":367.075,"end":372.615,"sentiment":"neutral","sentiment_score":0.046947599388659},{"text":"So dates of birth, income, occupation, savings, your assets and liabilities, as well as your current super with Hester and the life insurance and income protection you hold in Hester.","start":372.915,"end":387.88,"sentiment":"neutral","sentiment_score":0.026819201155255237},{"text":"Has any of that changed, do you think?","start":389.885,"end":391.98502,"sentiment":"neutral","sentiment_score":-0.04479207331314683},{"text":"Lovely.","start":401.245,"end":401.745,"sentiment":"neutral","sentiment_score":0.3047783672809601}],"sentiment":"neutral","sentiment_score":0.024543869767154825,"num_words":61,"start":364.355,"end":401.745},{"sentences":[{"text":"In our meetings, we completed a risk profile.","start":403.28998,"end":408.56998,"sentiment":"neutral","sentiment_score":0.03312384756281972},{"text":"So that was to ascertain your comfort levels to risk, and it came out as...","start":408.56998,"end":414.11,"sentiment":"neutral","sentiment_score":0.0005347988257805507},{"text":"You came out as a high growth in Vista, which means that 90% of your assets are allocated to growth with 10% approximately to defensive.","start":414.16998,"end":424.355,"sentiment":"neutral","sentiment_score":0.07772400975227356},{"text":"So are you still comfortable with that based on our previous conversation?","start":424.495,"end":427.875,"sentiment":"neutral","sentiment_score":0.03834102520098289},{"text":"Fantastic.","start":430.975,"end":431.475,"sentiment":"positive","sentiment_score":0.6106107234954834}],"sentiment":"neutral","sentiment_score":0.05388223004267841,"num_words":61,"start":403.28998,"end":431.475},{"sentences":[{"text":"The next couple of pages is where the real detail is in regards to the advice.","start":432.84,"end":438.94,"sentiment":"neutral","sentiment_score":0.2503455597907305},{"text":"So the first part is that we're recommending you roll over your HESTA superannuation fund into a new hub 24 platform superannuation fund.","start":439.64,"end":450.425,"sentiment":"neutral","sentiment_score":0.1116904332909895},{"text":"This this will be done over probably two phases, and I'll I'll dig a little bit deeper as to why.","start":451.605,"end":460.425,"sentiment":"neutral","sentiment_score":0.04715765062719583},{"text":"We've recommended establishing hub and investing in our high growth zero point five portfolio, which I'll discuss the investments in a little bit.","start":462.31998,"end":475.06,"sentiment":"neutral","sentiment_score":0.18522920459508896},{"text":"The reason being is that Hester holds exposure to unlisted assets such as property and infrastructure.","start":475.66498,"end":481.845,"sentiment":"neutral","sentiment_score":-0.12071218807250261}],"sentiment":"neutral","sentiment_score":0.1004738635858711,"num_words":98,"start":432.84,"end":481.845},{"sentences":[{"text":"Unlisted assets are typically valued infrequently rather than daily, which does restrict the pricing transparency.","start":483.50497,"end":490.91,"sentiment":"neutral","sentiment_score":-0.2857197771469752},{"text":"So, for example, if they hold an investment in a property unlisted fund, that may be valued monthly or quarterly.","start":491.37,"end":499.31,"sentiment":"neutral","sentiment_score":-0.06266468167304992},{"text":"So, having a fully liquid and daily unitized or priced fund does provide a lot more transparency.","start":499.37,"end":510.065,"sentiment":"neutral","sentiment_score":0.26041148997404995},{"text":"The downsides are that the hub twenty four will cost you proper...","start":513.165,"end":518.74005,"sentiment":"negative","sentiment_score":-0.43766458829243976},{"text":"Approximately an extra 50 $8 per...","start":518.96,"end":521.62006,"sentiment":"neutral","sentiment_score":-0.309206282099088}],"sentiment":"neutral","sentiment_score":-0.11741868161729403,"num_words":70,"start":483.50497,"end":521.62006},{"sentences":[{"text":"You're absolutely fine.","start":524.72003,"end":525.94,"sentiment":"neutral","sentiment_score":0.29707970718542737},{"text":"It's gonna cost approximately $58 per annum more in administration fees, but you will have enhanced diversification and a lot more investment flexibility within that fund.","start":526.4,"end":540.945,"sentiment":"neutral","sentiment_score":0.25393038457975936},{"text":"When you roll over or sell out of a superannuation fund, there's always capital gains tax that's incurred within the fund depending on gross or losses.","start":544.09,"end":553.79004,"sentiment":"neutral","sentiment_score":-0.18974859840594804},{"text":"When we roll out of our industry funds such as HESTA, we're not able to find out what that capital gains tax could be, whether it's positive or negative just because of the way funds are invested in industry funds.","start":554.48505,"end":570.79,"sentiment":"neutral","sentiment_score":-0.2113462643697858},{"text":"So your money is invested in what's called a pooled tax structure.","start":570.79,"end":575.05,"sentiment":"neutral","sentiment_score":-0.10560760833323002}],"sentiment":"neutral","sentiment_score":-0.06692688142724126,"num_words":107,"start":524.72003,"end":575.05},{"sentences":[{"text":"So rather than owning individual investments, you'll...","start":575.83,"end":580.57495,"sentiment":"neutral","sentiment_score":-0.07357629069260188},{"text":"You own a share of those investments.","start":580.57495,"end":583.235,"sentiment":"neutral","sentiment_score":-0.04488487648112433},{"text":"So what happens when you roll out is the super...","start":583.295,"end":587.535,"sentiment":"neutral","sentiment_score":-0.012383443489670753},{"text":"The industry superannuation fund will apply whatever capital gains is applicable, but we're not able to detail what that actually is.","start":587.535,"end":595.9,"sentiment":"neutral","sentiment_score":-0.19002292872894377},{"text":"So that's just something to be aware of.","start":596.52,"end":598.94,"sentiment":"neutral","sentiment_score":-0.16737710312008858}],"sentiment":"neutral","sentiment_score":-0.11853888553549659,"num_words":53,"start":575.83,"end":598.94},{"sentences":[{"text":"How we will do...","start":601.64,"end":604.94,"sentiment":"neutral","sentiment_score":0.01528769638389349},{"text":"How we recommend it occur is that we will roll over partially most of your HESTA superannuation with 10,000 being retained in HESTA until we're able to transfer over your existing insurance policies within HESTA.","start":605.08,"end":622.495,"sentiment":"neutral","sentiment_score":0.07553699176226343},{"text":"Once those insurance policies are transferred over, we'll then do a full rollover of the remaining funds closing the HESTA funds.","start":623.11,"end":631.29004,"sentiment":"neutral","sentiment_score":0.06290706335788682},{"text":"The outcomes are that investment fee wise, the HUB24 portfolio is less.","start":634.31,"end":641.825,"sentiment":"neutral","sentiment_score":0.1143261988957723},{"text":"So your investment management fees, but the admin fees are higher, which I'll talk you through shot...","start":642.445,"end":649.08496,"sentiment":"neutral","sentiment_score":-0.029232461717637145}],"sentiment":"neutral","sentiment_score":0.05506692545258262,"num_words":89,"start":601.64,"end":649.08496},{"sentences":[{"text":"Shortly.","start":649.08496,"end":649.58496,"sentiment":"neutral","sentiment_score":-0.05031786113977432},{"text":"The disadvantages is, as I mentioned, the higher administration fees of $58 per annum.","start":652.56,"end":664.26,"sentiment":"negative","sentiment_score":-0.42642726429871153},{"text":"We will apply an ongoing adviser fee, which I will talk you through as well, later on in the document.","start":664.845,"end":672.14496,"sentiment":"neutral","sentiment_score":-0.18329678513109685},{"text":"And that the recommended portfolio that I'm making a recommendation does have a higher allocation to growth assets, which does expose you to more market volatility and fluctuations over time.","start":672.76495,"end":686.05,"sentiment":"neutral","sentiment_score":-0.3036694313089053},{"text":"It does.","start":690.91,"end":691.55,"sentiment":"neutral","sentiment_score":-0.03092101216316223}],"sentiment":"neutral","sentiment_score":-0.2814650780229426,"num_words":67,"start":649.08496,"end":691.55},{"sentences":[{"text":"So compared to your HESTA, it is...","start":691.55,"end":696.125,"sentiment":"neutral","sentiment_score":-0.03891347082597869},{"text":"Let me get that exact figure.","start":696.34503,"end":697.78503,"sentiment":"neutral","sentiment_score":-0.057152762388189636},{"text":"It's a little bit further in the document, but while we're here, I'll discuss it.","start":697.78503,"end":701.16504,"sentiment":"neutral","sentiment_score":-0.026305054873228075},{"text":"So your current portfolio with HESTA has about 66% exposure to growth assets, which which doesn't really fit with your high growth investment approach and and 34% in defensive assets.","start":701.465,"end":722.115,"sentiment":"neutral","sentiment_score":-0.15990856488545735},{"text":"Our portfolio is recommending approximately 94% in growth assets with about 6% in defensive assets.","start":722.355,"end":730.77496,"sentiment":"neutral","sentiment_score":-0.08107208982110023}],"sentiment":"neutral","sentiment_score":-0.09620856146698128,"num_words":73,"start":691.55,"end":730.77496},{"sentences":[{"text":"So sitting towards more that high growth investment option.","start":731.395,"end":735.175,"sentiment":"neutral","sentiment_score":-0.06335843768384722},{"text":"Does that make sense?","start":737.93,"end":740.35,"sentiment":"neutral","sentiment_score":0.0856297928839922},{"text":"Lovely.","start":741.44995,"end":741.94995,"sentiment":"positive","sentiment_score":0.4467894434928894},{"text":"I did consider some...","start":743.37,"end":744.73,"sentiment":"neutral","sentiment_score":0.2004442922770977},{"text":"I did consider retaining your HESTA fund and investing it in a high growth option.","start":744.73,"end":752.11,"sentiment":"neutral","sentiment_score":0.052525207151969275}],"sentiment":"neutral","sentiment_score":0.05481024097764131,"num_words":33,"start":731.395,"end":752.11},{"sentences":[{"text":"Basically, I decided against that because you...","start":754.425,"end":757.305,"sentiment":"neutral","sentiment_score":-0.26141788916928427},{"text":"Again, you will be exposed to those unlisted style assets, and you you are limited in your investment options.","start":757.305,"end":764.905,"sentiment":"negative","sentiment_score":-0.3594227605744412},{"text":"So they're pooled type investments, and you are limited.","start":764.905,"end":768.85,"sentiment":"neutral","sentiment_score":-0.29843956894344753},{"text":"So that's why I decided against HESTA.","start":768.91,"end":772.05,"sentiment":"neutral","sentiment_score":-0.2631700315645763},{"text":"And I also considered another platform called MyNorth as an alternative.","start":773.71,"end":778.13,"sentiment":"neutral","sentiment_score":-0.137907301499085}],"sentiment":"neutral","sentiment_score":-0.27743555345344095,"num_words":53,"start":754.425,"end":778.13},{"sentences":[{"text":"The reason why I didn't proceed with them is that their brokerage fees...","start":778.83,"end":784.49506,"sentiment":"neutral","sentiment_score":-0.2241248508485464},{"text":"So when you...","start":784.49506,"end":785.715,"sentiment":"neutral","sentiment_score":-0.07570368548234303},{"text":"When the fund trades to buy or sell funds depending on your contributions, their fees are higher than the recommended Hub 24.","start":786.015,"end":797.27997,"sentiment":"neutral","sentiment_score":-0.1253842826594006},{"text":"So that's the...","start":800.77997,"end":801.92,"sentiment":"neutral","sentiment_score":-0.00627167879914244},{"text":"All that wording area.","start":802.38,"end":804.0,"sentiment":"neutral","sentiment_score":-0.0020787164103239775}],"sentiment":"neutral","sentiment_score":-0.1316959608449704,"num_words":45,"start":778.83,"end":804.0},{"sentences":[{"text":"If you scroll the wording, it's a concise...","start":804.06,"end":807.42,"sentiment":"neutral","sentiment_score":0.004398039716761559},{"text":"A condensed version of what's involved in that wording for the first strategy.","start":807.42,"end":812.15497,"sentiment":"neutral","sentiment_score":0.006267178114145421},{"text":"If you scroll to the fee comparison section, this is where I'm gonna talk through a little bit more.","start":812.615,"end":818.235,"sentiment":"neutral","sentiment_score":0.024699691977155835},{"text":"Yep.","start":820.13495,"end":820.63495,"sentiment":"neutral","sentiment_score":0.1356367468833923},{"text":"So, overall, you'll see that it's the admin fees that are costing you more, approximately $244 or more with your adviser service fee and the insurance premiums.","start":821.01495,"end":836.18,"sentiment":"neutral","sentiment_score":0.023434115366803274}],"sentiment":"neutral","sentiment_score":0.019916318273103303,"num_words":68,"start":804.06,"end":836.18},{"sentences":[{"text":"So when we look at that from a like from like basis, you are paying more to be in hub, and that includes the insurance premiums as well.","start":837.625,"end":849.865,"sentiment":"neutral","sentiment_score":0.03621754329651594},{"text":"So your insurance premiums actually will be cheaper, but you are gonna incur the adviser service fee, which increases the investments also...","start":849.865,"end":860.57,"sentiment":"neutral","sentiment_score":-0.043932651254263794},{"text":"Or...","start":861.59,"end":861.83,"sentiment":"neutral","sentiment_score":-0.02075492218136787},{"text":"Sorry.","start":861.83,"end":862.31,"sentiment":"neutral","sentiment_score":-0.09756297618150712},{"text":"The fees also.","start":862.31,"end":863.61005,"sentiment":"neutral","sentiment_score":-0.0943119948108991}],"sentiment":"neutral","sentiment_score":-0.006430563601580533,"num_words":55,"start":837.625,"end":863.61005},{"sentences":[{"text":"On a five year rolling average, your current fund returns approximately 6.48%.","start":865.425,"end":872.165,"sentiment":"neutral","sentiment_score":-0.051033404655754566},{"text":"In in the recommended fund that we are looking at, the five year average is 11.34%.","start":873.665,"end":880.1,"sentiment":"neutral","sentiment_score":0.015641314210370183},{"text":"What that means over the long term is as...","start":882.4,"end":885.83997,"sentiment":"neutral","sentiment_score":0.011458995648556285},{"text":"You know, your lump sum in five years is gonna be 12...","start":885.83997,"end":890.58,"sentiment":"neutral","sentiment_score":-0.005443296783293287},{"text":"Projected out to be approximately $12,000 better off, and in ten years, forty one thousand dollars better off.","start":890.72,"end":898.315,"sentiment":"neutral","sentiment_score":-0.02436437752718727}],"sentiment":"neutral","sentiment_score":-0.011386376485895754,"num_words":67,"start":865.425,"end":898.315},{"sentences":[{"text":"So, again, they're just projections based on past performance, so they don't tell us and they're not an indication for future performance, but it gives us...","start":902.775,"end":913.58,"sentiment":"neutral","sentiment_score":-0.03684247227815481},{"text":"It give...","start":914.12,"end":914.68,"sentiment":"neutral","sentiment_score":-0.030635638162493706},{"text":"It it shows that you you shouldn't be...","start":914.68,"end":917.64,"sentiment":"neutral","sentiment_score":-0.16427957080304623},{"text":"Well, not you shouldn't, but the balanced growth isn't gonna help you achieve your longer term goals.","start":917.64,"end":923.175,"sentiment":"neutral","sentiment_score":-0.19622544067747452},{"text":"You do need to have some more exposure to your high growth.","start":923.175,"end":926.15497,"sentiment":"neutral","sentiment_score":-0.19212579851349196}],"sentiment":"neutral","sentiment_score":-0.12268852608708235,"num_words":65,"start":902.775,"end":926.15497},{"sentences":[{"text":"And then even when we look down further, the annualized returns with act...","start":927.095,"end":932.935,"sentiment":"neutral","sentiment_score":-0.06775278110916798},{"text":"With a more diversified and more investment options, your portfolio is estimated to return more over the longer term.","start":932.935,"end":942.99,"sentiment":"neutral","sentiment_score":-0.0056588249771218554},{"text":"The investment options are displayed in a table.","start":947.53,"end":950.59,"sentiment":"neutral","sentiment_score":0.0689655221067369},{"text":"Can you see that?","start":951.985,"end":952.945,"sentiment":"neutral","sentiment_score":0.0472882540198043},{"text":"Have you scrolled to that section yet?","start":952.945,"end":955.125,"sentiment":"neutral","sentiment_score":0.009051714358585221}],"sentiment":"neutral","sentiment_score":-0.0036091105008096086,"num_words":51,"start":927.095,"end":955.125},{"sentences":[{"text":"Yep.","start":955.185,"end":955.685,"sentiment":"neutral","sentiment_score":0.11871564388275146},{"text":"Lovely.","start":958.945,"end":959.445,"sentiment":"positive","sentiment_score":0.6767160296440125},{"text":"So the portfolio I'm recommending is that you'll have some cybersecurity exposure, which is what we call a satellite investment.","start":959.82495,"end":968.57,"sentiment":"neutral","sentiment_score":0.1712118037045002},{"text":"So it sits around the core investment options, which are your iShares S and P 500 and the beta shares Australian 200.","start":968.57,"end":976.99,"sentiment":"neutral","sentiment_score":0.12924248149449175},{"text":"And all all the others are your satellites, so they sit around being your further diversification.","start":977.61,"end":984.725,"sentiment":"neutral","sentiment_score":0.10115020116791129}],"sentiment":"neutral","sentiment_score":0.14469009265303612,"num_words":60,"start":955.185,"end":984.725},{"sentences":[{"text":"So you've got some further diversification in cybersecurity, Europe, Japan, and the...","start":985.26495,"end":992.40497,"sentiment":"neutral","sentiment_score":0.056056951017429434},{"text":"All world excluding US with the iShares S and P being your US, a little bit of physical gold exposure, and the iShares core composite bond is your different...","start":993.105,"end":1003.56,"sentiment":"neutral","sentiment_score":0.012933439944453281},{"text":"Your major defensive part of your portfolio.","start":1003.56,"end":1006.22,"sentiment":"neutral","sentiment_score":0.01896954913224493},{"text":"The portfolio is designed to give you different economy diversification, so being Europe, Japan, and all world, which gives you the exposure to all the economies through a diversified manner.","start":1009.335,"end":1026.27,"sentiment":"neutral","sentiment_score":0.15214997405807176},{"text":"The asset allocation is the next page, and that's where I I referred to earlier with the the difference between the balance growth and the high growth approach.","start":1029.85,"end":1039.365,"sentiment":"neutral","sentiment_score":0.03534829669765064}],"sentiment":"neutral","sentiment_score":0.06353576928113569,"num_words":106,"start":985.26495,"end":1039.365},{"sentences":[{"text":"So you'll see existing is you're sitting at about 66 and then 34 for gross first assets.","start":1039.825,"end":1046.725,"sentiment":"neutral","sentiment_score":0.03017133868792478},{"text":"We're recommending a 94 to a 6% allocation just to be in line with that high growth investment portfolio, which will allow you the long term growth.","start":1047.265,"end":1059.14,"sentiment":"neutral","sentiment_score":0.13327006912893719},{"text":"And as we've discussed before, you you do...","start":1059.14,"end":1061.88,"sentiment":"neutral","sentiment_score":0.023239772650413215},{"text":"With your superannuation, legally, you're unable to access it until you're 60 years of all age based on today's legislation.","start":1062.18,"end":1068.995,"sentiment":"neutral","sentiment_score":-0.266937006264925},{"text":"So you do have time on your side again to take that higher risk.","start":1069.695,"end":1075.395,"sentiment":"neutral","sentiment_score":-0.22178917537842477}],"sentiment":"neutral","sentiment_score":-0.04821704389787344,"num_words":86,"start":1039.825,"end":1075.395},{"sentences":[{"text":"Any questions about that?","start":1077.375,"end":1078.835,"sentiment":"neutral","sentiment_score":-0.023903260473161936},{"text":"No.","start":1081.55,"end":1082.05,"sentiment":"neutral","sentiment_score":-0.1577724665403366},{"text":"We we definitely recommend.","start":1084.5901,"end":1086.2101,"sentiment":"positive","sentiment_score":0.3906787112355232},{"text":"So there's...","start":1086.3501,"end":1086.9901,"sentiment":"neutral","sentiment_score":0.06966231390833855},{"text":"You're not needing to sign this today.","start":1086.9901,"end":1089.4701,"sentiment":"neutral","sentiment_score":-0.04644876771739551}],"sentiment":"neutral","sentiment_score":0.062417366128000945,"num_words":18,"start":1077.375,"end":1089.4701},{"sentences":[{"text":"We absolutely...","start":1089.4701,"end":1090.3701,"sentiment":"neutral","sentiment_score":0.052391596138477325},{"text":"I'm running through it to give you the the...","start":1090.5901,"end":1095.5751,"sentiment":"neutral","sentiment_score":-0.008728286316100922},{"text":"Yeah.","start":1095.9551,"end":1096.3551,"sentiment":"neutral","sentiment_score":0.05436132103204727},{"text":"And then we definitely recommend you read through that.","start":1096.3551,"end":1099.175,"sentiment":"neutral","sentiment_score":0.23703410890367296},{"text":"The next section is the sari sacrifice.","start":1101.0751,"end":1103.495,"sentiment":"neutral","sentiment_score":-0.13685938077313559}],"sentiment":"neutral","sentiment_score":0.0448529018280429,"num_words":28,"start":1089.4701,"end":1103.495},{"sentences":[{"text":"So rather...","start":1103.875,"end":1104.435,"sentiment":"neutral","sentiment_score":0.0156381968408823},{"text":"And the only reason that we changed it to a sari sacrifice and after tax contributions is for efficiency on your behalf.","start":1104.435,"end":1113.95,"sentiment":"neutral","sentiment_score":0.17949937216260217},{"text":"You're you're not needing to set this up.","start":1113.95,"end":1115.63,"sentiment":"neutral","sentiment_score":0.22749694623053074},{"text":"Your employer will do it on your behalf.","start":1115.63,"end":1117.49,"sentiment":"positive","sentiment_score":0.3494306653738022},{"text":"The taxable outcome is still the same as you'll see in that table.","start":1118.03,"end":1122.45,"sentiment":"positive","sentiment_score":0.34916411569485295}],"sentiment":"neutral","sentiment_score":0.24782673543635406,"num_words":53,"start":1103.875,"end":1122.45},{"sentences":[{"text":"It's just that you're gonna do it via by two diff...","start":1122.725,"end":1126.005,"sentiment":"neutral","sentiment_score":0.14314236331053756},{"text":"By a different contribution method.","start":1126.005,"end":1128.8251,"sentiment":"neutral","sentiment_score":0.010879375785589219},{"text":"Yes.","start":1140.01,"end":1140.51,"sentiment":"neutral","sentiment_score":0.1731187105178833},{"text":"Exactly.","start":1140.97,"end":1141.47,"sentiment":"neutral","sentiment_score":0.2756662964820862},{"text":"Yep.","start":1141.53,"end":1142.03,"sentiment":"neutral","sentiment_score":0.2778630554676056}],"sentiment":"neutral","sentiment_score":0.12397952304270707,"num_words":19,"start":1122.725,"end":1142.03},{"sentences":[{"text":"Yep.","start":1142.1699,"end":1142.6699,"sentiment":"neutral","sentiment_score":0.2552044987678528},{"text":"And it it...","start":1143.0499,"end":1144.4099,"sentiment":"neutral","sentiment_score":0.1685973381002744},{"text":"The only...","start":1144.4099,"end":1144.99,"sentiment":"neutral","sentiment_score":0.0693943127989769},{"text":"The outcome and the benefits are the same of doing both.","start":1145.2899,"end":1148.51,"sentiment":"positive","sentiment_score":0.4385729296640916},{"text":"It's just that you won't have to do it yourself efficiency wise.","start":1148.8099,"end":1154.0651,"sentiment":"positive","sentiment_score":0.3389800613125165}],"sentiment":"positive","sentiment_score":0.3376499345076495,"num_words":29,"start":1142.1699,"end":1154.0651},{"sentences":[{"text":"It's there and it's set up.","start":1155.085,"end":1158.145,"sentiment":"positive","sentiment_score":0.4202615221341451},{"text":"Yeah.","start":1162.88,"end":1163.2,"sentiment":"neutral","sentiment_score":0.16904962062835693},{"text":"Yep.","start":1163.2,"end":1163.5199,"sentiment":"neutral","sentiment_score":0.16823357343673706},{"text":"Just...","start":1163.5199,"end":1163.84,"sentiment":"neutral","sentiment_score":0.08939692378044128},{"text":"We've just recommended the same amount that you're currently doing so that there's no change to your personal cash flow impacts.","start":1163.84,"end":1171.86,"sentiment":"neutral","sentiment_score":0.14509783862602144}],"sentiment":"neutral","sentiment_score":0.1998434620598952,"num_words":30,"start":1155.085,"end":1171.86},{"sentences":[{"text":"Yeah.","start":1175.84,"end":1176.34,"sentiment":"positive","sentiment_score":0.412423312664032},{"text":"Yeah.","start":1176.64,"end":1177.14,"sentiment":"positive","sentiment_score":0.41639959812164307},{"text":"It's much more easier, and you don't have to worry about it then.","start":1177.5851,"end":1180.5651,"sentiment":"positive","sentiment_score":0.5994860713298504},{"text":"The next...","start":1184.385,"end":1185.1051,"sentiment":"neutral","sentiment_score":0.17273975163698196},{"text":"And and the document there will go through...","start":1185.1051,"end":1187.505,"sentiment":"neutral","sentiment_score":0.08009102288633585}],"sentiment":"positive","sentiment_score":0.38433398097753524,"num_words":25,"start":1175.84,"end":1187.505},{"sentences":[{"text":"The the next couple of pages of that will go through the advantages and disadvantages.","start":1187.505,"end":1191.2051,"sentiment":"neutral","sentiment_score":0.04999964237213135},{"text":"Again, they're the same as you're currently doing now.","start":1192.02,"end":1194.92,"sentiment":"neutral","sentiment_score":0.17761773450507057},{"text":"It's just a different type of...","start":1196.42,"end":1198.66,"sentiment":"neutral","sentiment_score":-0.004439534309009711},{"text":"It's just a different way of making that contribution.","start":1198.66,"end":1200.8401,"sentiment":"neutral","sentiment_score":0.005340961532460319},{"text":"The next part is where I'm gonna spend probably a fair a a decent amount of our time just to go through the insurances.","start":1204.18,"end":1211.785,"sentiment":"neutral","sentiment_score":0.16916010963420072}],"sentiment":"neutral","sentiment_score":0.1020607670680398,"num_words":63,"start":1187.505,"end":1211.785},{"sentences":[{"text":"I know we spoke previously, and we did the pre assessment in relation to the BMI and what insurance terms retail funds would provide.","start":1212.965,"end":1225.2101,"sentiment":"neutral","sentiment_score":0.1193447457626462},{"text":"So what we've done is we've tried to be a little bit creative to get you as much cover as possible.","start":1225.8301,"end":1231.37,"sentiment":"neutral","sentiment_score":0.2268861427548386},{"text":"So what we have recommended is when you apply when you apply for your cover with hub twenty four, there's a group insurance option that allows you to have $200,000 life insurance and $200,000 TPD insurance, which is the TPD you don't currently hold.","start":1233.5549,"end":1252.4199,"sentiment":"neutral","sentiment_score":0.08813264991410753},{"text":"And that premium's $8.03 a month.","start":1254.5599,"end":1257.6799,"sentiment":"neutral","sentiment_score":-0.0026146864984184504},{"text":"Now with group insurance, there's always the exclusion for preexisting conditions.","start":1257.6799,"end":1264.115,"sentiment":"neutral","sentiment_score":-0.20489827611229636}],"sentiment":"neutral","sentiment_score":0.08714292769952905,"num_words":106,"start":1212.965,"end":1264.115},{"sentences":[{"text":"So an example of that might be...","start":1264.495,"end":1266.915,"sentiment":"neutral","sentiment_score":-0.07044286600181035},{"text":"What's something I can think of?","start":1269.615,"end":1271.5549,"sentiment":"neutral","sentiment_score":-0.11778730899095535},{"text":"If you had type one diabetes, for example, that would be excluded from being claimable on the life and TPD insurance under a group, which is the same as your cover within HESTA at the moment anyhow.","start":1275.615,"end":1290.51,"sentiment":"neutral","sentiment_score":-0.14382856822497136},{"text":"So what we've recommended is that goes through no underwriting.","start":1291.9349,"end":1296.595,"sentiment":"neutral","sentiment_score":0.1181929051876068},{"text":"So you're automatically...","start":1296.815,"end":1297.635,"sentiment":"neutral","sentiment_score":0.06076052909096082}],"sentiment":"neutral","sentiment_score":-0.08186143335132372,"num_words":63,"start":1264.495,"end":1297.635},{"sentences":[{"text":"When the forms are ready and if you decide, you...","start":1298.895,"end":1302.095,"sentiment":"neutral","sentiment_score":0.03783441307023168},{"text":"We will automatically request that cover be put in place, and that will cost $8.03 per month.","start":1302.095,"end":1309.8999,"sentiment":"neutral","sentiment_score":0.08615908640272477},{"text":"The next the next part is is that we're going to apply to transfer your existing life cover of a 134,990 over to Hub from HESTA.","start":1311.5599,"end":1324.3251,"sentiment":"neutral","sentiment_score":0.049868396698282316},{"text":"And, also, your income protection policy within HESTA that has been automatically applied, it's only for $1,000 a month.","start":1325.505,"end":1335.525,"sentiment":"neutral","sentiment_score":0.054511411605696926},{"text":"It does have a ninety day waiting period and a five year benefit period, but we believe some cover's better than none.","start":1336.14,"end":1343.8401,"sentiment":"neutral","sentiment_score":0.03860817206176845}],"sentiment":"neutral","sentiment_score":0.0534545055273524,"num_words":94,"start":1298.895,"end":1343.8401},{"sentences":[{"text":"And that...","start":1344.7001,"end":1345.4401,"sentiment":"neutral","sentiment_score":-0.0014573140069842339},{"text":"And when we transfer that over to hub twenty four, that's expected to cost you about $6.99 per month.","start":1345.5801,"end":1352.5651,"sentiment":"neutral","sentiment_score":-0.005781452514623341},{"text":"So what it means overall is you're gonna have about 300,000...","start":1353.105,"end":1357.605,"sentiment":"neutral","sentiment_score":0.011493546549569477},{"text":"$303,334,990 dollars in life insurance, $200,000 in TPD insurance, and income protection with 100...","start":1357.745,"end":1371.41,"sentiment":"neutral","sentiment_score":0.009969833706106459},{"text":"With $1,000 per month and ninety day wait and a five year benefit period.","start":1371.4701,"end":1376.13,"sentiment":"neutral","sentiment_score":-0.007168718746730259}],"sentiment":"neutral","sentiment_score":0.0008813732614119848,"num_words":60,"start":1344.7001,"end":1376.13},{"sentences":[{"text":"So, again, they're all they're all group covers.","start":1376.75,"end":1379.5701,"sentiment":"neutral","sentiment_score":0.019539939472451806},{"text":"So any preexisting conditions that you may have would be excluded from claim.","start":1379.825,"end":1385.845,"sentiment":"neutral","sentiment_score":-0.14402221888303757},{"text":"So do you have any preexisting conditions that you could think of?","start":1385.905,"end":1389.125,"sentiment":"neutral","sentiment_score":-0.05202663876116276},{"text":"Nope.","start":1391.745,"end":1392.245,"sentiment":"neutral","sentiment_score":-0.3165857493877411},{"text":"Yeah.","start":1394.945,"end":1395.39,"sentiment":"neutral","sentiment_score":-0.10071855038404463}],"sentiment":"neutral","sentiment_score":-0.07878837984587465,"num_words":35,"start":1376.75,"end":1395.39},{"sentences":[{"text":"Yeah.","start":1397.31,"end":1397.81,"sentiment":"positive","sentiment_score":0.3581458032131195},{"text":"Absolutely fine.","start":1397.87,"end":1399.17,"sentiment":"positive","sentiment_score":0.5876658856868744},{"text":"So that's what we thought would be the the most cost effective approach.","start":1399.63,"end":1406.77,"sentiment":"positive","sentiment_score":0.3772532275089851},{"text":"Now we did...","start":1407.47,"end":1408.35,"sentiment":"neutral","sentiment_score":0.048282116651535034},{"text":"In our in our time, we did talk about the levels of cover that you needed or that you wanted for your daughter, and that came out at sitting about a need for life insurance of about $940,000 as well as the same amount for TPD.","start":1408.35,"end":1426.8201,"sentiment":"neutral","sentiment_score":-0.03915833762806395}],"sentiment":"neutral","sentiment_score":0.07355895925026673,"num_words":65,"start":1397.31,"end":1426.8201},{"sentences":[{"text":"Now we can't get you that level of TPD cover at the moment.","start":1427.4401,"end":1432.18,"sentiment":"neutral","sentiment_score":-0.14994616176073366},{"text":"The max we can do is that that group cover.","start":1432.9601,"end":1435.9401,"sentiment":"neutral","sentiment_score":-0.03900981992483139},{"text":"We can look at applying for that $940,000 of retail cover for life insurance, but it will have a loading of between a 150 and a 175%.","start":1436.415,"end":1452.81,"sentiment":"neutral","sentiment_score":-0.06761288477314843},{"text":"The retail insurers have declined TPD trauma and income protection in full, so we're unable to get you those covers through retail insurers.","start":1454.23,"end":1463.4501,"sentiment":"neutral","sentiment_score":-0.29380354997904407},{"text":"So what I've included in this document, once you have a read over it, is that we can apply for the the retail life insurance of $940,000.","start":1465.045,"end":1478.8251,"sentiment":"neutral","sentiment_score":0.05872373551958137}],"sentiment":"neutral","sentiment_score":-0.09336886981502175,"num_words":100,"start":1427.4401,"end":1478.8251},{"sentences":[{"text":"It does take up approximate...","start":1479.6201,"end":1481.7201,"sentiment":"neutral","sentiment_score":0.024235722608864307},{"text":"The cost of it would be equivalent to an estimated 10% of your annual super guarantee contribution, but it will provide you with that higher level of cover.","start":1481.9401,"end":1493.56,"sentiment":"neutral","sentiment_score":-0.03537639230489731},{"text":"So I have included it in there should you wish to do that for you to have a read over.","start":1493.735,"end":1499.435,"sentiment":"neutral","sentiment_score":0.09196992907673121},{"text":"But we also did talk about your desire for trauma insurance, which is we did a needs analysis of a $145,000.","start":1500.2151,"end":1510.0901,"sentiment":"neutral","sentiment_score":-0.050914407308612554},{"text":"Unfortunately, until your weight...","start":1510.63,"end":1512.79,"sentiment":"neutral","sentiment_score":-0.16833415254950523}],"sentiment":"neutral","sentiment_score":-0.009903858379962353,"num_words":78,"start":1479.6201,"end":1512.79},{"sentences":[{"text":"Like we discussed earlier, until your weight loss journey has completed, I can't obtain that cover on your behalf as well as the income protection at need of $4,783 per month.","start":1512.79,"end":1528.615,"sentiment":"neutral","sentiment_score":-0.3284069516005055},{"text":"So you are gonna have a shortfall there in your income protection until where your BMI does reduce.","start":1528.755,"end":1536.58,"sentiment":"neutral","sentiment_score":-0.3008512142631743},{"text":"Any questions?","start":1538.64,"end":1539.52,"sentiment":"neutral","sentiment_score":-0.09717459976673126},{"text":"Because that's a lot of information I just downloaded on you.","start":1539.52,"end":1542.58,"sentiment":"neutral","sentiment_score":-0.188283540985801},{"text":"Okay.","start":1549.215,"end":1549.715,"sentiment":"neutral","sentiment_score":0.01192665845155716}],"sentiment":"neutral","sentiment_score":-0.2833250610837861,"num_words":63,"start":1512.79,"end":1549.715},{"sentences":[{"text":"So, yeah, I just wanted to make sure that, like, with the insurance, there is definitely gonna be a shortfall in your needs.","start":1549.935,"end":1556.655,"sentiment":"neutral","sentiment_score":-0.20437264329065447},{"text":"Like, you're not gonna be fully insured at this point in time with what you need.","start":1556.655,"end":1561.25,"sentiment":"neutral","sentiment_score":-0.216064658947289},{"text":"We we are restricted, unfortunately, due to the insurance companies, but what we've tried to do is get as much cover as possible without impacting your superannuation balance as much as possible.","start":1562.75,"end":1576.605,"sentiment":"neutral","sentiment_score":-0.13682939438149333},{"text":"So have a read through it, and, yeah, it's it's all in there for you to ex...","start":1576.905,"end":1583.385,"sentiment":"neutral","sentiment_score":0.01750228280091987},{"text":"For you to understand and make a dis...","start":1583.385,"end":1586.025,"sentiment":"neutral","sentiment_score":-0.036329230992123485}],"sentiment":"neutral","sentiment_score":-0.1305129270767793,"num_words":96,"start":1549.935,"end":1586.025},{"sentences":[{"text":"An informed decision on that.","start":1586.025,"end":1587.805,"sentiment":"neutral","sentiment_score":0.0442610077559948},{"text":"The next part is just establishing a beneficiary nomination.","start":1592.9501,"end":1597.13,"sentiment":"neutral","sentiment_score":0.20621219111813438},{"text":"So within Hub, make a non lapsing beneficiary nomination to your daughter.","start":1597.51,"end":1603.37,"sentiment":"neutral","sentiment_score":0.16833756615718207},{"text":"I've included some information in here about minor beneficiary death benefit considerations.","start":1605.185,"end":1612.245,"sentiment":"neutral","sentiment_score":0.09127403143793344},{"text":"So have a read through those.","start":1613.185,"end":1614.885,"sentiment":"neutral","sentiment_score":0.03194952290505171}],"sentiment":"neutral","sentiment_score":0.12236934244124727,"num_words":44,"start":1586.025,"end":1614.885},{"sentences":[{"text":"Yep.","start":1616.0651,"end":1616.5651,"sentiment":"neutral","sentiment_score":0.10476692020893096},{"text":"Just to make sure that you're happy with that, if any further considerations need to be made about estate planning and how that will work with your estate planning.","start":1617.47,"end":1629.25,"sentiment":"neutral","sentiment_score":0.19072402885247922},{"text":"And, additionally, the next the next two are for you to establish a will and power of attorney.","start":1631.325,"end":1638.225,"sentiment":"neutral","sentiment_score":0.04848117888387707},{"text":"Obviously, not having those in place means that you're in and out from a will perspective that your wishes may not be addressed as it would fall under a public trustee likely to make those decisions for you.","start":1642.365,"end":1660.12,"sentiment":"neutral","sentiment_score":-0.04741476745785851},{"text":"And with the power of attorney, if anything was to happen to you while you're alive and you're unable to make decisions, there's no one nominated to do that on your behalf.","start":1661.445,"end":1671.065,"sentiment":"neutral","sentiment_score":-0.012671080330619588}],"sentiment":"neutral","sentiment_score":0.036450756295442074,"num_words":118,"start":1616.0651,"end":1671.065},{"sentences":[{"text":"The next section is our ongoing services.","start":1674.23,"end":1676.6499,"sentiment":"neutral","sentiment_score":0.07491026978407588},{"text":"So it does explain to you what your fees cover.","start":1677.0299,"end":1681.45,"sentiment":"neutral","sentiment_score":0.10475769266486168},{"text":"Again, the recommendation, the implementation of it, your regular reviews, and depending on the frequency of whether you want them to be annually or biannually.","start":1682.5499,"end":1694.205,"sentiment":"neutral","sentiment_score":0.09308669403195381},{"text":"And also as your situation changes, it is we're here for anything for you to contact us and reach out.","start":1696.425,"end":1704.8999,"sentiment":"neutral","sentiment_score":0.13147185370326042},{"text":"So we're we're abreast of what's going on.","start":1704.8999,"end":1707.7799,"sentiment":"neutral","sentiment_score":0.17664782516658306}],"sentiment":"neutral","sentiment_score":0.11345336916191237,"num_words":70,"start":1674.23,"end":1707.7799},{"sentences":[{"text":"And if there's any changes that you need made, we can action those for you.","start":1707.7799,"end":1712.1799,"sentiment":"neutral","sentiment_score":0.15823965122302372},{"text":"So you're not limited...","start":1712.1799,"end":1713.24,"sentiment":"neutral","sentiment_score":0.05715286219492555},{"text":"Basically, what I'm saying is is you're not limited to just your reviews.","start":1713.2999,"end":1716.495,"sentiment":"neutral","sentiment_score":0.03355882803981121},{"text":"Yeah.","start":1720.575,"end":1721.055,"sentiment":"neutral","sentiment_score":0.26294803619384766},{"text":"Yeah.","start":1721.055,"end":1721.555,"sentiment":"neutral","sentiment_score":0.21259862184524536}],"sentiment":"neutral","sentiment_score":0.10335345999063815,"num_words":34,"start":1707.7799,"end":1721.555},{"sentences":[{"text":"The next couple of pages is just important information.","start":1722.895,"end":1725.795,"sentiment":"neutral","sentiment_score":0.12300342652532789},{"text":"So the next step is you read through this and make an informed decision.","start":1726.335,"end":1731.37,"sentiment":"neutral","sentiment_score":0.22285922936030797},{"text":"If we need to have another meeting after you've had to read through it to go through any questions, absolutely fine.","start":1731.37,"end":1736.99,"sentiment":"neutral","sentiment_score":0.19901829887004124},{"text":"Approved product list is we've got an open APL, which means we can invest and recommend in whatever is approved by our licensee.","start":1738.89,"end":1749.755,"sentiment":"positive","sentiment_score":0.3527085949545321},{"text":"Product disclosure statements, product disclosure information, which they're all attached to the email that you received as well.","start":1751.255,"end":1758.63,"sentiment":"neutral","sentiment_score":0.13193775196042326}],"sentiment":"neutral","sentiment_score":0.22227790053276456,"num_words":85,"start":1722.895,"end":1758.63},{"sentences":[{"text":"And then the next section is the fees.","start":1760.2101,"end":1761.9701,"sentiment":"neutral","sentiment_score":0.02926589618436992},{"text":"So this section is a clear outline of the fees being paid.","start":1761.9701,"end":1767.67,"sentiment":"neutral","sentiment_score":0.05972414929419756},{"text":"So to implement this plan, the fee you can...","start":1768.165,"end":1771.685,"sentiment":"neutral","sentiment_score":0.03628611957861318},{"text":"You will incur is $1,825 from us, and we can...","start":1771.685,"end":1776.885,"sentiment":"neutral","sentiment_score":-0.05012308806180954},{"text":"We will deduct that from your superannuation fund.","start":1776.885,"end":1779.785,"sentiment":"neutral","sentiment_score":-0.06603116961196065}],"sentiment":"neutral","sentiment_score":0.005274719142533363,"num_words":47,"start":1760.2101,"end":1779.785},{"sentences":[{"text":"And then the ongoing fee is set at 1.65% of your super balance.","start":1780.5801,"end":1786.02,"sentiment":"neutral","sentiment_score":0.019437126242197476},{"text":"So annually, it is set for the next twelve months to be $979, and each twelve months that is then reviewed and reset.","start":1786.02,"end":1795.225,"sentiment":"neutral","sentiment_score":0.023737902550593666},{"text":"You sign off on a piece of paper confirming that you wanna continue, so it doesn't automatically roll over.","start":1795.225,"end":1801.725,"sentiment":"neutral","sentiment_score":0.025650320280539363},{"text":"Yeah.","start":1806.825,"end":1807.325,"sentiment":"neutral","sentiment_score":0.05170025676488876},{"text":"Following that is a a outline of our...","start":1808.13,"end":1811.91,"sentiment":"neutral","sentiment_score":0.040474278619512916}],"sentiment":"neutral","sentiment_score":0.025961015169741586,"num_words":64,"start":1780.5801,"end":1811.91},{"sentences":[{"text":"Just a summary again of the costs and, additionally, how to implement our advice.","start":1812.37,"end":1818.05,"sentiment":"neutral","sentiment_score":0.07325067158256258},{"text":"So it's a step by step process of all the things that need to be done.","start":1818.05,"end":1821.75,"sentiment":"neutral","sentiment_score":0.15512347174808383},{"text":"The last page requires your signature.","start":1822.925,"end":1827.245,"sentiment":"neutral","sentiment_score":0.08968886857231458},{"text":"So when you've read it, you've asked any questions, you're happy, whatever it is that you decide to do, you would sign that page and date it, and you'll note that there's a spare box above.","start":1827.245,"end":1838.32,"sentiment":"neutral","sentiment_score":0.18573669934024414},{"text":"If there was an air...","start":1838.78,"end":1840.06,"sentiment":"neutral","sentiment_score":0.008329711481928825}],"sentiment":"neutral","sentiment_score":0.13991932331451348,"num_words":77,"start":1812.37,"end":1840.06},{"sentences":[{"text":"If there was something you did not wish to proceed with, that's where you'd type it.","start":1840.06,"end":1843.98,"sentiment":"neutral","sentiment_score":-0.08997184480540454},{"text":"So, for example, if you decided you didn't want to nominate your daughter as your beneficiary, you wanted it to pay your estate instead, that's where you'd type it.","start":1843.98,"end":1854.565,"sentiment":"neutral","sentiment_score":-0.00418186503269806},{"text":"So any changes to the advice.","start":1854.565,"end":1856.505,"sentiment":"neutral","sentiment_score":-0.004980435284475486},{"text":"And the last...","start":1857.765,"end":1858.505,"sentiment":"neutral","sentiment_score":0.019871172805627186},{"text":"Yeah.","start":1859.765,"end":1860.005,"sentiment":"neutral","sentiment_score":0.11358440667390823}],"sentiment":"neutral","sentiment_score":-0.025772877990014174,"num_words":55,"start":1840.06,"end":1860.005},{"sentences":[{"text":"And the last page is my advice declaration.","start":1860.005,"end":1862.6649,"sentiment":"neutral","sentiment_score":0.11783409304916859},{"text":"So just explaining that it's accurate.","start":1862.725,"end":1866.9049,"sentiment":"neutral","sentiment_score":0.18800289432207742},{"text":"I am authorized, all those sorts of things.","start":1868.29,"end":1872.15,"sentiment":"neutral","sentiment_score":0.09603174356743693},{"text":"And the last document that I...","start":1874.53,"end":1876.39,"sentiment":"neutral","sentiment_score":0.013724783551879227},{"text":"Sorry?","start":1877.25,"end":1877.75,"sentiment":"neutral","sentiment_score":-0.12682987749576569}],"sentiment":"neutral","sentiment_score":0.09636078905795925,"num_words":29,"start":1860.005,"end":1877.75},{"sentences":[{"text":"The last one is just the appendix to the statement of advice.","start":1881.195,"end":1884.1549,"sentiment":"neutral","sentiment_score":0.055256158423920475},{"text":"So just to run over this one quickly, table of contents.","start":1884.1549,"end":1888.575,"sentiment":"neutral","sentiment_score":0.08515203676440498},{"text":"The first the first page is the risk profile, so it shows the different types of risk profiles that we act by.","start":1888.7949,"end":1896.12,"sentiment":"neutral","sentiment_score":0.06589089672673833},{"text":"So you'll see your high growth one is there on the second last left hand side...","start":1896.12,"end":1901.8,"sentiment":"neutral","sentiment_score":0.08628134848549962},{"text":"Right hand side of the column, and then important relationships and information.","start":1901.8,"end":1908.38,"sentiment":"neutral","sentiment_score":0.060620227518181004}],"sentiment":"neutral","sentiment_score":0.07064781286945082,"num_words":73,"start":1881.195,"end":1908.38},{"sentences":[{"text":"So probably one of the the most important sections of this is the currency of the SOA.","start":1908.4401,"end":1914.375,"sentiment":"neutral","sentiment_score":0.11782244899693657},{"text":"So we need you to sign it if you wish to proceed within sixty days as...","start":1914.4349,"end":1920.215,"sentiment":"neutral","sentiment_score":0.04630776584963314},{"text":"The reason being is people's situations can change in that time frame.","start":1920.995,"end":1924.915,"sentiment":"neutral","sentiment_score":-0.1358354048182567},{"text":"So after sixty days, we just need to redo the process again.","start":1924.915,"end":1930.07,"sentiment":"neutral","sentiment_score":-0.11163414735347033},{"text":"There's there's...","start":1931.57,"end":1932.87,"sentiment":"neutral","sentiment_score":-0.10779062286019325}],"sentiment":"neutral","sentiment_score":-0.007479830258289131,"num_words":59,"start":1908.4401,"end":1932.87},{"sentences":[{"text":"Yep.","start":1933.65,"end":1934.15,"sentiment":"neutral","sentiment_score":-0.0403958261013031},{"text":"There's no product guarantee, so we obviously can't, you know, say it's gonna be great forever.","start":1934.29,"end":1940.605,"sentiment":"neutral","sentiment_score":-0.21458932757377625},{"text":"But that's the purpose of our reviews where we review regularly, make changes where required.","start":1941.865,"end":1948.5249,"sentiment":"neutral","sentiment_score":-0.028722613801558813},{"text":"There's also investment links to the recommended investment options.","start":1952.745,"end":1957.14,"sentiment":"neutral","sentiment_score":0.1527988687157631},{"text":"So if you have trouble sleeping, have a rate of those.","start":1957.28,"end":1960.5801,"sentiment":"neutral","sentiment_score":0.02010045742446726}],"sentiment":"neutral","sentiment_score":-0.04439171969604034,"num_words":52,"start":1933.65,"end":1960.5801},{"sentences":[{"text":"And then and then we've had...","start":1961.2001,"end":1964.64,"sentiment":"neutral","sentiment_score":0.017214248965804774},{"text":"We've completed a like for like for you.","start":1964.64,"end":1966.4801,"sentiment":"neutral","sentiment_score":0.13132148794829845},{"text":"So if you stay with HESTA and go for a high growth option versus the recommended hub 24, what I've recommended high growth option, it just gives you the difference there.","start":1966.4801,"end":1976.755,"sentiment":"neutral","sentiment_score":0.12331053951094227},{"text":"So, again, it's still gonna cost you more in fees because of our advice fee, but it does tell you the difference.","start":1976.755,"end":1987.6,"sentiment":"neutral","sentiment_score":0.009928613223812797},{"text":"So lump sum difference in five years would be 5,000, and then in in ten years, 21,000 with rough figures.","start":1987.6,"end":1996.5,"sentiment":"neutral","sentiment_score":0.059912722744047645}],"sentiment":"neutral","sentiment_score":0.07348469043707197,"num_words":87,"start":1961.2001,"end":1996.5},{"sentences":[{"text":"The last two pages, sorry, it it just explains the investment return methodology, how that's calculated, and then life and...","start":1998.245,"end":2007.765,"sentiment":"neutral","sentiment_score":0.08836766686290502},{"text":"How life insurance through superannuation works.","start":2007.765,"end":2010.485,"sentiment":"neutral","sentiment_score":0.07914403701821963},{"text":"So that's information there for you.","start":2010.485,"end":2012.905,"sentiment":"neutral","sentiment_score":0.19017333537340164},{"text":"Any questions?","start":2013.27,"end":2013.93,"sentiment":"neutral","sentiment_score":0.04180240444839001},{"text":"You are absolutely fine.","start":2025.03,"end":2026.63,"sentiment":"positive","sentiment_score":0.7811022251844406}],"sentiment":"neutral","sentiment_score":0.173454507401115,"num_words":38,"start":1998.245,"end":2026.63},{"sentences":[{"text":"And then also attached to that link, that email that we sent through was the product disclosure statements for hub twenty four and the group insurance as well as, again, our FSG.","start":2026.63,"end":2037.345,"sentiment":"neutral","sentiment_score":0.16101521160453558},{"text":"So have a read of the advice.","start":2038.365,"end":2042.4,"sentiment":"neutral","sentiment_score":0.18921588361263275},{"text":"Again, if you have any questions, please reach out.","start":2042.7,"end":2045.6,"sentiment":"neutral","sentiment_score":0.1054005804989073},{"text":"And did you want me to follow you up at any point in time?","start":2046.62,"end":2050.0,"sentiment":"neutral","sentiment_score":0.04910813458263874},{"text":"One week?","start":2053.02,"end":2053.84,"sentiment":"neutral","sentiment_score":-0.14839579164981842}],"sentiment":"neutral","sentiment_score":0.12213008565595374,"num_words":64,"start":2026.63,"end":2053.84},{"sentences":[{"text":"Absolutely.","start":2062.035,"end":2062.535,"sentiment":"positive","sentiment_score":0.5273709297180176},{"text":"And, again, any questions, please reach out.","start":2062.595,"end":2065.335,"sentiment":"neutral","sentiment_score":0.1775706484913826},{"text":"Thanks, Kat.","start":2068.9768,"end":2069.5369,"sentiment":"positive","sentiment_score":0.7324053645133972},{"text":"I appreciate your time.","start":2069.5369,"end":2070.4167,"sentiment":"positive","sentiment_score":0.7595851570367813},{"text":"Enjoy your weekend.","start":2070.4167,"end":2071.317,"sentiment":"positive","sentiment_score":0.7899322509765625}],"sentiment":"positive","sentiment_score":0.5084302105447825,"num_words":17,"start":2062.035,"end":2071.317},{"sentences":[{"text":"Bye.","start":2073.7769,"end":2074.2769,"sentiment":"neutral","sentiment_score":-0.11224643886089324}],"sentiment":"neutral","sentiment_score":-0.11224643886089324,"num_words":1,"start":2073.7769,"end":2074.2769}]}}]},{"alternatives":[{"transcript":"Hey, Jenna. I've got Kat on the phone for you. No. Not a problem. You good for me to transfer her through? I've not ID'd her, but I don't... Yep. Yeah. You feel free to do it, but I also don't believe we have to because she's technically not a client of yours yet, but you are about to go through the statement of advice, so it makes sense. Stunning. You've got her in 321. I'm good. I'm so sorry I can't wait for your call. I've just been inundated at work. But, yeah, I I have time now. Good. The interest rate increase is just making life so hard, but I'm I'm getting through with it. Yeah. Yeah. That's fine. Yeah. Sure. No worries. My name is Katya. 08/04/1994. 90 Gowling Avenue In Wallow 3750. Yes. Yep. Yes. I have the phone now. Okay. No worries. Okay. Cool. Have you sent it? Yep. Yeah. Oh, yep. I can see the sign. Click to start. Okay. Cool. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Of course. Yep. Yeah. Mhmm. Mhmm. Let me just quickly... No. It's still the same. Let's see. Mhmm. Yes. I am. I am. Mhmm. Mhmm. Hi, Gretchen. Mhmm. Yeah. I'm on the first month. Yes. Sorry. Yep. Okay. Okay. Mhmm. Yeah. Yep. Okay. Okay. Yes. Mhmm. It does. Sorry. It does or it doesn't? Mhmm. Mhmm. Investment option. Yep. Yeah. That makes sense. Yes. Mhmm. Yes. Mhmm. Okay. Yeah. Yes. Approximately transport. Okay. Okay. That could be... Mhmm. Okay. That's that's good. Mhmm. Okay. Yep. Yeah. I can see them. I'll go through them properly as well. Yeah. Yeah. Yes. Okay. Mhmm. Okay. Yes. One Mhmm. Yeah. No. But I would definitely need a three as well, probably. A little late on. On the same thing. Okay. Fine. Fine. Okay. Sorry. So what you mean is pretty much going through my employer to do the pretax salary sacrifice? That's the price tax? Okay. Okay. So I just get $25 a week with my employer. Okay. Okay. Yep. Okay. The... I like the sign of that. I can do that. Yeah. Sure. Yep. Okay. Cool. Okay. Okay. Mhmm. Yep. Mhmm. Okay. Mhmm. Mhmm. Mhmm. Okay. Alright. Not that I know of. Apart from the one that I disclosed at at the very minute, I'm just going through a weight loss. Just like that's about it. Yeah. Okay. Mhmm. Mhmm. Under. Okay. Okay. No. That's fine. No worries. Like I said, I'm gonna be... Go through this document thoroughly, but you've explained it well. Yep. Okay. Okay. All good. Mhmm. Yeah. I can see the... Yep. Yep. Okay. Mhmm. Yeah. Okay. Mhmm. Yes. Okay. Okay. That's good. Yeah. That's that's good to know. Okay. Yep. Yep. Mhmm. Mhmm. Okay. Okay. Alrighty. Mhmm. Okay. Mhmm. Yes. Sandwich. Yep. Okay. No worries. Of course. Yeah. Okay. Alrighty. Mhmm. Sorry. No. Oh, good. Sorry. Mhmm. Mhmm. Okay. Of course. Yeah. Yeah. Okay. No. Understandable. Okay. Sounds good. Mhmm. Yep. Alright. Mhmm. Okay. No. That's about it. Definitely a a lot of information I need to go through and read thoroughly, but thank you so much. I'm looking forward to it. Mhmm. Just give me a week. I I don't wanna prolong the process. Yeah. Please just give me a week, and then, I'll just let you know what my final decision is because I wanna go through it this weekend and read it properly. Absolutely. Alright. Thank you so much, Jenna. I appreciate your time. You too. Take care. Bye.","confidence":0.9741211,"words":[{"word":"hey","start":2.32,"end":2.56,"confidence":0.9484863,"punctuated_word":"Hey,","sentiment":"neutral","sentiment_score":0.07070735096931458},{"word":"jenna","start":2.56,"end":3.04,"confidence":0.9946289,"punctuated_word":"Jenna.","sentiment":"neutral","sentiment_score":0.10175798833370207},{"word":"i've","start":3.04,"end":3.1999998,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1338413953781128},{"word":"got","start":3.1999998,"end":3.6,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1536848098039627},{"word":"kat","start":3.6,"end":3.9199998,"confidence":0.8388672,"punctuated_word":"Kat","sentiment":"neutral","sentiment_score":0.16624140739440918},{"word":"on","start":3.9199998,"end":4.08,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19312545657157895},{"word":"the","start":4.08,"end":4.24,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1975511610507965},{"word":"phone","start":4.24,"end":4.56,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.18678024411201477},{"word":"for","start":4.56,"end":4.72,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2071675807237625},{"word":"you","start":4.72,"end":5.22,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17291554808616638},{"word":"no","start":8.0,"end":8.32,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.20410758256912231},{"word":"not","start":8.32,"end":8.559999,"confidence":0.99902344,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.18999400734901428},{"word":"a","start":8.559999,"end":8.639999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1371484100818634},{"word":"problem","start":8.639999,"end":8.88,"confidence":0.99853516,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.15932461619377136},{"word":"you","start":8.88,"end":9.04,"confidence":0.75097656,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.16552422940731049},{"word":"good","start":9.04,"end":9.2,"confidence":0.7792969,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.23439863324165344},{"word":"for","start":9.2,"end":9.36,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2596442401409149},{"word":"me","start":9.36,"end":9.44,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.18940339982509613},{"word":"to","start":9.44,"end":9.599999,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18445636332035065},{"word":"transfer","start":9.599999,"end":10.0,"confidence":1.0,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.19007326662540436},{"word":"her","start":10.0,"end":10.16,"confidence":0.8935547,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.12171745300292967},{"word":"through","start":10.16,"end":10.66,"confidence":0.9807129,"punctuated_word":"through?","sentiment":"neutral","sentiment_score":0.18066182732582092},{"word":"i've","start":12.96,"end":13.2,"confidence":0.99609375,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.03428158164024353},{"word":"not","start":13.2,"end":13.44,"confidence":0.9741211,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.02486894279718399},{"word":"id'd","start":13.44,"end":13.84,"confidence":0.80322266,"punctuated_word":"ID'd","sentiment":"neutral","sentiment_score":-0.03363770246505737},{"word":"her","start":13.84,"end":14.0,"confidence":0.9802246,"punctuated_word":"her,","sentiment":"neutral","sentiment_score":-0.0351896658539772},{"word":"but","start":14.0,"end":14.24,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03552892804145813},{"word":"i","start":14.24,"end":14.445,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03787985444068909},{"word":"don't","start":14.844999,"end":15.344999,"confidence":0.9995117,"punctuated_word":"don't...","sentiment":"neutral","sentiment_score":-0.025723503902554512},{"word":"yep","start":16.285,"end":16.605,"confidence":0.83447266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03674248978495598},{"word":"yeah","start":16.605,"end":17.005,"confidence":0.98217773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0627991259098053},{"word":"you","start":17.005,"end":17.244999,"confidence":0.96777344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.063504159450531},{"word":"feel","start":17.244999,"end":17.485,"confidence":0.5258789,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.06632450222969055},{"word":"free","start":17.485,"end":17.645,"confidence":0.99902344,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.08386409282684326},{"word":"to","start":17.645,"end":17.805,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07874400168657303},{"word":"do","start":17.805,"end":17.885,"confidence":0.9658203,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06644926220178604},{"word":"it","start":17.885,"end":17.965,"confidence":0.90405273,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.07060365378856659},{"word":"but","start":17.965,"end":18.125,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03296222537755966},{"word":"i","start":18.125,"end":18.285,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0016095824539661407},{"word":"also","start":18.285,"end":18.525,"confidence":0.9951172,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.013075284659862518},{"word":"don't","start":18.525,"end":18.685,"confidence":0.9970703,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.015639590099453926},{"word":"believe","start":18.685,"end":18.845,"confidence":0.9970703,"punctuated_word":"believe","sentiment":"neutral","sentiment_score":-0.02941076084971428},{"word":"we","start":18.845,"end":19.005,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.016216084361076355},{"word":"have","start":19.005,"end":19.244999,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0028517991304397583},{"word":"to","start":19.244999,"end":19.325,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01082431897521019},{"word":"because","start":19.325,"end":19.485,"confidence":0.78125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.013144485652446749},{"word":"she's","start":19.485,"end":19.724998,"confidence":0.99853516,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.01841220259666443},{"word":"technically","start":19.724998,"end":20.205,"confidence":0.97509766,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":0.022341977804899216},{"word":"not","start":20.205,"end":20.445,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.002870161086320877},{"word":"a","start":20.445,"end":20.525,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01704917848110199},{"word":"client","start":20.525,"end":20.845,"confidence":1.0,"punctuated_word":"client","sentiment":"neutral","sentiment_score":-0.007478673011064529},{"word":"of","start":20.845,"end":21.005,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0322987362742424},{"word":"yours","start":21.005,"end":21.324999,"confidence":0.8388672,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":0.03158711642026901},{"word":"yet","start":21.324999,"end":21.645,"confidence":0.7536621,"punctuated_word":"yet,","sentiment":"neutral","sentiment_score":0.019307313486933708},{"word":"but","start":21.645,"end":21.805,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04496356099843979},{"word":"you","start":21.805,"end":21.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05980974808335304},{"word":"are","start":21.965,"end":22.125,"confidence":0.8798828,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05336707830429077},{"word":"about","start":22.125,"end":22.285,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06452212482690811},{"word":"to","start":22.285,"end":22.365,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0630079135298729},{"word":"go","start":22.365,"end":22.525,"confidence":0.8857422,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04965197667479515},{"word":"through","start":22.525,"end":22.685,"confidence":0.9892578,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0834825187921524},{"word":"the","start":22.685,"end":22.765,"confidence":0.64208984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08394253253936768},{"word":"statement","start":22.765,"end":23.085,"confidence":0.9980469,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.10312448441982268},{"word":"of","start":23.085,"end":23.165,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0801725685596466},{"word":"advice","start":23.165,"end":23.485,"confidence":0.6628418,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.050925374031066895},{"word":"so","start":23.485,"end":23.605,"confidence":0.97802734,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07845950126647949},{"word":"it","start":23.605,"end":23.724998,"confidence":0.9560547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0730324313044548},{"word":"makes","start":23.724998,"end":23.965,"confidence":0.9536133,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.048140522092580795},{"word":"sense","start":23.965,"end":24.465,"confidence":0.9980469,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.023826343938708305},{"word":"stunning","start":26.605,"end":27.085,"confidence":0.8088379,"punctuated_word":"Stunning.","sentiment":"positive","sentiment_score":0.5200105905532837},{"word":"you've","start":27.085,"end":27.244999,"confidence":0.99560547,"punctuated_word":"You've","sentiment":"positive","sentiment_score":0.3736918866634369},{"word":"got","start":27.244999,"end":27.325,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2971450388431549},{"word":"her","start":27.325,"end":27.485,"confidence":0.9892578,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.2899986803531647},{"word":"in","start":27.485,"end":27.645,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26417994499206543},{"word":"321","start":27.645,"end":28.704998,"confidence":0.9529622,"punctuated_word":"321.","sentiment":"neutral","sentiment_score":0.27390262484550476},{"word":"i'm","start":33.06,"end":33.38,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.24089527130126953},{"word":"good","start":33.38,"end":33.62,"confidence":0.98999023,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2519542872905731},{"word":"i'm","start":33.62,"end":33.78,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03855334222316742},{"word":"so","start":33.78,"end":33.94,"confidence":0.9819336,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.009113401174545288},{"word":"sorry","start":33.94,"end":34.18,"confidence":0.9941406,"punctuated_word":"sorry","sentiment":"neutral","sentiment_score":-0.09379666298627852},{"word":"i","start":34.18,"end":34.26,"confidence":0.87597656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05858605355024338},{"word":"can't","start":34.26,"end":34.42,"confidence":0.67211914,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.07962927222251892},{"word":"wait","start":34.42,"end":34.5,"confidence":0.49365234,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.10824646055698396},{"word":"for","start":34.5,"end":34.58,"confidence":0.45458984,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07421879470348358},{"word":"your","start":34.58,"end":34.82,"confidence":0.96875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.025602206587791443},{"word":"call","start":34.82,"end":34.98,"confidence":0.99853516,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":-0.02756595239043236},{"word":"i've","start":34.98,"end":35.22,"confidence":0.9916992,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.08091320842504501},{"word":"just","start":35.22,"end":35.54,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06742553412914276},{"word":"been","start":35.54,"end":35.86,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1037517637014389},{"word":"inundated","start":35.86,"end":36.22,"confidence":0.8811035,"punctuated_word":"inundated","sentiment":"neutral","sentiment_score":-0.0834212601184845},{"word":"at","start":36.22,"end":36.58,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14507800340652466},{"word":"work","start":36.58,"end":37.08,"confidence":0.84472656,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.1065283715724945},{"word":"but","start":37.78,"end":37.94,"confidence":0.90478516,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.016233248636126518},{"word":"yeah","start":37.94,"end":38.18,"confidence":0.99365234,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.06185993179678917},{"word":"i","start":38.18,"end":38.42,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07887838780879974},{"word":"i","start":38.42,"end":38.66,"confidence":0.625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09463384002447128},{"word":"have","start":38.66,"end":38.9,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12232343852519988},{"word":"time","start":38.9,"end":39.14,"confidence":0.9506836,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.09350267797708511},{"word":"now","start":39.14,"end":39.64,"confidence":0.9995117,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.11276841163635254},{"word":"good","start":43.885,"end":44.385,"confidence":0.8034668,"punctuated_word":"Good.","sentiment":"neutral","sentiment_score":0.07523587346076965},{"word":"the","start":44.765,"end":45.004997,"confidence":0.7290039,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.1491740345954895},{"word":"interest","start":45.004997,"end":45.504997,"confidence":0.98828125,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.13081367313861847},{"word":"rate","start":45.565,"end":45.965,"confidence":0.9614258,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":-0.12054087221622468},{"word":"increase","start":45.965,"end":46.465,"confidence":0.75341797,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.17677992582321167},{"word":"is","start":46.524998,"end":46.684998,"confidence":0.8251953,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.31675058603286743},{"word":"just","start":46.684998,"end":46.844997,"confidence":0.94628906,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.29021334648132324},{"word":"making","start":46.844997,"end":47.344997,"confidence":0.98095703,"punctuated_word":"making","sentiment":"negative","sentiment_score":-0.3693111538887024},{"word":"life","start":47.565,"end":47.805,"confidence":0.2199707,"punctuated_word":"life","sentiment":"negative","sentiment_score":-0.4658709764480591},{"word":"so","start":47.805,"end":48.045,"confidence":0.9873047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2607215642929077},{"word":"hard","start":48.045,"end":48.364998,"confidence":0.92822266,"punctuated_word":"hard,","sentiment":"neutral","sentiment_score":-0.29567015171051025},{"word":"but","start":48.364998,"end":48.605,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.2641427218914032},{"word":"i'm","start":48.605,"end":48.925,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.21793678402900696},{"word":"i'm","start":48.925,"end":49.085,"confidence":0.9926758,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.17768847942352295},{"word":"getting","start":49.085,"end":49.324997,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.21680019795894623},{"word":"through","start":49.324997,"end":49.644997,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.2221224159002304},{"word":"with","start":49.644997,"end":49.805,"confidence":0.94628906,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.2174215316772461},{"word":"it","start":49.805,"end":50.305,"confidence":0.9875488,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.21784506738185885},{"word":"yeah","start":53.644997,"end":54.144997,"confidence":0.9746094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.046992722898721695},{"word":"yeah","start":62.46,"end":62.7,"confidence":0.8630371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017930690199136734},{"word":"that's","start":62.7,"end":62.94,"confidence":0.99560547,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03792325407266617},{"word":"fine","start":62.94,"end":63.44,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.035173237323760986},{"word":"yeah","start":70.06,"end":70.3,"confidence":0.9680176,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02620140090584755},{"word":"sure","start":70.3,"end":70.62,"confidence":0.9980469,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.03403829038143158},{"word":"no","start":70.62,"end":70.78,"confidence":0.98291016,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.040506623685359955},{"word":"worries","start":70.78,"end":71.1,"confidence":0.75805664,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.03692367672920227},{"word":"my","start":71.1,"end":71.26,"confidence":0.4609375,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.028402552008628845},{"word":"name","start":71.26,"end":71.42,"confidence":0.9980469,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.03602497652173042},{"word":"is","start":71.42,"end":71.66,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.037175312638282776},{"word":"katya","start":71.66,"end":72.16,"confidence":0.33207193,"punctuated_word":"Katya.","sentiment":"neutral","sentiment_score":0.0340854674577713},{"word":"08/04/1994","start":72.86,"end":74.72,"confidence":0.9456543,"punctuated_word":"08/04/1994.","sentiment":"neutral","sentiment_score":0.02139399945735931},{"word":"90","start":75.195,"end":75.595,"confidence":0.9187012,"punctuated_word":"90","sentiment":"neutral","sentiment_score":0.019789941608905792},{"word":"gowling","start":75.595,"end":75.995,"confidence":0.7775879,"punctuated_word":"Gowling","sentiment":"neutral","sentiment_score":0.024743011221289635},{"word":"avenue","start":75.995,"end":76.395004,"confidence":0.9980469,"punctuated_word":"Avenue","sentiment":"neutral","sentiment_score":0.02286691591143608},{"word":"in","start":76.395004,"end":76.555,"confidence":0.9741211,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.02410277724266052},{"word":"wallow","start":76.555,"end":77.055,"confidence":0.6098633,"punctuated_word":"Wallow","sentiment":"neutral","sentiment_score":0.03051048517227173},{"word":"3750","start":77.115005,"end":78.495,"confidence":0.9885254,"punctuated_word":"3750.","sentiment":"neutral","sentiment_score":0.03990344703197479},{"word":"yes","start":86.715004,"end":87.215004,"confidence":0.8874512,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08318930864334106},{"word":"yep","start":87.275,"end":87.775,"confidence":0.96118164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03669996559619904},{"word":"yes","start":90.26,"end":90.76,"confidence":0.9309082,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04118778556585312},{"word":"i","start":90.82,"end":90.9,"confidence":0.9604492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04566279798746109},{"word":"have","start":90.9,"end":91.06,"confidence":0.9243164,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.045231617987155914},{"word":"the","start":91.06,"end":91.22,"confidence":0.8125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0513136200606823},{"word":"phone","start":91.22,"end":91.54,"confidence":0.90625,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.060631729662418365},{"word":"now","start":91.54,"end":92.04,"confidence":0.95581055,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.09583832323551178},{"word":"okay","start":124.06,"end":124.53999,"confidence":0.97436523,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2075355052947998},{"word":"no","start":124.53999,"end":124.7,"confidence":0.97314453,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.2607722282409668},{"word":"worries","start":124.7,"end":125.2,"confidence":1.0,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.28417497873306274},{"word":"okay","start":134.455,"end":134.93501,"confidence":0.9758301,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3781700134277344},{"word":"cool","start":134.93501,"end":135.43501,"confidence":0.98217773,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5026891827583313},{"word":"have","start":139.335,"end":139.57501,"confidence":0.4580078,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.17700590193271637},{"word":"you","start":139.57501,"end":139.655,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1463644951581955},{"word":"sent","start":139.655,"end":139.895,"confidence":0.8935547,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.162992462515831},{"word":"it","start":139.895,"end":140.395,"confidence":0.7114258,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.13623857498168945},{"word":"yep","start":149.91,"end":150.41,"confidence":0.8808594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1758417785167694},{"word":"yeah","start":153.11,"end":153.51001,"confidence":0.9863281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10720065236091614},{"word":"oh","start":153.51001,"end":153.59001,"confidence":0.96533203,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.11674420535564424},{"word":"yep","start":153.59001,"end":153.91,"confidence":0.98779297,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.13040874898433685},{"word":"i","start":153.91,"end":153.99,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1110641285777092},{"word":"can","start":153.99,"end":154.31,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1184067279100418},{"word":"see","start":154.31,"end":154.55,"confidence":0.9902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10175274312496184},{"word":"the","start":154.55,"end":154.79001,"confidence":0.71875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08434842526912689},{"word":"sign","start":154.79001,"end":155.03,"confidence":0.90844727,"punctuated_word":"sign.","sentiment":"neutral","sentiment_score":0.060748033225536346},{"word":"click","start":155.03,"end":155.27,"confidence":0.9941406,"punctuated_word":"Click","sentiment":"neutral","sentiment_score":0.04580904543399811},{"word":"to","start":155.27,"end":155.43001,"confidence":0.93847656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01963358372449875},{"word":"start","start":155.43001,"end":155.83,"confidence":0.9970703,"punctuated_word":"start.","sentiment":"neutral","sentiment_score":0.05722225084900856},{"word":"okay","start":155.83,"end":156.15001,"confidence":1.0,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1937052011489868},{"word":"cool","start":156.15001,"end":156.65001,"confidence":1.0,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4149139821529389},{"word":"mhmm","start":163.765,"end":164.265,"confidence":0.9906006,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03517746180295944},{"word":"mhmm","start":183.59,"end":184.09,"confidence":0.9407959,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03962671756744385},{"word":"mhmm","start":205.845,"end":206.28,"confidence":0.96984863,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.037033431231975555},{"word":"mhmm","start":221.56,"end":222.06,"confidence":0.9448242,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.11294890940189362},{"word":"mhmm","start":234.72,"end":235.22,"confidence":0.9857178,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07789129763841629},{"word":"mhmm","start":256.73502,"end":257.23502,"confidence":0.95202637,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09374433755874634},{"word":"mhmm","start":277.895,"end":278.395,"confidence":0.9691162,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0515957735478878},{"word":"mhmm","start":304.61,"end":305.11,"confidence":0.9589844,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.01177629828453064},{"word":"mhmm","start":312.535,"end":313.035,"confidence":0.8769531,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0587100014090538},{"word":"mhmm","start":322.80002,"end":323.30002,"confidence":0.9868164,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.039427533745765686},{"word":"of","start":344.695,"end":344.935,"confidence":0.74072266,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.03775472939014435},{"word":"course","start":344.935,"end":345.415,"confidence":0.9970703,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":-0.03113548830151558},{"word":"yep","start":345.415,"end":345.915,"confidence":0.84155273,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.018914122134447094},{"word":"yeah","start":352.38,"end":352.88,"confidence":0.85009766,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.053401097655296326},{"word":"mhmm","start":362.62,"end":363.12,"confidence":0.9980469,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0037031518295407295},{"word":"mhmm","start":388.66,"end":389.16,"confidence":0.9399414,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0017764349468052387},{"word":"let","start":394.305,"end":394.54498,"confidence":0.6801758,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.029605932533740997},{"word":"me","start":394.54498,"end":394.78497,"confidence":0.96777344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.020206354558467865},{"word":"just","start":394.78497,"end":395.185,"confidence":0.96240234,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.025701364502310753},{"word":"quickly","start":395.185,"end":395.685,"confidence":0.99609375,"punctuated_word":"quickly...","sentiment":"neutral","sentiment_score":-0.021168600767850876},{"word":"no","start":399.10498,"end":399.26498,"confidence":0.7692871,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14357975125312805},{"word":"it's","start":399.26498,"end":399.50497,"confidence":0.9238281,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1007496863603592},{"word":"still","start":399.50497,"end":399.66498,"confidence":0.93408203,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.1093466579914093},{"word":"the","start":399.66498,"end":399.82498,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13665102422237396},{"word":"same","start":399.82498,"end":400.32498,"confidence":0.99316406,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":-0.06642688810825348},{"word":"let's","start":401.745,"end":402.06497,"confidence":0.7080078,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.109322652220726},{"word":"see","start":402.06497,"end":402.56497,"confidence":0.9797363,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.13434343039989471},{"word":"mhmm","start":422.375,"end":422.875,"confidence":0.8085022,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.01604619435966015},{"word":"yes","start":428.69498,"end":429.175,"confidence":0.98217773,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14894381165504456},{"word":"i","start":429.175,"end":429.25497,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1876089572906494},{"word":"am","start":429.25497,"end":429.495,"confidence":0.87158203,"punctuated_word":"am.","sentiment":"neutral","sentiment_score":0.16563613712787628},{"word":"i","start":429.495,"end":429.655,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.26292428374290466},{"word":"am","start":429.655,"end":430.155,"confidence":0.99853516,"punctuated_word":"am.","sentiment":"neutral","sentiment_score":0.2742196321487427},{"word":"mhmm","start":439.87,"end":440.37,"confidence":0.8594971,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0046828496269881725},{"word":"mhmm","start":451.205,"end":451.705,"confidence":0.9897461,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0479469895362854},{"word":"hi","start":470.35,"end":470.59,"confidence":0.91674805,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.2126498520374298},{"word":"gretchen","start":470.59,"end":471.09,"confidence":0.78515625,"punctuated_word":"Gretchen.","sentiment":"neutral","sentiment_score":0.17067918181419373},{"word":"mhmm","start":475.705,"end":476.205,"confidence":0.97839355,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0491691380739212},{"word":"yeah","start":497.71,"end":498.21,"confidence":0.6685791,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04104728251695633},{"word":"i'm","start":520.42,"end":520.57996,"confidence":0.9770508,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.31721407175064087},{"word":"on","start":520.57996,"end":520.82,"confidence":0.82958984,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.3407619595527649},{"word":"the","start":520.82,"end":520.89996,"confidence":0.87060547,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3935727775096894},{"word":"first","start":520.89996,"end":521.22,"confidence":0.53027344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.29905685782432556},{"word":"month","start":521.22,"end":521.72,"confidence":0.7130127,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.2519889771938324},{"word":"yes","start":523.13995,"end":523.45996,"confidence":0.9309082,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.03462781757116318},{"word":"sorry","start":523.45996,"end":523.77997,"confidence":0.9975586,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.06434077024459839},{"word":"yep","start":523.77997,"end":524.27997,"confidence":0.9970703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0746934711933136},{"word":"okay","start":530.1,"end":530.6,"confidence":0.7388916,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03661809861660004},{"word":"okay","start":541.745,"end":542.245,"confidence":0.89575195,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.013390067964792252},{"word":"mhmm","start":585.54,"end":586.04,"confidence":0.98791504,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.045485466718673706},{"word":"yeah","start":596.71497,"end":597.21497,"confidence":0.8457031,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09320366382598876},{"word":"yep","start":623.20496,"end":623.70496,"confidence":0.95751953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07940739393234253},{"word":"okay","start":628.40497,"end":628.90497,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.050321053713560104},{"word":"okay","start":632.05,"end":632.55,"confidence":0.98999023,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09120356291532516},{"word":"yes","start":650.815,"end":651.315,"confidence":0.9724121,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0668325126171112},{"word":"mhmm","start":679.975,"end":680.475,"confidence":0.8826904,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.3017505407333374},{"word":"it","start":688.16,"end":688.24,"confidence":0.9589844,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0886811688542366},{"word":"does","start":688.24,"end":688.56,"confidence":0.7297363,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":-0.10184218734502792},{"word":"sorry","start":688.56,"end":688.8,"confidence":0.9838867,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.1291511058807373},{"word":"it","start":688.8,"end":688.95996,"confidence":0.9951172,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.08269175887107849},{"word":"does","start":688.95996,"end":689.2,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.06616783142089844},{"word":"or","start":689.2,"end":689.44,"confidence":0.9667969,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08156770467758179},{"word":"it","start":689.44,"end":689.51996,"confidence":0.9536133,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09666875749826433},{"word":"doesn't","start":689.51996,"end":690.01996,"confidence":0.95214844,"punctuated_word":"doesn't?","sentiment":"neutral","sentiment_score":-0.08471497148275375},{"word":"mhmm","start":709.965,"end":710.465,"confidence":0.9350586,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.1102733165025711},{"word":"mhmm","start":718.62,"end":719.12,"confidence":0.93029785,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.14007340371608734},{"word":"investment","start":734.71497,"end":735.21497,"confidence":0.9633789,"punctuated_word":"Investment","sentiment":"neutral","sentiment_score":-0.006821382790803909},{"word":"option","start":735.27496,"end":735.77496,"confidence":0.79125977,"punctuated_word":"option.","sentiment":"neutral","sentiment_score":-0.00040908344089984894},{"word":"yep","start":735.995,"end":736.495,"confidence":0.8527832,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07152097672224045},{"word":"yeah","start":739.19495,"end":739.51495,"confidence":0.8496094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12913379073143005},{"word":"that","start":739.51495,"end":739.75494,"confidence":0.9980469,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.19133591651916504},{"word":"makes","start":739.75494,"end":739.995,"confidence":0.9580078,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.13693338632583618},{"word":"sense","start":739.995,"end":740.31494,"confidence":0.99902344,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.098552867770195},{"word":"yes","start":740.31494,"end":740.81494,"confidence":0.9921875,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2580910623073578},{"word":"mhmm","start":753.13,"end":753.63,"confidence":0.9172363,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.08877924084663391},{"word":"yes","start":770.005,"end":770.34,"confidence":0.94873047,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.1386253535747528},{"word":"mhmm","start":778.98004,"end":779.48004,"confidence":0.9124756,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.07932459563016891},{"word":"okay","start":797.995,"end":798.495,"confidence":0.9941406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.005343317985534668},{"word":"yeah","start":810.71,"end":811.21,"confidence":0.6986084,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011329819448292255},{"word":"yes","start":818.80505,"end":819.30505,"confidence":0.9160156,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0909477323293686},{"word":"approximately","start":829.04504,"end":829.54504,"confidence":0.4975586,"punctuated_word":"Approximately","sentiment":"neutral","sentiment_score":-0.0015253759920597076},{"word":"transport","start":829.84503,"end":830.34503,"confidence":0.6168213,"punctuated_word":"transport.","sentiment":"neutral","sentiment_score":0.0049787163734436035},{"word":"okay","start":873.26996,"end":873.615,"confidence":0.7435303,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02178831398487091},{"word":"okay","start":881.375,"end":881.875,"confidence":0.9394531,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.014544709585607052},{"word":"that","start":891.84,"end":892.0,"confidence":0.3857422,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.014864465221762655},{"word":"could","start":892.0,"end":892.16,"confidence":0.6464844,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.022781558334827423},{"word":"be","start":892.16,"end":892.66,"confidence":0.9277344,"punctuated_word":"be...","sentiment":"neutral","sentiment_score":-0.039557792246341705},{"word":"mhmm","start":898.08,"end":898.58,"confidence":0.92077637,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03472737595438957},{"word":"okay","start":899.12,"end":899.52,"confidence":0.9897461,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11574693024158478},{"word":"that's","start":899.52,"end":900.02,"confidence":0.82910156,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.29743364453315735},{"word":"that's","start":900.16,"end":900.48,"confidence":0.97314453,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4018575847148895},{"word":"good","start":900.48,"end":900.98,"confidence":0.9926758,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3466903865337372},{"word":"mhmm","start":941.195,"end":941.695,"confidence":0.8287964,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.01472379919141531},{"word":"okay","start":942.315,"end":942.815,"confidence":0.8273926,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.01808052323758602},{"word":"yep","start":943.835,"end":944.22,"confidence":0.70581055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10723619163036346},{"word":"yeah","start":953.81995,"end":954.31995,"confidence":0.98339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009788624942302704},{"word":"i","start":955.01996,"end":955.18,"confidence":0.8959961,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13400176167488098},{"word":"can","start":955.18,"end":955.42,"confidence":0.92089844,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10596421360969543},{"word":"see","start":955.42,"end":955.57996,"confidence":0.99609375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1319572627544403},{"word":"them","start":955.57996,"end":955.89996,"confidence":0.99121094,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.15967467427253723},{"word":"i'll","start":955.89996,"end":956.06,"confidence":0.9880371,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.18732932209968567},{"word":"go","start":956.06,"end":956.3,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.19355614483356476},{"word":"through","start":956.3,"end":956.45996,"confidence":0.9770508,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2296529561281204},{"word":"them","start":956.45996,"end":956.62,"confidence":0.9970703,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.22751159965991977},{"word":"properly","start":956.62,"end":957.12,"confidence":0.9350586,"punctuated_word":"properly","sentiment":"neutral","sentiment_score":0.2260308712720871},{"word":"as","start":957.18,"end":957.42,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27439379692077637},{"word":"well","start":957.42,"end":957.74,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.20680828392505649},{"word":"yeah","start":957.74,"end":958.24,"confidence":0.97265625,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.5090763568878174},{"word":"yeah","start":977.85004,"end":978.35004,"confidence":0.935791,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1009727343916893},{"word":"yes","start":995.92505,"end":996.42505,"confidence":0.7384033,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.02614847756922245},{"word":"okay","start":1007.32,"end":1007.82,"confidence":0.9904785,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1549670249223709},{"word":"mhmm","start":1025.9,"end":1026.4,"confidence":0.93603516,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03922354057431221},{"word":"okay","start":1027.98,"end":1028.48,"confidence":0.9880371,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05020112544298172},{"word":"yes","start":1040.2949,"end":1040.7949,"confidence":0.9387207,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04661526158452034},{"word":"one","start":1049.6549,"end":1050.1549,"confidence":0.5410156,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.09510071575641632},{"word":"mhmm","start":1056.5801,"end":1057.0801,"confidence":0.9020996,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.14423783123493197},{"word":"yeah","start":1076.375,"end":1076.875,"confidence":0.7437744,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.002606624737381935},{"word":"no","start":1080.215,"end":1080.69,"confidence":0.90771484,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10824516415596008},{"word":"but","start":1080.7699,"end":1081.1699,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.08135807514190674},{"word":"i","start":1081.1699,"end":1081.4099,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06566956639289856},{"word":"would","start":1081.4099,"end":1081.6499,"confidence":0.7441406,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.05889831483364105},{"word":"definitely","start":1081.6499,"end":1082.0499,"confidence":0.9980469,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.1170286387205124},{"word":"need","start":1082.0499,"end":1082.2899,"confidence":0.65527344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.07992929220199585},{"word":"a","start":1082.2899,"end":1082.37,"confidence":0.51171875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10347963124513626},{"word":"three","start":1082.37,"end":1082.69,"confidence":0.6118164,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.1738281548023224},{"word":"as","start":1082.69,"end":1082.9299,"confidence":0.9707031,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.07148320972919464},{"word":"well","start":1082.9299,"end":1083.09,"confidence":0.8251953,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.036926642060279846},{"word":"probably","start":1083.09,"end":1083.59,"confidence":0.89404297,"punctuated_word":"probably.","sentiment":"neutral","sentiment_score":-0.05014975368976593},{"word":"a","start":1090.61,"end":1090.69,"confidence":0.087768555,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.07007455825805664},{"word":"little","start":1090.69,"end":1091.0099,"confidence":0.79003906,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.09277965128421783},{"word":"late","start":1091.0099,"end":1091.25,"confidence":0.63427734,"punctuated_word":"late","sentiment":"neutral","sentiment_score":-0.12603074312210083},{"word":"on","start":1091.25,"end":1091.75,"confidence":0.5969238,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.03960997983813286},{"word":"on","start":1093.97,"end":1094.0499,"confidence":0.44067383,"punctuated_word":"On","sentiment":"neutral","sentiment_score":-0.005157820880413055},{"word":"the","start":1094.0499,"end":1094.2899,"confidence":0.75097656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0012105554342269895},{"word":"same","start":1094.2899,"end":1094.5299,"confidence":0.73876953,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.030324451625347137},{"word":"thing","start":1094.5299,"end":1095.0299,"confidence":0.970459,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.015371188521385191},{"word":"okay","start":1096.8251,"end":1097.3251,"confidence":0.8330078,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.16987252235412598},{"word":"fine","start":1108.3451,"end":1108.8451,"confidence":0.9753418,"punctuated_word":"Fine.","sentiment":"neutral","sentiment_score":0.11553426086902618},{"word":"fine","start":1125.46,"end":1125.96,"confidence":0.7293701,"punctuated_word":"Fine.","sentiment":"neutral","sentiment_score":0.040370672941207886},{"word":"okay","start":1130.625,"end":1131.125,"confidence":0.76049805,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.044903986155986786},{"word":"sorry","start":1131.3451,"end":1131.8451,"confidence":0.95532227,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.003998670727014542},{"word":"so","start":1131.9851,"end":1132.4851,"confidence":0.6088867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.008697129786014557},{"word":"what","start":1132.545,"end":1132.8651,"confidence":0.90771484,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0337517112493515},{"word":"you","start":1132.8651,"end":1133.025,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007004581391811371},{"word":"mean","start":1133.025,"end":1133.425,"confidence":0.9980469,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.004410728812217712},{"word":"is","start":1133.425,"end":1133.8251,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.029473744332790375},{"word":"pretty","start":1133.8251,"end":1133.9851,"confidence":0.9116211,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.055177170783281326},{"word":"much","start":1133.9851,"end":1134.4851,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.07097642868757248},{"word":"going","start":1135.505,"end":1135.665,"confidence":0.80908203,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.08388714492321014},{"word":"through","start":1135.665,"end":1135.905,"confidence":0.9633789,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.054778218269348145},{"word":"my","start":1135.905,"end":1136.0651,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.02166330069303513},{"word":"employer","start":1136.0651,"end":1136.545,"confidence":0.97509766,"punctuated_word":"employer","sentiment":"neutral","sentiment_score":-0.01204884797334671},{"word":"to","start":1136.545,"end":1136.625,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007113277912139893},{"word":"do","start":1136.625,"end":1136.785,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.015369109809398653},{"word":"the","start":1136.785,"end":1137.1051,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017395302653312683},{"word":"pretax","start":1137.1051,"end":1137.6051,"confidence":0.88549805,"punctuated_word":"pretax","sentiment":"neutral","sentiment_score":0.01979796215891838},{"word":"salary","start":1137.745,"end":1138.145,"confidence":0.9472656,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.040642209351062775},{"word":"sacrifice","start":1138.145,"end":1138.645,"confidence":0.70703125,"punctuated_word":"sacrifice?","sentiment":"neutral","sentiment_score":-0.00730341300368309},{"word":"that's","start":1138.8651,"end":1139.1051,"confidence":0.861084,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.029370885342359543},{"word":"the","start":1139.1051,"end":1139.265,"confidence":0.7661133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010421037673950195},{"word":"price","start":1139.265,"end":1139.5851,"confidence":0.984375,"punctuated_word":"price","sentiment":"neutral","sentiment_score":-0.011845774948596954},{"word":"tax","start":1139.5851,"end":1140.0851,"confidence":0.81274414,"punctuated_word":"tax?","sentiment":"neutral","sentiment_score":0.059820421040058136},{"word":"okay","start":1140.8651,"end":1141.3651,"confidence":0.9970703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.21949058771133423},{"word":"okay","start":1159.0951,"end":1159.495,"confidence":0.92163086,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.228875994682312},{"word":"so","start":1159.495,"end":1159.655,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1947553902864456},{"word":"i","start":1159.655,"end":1159.735,"confidence":0.8730469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27415430545806885},{"word":"just","start":1159.735,"end":1159.895,"confidence":0.9633789,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24956394731998444},{"word":"get","start":1159.895,"end":1160.135,"confidence":0.5551758,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3008611798286438},{"word":"$25","start":1160.135,"end":1160.855,"confidence":0.98583984,"punctuated_word":"$25","sentiment":"neutral","sentiment_score":0.29074200987815857},{"word":"a","start":1160.855,"end":1160.935,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2735796570777893},{"word":"week","start":1160.935,"end":1161.175,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.26104414463043213},{"word":"with","start":1161.175,"end":1161.3351,"confidence":0.9892578,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3260311782360077},{"word":"my","start":1161.3351,"end":1161.495,"confidence":0.9199219,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2796626091003418},{"word":"employer","start":1161.495,"end":1161.995,"confidence":0.9404297,"punctuated_word":"employer.","sentiment":"neutral","sentiment_score":0.17197176814079285},{"word":"okay","start":1162.135,"end":1162.635,"confidence":0.9970703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1687822937965393},{"word":"okay","start":1167.5751,"end":1168.0751,"confidence":0.95751953,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.18010400235652924},{"word":"yep","start":1172.84,"end":1173.24,"confidence":0.8288574,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2960985004901886},{"word":"okay","start":1173.24,"end":1173.72,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.31499868631362915},{"word":"the","start":1173.72,"end":1173.96,"confidence":0.48632812,"punctuated_word":"The...","sentiment":"positive","sentiment_score":0.3683986961841583},{"word":"i","start":1173.96,"end":1174.12,"confidence":0.9980469,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6532526612281799},{"word":"like","start":1174.12,"end":1174.36,"confidence":0.9921875,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.680347740650177},{"word":"the","start":1174.36,"end":1174.44,"confidence":0.94189453,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.717058002948761},{"word":"sign","start":1174.44,"end":1174.6799,"confidence":0.671875,"punctuated_word":"sign","sentiment":"positive","sentiment_score":0.6990762948989868},{"word":"of","start":1174.6799,"end":1174.76,"confidence":0.9770508,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.697841465473175},{"word":"that","start":1174.76,"end":1175.0,"confidence":0.8269043,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6831080913543701},{"word":"i","start":1175.0,"end":1175.1599,"confidence":0.9838867,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6723907589912415},{"word":"can","start":1175.1599,"end":1175.32,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6465596556663513},{"word":"do","start":1175.32,"end":1175.5599,"confidence":0.9951172,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.6007242202758789},{"word":"that","start":1175.5599,"end":1176.0599,"confidence":0.9970703,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5446078181266785},{"word":"yeah","start":1177.1599,"end":1177.24,"confidence":0.6923828,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4646204710006714},{"word":"sure","start":1177.24,"end":1177.74,"confidence":0.8679199,"punctuated_word":"Sure.","sentiment":"positive","sentiment_score":0.6115576028823853},{"word":"yep","start":1181.32,"end":1181.72,"confidence":0.7067871,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3498060405254364},{"word":"okay","start":1181.72,"end":1182.2,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4432973861694336},{"word":"cool","start":1182.2,"end":1182.7,"confidence":0.99853516,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4795732796192169},{"word":"okay","start":1202.14,"end":1202.64,"confidence":0.98168945,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.16561377048492432},{"word":"okay","start":1253.25,"end":1253.75,"confidence":0.9926758,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.015327619388699532},{"word":"mhmm","start":1279.285,"end":1279.785,"confidence":0.97961426,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.18215905129909515},{"word":"yep","start":1285.9501,"end":1286.4501,"confidence":0.97631836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.04151126742362976},{"word":"mhmm","start":1300.725,"end":1301.225,"confidence":0.90478516,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0259470883756876},{"word":"okay","start":1311.445,"end":1311.945,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06336066871881485},{"word":"mhmm","start":1325.52,"end":1326.02,"confidence":0.9458008,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03305020555853844},{"word":"mhmm","start":1344.21,"end":1344.71,"confidence":0.92700195,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0013529732823371887},{"word":"mhmm","start":1365.005,"end":1365.505,"confidence":0.8713989,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.011843115091323853},{"word":"okay","start":1376.99,"end":1377.49,"confidence":0.7487793,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03906778618693352},{"word":"alright","start":1389.6951,"end":1389.935,"confidence":0.85595703,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":-0.08163409680128098},{"word":"not","start":1389.935,"end":1390.0951,"confidence":0.97998047,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.19427849352359772},{"word":"that","start":1390.0951,"end":1390.3351,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2111108899116516},{"word":"i","start":1390.3351,"end":1390.415,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20735354721546173},{"word":"know","start":1390.415,"end":1390.655,"confidence":0.9921875,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.23080815374851227},{"word":"of","start":1390.655,"end":1391.055,"confidence":0.85913086,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":-0.26782071590423584},{"word":"apart","start":1391.055,"end":1391.375,"confidence":0.99121094,"punctuated_word":"Apart","sentiment":"neutral","sentiment_score":-0.18185043334960935},{"word":"from","start":1391.375,"end":1391.535,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.16098254919052124},{"word":"the","start":1391.535,"end":1391.6951,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1746000349521637},{"word":"one","start":1391.6951,"end":1391.8551,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.1565619856119156},{"word":"that","start":1391.8551,"end":1391.935,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.23975789546966553},{"word":"i","start":1391.935,"end":1392.0951,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.29943451285362244},{"word":"disclosed","start":1392.0951,"end":1392.495,"confidence":0.7529297,"punctuated_word":"disclosed","sentiment":"neutral","sentiment_score":-0.2380772829055786},{"word":"at","start":1392.495,"end":1392.5751,"confidence":0.4267578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.3122738301753998},{"word":"at","start":1392.5751,"end":1392.7351,"confidence":0.45874023,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.3433580994606018},{"word":"the","start":1392.7351,"end":1392.8151,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.331169068813324},{"word":"very","start":1392.8151,"end":1392.9751,"confidence":0.9482422,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.37204766273498535},{"word":"minute","start":1392.9751,"end":1393.2151,"confidence":0.8769531,"punctuated_word":"minute,","sentiment":"neutral","sentiment_score":-0.3244855999946594},{"word":"i'm","start":1393.2151,"end":1393.295,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.40916961431503296},{"word":"just","start":1393.295,"end":1393.535,"confidence":0.9892578,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.4283442497253418},{"word":"going","start":1393.535,"end":1393.775,"confidence":0.9980469,"punctuated_word":"going","sentiment":"negative","sentiment_score":-0.47583162784576416},{"word":"through","start":1393.775,"end":1394.275,"confidence":0.98535156,"punctuated_word":"through","sentiment":"negative","sentiment_score":-0.4044168889522553},{"word":"a","start":1394.495,"end":1394.5751,"confidence":0.6303711,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.44441962242126465},{"word":"weight","start":1394.5751,"end":1394.8151,"confidence":0.95410156,"punctuated_word":"weight","sentiment":"negative","sentiment_score":-0.3946566879749298},{"word":"loss","start":1394.8151,"end":1395.2151,"confidence":0.5740967,"punctuated_word":"loss.","sentiment":"negative","sentiment_score":-0.37966543436050415},{"word":"just","start":1395.2151,"end":1395.535,"confidence":0.44335938,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.05801080912351608},{"word":"like","start":1395.535,"end":1395.6951,"confidence":0.36914062,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.021349795162677765},{"word":"that's","start":1395.6951,"end":1395.935,"confidence":0.49121094,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.02294917218387127},{"word":"about","start":1395.935,"end":1396.175,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.003193013370037079},{"word":"it","start":1396.175,"end":1396.495,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.07768424600362778},{"word":"yeah","start":1396.495,"end":1396.995,"confidence":0.9724121,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.24186307191848755},{"word":"okay","start":1431.42,"end":1431.92,"confidence":0.9812012,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.060898832976818085},{"word":"mhmm","start":1443.115,"end":1443.615,"confidence":0.8609619,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.03496965765953064},{"word":"mhmm","start":1489.6,"end":1490.1,"confidence":0.970459,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.020725902169942856},{"word":"under","start":1510.7201,"end":1511.2201,"confidence":0.6467285,"punctuated_word":"Under.","sentiment":"neutral","sentiment_score":-0.15234750509262085},{"word":"okay","start":1529.335,"end":1529.835,"confidence":0.91015625,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.22083184123039248},{"word":"okay","start":1542.33,"end":1542.8099,"confidence":0.8635254,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0175516065210104},{"word":"no","start":1542.8099,"end":1542.97,"confidence":0.95214844,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.004985149949789047},{"word":"that's","start":1542.97,"end":1543.2899,"confidence":0.99365234,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07674097269773483},{"word":"fine","start":1543.2899,"end":1543.45,"confidence":0.97265625,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.09238629043102264},{"word":"no","start":1543.45,"end":1543.61,"confidence":0.54833984,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.07552491873502731},{"word":"worries","start":1543.61,"end":1543.85,"confidence":0.99365234,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.030677158385515213},{"word":"like","start":1543.85,"end":1544.0099,"confidence":0.72998047,"punctuated_word":"Like","sentiment":"neutral","sentiment_score":0.005231060087680817},{"word":"i","start":1544.0099,"end":1544.09,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008894279599189758},{"word":"said","start":1544.09,"end":1544.33,"confidence":0.99560547,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.03249400481581688},{"word":"i'm","start":1544.33,"end":1544.49,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.01243988424539566},{"word":"gonna","start":1544.49,"end":1544.8899,"confidence":0.96972656,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.016379602253437042},{"word":"be","start":1544.8899,"end":1545.21,"confidence":0.40307617,"punctuated_word":"be...","sentiment":"neutral","sentiment_score":0.003923326730728149},{"word":"go","start":1545.21,"end":1545.2899,"confidence":0.5883789,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":0.007356859743595123},{"word":"through","start":1545.2899,"end":1545.61,"confidence":0.98828125,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.01769912987947464},{"word":"this","start":1545.61,"end":1546.11,"confidence":0.94189453,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.00420340895652771},{"word":"document","start":1546.1699,"end":1546.57,"confidence":0.81152344,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.00859612226486206},{"word":"thoroughly","start":1546.57,"end":1546.97,"confidence":0.88305664,"punctuated_word":"thoroughly,","sentiment":"neutral","sentiment_score":0.06717526912689209},{"word":"but","start":1546.97,"end":1547.1299,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07222559303045273},{"word":"you've","start":1547.1299,"end":1547.37,"confidence":0.96875,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1078900545835495},{"word":"explained","start":1547.37,"end":1547.69,"confidence":0.9980469,"punctuated_word":"explained","sentiment":"neutral","sentiment_score":0.06581607460975647},{"word":"it","start":1547.69,"end":1547.9299,"confidence":0.9301758,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06587928533554077},{"word":"well","start":1547.9299,"end":1548.4299,"confidence":0.9875488,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08500587940216064},{"word":"yep","start":1562.015,"end":1562.515,"confidence":0.69763184,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.042477287352085114},{"word":"okay","start":1588.085,"end":1588.485,"confidence":0.9885254,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.26210057735443115},{"word":"okay","start":1588.485,"end":1588.985,"confidence":0.97021484,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3371991813182831},{"word":"all","start":1589.205,"end":1589.5249,"confidence":0.65625,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5581029057502747},{"word":"good","start":1589.5249,"end":1590.0249,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4621579647064209},{"word":"mhmm","start":1613.085,"end":1613.325,"confidence":0.9770508,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04151575639843941},{"word":"yeah","start":1613.325,"end":1613.645,"confidence":0.97924805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.058920931071043015},{"word":"i","start":1613.645,"end":1613.725,"confidence":0.92822266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04738764464855194},{"word":"can","start":1613.725,"end":1613.965,"confidence":0.9716797,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03631205856800079},{"word":"see","start":1613.965,"end":1614.445,"confidence":0.7578125,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.015228893607854843},{"word":"the","start":1614.445,"end":1614.945,"confidence":0.609375,"punctuated_word":"the...","sentiment":"neutral","sentiment_score":0.01306097861379385},{"word":"yep","start":1615.725,"end":1616.19,"confidence":0.96468097,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06432691216468811},{"word":"yep","start":1629.95,"end":1630.45,"confidence":0.8586426,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08310504257678986},{"word":"okay","start":1639.435,"end":1639.935,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.010495210997760296},{"word":"mhmm","start":1645.71,"end":1646.21,"confidence":0.92578125,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.07420472055673599},{"word":"yeah","start":1653.5625,"end":1654.0625,"confidence":0.83740234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03157753869891167},{"word":"okay","start":1671.735,"end":1672.235,"confidence":0.921875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05875435844063759},{"word":"mhmm","start":1700.925,"end":1701.425,"confidence":0.95739746,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09498237818479538},{"word":"yes","start":1706.0801,"end":1706.5801,"confidence":0.67944336,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15776246786117554},{"word":"okay","start":1712.7201,"end":1713.2201,"confidence":0.96118164,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.007080458104610443},{"word":"okay","start":1717.28,"end":1717.78,"confidence":0.9736328,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.26611757278442383},{"word":"that's","start":1717.8401,"end":1718.0801,"confidence":0.98706055,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4246549606323242},{"word":"good","start":1718.0801,"end":1718.3201,"confidence":0.75805664,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.46631795167922974},{"word":"yeah","start":1718.3201,"end":1718.4801,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.38212698698043823},{"word":"that's","start":1718.4801,"end":1718.8,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4525874257087707},{"word":"that's","start":1718.8,"end":1719.12,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4830268621444702},{"word":"good","start":1719.12,"end":1719.36,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5358667373657227},{"word":"to","start":1719.36,"end":1719.4401,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.489631861448288},{"word":"know","start":1719.4401,"end":1719.9401,"confidence":0.99902344,"punctuated_word":"know.","sentiment":"positive","sentiment_score":0.5359468460083008},{"word":"okay","start":1736.24,"end":1736.74,"confidence":0.8095703,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.45145928859710693},{"word":"yep","start":1737.6,"end":1738.1,"confidence":0.72106934,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4517636001110077},{"word":"yep","start":1751.295,"end":1751.795,"confidence":0.8034668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09857934713363647},{"word":"mhmm","start":1759.295,"end":1759.795,"confidence":0.9737549,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03869922459125519},{"word":"mhmm","start":1780.235,"end":1780.735,"confidence":0.85479736,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.011981419287621977},{"word":"okay","start":1791.595,"end":1792.095,"confidence":0.984375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.02058788202702999},{"word":"okay","start":1804.3401,"end":1804.8401,"confidence":0.9316406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05197129398584366},{"word":"alrighty","start":1805.3,"end":1805.8,"confidence":0.83935547,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.07949314266443253},{"word":"mhmm","start":1815.3151,"end":1815.8151,"confidence":0.9733887,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06610874831676483},{"word":"okay","start":1822.88,"end":1823.38,"confidence":0.8876953,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09420745074748992},{"word":"mhmm","start":1833.355,"end":1833.855,"confidence":0.8769531,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.13838917016983032},{"word":"yes","start":1838.955,"end":1839.355,"confidence":0.76660156,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.016653787344694138},{"word":"sandwich","start":1839.355,"end":1839.855,"confidence":0.71606445,"punctuated_word":"Sandwich.","sentiment":"neutral","sentiment_score":0.010202879086136818},{"word":"yep","start":1854.02,"end":1854.52,"confidence":0.79345703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.004091819282621145},{"word":"okay","start":1857.54,"end":1858.04,"confidence":0.98168945,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03382803499698639},{"word":"no","start":1858.18,"end":1858.42,"confidence":0.8574219,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.06832991540431976},{"word":"worries","start":1858.42,"end":1858.92,"confidence":0.78393555,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.08049530535936356},{"word":"of","start":1871.285,"end":1871.4451,"confidence":0.96972656,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.056780651211738586},{"word":"course","start":1871.4451,"end":1871.9451,"confidence":0.9941406,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.036622948944568634},{"word":"yeah","start":1872.405,"end":1872.885,"confidence":0.90527344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04284806549549103},{"word":"okay","start":1872.885,"end":1873.385,"confidence":0.99658203,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03003532439470291},{"word":"alrighty","start":1875.2051,"end":1875.7051,"confidence":0.8701172,"punctuated_word":"Alrighty.","sentiment":"neutral","sentiment_score":0.018141958862543103},{"word":"mhmm","start":1877.045,"end":1877.545,"confidence":0.94885254,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.01681162230670452},{"word":"sorry","start":1877.765,"end":1878.265,"confidence":0.7922363,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.2277097851037979},{"word":"no","start":1878.76,"end":1879.08,"confidence":0.6220703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23291200399398804},{"word":"oh","start":1879.08,"end":1879.24,"confidence":0.6536865,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.09099974483251572},{"word":"good","start":1879.24,"end":1879.4,"confidence":0.91625977,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.10948044806718826},{"word":"sorry","start":1879.4,"end":1879.7999,"confidence":0.98217773,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.014664597809314728},{"word":"mhmm","start":1879.7999,"end":1880.2999,"confidence":0.95080566,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04497873783111572},{"word":"mhmm","start":1904.0549,"end":1904.5549,"confidence":0.97766113,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03850752115249634},{"word":"okay","start":1919.63,"end":1920.13,"confidence":0.98950195,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.007394912652671337},{"word":"of","start":1925.815,"end":1926.0549,"confidence":0.93115234,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.10732192546129228},{"word":"course","start":1926.0549,"end":1926.375,"confidence":0.99853516,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":-0.08858592808246613},{"word":"yeah","start":1926.375,"end":1926.875,"confidence":0.97753906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0972122848033905},{"word":"yeah","start":1930.855,"end":1931.095,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02759714797139168},{"word":"okay","start":1931.095,"end":1931.595,"confidence":0.99194336,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.02179035358130932},{"word":"no","start":1931.6549,"end":1931.8949,"confidence":0.6833496,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.207991361618042},{"word":"understandable","start":1931.8949,"end":1932.3949,"confidence":0.99576825,"punctuated_word":"Understandable.","sentiment":"neutral","sentiment_score":-0.20737454295158383},{"word":"okay","start":1949.7949,"end":1950.2949,"confidence":0.9436035,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3463713526725769},{"word":"sounds","start":1950.4349,"end":1950.835,"confidence":0.99609375,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.5491018295288086},{"word":"good","start":1950.835,"end":1951.335,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4182858467102051},{"word":"mhmm","start":1957.955,"end":1958.455,"confidence":0.928833,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.02491072006523609},{"word":"yep","start":1970.23,"end":1970.73,"confidence":0.8977051,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1315375566482544},{"word":"alright","start":1998.0,"end":1998.5,"confidence":0.9838867,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.0986817702651024},{"word":"mhmm","start":2012.585,"end":2013.085,"confidence":0.9124756,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.059917788952589035},{"word":"okay","start":2013.625,"end":2014.125,"confidence":0.97631836,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.021131088957190514},{"word":"no","start":2016.63,"end":2016.87,"confidence":0.6682129,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12884244322776794},{"word":"that's","start":2016.87,"end":2017.27,"confidence":0.90527344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.11225545406341551},{"word":"about","start":2017.27,"end":2017.59,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.12485261261463164},{"word":"it","start":2017.59,"end":2018.09,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.03297686576843262},{"word":"definitely","start":2018.87,"end":2019.35,"confidence":0.5205078,"punctuated_word":"Definitely","sentiment":"positive","sentiment_score":0.6114988327026367},{"word":"a","start":2019.35,"end":2019.47,"confidence":0.65283203,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5994967818260193},{"word":"a","start":2019.47,"end":2019.59,"confidence":0.6274414,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6269726157188416},{"word":"lot","start":2019.59,"end":2019.75,"confidence":0.9970703,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.5056666135787964},{"word":"of","start":2019.75,"end":2019.91,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6510433554649353},{"word":"information","start":2019.91,"end":2020.39,"confidence":0.85595703,"punctuated_word":"information","sentiment":"positive","sentiment_score":0.5777119398117065},{"word":"i","start":2020.39,"end":2020.5499,"confidence":0.96435547,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4567880630493164},{"word":"need","start":2020.5499,"end":2020.71,"confidence":0.99902344,"punctuated_word":"need","sentiment":"positive","sentiment_score":0.4119967520236969},{"word":"to","start":2020.71,"end":2020.79,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5011368989944458},{"word":"go","start":2020.79,"end":2020.95,"confidence":0.9980469,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.5093661546707153},{"word":"through","start":2020.95,"end":2021.11,"confidence":0.99902344,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.5049114227294922},{"word":"and","start":2021.11,"end":2021.27,"confidence":0.984375,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4204689562320709},{"word":"read","start":2021.27,"end":2021.51,"confidence":0.99121094,"punctuated_word":"read","sentiment":"positive","sentiment_score":0.5548023581504822},{"word":"thoroughly","start":2021.51,"end":2021.83,"confidence":0.9316406,"punctuated_word":"thoroughly,","sentiment":"positive","sentiment_score":0.46221786737442017},{"word":"but","start":2021.83,"end":2022.07,"confidence":1.0,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.4494511485099793},{"word":"thank","start":2022.07,"end":2022.23,"confidence":1.0,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.8110345602035522},{"word":"you","start":2022.23,"end":2022.39,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8557007908821106},{"word":"so","start":2022.39,"end":2022.5499,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8362943530082703},{"word":"much","start":2022.5499,"end":2022.87,"confidence":0.9995117,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.8324234485626221},{"word":"i'm","start":2022.87,"end":2023.11,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.846209704875946},{"word":"looking","start":2023.11,"end":2023.4299,"confidence":1.0,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.8583921790122986},{"word":"forward","start":2023.4299,"end":2023.6699,"confidence":0.99902344,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.8787612915039062},{"word":"to","start":2023.6699,"end":2023.91,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.9040400385856628},{"word":"it","start":2023.91,"end":2024.41,"confidence":0.9946289,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.830294132232666},{"word":"mhmm","start":2033.045,"end":2033.545,"confidence":0.90808105,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09285170584917068},{"word":"just","start":2051.0,"end":2051.24,"confidence":0.5629883,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.03765440732240677},{"word":"give","start":2051.24,"end":2051.4001,"confidence":0.9941406,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.04087354242801666},{"word":"me","start":2051.4001,"end":2051.56,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.031304970383644104},{"word":"a","start":2051.56,"end":2051.6401,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01980084925889969},{"word":"week","start":2051.6401,"end":2051.8801,"confidence":0.954834,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.014409985393285751},{"word":"i","start":2051.8801,"end":2052.12,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14445574581623075},{"word":"i","start":2052.12,"end":2052.2,"confidence":0.9526367,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1629016101360321},{"word":"don't","start":2052.2,"end":2052.44,"confidence":0.97680664,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1559336930513382},{"word":"wanna","start":2052.44,"end":2052.76,"confidence":0.9790039,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.2375667691230774},{"word":"prolong","start":2052.76,"end":2053.24,"confidence":0.9970703,"punctuated_word":"prolong","sentiment":"neutral","sentiment_score":-0.2467738687992096},{"word":"the","start":2053.24,"end":2053.48,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1262262612581253},{"word":"process","start":2053.48,"end":2053.98,"confidence":0.9890137,"punctuated_word":"process.","sentiment":"neutral","sentiment_score":-0.05593220517039299},{"word":"yeah","start":2054.115,"end":2054.355,"confidence":0.9658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0551539771258831},{"word":"please","start":2054.355,"end":2054.595,"confidence":0.9980469,"punctuated_word":"Please","sentiment":"neutral","sentiment_score":0.011529326438903809},{"word":"just","start":2054.595,"end":2054.755,"confidence":0.96240234,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.052983179688453674},{"word":"give","start":2054.755,"end":2054.9949,"confidence":0.99609375,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.051534175872802734},{"word":"me","start":2054.9949,"end":2055.075,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1097101867198944},{"word":"a","start":2055.075,"end":2055.235,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09215857088565826},{"word":"week","start":2055.235,"end":2055.555,"confidence":0.89404297,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.09760412573814392},{"word":"and","start":2055.555,"end":2055.795,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11768116801977158},{"word":"then","start":2055.795,"end":2056.195,"confidence":0.9736328,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.08378008008003235},{"word":"i'll","start":2056.595,"end":2056.755,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17901036143302915},{"word":"just","start":2056.755,"end":2056.9949,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16774563491344452},{"word":"let","start":2056.9949,"end":2057.155,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.20693399012088776},{"word":"you","start":2057.155,"end":2057.235,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2546389102935791},{"word":"know","start":2057.235,"end":2057.395,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.15613526105880737},{"word":"what","start":2057.395,"end":2057.555,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1652148962020874},{"word":"my","start":2057.555,"end":2057.715,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.19464808702468872},{"word":"final","start":2057.715,"end":2058.035,"confidence":0.9951172,"punctuated_word":"final","sentiment":"neutral","sentiment_score":0.05670066177845001},{"word":"decision","start":2058.035,"end":2058.355,"confidence":1.0,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":0.09894312918186188},{"word":"is","start":2058.355,"end":2058.515,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19246806204319},{"word":"because","start":2058.515,"end":2058.675,"confidence":0.45263672,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2569029927253723},{"word":"i","start":2058.675,"end":2058.755,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3388262391090393},{"word":"wanna","start":2058.755,"end":2058.9949,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.4347841143608093},{"word":"go","start":2058.9949,"end":2059.155,"confidence":0.97998047,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3562659025192261},{"word":"through","start":2059.155,"end":2059.315,"confidence":0.96777344,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3580009341239929},{"word":"it","start":2059.315,"end":2059.395,"confidence":0.9658203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3037966787815094},{"word":"this","start":2059.395,"end":2059.555,"confidence":0.99609375,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.41253307461738586},{"word":"weekend","start":2059.555,"end":2059.755,"confidence":0.9375,"punctuated_word":"weekend","sentiment":"neutral","sentiment_score":0.30692073702812195},{"word":"and","start":2059.755,"end":2059.955,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3191152811050415},{"word":"read","start":2059.955,"end":2060.195,"confidence":0.9980469,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.24697427451610565},{"word":"it","start":2060.195,"end":2060.275,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2549726963043213},{"word":"properly","start":2060.275,"end":2060.775,"confidence":0.99902344,"punctuated_word":"properly.","sentiment":"neutral","sentiment_score":0.23882967233657837},{"word":"absolutely","start":2062.515,"end":2063.015,"confidence":0.8352051,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.4876233041286469},{"word":"alright","start":2065.9568,"end":2066.1968,"confidence":0.79663086,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.4014366269111634},{"word":"thank","start":2066.1968,"end":2066.4368,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7446219325065613},{"word":"you","start":2066.4368,"end":2066.5168,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.817643940448761},{"word":"so","start":2066.5168,"end":2066.677,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8032463788986206},{"word":"much","start":2066.677,"end":2066.917,"confidence":0.9621582,"punctuated_word":"much,","sentiment":"positive","sentiment_score":0.8085000514984131},{"word":"jenna","start":2066.917,"end":2067.2368,"confidence":0.69885254,"punctuated_word":"Jenna.","sentiment":"positive","sentiment_score":0.7540601491928101},{"word":"i","start":2067.2368,"end":2067.317,"confidence":0.9941406,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7936922311782837},{"word":"appreciate","start":2067.317,"end":2067.637,"confidence":1.0,"punctuated_word":"appreciate","sentiment":"positive","sentiment_score":0.6820026636123657},{"word":"your","start":2067.637,"end":2067.877,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7632026076316833},{"word":"time","start":2067.877,"end":2068.377,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7604895830154419},{"word":"you","start":2071.7969,"end":2072.0369,"confidence":0.7758789,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5592690110206604},{"word":"too","start":2072.0369,"end":2072.2769,"confidence":0.9941406,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.5556684136390686},{"word":"take","start":2072.2769,"end":2072.5168,"confidence":0.9980469,"punctuated_word":"Take","sentiment":"positive","sentiment_score":0.5885273218154907},{"word":"care","start":2072.5168,"end":2072.7568,"confidence":1.0,"punctuated_word":"care.","sentiment":"positive","sentiment_score":0.5171106457710266},{"word":"bye","start":2072.7568,"end":2073.2568,"confidence":0.99609375,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.3069641590118408}],"paragraphs":{"transcript":"\nHey, Jenna. I've got Kat on the phone for you. No. Not a problem. You good for me to transfer her through?\n\nI've not ID'd her, but I don't... Yep. Yeah. You feel free to do it, but I also don't believe we have to because she's technically not a client of yours yet, but you are about to go through the statement of advice, so it makes sense. Stunning.\n\nYou've got her in 321. I'm good. I'm so sorry I can't wait for your call. I've just been inundated at work. But, yeah, I I have time now.\n\nGood. The interest rate increase is just making life so hard, but I'm I'm getting through with it. Yeah. Yeah. That's fine.\n\nYeah. Sure. No worries. My name is Katya. 08/04/1994.\n\n90 Gowling Avenue In Wallow 3750. Yes. Yep. Yes. I have the phone now.\n\nOkay. No worries. Okay. Cool. Have you sent it?\n\nYep. Yeah. Oh, yep. I can see the sign. Click to start.\n\nOkay. Cool. Mhmm. Mhmm. Mhmm.\n\nMhmm. Mhmm. Mhmm. Mhmm. Mhmm.\n\nMhmm. Mhmm. Of course. Yep. Yeah.\n\nMhmm. Mhmm. Let me just quickly... No. It's still the same.\n\nLet's see. Mhmm. Yes. I am. I am.\n\nMhmm. Mhmm. Hi, Gretchen. Mhmm. Yeah.\n\nI'm on the first month. Yes. Sorry. Yep. Okay.\n\nOkay. Mhmm. Yeah. Yep. Okay.\n\nOkay. Yes. Mhmm. It does. Sorry.\n\nIt does or it doesn't? Mhmm. Mhmm. Investment option. Yep.\n\nYeah. That makes sense. Yes. Mhmm. Yes.\n\nMhmm. Okay. Yeah. Yes. Approximately transport.\n\nOkay. Okay. That could be... Mhmm. Okay.\n\nThat's that's good. Mhmm. Okay. Yep. Yeah.\n\nI can see them. I'll go through them properly as well. Yeah. Yeah. Yes.\n\nOkay. Mhmm. Okay. Yes. One Mhmm.\n\nYeah. No. But I would definitely need a three as well, probably. A little late on. On the same thing.\n\nOkay. Fine. Fine. Okay. Sorry.\n\nSo what you mean is pretty much going through my employer to do the pretax salary sacrifice? That's the price tax? Okay. Okay. So I just get $25 a week with my employer.\n\nOkay. Okay. Yep. Okay. The...\n\nI like the sign of that. I can do that. Yeah. Sure. Yep.\n\nOkay. Cool. Okay. Okay. Mhmm.\n\nYep. Mhmm. Okay. Mhmm. Mhmm.\n\nMhmm. Okay. Alright. Not that I know of. Apart from the one that I disclosed at at the very minute, I'm just going through a weight loss.\n\nJust like that's about it. Yeah. Okay. Mhmm. Mhmm.\n\nUnder. Okay. Okay. No. That's fine.\n\nNo worries. Like I said, I'm gonna be... Go through this document thoroughly, but you've explained it well. Yep. Okay.\n\nOkay. All good. Mhmm. Yeah. I can see the...\n\nYep. Yep. Okay. Mhmm. Yeah.\n\nOkay. Mhmm. Yes. Okay. Okay.\n\nThat's good. Yeah. That's that's good to know. Okay. Yep.\n\nYep. Mhmm. Mhmm. Okay. Okay.\n\nAlrighty. Mhmm. Okay. Mhmm. Yes.\n\nSandwich. Yep. Okay. No worries. Of course.\n\nYeah. Okay. Alrighty. Mhmm. Sorry.\n\nNo. Oh, good. Sorry. Mhmm. Mhmm.\n\nOkay. Of course. Yeah. Yeah. Okay.\n\nNo. Understandable. Okay. Sounds good. Mhmm.\n\nYep. Alright. Mhmm. Okay. No.\n\nThat's about it. Definitely a a lot of information I need to go through and read thoroughly, but thank you so much. I'm looking forward to it. Mhmm. Just give me a week.\n\nI I don't wanna prolong the process. Yeah. Please just give me a week, and then, I'll just let you know what my final decision is because I wanna go through it this weekend and read it properly. Absolutely. Alright.\n\nThank you so much, Jenna. I appreciate your time. You too. Take care. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Jenna.","start":2.32,"end":3.04,"sentiment":"neutral","sentiment_score":0.08623266965150833},{"text":"I've got Kat on the phone for you.","start":3.04,"end":5.22,"sentiment":"neutral","sentiment_score":0.17641345039010048},{"text":"No.","start":8.0,"end":8.32,"sentiment":"neutral","sentiment_score":0.20410758256912231},{"text":"Not a problem.","start":8.32,"end":8.88,"sentiment":"neutral","sentiment_score":0.16215567787488303},{"text":"You good for me to transfer her through?","start":8.88,"end":10.66,"sentiment":"neutral","sentiment_score":0.19073492661118507}],"sentiment":"neutral","sentiment_score":0.17273758961395783,"num_words":22,"start":2.32,"end":10.66},{"sentences":[{"text":"I've not ID'd her, but I don't...","start":12.96,"end":15.344999,"sentiment":"neutral","sentiment_score":-0.03244431130588055},{"text":"Yep.","start":16.285,"end":16.605,"sentiment":"neutral","sentiment_score":0.03674248978495598},{"text":"Yeah.","start":16.605,"end":17.005,"sentiment":"neutral","sentiment_score":0.0627991259098053},{"text":"You feel free to do it, but I also don't believe we have to because she's technically not a client of yours yet, but you are about to go through the statement of advice, so it makes sense.","start":17.005,"end":24.465,"sentiment":"neutral","sentiment_score":0.03959037613515791},{"text":"Stunning.","start":26.605,"end":27.085,"sentiment":"positive","sentiment_score":0.5200105905532837}],"sentiment":"neutral","sentiment_score":0.039518256671726704,"num_words":48,"start":12.96,"end":27.085},{"sentences":[{"text":"You've got her in 321.","start":27.085,"end":28.704998,"sentiment":"neutral","sentiment_score":0.2997836351394653},{"text":"I'm good.","start":33.06,"end":33.62,"sentiment":"neutral","sentiment_score":0.24642477929592133},{"text":"I'm so sorry I can't wait for your call.","start":33.62,"end":34.98,"sentiment":"neutral","sentiment_score":-0.04868949577212334},{"text":"I've just been inundated at work.","start":34.98,"end":37.08,"sentiment":"neutral","sentiment_score":-0.09785302355885506},{"text":"But, yeah, I I have time now.","start":37.78,"end":39.64,"sentiment":"neutral","sentiment_score":0.07824763416179589}],"sentiment":"neutral","sentiment_score":0.052213019659293106,"num_words":29,"start":27.085,"end":39.64},{"sentences":[{"text":"Good.","start":43.885,"end":44.385,"sentiment":"neutral","sentiment_score":0.07523587346076965},{"text":"The interest rate increase is just making life so hard, but I'm I'm getting through with it.","start":44.765,"end":50.305,"sentiment":"neutral","sentiment_score":-0.24175314605236053},{"text":"Yeah.","start":53.644997,"end":54.144997,"sentiment":"neutral","sentiment_score":-0.046992722898721695},{"text":"Yeah.","start":62.46,"end":62.7,"sentiment":"neutral","sentiment_score":0.017930690199136734},{"text":"That's fine.","start":62.7,"end":63.44,"sentiment":"neutral","sentiment_score":0.03654824569821358}],"sentiment":"neutral","sentiment_score":-0.1813878704878417,"num_words":22,"start":43.885,"end":63.44},{"sentences":[{"text":"Yeah.","start":70.06,"end":70.3,"sentiment":"neutral","sentiment_score":0.02620140090584755},{"text":"Sure.","start":70.3,"end":70.62,"sentiment":"neutral","sentiment_score":0.03403829038143158},{"text":"No worries.","start":70.62,"end":71.1,"sentiment":"neutral","sentiment_score":0.03871515020728111},{"text":"My name is Katya.","start":71.1,"end":72.16,"sentiment":"neutral","sentiment_score":0.033922077156603336},{"text":"08/04/1994.","start":72.86,"end":74.72,"sentiment":"neutral","sentiment_score":0.02139399945735931}],"sentiment":"neutral","sentiment_score":0.03275025553173489,"num_words":9,"start":70.06,"end":74.72},{"sentences":[{"text":"90 Gowling Avenue In Wallow 3750.","start":75.195,"end":78.495,"sentiment":"neutral","sentiment_score":0.026986096364756424},{"text":"Yes.","start":86.715004,"end":87.215004,"sentiment":"neutral","sentiment_score":0.08318930864334106},{"text":"Yep.","start":87.275,"end":87.775,"sentiment":"neutral","sentiment_score":0.03669996559619904},{"text":"Yes.","start":90.26,"end":90.76,"sentiment":"neutral","sentiment_score":0.04118778556585312},{"text":"I have the phone now.","start":90.82,"end":92.04,"sentiment":"neutral","sentiment_score":0.05973561778664589}],"sentiment":"neutral","sentiment_score":0.044405123351940086,"num_words":14,"start":75.195,"end":92.04},{"sentences":[{"text":"Okay.","start":124.06,"end":124.53999,"sentiment":"neutral","sentiment_score":0.2075355052947998},{"text":"No worries.","start":124.53999,"end":125.2,"sentiment":"neutral","sentiment_score":0.27247360348701477},{"text":"Okay.","start":134.455,"end":134.93501,"sentiment":"positive","sentiment_score":0.3781700134277344},{"text":"Cool.","start":134.93501,"end":135.43501,"sentiment":"positive","sentiment_score":0.5026891827583313},{"text":"Have you sent it?","start":139.335,"end":140.395,"sentiment":"neutral","sentiment_score":0.15565035864710808}],"sentiment":"neutral","sentiment_score":0.25066037144925857,"num_words":9,"start":124.06,"end":140.395},{"sentences":[{"text":"Yep.","start":149.91,"end":150.41,"sentiment":"neutral","sentiment_score":0.1758417785167694},{"text":"Yeah.","start":153.11,"end":153.51001,"sentiment":"neutral","sentiment_score":0.10720065236091614},{"text":"Oh, yep.","start":153.51001,"end":153.91,"sentiment":"neutral","sentiment_score":0.12357647716999054},{"text":"I can see the sign.","start":153.91,"end":155.03,"sentiment":"neutral","sentiment_score":0.09526401162147521},{"text":"Click to start.","start":155.03,"end":155.83,"sentiment":"neutral","sentiment_score":0.04088829333583514}],"sentiment":"neutral","sentiment_score":0.09409836027771235,"num_words":12,"start":149.91,"end":155.83},{"sentences":[{"text":"Okay.","start":155.83,"end":156.15001,"sentiment":"neutral","sentiment_score":0.1937052011489868},{"text":"Cool.","start":156.15001,"end":156.65001,"sentiment":"positive","sentiment_score":0.4149139821529389},{"text":"Mhmm.","start":163.765,"end":164.265,"sentiment":"neutral","sentiment_score":0.03517746180295944},{"text":"Mhmm.","start":183.59,"end":184.09,"sentiment":"neutral","sentiment_score":0.03962671756744385},{"text":"Mhmm.","start":205.845,"end":206.28,"sentiment":"neutral","sentiment_score":0.037033431231975555}],"sentiment":"neutral","sentiment_score":0.1440913587808609,"num_words":5,"start":155.83,"end":206.28},{"sentences":[{"text":"Mhmm.","start":221.56,"end":222.06,"sentiment":"neutral","sentiment_score":0.11294890940189362},{"text":"Mhmm.","start":234.72,"end":235.22,"sentiment":"neutral","sentiment_score":0.07789129763841629},{"text":"Mhmm.","start":256.73502,"end":257.23502,"sentiment":"neutral","sentiment_score":0.09374433755874634},{"text":"Mhmm.","start":277.895,"end":278.395,"sentiment":"neutral","sentiment_score":-0.0515957735478878},{"text":"Mhmm.","start":304.61,"end":305.11,"sentiment":"neutral","sentiment_score":0.01177629828453064}],"sentiment":"neutral","sentiment_score":0.048953013867139815,"num_words":5,"start":221.56,"end":305.11},{"sentences":[{"text":"Mhmm.","start":312.535,"end":313.035,"sentiment":"neutral","sentiment_score":-0.0587100014090538},{"text":"Mhmm.","start":322.80002,"end":323.30002,"sentiment":"neutral","sentiment_score":-0.039427533745765686},{"text":"Of course.","start":344.695,"end":345.415,"sentiment":"neutral","sentiment_score":-0.034445108845829964},{"text":"Yep.","start":345.415,"end":345.915,"sentiment":"neutral","sentiment_score":-0.018914122134447094},{"text":"Yeah.","start":352.38,"end":352.88,"sentiment":"neutral","sentiment_score":-0.053401097655296326}],"sentiment":"neutral","sentiment_score":-0.039890495439370476,"num_words":6,"start":312.535,"end":352.88},{"sentences":[{"text":"Mhmm.","start":362.62,"end":363.12,"sentiment":"neutral","sentiment_score":0.0037031518295407295},{"text":"Mhmm.","start":388.66,"end":389.16,"sentiment":"neutral","sentiment_score":0.0017764349468052387},{"text":"Let me just quickly...","start":394.305,"end":395.685,"sentiment":"neutral","sentiment_score":-0.024170563090592623},{"text":"No.","start":399.10498,"end":399.26498,"sentiment":"neutral","sentiment_score":-0.14357975125312805},{"text":"It's still the same.","start":399.26498,"end":400.32498,"sentiment":"neutral","sentiment_score":-0.10329356417059898}],"sentiment":"neutral","sentiment_score":-0.05890515213832259,"num_words":11,"start":362.62,"end":400.32498},{"sentences":[{"text":"Let's see.","start":401.745,"end":402.56497,"sentiment":"neutral","sentiment_score":0.12183304131031036},{"text":"Mhmm.","start":422.375,"end":422.875,"sentiment":"neutral","sentiment_score":0.01604619435966015},{"text":"Yes.","start":428.69498,"end":429.175,"sentiment":"neutral","sentiment_score":0.14894381165504456},{"text":"I am.","start":429.175,"end":429.495,"sentiment":"neutral","sentiment_score":0.17662254720926285},{"text":"I am.","start":429.495,"end":430.155,"sentiment":"neutral","sentiment_score":0.26857195794582367}],"sentiment":"neutral","sentiment_score":0.1623806373681873,"num_words":8,"start":401.745,"end":430.155},{"sentences":[{"text":"Mhmm.","start":439.87,"end":440.37,"sentiment":"neutral","sentiment_score":-0.0046828496269881725},{"text":"Mhmm.","start":451.205,"end":451.705,"sentiment":"neutral","sentiment_score":0.0479469895362854},{"text":"Hi, Gretchen.","start":470.35,"end":471.09,"sentiment":"neutral","sentiment_score":0.19166451692581177},{"text":"Mhmm.","start":475.705,"end":476.205,"sentiment":"neutral","sentiment_score":-0.0491691380739212},{"text":"Yeah.","start":497.71,"end":498.21,"sentiment":"neutral","sentiment_score":-0.04104728251695633}],"sentiment":"neutral","sentiment_score":0.056062792195007205,"num_words":6,"start":439.87,"end":498.21},{"sentences":[{"text":"I'm on the first month.","start":520.42,"end":521.72,"sentiment":"neutral","sentiment_score":-0.3205189287662506},{"text":"Yes.","start":523.13995,"end":523.45996,"sentiment":"neutral","sentiment_score":-0.03462781757116318},{"text":"Sorry.","start":523.45996,"end":523.77997,"sentiment":"neutral","sentiment_score":-0.06434077024459839},{"text":"Yep.","start":523.77997,"end":524.27997,"sentiment":"neutral","sentiment_score":0.0746934711933136},{"text":"Okay.","start":530.1,"end":530.6,"sentiment":"neutral","sentiment_score":0.03661809861660004}],"sentiment":"neutral","sentiment_score":-0.17669462909301123,"num_words":9,"start":520.42,"end":530.6},{"sentences":[{"text":"Okay.","start":541.745,"end":542.245,"sentiment":"neutral","sentiment_score":0.013390067964792252},{"text":"Mhmm.","start":585.54,"end":586.04,"sentiment":"neutral","sentiment_score":-0.045485466718673706},{"text":"Yeah.","start":596.71497,"end":597.21497,"sentiment":"neutral","sentiment_score":-0.09320366382598876},{"text":"Yep.","start":623.20496,"end":623.70496,"sentiment":"neutral","sentiment_score":0.07940739393234253},{"text":"Okay.","start":628.40497,"end":628.90497,"sentiment":"neutral","sentiment_score":0.050321053713560104}],"sentiment":"neutral","sentiment_score":0.0008858770132064819,"num_words":5,"start":541.745,"end":628.90497},{"sentences":[{"text":"Okay.","start":632.05,"end":632.55,"sentiment":"neutral","sentiment_score":0.09120356291532516},{"text":"Yes.","start":650.815,"end":651.315,"sentiment":"neutral","sentiment_score":-0.0668325126171112},{"text":"Mhmm.","start":679.975,"end":680.475,"sentiment":"neutral","sentiment_score":-0.3017505407333374},{"text":"It does.","start":688.16,"end":688.56,"sentiment":"neutral","sentiment_score":-0.09526167809963226},{"text":"Sorry.","start":688.56,"end":688.8,"sentiment":"neutral","sentiment_score":-0.1291511058807373}],"sentiment":"neutral","sentiment_score":-0.09950899208585422,"num_words":6,"start":632.05,"end":688.8},{"sentences":[{"text":"It does or it doesn't?","start":688.8,"end":690.01996,"sentiment":"neutral","sentiment_score":-0.08236220479011536},{"text":"Mhmm.","start":709.965,"end":710.465,"sentiment":"neutral","sentiment_score":-0.1102733165025711},{"text":"Mhmm.","start":718.62,"end":719.12,"sentiment":"neutral","sentiment_score":-0.14007340371608734},{"text":"Investment option.","start":734.71497,"end":735.77496,"sentiment":"neutral","sentiment_score":-0.003615233115851879},{"text":"Yep.","start":735.995,"end":736.495,"sentiment":"neutral","sentiment_score":0.07152097672224045}],"sentiment":"neutral","sentiment_score":-0.05978672336786985,"num_words":10,"start":688.8,"end":736.495},{"sentences":[{"text":"Yeah.","start":739.19495,"end":739.51495,"sentiment":"neutral","sentiment_score":0.12913379073143005},{"text":"That makes sense.","start":739.51495,"end":740.31494,"sentiment":"neutral","sentiment_score":0.14227405687173209},{"text":"Yes.","start":740.31494,"end":740.81494,"sentiment":"neutral","sentiment_score":0.2580910623073578},{"text":"Mhmm.","start":753.13,"end":753.63,"sentiment":"neutral","sentiment_score":-0.08877924084663391},{"text":"Yes.","start":770.005,"end":770.34,"sentiment":"neutral","sentiment_score":-0.1386253535747528}],"sentiment":"neutral","sentiment_score":0.08380606131894248,"num_words":7,"start":739.19495,"end":770.34},{"sentences":[{"text":"Mhmm.","start":778.98004,"end":779.48004,"sentiment":"neutral","sentiment_score":-0.07932459563016891},{"text":"Okay.","start":797.995,"end":798.495,"sentiment":"neutral","sentiment_score":-0.005343317985534668},{"text":"Yeah.","start":810.71,"end":811.21,"sentiment":"neutral","sentiment_score":0.011329819448292255},{"text":"Yes.","start":818.80505,"end":819.30505,"sentiment":"neutral","sentiment_score":0.0909477323293686},{"text":"Approximately transport.","start":829.04504,"end":830.34503,"sentiment":"neutral","sentiment_score":0.001726670190691948}],"sentiment":"neutral","sentiment_score":0.0035104964238901956,"num_words":6,"start":778.98004,"end":830.34503},{"sentences":[{"text":"Okay.","start":873.26996,"end":873.615,"sentiment":"neutral","sentiment_score":0.02178831398487091},{"text":"Okay.","start":881.375,"end":881.875,"sentiment":"neutral","sentiment_score":0.014544709585607052},{"text":"That could be...","start":891.84,"end":892.66,"sentiment":"neutral","sentiment_score":-0.02573460526764393},{"text":"Mhmm.","start":898.08,"end":898.58,"sentiment":"neutral","sentiment_score":0.03472737595438957},{"text":"Okay.","start":899.12,"end":899.52,"sentiment":"neutral","sentiment_score":0.11574693024158478}],"sentiment":"neutral","sentiment_score":0.015657644851931503,"num_words":7,"start":873.26996,"end":899.52},{"sentences":[{"text":"That's that's good.","start":899.52,"end":900.98,"sentiment":"positive","sentiment_score":0.34866053859392804},{"text":"Mhmm.","start":941.195,"end":941.695,"sentiment":"neutral","sentiment_score":-0.01472379919141531},{"text":"Okay.","start":942.315,"end":942.815,"sentiment":"neutral","sentiment_score":0.01808052323758602},{"text":"Yep.","start":943.835,"end":944.22,"sentiment":"neutral","sentiment_score":0.10723619163036346},{"text":"Yeah.","start":953.81995,"end":954.31995,"sentiment":"neutral","sentiment_score":0.009788624942302704}],"sentiment":"neutral","sentiment_score":0.16662330805723155,"num_words":7,"start":899.52,"end":954.31995},{"sentences":[{"text":"I can see them.","start":955.01996,"end":955.89996,"sentiment":"neutral","sentiment_score":0.1328994780778885},{"text":"I'll go through them properly as well.","start":955.89996,"end":957.74,"sentiment":"neutral","sentiment_score":0.22075471069131578},{"text":"Yeah.","start":957.74,"end":958.24,"sentiment":"positive","sentiment_score":0.5090763568878174},{"text":"Yeah.","start":977.85004,"end":978.35004,"sentiment":"neutral","sentiment_score":0.1009727343916893},{"text":"Yes.","start":995.92505,"end":996.42505,"sentiment":"neutral","sentiment_score":0.02614847756922245}],"sentiment":"neutral","sentiment_score":0.1937913182856781,"num_words":14,"start":955.01996,"end":996.42505},{"sentences":[{"text":"Okay.","start":1007.32,"end":1007.82,"sentiment":"neutral","sentiment_score":0.1549670249223709},{"text":"Mhmm.","start":1025.9,"end":1026.4,"sentiment":"neutral","sentiment_score":0.03922354057431221},{"text":"Okay.","start":1027.98,"end":1028.48,"sentiment":"neutral","sentiment_score":0.05020112544298172},{"text":"Yes.","start":1040.2949,"end":1040.7949,"sentiment":"neutral","sentiment_score":0.04661526158452034},{"text":"One Mhmm.","start":1049.6549,"end":1057.0801,"sentiment":"neutral","sentiment_score":0.11966927349567415}],"sentiment":"neutral","sentiment_score":0.08839091658592224,"num_words":6,"start":1007.32,"end":1057.0801},{"sentences":[{"text":"Yeah.","start":1076.375,"end":1076.875,"sentiment":"neutral","sentiment_score":-0.002606624737381935},{"text":"No.","start":1080.215,"end":1080.69,"sentiment":"neutral","sentiment_score":-0.10824516415596008},{"text":"But I would definitely need a three as well, probably.","start":1080.7699,"end":1083.59,"sentiment":"neutral","sentiment_score":-0.0764897994697094},{"text":"A little late on.","start":1090.61,"end":1091.75,"sentiment":"neutral","sentiment_score":-0.08212373312562704},{"text":"On the same thing.","start":1093.97,"end":1095.0299,"sentiment":"neutral","sentiment_score":0.0021462216973304753}],"sentiment":"neutral","sentiment_score":-0.05978299146518111,"num_words":20,"start":1076.375,"end":1095.0299},{"sentences":[{"text":"Okay.","start":1096.8251,"end":1097.3251,"sentiment":"neutral","sentiment_score":0.16987252235412598},{"text":"Fine.","start":1108.3451,"end":1108.8451,"sentiment":"neutral","sentiment_score":0.11553426086902618},{"text":"Fine.","start":1125.46,"end":1125.96,"sentiment":"neutral","sentiment_score":0.040370672941207886},{"text":"Okay.","start":1130.625,"end":1131.125,"sentiment":"neutral","sentiment_score":0.044903986155986786},{"text":"Sorry.","start":1131.3451,"end":1131.8451,"sentiment":"neutral","sentiment_score":0.003998670727014542}],"sentiment":"neutral","sentiment_score":0.07493602260947227,"num_words":5,"start":1096.8251,"end":1131.8451},{"sentences":[{"text":"So what you mean is pretty much going through my employer to do the pretax salary sacrifice?","start":1131.9851,"end":1138.645,"sentiment":"neutral","sentiment_score":0.020911304608863944},{"text":"That's the price tax?","start":1138.8651,"end":1140.0851,"sentiment":"neutral","sentiment_score":0.02194164227694273},{"text":"Okay.","start":1140.8651,"end":1141.3651,"sentiment":"neutral","sentiment_score":0.21949058771133423},{"text":"Okay.","start":1159.0951,"end":1159.495,"sentiment":"neutral","sentiment_score":0.228875994682312},{"text":"So I just get $25 a week with my employer.","start":1159.495,"end":1161.995,"sentiment":"neutral","sentiment_score":0.2622366189956665}],"sentiment":"neutral","sentiment_score":0.10648459150935664,"num_words":33,"start":1131.9851,"end":1161.995},{"sentences":[{"text":"Okay.","start":1162.135,"end":1162.635,"sentiment":"neutral","sentiment_score":0.1687822937965393},{"text":"Okay.","start":1167.5751,"end":1168.0751,"sentiment":"neutral","sentiment_score":0.18010400235652924},{"text":"Yep.","start":1172.84,"end":1173.24,"sentiment":"neutral","sentiment_score":0.2960985004901886},{"text":"Okay.","start":1173.24,"end":1173.72,"sentiment":"neutral","sentiment_score":0.31499868631362915},{"text":"The...","start":1173.72,"end":1173.96,"sentiment":"positive","sentiment_score":0.3683986961841583}],"sentiment":"neutral","sentiment_score":0.26567643582820893,"num_words":5,"start":1162.135,"end":1173.96},{"sentences":[{"text":"I like the sign of that.","start":1173.96,"end":1175.0,"sentiment":"positive","sentiment_score":0.688447376092275},{"text":"I can do that.","start":1175.0,"end":1176.0599,"sentiment":"positive","sentiment_score":0.6160706132650375},{"text":"Yeah.","start":1177.1599,"end":1177.24,"sentiment":"positive","sentiment_score":0.4646204710006714},{"text":"Sure.","start":1177.24,"end":1177.74,"sentiment":"positive","sentiment_score":0.6115576028823853},{"text":"Yep.","start":1181.32,"end":1181.72,"sentiment":"positive","sentiment_score":0.3498060405254364}],"sentiment":"positive","sentiment_score":0.6169962172324841,"num_words":13,"start":1173.96,"end":1181.72},{"sentences":[{"text":"Okay.","start":1181.72,"end":1182.2,"sentiment":"positive","sentiment_score":0.4432973861694336},{"text":"Cool.","start":1182.2,"end":1182.7,"sentiment":"positive","sentiment_score":0.4795732796192169},{"text":"Okay.","start":1202.14,"end":1202.64,"sentiment":"neutral","sentiment_score":0.16561377048492432},{"text":"Okay.","start":1253.25,"end":1253.75,"sentiment":"neutral","sentiment_score":0.015327619388699532},{"text":"Mhmm.","start":1279.285,"end":1279.785,"sentiment":"neutral","sentiment_score":-0.18215905129909515}],"sentiment":"neutral","sentiment_score":0.18433060087263584,"num_words":5,"start":1181.72,"end":1279.785},{"sentences":[{"text":"Yep.","start":1285.9501,"end":1286.4501,"sentiment":"neutral","sentiment_score":-0.04151126742362976},{"text":"Mhmm.","start":1300.725,"end":1301.225,"sentiment":"neutral","sentiment_score":0.0259470883756876},{"text":"Okay.","start":1311.445,"end":1311.945,"sentiment":"neutral","sentiment_score":0.06336066871881485},{"text":"Mhmm.","start":1325.52,"end":1326.02,"sentiment":"neutral","sentiment_score":0.03305020555853844},{"text":"Mhmm.","start":1344.21,"end":1344.71,"sentiment":"neutral","sentiment_score":0.0013529732823371887}],"sentiment":"neutral","sentiment_score":0.01643993370234966,"num_words":5,"start":1285.9501,"end":1344.71},{"sentences":[{"text":"Mhmm.","start":1365.005,"end":1365.505,"sentiment":"neutral","sentiment_score":0.011843115091323853},{"text":"Okay.","start":1376.99,"end":1377.49,"sentiment":"neutral","sentiment_score":0.03906778618693352},{"text":"Alright.","start":1389.6951,"end":1389.935,"sentiment":"neutral","sentiment_score":-0.08163409680128098},{"text":"Not that I know of.","start":1389.935,"end":1391.055,"sentiment":"neutral","sentiment_score":-0.22227436006069184},{"text":"Apart from the one that I disclosed at at the very minute, I'm just going through a weight loss.","start":1391.055,"end":1395.2151,"sentiment":"neutral","sentiment_score":-0.3195317411109021}],"sentiment":"neutral","sentiment_score":-0.2671554843308749,"num_words":27,"start":1365.005,"end":1395.2151},{"sentences":[{"text":"Just like that's about it.","start":1395.2151,"end":1396.495,"sentiment":"neutral","sentiment_score":0.03663740716874599},{"text":"Yeah.","start":1396.495,"end":1396.995,"sentiment":"neutral","sentiment_score":0.24186307191848755},{"text":"Okay.","start":1431.42,"end":1431.92,"sentiment":"neutral","sentiment_score":-0.060898832976818085},{"text":"Mhmm.","start":1443.115,"end":1443.615,"sentiment":"neutral","sentiment_score":-0.03496965765953064},{"text":"Mhmm.","start":1489.6,"end":1490.1,"sentiment":"neutral","sentiment_score":-0.020725902169942856}],"sentiment":"neutral","sentiment_score":0.034272857217325106,"num_words":9,"start":1395.2151,"end":1490.1},{"sentences":[{"text":"Under.","start":1510.7201,"end":1511.2201,"sentiment":"neutral","sentiment_score":-0.15234750509262085},{"text":"Okay.","start":1529.335,"end":1529.835,"sentiment":"neutral","sentiment_score":-0.22083184123039248},{"text":"Okay.","start":1542.33,"end":1542.8099,"sentiment":"neutral","sentiment_score":0.0175516065210104},{"text":"No.","start":1542.8099,"end":1542.97,"sentiment":"neutral","sentiment_score":0.004985149949789047},{"text":"That's fine.","start":1542.97,"end":1543.45,"sentiment":"neutral","sentiment_score":0.08456363156437874}],"sentiment":"neutral","sentiment_score":-0.030252554453909397,"num_words":6,"start":1510.7201,"end":1543.45},{"sentences":[{"text":"No worries.","start":1543.45,"end":1543.85,"sentiment":"neutral","sentiment_score":0.05310103856027126},{"text":"Like I said, I'm gonna be...","start":1543.85,"end":1545.21,"sentiment":"neutral","sentiment_score":0.013227026288708052},{"text":"Go through this document thoroughly, but you've explained it well.","start":1545.21,"end":1548.4299,"sentiment":"neutral","sentiment_score":0.04846554324030876},{"text":"Yep.","start":1562.015,"end":1562.515,"sentiment":"neutral","sentiment_score":-0.042477287352085114},{"text":"Okay.","start":1588.085,"end":1588.485,"sentiment":"neutral","sentiment_score":0.26210057735443115}],"sentiment":"neutral","sentiment_score":0.044492147862911224,"num_words":20,"start":1543.45,"end":1588.485},{"sentences":[{"text":"Okay.","start":1588.485,"end":1588.985,"sentiment":"positive","sentiment_score":0.3371991813182831},{"text":"All good.","start":1589.205,"end":1590.0249,"sentiment":"positive","sentiment_score":0.5101304352283478},{"text":"Mhmm.","start":1613.085,"end":1613.325,"sentiment":"neutral","sentiment_score":0.04151575639843941},{"text":"Yeah.","start":1613.325,"end":1613.645,"sentiment":"neutral","sentiment_score":0.058920931071043015},{"text":"I can see the...","start":1613.645,"end":1614.945,"sentiment":"neutral","sentiment_score":0.027997393859550357}],"sentiment":"neutral","sentiment_score":0.17443181274251807,"num_words":9,"start":1588.485,"end":1614.945},{"sentences":[{"text":"Yep.","start":1615.725,"end":1616.19,"sentiment":"neutral","sentiment_score":0.06432691216468811},{"text":"Yep.","start":1629.95,"end":1630.45,"sentiment":"neutral","sentiment_score":0.08310504257678986},{"text":"Okay.","start":1639.435,"end":1639.935,"sentiment":"neutral","sentiment_score":0.010495210997760296},{"text":"Mhmm.","start":1645.71,"end":1646.21,"sentiment":"neutral","sentiment_score":-0.07420472055673599},{"text":"Yeah.","start":1653.5625,"end":1654.0625,"sentiment":"neutral","sentiment_score":-0.03157753869891167}],"sentiment":"neutral","sentiment_score":0.010428981296718121,"num_words":5,"start":1615.725,"end":1654.0625},{"sentences":[{"text":"Okay.","start":1671.735,"end":1672.235,"sentiment":"neutral","sentiment_score":0.05875435844063759},{"text":"Mhmm.","start":1700.925,"end":1701.425,"sentiment":"neutral","sentiment_score":0.09498237818479538},{"text":"Yes.","start":1706.0801,"end":1706.5801,"sentiment":"neutral","sentiment_score":0.15776246786117554},{"text":"Okay.","start":1712.7201,"end":1713.2201,"sentiment":"neutral","sentiment_score":0.007080458104610443},{"text":"Okay.","start":1717.28,"end":1717.78,"sentiment":"neutral","sentiment_score":0.26611757278442383}],"sentiment":"neutral","sentiment_score":0.11693944707512856,"num_words":5,"start":1671.735,"end":1717.78},{"sentences":[{"text":"That's good.","start":1717.8401,"end":1718.3201,"sentiment":"positive","sentiment_score":0.445486456155777},{"text":"Yeah.","start":1718.3201,"end":1718.4801,"sentiment":"positive","sentiment_score":0.38212698698043823},{"text":"That's that's good to know.","start":1718.4801,"end":1719.9401,"sentiment":"positive","sentiment_score":0.49941194653511045},{"text":"Okay.","start":1736.24,"end":1736.74,"sentiment":"positive","sentiment_score":0.45145928859710693},{"text":"Yep.","start":1737.6,"end":1738.1,"sentiment":"positive","sentiment_score":0.4517636001110077}],"sentiment":"positive","sentiment_score":0.4673382520675659,"num_words":10,"start":1717.8401,"end":1738.1},{"sentences":[{"text":"Yep.","start":1751.295,"end":1751.795,"sentiment":"neutral","sentiment_score":0.09857934713363647},{"text":"Mhmm.","start":1759.295,"end":1759.795,"sentiment":"neutral","sentiment_score":0.03869922459125519},{"text":"Mhmm.","start":1780.235,"end":1780.735,"sentiment":"neutral","sentiment_score":0.011981419287621977},{"text":"Okay.","start":1791.595,"end":1792.095,"sentiment":"neutral","sentiment_score":0.02058788202702999},{"text":"Okay.","start":1804.3401,"end":1804.8401,"sentiment":"neutral","sentiment_score":0.05197129398584366}],"sentiment":"neutral","sentiment_score":0.044363833405077456,"num_words":5,"start":1751.295,"end":1804.8401},{"sentences":[{"text":"Alrighty.","start":1805.3,"end":1805.8,"sentiment":"neutral","sentiment_score":0.07949314266443253},{"text":"Mhmm.","start":1815.3151,"end":1815.8151,"sentiment":"neutral","sentiment_score":0.06610874831676483},{"text":"Okay.","start":1822.88,"end":1823.38,"sentiment":"neutral","sentiment_score":0.09420745074748992},{"text":"Mhmm.","start":1833.355,"end":1833.855,"sentiment":"neutral","sentiment_score":0.13838917016983032},{"text":"Yes.","start":1838.955,"end":1839.355,"sentiment":"neutral","sentiment_score":0.016653787344694138}],"sentiment":"neutral","sentiment_score":0.07897045984864234,"num_words":5,"start":1805.3,"end":1839.355},{"sentences":[{"text":"Sandwich.","start":1839.355,"end":1839.855,"sentiment":"neutral","sentiment_score":0.010202879086136818},{"text":"Yep.","start":1854.02,"end":1854.52,"sentiment":"neutral","sentiment_score":0.004091819282621145},{"text":"Okay.","start":1857.54,"end":1858.04,"sentiment":"neutral","sentiment_score":0.03382803499698639},{"text":"No worries.","start":1858.18,"end":1858.92,"sentiment":"neutral","sentiment_score":0.07441261038184166},{"text":"Of course.","start":1871.285,"end":1871.9451,"sentiment":"neutral","sentiment_score":0.04670180007815361}],"sentiment":"neutral","sentiment_score":0.0414787934693907,"num_words":7,"start":1839.355,"end":1871.9451},{"sentences":[{"text":"Yeah.","start":1872.405,"end":1872.885,"sentiment":"neutral","sentiment_score":0.04284806549549103},{"text":"Okay.","start":1872.885,"end":1873.385,"sentiment":"neutral","sentiment_score":0.03003532439470291},{"text":"Alrighty.","start":1875.2051,"end":1875.7051,"sentiment":"neutral","sentiment_score":0.018141958862543103},{"text":"Mhmm.","start":1877.045,"end":1877.545,"sentiment":"neutral","sentiment_score":-0.01681162230670452},{"text":"Sorry.","start":1877.765,"end":1878.265,"sentiment":"neutral","sentiment_score":-0.2277097851037979}],"sentiment":"neutral","sentiment_score":-0.03069921173155308,"num_words":5,"start":1872.405,"end":1878.265},{"sentences":[{"text":"No.","start":1878.76,"end":1879.08,"sentiment":"neutral","sentiment_score":-0.23291200399398804},{"text":"Oh, good.","start":1879.08,"end":1879.4,"sentiment":"neutral","sentiment_score":0.10024009644985199},{"text":"Sorry.","start":1879.4,"end":1879.7999,"sentiment":"neutral","sentiment_score":-0.014664597809314728},{"text":"Mhmm.","start":1879.7999,"end":1880.2999,"sentiment":"neutral","sentiment_score":0.04497873783111572},{"text":"Mhmm.","start":1904.0549,"end":1904.5549,"sentiment":"neutral","sentiment_score":0.03850752115249634}],"sentiment":"neutral","sentiment_score":0.006064975013335546,"num_words":6,"start":1878.76,"end":1904.5549},{"sentences":[{"text":"Okay.","start":1919.63,"end":1920.13,"sentiment":"neutral","sentiment_score":0.007394912652671337},{"text":"Of course.","start":1925.815,"end":1926.375,"sentiment":"neutral","sentiment_score":-0.0979539267718792},{"text":"Yeah.","start":1926.375,"end":1926.875,"sentiment":"neutral","sentiment_score":-0.0972122848033905},{"text":"Yeah.","start":1930.855,"end":1931.095,"sentiment":"neutral","sentiment_score":-0.02759714797139168},{"text":"Okay.","start":1931.095,"end":1931.595,"sentiment":"neutral","sentiment_score":-0.02179035358130932}],"sentiment":"neutral","sentiment_score":-0.05585212120786309,"num_words":6,"start":1919.63,"end":1931.595},{"sentences":[{"text":"No.","start":1931.6549,"end":1931.8949,"sentiment":"neutral","sentiment_score":-0.207991361618042},{"text":"Understandable.","start":1931.8949,"end":1932.3949,"sentiment":"neutral","sentiment_score":-0.20737454295158383},{"text":"Okay.","start":1949.7949,"end":1950.2949,"sentiment":"positive","sentiment_score":0.3463713526725769},{"text":"Sounds good.","start":1950.4349,"end":1951.335,"sentiment":"positive","sentiment_score":0.48369383811950684},{"text":"Mhmm.","start":1957.955,"end":1958.455,"sentiment":"neutral","sentiment_score":0.02491072006523609}],"sentiment":"neutral","sentiment_score":0.1538839740678668,"num_words":6,"start":1931.6549,"end":1958.455},{"sentences":[{"text":"Yep.","start":1970.23,"end":1970.73,"sentiment":"neutral","sentiment_score":0.1315375566482544},{"text":"Alright.","start":1998.0,"end":1998.5,"sentiment":"neutral","sentiment_score":0.0986817702651024},{"text":"Mhmm.","start":2012.585,"end":2013.085,"sentiment":"neutral","sentiment_score":0.059917788952589035},{"text":"Okay.","start":2013.625,"end":2014.125,"sentiment":"neutral","sentiment_score":0.021131088957190514},{"text":"No.","start":2016.63,"end":2016.87,"sentiment":"neutral","sentiment_score":-0.12884244322776794}],"sentiment":"neutral","sentiment_score":0.03648515231907368,"num_words":5,"start":1970.23,"end":2016.87},{"sentences":[{"text":"That's about it.","start":2016.87,"end":2018.09,"sentiment":"neutral","sentiment_score":-0.09002831081549327},{"text":"Definitely a a lot of information I need to go through and read thoroughly, but thank you so much.","start":2018.87,"end":2022.87,"sentiment":"positive","sentiment_score":0.5883675217628479},{"text":"I'm looking forward to it.","start":2022.87,"end":2024.41,"sentiment":"positive","sentiment_score":0.8635394692420959},{"text":"Mhmm.","start":2033.045,"end":2033.545,"sentiment":"neutral","sentiment_score":0.09285170584917068},{"text":"Just give me a week.","start":2051.0,"end":2051.8801,"sentiment":"neutral","sentiment_score":-0.028808750957250596}],"sentiment":"positive","sentiment_score":0.4598607054036675,"num_words":33,"start":2016.87,"end":2051.8801},{"sentences":[{"text":"I I don't wanna prolong the process.","start":2051.8801,"end":2053.98,"sentiment":"neutral","sentiment_score":-0.16139859333634377},{"text":"Yeah.","start":2054.115,"end":2054.355,"sentiment":"neutral","sentiment_score":0.0551539771258831},{"text":"Please just give me a week, and then, I'll just let you know what my final decision is because I wanna go through it this weekend and read it properly.","start":2054.355,"end":2060.775,"sentiment":"neutral","sentiment_score":0.20391141350070635},{"text":"Absolutely.","start":2062.515,"end":2063.015,"sentiment":"positive","sentiment_score":0.4876233041286469},{"text":"Alright.","start":2065.9568,"end":2066.1968,"sentiment":"positive","sentiment_score":0.4014366269111634}],"sentiment":"neutral","sentiment_score":0.14829415399581194,"num_words":40,"start":2051.8801,"end":2066.1968},{"sentences":[{"text":"Thank you so much, Jenna.","start":2066.1968,"end":2067.2368,"sentiment":"positive","sentiment_score":0.7856144905090332},{"text":"I appreciate your time.","start":2067.2368,"end":2068.377,"sentiment":"positive","sentiment_score":0.7498467713594437},{"text":"You too.","start":2071.7969,"end":2072.2769,"sentiment":"positive","sentiment_score":0.5574687123298645},{"text":"Take care.","start":2072.2769,"end":2072.7568,"sentiment":"positive","sentiment_score":0.5528189837932587},{"text":"Bye.","start":2072.7568,"end":2073.2568,"sentiment":"neutral","sentiment_score":0.3069641590118408}],"sentiment":"positive","sentiment_score":0.6753570778029305,"num_words":14,"start":2066.1968,"end":2073.2568}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hey, Maddie.\n\nChannel 1: Hey, Jenna. I've got Kat on the phone for you.\n\nChannel 0: Fantastic. Thank you so much.\n\nChannel 1: No. Not a problem. You good for me to transfer her through?\n\nChannel 0: Yeah. Has she been ID'd?\n\nChannel 1: I've not ID'd her, but I don't...\n\nChannel 0: That's okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. You feel free to do it, but I also don't believe we have to because she's technically not a client of yours yet, but you are about to go through the statement of advice, so it makes sense.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Stunning. You've got her in 321.\n\nChannel 0: Thanks. Hi, Kat. It's Jenna here. How are you?\n\nChannel 1: I'm good. I'm so sorry I can't wait for your call. I've just been inundated at work. But,\n\nChannel 0: That's\n\nChannel 1: yeah, I\n\nChannel 0: absolutely\n\nChannel 1: I have time\n\nChannel 0: fine.\n\nChannel 1: now.\n\nChannel 0: That's absolutely fine. How are you doing today?\n\nChannel 1: Good. The interest rate increase is just making life so hard, but I'm I'm getting through with it.\n\nChannel 0: Yeah. It is difficult. It is, isn't it?\n\nChannel 1: Yeah.\n\nChannel 0: Just before I go any further, I do need to let you know that our calls are recorded for coaching and quality purposes. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: And I am sorry, but I do need to get you to confirm your full name, date of birth, and address again, please.\n\nChannel 1: Yeah. Sure. No worries. My name is Katya. 08/04/1994.\n\n90 Gowling Avenue In Wallow 3750.\n\nChannel 0: Fantastic. Thank you so much for that. And you have some time now to go through the\n\nChannel 1: Yes. Yep.\n\nChannel 0: statement of advice?\n\nChannel 1: Yes. I have the phone now.\n\nChannel 0: Fantastic. I'm going to send you an email. It's gonna come through from Odoo Sign, and it will say Jenna. When you open that email, if you just... It's...\n\nIt will say click here to sign or sign here to click. I mean, you know what I mean. It's Friday. And you're not signing anything at the moment. It's just gonna navigate you to the advice document that we're gonna talk through.\n\nChannel 1: Okay. No worries.\n\nChannel 0: So if you let me know when you have that open, I will be able to begin.\n\nChannel 1: Okay. Cool. Have\n\nChannel 0: It\n\nChannel 1: you sent\n\nChannel 0: might\n\nChannel 1: it?\n\nChannel 0: take a I have sent it. It might take it a little bit to come through. Just... It is a rather large document, so, hopefully, it will\n\nChannel 1: Yep.\n\nChannel 0: be with you momentarily.\n\nChannel 1: Yeah. Oh, yep. I can see the sign. Click to start. Okay.\n\nCool.\n\nChannel 0: Yep. So the first document you should have is a statement of advice.\n\nChannel 1: Mhmm.\n\nChannel 0: So we're just gonna talk through that. So this is where all the advice is contained. So the the cover page itself is... Explains that the advice is prepared for you. It's prepared by me, and I'm authorized by Oakview Financial to provide this advice.\n\nChannel 1: Mhmm.\n\nChannel 0: Then the next page covers off our best interest duty. So what this states is that we need to identify a client's financial situation, your needs, assess whether any advice provided is in your best interest, conduct diligent investigation to make sure any advice is relevant to your circumstances.\n\nChannel 1: Mhmm.\n\nChannel 0: Following that is a table of contents, and then the next page is the scope of advice. So that's where we talked about your goals, and this is gonna outline what is covered in this advice document. So\n\nChannel 1: Mhmm.\n\nChannel 0: we will be reviewing your superannuation, and your goal is to be debt free and have sufficient income to support your lifestyle of 3,500 per week throughout retirement. So we're gonna look at reviewing\n\nChannel 1: Mhmm.\n\nChannel 0: your super to help you work towards that goal. We've looked at the $25 a week you do after you get your pay into super and recommended to set this up as salary sacrifice arrangement instead so that what we'll be talking through.\n\nChannel 1: Mhmm.\n\nChannel 0: We're also gonna look at your insurances. We've made some recommendations surrounding that, and that your beneficiary nominations within your super and any insurance is in place for your daughter as well as establishing a will and power of attorney.\n\nChannel 1: Mhmm.\n\nChannel 0: The goals that aren't included in this advice is your budget and savings goal where you're you're saving a $100 per fortnight, at your debt goals of consolidating debt if you could. So that would be covered externally outside of our advice if you decided to go along with that... With the broker details that we shared with you\n\nChannel 1: Mhmm.\n\nChannel 0: and along with investment. So you did mention you wanted to consider an investment account for your daughter down the track, but not at\n\nChannel 1: Mhmm.\n\nChannel 0: this point. And also, again, property. So that's not addressed in... The purchase of property isn't addressed in this advice document either. Does that make sense?\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. The next page is our limited of advice. So it... The advice is based on the information you've provided to us. So if anything isn't provided, the advice could not be accurate.\n\nIt also lets you know that I'm not a lawyer, so I can't help you draft wills or powers of attorney.\n\nChannel 1: Of course.\n\nChannel 0: And...\n\nChannel 1: Yep.\n\nChannel 0: Yep. And that I'm also... Cannot provide advice in regards to general insurance\n\nChannel 1: Yeah.\n\nChannel 0: products. I am able to provide tax advice relevant to financial advice only, but not tax returns or any of those types of matters.\n\nChannel 1: Mhmm.\n\nChannel 0: The next couple of pages are the about you section. So this is where we completed in our initial meetings your information. So dates of birth, income, occupation, savings, your assets and liabilities, as well as your current super with Hester and the life insurance and income protection you hold in Hester.\n\nChannel 1: Mhmm.\n\nChannel 0: Has any of that changed, do you think?\n\nChannel 1: Let me just quickly... No. It's still the same.\n\nChannel 0: Lovely.\n\nChannel 1: Let's see.\n\nChannel 0: In our meetings, we completed a risk profile. So that was to ascertain your comfort levels to risk, and it came out as... You came out as a high growth in Vista, which means that 90% of your assets are allocated to growth with 10%\n\nChannel 1: Mhmm.\n\nChannel 0: approximately to defensive. So are you still comfortable with that based on our previous conversation?\n\nChannel 1: Yes. I am. I am.\n\nChannel 0: Fantastic. The next couple of pages is where the real detail is in regards to the advice. So\n\nChannel 1: Mhmm.\n\nChannel 0: the first part is that we're recommending you roll over your HESTA superannuation fund into a new hub 24 platform superannuation fund.\n\nChannel 1: Mhmm.\n\nChannel 0: This this will be done over probably two phases, and I'll I'll dig a little bit deeper as to why. We've recommended establishing hub and investing in our high growth\n\nChannel 1: Hi, Gretchen.\n\nChannel 0: zero point five portfolio, which I'll discuss the investments in a little bit. The\n\nChannel 1: Mhmm.\n\nChannel 0: reason being is that Hester holds exposure to unlisted assets such as property and infrastructure. Unlisted assets are typically valued infrequently rather than daily, which does restrict the pricing transparency. So, for example, if they hold an investment in a property unlisted fund, that may be valued\n\nChannel 1: Yeah.\n\nChannel 0: monthly or quarterly. So, having a fully liquid and daily unitized or priced fund does provide a lot more transparency. The downsides are that the hub twenty four will cost you proper... Approximately an extra 50\n\nChannel 1: I'm\n\nChannel 0: $8\n\nChannel 1: on the first\n\nChannel 0: per...\n\nChannel 1: month. Yes. Sorry. Yep.\n\nChannel 0: You're absolutely fine. It's gonna cost approximately $58 per annum more in\n\nChannel 1: Okay.\n\nChannel 0: administration fees, but you will have enhanced diversification and a lot more investment flexibility within that fund.\n\nChannel 1: Okay.\n\nChannel 0: When you roll over or sell out of a superannuation fund, there's always capital gains tax that's incurred within the fund depending on gross or losses. When we roll out of our industry funds such as HESTA, we're not able to find out what that capital gains tax could be, whether it's positive or negative just because of the way funds are invested in industry funds. So your money is invested in what's called a pooled tax structure. So rather than owning individual investments, you'll... You own a share of those investments.\n\nSo what happens when you roll out is the\n\nChannel 1: Mhmm.\n\nChannel 0: super... The industry superannuation fund will apply whatever capital gains is applicable, but we're not able to detail what that actually is. So\n\nChannel 1: Yeah.\n\nChannel 0: that's just something to be aware of. How we will do... How we recommend it occur is that we will roll over partially most of your HESTA superannuation with 10,000 being retained in HESTA until we're able to transfer over your existing insurance policies within HESTA. Once\n\nChannel 1: Yep.\n\nChannel 0: those insurance policies are transferred over, we'll then do a full rollover of\n\nChannel 1: Okay.\n\nChannel 0: the remaining funds closing the HESTA funds.\n\nChannel 1: Okay.\n\nChannel 0: The outcomes are that investment fee wise, the HUB24 portfolio is less. So your investment management fees, but the admin fees are higher, which I'll talk you through shot... Shortly.\n\nChannel 1: Yes.\n\nChannel 0: The disadvantages is, as I mentioned, the higher administration fees of $58 per annum. We will apply an ongoing adviser fee, which I will talk you through as well, later on in the document. And that the recommended portfolio that I'm making a recommendation does have a higher allocation to growth assets,\n\nChannel 1: Mhmm.\n\nChannel 0: which does expose you to more market volatility and fluctuations over time.\n\nChannel 1: It does. Sorry. It does or it doesn't?\n\nChannel 0: It does. So compared to your HESTA, it is... Let me get that exact figure. It's a little bit further in the document, but while we're here, I'll discuss it. So your current portfolio with HESTA has about 66% exposure to growth assets,\n\nChannel 1: Mhmm.\n\nChannel 0: which which doesn't really fit with your high growth investment approach\n\nChannel 1: Mhmm.\n\nChannel 0: and and 34% in defensive assets. Our portfolio is recommending approximately 94% in growth assets with about 6% in defensive assets. So sitting towards more that high growth investment option.\n\nChannel 1: Investment option. Yep.\n\nChannel 0: Does that make\n\nChannel 1: Yeah. That makes\n\nChannel 0: sense?\n\nChannel 1: sense. Yes.\n\nChannel 0: Lovely. I did consider some... I did consider retaining your HESTA fund and investing it in a high growth option.\n\nChannel 1: Mhmm.\n\nChannel 0: Basically, I decided against that because you... Again, you will be exposed to those unlisted style assets, and you you are limited in your investment options. So they're pooled type investments, and you are limited. So that's why I\n\nChannel 1: Yes.\n\nChannel 0: decided against HESTA. And I also considered another platform called MyNorth as an alternative. The\n\nChannel 1: Mhmm.\n\nChannel 0: reason why I didn't proceed with them is that their brokerage fees... So when you... When the fund trades to buy or sell funds depending on your contributions, their fees are higher than the recommended Hub 24.\n\nChannel 1: Okay.\n\nChannel 0: So that's the... All that wording area. If you scroll the wording, it's a concise... A condensed version of what's involved in that wording for\n\nChannel 1: Yeah.\n\nChannel 0: the first strategy. If you scroll to the fee comparison section, this is where I'm gonna talk through a little bit more.\n\nChannel 1: Yes.\n\nChannel 0: Yep. So, overall, you'll see that it's the admin fees that are costing you more, approximately\n\nChannel 1: Approximately\n\nChannel 0: $244\n\nChannel 1: transport.\n\nChannel 0: or more with your adviser service fee and the insurance premiums. So when we look at that from a like from like basis, you are paying more to be in hub, and that includes the insurance premiums as well. So your insurance premiums actually will be cheaper, but you are gonna incur the adviser service fee, which increases the investments also... Or... Sorry.\n\nThe fees also. On a five year rolling average, your current fund returns approximately 6.48%.\n\nChannel 1: Okay.\n\nChannel 0: In in the recommended fund that we are looking at, the five year average is 11.34%.\n\nChannel 1: Okay.\n\nChannel 0: What that means over the long term is as... You know, your lump sum in five years is gonna be 12... Projected out to be approximately\n\nChannel 1: That could be...\n\nChannel 0: $12,000 better off, and in ten years, forty one thousand dollars better off.\n\nChannel 1: Mhmm. Okay. That's that's good.\n\nChannel 0: So, again, they're just projections based on past performance, so they don't tell us and they're not an indication for future performance, but it gives us... It give... It it shows that you you shouldn't be... Well, not you shouldn't, but the balanced growth isn't gonna help you achieve your longer term goals. You do need to have some more exposure to your high growth.\n\nAnd then even when we look down further, the annualized returns with act... With a more diversified and more investment options, your portfolio is estimated to return\n\nChannel 1: Mhmm.\n\nChannel 0: more over the longer\n\nChannel 1: Okay.\n\nChannel 0: term.\n\nChannel 1: Yep.\n\nChannel 0: The investment options are displayed in a table. Can you see that? Have you scrolled to\n\nChannel 1: Yeah.\n\nChannel 0: that section yet?\n\nChannel 1: I can\n\nChannel 0: Yep.\n\nChannel 1: see them. I'll go through them properly as well. Yeah.\n\nChannel 0: Lovely. So the portfolio I'm recommending is that you'll have some cybersecurity exposure, which is what we call a satellite investment. So it sits around the core investment options, which are your iShares S and P 500 and the beta shares Australian 200. And\n\nChannel 1: Yeah.\n\nChannel 0: all all the others are your satellites, so they sit around being your further diversification. So you've got some further diversification in cybersecurity, Europe, Japan, and the... All world excluding US with the iShares\n\nChannel 1: Yes.\n\nChannel 0: S and P being your US, a little bit of physical gold exposure, and the iShares core composite bond is your different... Your major defensive part of your portfolio.\n\nChannel 1: Okay.\n\nChannel 0: The portfolio is designed to give you different economy diversification, so being Europe, Japan, and all world, which gives you the exposure to all the economies through a diversified manner.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: The asset allocation is the next page, and that's where I I referred to earlier with the the difference between the balance growth and the high growth approach. So you'll see\n\nChannel 1: Yes.\n\nChannel 0: existing is you're sitting at about 66 and then 34 for gross first assets. We're recommending a 94 to\n\nChannel 1: One\n\nChannel 0: a 6% allocation just to be in line with that high growth investment portfolio, which\n\nChannel 1: Mhmm.\n\nChannel 0: will allow you the long term growth. And as we've discussed before, you you do... With your superannuation, legally, you're unable to access it until you're 60 years of all age based on today's legislation. So you do have time on your side again to take that higher risk.\n\nChannel 1: Yeah.\n\nChannel 0: Any questions about that?\n\nChannel 1: No. But I would\n\nChannel 0: No.\n\nChannel 1: definitely need a three as well, probably.\n\nChannel 0: We we definitely recommend. So there's... You're not needing to sign this today. We absolutely... I'm\n\nChannel 1: A little\n\nChannel 0: running\n\nChannel 1: late\n\nChannel 0: through\n\nChannel 1: on.\n\nChannel 0: it to give you the\n\nChannel 1: On the same thing.\n\nChannel 0: the... Yeah. And then\n\nChannel 1: Okay.\n\nChannel 0: we definitely recommend you read through that. The next section is the sari sacrifice. So rather... And the only reason that we changed it to a sari sacrifice and\n\nChannel 1: Fine.\n\nChannel 0: after tax contributions is for efficiency on your behalf. You're you're not needing to set this up. Your employer will do it on your behalf. The taxable outcome is still the same as you'll see in that table. It's just that you're gonna do it via by two\n\nChannel 1: Fine.\n\nChannel 0: diff... By a different contribution method.\n\nChannel 1: Okay. Sorry. So what you mean is pretty much going through my employer to do the pretax salary sacrifice? That's the price tax?\n\nChannel 0: Yes.\n\nChannel 1: Okay.\n\nChannel 0: Exactly. Yep. Yep. And it it... The only...\n\nThe outcome and the benefits are the same of doing both. It's just that you won't have to do it yourself efficiency wise. It's there and it's set up.\n\nChannel 1: Okay. So I just get $25 a week with my employer. Okay.\n\nChannel 0: Yeah. Yep. Just... We've just recommended the same amount that you're currently doing\n\nChannel 1: Okay.\n\nChannel 0: so that there's no change to your personal cash flow impacts.\n\nChannel 1: Yep. Okay. The... I like the sign of that. I can do that.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: It's much more easier, and you don't have to worry about it then.\n\nChannel 1: Yep. Okay. Cool.\n\nChannel 0: The next... And and the document there will go through... The the next couple of pages of that will go through the advantages and disadvantages. Again, they're the same as you're currently doing now. It's just a different type of...\n\nIt's just a different way of making that contribution.\n\nChannel 1: Okay.\n\nChannel 0: The next part is where I'm gonna spend probably a fair a a decent amount of our time just to go through the insurances. I know we spoke previously, and we did the pre assessment in relation to the BMI and what insurance terms retail funds would provide. So what we've done is we've tried to be a little bit creative to get you as much cover as possible. So what we have recommended is when you apply when you apply for your cover with hub twenty four, there's a group insurance option that allows you to have $200,000 life insurance and $200,000 TPD insurance, which is the TPD you don't currently hold.\n\nChannel 1: Okay.\n\nChannel 0: And that premium's $8.03 a month. Now with group insurance, there's always the exclusion for preexisting conditions. So an example of that might be... What's something I can think of? If you had type one diabetes, for example,\n\nChannel 1: Mhmm.\n\nChannel 0: that would be excluded from being claimable on the life and TPD insurance under a group,\n\nChannel 1: Yep.\n\nChannel 0: which is the same as your cover within HESTA at the moment anyhow. So what we've recommended is that goes through no underwriting. So you're automatically... When the forms are ready and\n\nChannel 1: Mhmm.\n\nChannel 0: if you decide, you... We will automatically request that cover be put in place, and that will cost $8.03 per month.\n\nChannel 1: Okay.\n\nChannel 0: The next the next part is is that we're going to apply to transfer your existing life cover of a 134,990 over to Hub from HESTA. And,\n\nChannel 1: Mhmm.\n\nChannel 0: also, your income protection policy within HESTA that has been automatically applied, it's only for $1,000 a month. It does have a ninety day waiting period and a five year benefit period, but we believe some cover's better than none.\n\nChannel 1: Mhmm.\n\nChannel 0: And that... And when we transfer that over to hub twenty four, that's expected to cost you about $6.99 per month. So what it means overall is you're gonna have about 300,000... $303,334,990 dollars in life insurance,\n\nChannel 1: Mhmm.\n\nChannel 0: $200,000 in TPD insurance, and income protection with 100... With $1,000 per month and ninety day wait and a five year benefit period. So,\n\nChannel 1: Okay.\n\nChannel 0: again, they're all they're all group covers. So any preexisting conditions that you may have would be excluded from claim. So do you have any preexisting conditions that you could think of?\n\nChannel 1: Alright. Not that I know of. Apart from the one\n\nChannel 0: Nope.\n\nChannel 1: that I disclosed at at the very minute, I'm just going through a weight loss.\n\nChannel 0: Yeah.\n\nChannel 1: Just like that's about it. Yeah.\n\nChannel 0: Yeah. Absolutely fine. So that's what we thought would be the the most cost effective approach. Now we did... In our in our time, we did talk about the levels of cover that you needed or that you wanted for your daughter, and that came out at sitting about a need for life insurance of about $940,000 as well as the same amount for TPD.\n\nNow we can't get you that level of TPD cover at\n\nChannel 1: Okay.\n\nChannel 0: the moment. The max we can do is that that group cover. We can look at applying for that $940,000 of retail cover\n\nChannel 1: Mhmm.\n\nChannel 0: for life insurance, but it will have a loading of between a 150 and a 175%. The retail insurers have declined TPD trauma and income protection in full, so we're unable to get you those covers through retail insurers. So what I've included in this document, once you have a read over it, is that we can apply for the the retail life insurance of $940,000. It does take up approximate... The cost of it would be equivalent to an estimated 10% of your annual super guarantee contribution,\n\nChannel 1: Mhmm.\n\nChannel 0: but it will provide you with that higher level of cover. So I have included it in there should you wish to do that for you to have a read over. But we also did talk about your desire for trauma insurance, which is we did a needs analysis of a $145,000. Unfortunately,\n\nChannel 1: Under.\n\nChannel 0: until your weight... Like we discussed earlier, until your weight loss journey has completed, I can't obtain that cover on your behalf as well as the income protection at need of $4,783 per month. So you are gonna\n\nChannel 1: Okay.\n\nChannel 0: have a shortfall there in your income protection until where your BMI does reduce. Any questions? Because that's a lot of information I just downloaded on you.\n\nChannel 1: Okay. No. That's fine. No worries. Like I said, I'm gonna be...\n\nGo through this document thoroughly, but you've explained it well.\n\nChannel 0: Okay. So, yeah, I just wanted to make sure that, like, with the insurance, there is definitely gonna be a shortfall in your needs. Like, you're not gonna be fully insured at this point in time with what you need.\n\nChannel 1: Yep.\n\nChannel 0: We we are restricted, unfortunately, due to the insurance companies, but what we've tried to do is get as much cover as possible without impacting your superannuation balance as much as possible. So have a read through it, and, yeah, it's it's all in there for you to ex... For you to understand and make a dis... An informed decision on that.\n\nChannel 1: Okay. Okay. All good.\n\nChannel 0: The next part is just establishing a beneficiary nomination. So within Hub, make a non lapsing beneficiary nomination to your daughter. I've included some information in here about minor beneficiary death benefit considerations.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: can\n\nChannel 0: read\n\nChannel 1: see\n\nChannel 0: through those.\n\nChannel 1: the... Yep.\n\nChannel 0: Yep. Just to make sure that you're happy with that, if any further considerations need to be made about estate planning and how that will work with your estate planning.\n\nChannel 1: Yep.\n\nChannel 0: And, additionally, the next the next two are for you to establish a will and power of attorney.\n\nChannel 1: Okay.\n\nChannel 0: Obviously, not having those in place means\n\nChannel 1: Mhmm.\n\nChannel 0: that you're in and out from a will perspective that your wishes may not be\n\nChannel 1: Yeah.\n\nChannel 0: addressed as it would fall under a public trustee likely to make those decisions for you. And with the power of attorney, if anything was to happen to you while you're alive and you're unable to make decisions, there's no one nominated to do that on your behalf.\n\nChannel 1: Okay.\n\nChannel 0: The next section is our ongoing services. So it does explain to you what your fees cover. Again, the recommendation, the implementation of it, your regular reviews, and depending on the frequency of whether you want them to be annually or biannually. And also as your situation changes, it is\n\nChannel 1: Mhmm.\n\nChannel 0: we're here for anything for you to contact us and reach out. So we're we're\n\nChannel 1: Yes.\n\nChannel 0: abreast of what's going on. And if there's any changes that you need made, we can action those for you. So you're not\n\nChannel 1: Okay.\n\nChannel 0: limited... Basically, what I'm saying is is you're not limited to just your reviews.\n\nChannel 1: Okay. That's good. Yeah. That's that's good to know.\n\nChannel 0: Yeah. Yeah. The next couple of pages is just important information. So the next step is you read through this and make an informed decision. If we need to have another meeting after you've had to read through it to go through any questions, absolutely\n\nChannel 1: Okay.\n\nChannel 0: fine.\n\nChannel 1: Yep.\n\nChannel 0: Approved product list is we've got an open APL, which means we can invest and recommend in whatever is approved by our licensee. Product\n\nChannel 1: Yep.\n\nChannel 0: disclosure statements, product disclosure information, which they're all attached to the email that you received as well.\n\nChannel 1: Mhmm.\n\nChannel 0: And then the next section is the fees. So this section is a clear outline of the fees being paid. So to implement this plan, the fee you can... You will incur is $1,825 from us, and we can... We will deduct that from your superannuation fund.\n\nChannel 1: Mhmm.\n\nChannel 0: And then the ongoing fee is set at 1.65% of your super balance. So annually, it is set for the next twelve months to be $979, and each\n\nChannel 1: Okay.\n\nChannel 0: twelve months that is then reviewed and reset. You sign off on a piece of paper confirming that you wanna continue, so it doesn't automatically roll over.\n\nChannel 1: Okay. Alrighty.\n\nChannel 0: Yeah. Following that is a a outline of our... Just a summary again of the costs and,\n\nChannel 1: Mhmm.\n\nChannel 0: additionally, how to implement our advice. So it's a step by step process of all the things that need to be done.\n\nChannel 1: Okay.\n\nChannel 0: The last page requires your signature. So when you've read it, you've asked any questions, you're happy, whatever it is that you decide to do, you\n\nChannel 1: Mhmm.\n\nChannel 0: would sign that page and date it, and you'll note that there's a spare box above. If there\n\nChannel 1: Yes.\n\nChannel 0: was\n\nChannel 1: Sandwich.\n\nChannel 0: an air... If there was something you did not wish to proceed with, that's where you'd type it. So, for example, if you decided you didn't want to nominate your daughter as your beneficiary, you wanted it to pay your estate instead, that's where you'd type\n\nChannel 1: Yep.\n\nChannel 0: it. So any changes to the advice.\n\nChannel 1: Okay.\n\nChannel 0: And the last...\n\nChannel 1: No worries.\n\nChannel 0: Yeah. And the last page is my advice declaration. So just explaining that it's accurate. I am authorized, all those sorts\n\nChannel 1: Of course.\n\nChannel 0: of things.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And the last\n\nChannel 1: Alrighty.\n\nChannel 0: document that I...\n\nChannel 1: Mhmm.\n\nChannel 0: Sorry?\n\nChannel 1: Sorry. No. Oh, good. Sorry. Mhmm.\n\nChannel 0: The last one is just the appendix to the statement of advice. So just to run over this one quickly, table of contents. The first the first page is the risk profile, so it shows the different types of risk profiles that we act by. So you'll see your high growth one is there on the second last left hand side... Right hand side of the column,\n\nChannel 1: Mhmm.\n\nChannel 0: and then important relationships and information. So probably one of the the most important sections of this is the currency of the SOA. So we need you to sign it if you wish to proceed within sixty days\n\nChannel 1: Okay.\n\nChannel 0: as... The reason being is people's situations can change in that time frame. So\n\nChannel 1: Of course. Yeah.\n\nChannel 0: after sixty days, we just need to redo the process again.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: There's\n\nChannel 1: No. Understandable.\n\nChannel 0: there's... Yep. There's no product guarantee, so we obviously can't, you know, say it's gonna be great forever. But that's the purpose of our reviews where we review regularly, make changes where required.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: There's also investment links to the recommended investment options. So if you\n\nChannel 1: Mhmm.\n\nChannel 0: have trouble sleeping, have a rate of those. And then and then we've had... We've completed a like for like for you. So if you stay with HESTA and go for a high growth option\n\nChannel 1: Yep.\n\nChannel 0: versus the recommended hub 24, what I've recommended high growth option, it just gives you the difference there. So, again, it's still gonna cost you more in fees because of our advice fee, but it does tell you the difference. So lump sum difference in five years would be 5,000, and then in in ten years, 21,000 with rough figures.\n\nChannel 1: Alright.\n\nChannel 0: The last two pages, sorry, it it just explains the investment return methodology, how that's calculated, and then life and... How life insurance through superannuation works. So that's information there for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Any questions?\n\nChannel 1: Okay. No. That's about it. Definitely a a lot of information I need to go through and read thoroughly, but thank you so much. I'm looking forward to it.\n\nChannel 0: You are absolutely fine. And then also attached to that link, that email that we sent through was the product disclosure statements for\n\nChannel 1: Mhmm.\n\nChannel 0: hub twenty four and the group insurance as well as, again, our FSG. So have a read of the advice. Again, if you have any questions, please reach out. And did you want me to follow you up at any point in time?\n\nChannel 1: Just give me a week. I I don't wanna prolong\n\nChannel 0: One\n\nChannel 1: the\n\nChannel 0: week?\n\nChannel 1: process. Yeah. Please just give me a week, and then, I'll just let you know what my final decision is because I wanna go through it this weekend and read it properly.\n\nChannel 0: Absolutely.\n\nChannel 1: Absolutely.\n\nChannel 0: And, again, any questions, please reach out.\n\nChannel 1: Alright. Thank you so much, Jenna. I appreciate your time.\n\nChannel 0: Thanks, Kat. I appreciate your time. Enjoy your weekend.\n\nChannel 1: You too. Take care. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hey, Maddie.","start":0.88,"end":1.62,"sentiment":"neutral","sentiment_score":0.05986352451145649}],"sentiment":"neutral","sentiment_score":0.05986352451145649,"channel":0,"num_words":2,"start":0.88,"end":1.62},{"sentences":[{"text":"Hey, Jenna.","start":2.32,"end":3.04,"sentiment":"neutral","sentiment_score":0.08623266965150833},{"text":"I've got Kat on the phone for you.","start":3.04,"end":5.22,"sentiment":"neutral","sentiment_score":0.17641345039010048}],"sentiment":"neutral","sentiment_score":0.15837729424238206,"channel":1,"num_words":10,"start":2.32,"end":5.22},{"sentences":[{"text":"Fantastic.","start":5.8399997,"end":6.3399997,"sentiment":"positive","sentiment_score":0.7318698763847351},{"text":"Thank you so much.","start":6.48,"end":7.54,"sentiment":"positive","sentiment_score":0.7343747317790985}],"sentiment":"positive","sentiment_score":0.7338737607002258,"channel":0,"num_words":5,"start":5.8399997,"end":7.54},{"sentences":[{"text":"No.","start":8.0,"end":8.32,"sentiment":"neutral","sentiment_score":0.20410758256912231},{"text":"Not a problem.","start":8.32,"end":8.88,"sentiment":"neutral","sentiment_score":0.16215567787488303},{"text":"You good for me to transfer her through?","start":8.88,"end":10.66,"sentiment":"neutral","sentiment_score":0.19073492661118507}],"sentiment":"neutral","sentiment_score":0.18470450242360434,"channel":1,"num_words":12,"start":8.0,"end":10.66},{"sentences":[{"text":"Yeah.","start":10.96,"end":11.2,"sentiment":"neutral","sentiment_score":0.002069275826215744},{"text":"Has she been ID'd?","start":11.2,"end":12.42,"sentiment":"neutral","sentiment_score":-0.008128545014187694}],"sentiment":"neutral","sentiment_score":-0.006088980846107006,"channel":0,"num_words":5,"start":10.96,"end":12.42},{"sentences":[{"text":"I've not ID'd her, but I don't...","start":12.96,"end":15.344999,"sentiment":"neutral","sentiment_score":-0.03244431130588055}],"sentiment":"neutral","sentiment_score":-0.03244431130588055,"channel":1,"num_words":7,"start":12.96,"end":15.344999},{"sentences":[{"text":"That's okay.","start":15.04,"end":15.795,"sentiment":"neutral","sentiment_score":0.02631744183599949}],"sentiment":"neutral","sentiment_score":0.02631744183599949,"channel":0,"num_words":2,"start":15.04,"end":15.795},{"sentences":[{"text":"Yep.","start":16.285,"end":16.605,"sentiment":"neutral","sentiment_score":0.03674248978495598}],"sentiment":"neutral","sentiment_score":0.03674248978495598,"channel":1,"num_words":1,"start":16.285,"end":16.605},{"sentences":[{"text":"Yep.","start":16.355,"end":16.855,"sentiment":"neutral","sentiment_score":0.045170858502388}],"sentiment":"neutral","sentiment_score":0.045170858502388,"channel":0,"num_words":1,"start":16.355,"end":16.855},{"sentences":[{"text":"Yeah.","start":16.605,"end":17.005,"sentiment":"neutral","sentiment_score":0.0627991259098053},{"text":"You feel free to do it, but I also don't believe we have to because she's technically not a client of yours yet, but you are about to go through the statement of advice, so it makes sense.","start":17.005,"end":24.465,"sentiment":"neutral","sentiment_score":0.03959037613515791}],"sentiment":"neutral","sentiment_score":0.04018547228322579,"channel":1,"num_words":39,"start":16.605,"end":24.465},{"sentences":[{"text":"Okay.","start":24.755001,"end":25.154999,"sentiment":"neutral","sentiment_score":0.1661418080329895},{"text":"Beautiful.","start":25.154999,"end":25.654999,"sentiment":"positive","sentiment_score":0.45984160900115967}],"sentiment":"neutral","sentiment_score":0.3129917085170746,"channel":0,"num_words":2,"start":24.755001,"end":25.654999},{"sentences":[{"text":"Stunning.","start":26.605,"end":27.085,"sentiment":"positive","sentiment_score":0.5200105905532837},{"text":"You've got her in 321.","start":27.085,"end":28.704998,"sentiment":"neutral","sentiment_score":0.2997836351394653}],"sentiment":"positive","sentiment_score":0.33648812770843506,"channel":1,"num_words":6,"start":26.605,"end":28.704998},{"sentences":[{"text":"Thanks.","start":28.915,"end":29.415,"sentiment":"positive","sentiment_score":0.3365679979324341},{"text":"Hi, Kat.","start":30.369999,"end":30.929998,"sentiment":"neutral","sentiment_score":0.19016452133655548},{"text":"It's Jenna here.","start":30.929998,"end":31.81,"sentiment":"neutral","sentiment_score":0.21547925472259521},{"text":"How are you?","start":31.81,"end":32.629997,"sentiment":"neutral","sentiment_score":0.18611081937948862}],"sentiment":"neutral","sentiment_score":0.2135185847679774,"channel":0,"num_words":9,"start":28.915,"end":32.629997},{"sentences":[{"text":"I'm good.","start":33.06,"end":33.62,"sentiment":"neutral","sentiment_score":0.24642477929592133},{"text":"I'm so sorry I can't wait for your call.","start":33.62,"end":34.98,"sentiment":"neutral","sentiment_score":-0.04868949577212334},{"text":"I've just been inundated at work.","start":34.98,"end":37.08,"sentiment":"neutral","sentiment_score":-0.09785302355885506},{"text":"But,","start":37.78,"end":37.94,"sentiment":"neutral","sentiment_score":-0.016233248636126518}],"sentiment":"neutral","sentiment_score":-0.030483738519251347,"channel":1,"num_words":18,"start":33.06,"end":37.94},{"sentences":[{"text":"That's","start":37.89,"end":38.29,"sentiment":"neutral","sentiment_score":0.02931212447583675}],"sentiment":"neutral","sentiment_score":0.02931212447583675,"channel":0,"num_words":1,"start":37.89,"end":38.29},{"sentences":[{"text":"yeah, I","start":37.94,"end":38.42,"sentiment":"neutral","sentiment_score":0.07036915980279446}],"sentiment":"neutral","sentiment_score":0.07036915980279446,"channel":1,"num_words":2,"start":37.94,"end":38.42},{"sentences":[{"text":"absolutely","start":38.29,"end":38.79,"sentiment":"neutral","sentiment_score":0.09920238703489304}],"sentiment":"neutral","sentiment_score":0.09920238703489304,"channel":0,"num_words":1,"start":38.29,"end":38.79},{"sentences":[{"text":"I have time","start":38.42,"end":39.14,"sentiment":"neutral","sentiment_score":0.10348665217558543}],"sentiment":"neutral","sentiment_score":0.10348665217558543,"channel":1,"num_words":3,"start":38.42,"end":39.14},{"sentences":[{"text":"fine.","start":38.93,"end":39.43,"sentiment":"neutral","sentiment_score":0.14811396598815918}],"sentiment":"neutral","sentiment_score":0.14811396598815918,"channel":0,"num_words":1,"start":38.93,"end":39.43},{"sentences":[{"text":"now.","start":39.14,"end":39.64,"sentiment":"neutral","sentiment_score":0.11276841163635254}],"sentiment":"neutral","sentiment_score":0.11276841163635254,"channel":1,"num_words":1,"start":39.14,"end":39.64},{"sentences":[{"text":"That's absolutely fine.","start":40.29,"end":41.75,"sentiment":"neutral","sentiment_score":0.1895669400691986},{"text":"How are you doing today?","start":41.809998,"end":43.03,"sentiment":"neutral","sentiment_score":0.1658370763063431}],"sentiment":"neutral","sentiment_score":0.1747357752174139,"channel":0,"num_words":8,"start":40.29,"end":43.03},{"sentences":[{"text":"Good.","start":43.885,"end":44.385,"sentiment":"neutral","sentiment_score":0.07523587346076965},{"text":"The interest rate increase is just making life so hard, but I'm I'm getting through with it.","start":44.765,"end":50.305,"sentiment":"neutral","sentiment_score":-0.24175314605236053}],"sentiment":"neutral","sentiment_score":-0.22414264496829775,"channel":1,"num_words":18,"start":43.885,"end":50.305},{"sentences":[{"text":"Yeah.","start":50.875,"end":51.195,"sentiment":"neutral","sentiment_score":-0.1485569179058075},{"text":"It is difficult.","start":51.195,"end":52.095,"sentiment":"neutral","sentiment_score":-0.19371707240740457},{"text":"It is, isn't it?","start":52.155003,"end":53.375,"sentiment":"neutral","sentiment_score":-0.10003976710140705}],"sentiment":"neutral","sentiment_score":-0.14123340044170618,"channel":0,"num_words":8,"start":50.875,"end":53.375},{"sentences":[{"text":"Yeah.","start":53.644997,"end":54.144997,"sentiment":"neutral","sentiment_score":-0.046992722898721695}],"sentiment":"neutral","sentiment_score":-0.046992722898721695,"channel":1,"num_words":1,"start":53.644997,"end":54.144997},{"sentences":[{"text":"Just before I go any further, I do need to let you know that our calls are recorded for coaching and quality purposes.","start":55.760002,"end":60.98,"sentiment":"neutral","sentiment_score":-0.024628334597724934},{"text":"Is that okay?","start":61.12,"end":62.02,"sentiment":"neutral","sentiment_score":0.009693610792358717}],"sentiment":"neutral","sentiment_score":-0.02066811012963836,"channel":0,"num_words":26,"start":55.760002,"end":62.02},{"sentences":[{"text":"Yeah.","start":62.46,"end":62.7,"sentiment":"neutral","sentiment_score":0.017930690199136734},{"text":"That's fine.","start":62.7,"end":63.44,"sentiment":"neutral","sentiment_score":0.03654824569821358}],"sentiment":"neutral","sentiment_score":0.03034239386518796,"channel":1,"num_words":3,"start":62.46,"end":63.44},{"sentences":[{"text":"And I am sorry, but I do need to get you to confirm your full name, date of birth, and address again, please.","start":64.08,"end":69.86,"sentiment":"neutral","sentiment_score":-0.003413659844385541}],"sentiment":"neutral","sentiment_score":-0.003413659844385541,"channel":0,"num_words":23,"start":64.08,"end":69.86},{"sentences":[{"text":"Yeah.","start":70.06,"end":70.3,"sentiment":"neutral","sentiment_score":0.02620140090584755},{"text":"Sure.","start":70.3,"end":70.62,"sentiment":"neutral","sentiment_score":0.03403829038143158},{"text":"No worries.","start":70.62,"end":71.1,"sentiment":"neutral","sentiment_score":0.03871515020728111},{"text":"My name is Katya.","start":71.1,"end":72.16,"sentiment":"neutral","sentiment_score":0.033922077156603336},{"text":"08/04/1994.","start":72.86,"end":74.72,"sentiment":"neutral","sentiment_score":0.02139399945735931}],"sentiment":"neutral","sentiment_score":0.03275025553173489,"channel":1,"num_words":9,"start":70.06,"end":74.72},{"sentences":[{"text":"90 Gowling Avenue In Wallow 3750.","start":75.195,"end":78.495,"sentiment":"neutral","sentiment_score":0.026986096364756424}],"sentiment":"neutral","sentiment_score":0.026986096364756424,"channel":1,"num_words":6,"start":75.195,"end":78.495},{"sentences":[{"text":"Fantastic.","start":79.545,"end":80.045,"sentiment":"positive","sentiment_score":0.3447566032409668},{"text":"Thank you so much for that.","start":80.265,"end":81.96,"sentiment":"positive","sentiment_score":0.39758677283922833},{"text":"And you have some time now to go through the","start":83.159996,"end":85.74,"sentiment":"neutral","sentiment_score":0.13813549801707267}],"sentiment":"neutral","sentiment_score":0.24186071884982727,"channel":0,"num_words":17,"start":79.545,"end":85.74},{"sentences":[{"text":"Yes.","start":86.715004,"end":87.215004,"sentiment":"neutral","sentiment_score":0.08318930864334106},{"text":"Yep.","start":87.275,"end":87.775,"sentiment":"neutral","sentiment_score":0.03669996559619904}],"sentiment":"neutral","sentiment_score":0.05994463711977005,"channel":1,"num_words":2,"start":86.715004,"end":87.775},{"sentences":[{"text":"statement of advice?","start":88.44,"end":89.659996,"sentiment":"neutral","sentiment_score":0.04051079973578453}],"sentiment":"neutral","sentiment_score":0.04051079973578453,"channel":0,"num_words":3,"start":88.44,"end":89.659996},{"sentences":[{"text":"Yes.","start":90.26,"end":90.76,"sentiment":"neutral","sentiment_score":0.04118778556585312},{"text":"I have the phone now.","start":90.82,"end":92.04,"sentiment":"neutral","sentiment_score":0.05973561778664589}],"sentiment":"neutral","sentiment_score":0.05664431241651376,"channel":1,"num_words":6,"start":90.26,"end":92.04},{"sentences":[{"text":"Fantastic.","start":92.68,"end":93.18,"sentiment":"neutral","sentiment_score":0.2819218337535858},{"text":"I'm going to send you an email.","start":93.88,"end":96.06,"sentiment":"neutral","sentiment_score":0.11919037784848895},{"text":"It's gonna come through from Odoo Sign, and it will say Jenna.","start":97.08501,"end":102.705,"sentiment":"neutral","sentiment_score":0.1066431471457084},{"text":"When you open that email, if you just...","start":103.245,"end":106.94501,"sentiment":"neutral","sentiment_score":0.040158325573429465},{"text":"It's...","start":109.81,"end":110.21,"sentiment":"neutral","sentiment_score":-0.004946619737893343}],"sentiment":"neutral","sentiment_score":0.09352731825141557,"channel":0,"num_words":29,"start":92.68,"end":110.21},{"sentences":[{"text":"It will say click here to sign or sign here to click.","start":110.21,"end":113.59,"sentiment":"neutral","sentiment_score":-0.011917176035543283},{"text":"I mean, you know what I mean.","start":114.13,"end":116.39,"sentiment":"neutral","sentiment_score":-0.03878512127058847},{"text":"It's Friday.","start":116.45,"end":117.19,"sentiment":"neutral","sentiment_score":-0.05663679353892803},{"text":"And you're not signing anything at the moment.","start":117.25,"end":119.49,"sentiment":"neutral","sentiment_score":-0.10023659560829401},{"text":"It's just gonna navigate you to the advice document that we're gonna talk through.","start":119.49,"end":123.43,"sentiment":"neutral","sentiment_score":-0.007800152525305748}],"sentiment":"neutral","sentiment_score":-0.033462103456258774,"channel":0,"num_words":43,"start":110.21,"end":123.43},{"sentences":[{"text":"Okay.","start":124.06,"end":124.53999,"sentiment":"neutral","sentiment_score":0.2075355052947998},{"text":"No worries.","start":124.53999,"end":125.2,"sentiment":"neutral","sentiment_score":0.27247360348701477}],"sentiment":"neutral","sentiment_score":0.25082757075627643,"channel":1,"num_words":3,"start":124.06,"end":125.2},{"sentences":[{"text":"So if you let me know when you have that open, I will be able to begin.","start":126.095,"end":133.715,"sentiment":"neutral","sentiment_score":0.27206971803132224}],"sentiment":"neutral","sentiment_score":0.27206971803132224,"channel":0,"num_words":17,"start":126.095,"end":133.715},{"sentences":[{"text":"Okay.","start":134.455,"end":134.93501,"sentiment":"positive","sentiment_score":0.3781700134277344},{"text":"Cool.","start":134.93501,"end":135.43501,"sentiment":"positive","sentiment_score":0.5026891827583313},{"text":"Have","start":139.335,"end":139.57501,"sentiment":"neutral","sentiment_score":0.17700590193271637}],"sentiment":"positive","sentiment_score":0.35262169937292737,"channel":1,"num_words":3,"start":134.455,"end":139.57501},{"sentences":[{"text":"It","start":139.535,"end":139.77501,"sentiment":"neutral","sentiment_score":0.1972540318965912}],"sentiment":"neutral","sentiment_score":0.1972540318965912,"channel":0,"num_words":1,"start":139.535,"end":139.77501},{"sentences":[{"text":"you sent","start":139.57501,"end":139.895,"sentiment":"neutral","sentiment_score":0.15467847883701324}],"sentiment":"neutral","sentiment_score":0.15467847883701324,"channel":1,"num_words":2,"start":139.57501,"end":139.895},{"sentences":[{"text":"might","start":139.77501,"end":139.935,"sentiment":"neutral","sentiment_score":0.2327617108821869}],"sentiment":"neutral","sentiment_score":0.2327617108821869,"channel":0,"num_words":1,"start":139.77501,"end":139.935},{"sentences":[{"text":"it?","start":139.895,"end":140.395,"sentiment":"neutral","sentiment_score":0.13623857498168945}],"sentiment":"neutral","sentiment_score":0.13623857498168945,"channel":1,"num_words":1,"start":139.895,"end":140.395},{"sentences":[{"text":"take a I have sent it.","start":139.935,"end":141.68,"sentiment":"neutral","sentiment_score":0.09250566114981969},{"text":"It might take it a little bit to come through.","start":141.68,"end":143.51999,"sentiment":"neutral","sentiment_score":0.013186007738113403},{"text":"Just...","start":143.51999,"end":144.01999,"sentiment":"neutral","sentiment_score":-0.002808159217238426},{"text":"It is a rather large document, so, hopefully, it will","start":144.15999,"end":150.0,"sentiment":"neutral","sentiment_score":-0.005254366248846054}],"sentiment":"neutral","sentiment_score":0.023390452687939007,"channel":0,"num_words":27,"start":139.935,"end":150.0},{"sentences":[{"text":"Yep.","start":149.91,"end":150.41,"sentiment":"neutral","sentiment_score":0.1758417785167694}],"sentiment":"neutral","sentiment_score":0.1758417785167694,"channel":1,"num_words":1,"start":149.91,"end":150.41},{"sentences":[{"text":"be with you momentarily.","start":150.0,"end":151.29999,"sentiment":"neutral","sentiment_score":0.17151211202144623}],"sentiment":"neutral","sentiment_score":0.17151211202144623,"channel":0,"num_words":4,"start":150.0,"end":151.29999},{"sentences":[{"text":"Yeah.","start":153.11,"end":153.51001,"sentiment":"neutral","sentiment_score":0.10720065236091614},{"text":"Oh, yep.","start":153.51001,"end":153.91,"sentiment":"neutral","sentiment_score":0.12357647716999054},{"text":"I can see the sign.","start":153.91,"end":155.03,"sentiment":"neutral","sentiment_score":0.09526401162147521},{"text":"Click to start.","start":155.03,"end":155.83,"sentiment":"neutral","sentiment_score":0.04088829333583514},{"text":"Okay.","start":155.83,"end":156.15001,"sentiment":"neutral","sentiment_score":0.1937052011489868}],"sentiment":"neutral","sentiment_score":0.09558697883039713,"channel":1,"num_words":12,"start":153.11,"end":156.15001},{"sentences":[{"text":"Cool.","start":156.15001,"end":156.65001,"sentiment":"positive","sentiment_score":0.4149139821529389}],"sentiment":"positive","sentiment_score":0.4149139821529389,"channel":1,"num_words":1,"start":156.15001,"end":156.65001},{"sentences":[{"text":"Yep.","start":157.455,"end":157.955,"sentiment":"neutral","sentiment_score":0.29820716381073},{"text":"So the first document you should have is a statement of advice.","start":158.815,"end":162.67499,"sentiment":"neutral","sentiment_score":0.14110809937119484}],"sentiment":"neutral","sentiment_score":0.1531926427896206,"channel":0,"num_words":13,"start":157.455,"end":162.67499},{"sentences":[{"text":"Mhmm.","start":163.765,"end":164.265,"sentiment":"neutral","sentiment_score":0.03517746180295944}],"sentiment":"neutral","sentiment_score":0.03517746180295944,"channel":1,"num_words":1,"start":163.765,"end":164.265},{"sentences":[{"text":"So we're just gonna talk through that.","start":165.375,"end":167.055,"sentiment":"neutral","sentiment_score":0.07026335171290807},{"text":"So this is where all the advice is contained.","start":167.055,"end":169.90999,"sentiment":"neutral","sentiment_score":0.10077041387557983},{"text":"So the the cover page itself is...","start":170.76999,"end":174.06999,"sentiment":"neutral","sentiment_score":0.04712323711386749},{"text":"Explains that the advice is prepared for you.","start":174.20999,"end":177.18999,"sentiment":"neutral","sentiment_score":0.1343925017863512},{"text":"It's prepared by me, and I'm authorized by Oakview Financial to provide this advice.","start":177.48999,"end":182.62999,"sentiment":"neutral","sentiment_score":0.16219776336635863}],"sentiment":"neutral","sentiment_score":0.11276774551305506,"channel":0,"num_words":45,"start":165.375,"end":182.62999},{"sentences":[{"text":"Mhmm.","start":183.59,"end":184.09,"sentiment":"neutral","sentiment_score":0.03962671756744385}],"sentiment":"neutral","sentiment_score":0.03962671756744385,"channel":1,"num_words":1,"start":183.59,"end":184.09},{"sentences":[{"text":"Then the next page covers off our best interest duty.","start":183.99501,"end":187.435,"sentiment":"neutral","sentiment_score":0.0022908605635166166},{"text":"So what this states is that we need to identify a client's financial situation, your needs, assess whether any advice provided is in your best interest, conduct diligent investigation to make sure any advice is relevant to your circumstances.","start":187.435,"end":203.83,"sentiment":"neutral","sentiment_score":0.016709924985965092}],"sentiment":"neutral","sentiment_score":0.013767258777302139,"channel":0,"num_words":49,"start":183.99501,"end":203.83},{"sentences":[{"text":"Mhmm.","start":205.845,"end":206.28,"sentiment":"neutral","sentiment_score":0.037033431231975555}],"sentiment":"neutral","sentiment_score":0.037033431231975555,"channel":1,"num_words":1,"start":205.845,"end":206.28},{"sentences":[{"text":"Following that is a table of contents, and then the next page is the scope of advice.","start":207.57,"end":213.115,"sentiment":"neutral","sentiment_score":0.0742616215172936},{"text":"So that's where we talked about your goals, and this is gonna outline what is covered in this advice document.","start":213.115,"end":220.49501,"sentiment":"neutral","sentiment_score":0.18616746366024017},{"text":"So","start":221.435,"end":221.935,"sentiment":"neutral","sentiment_score":0.13232365250587463}],"sentiment":"neutral","sentiment_score":0.13468738135538602,"channel":0,"num_words":38,"start":207.57,"end":221.935},{"sentences":[{"text":"Mhmm.","start":221.56,"end":222.06,"sentiment":"neutral","sentiment_score":0.11294890940189362}],"sentiment":"neutral","sentiment_score":0.11294890940189362,"channel":1,"num_words":1,"start":221.56,"end":222.06},{"sentences":[{"text":"we will be reviewing your superannuation, and your goal is to be debt free and have sufficient income to support your lifestyle of 3,500 per week throughout retirement.","start":222.395,"end":233.51,"sentiment":"neutral","sentiment_score":0.2624633881662573},{"text":"So we're gonna look at reviewing","start":233.65,"end":235.17,"sentiment":"neutral","sentiment_score":0.14225239555040994}],"sentiment":"neutral","sentiment_score":0.24124968358699014,"channel":0,"num_words":34,"start":222.395,"end":235.17},{"sentences":[{"text":"Mhmm.","start":234.72,"end":235.22,"sentiment":"neutral","sentiment_score":0.07789129763841629}],"sentiment":"neutral","sentiment_score":0.07789129763841629,"channel":1,"num_words":1,"start":234.72,"end":235.22},{"sentences":[{"text":"your super to help you work towards that goal.","start":235.17,"end":239.90999,"sentiment":"neutral","sentiment_score":0.28275231685903335},{"text":"We've looked at the $25 a week you do after you get your pay into super and recommended to set this up as salary sacrifice arrangement instead so that what we'll be talking through.","start":241.465,"end":255.965,"sentiment":"neutral","sentiment_score":0.1080521524829023}],"sentiment":"neutral","sentiment_score":0.14461730316627858,"channel":0,"num_words":43,"start":235.17,"end":255.965},{"sentences":[{"text":"Mhmm.","start":256.73502,"end":257.23502,"sentiment":"neutral","sentiment_score":0.09374433755874634}],"sentiment":"neutral","sentiment_score":0.09374433755874634,"channel":1,"num_words":1,"start":256.73502,"end":257.23502},{"sentences":[{"text":"We're also gonna look at your insurances.","start":257.92,"end":259.86002,"sentiment":"neutral","sentiment_score":0.12817361312253134},{"text":"We've made some recommendations surrounding that, and that your beneficiary nominations within your super and any insurance is in place for your daughter as well as establishing a will and power of attorney.","start":260.24002,"end":276.71503,"sentiment":"neutral","sentiment_score":0.199351198293946}],"sentiment":"neutral","sentiment_score":0.18689512088894844,"channel":0,"num_words":40,"start":257.92,"end":276.71503},{"sentences":[{"text":"Mhmm.","start":277.895,"end":278.395,"sentiment":"neutral","sentiment_score":-0.0515957735478878}],"sentiment":"neutral","sentiment_score":-0.0515957735478878,"channel":1,"num_words":1,"start":277.895,"end":278.395},{"sentences":[{"text":"The goals that aren't included in this advice is your budget and savings goal where you're you're saving a $100 per fortnight, at your debt goals of consolidating debt if you could.","start":279.17502,"end":294.12997,"sentiment":"neutral","sentiment_score":-0.10756748414132744},{"text":"So that would be covered externally outside of our advice if you decided to go along with that...","start":295.22998,"end":301.16998,"sentiment":"neutral","sentiment_score":-0.09802795760333538},{"text":"With the broker details that we shared with you","start":301.38998,"end":303.88998,"sentiment":"neutral","sentiment_score":0.000645879242155287}],"sentiment":"neutral","sentiment_score":-0.0881499968847986,"channel":0,"num_words":59,"start":279.17502,"end":303.88998},{"sentences":[{"text":"Mhmm.","start":304.61,"end":305.11,"sentiment":"neutral","sentiment_score":0.01177629828453064}],"sentiment":"neutral","sentiment_score":0.01177629828453064,"channel":1,"num_words":1,"start":304.61,"end":305.11},{"sentences":[{"text":"and along with investment.","start":304.965,"end":306.745,"sentiment":"neutral","sentiment_score":0.003170495154336095},{"text":"So you did mention you wanted to consider an investment account for your daughter down the track, but not at","start":306.965,"end":312.725,"sentiment":"neutral","sentiment_score":-0.01564254444092512}],"sentiment":"neutral","sentiment_score":-0.012507037841714919,"channel":0,"num_words":24,"start":304.965,"end":312.725},{"sentences":[{"text":"Mhmm.","start":312.535,"end":313.035,"sentiment":"neutral","sentiment_score":-0.0587100014090538}],"sentiment":"neutral","sentiment_score":-0.0587100014090538,"channel":1,"num_words":1,"start":312.535,"end":313.035},{"sentences":[{"text":"this point.","start":312.725,"end":313.465,"sentiment":"neutral","sentiment_score":-0.06562989577651024},{"text":"And also, again, property.","start":313.845,"end":315.365,"sentiment":"neutral","sentiment_score":-0.05247849132865667},{"text":"So that's not addressed in...","start":315.365,"end":317.065,"sentiment":"neutral","sentiment_score":-0.06713675111532211},{"text":"The purchase of property isn't addressed in this advice document either.","start":317.125,"end":320.84,"sentiment":"neutral","sentiment_score":-0.19190321591767398},{"text":"Does that make sense?","start":320.84,"end":321.98,"sentiment":"neutral","sentiment_score":-0.09434080123901367}],"sentiment":"neutral","sentiment_score":-0.1217367727882587,"channel":0,"num_words":26,"start":312.725,"end":321.98},{"sentences":[{"text":"Mhmm.","start":322.80002,"end":323.30002,"sentiment":"neutral","sentiment_score":-0.039427533745765686}],"sentiment":"neutral","sentiment_score":-0.039427533745765686,"channel":1,"num_words":1,"start":322.80002,"end":323.30002},{"sentences":[{"text":"Yeah.","start":323.88,"end":324.38,"sentiment":"neutral","sentiment_score":-0.04813210666179657},{"text":"The next page is our limited of advice.","start":325.0,"end":327.26,"sentiment":"neutral","sentiment_score":-0.08286991808563471},{"text":"So it...","start":327.32,"end":328.22,"sentiment":"neutral","sentiment_score":-0.045083437114953995},{"text":"The advice is based on the information you've provided to us.","start":328.28,"end":332.28,"sentiment":"neutral","sentiment_score":-0.12164120714772832},{"text":"So if anything isn't provided, the advice could not be accurate.","start":332.28,"end":338.07498,"sentiment":"neutral","sentiment_score":-0.312962607903914}],"sentiment":"neutral","sentiment_score":-0.169148493671056,"channel":0,"num_words":33,"start":323.88,"end":338.07498},{"sentences":[{"text":"It also lets you know that I'm not a lawyer, so I can't help you draft wills or powers of attorney.","start":338.615,"end":344.315,"sentiment":"neutral","sentiment_score":-0.1211985523502032}],"sentiment":"neutral","sentiment_score":-0.1211985523502032,"channel":0,"num_words":21,"start":338.615,"end":344.315},{"sentences":[{"text":"Of course.","start":344.695,"end":345.415,"sentiment":"neutral","sentiment_score":-0.034445108845829964}],"sentiment":"neutral","sentiment_score":-0.034445108845829964,"channel":1,"num_words":2,"start":344.695,"end":345.415},{"sentences":[{"text":"And...","start":345.175,"end":345.675,"sentiment":"neutral","sentiment_score":-0.023250887170434}],"sentiment":"neutral","sentiment_score":-0.023250887170434,"channel":0,"num_words":1,"start":345.175,"end":345.675},{"sentences":[{"text":"Yep.","start":345.415,"end":345.915,"sentiment":"neutral","sentiment_score":-0.018914122134447094}],"sentiment":"neutral","sentiment_score":-0.018914122134447094,"channel":1,"num_words":1,"start":345.415,"end":345.915},{"sentences":[{"text":"Yep.","start":346.215,"end":346.715,"sentiment":"neutral","sentiment_score":-0.017532970756292343},{"text":"And that I'm also...","start":346.81998,"end":349.08,"sentiment":"neutral","sentiment_score":-0.02357195969671011},{"text":"Cannot provide advice in regards to general insurance","start":349.69998,"end":352.28,"sentiment":"neutral","sentiment_score":-0.16137790400534868}],"sentiment":"neutral","sentiment_score":-0.10791108012199402,"channel":0,"num_words":13,"start":346.215,"end":352.28},{"sentences":[{"text":"Yeah.","start":352.38,"end":352.88,"sentiment":"neutral","sentiment_score":-0.053401097655296326}],"sentiment":"neutral","sentiment_score":-0.053401097655296326,"channel":1,"num_words":1,"start":352.38,"end":352.88},{"sentences":[{"text":"products.","start":352.5,"end":353.0,"sentiment":"neutral","sentiment_score":-0.04536189138889313},{"text":"I am able to provide tax advice relevant to financial advice only, but not tax returns or any of those types of matters.","start":353.78,"end":361.8,"sentiment":"neutral","sentiment_score":-0.08887735729956109}],"sentiment":"neutral","sentiment_score":-0.08706421288661659,"channel":0,"num_words":24,"start":352.5,"end":361.8},{"sentences":[{"text":"Mhmm.","start":362.62,"end":363.12,"sentiment":"neutral","sentiment_score":0.0037031518295407295}],"sentiment":"neutral","sentiment_score":0.0037031518295407295,"channel":1,"num_words":1,"start":362.62,"end":363.12},{"sentences":[{"text":"The next couple of pages are the about you section.","start":364.355,"end":367.075,"sentiment":"neutral","sentiment_score":0.018278704769909383},{"text":"So this is where we completed in our initial meetings your information.","start":367.075,"end":372.615,"sentiment":"neutral","sentiment_score":0.046947599388659},{"text":"So dates of birth, income, occupation, savings, your assets and liabilities, as well as your current super with Hester and the life insurance and income protection you hold in Hester.","start":372.915,"end":387.88,"sentiment":"neutral","sentiment_score":0.026819201155255237}],"sentiment":"neutral","sentiment_score":0.02982181298116652,"channel":0,"num_words":52,"start":364.355,"end":387.88},{"sentences":[{"text":"Mhmm.","start":388.66,"end":389.16,"sentiment":"neutral","sentiment_score":0.0017764349468052387}],"sentiment":"neutral","sentiment_score":0.0017764349468052387,"channel":1,"num_words":1,"start":388.66,"end":389.16},{"sentences":[{"text":"Has any of that changed, do you think?","start":389.885,"end":391.98502,"sentiment":"neutral","sentiment_score":-0.04479207331314683}],"sentiment":"neutral","sentiment_score":-0.04479207331314683,"channel":0,"num_words":8,"start":389.885,"end":391.98502},{"sentences":[{"text":"Let me just quickly...","start":394.305,"end":395.685,"sentiment":"neutral","sentiment_score":-0.024170563090592623},{"text":"No.","start":399.10498,"end":399.26498,"sentiment":"neutral","sentiment_score":-0.14357975125312805},{"text":"It's still the same.","start":399.26498,"end":400.32498,"sentiment":"neutral","sentiment_score":-0.10329356417059898}],"sentiment":"neutral","sentiment_score":-0.07260402892198828,"channel":1,"num_words":9,"start":394.305,"end":400.32498},{"sentences":[{"text":"Lovely.","start":401.245,"end":401.745,"sentiment":"neutral","sentiment_score":0.3047783672809601}],"sentiment":"neutral","sentiment_score":0.3047783672809601,"channel":0,"num_words":1,"start":401.245,"end":401.745},{"sentences":[{"text":"Let's see.","start":401.745,"end":402.56497,"sentiment":"neutral","sentiment_score":0.12183304131031036}],"sentiment":"neutral","sentiment_score":0.12183304131031036,"channel":1,"num_words":2,"start":401.745,"end":402.56497},{"sentences":[{"text":"In our meetings, we completed a risk profile.","start":403.28998,"end":408.56998,"sentiment":"neutral","sentiment_score":0.03312384756281972},{"text":"So that was to ascertain your comfort levels to risk, and it came out as...","start":408.56998,"end":414.11,"sentiment":"neutral","sentiment_score":0.0005347988257805507},{"text":"You came out as a high growth in Vista, which means that 90% of your assets are allocated to growth with 10%","start":414.16998,"end":422.435,"sentiment":"neutral","sentiment_score":0.08737096393650229}],"sentiment":"neutral","sentiment_score":0.048781643766495915,"channel":0,"num_words":45,"start":403.28998,"end":422.435},{"sentences":[{"text":"Mhmm.","start":422.375,"end":422.875,"sentiment":"neutral","sentiment_score":0.01604619435966015}],"sentiment":"neutral","sentiment_score":0.01604619435966015,"channel":1,"num_words":1,"start":422.375,"end":422.875},{"sentences":[{"text":"approximately to defensive.","start":422.735,"end":424.355,"sentiment":"neutral","sentiment_score":0.0069796790679295855},{"text":"So are you still comfortable with that based on our previous conversation?","start":424.495,"end":427.875,"sentiment":"neutral","sentiment_score":0.03834102520098289}],"sentiment":"neutral","sentiment_score":0.032068755974372226,"channel":0,"num_words":15,"start":422.735,"end":427.875},{"sentences":[{"text":"Yes.","start":428.69498,"end":429.175,"sentiment":"neutral","sentiment_score":0.14894381165504456},{"text":"I am.","start":429.175,"end":429.495,"sentiment":"neutral","sentiment_score":0.17662254720926285},{"text":"I am.","start":429.495,"end":430.155,"sentiment":"neutral","sentiment_score":0.26857195794582367}],"sentiment":"neutral","sentiment_score":0.20786656439304352,"channel":1,"num_words":5,"start":428.69498,"end":430.155},{"sentences":[{"text":"Fantastic.","start":430.975,"end":431.475,"sentiment":"positive","sentiment_score":0.6106107234954834},{"text":"The next couple of pages is where the real detail is in regards to the advice.","start":432.84,"end":438.94,"sentiment":"neutral","sentiment_score":0.2503455597907305},{"text":"So","start":439.64,"end":440.14,"sentiment":"neutral","sentiment_score":0.039868175983428955}],"sentiment":"neutral","sentiment_score":0.25866710311836666,"channel":0,"num_words":18,"start":430.975,"end":440.14},{"sentences":[{"text":"Mhmm.","start":439.87,"end":440.37,"sentiment":"neutral","sentiment_score":-0.0046828496269881725}],"sentiment":"neutral","sentiment_score":-0.0046828496269881725,"channel":1,"num_words":1,"start":439.87,"end":440.37},{"sentences":[{"text":"the first part is that we're recommending you roll over your HESTA superannuation fund into a new hub 24 platform superannuation fund.","start":441.16,"end":450.425,"sentiment":"neutral","sentiment_score":0.11495508135042408}],"sentiment":"neutral","sentiment_score":0.11495508135042408,"channel":0,"num_words":22,"start":441.16,"end":450.425},{"sentences":[{"text":"Mhmm.","start":451.205,"end":451.705,"sentiment":"neutral","sentiment_score":0.0479469895362854}],"sentiment":"neutral","sentiment_score":0.0479469895362854,"channel":1,"num_words":1,"start":451.205,"end":451.705},{"sentences":[{"text":"This this will be done over probably two phases, and I'll I'll dig a little bit deeper as to why.","start":451.605,"end":460.425,"sentiment":"neutral","sentiment_score":0.04715765062719583},{"text":"We've recommended establishing hub and investing in our high growth","start":462.31998,"end":470.58,"sentiment":"neutral","sentiment_score":0.28285245001316073}],"sentiment":"neutral","sentiment_score":0.1257225837558508,"channel":0,"num_words":30,"start":451.605,"end":470.58},{"sentences":[{"text":"Hi, Gretchen.","start":470.35,"end":471.09,"sentiment":"neutral","sentiment_score":0.19166451692581177}],"sentiment":"neutral","sentiment_score":0.19166451692581177,"channel":1,"num_words":2,"start":470.35,"end":471.09},{"sentences":[{"text":"zero point five portfolio, which I'll discuss the investments in a little bit.","start":470.8,"end":475.06,"sentiment":"neutral","sentiment_score":0.11013440042734146},{"text":"The","start":475.66498,"end":475.82498,"sentiment":"neutral","sentiment_score":-0.031417571008205414}],"sentiment":"neutral","sentiment_score":0.1000235453248024,"channel":0,"num_words":14,"start":470.8,"end":475.82498},{"sentences":[{"text":"Mhmm.","start":475.705,"end":476.205,"sentiment":"neutral","sentiment_score":-0.0491691380739212}],"sentiment":"neutral","sentiment_score":-0.0491691380739212,"channel":1,"num_words":1,"start":475.705,"end":476.205},{"sentences":[{"text":"reason being is that Hester holds exposure to unlisted assets such as property and infrastructure.","start":475.82498,"end":481.845,"sentiment":"neutral","sentiment_score":-0.12666516254345575},{"text":"Unlisted assets are typically valued infrequently rather than daily, which does restrict the pricing transparency.","start":483.50497,"end":490.91,"sentiment":"neutral","sentiment_score":-0.2857197771469752},{"text":"So, for example, if they hold an investment in a property unlisted fund, that may be valued","start":491.37,"end":498.11,"sentiment":"neutral","sentiment_score":-0.07344481940655147}],"sentiment":"neutral","sentiment_score":-0.15817736223974127,"channel":0,"num_words":47,"start":475.82498,"end":498.11},{"sentences":[{"text":"Yeah.","start":497.71,"end":498.21,"sentiment":"neutral","sentiment_score":-0.04104728251695633}],"sentiment":"neutral","sentiment_score":-0.04104728251695633,"channel":1,"num_words":1,"start":497.71,"end":498.21},{"sentences":[{"text":"monthly or quarterly.","start":498.17,"end":499.31,"sentiment":"neutral","sentiment_score":-0.0015772345165411632},{"text":"So, having a fully liquid and daily unitized or priced fund does provide a lot more transparency.","start":499.37,"end":510.065,"sentiment":"neutral","sentiment_score":0.26041148997404995},{"text":"The downsides are that the hub twenty four will cost you proper...","start":513.165,"end":518.74005,"sentiment":"negative","sentiment_score":-0.43766458829243976},{"text":"Approximately an extra 50","start":518.96,"end":520.48004,"sentiment":"neutral","sentiment_score":-0.32036206871271133}],"sentiment":"neutral","sentiment_score":-0.05864332523196936,"channel":0,"num_words":36,"start":498.17,"end":520.48004},{"sentences":[{"text":"I'm","start":520.42,"end":520.57996,"sentiment":"neutral","sentiment_score":-0.31721407175064087}],"sentiment":"neutral","sentiment_score":-0.31721407175064087,"channel":1,"num_words":1,"start":520.42,"end":520.57996},{"sentences":[{"text":"$8","start":520.48004,"end":521.12006,"sentiment":"neutral","sentiment_score":-0.300645112991333}],"sentiment":"neutral","sentiment_score":-0.300645112991333,"channel":0,"num_words":1,"start":520.48004,"end":521.12006},{"sentences":[{"text":"on the first","start":520.57996,"end":521.22,"sentiment":"negative","sentiment_score":-0.34446386496225995}],"sentiment":"negative","sentiment_score":-0.34446386496225995,"channel":1,"num_words":3,"start":520.57996,"end":521.22},{"sentences":[{"text":"per...","start":521.12006,"end":521.62006,"sentiment":"neutral","sentiment_score":-0.27314430475234985}],"sentiment":"neutral","sentiment_score":-0.27314430475234985,"channel":0,"num_words":1,"start":521.12006,"end":521.62006},{"sentences":[{"text":"month.","start":521.22,"end":521.72,"sentiment":"neutral","sentiment_score":-0.2519889771938324},{"text":"Yes.","start":523.13995,"end":523.45996,"sentiment":"neutral","sentiment_score":-0.03462781757116318},{"text":"Sorry.","start":523.45996,"end":523.77997,"sentiment":"neutral","sentiment_score":-0.06434077024459839},{"text":"Yep.","start":523.77997,"end":524.27997,"sentiment":"neutral","sentiment_score":0.0746934711933136}],"sentiment":"neutral","sentiment_score":-0.06906602345407009,"channel":1,"num_words":4,"start":521.22,"end":524.27997},{"sentences":[{"text":"You're absolutely fine.","start":524.72003,"end":525.94,"sentiment":"neutral","sentiment_score":0.29707970718542737},{"text":"It's gonna cost approximately $58 per annum more in","start":526.4,"end":530.125,"sentiment":"neutral","sentiment_score":0.034332286566495895}],"sentiment":"neutral","sentiment_score":0.10001914172122876,"channel":0,"num_words":12,"start":524.72003,"end":530.125},{"sentences":[{"text":"Okay.","start":530.1,"end":530.6,"sentiment":"neutral","sentiment_score":0.03661809861660004}],"sentiment":"neutral","sentiment_score":0.03661809861660004,"channel":1,"num_words":1,"start":530.1,"end":530.6},{"sentences":[{"text":"administration fees, but you will have enhanced diversification and a lot more investment flexibility within that fund.","start":530.125,"end":540.945,"sentiment":"positive","sentiment_score":0.3701882011750165}],"sentiment":"positive","sentiment_score":0.3701882011750165,"channel":0,"num_words":17,"start":530.125,"end":540.945},{"sentences":[{"text":"Okay.","start":541.745,"end":542.245,"sentiment":"neutral","sentiment_score":0.013390067964792252}],"sentiment":"neutral","sentiment_score":0.013390067964792252,"channel":1,"num_words":1,"start":541.745,"end":542.245},{"sentences":[{"text":"When you roll over or sell out of a superannuation fund, there's always capital gains tax that's incurred within the fund depending on gross or losses.","start":544.09,"end":553.79004,"sentiment":"neutral","sentiment_score":-0.18974859840594804},{"text":"When we roll out of our industry funds such as HESTA, we're not able to find out what that capital gains tax could be, whether it's positive or negative just because of the way funds are invested in industry funds.","start":554.48505,"end":570.79,"sentiment":"neutral","sentiment_score":-0.2113462643697858},{"text":"So your money is invested in what's called a pooled tax structure.","start":570.79,"end":575.05,"sentiment":"neutral","sentiment_score":-0.10560760833323002},{"text":"So rather than owning individual investments, you'll...","start":575.83,"end":580.57495,"sentiment":"neutral","sentiment_score":-0.07357629069260188},{"text":"You own a share of those investments.","start":580.57495,"end":583.235,"sentiment":"neutral","sentiment_score":-0.04488487648112433}],"sentiment":"neutral","sentiment_score":-0.16830253916914048,"channel":0,"num_words":92,"start":544.09,"end":583.235},{"sentences":[{"text":"So what happens when you roll out is the","start":583.295,"end":585.95496,"sentiment":"neutral","sentiment_score":-0.009973629067341486}],"sentiment":"neutral","sentiment_score":-0.009973629067341486,"channel":0,"num_words":9,"start":583.295,"end":585.95496},{"sentences":[{"text":"Mhmm.","start":585.54,"end":586.04,"sentiment":"neutral","sentiment_score":-0.045485466718673706}],"sentiment":"neutral","sentiment_score":-0.045485466718673706,"channel":1,"num_words":1,"start":585.54,"end":586.04},{"sentences":[{"text":"super...","start":587.055,"end":587.535,"sentiment":"neutral","sentiment_score":-0.034071773290634155},{"text":"The industry superannuation fund will apply whatever capital gains is applicable, but we're not able to detail what that actually is.","start":587.535,"end":595.9,"sentiment":"neutral","sentiment_score":-0.19002292872894377},{"text":"So","start":596.52,"end":596.76,"sentiment":"neutral","sentiment_score":-0.1374177634716034}],"sentiment":"neutral","sentiment_score":-0.1809552626117416,"channel":0,"num_words":23,"start":587.055,"end":596.76},{"sentences":[{"text":"Yeah.","start":596.71497,"end":597.21497,"sentiment":"neutral","sentiment_score":-0.09320366382598876}],"sentiment":"neutral","sentiment_score":-0.09320366382598876,"channel":1,"num_words":1,"start":596.71497,"end":597.21497},{"sentences":[{"text":"that's just something to be aware of.","start":596.76,"end":598.94,"sentiment":"neutral","sentiment_score":-0.17165700878415788},{"text":"How we will do...","start":601.64,"end":604.94,"sentiment":"neutral","sentiment_score":0.01528769638389349},{"text":"How we recommend it occur is that we will roll over partially most of your HESTA superannuation with 10,000 being retained in HESTA until we're able to transfer over your existing insurance policies within HESTA.","start":605.08,"end":622.495,"sentiment":"neutral","sentiment_score":0.07553699176226343},{"text":"Once","start":623.11,"end":623.35004,"sentiment":"neutral","sentiment_score":0.06414433568716049}],"sentiment":"neutral","sentiment_score":0.033350867476869134,"channel":0,"num_words":47,"start":596.76,"end":623.35004},{"sentences":[{"text":"Yep.","start":623.20496,"end":623.70496,"sentiment":"neutral","sentiment_score":0.07940739393234253}],"sentiment":"neutral","sentiment_score":0.07940739393234253,"channel":1,"num_words":1,"start":623.20496,"end":623.70496},{"sentences":[{"text":"those insurance policies are transferred over, we'll then do a full rollover of","start":623.35004,"end":628.47003,"sentiment":"neutral","sentiment_score":0.07815077958198693}],"sentiment":"neutral","sentiment_score":0.07815077958198693,"channel":0,"num_words":13,"start":623.35004,"end":628.47003},{"sentences":[{"text":"Okay.","start":628.40497,"end":628.90497,"sentiment":"neutral","sentiment_score":0.050321053713560104}],"sentiment":"neutral","sentiment_score":0.050321053713560104,"channel":1,"num_words":1,"start":628.40497,"end":628.90497},{"sentences":[{"text":"the remaining funds closing the HESTA funds.","start":628.47003,"end":631.29004,"sentiment":"neutral","sentiment_score":0.03442055146609034}],"sentiment":"neutral","sentiment_score":0.03442055146609034,"channel":0,"num_words":7,"start":628.47003,"end":631.29004},{"sentences":[{"text":"Okay.","start":632.05,"end":632.55,"sentiment":"neutral","sentiment_score":0.09120356291532516}],"sentiment":"neutral","sentiment_score":0.09120356291532516,"channel":1,"num_words":1,"start":632.05,"end":632.55},{"sentences":[{"text":"The outcomes are that investment fee wise, the HUB24 portfolio is less.","start":634.31,"end":641.825,"sentiment":"neutral","sentiment_score":0.1143261988957723},{"text":"So your investment management fees, but the admin fees are higher, which I'll talk you through shot...","start":642.445,"end":649.08496,"sentiment":"neutral","sentiment_score":-0.029232461717637145},{"text":"Shortly.","start":649.08496,"end":649.58496,"sentiment":"neutral","sentiment_score":-0.05031786113977432}],"sentiment":"neutral","sentiment_score":0.02748815588032206,"channel":0,"num_words":30,"start":634.31,"end":649.58496},{"sentences":[{"text":"Yes.","start":650.815,"end":651.315,"sentiment":"neutral","sentiment_score":-0.0668325126171112}],"sentiment":"neutral","sentiment_score":-0.0668325126171112,"channel":1,"num_words":1,"start":650.815,"end":651.315},{"sentences":[{"text":"The disadvantages is, as I mentioned, the higher administration fees of $58 per annum.","start":652.56,"end":664.26,"sentiment":"negative","sentiment_score":-0.42642726429871153},{"text":"We will apply an ongoing adviser fee, which I will talk you through as well, later on in the document.","start":664.845,"end":672.14496,"sentiment":"neutral","sentiment_score":-0.18329678513109685},{"text":"And that the recommended portfolio that I'm making a recommendation does have a higher allocation to growth assets,","start":672.76495,"end":679.985,"sentiment":"neutral","sentiment_score":-0.2524665254685614}],"sentiment":"neutral","sentiment_score":-0.2726983627161154,"channel":0,"num_words":52,"start":652.56,"end":679.985},{"sentences":[{"text":"Mhmm.","start":679.975,"end":680.475,"sentiment":"neutral","sentiment_score":-0.3017505407333374}],"sentiment":"neutral","sentiment_score":-0.3017505407333374,"channel":1,"num_words":1,"start":679.975,"end":680.475},{"sentences":[{"text":"which does expose you to more market volatility and fluctuations over time.","start":680.59,"end":686.05,"sentiment":"negative","sentiment_score":-0.3804737900694211}],"sentiment":"negative","sentiment_score":-0.3804737900694211,"channel":0,"num_words":12,"start":680.59,"end":686.05},{"sentences":[{"text":"It does.","start":688.16,"end":688.56,"sentiment":"neutral","sentiment_score":-0.09526167809963226},{"text":"Sorry.","start":688.56,"end":688.8,"sentiment":"neutral","sentiment_score":-0.1291511058807373},{"text":"It does or it doesn't?","start":688.8,"end":690.01996,"sentiment":"neutral","sentiment_score":-0.08236220479011536}],"sentiment":"neutral","sentiment_score":-0.09143568575382233,"channel":1,"num_words":8,"start":688.16,"end":690.01996},{"sentences":[{"text":"It does.","start":690.91,"end":691.55,"sentiment":"neutral","sentiment_score":-0.03092101216316223},{"text":"So compared to your HESTA, it is...","start":691.55,"end":696.125,"sentiment":"neutral","sentiment_score":-0.03891347082597869},{"text":"Let me get that exact figure.","start":696.34503,"end":697.78503,"sentiment":"neutral","sentiment_score":-0.057152762388189636},{"text":"It's a little bit further in the document, but while we're here, I'll discuss it.","start":697.78503,"end":701.16504,"sentiment":"neutral","sentiment_score":-0.026305054873228075},{"text":"So your current portfolio with HESTA has about 66% exposure to growth assets,","start":701.465,"end":709.16504,"sentiment":"neutral","sentiment_score":-0.10958591447426723}],"sentiment":"neutral","sentiment_score":-0.05805454896979554,"channel":0,"num_words":43,"start":690.91,"end":709.16504},{"sentences":[{"text":"Mhmm.","start":709.965,"end":710.465,"sentiment":"neutral","sentiment_score":-0.1102733165025711}],"sentiment":"neutral","sentiment_score":-0.1102733165025711,"channel":1,"num_words":1,"start":709.965,"end":710.465},{"sentences":[{"text":"which which doesn't really fit with your high growth investment approach","start":710.56,"end":717.54004,"sentiment":"neutral","sentiment_score":-0.21212715858762915}],"sentiment":"neutral","sentiment_score":-0.21212715858762915,"channel":0,"num_words":11,"start":710.56,"end":717.54004},{"sentences":[{"text":"Mhmm.","start":718.62,"end":719.12,"sentiment":"neutral","sentiment_score":-0.14007340371608734}],"sentiment":"neutral","sentiment_score":-0.14007340371608734,"channel":1,"num_words":1,"start":718.62,"end":719.12},{"sentences":[{"text":"and and 34% in defensive assets.","start":719.12,"end":722.115,"sentiment":"neutral","sentiment_score":-0.17320688565572104},{"text":"Our portfolio is recommending approximately 94% in growth assets with about 6% in defensive assets.","start":722.355,"end":730.77496,"sentiment":"neutral","sentiment_score":-0.08107208982110023},{"text":"So sitting towards more that high growth investment option.","start":731.395,"end":735.175,"sentiment":"neutral","sentiment_score":-0.06335843768384722}],"sentiment":"neutral","sentiment_score":-0.09418495334684848,"channel":0,"num_words":30,"start":719.12,"end":735.175},{"sentences":[{"text":"Investment option.","start":734.71497,"end":735.77496,"sentiment":"neutral","sentiment_score":-0.003615233115851879},{"text":"Yep.","start":735.995,"end":736.495,"sentiment":"neutral","sentiment_score":0.07152097672224045}],"sentiment":"neutral","sentiment_score":0.02143017016351223,"channel":1,"num_words":3,"start":734.71497,"end":736.495},{"sentences":[{"text":"Does that make","start":737.93,"end":738.75,"sentiment":"neutral","sentiment_score":0.08133384337027867}],"sentiment":"neutral","sentiment_score":0.08133384337027867,"channel":0,"num_words":3,"start":737.93,"end":738.75},{"sentences":[{"text":"Yeah.","start":739.19495,"end":739.51495,"sentiment":"neutral","sentiment_score":0.12913379073143005},{"text":"That makes","start":739.51495,"end":739.995,"sentiment":"neutral","sentiment_score":0.1641346514225006}],"sentiment":"neutral","sentiment_score":0.15246769785881042,"channel":1,"num_words":3,"start":739.19495,"end":739.995},{"sentences":[{"text":"sense?","start":739.85,"end":740.35,"sentiment":"neutral","sentiment_score":0.09851764142513277}],"sentiment":"neutral","sentiment_score":0.09851764142513277,"channel":0,"num_words":1,"start":739.85,"end":740.35},{"sentences":[{"text":"sense.","start":739.995,"end":740.31494,"sentiment":"neutral","sentiment_score":0.098552867770195},{"text":"Yes.","start":740.31494,"end":740.81494,"sentiment":"neutral","sentiment_score":0.2580910623073578}],"sentiment":"neutral","sentiment_score":0.1783219650387764,"channel":1,"num_words":2,"start":739.995,"end":740.81494},{"sentences":[{"text":"Lovely.","start":741.44995,"end":741.94995,"sentiment":"positive","sentiment_score":0.4467894434928894},{"text":"I did consider some...","start":743.37,"end":744.73,"sentiment":"neutral","sentiment_score":0.2004442922770977},{"text":"I did consider retaining your HESTA fund and investing it in a high growth option.","start":744.73,"end":752.11,"sentiment":"neutral","sentiment_score":0.052525207151969275}],"sentiment":"neutral","sentiment_score":0.10182223599404097,"channel":0,"num_words":20,"start":741.44995,"end":752.11},{"sentences":[{"text":"Mhmm.","start":753.13,"end":753.63,"sentiment":"neutral","sentiment_score":-0.08877924084663391}],"sentiment":"neutral","sentiment_score":-0.08877924084663391,"channel":1,"num_words":1,"start":753.13,"end":753.63},{"sentences":[{"text":"Basically, I decided against that because you...","start":754.425,"end":757.305,"sentiment":"neutral","sentiment_score":-0.26141788916928427},{"text":"Again, you will be exposed to those unlisted style assets, and you you are limited in your investment options.","start":757.305,"end":764.905,"sentiment":"negative","sentiment_score":-0.3594227605744412},{"text":"So they're pooled type investments, and you are limited.","start":764.905,"end":768.85,"sentiment":"neutral","sentiment_score":-0.29843956894344753},{"text":"So that's why I","start":768.91,"end":770.19,"sentiment":"neutral","sentiment_score":-0.17209622636437416}],"sentiment":"neutral","sentiment_score":-0.30854612053968966,"channel":0,"num_words":39,"start":754.425,"end":770.19},{"sentences":[{"text":"Yes.","start":770.005,"end":770.34,"sentiment":"neutral","sentiment_score":-0.1386253535747528}],"sentiment":"neutral","sentiment_score":-0.1386253535747528,"channel":1,"num_words":1,"start":770.005,"end":770.34},{"sentences":[{"text":"decided against HESTA.","start":770.19,"end":772.05,"sentiment":"negative","sentiment_score":-0.38460177183151245},{"text":"And I also considered another platform called MyNorth as an alternative.","start":773.71,"end":778.13,"sentiment":"neutral","sentiment_score":-0.137907301499085},{"text":"The","start":778.83,"end":779.07,"sentiment":"neutral","sentiment_score":-0.027657005935907364}],"sentiment":"neutral","sentiment_score":-0.17989617586135864,"channel":0,"num_words":15,"start":770.19,"end":779.07},{"sentences":[{"text":"Mhmm.","start":778.98004,"end":779.48004,"sentiment":"neutral","sentiment_score":-0.07932459563016891}],"sentiment":"neutral","sentiment_score":-0.07932459563016891,"channel":1,"num_words":1,"start":778.98004,"end":779.48004},{"sentences":[{"text":"reason why I didn't proceed with them is that their brokerage fees...","start":779.07,"end":784.49506,"sentiment":"neutral","sentiment_score":-0.240497171257933},{"text":"So when you...","start":784.49506,"end":785.715,"sentiment":"neutral","sentiment_score":-0.07570368548234303},{"text":"When the fund trades to buy or sell funds depending on your contributions, their fees are higher than the recommended Hub 24.","start":786.015,"end":797.27997,"sentiment":"neutral","sentiment_score":-0.1253842826594006}],"sentiment":"neutral","sentiment_score":-0.1586900359472713,"channel":0,"num_words":37,"start":779.07,"end":797.27997},{"sentences":[{"text":"Okay.","start":797.995,"end":798.495,"sentiment":"neutral","sentiment_score":-0.005343317985534668}],"sentiment":"neutral","sentiment_score":-0.005343317985534668,"channel":1,"num_words":1,"start":797.995,"end":798.495},{"sentences":[{"text":"So that's the...","start":800.77997,"end":801.92,"sentiment":"neutral","sentiment_score":-0.00627167879914244},{"text":"All that wording area.","start":802.38,"end":804.0,"sentiment":"neutral","sentiment_score":-0.0020787164103239775},{"text":"If you scroll the wording, it's a concise...","start":804.06,"end":807.42,"sentiment":"neutral","sentiment_score":0.004398039716761559},{"text":"A condensed version of what's involved in that wording for","start":807.42,"end":811.04,"sentiment":"neutral","sentiment_score":0.0010323040536604823}],"sentiment":"neutral","sentiment_score":0.0007350982492789626,"channel":0,"num_words":25,"start":800.77997,"end":811.04},{"sentences":[{"text":"Yeah.","start":810.71,"end":811.21,"sentiment":"neutral","sentiment_score":0.011329819448292255}],"sentiment":"neutral","sentiment_score":0.011329819448292255,"channel":1,"num_words":1,"start":810.71,"end":811.21},{"sentences":[{"text":"the first strategy.","start":811.175,"end":812.15497,"sentiment":"neutral","sentiment_score":0.023716758315761883},{"text":"If you scroll to the fee comparison section, this is where I'm gonna talk through a little bit more.","start":812.615,"end":818.235,"sentiment":"neutral","sentiment_score":0.024699691977155835}],"sentiment":"neutral","sentiment_score":0.024565655568783932,"channel":0,"num_words":22,"start":811.175,"end":818.235},{"sentences":[{"text":"Yes.","start":818.80505,"end":819.30505,"sentiment":"neutral","sentiment_score":0.0909477323293686}],"sentiment":"neutral","sentiment_score":0.0909477323293686,"channel":1,"num_words":1,"start":818.80505,"end":819.30505},{"sentences":[{"text":"Yep.","start":820.13495,"end":820.63495,"sentiment":"neutral","sentiment_score":0.1356367468833923},{"text":"So, overall, you'll see that it's the admin fees that are costing you more, approximately","start":821.01495,"end":829.06,"sentiment":"neutral","sentiment_score":0.027240730946262677}],"sentiment":"neutral","sentiment_score":0.03401548194233328,"channel":0,"num_words":16,"start":820.13495,"end":829.06},{"sentences":[{"text":"Approximately","start":829.04504,"end":829.54504,"sentiment":"neutral","sentiment_score":-0.0015253759920597076}],"sentiment":"neutral","sentiment_score":-0.0015253759920597076,"channel":1,"num_words":1,"start":829.04504,"end":829.54504},{"sentences":[{"text":"$244","start":829.28,"end":830.82,"sentiment":"neutral","sentiment_score":0.01507541723549366}],"sentiment":"neutral","sentiment_score":0.01507541723549366,"channel":0,"num_words":1,"start":829.28,"end":830.82},{"sentences":[{"text":"transport.","start":829.84503,"end":830.34503,"sentiment":"neutral","sentiment_score":0.0049787163734436035}],"sentiment":"neutral","sentiment_score":0.0049787163734436035,"channel":1,"num_words":1,"start":829.84503,"end":830.34503},{"sentences":[{"text":"or more with your adviser service fee and the insurance premiums.","start":830.96,"end":836.18,"sentiment":"neutral","sentiment_score":0.0190031575885686},{"text":"So when we look at that from a like from like basis, you are paying more to be in hub, and that includes the insurance premiums as well.","start":837.625,"end":849.865,"sentiment":"neutral","sentiment_score":0.03621754329651594},{"text":"So your insurance premiums actually will be cheaper, but you are gonna incur the adviser service fee, which increases the investments also...","start":849.865,"end":860.57,"sentiment":"neutral","sentiment_score":-0.043932651254263794},{"text":"Or...","start":861.59,"end":861.83,"sentiment":"neutral","sentiment_score":-0.02075492218136787},{"text":"Sorry.","start":861.83,"end":862.31,"sentiment":"neutral","sentiment_score":-0.09756297618150712}],"sentiment":"neutral","sentiment_score":0.002195074917778136,"channel":0,"num_words":63,"start":830.96,"end":862.31},{"sentences":[{"text":"The fees also.","start":862.31,"end":863.61005,"sentiment":"neutral","sentiment_score":-0.0943119948108991},{"text":"On a five year rolling average, your current fund returns approximately 6.48%.","start":865.425,"end":872.165,"sentiment":"neutral","sentiment_score":-0.051033404655754566}],"sentiment":"neutral","sentiment_score":-0.059689122686783475,"channel":0,"num_words":15,"start":862.31,"end":872.165},{"sentences":[{"text":"Okay.","start":873.26996,"end":873.615,"sentiment":"neutral","sentiment_score":0.02178831398487091}],"sentiment":"neutral","sentiment_score":0.02178831398487091,"channel":1,"num_words":1,"start":873.26996,"end":873.615},{"sentences":[{"text":"In in the recommended fund that we are looking at, the five year average is 11.34%.","start":873.665,"end":880.1,"sentiment":"neutral","sentiment_score":0.015641314210370183}],"sentiment":"neutral","sentiment_score":0.015641314210370183,"channel":0,"num_words":16,"start":873.665,"end":880.1},{"sentences":[{"text":"Okay.","start":881.375,"end":881.875,"sentiment":"neutral","sentiment_score":0.014544709585607052}],"sentiment":"neutral","sentiment_score":0.014544709585607052,"channel":1,"num_words":1,"start":881.375,"end":881.875},{"sentences":[{"text":"What that means over the long term is as...","start":882.4,"end":885.83997,"sentiment":"neutral","sentiment_score":0.011458995648556285},{"text":"You know, your lump sum in five years is gonna be 12...","start":885.83997,"end":890.58,"sentiment":"neutral","sentiment_score":-0.005443296783293287},{"text":"Projected out to be approximately","start":890.72,"end":892.26,"sentiment":"neutral","sentiment_score":-0.0069054985418915745}],"sentiment":"neutral","sentiment_score":0.00012630410492420197,"channel":0,"num_words":26,"start":882.4,"end":892.26},{"sentences":[{"text":"That could be...","start":891.84,"end":892.66,"sentiment":"neutral","sentiment_score":-0.02573460526764393}],"sentiment":"neutral","sentiment_score":-0.02573460526764393,"channel":1,"num_words":3,"start":891.84,"end":892.66},{"sentences":[{"text":"$12,000 better off, and in ten years, forty one thousand dollars better off.","start":892.32,"end":898.315,"sentiment":"neutral","sentiment_score":-0.031079330983070228}],"sentiment":"neutral","sentiment_score":-0.031079330983070228,"channel":0,"num_words":13,"start":892.32,"end":898.315},{"sentences":[{"text":"Mhmm.","start":898.08,"end":898.58,"sentiment":"neutral","sentiment_score":0.03472737595438957},{"text":"Okay.","start":899.12,"end":899.52,"sentiment":"neutral","sentiment_score":0.11574693024158478},{"text":"That's that's good.","start":899.52,"end":900.98,"sentiment":"positive","sentiment_score":0.34866053859392804}],"sentiment":"neutral","sentiment_score":0.2392911843955517,"channel":1,"num_words":5,"start":898.08,"end":900.98},{"sentences":[{"text":"So, again, they're just projections based on past performance, so they don't tell us and they're not an indication for future performance, but it gives us...","start":902.775,"end":913.58,"sentiment":"neutral","sentiment_score":-0.03684247227815481},{"text":"It give...","start":914.12,"end":914.68,"sentiment":"neutral","sentiment_score":-0.030635638162493706},{"text":"It it shows that you you shouldn't be...","start":914.68,"end":917.64,"sentiment":"neutral","sentiment_score":-0.16427957080304623},{"text":"Well, not you shouldn't, but the balanced growth isn't gonna help you achieve your longer term goals.","start":917.64,"end":923.175,"sentiment":"neutral","sentiment_score":-0.19622544067747452},{"text":"You do need to have some more exposure to your high growth.","start":923.175,"end":926.15497,"sentiment":"neutral","sentiment_score":-0.19212579851349196}],"sentiment":"neutral","sentiment_score":-0.12268852608708235,"channel":0,"num_words":65,"start":902.775,"end":926.15497},{"sentences":[{"text":"And then even when we look down further, the annualized returns with act...","start":927.095,"end":932.935,"sentiment":"neutral","sentiment_score":-0.06775278110916798},{"text":"With a more diversified and more investment options, your portfolio is estimated to return","start":932.935,"end":941.21,"sentiment":"neutral","sentiment_score":-0.005465283457721982}],"sentiment":"neutral","sentiment_score":-0.0354555601047145,"channel":0,"num_words":27,"start":927.095,"end":941.21},{"sentences":[{"text":"Mhmm.","start":941.195,"end":941.695,"sentiment":"neutral","sentiment_score":-0.01472379919141531}],"sentiment":"neutral","sentiment_score":-0.01472379919141531,"channel":1,"num_words":1,"start":941.195,"end":941.695},{"sentences":[{"text":"more over the longer","start":941.21,"end":942.49,"sentiment":"neutral","sentiment_score":-0.019914187490940094}],"sentiment":"neutral","sentiment_score":-0.019914187490940094,"channel":0,"num_words":4,"start":941.21,"end":942.49},{"sentences":[{"text":"Okay.","start":942.315,"end":942.815,"sentiment":"neutral","sentiment_score":0.01808052323758602}],"sentiment":"neutral","sentiment_score":0.01808052323758602,"channel":1,"num_words":1,"start":942.315,"end":942.815},{"sentences":[{"text":"term.","start":942.49,"end":942.99,"sentiment":"neutral","sentiment_score":0.04865304380655289}],"sentiment":"neutral","sentiment_score":0.04865304380655289,"channel":0,"num_words":1,"start":942.49,"end":942.99},{"sentences":[{"text":"Yep.","start":943.835,"end":944.22,"sentiment":"neutral","sentiment_score":0.10723619163036346}],"sentiment":"neutral","sentiment_score":0.10723619163036346,"channel":1,"num_words":1,"start":943.835,"end":944.22},{"sentences":[{"text":"The investment options are displayed in a table.","start":947.53,"end":950.59,"sentiment":"neutral","sentiment_score":0.0689655221067369},{"text":"Can you see that?","start":951.985,"end":952.945,"sentiment":"neutral","sentiment_score":0.0472882540198043},{"text":"Have you scrolled to","start":952.945,"end":953.82495,"sentiment":"neutral","sentiment_score":0.006718081654980779}],"sentiment":"neutral","sentiment_score":0.04798434497206472,"channel":0,"num_words":16,"start":947.53,"end":953.82495},{"sentences":[{"text":"Yeah.","start":953.81995,"end":954.31995,"sentiment":"neutral","sentiment_score":0.009788624942302704}],"sentiment":"neutral","sentiment_score":0.009788624942302704,"channel":1,"num_words":1,"start":953.81995,"end":954.31995},{"sentences":[{"text":"that section yet?","start":953.82495,"end":955.125,"sentiment":"neutral","sentiment_score":0.012163224630057812}],"sentiment":"neutral","sentiment_score":0.012163224630057812,"channel":0,"num_words":3,"start":953.82495,"end":955.125},{"sentences":[{"text":"I can","start":955.01996,"end":955.42,"sentiment":"neutral","sentiment_score":0.11998298764228821}],"sentiment":"neutral","sentiment_score":0.11998298764228821,"channel":1,"num_words":2,"start":955.01996,"end":955.42},{"sentences":[{"text":"Yep.","start":955.185,"end":955.685,"sentiment":"neutral","sentiment_score":0.11871564388275146}],"sentiment":"neutral","sentiment_score":0.11871564388275146,"channel":0,"num_words":1,"start":955.185,"end":955.685},{"sentences":[{"text":"see them.","start":955.42,"end":955.89996,"sentiment":"neutral","sentiment_score":0.14581596851348877},{"text":"I'll go through them properly as well.","start":955.89996,"end":957.74,"sentiment":"neutral","sentiment_score":0.22075471069131578},{"text":"Yeah.","start":957.74,"end":958.24,"sentiment":"positive","sentiment_score":0.5090763568878174}],"sentiment":"neutral","sentiment_score":0.23459912687540055,"channel":1,"num_words":10,"start":955.42,"end":958.24},{"sentences":[{"text":"Lovely.","start":958.945,"end":959.445,"sentiment":"positive","sentiment_score":0.6767160296440125},{"text":"So the portfolio I'm recommending is that you'll have some cybersecurity exposure, which is what we call a satellite investment.","start":959.82495,"end":968.57,"sentiment":"neutral","sentiment_score":0.1712118037045002},{"text":"So it sits around the core investment options, which are your iShares S and P 500 and the beta shares Australian 200.","start":968.57,"end":976.99,"sentiment":"neutral","sentiment_score":0.12924248149449175},{"text":"And","start":977.61,"end":977.93,"sentiment":"neutral","sentiment_score":0.09363839030265808}],"sentiment":"neutral","sentiment_score":0.15995284288444303,"channel":0,"num_words":44,"start":958.945,"end":977.93},{"sentences":[{"text":"Yeah.","start":977.85004,"end":978.35004,"sentiment":"neutral","sentiment_score":0.1009727343916893}],"sentiment":"neutral","sentiment_score":0.1009727343916893,"channel":1,"num_words":1,"start":977.85004,"end":978.35004},{"sentences":[{"text":"all all the others are your satellites, so they sit around being your further diversification.","start":977.93,"end":984.725,"sentiment":"neutral","sentiment_score":0.10165098855892817},{"text":"So you've got some further diversification in cybersecurity, Europe, Japan, and the...","start":985.26495,"end":992.40497,"sentiment":"neutral","sentiment_score":0.056056951017429434},{"text":"All world excluding US with the iShares","start":993.105,"end":996.12,"sentiment":"neutral","sentiment_score":-0.004428941689963851}],"sentiment":"neutral","sentiment_score":0.06371898966950967,"channel":0,"num_words":34,"start":977.93,"end":996.12},{"sentences":[{"text":"Yes.","start":995.92505,"end":996.42505,"sentiment":"neutral","sentiment_score":0.02614847756922245}],"sentiment":"neutral","sentiment_score":0.02614847756922245,"channel":1,"num_words":1,"start":995.92505,"end":996.42505},{"sentences":[{"text":"S and P being your US, a little bit of physical gold exposure, and the iShares core composite bond is your different...","start":996.12,"end":1003.56,"sentiment":"neutral","sentiment_score":0.01845783410085873},{"text":"Your major defensive part of your portfolio.","start":1003.56,"end":1006.22,"sentiment":"neutral","sentiment_score":0.01896954913224493}],"sentiment":"neutral","sentiment_score":0.018581351522227813,"channel":0,"num_words":29,"start":996.12,"end":1006.22},{"sentences":[{"text":"Okay.","start":1007.32,"end":1007.82,"sentiment":"neutral","sentiment_score":0.1549670249223709}],"sentiment":"neutral","sentiment_score":0.1549670249223709,"channel":1,"num_words":1,"start":1007.32,"end":1007.82},{"sentences":[{"text":"The portfolio is designed to give you different economy diversification, so being Europe, Japan, and all world, which gives you the exposure to all the economies through a diversified manner.","start":1009.335,"end":1026.27,"sentiment":"neutral","sentiment_score":0.15214997405807176}],"sentiment":"neutral","sentiment_score":0.15214997405807176,"channel":0,"num_words":30,"start":1009.335,"end":1026.27},{"sentences":[{"text":"Mhmm.","start":1025.9,"end":1026.4,"sentiment":"neutral","sentiment_score":0.03922354057431221},{"text":"Okay.","start":1027.98,"end":1028.48,"sentiment":"neutral","sentiment_score":0.05020112544298172}],"sentiment":"neutral","sentiment_score":0.044712333008646965,"channel":1,"num_words":2,"start":1025.9,"end":1028.48},{"sentences":[{"text":"The asset allocation is the next page, and that's where I I referred to earlier with the the difference between the balance growth and the high growth approach.","start":1029.85,"end":1039.365,"sentiment":"neutral","sentiment_score":0.03534829669765064},{"text":"So you'll see","start":1039.825,"end":1040.725,"sentiment":"neutral","sentiment_score":0.06218898172179858}],"sentiment":"neutral","sentiment_score":0.037945782345148824,"channel":0,"num_words":31,"start":1029.85,"end":1040.725},{"sentences":[{"text":"Yes.","start":1040.2949,"end":1040.7949,"sentiment":"neutral","sentiment_score":0.04661526158452034}],"sentiment":"neutral","sentiment_score":0.04661526158452034,"channel":1,"num_words":1,"start":1040.2949,"end":1040.7949},{"sentences":[{"text":"existing is you're sitting at about 66 and then 34 for gross first assets.","start":1040.865,"end":1046.725,"sentiment":"neutral","sentiment_score":0.023310415180666105},{"text":"We're recommending a 94 to","start":1047.265,"end":1049.825,"sentiment":"neutral","sentiment_score":0.10550239831209182}],"sentiment":"neutral","sentiment_score":0.04493988442577814,"channel":0,"num_words":19,"start":1040.865,"end":1049.825},{"sentences":[{"text":"One","start":1049.6549,"end":1050.1549,"sentiment":"neutral","sentiment_score":0.09510071575641632}],"sentiment":"neutral","sentiment_score":0.09510071575641632,"channel":1,"num_words":1,"start":1049.6549,"end":1050.1549},{"sentences":[{"text":"a 6% allocation just to be in line with that high growth investment portfolio, which","start":1049.825,"end":1056.7401,"sentiment":"neutral","sentiment_score":0.13873240848382315}],"sentiment":"neutral","sentiment_score":0.13873240848382315,"channel":0,"num_words":15,"start":1049.825,"end":1056.7401},{"sentences":[{"text":"Mhmm.","start":1056.5801,"end":1057.0801,"sentiment":"neutral","sentiment_score":0.14423783123493197}],"sentiment":"neutral","sentiment_score":0.14423783123493197,"channel":1,"num_words":1,"start":1056.5801,"end":1057.0801},{"sentences":[{"text":"will allow you the long term growth.","start":1056.7401,"end":1059.14,"sentiment":"neutral","sentiment_score":0.14139910680907114},{"text":"And as we've discussed before, you you do...","start":1059.14,"end":1061.88,"sentiment":"neutral","sentiment_score":0.023239772650413215},{"text":"With your superannuation, legally, you're unable to access it until you're 60 years of all age based on today's legislation.","start":1062.18,"end":1068.995,"sentiment":"neutral","sentiment_score":-0.266937006264925},{"text":"So you do have time on your side again to take that higher risk.","start":1069.695,"end":1075.395,"sentiment":"neutral","sentiment_score":-0.22178917537842477}],"sentiment":"neutral","sentiment_score":-0.14832809493325802,"channel":0,"num_words":49,"start":1056.7401,"end":1075.395},{"sentences":[{"text":"Yeah.","start":1076.375,"end":1076.875,"sentiment":"neutral","sentiment_score":-0.002606624737381935}],"sentiment":"neutral","sentiment_score":-0.002606624737381935,"channel":1,"num_words":1,"start":1076.375,"end":1076.875},{"sentences":[{"text":"Any questions about that?","start":1077.375,"end":1078.835,"sentiment":"neutral","sentiment_score":-0.023903260473161936}],"sentiment":"neutral","sentiment_score":-0.023903260473161936,"channel":0,"num_words":4,"start":1077.375,"end":1078.835},{"sentences":[{"text":"No.","start":1080.215,"end":1080.69,"sentiment":"neutral","sentiment_score":-0.10824516415596008},{"text":"But I would","start":1080.7699,"end":1081.6499,"sentiment":"neutral","sentiment_score":-0.06864198545614879}],"sentiment":"neutral","sentiment_score":-0.07854278013110161,"channel":1,"num_words":4,"start":1080.215,"end":1081.6499},{"sentences":[{"text":"No.","start":1081.55,"end":1082.05,"sentiment":"neutral","sentiment_score":-0.1577724665403366}],"sentiment":"neutral","sentiment_score":-0.1577724665403366,"channel":0,"num_words":1,"start":1081.55,"end":1082.05},{"sentences":[{"text":"definitely need a three as well, probably.","start":1081.6499,"end":1083.59,"sentiment":"neutral","sentiment_score":-0.07985314833266395}],"sentiment":"neutral","sentiment_score":-0.07985314833266395,"channel":1,"num_words":7,"start":1081.6499,"end":1083.59},{"sentences":[{"text":"We we definitely recommend.","start":1084.5901,"end":1086.2101,"sentiment":"positive","sentiment_score":0.3906787112355232},{"text":"So there's...","start":1086.3501,"end":1086.9901,"sentiment":"neutral","sentiment_score":0.06966231390833855},{"text":"You're not needing to sign this today.","start":1086.9901,"end":1089.4701,"sentiment":"neutral","sentiment_score":-0.04644876771739551},{"text":"We absolutely...","start":1089.4701,"end":1090.3701,"sentiment":"neutral","sentiment_score":0.052391596138477325},{"text":"I'm","start":1090.5901,"end":1090.75,"sentiment":"neutral","sentiment_score":0.0010101547231897712}],"sentiment":"neutral","sentiment_score":0.09266821535857162,"channel":0,"num_words":16,"start":1084.5901,"end":1090.75},{"sentences":[{"text":"A little","start":1090.61,"end":1091.0099,"sentiment":"neutral","sentiment_score":-0.08142710477113724}],"sentiment":"neutral","sentiment_score":-0.08142710477113724,"channel":1,"num_words":2,"start":1090.61,"end":1091.0099},{"sentences":[{"text":"running","start":1090.75,"end":1091.15,"sentiment":"neutral","sentiment_score":-0.05129529535770416}],"sentiment":"neutral","sentiment_score":-0.05129529535770416,"channel":0,"num_words":1,"start":1090.75,"end":1091.15},{"sentences":[{"text":"late","start":1091.0099,"end":1091.25,"sentiment":"neutral","sentiment_score":-0.12603074312210083}],"sentiment":"neutral","sentiment_score":-0.12603074312210083,"channel":1,"num_words":1,"start":1091.0099,"end":1091.25},{"sentences":[{"text":"through","start":1091.15,"end":1091.31,"sentiment":"neutral","sentiment_score":-0.0311148539185524}],"sentiment":"neutral","sentiment_score":-0.0311148539185524,"channel":0,"num_words":1,"start":1091.15,"end":1091.31},{"sentences":[{"text":"on.","start":1091.25,"end":1091.75,"sentiment":"neutral","sentiment_score":-0.03960997983813286}],"sentiment":"neutral","sentiment_score":-0.03960997983813286,"channel":1,"num_words":1,"start":1091.25,"end":1091.75},{"sentences":[{"text":"it to give you the","start":1091.31,"end":1092.6101,"sentiment":"neutral","sentiment_score":0.0038935407996177674}],"sentiment":"neutral","sentiment_score":0.0038935407996177674,"channel":0,"num_words":5,"start":1091.31,"end":1092.6101},{"sentences":[{"text":"On the same thing.","start":1093.97,"end":1095.0299,"sentiment":"neutral","sentiment_score":0.0021462216973304753}],"sentiment":"neutral","sentiment_score":0.0021462216973304753,"channel":1,"num_words":4,"start":1093.97,"end":1095.0299},{"sentences":[{"text":"the...","start":1095.0751,"end":1095.5751,"sentiment":"neutral","sentiment_score":-0.016622286289930344},{"text":"Yeah.","start":1095.9551,"end":1096.3551,"sentiment":"neutral","sentiment_score":0.05436132103204727},{"text":"And then","start":1096.3551,"end":1096.915,"sentiment":"neutral","sentiment_score":0.0739278569817543}],"sentiment":"neutral","sentiment_score":0.046398687176406384,"channel":0,"num_words":4,"start":1095.0751,"end":1096.915},{"sentences":[{"text":"Okay.","start":1096.8251,"end":1097.3251,"sentiment":"neutral","sentiment_score":0.16987252235412598}],"sentiment":"neutral","sentiment_score":0.16987252235412598,"channel":1,"num_words":1,"start":1096.8251,"end":1097.3251},{"sentences":[{"text":"we definitely recommend you read through that.","start":1096.915,"end":1099.175,"sentiment":"neutral","sentiment_score":0.28363589516707827},{"text":"The next section is the sari sacrifice.","start":1101.0751,"end":1103.495,"sentiment":"neutral","sentiment_score":-0.13685938077313559},{"text":"So rather...","start":1103.875,"end":1104.435,"sentiment":"neutral","sentiment_score":0.0156381968408823},{"text":"And the only reason that we changed it to a sari sacrifice and","start":1104.435,"end":1108.59,"sentiment":"neutral","sentiment_score":0.08107416675640987}],"sentiment":"neutral","sentiment_score":0.0728509021473342,"channel":0,"num_words":29,"start":1096.915,"end":1108.59},{"sentences":[{"text":"Fine.","start":1108.3451,"end":1108.8451,"sentiment":"neutral","sentiment_score":0.11553426086902618}],"sentiment":"neutral","sentiment_score":0.11553426086902618,"channel":1,"num_words":1,"start":1108.3451,"end":1108.8451},{"sentences":[{"text":"after tax contributions is for efficiency on your behalf.","start":1108.59,"end":1113.95,"sentiment":"neutral","sentiment_score":0.3216691133048799},{"text":"You're you're not needing to set this up.","start":1113.95,"end":1115.63,"sentiment":"neutral","sentiment_score":0.22749694623053074},{"text":"Your employer will do it on your behalf.","start":1115.63,"end":1117.49,"sentiment":"positive","sentiment_score":0.3494306653738022},{"text":"The taxable outcome is still the same as you'll see in that table.","start":1118.03,"end":1122.45,"sentiment":"positive","sentiment_score":0.34916411569485295},{"text":"It's just that you're gonna do it via by two","start":1122.725,"end":1125.525,"sentiment":"neutral","sentiment_score":0.156271855533123}],"sentiment":"neutral","sentiment_score":0.2835894785821438,"channel":0,"num_words":48,"start":1108.59,"end":1125.525},{"sentences":[{"text":"Fine.","start":1125.46,"end":1125.96,"sentiment":"neutral","sentiment_score":0.040370672941207886}],"sentiment":"neutral","sentiment_score":0.040370672941207886,"channel":1,"num_words":1,"start":1125.46,"end":1125.96},{"sentences":[{"text":"diff...","start":1125.525,"end":1126.005,"sentiment":"neutral","sentiment_score":0.01184744108468294},{"text":"By a different contribution method.","start":1126.005,"end":1128.8251,"sentiment":"neutral","sentiment_score":0.010879375785589219}],"sentiment":"neutral","sentiment_score":0.01104072000210484,"channel":0,"num_words":6,"start":1125.525,"end":1128.8251},{"sentences":[{"text":"Okay.","start":1130.625,"end":1131.125,"sentiment":"neutral","sentiment_score":0.044903986155986786},{"text":"Sorry.","start":1131.3451,"end":1131.8451,"sentiment":"neutral","sentiment_score":0.003998670727014542},{"text":"So what you mean is pretty much going through my employer to do the pretax salary sacrifice?","start":1131.9851,"end":1138.645,"sentiment":"neutral","sentiment_score":0.020911304608863944},{"text":"That's the price tax?","start":1138.8651,"end":1140.0851,"sentiment":"neutral","sentiment_score":0.02194164227694273}],"sentiment":"neutral","sentiment_score":0.021398321927889534,"channel":1,"num_words":23,"start":1130.625,"end":1140.0851},{"sentences":[{"text":"Yes.","start":1140.01,"end":1140.51,"sentiment":"neutral","sentiment_score":0.1731187105178833}],"sentiment":"neutral","sentiment_score":0.1731187105178833,"channel":0,"num_words":1,"start":1140.01,"end":1140.51},{"sentences":[{"text":"Okay.","start":1140.8651,"end":1141.3651,"sentiment":"neutral","sentiment_score":0.21949058771133423}],"sentiment":"neutral","sentiment_score":0.21949058771133423,"channel":1,"num_words":1,"start":1140.8651,"end":1141.3651},{"sentences":[{"text":"Exactly.","start":1140.97,"end":1141.47,"sentiment":"neutral","sentiment_score":0.2756662964820862},{"text":"Yep.","start":1141.53,"end":1142.03,"sentiment":"neutral","sentiment_score":0.2778630554676056},{"text":"Yep.","start":1142.1699,"end":1142.6699,"sentiment":"neutral","sentiment_score":0.2552044987678528},{"text":"And it it...","start":1143.0499,"end":1144.4099,"sentiment":"neutral","sentiment_score":0.1685973381002744},{"text":"The only...","start":1144.4099,"end":1144.99,"sentiment":"neutral","sentiment_score":0.0693943127989769}],"sentiment":"neutral","sentiment_score":0.1816643113270402,"channel":0,"num_words":8,"start":1140.97,"end":1144.99},{"sentences":[{"text":"The outcome and the benefits are the same of doing both.","start":1145.2899,"end":1148.51,"sentiment":"positive","sentiment_score":0.4385729296640916},{"text":"It's just that you won't have to do it yourself efficiency wise.","start":1148.8099,"end":1154.0651,"sentiment":"positive","sentiment_score":0.3389800613125165},{"text":"It's there and it's set up.","start":1155.085,"end":1158.145,"sentiment":"positive","sentiment_score":0.4202615221341451}],"sentiment":"positive","sentiment_score":0.39357352051241645,"channel":0,"num_words":29,"start":1145.2899,"end":1158.145},{"sentences":[{"text":"Okay.","start":1159.0951,"end":1159.495,"sentiment":"neutral","sentiment_score":0.228875994682312},{"text":"So I just get $25 a week with my employer.","start":1159.495,"end":1161.995,"sentiment":"neutral","sentiment_score":0.2622366189956665},{"text":"Okay.","start":1162.135,"end":1162.635,"sentiment":"neutral","sentiment_score":0.1687822937965393}],"sentiment":"neutral","sentiment_score":0.25166870653629303,"channel":1,"num_words":12,"start":1159.0951,"end":1162.635},{"sentences":[{"text":"Yeah.","start":1162.88,"end":1163.2,"sentiment":"neutral","sentiment_score":0.16904962062835693},{"text":"Yep.","start":1163.2,"end":1163.5199,"sentiment":"neutral","sentiment_score":0.16823357343673706},{"text":"Just...","start":1163.5199,"end":1163.84,"sentiment":"neutral","sentiment_score":0.08939692378044128},{"text":"We've just recommended the same amount that you're currently doing","start":1163.84,"end":1167.0599,"sentiment":"neutral","sentiment_score":0.2635505378246307}],"sentiment":"neutral","sentiment_score":0.23555273046860328,"channel":0,"num_words":13,"start":1162.88,"end":1167.0599},{"sentences":[{"text":"Okay.","start":1167.5751,"end":1168.0751,"sentiment":"neutral","sentiment_score":0.18010400235652924}],"sentiment":"neutral","sentiment_score":0.18010400235652924,"channel":1,"num_words":1,"start":1167.5751,"end":1168.0751},{"sentences":[{"text":"so that there's no change to your personal cash flow impacts.","start":1168.0,"end":1171.86,"sentiment":"neutral","sentiment_score":0.0374135666272857}],"sentiment":"neutral","sentiment_score":0.0374135666272857,"channel":0,"num_words":11,"start":1168.0,"end":1171.86},{"sentences":[{"text":"Yep.","start":1172.84,"end":1173.24,"sentiment":"neutral","sentiment_score":0.2960985004901886},{"text":"Okay.","start":1173.24,"end":1173.72,"sentiment":"neutral","sentiment_score":0.31499868631362915},{"text":"The...","start":1173.72,"end":1173.96,"sentiment":"positive","sentiment_score":0.3683986961841583},{"text":"I like the sign of that.","start":1173.96,"end":1175.0,"sentiment":"positive","sentiment_score":0.688447376092275},{"text":"I can do that.","start":1175.0,"end":1176.0599,"sentiment":"positive","sentiment_score":0.6160706132650375}],"sentiment":"positive","sentiment_score":0.5826509686616751,"channel":1,"num_words":13,"start":1172.84,"end":1176.0599},{"sentences":[{"text":"Yeah.","start":1175.84,"end":1176.34,"sentiment":"positive","sentiment_score":0.412423312664032},{"text":"Yeah.","start":1176.64,"end":1177.14,"sentiment":"positive","sentiment_score":0.41639959812164307}],"sentiment":"positive","sentiment_score":0.4144114553928375,"channel":0,"num_words":2,"start":1175.84,"end":1177.14},{"sentences":[{"text":"Yeah.","start":1177.1599,"end":1177.24,"sentiment":"positive","sentiment_score":0.4646204710006714},{"text":"Sure.","start":1177.24,"end":1177.74,"sentiment":"positive","sentiment_score":0.6115576028823853}],"sentiment":"positive","sentiment_score":0.5380890369415283,"channel":1,"num_words":2,"start":1177.1599,"end":1177.74},{"sentences":[{"text":"It's much more easier, and you don't have to worry about it then.","start":1177.5851,"end":1180.5651,"sentiment":"positive","sentiment_score":0.5994860713298504}],"sentiment":"positive","sentiment_score":0.5994860713298504,"channel":0,"num_words":13,"start":1177.5851,"end":1180.5651},{"sentences":[{"text":"Yep.","start":1181.32,"end":1181.72,"sentiment":"positive","sentiment_score":0.3498060405254364},{"text":"Okay.","start":1181.72,"end":1182.2,"sentiment":"positive","sentiment_score":0.4432973861694336},{"text":"Cool.","start":1182.2,"end":1182.7,"sentiment":"positive","sentiment_score":0.4795732796192169}],"sentiment":"positive","sentiment_score":0.4242255687713623,"channel":1,"num_words":3,"start":1181.32,"end":1182.7},{"sentences":[{"text":"The next...","start":1184.385,"end":1185.1051,"sentiment":"neutral","sentiment_score":0.17273975163698196},{"text":"And and the document there will go through...","start":1185.1051,"end":1187.505,"sentiment":"neutral","sentiment_score":0.08009102288633585},{"text":"The the next couple of pages of that will go through the advantages and disadvantages.","start":1187.505,"end":1191.2051,"sentiment":"neutral","sentiment_score":0.04999964237213135},{"text":"Again, they're the same as you're currently doing now.","start":1192.02,"end":1194.92,"sentiment":"neutral","sentiment_score":0.17761773450507057},{"text":"It's just a different type of...","start":1196.42,"end":1198.66,"sentiment":"neutral","sentiment_score":-0.004439534309009711}],"sentiment":"neutral","sentiment_score":0.08270311816595495,"channel":0,"num_words":40,"start":1184.385,"end":1198.66},{"sentences":[{"text":"It's just a different way of making that contribution.","start":1198.66,"end":1200.8401,"sentiment":"neutral","sentiment_score":0.005340961532460319}],"sentiment":"neutral","sentiment_score":0.005340961532460319,"channel":0,"num_words":9,"start":1198.66,"end":1200.8401},{"sentences":[{"text":"Okay.","start":1202.14,"end":1202.64,"sentiment":"neutral","sentiment_score":0.16561377048492432}],"sentiment":"neutral","sentiment_score":0.16561377048492432,"channel":1,"num_words":1,"start":1202.14,"end":1202.64},{"sentences":[{"text":"The next part is where I'm gonna spend probably a fair a a decent amount of our time just to go through the insurances.","start":1204.18,"end":1211.785,"sentiment":"neutral","sentiment_score":0.16916010963420072},{"text":"I know we spoke previously, and we did the pre assessment in relation to the BMI and what insurance terms retail funds would provide.","start":1212.965,"end":1225.2101,"sentiment":"neutral","sentiment_score":0.1193447457626462},{"text":"So what we've done is we've tried to be a little bit creative to get you as much cover as possible.","start":1225.8301,"end":1231.37,"sentiment":"neutral","sentiment_score":0.2268861427548386},{"text":"So what we have recommended is when you apply when you apply for your cover with hub twenty four, there's a group insurance option that allows you to have $200,000 life insurance and $200,000 TPD insurance, which is the TPD you don't currently hold.","start":1233.5549,"end":1252.4199,"sentiment":"neutral","sentiment_score":0.08813264991410753}],"sentiment":"neutral","sentiment_score":0.1377571869344838,"channel":0,"num_words":113,"start":1204.18,"end":1252.4199},{"sentences":[{"text":"Okay.","start":1253.25,"end":1253.75,"sentiment":"neutral","sentiment_score":0.015327619388699532}],"sentiment":"neutral","sentiment_score":0.015327619388699532,"channel":1,"num_words":1,"start":1253.25,"end":1253.75},{"sentences":[{"text":"And that premium's $8.03 a month.","start":1254.5599,"end":1257.6799,"sentiment":"neutral","sentiment_score":-0.0026146864984184504},{"text":"Now with group insurance, there's always the exclusion for preexisting conditions.","start":1257.6799,"end":1264.115,"sentiment":"neutral","sentiment_score":-0.20489827611229636},{"text":"So an example of that might be...","start":1264.495,"end":1266.915,"sentiment":"neutral","sentiment_score":-0.07044286600181035},{"text":"What's something I can think of?","start":1269.615,"end":1271.5549,"sentiment":"neutral","sentiment_score":-0.11778730899095535},{"text":"If you had type one diabetes, for example,","start":1275.615,"end":1278.8301,"sentiment":"neutral","sentiment_score":-0.210033206269145}],"sentiment":"neutral","sentiment_score":-0.13551733479835093,"channel":0,"num_words":38,"start":1254.5599,"end":1278.8301},{"sentences":[{"text":"Mhmm.","start":1279.285,"end":1279.785,"sentiment":"neutral","sentiment_score":-0.18215905129909515}],"sentiment":"neutral","sentiment_score":-0.18215905129909515,"channel":1,"num_words":1,"start":1279.285,"end":1279.785},{"sentences":[{"text":"that would be excluded from being claimable on the life and TPD insurance under a group,","start":1280.5701,"end":1286.27,"sentiment":"neutral","sentiment_score":-0.1889159814454615}],"sentiment":"neutral","sentiment_score":-0.1889159814454615,"channel":0,"num_words":16,"start":1280.5701,"end":1286.27},{"sentences":[{"text":"Yep.","start":1285.9501,"end":1286.4501,"sentiment":"neutral","sentiment_score":-0.04151126742362976}],"sentiment":"neutral","sentiment_score":-0.04151126742362976,"channel":1,"num_words":1,"start":1285.9501,"end":1286.4501},{"sentences":[{"text":"which is the same as your cover within HESTA at the moment anyhow.","start":1287.05,"end":1290.51,"sentiment":"neutral","sentiment_score":-0.04759505161872277},{"text":"So what we've recommended is that goes through no underwriting.","start":1291.9349,"end":1296.595,"sentiment":"neutral","sentiment_score":0.1181929051876068},{"text":"So you're automatically...","start":1296.815,"end":1297.635,"sentiment":"neutral","sentiment_score":0.06076052909096082},{"text":"When the forms are ready and","start":1298.895,"end":1300.735,"sentiment":"neutral","sentiment_score":0.043638900543252625}],"sentiment":"neutral","sentiment_score":0.03147838660515845,"channel":0,"num_words":32,"start":1287.05,"end":1300.735},{"sentences":[{"text":"Mhmm.","start":1300.725,"end":1301.225,"sentiment":"neutral","sentiment_score":0.0259470883756876}],"sentiment":"neutral","sentiment_score":0.0259470883756876,"channel":1,"num_words":1,"start":1300.725,"end":1301.225},{"sentences":[{"text":"if you decide, you...","start":1300.735,"end":1302.095,"sentiment":"neutral","sentiment_score":0.02912768186070025},{"text":"We will automatically request that cover be put in place, and that will cost $8.03 per month.","start":1302.095,"end":1309.8999,"sentiment":"neutral","sentiment_score":0.08615908640272477}],"sentiment":"neutral","sentiment_score":0.07529596172805343,"channel":0,"num_words":21,"start":1300.735,"end":1309.8999},{"sentences":[{"text":"Okay.","start":1311.445,"end":1311.945,"sentiment":"neutral","sentiment_score":0.06336066871881485}],"sentiment":"neutral","sentiment_score":0.06336066871881485,"channel":1,"num_words":1,"start":1311.445,"end":1311.945},{"sentences":[{"text":"The next the next part is is that we're going to apply to transfer your existing life cover of a 134,990 over to Hub from HESTA.","start":1311.5599,"end":1324.3251,"sentiment":"neutral","sentiment_score":0.049868396698282316},{"text":"And,","start":1325.505,"end":1325.905,"sentiment":"neutral","sentiment_score":0.038559071719646454}],"sentiment":"neutral","sentiment_score":0.04944953281018469,"channel":0,"num_words":27,"start":1311.5599,"end":1325.905},{"sentences":[{"text":"Mhmm.","start":1325.52,"end":1326.02,"sentiment":"neutral","sentiment_score":0.03305020555853844}],"sentiment":"neutral","sentiment_score":0.03305020555853844,"channel":1,"num_words":1,"start":1325.52,"end":1326.02},{"sentences":[{"text":"also, your income protection policy within HESTA that has been automatically applied, it's only for $1,000 a month.","start":1325.905,"end":1335.525,"sentiment":"neutral","sentiment_score":0.05539765271047751},{"text":"It does have a ninety day waiting period and a five year benefit period, but we believe some cover's better than none.","start":1336.14,"end":1343.8401,"sentiment":"neutral","sentiment_score":0.03860817206176845}],"sentiment":"neutral","sentiment_score":0.046163438353687525,"channel":0,"num_words":40,"start":1325.905,"end":1343.8401},{"sentences":[{"text":"Mhmm.","start":1344.21,"end":1344.71,"sentiment":"neutral","sentiment_score":0.0013529732823371887}],"sentiment":"neutral","sentiment_score":0.0013529732823371887,"channel":1,"num_words":1,"start":1344.21,"end":1344.71},{"sentences":[{"text":"And that...","start":1344.7001,"end":1345.4401,"sentiment":"neutral","sentiment_score":-0.0014573140069842339},{"text":"And when we transfer that over to hub twenty four, that's expected to cost you about $6.99 per month.","start":1345.5801,"end":1352.5651,"sentiment":"neutral","sentiment_score":-0.005781452514623341},{"text":"So what it means overall is you're gonna have about 300,000...","start":1353.105,"end":1357.605,"sentiment":"neutral","sentiment_score":0.011493546549569477},{"text":"$303,334,990 dollars in life insurance,","start":1357.745,"end":1364.005,"sentiment":"neutral","sentiment_score":0.01916293427348137}],"sentiment":"neutral","sentiment_score":0.0029589583140772744,"channel":0,"num_words":37,"start":1344.7001,"end":1364.005},{"sentences":[{"text":"Mhmm.","start":1365.005,"end":1365.505,"sentiment":"neutral","sentiment_score":0.011843115091323853}],"sentiment":"neutral","sentiment_score":0.011843115091323853,"channel":1,"num_words":1,"start":1365.005,"end":1365.505},{"sentences":[{"text":"$200,000 in TPD insurance, and income protection with 100...","start":1365.0701,"end":1371.41,"sentiment":"neutral","sentiment_score":0.004862555613120397},{"text":"With $1,000 per month and ninety day wait and a five year benefit period.","start":1371.4701,"end":1376.13,"sentiment":"neutral","sentiment_score":-0.007168718746730259},{"text":"So,","start":1376.75,"end":1376.99,"sentiment":"neutral","sentiment_score":0.028441842645406723}],"sentiment":"neutral","sentiment_score":-0.0011732174704472225,"channel":0,"num_words":24,"start":1365.0701,"end":1376.99},{"sentences":[{"text":"Okay.","start":1376.99,"end":1377.49,"sentiment":"neutral","sentiment_score":0.03906778618693352}],"sentiment":"neutral","sentiment_score":0.03906778618693352,"channel":1,"num_words":1,"start":1376.99,"end":1377.49},{"sentences":[{"text":"again, they're all they're all group covers.","start":1376.99,"end":1379.5701,"sentiment":"neutral","sentiment_score":0.018268239019172534},{"text":"So any preexisting conditions that you may have would be excluded from claim.","start":1379.825,"end":1385.845,"sentiment":"neutral","sentiment_score":-0.14402221888303757},{"text":"So do you have any preexisting conditions that you could think of?","start":1385.905,"end":1389.125,"sentiment":"neutral","sentiment_score":-0.05202663876116276}],"sentiment":"neutral","sentiment_score":-0.07402283867122605,"channel":0,"num_words":32,"start":1376.99,"end":1389.125},{"sentences":[{"text":"Alright.","start":1389.6951,"end":1389.935,"sentiment":"neutral","sentiment_score":-0.08163409680128098},{"text":"Not that I know of.","start":1389.935,"end":1391.055,"sentiment":"neutral","sentiment_score":-0.22227436006069184},{"text":"Apart from the one","start":1391.055,"end":1391.8551,"sentiment":"neutral","sentiment_score":-0.16849875077605247}],"sentiment":"neutral","sentiment_score":-0.186700090020895,"channel":1,"num_words":10,"start":1389.6951,"end":1391.8551},{"sentences":[{"text":"Nope.","start":1391.745,"end":1392.245,"sentiment":"neutral","sentiment_score":-0.3165857493877411}],"sentiment":"neutral","sentiment_score":-0.3165857493877411,"channel":0,"num_words":1,"start":1391.745,"end":1392.245},{"sentences":[{"text":"that I disclosed at at the very minute, I'm just going through a weight loss.","start":1391.8551,"end":1395.2151,"sentiment":"negative","sentiment_score":-0.3598072052001953}],"sentiment":"negative","sentiment_score":-0.3598072052001953,"channel":1,"num_words":15,"start":1391.8551,"end":1395.2151},{"sentences":[{"text":"Yeah.","start":1394.945,"end":1395.39,"sentiment":"neutral","sentiment_score":-0.10071855038404463}],"sentiment":"neutral","sentiment_score":-0.10071855038404463,"channel":0,"num_words":1,"start":1394.945,"end":1395.39},{"sentences":[{"text":"Just like that's about it.","start":1395.2151,"end":1396.495,"sentiment":"neutral","sentiment_score":0.03663740716874599},{"text":"Yeah.","start":1396.495,"end":1396.995,"sentiment":"neutral","sentiment_score":0.24186307191848755}],"sentiment":"neutral","sentiment_score":0.07084168462703626,"channel":1,"num_words":6,"start":1395.2151,"end":1396.995},{"sentences":[{"text":"Yeah.","start":1397.31,"end":1397.81,"sentiment":"positive","sentiment_score":0.3581458032131195},{"text":"Absolutely fine.","start":1397.87,"end":1399.17,"sentiment":"positive","sentiment_score":0.5876658856868744},{"text":"So that's what we thought would be the the most cost effective approach.","start":1399.63,"end":1406.77,"sentiment":"positive","sentiment_score":0.3772532275089851},{"text":"Now we did...","start":1407.47,"end":1408.35,"sentiment":"neutral","sentiment_score":0.048282116651535034},{"text":"In our in our time, we did talk about the levels of cover that you needed or that you wanted for your daughter, and that came out at sitting about a need for life insurance of about $940,000 as well as the same amount for TPD.","start":1408.35,"end":1426.8201,"sentiment":"neutral","sentiment_score":-0.03915833762806395}],"sentiment":"neutral","sentiment_score":0.07355895925026673,"channel":0,"num_words":65,"start":1397.31,"end":1426.8201},{"sentences":[{"text":"Now we can't get you that level of TPD cover at","start":1427.4401,"end":1431.52,"sentiment":"neutral","sentiment_score":-0.16752128438516098}],"sentiment":"neutral","sentiment_score":-0.16752128438516098,"channel":0,"num_words":11,"start":1427.4401,"end":1431.52},{"sentences":[{"text":"Okay.","start":1431.42,"end":1431.92,"sentiment":"neutral","sentiment_score":-0.060898832976818085}],"sentiment":"neutral","sentiment_score":-0.060898832976818085,"channel":1,"num_words":1,"start":1431.42,"end":1431.92},{"sentences":[{"text":"the moment.","start":1431.52,"end":1432.18,"sentiment":"neutral","sentiment_score":-0.05328298732638359},{"text":"The max we can do is that that group cover.","start":1432.9601,"end":1435.9401,"sentiment":"neutral","sentiment_score":-0.03900981992483139},{"text":"We can look at applying for that $940,000 of retail cover","start":1436.415,"end":1442.915,"sentiment":"neutral","sentiment_score":-0.015617676756598732}],"sentiment":"neutral","sentiment_score":-0.029063418183637703,"channel":0,"num_words":23,"start":1431.52,"end":1442.915},{"sentences":[{"text":"Mhmm.","start":1443.115,"end":1443.615,"sentiment":"neutral","sentiment_score":-0.03496965765953064}],"sentiment":"neutral","sentiment_score":-0.03496965765953064,"channel":1,"num_words":1,"start":1443.115,"end":1443.615},{"sentences":[{"text":"for life insurance, but it will have a loading of between a 150 and a 175%.","start":1443.775,"end":1452.81,"sentiment":"neutral","sentiment_score":-0.10335959028452635},{"text":"The retail insurers have declined TPD trauma and income protection in full, so we're unable to get you those covers through retail insurers.","start":1454.23,"end":1463.4501,"sentiment":"neutral","sentiment_score":-0.29380354997904407},{"text":"So what I've included in this document, once you have a read over it, is that we can apply for the the retail life insurance of $940,000.","start":1465.045,"end":1478.8251,"sentiment":"neutral","sentiment_score":0.05872373551958137},{"text":"It does take up approximate...","start":1479.6201,"end":1481.7201,"sentiment":"neutral","sentiment_score":0.024235722608864307},{"text":"The cost of it would be equivalent to an estimated 10% of your annual super guarantee contribution,","start":1481.9401,"end":1488.4401,"sentiment":"neutral","sentiment_score":-0.05658405800076092}],"sentiment":"neutral","sentiment_score":-0.08711868872739036,"channel":0,"num_words":88,"start":1443.775,"end":1488.4401},{"sentences":[{"text":"Mhmm.","start":1489.6,"end":1490.1,"sentiment":"neutral","sentiment_score":-0.020725902169942856}],"sentiment":"neutral","sentiment_score":-0.020725902169942856,"channel":1,"num_words":1,"start":1489.6,"end":1490.1},{"sentences":[{"text":"but it will provide you with that higher level of cover.","start":1490.5,"end":1493.56,"sentiment":"neutral","sentiment_score":-0.002600908956744454},{"text":"So I have included it in there should you wish to do that for you to have a read over.","start":1493.735,"end":1499.435,"sentiment":"neutral","sentiment_score":0.09196992907673121},{"text":"But we also did talk about your desire for trauma insurance, which is we did a needs analysis of a $145,000.","start":1500.2151,"end":1510.0901,"sentiment":"neutral","sentiment_score":-0.050914407308612554},{"text":"Unfortunately,","start":1510.63,"end":1511.13,"sentiment":"neutral","sentiment_score":-0.11260133981704712}],"sentiment":"neutral","sentiment_score":0.011867635654953291,"channel":0,"num_words":53,"start":1490.5,"end":1511.13},{"sentences":[{"text":"Under.","start":1510.7201,"end":1511.2201,"sentiment":"neutral","sentiment_score":-0.15234750509262085}],"sentiment":"neutral","sentiment_score":-0.15234750509262085,"channel":1,"num_words":1,"start":1510.7201,"end":1511.2201},{"sentences":[{"text":"until your weight...","start":1511.67,"end":1512.79,"sentiment":"neutral","sentiment_score":-0.18691175679365793},{"text":"Like we discussed earlier, until your weight loss journey has completed, I can't obtain that cover on your behalf as well as the income protection at need of $4,783 per month.","start":1512.79,"end":1528.615,"sentiment":"neutral","sentiment_score":-0.3284069516005055},{"text":"So you are gonna","start":1528.755,"end":1529.5549,"sentiment":"neutral","sentiment_score":-0.21938204020261765}],"sentiment":"neutral","sentiment_score":-0.3057599718633451,"channel":0,"num_words":38,"start":1511.67,"end":1529.5549},{"sentences":[{"text":"Okay.","start":1529.335,"end":1529.835,"sentiment":"neutral","sentiment_score":-0.22083184123039248}],"sentiment":"neutral","sentiment_score":-0.22083184123039248,"channel":1,"num_words":1,"start":1529.335,"end":1529.835},{"sentences":[{"text":"have a shortfall there in your income protection until where your BMI does reduce.","start":1529.5549,"end":1536.58,"sentiment":"neutral","sentiment_score":-0.324128121137619},{"text":"Any questions?","start":1538.64,"end":1539.52,"sentiment":"neutral","sentiment_score":-0.09717459976673126},{"text":"Because that's a lot of information I just downloaded on you.","start":1539.52,"end":1542.58,"sentiment":"neutral","sentiment_score":-0.188283540985801}],"sentiment":"neutral","sentiment_score":-0.25197266097422,"channel":0,"num_words":27,"start":1529.5549,"end":1542.58},{"sentences":[{"text":"Okay.","start":1542.33,"end":1542.8099,"sentiment":"neutral","sentiment_score":0.0175516065210104},{"text":"No.","start":1542.8099,"end":1542.97,"sentiment":"neutral","sentiment_score":0.004985149949789047},{"text":"That's fine.","start":1542.97,"end":1543.45,"sentiment":"neutral","sentiment_score":0.08456363156437874},{"text":"No worries.","start":1543.45,"end":1543.85,"sentiment":"neutral","sentiment_score":0.05310103856027126},{"text":"Like I said, I'm gonna be...","start":1543.85,"end":1545.21,"sentiment":"neutral","sentiment_score":0.013227026288708052}],"sentiment":"neutral","sentiment_score":0.03143568787102898,"channel":1,"num_words":12,"start":1542.33,"end":1545.21},{"sentences":[{"text":"Go through this document thoroughly, but you've explained it well.","start":1545.21,"end":1548.4299,"sentiment":"neutral","sentiment_score":0.04846554324030876}],"sentiment":"neutral","sentiment_score":0.04846554324030876,"channel":1,"num_words":10,"start":1545.21,"end":1548.4299},{"sentences":[{"text":"Okay.","start":1549.215,"end":1549.715,"sentiment":"neutral","sentiment_score":0.01192665845155716},{"text":"So, yeah, I just wanted to make sure that, like, with the insurance, there is definitely gonna be a shortfall in your needs.","start":1549.935,"end":1556.655,"sentiment":"neutral","sentiment_score":-0.20437264329065447},{"text":"Like, you're not gonna be fully insured at this point in time with what you need.","start":1556.655,"end":1561.25,"sentiment":"neutral","sentiment_score":-0.216064658947289}],"sentiment":"neutral","sentiment_score":-0.20364196700975298,"channel":0,"num_words":40,"start":1549.215,"end":1561.25},{"sentences":[{"text":"Yep.","start":1562.015,"end":1562.515,"sentiment":"neutral","sentiment_score":-0.042477287352085114}],"sentiment":"neutral","sentiment_score":-0.042477287352085114,"channel":1,"num_words":1,"start":1562.015,"end":1562.515},{"sentences":[{"text":"We we are restricted, unfortunately, due to the insurance companies, but what we've tried to do is get as much cover as possible without impacting your superannuation balance as much as possible.","start":1562.75,"end":1576.605,"sentiment":"neutral","sentiment_score":-0.13682939438149333},{"text":"So have a read through it, and, yeah, it's it's all in there for you to ex...","start":1576.905,"end":1583.385,"sentiment":"neutral","sentiment_score":0.01750228280091987},{"text":"For you to understand and make a dis...","start":1583.385,"end":1586.025,"sentiment":"neutral","sentiment_score":-0.036329230992123485},{"text":"An informed decision on that.","start":1586.025,"end":1587.805,"sentiment":"neutral","sentiment_score":0.0442610077559948}],"sentiment":"neutral","sentiment_score":-0.06694081647982521,"channel":0,"num_words":62,"start":1562.75,"end":1587.805},{"sentences":[{"text":"Okay.","start":1588.085,"end":1588.485,"sentiment":"neutral","sentiment_score":0.26210057735443115},{"text":"Okay.","start":1588.485,"end":1588.985,"sentiment":"positive","sentiment_score":0.3371991813182831},{"text":"All good.","start":1589.205,"end":1590.0249,"sentiment":"positive","sentiment_score":0.5101304352283478}],"sentiment":"positive","sentiment_score":0.40489015728235245,"channel":1,"num_words":4,"start":1588.085,"end":1590.0249},{"sentences":[{"text":"The next part is just establishing a beneficiary nomination.","start":1592.9501,"end":1597.13,"sentiment":"neutral","sentiment_score":0.20621219111813438},{"text":"So within Hub, make a non lapsing beneficiary nomination to your daughter.","start":1597.51,"end":1603.37,"sentiment":"neutral","sentiment_score":0.16833756615718207},{"text":"I've included some information in here about minor beneficiary death benefit considerations.","start":1605.185,"end":1612.245,"sentiment":"neutral","sentiment_score":0.09127403143793344}],"sentiment":"neutral","sentiment_score":0.15064390579407866,"channel":0,"num_words":33,"start":1592.9501,"end":1612.245},{"sentences":[{"text":"Mhmm.","start":1613.085,"end":1613.325,"sentiment":"neutral","sentiment_score":0.04151575639843941}],"sentiment":"neutral","sentiment_score":0.04151575639843941,"channel":1,"num_words":1,"start":1613.085,"end":1613.325},{"sentences":[{"text":"So","start":1613.185,"end":1613.425,"sentiment":"neutral","sentiment_score":0.048050060868263245}],"sentiment":"neutral","sentiment_score":0.048050060868263245,"channel":0,"num_words":1,"start":1613.185,"end":1613.425},{"sentences":[{"text":"Yeah.","start":1613.325,"end":1613.645,"sentiment":"neutral","sentiment_score":0.058920931071043015}],"sentiment":"neutral","sentiment_score":0.058920931071043015,"channel":1,"num_words":1,"start":1613.325,"end":1613.645},{"sentences":[{"text":"have","start":1613.425,"end":1613.665,"sentiment":"neutral","sentiment_score":0.04569019004702568}],"sentiment":"neutral","sentiment_score":0.04569019004702568,"channel":0,"num_words":1,"start":1613.425,"end":1613.665},{"sentences":[{"text":"I","start":1613.645,"end":1613.725,"sentiment":"neutral","sentiment_score":0.04738764464855194}],"sentiment":"neutral","sentiment_score":0.04738764464855194,"channel":1,"num_words":1,"start":1613.645,"end":1613.725},{"sentences":[{"text":"a","start":1613.665,"end":1613.8251,"sentiment":"neutral","sentiment_score":0.04273077845573425}],"sentiment":"neutral","sentiment_score":0.04273077845573425,"channel":0,"num_words":1,"start":1613.665,"end":1613.8251},{"sentences":[{"text":"can","start":1613.725,"end":1613.965,"sentiment":"neutral","sentiment_score":0.03631205856800079}],"sentiment":"neutral","sentiment_score":0.03631205856800079,"channel":1,"num_words":1,"start":1613.725,"end":1613.965},{"sentences":[{"text":"read","start":1613.8251,"end":1614.0651,"sentiment":"neutral","sentiment_score":0.017136739566922188}],"sentiment":"neutral","sentiment_score":0.017136739566922188,"channel":0,"num_words":1,"start":1613.8251,"end":1614.0651},{"sentences":[{"text":"see","start":1613.965,"end":1614.445,"sentiment":"neutral","sentiment_score":0.015228893607854843}],"sentiment":"neutral","sentiment_score":0.015228893607854843,"channel":1,"num_words":1,"start":1613.965,"end":1614.445},{"sentences":[{"text":"through those.","start":1614.0651,"end":1614.885,"sentiment":"neutral","sentiment_score":0.01904468424618244}],"sentiment":"neutral","sentiment_score":0.01904468424618244,"channel":0,"num_words":2,"start":1614.0651,"end":1614.885},{"sentences":[{"text":"the...","start":1614.445,"end":1614.945,"sentiment":"neutral","sentiment_score":0.01306097861379385},{"text":"Yep.","start":1615.725,"end":1616.19,"sentiment":"neutral","sentiment_score":0.06432691216468811}],"sentiment":"neutral","sentiment_score":0.03869394538924098,"channel":1,"num_words":2,"start":1614.445,"end":1616.19},{"sentences":[{"text":"Yep.","start":1616.0651,"end":1616.5651,"sentiment":"neutral","sentiment_score":0.10476692020893096},{"text":"Just to make sure that you're happy with that, if any further considerations need to be made about estate planning and how that will work with your estate planning.","start":1617.47,"end":1629.25,"sentiment":"neutral","sentiment_score":0.19072402885247922}],"sentiment":"neutral","sentiment_score":0.18785879189769428,"channel":0,"num_words":30,"start":1616.0651,"end":1629.25},{"sentences":[{"text":"Yep.","start":1629.95,"end":1630.45,"sentiment":"neutral","sentiment_score":0.08310504257678986}],"sentiment":"neutral","sentiment_score":0.08310504257678986,"channel":1,"num_words":1,"start":1629.95,"end":1630.45},{"sentences":[{"text":"And, additionally, the next the next two are for you to establish a will and power of attorney.","start":1631.325,"end":1638.225,"sentiment":"neutral","sentiment_score":0.04848117888387707}],"sentiment":"neutral","sentiment_score":0.04848117888387707,"channel":0,"num_words":18,"start":1631.325,"end":1638.225},{"sentences":[{"text":"Okay.","start":1639.435,"end":1639.935,"sentiment":"neutral","sentiment_score":0.010495210997760296}],"sentiment":"neutral","sentiment_score":0.010495210997760296,"channel":1,"num_words":1,"start":1639.435,"end":1639.935},{"sentences":[{"text":"Obviously, not having those in place means","start":1642.365,"end":1645.78,"sentiment":"neutral","sentiment_score":-0.06334814429283142}],"sentiment":"neutral","sentiment_score":-0.06334814429283142,"channel":0,"num_words":7,"start":1642.365,"end":1645.78},{"sentences":[{"text":"Mhmm.","start":1645.71,"end":1646.21,"sentiment":"neutral","sentiment_score":-0.07420472055673599}],"sentiment":"neutral","sentiment_score":-0.07420472055673599,"channel":1,"num_words":1,"start":1645.71,"end":1646.21},{"sentences":[{"text":"that you're in and out from a will perspective that your wishes may not be","start":1645.78,"end":1652.36,"sentiment":"neutral","sentiment_score":-0.06642871846755345}],"sentiment":"neutral","sentiment_score":-0.06642871846755345,"channel":0,"num_words":15,"start":1645.78,"end":1652.36},{"sentences":[{"text":"Yeah.","start":1653.5625,"end":1654.0625,"sentiment":"neutral","sentiment_score":-0.03157753869891167}],"sentiment":"neutral","sentiment_score":-0.03157753869891167,"channel":1,"num_words":1,"start":1653.5625,"end":1654.0625},{"sentences":[{"text":"addressed as it would fall under a public trustee likely to make those decisions for you.","start":1653.7001,"end":1660.12,"sentiment":"neutral","sentiment_score":-0.022618336020968854},{"text":"And with the power of attorney, if anything was to happen to you while you're alive and you're unable to make decisions, there's no one nominated to do that on your behalf.","start":1661.445,"end":1671.065,"sentiment":"neutral","sentiment_score":-0.012671080330619588}],"sentiment":"neutral","sentiment_score":-0.015986832227402676,"channel":0,"num_words":48,"start":1653.7001,"end":1671.065},{"sentences":[{"text":"Okay.","start":1671.735,"end":1672.235,"sentiment":"neutral","sentiment_score":0.05875435844063759}],"sentiment":"neutral","sentiment_score":0.05875435844063759,"channel":1,"num_words":1,"start":1671.735,"end":1672.235},{"sentences":[{"text":"The next section is our ongoing services.","start":1674.23,"end":1676.6499,"sentiment":"neutral","sentiment_score":0.07491026978407588},{"text":"So it does explain to you what your fees cover.","start":1677.0299,"end":1681.45,"sentiment":"neutral","sentiment_score":0.10475769266486168},{"text":"Again, the recommendation, the implementation of it, your regular reviews, and depending on the frequency of whether you want them to be annually or biannually.","start":1682.5499,"end":1694.205,"sentiment":"neutral","sentiment_score":0.09308669403195381},{"text":"And also as your situation changes, it is","start":1696.425,"end":1700.82,"sentiment":"neutral","sentiment_score":0.09725237265229225}],"sentiment":"neutral","sentiment_score":0.09354270294308663,"channel":0,"num_words":50,"start":1674.23,"end":1700.82},{"sentences":[{"text":"Mhmm.","start":1700.925,"end":1701.425,"sentiment":"neutral","sentiment_score":0.09498237818479538}],"sentiment":"neutral","sentiment_score":0.09498237818479538,"channel":1,"num_words":1,"start":1700.925,"end":1701.425},{"sentences":[{"text":"we're here for anything for you to contact us and reach out.","start":1701.7,"end":1704.8999,"sentiment":"neutral","sentiment_score":0.15428484107057253},{"text":"So we're we're","start":1704.8999,"end":1706.2599,"sentiment":"neutral","sentiment_score":0.1491052210330963}],"sentiment":"neutral","sentiment_score":0.15324891706307728,"channel":0,"num_words":15,"start":1701.7,"end":1706.2599},{"sentences":[{"text":"Yes.","start":1706.0801,"end":1706.5801,"sentiment":"neutral","sentiment_score":0.15776246786117554}],"sentiment":"neutral","sentiment_score":0.15776246786117554,"channel":1,"num_words":1,"start":1706.0801,"end":1706.5801},{"sentences":[{"text":"abreast of what's going on.","start":1706.2599,"end":1707.7799,"sentiment":"neutral","sentiment_score":0.1931733876466751},{"text":"And if there's any changes that you need made, we can action those for you.","start":1707.7799,"end":1712.1799,"sentiment":"neutral","sentiment_score":0.15823965122302372},{"text":"So you're not","start":1712.1799,"end":1712.74,"sentiment":"neutral","sentiment_score":0.0774814561009407}],"sentiment":"neutral","sentiment_score":0.15530026412528494,"channel":0,"num_words":23,"start":1706.2599,"end":1712.74},{"sentences":[{"text":"Okay.","start":1712.7201,"end":1713.2201,"sentiment":"neutral","sentiment_score":0.007080458104610443}],"sentiment":"neutral","sentiment_score":0.007080458104610443,"channel":1,"num_words":1,"start":1712.7201,"end":1713.2201},{"sentences":[{"text":"limited...","start":1712.74,"end":1713.24,"sentiment":"neutral","sentiment_score":-0.0038329195231199265},{"text":"Basically, what I'm saying is is you're not limited to just your reviews.","start":1713.2999,"end":1716.495,"sentiment":"neutral","sentiment_score":0.03355882803981121}],"sentiment":"neutral","sentiment_score":0.03088798892817327,"channel":0,"num_words":14,"start":1712.74,"end":1716.495},{"sentences":[{"text":"Okay.","start":1717.28,"end":1717.78,"sentiment":"neutral","sentiment_score":0.26611757278442383},{"text":"That's good.","start":1717.8401,"end":1718.3201,"sentiment":"positive","sentiment_score":0.445486456155777},{"text":"Yeah.","start":1718.3201,"end":1718.4801,"sentiment":"positive","sentiment_score":0.38212698698043823},{"text":"That's that's good to know.","start":1718.4801,"end":1719.9401,"sentiment":"positive","sentiment_score":0.49941194653511045}],"sentiment":"positive","sentiment_score":0.44847524497244096,"channel":1,"num_words":9,"start":1717.28,"end":1719.9401},{"sentences":[{"text":"Yeah.","start":1720.575,"end":1721.055,"sentiment":"neutral","sentiment_score":0.26294803619384766},{"text":"Yeah.","start":1721.055,"end":1721.555,"sentiment":"neutral","sentiment_score":0.21259862184524536},{"text":"The next couple of pages is just important information.","start":1722.895,"end":1725.795,"sentiment":"neutral","sentiment_score":0.12300342652532789},{"text":"So the next step is you read through this and make an informed decision.","start":1726.335,"end":1731.37,"sentiment":"neutral","sentiment_score":0.22285922936030797},{"text":"If we need to have another meeting after you've had to read through it to go through any questions, absolutely","start":1731.37,"end":1736.3501,"sentiment":"neutral","sentiment_score":0.18408231064677238}],"sentiment":"neutral","sentiment_score":0.18631673157215117,"channel":0,"num_words":45,"start":1720.575,"end":1736.3501},{"sentences":[{"text":"Okay.","start":1736.24,"end":1736.74,"sentiment":"positive","sentiment_score":0.45145928859710693}],"sentiment":"positive","sentiment_score":0.45145928859710693,"channel":1,"num_words":1,"start":1736.24,"end":1736.74},{"sentences":[{"text":"fine.","start":1736.49,"end":1736.99,"sentiment":"positive","sentiment_score":0.4977380633354187}],"sentiment":"positive","sentiment_score":0.4977380633354187,"channel":0,"num_words":1,"start":1736.49,"end":1736.99},{"sentences":[{"text":"Yep.","start":1737.6,"end":1738.1,"sentiment":"positive","sentiment_score":0.4517636001110077}],"sentiment":"positive","sentiment_score":0.4517636001110077,"channel":1,"num_words":1,"start":1737.6,"end":1738.1},{"sentences":[{"text":"Approved product list is we've got an open APL, which means we can invest and recommend in whatever is approved by our licensee.","start":1738.89,"end":1749.755,"sentiment":"positive","sentiment_score":0.3527085949545321},{"text":"Product","start":1751.255,"end":1751.655,"sentiment":"neutral","sentiment_score":0.0915597677230835}],"sentiment":"positive","sentiment_score":0.3418273938198884,"channel":0,"num_words":24,"start":1738.89,"end":1751.655},{"sentences":[{"text":"Yep.","start":1751.295,"end":1751.795,"sentiment":"neutral","sentiment_score":0.09857934713363647}],"sentiment":"neutral","sentiment_score":0.09857934713363647,"channel":1,"num_words":1,"start":1751.295,"end":1751.795},{"sentences":[{"text":"disclosure statements, product disclosure information, which they're all attached to the email that you received as well.","start":1751.655,"end":1758.63,"sentiment":"neutral","sentiment_score":0.1343129275037962}],"sentiment":"neutral","sentiment_score":0.1343129275037962,"channel":0,"num_words":17,"start":1751.655,"end":1758.63},{"sentences":[{"text":"Mhmm.","start":1759.295,"end":1759.795,"sentiment":"neutral","sentiment_score":0.03869922459125519}],"sentiment":"neutral","sentiment_score":0.03869922459125519,"channel":1,"num_words":1,"start":1759.295,"end":1759.795},{"sentences":[{"text":"And then the next section is the fees.","start":1760.2101,"end":1761.9701,"sentiment":"neutral","sentiment_score":0.02926589618436992},{"text":"So this section is a clear outline of the fees being paid.","start":1761.9701,"end":1767.67,"sentiment":"neutral","sentiment_score":0.05972414929419756},{"text":"So to implement this plan, the fee you can...","start":1768.165,"end":1771.685,"sentiment":"neutral","sentiment_score":0.03628611957861318},{"text":"You will incur is $1,825 from us, and we can...","start":1771.685,"end":1776.885,"sentiment":"neutral","sentiment_score":-0.05012308806180954},{"text":"We will deduct that from your superannuation fund.","start":1776.885,"end":1779.785,"sentiment":"neutral","sentiment_score":-0.06603116961196065}],"sentiment":"neutral","sentiment_score":0.005274719142533363,"channel":0,"num_words":47,"start":1760.2101,"end":1779.785},{"sentences":[{"text":"Mhmm.","start":1780.235,"end":1780.735,"sentiment":"neutral","sentiment_score":0.011981419287621977}],"sentiment":"neutral","sentiment_score":0.011981419287621977,"channel":1,"num_words":1,"start":1780.235,"end":1780.735},{"sentences":[{"text":"And then the ongoing fee is set at 1.65% of your super balance.","start":1780.5801,"end":1786.02,"sentiment":"neutral","sentiment_score":0.019437126242197476},{"text":"So annually, it is set for the next twelve months to be $979, and each","start":1786.02,"end":1791.7001,"sentiment":"neutral","sentiment_score":0.022106500590840975}],"sentiment":"neutral","sentiment_score":0.020867148214685067,"channel":0,"num_words":28,"start":1780.5801,"end":1791.7001},{"sentences":[{"text":"Okay.","start":1791.595,"end":1792.095,"sentiment":"neutral","sentiment_score":0.02058788202702999}],"sentiment":"neutral","sentiment_score":0.02058788202702999,"channel":1,"num_words":1,"start":1791.595,"end":1792.095},{"sentences":[{"text":"twelve months that is then reviewed and reset.","start":1791.7001,"end":1795.225,"sentiment":"neutral","sentiment_score":0.026796781225129962},{"text":"You sign off on a piece of paper confirming that you wanna continue, so it doesn't automatically roll over.","start":1795.225,"end":1801.725,"sentiment":"neutral","sentiment_score":0.025650320280539363}],"sentiment":"neutral","sentiment_score":0.02599001241226991,"channel":0,"num_words":27,"start":1791.7001,"end":1801.725},{"sentences":[{"text":"Okay.","start":1804.3401,"end":1804.8401,"sentiment":"neutral","sentiment_score":0.05197129398584366},{"text":"Alrighty.","start":1805.3,"end":1805.8,"sentiment":"neutral","sentiment_score":0.07949314266443253}],"sentiment":"neutral","sentiment_score":0.06573221832513809,"channel":1,"num_words":2,"start":1804.3401,"end":1805.8},{"sentences":[{"text":"Yeah.","start":1806.825,"end":1807.325,"sentiment":"neutral","sentiment_score":0.05170025676488876},{"text":"Following that is a a outline of our...","start":1808.13,"end":1811.91,"sentiment":"neutral","sentiment_score":0.040474278619512916},{"text":"Just a summary again of the costs and,","start":1812.37,"end":1815.59,"sentiment":"neutral","sentiment_score":0.049686226062476635}],"sentiment":"neutral","sentiment_score":0.04546966436592972,"channel":0,"num_words":17,"start":1806.825,"end":1815.59},{"sentences":[{"text":"Mhmm.","start":1815.3151,"end":1815.8151,"sentiment":"neutral","sentiment_score":0.06610874831676483}],"sentiment":"neutral","sentiment_score":0.06610874831676483,"channel":1,"num_words":1,"start":1815.3151,"end":1815.8151},{"sentences":[{"text":"additionally, how to implement our advice.","start":1815.81,"end":1818.05,"sentiment":"neutral","sentiment_score":0.10466993227601051},{"text":"So it's a step by step process of all the things that need to be done.","start":1818.05,"end":1821.75,"sentiment":"neutral","sentiment_score":0.15512347174808383}],"sentiment":"neutral","sentiment_score":0.14136341552842746,"channel":0,"num_words":22,"start":1815.81,"end":1821.75},{"sentences":[{"text":"Okay.","start":1822.88,"end":1823.38,"sentiment":"neutral","sentiment_score":0.09420745074748992}],"sentiment":"neutral","sentiment_score":0.09420745074748992,"channel":1,"num_words":1,"start":1822.88,"end":1823.38},{"sentences":[{"text":"The last page requires your signature.","start":1822.925,"end":1827.245,"sentiment":"neutral","sentiment_score":0.08968886857231458},{"text":"So when you've read it, you've asked any questions, you're happy, whatever it is that you decide to do, you","start":1827.245,"end":1833.485,"sentiment":"neutral","sentiment_score":0.26759336292743685}],"sentiment":"neutral","sentiment_score":0.22653847961471632,"channel":0,"num_words":26,"start":1822.925,"end":1833.485},{"sentences":[{"text":"Mhmm.","start":1833.355,"end":1833.855,"sentiment":"neutral","sentiment_score":0.13838917016983032}],"sentiment":"neutral","sentiment_score":0.13838917016983032,"channel":1,"num_words":1,"start":1833.355,"end":1833.855},{"sentences":[{"text":"would sign that page and date it, and you'll note that there's a spare box above.","start":1833.485,"end":1838.32,"sentiment":"neutral","sentiment_score":0.08341586985625327},{"text":"If there","start":1838.78,"end":1839.18,"sentiment":"neutral","sentiment_score":0.016770350746810436}],"sentiment":"neutral","sentiment_score":0.07601081217742628,"channel":0,"num_words":18,"start":1833.485,"end":1839.18},{"sentences":[{"text":"Yes.","start":1838.955,"end":1839.355,"sentiment":"neutral","sentiment_score":0.016653787344694138}],"sentiment":"neutral","sentiment_score":0.016653787344694138,"channel":1,"num_words":1,"start":1838.955,"end":1839.355},{"sentences":[{"text":"was","start":1839.18,"end":1839.42,"sentiment":"neutral","sentiment_score":0.00940302200615406}],"sentiment":"neutral","sentiment_score":0.00940302200615406,"channel":0,"num_words":1,"start":1839.18,"end":1839.42},{"sentences":[{"text":"Sandwich.","start":1839.355,"end":1839.855,"sentiment":"neutral","sentiment_score":0.010202879086136818}],"sentiment":"neutral","sentiment_score":0.010202879086136818,"channel":1,"num_words":1,"start":1839.355,"end":1839.855},{"sentences":[{"text":"an air...","start":1839.42,"end":1840.06,"sentiment":"neutral","sentiment_score":-0.000647583045065403},{"text":"If there was something you did not wish to proceed with, that's where you'd type it.","start":1840.06,"end":1843.98,"sentiment":"neutral","sentiment_score":-0.08997184480540454},{"text":"So, for example, if you decided you didn't want to nominate your daughter as your beneficiary, you wanted it to pay your estate instead, that's where you'd type","start":1843.98,"end":1854.245,"sentiment":"neutral","sentiment_score":-0.003913284154675368}],"sentiment":"neutral","sentiment_score":-0.033704709550163345,"channel":0,"num_words":46,"start":1839.42,"end":1854.245},{"sentences":[{"text":"Yep.","start":1854.02,"end":1854.52,"sentiment":"neutral","sentiment_score":0.004091819282621145}],"sentiment":"neutral","sentiment_score":0.004091819282621145,"channel":1,"num_words":1,"start":1854.02,"end":1854.52},{"sentences":[{"text":"it.","start":1854.245,"end":1854.565,"sentiment":"neutral","sentiment_score":-0.011702129617333412},{"text":"So any changes to the advice.","start":1854.565,"end":1856.505,"sentiment":"neutral","sentiment_score":-0.004980435284475486}],"sentiment":"neutral","sentiment_score":-0.005940677332026618,"channel":0,"num_words":7,"start":1854.245,"end":1856.505},{"sentences":[{"text":"Okay.","start":1857.54,"end":1858.04,"sentiment":"neutral","sentiment_score":0.03382803499698639}],"sentiment":"neutral","sentiment_score":0.03382803499698639,"channel":1,"num_words":1,"start":1857.54,"end":1858.04},{"sentences":[{"text":"And the last...","start":1857.765,"end":1858.505,"sentiment":"neutral","sentiment_score":0.019871172805627186}],"sentiment":"neutral","sentiment_score":0.019871172805627186,"channel":0,"num_words":3,"start":1857.765,"end":1858.505},{"sentences":[{"text":"No worries.","start":1858.18,"end":1858.92,"sentiment":"neutral","sentiment_score":0.07441261038184166}],"sentiment":"neutral","sentiment_score":0.07441261038184166,"channel":1,"num_words":2,"start":1858.18,"end":1858.92},{"sentences":[{"text":"Yeah.","start":1859.765,"end":1860.005,"sentiment":"neutral","sentiment_score":0.11358440667390823},{"text":"And the last page is my advice declaration.","start":1860.005,"end":1862.6649,"sentiment":"neutral","sentiment_score":0.11783409304916859},{"text":"So just explaining that it's accurate.","start":1862.725,"end":1866.9049,"sentiment":"neutral","sentiment_score":0.18800289432207742},{"text":"I am authorized, all those sorts","start":1868.29,"end":1871.49,"sentiment":"neutral","sentiment_score":0.1206092710296313}],"sentiment":"neutral","sentiment_score":0.13847286396083378,"channel":0,"num_words":21,"start":1859.765,"end":1871.49},{"sentences":[{"text":"Of course.","start":1871.285,"end":1871.9451,"sentiment":"neutral","sentiment_score":0.04670180007815361}],"sentiment":"neutral","sentiment_score":0.04670180007815361,"channel":1,"num_words":2,"start":1871.285,"end":1871.9451},{"sentences":[{"text":"of things.","start":1871.49,"end":1872.15,"sentiment":"neutral","sentiment_score":0.022299161180853844}],"sentiment":"neutral","sentiment_score":0.022299161180853844,"channel":0,"num_words":2,"start":1871.49,"end":1872.15},{"sentences":[{"text":"Yeah.","start":1872.405,"end":1872.885,"sentiment":"neutral","sentiment_score":0.04284806549549103},{"text":"Okay.","start":1872.885,"end":1873.385,"sentiment":"neutral","sentiment_score":0.03003532439470291}],"sentiment":"neutral","sentiment_score":0.03644169494509697,"channel":1,"num_words":2,"start":1872.405,"end":1873.385},{"sentences":[{"text":"And the last","start":1874.53,"end":1875.25,"sentiment":"neutral","sentiment_score":0.021808598190546036}],"sentiment":"neutral","sentiment_score":0.021808598190546036,"channel":0,"num_words":3,"start":1874.53,"end":1875.25},{"sentences":[{"text":"Alrighty.","start":1875.2051,"end":1875.7051,"sentiment":"neutral","sentiment_score":0.018141958862543103}],"sentiment":"neutral","sentiment_score":0.018141958862543103,"channel":1,"num_words":1,"start":1875.2051,"end":1875.7051},{"sentences":[{"text":"document that I...","start":1875.25,"end":1876.39,"sentiment":"neutral","sentiment_score":0.0056409689132124186}],"sentiment":"neutral","sentiment_score":0.0056409689132124186,"channel":0,"num_words":3,"start":1875.25,"end":1876.39},{"sentences":[{"text":"Mhmm.","start":1877.045,"end":1877.545,"sentiment":"neutral","sentiment_score":-0.01681162230670452}],"sentiment":"neutral","sentiment_score":-0.01681162230670452,"channel":1,"num_words":1,"start":1877.045,"end":1877.545},{"sentences":[{"text":"Sorry?","start":1877.25,"end":1877.75,"sentiment":"neutral","sentiment_score":-0.12682987749576569}],"sentiment":"neutral","sentiment_score":-0.12682987749576569,"channel":0,"num_words":1,"start":1877.25,"end":1877.75},{"sentences":[{"text":"Sorry.","start":1877.765,"end":1878.265,"sentiment":"neutral","sentiment_score":-0.2277097851037979},{"text":"No.","start":1878.76,"end":1879.08,"sentiment":"neutral","sentiment_score":-0.23291200399398804},{"text":"Oh, good.","start":1879.08,"end":1879.4,"sentiment":"neutral","sentiment_score":0.10024009644985199},{"text":"Sorry.","start":1879.4,"end":1879.7999,"sentiment":"neutral","sentiment_score":-0.014664597809314728},{"text":"Mhmm.","start":1879.7999,"end":1880.2999,"sentiment":"neutral","sentiment_score":0.04497873783111572}],"sentiment":"neutral","sentiment_score":-0.038304576029380165,"channel":1,"num_words":6,"start":1877.765,"end":1880.2999},{"sentences":[{"text":"The last one is just the appendix to the statement of advice.","start":1881.195,"end":1884.1549,"sentiment":"neutral","sentiment_score":0.055256158423920475},{"text":"So just to run over this one quickly, table of contents.","start":1884.1549,"end":1888.575,"sentiment":"neutral","sentiment_score":0.08515203676440498},{"text":"The first the first page is the risk profile, so it shows the different types of risk profiles that we act by.","start":1888.7949,"end":1896.12,"sentiment":"neutral","sentiment_score":0.06589089672673833},{"text":"So you'll see your high growth one is there on the second last left hand side...","start":1896.12,"end":1901.8,"sentiment":"neutral","sentiment_score":0.08628134848549962},{"text":"Right hand side of the column,","start":1901.8,"end":1903.18,"sentiment":"neutral","sentiment_score":0.039978908374905586}],"sentiment":"neutral","sentiment_score":0.06969732924628613,"channel":0,"num_words":67,"start":1881.195,"end":1903.18},{"sentences":[{"text":"Mhmm.","start":1904.0549,"end":1904.5549,"sentiment":"neutral","sentiment_score":0.03850752115249634}],"sentiment":"neutral","sentiment_score":0.03850752115249634,"channel":1,"num_words":1,"start":1904.0549,"end":1904.5549},{"sentences":[{"text":"and then important relationships and information.","start":1905.64,"end":1908.38,"sentiment":"neutral","sentiment_score":0.08126154666145642},{"text":"So probably one of the the most important sections of this is the currency of the SOA.","start":1908.4401,"end":1914.375,"sentiment":"neutral","sentiment_score":0.11782244899693657},{"text":"So we need you to sign it if you wish to proceed within sixty days","start":1914.4349,"end":1918.9349,"sentiment":"neutral","sentiment_score":0.04973603437344233}],"sentiment":"neutral","sentiment_score":0.0851734586452183,"channel":0,"num_words":38,"start":1905.64,"end":1918.9349},{"sentences":[{"text":"Okay.","start":1919.63,"end":1920.13,"sentiment":"neutral","sentiment_score":0.007394912652671337}],"sentiment":"neutral","sentiment_score":0.007394912652671337,"channel":1,"num_words":1,"start":1919.63,"end":1920.13},{"sentences":[{"text":"as...","start":1919.715,"end":1920.215,"sentiment":"neutral","sentiment_score":-0.005116262007504702},{"text":"The reason being is people's situations can change in that time frame.","start":1920.995,"end":1924.915,"sentiment":"neutral","sentiment_score":-0.1358354048182567},{"text":"So","start":1924.915,"end":1925.415,"sentiment":"neutral","sentiment_score":-0.1009683907032013}],"sentiment":"neutral","sentiment_score":-0.12400782218069903,"channel":0,"num_words":14,"start":1919.715,"end":1925.415},{"sentences":[{"text":"Of course.","start":1925.815,"end":1926.375,"sentiment":"neutral","sentiment_score":-0.0979539267718792},{"text":"Yeah.","start":1926.375,"end":1926.875,"sentiment":"neutral","sentiment_score":-0.0972122848033905}],"sentiment":"neutral","sentiment_score":-0.09770671278238297,"channel":1,"num_words":3,"start":1925.815,"end":1926.875},{"sentences":[{"text":"after sixty days, we just need to redo the process again.","start":1926.45,"end":1930.07,"sentiment":"neutral","sentiment_score":-0.11260376159440387}],"sentiment":"neutral","sentiment_score":-0.11260376159440387,"channel":0,"num_words":11,"start":1926.45,"end":1930.07},{"sentences":[{"text":"Yeah.","start":1930.855,"end":1931.095,"sentiment":"neutral","sentiment_score":-0.02759714797139168},{"text":"Okay.","start":1931.095,"end":1931.595,"sentiment":"neutral","sentiment_score":-0.02179035358130932}],"sentiment":"neutral","sentiment_score":-0.024693750776350498,"channel":1,"num_words":2,"start":1930.855,"end":1931.595},{"sentences":[{"text":"There's","start":1931.57,"end":1932.07,"sentiment":"neutral","sentiment_score":-0.08783530443906784}],"sentiment":"neutral","sentiment_score":-0.08783530443906784,"channel":0,"num_words":1,"start":1931.57,"end":1932.07},{"sentences":[{"text":"No.","start":1931.6549,"end":1931.8949,"sentiment":"neutral","sentiment_score":-0.207991361618042},{"text":"Understandable.","start":1931.8949,"end":1932.3949,"sentiment":"neutral","sentiment_score":-0.20737454295158383}],"sentiment":"neutral","sentiment_score":-0.20768295228481293,"channel":1,"num_words":2,"start":1931.6549,"end":1932.3949},{"sentences":[{"text":"there's...","start":1932.37,"end":1932.87,"sentiment":"neutral","sentiment_score":-0.12774594128131866},{"text":"Yep.","start":1933.65,"end":1934.15,"sentiment":"neutral","sentiment_score":-0.0403958261013031},{"text":"There's no product guarantee, so we obviously can't, you know, say it's gonna be great forever.","start":1934.29,"end":1940.605,"sentiment":"neutral","sentiment_score":-0.21458932757377625},{"text":"But that's the purpose of our reviews where we review regularly, make changes where required.","start":1941.865,"end":1948.5249,"sentiment":"neutral","sentiment_score":-0.028722613801558813}],"sentiment":"neutral","sentiment_score":-0.12219424895716435,"channel":0,"num_words":33,"start":1932.37,"end":1948.5249},{"sentences":[{"text":"Okay.","start":1949.7949,"end":1950.2949,"sentiment":"positive","sentiment_score":0.3463713526725769},{"text":"Sounds good.","start":1950.4349,"end":1951.335,"sentiment":"positive","sentiment_score":0.48369383811950684}],"sentiment":"positive","sentiment_score":0.4379196763038635,"channel":1,"num_words":3,"start":1949.7949,"end":1951.335},{"sentences":[{"text":"There's also investment links to the recommended investment options.","start":1952.745,"end":1957.14,"sentiment":"neutral","sentiment_score":0.1527988687157631},{"text":"So if you","start":1957.28,"end":1958.0,"sentiment":"neutral","sentiment_score":0.08185262233018875}],"sentiment":"neutral","sentiment_score":0.1350623071193695,"channel":0,"num_words":12,"start":1952.745,"end":1958.0},{"sentences":[{"text":"Mhmm.","start":1957.955,"end":1958.455,"sentiment":"neutral","sentiment_score":0.02491072006523609}],"sentiment":"neutral","sentiment_score":0.02491072006523609,"channel":1,"num_words":1,"start":1957.955,"end":1958.455},{"sentences":[{"text":"have trouble sleeping, have a rate of those.","start":1958.0,"end":1960.5801,"sentiment":"neutral","sentiment_score":-0.003056604415178299},{"text":"And then and then we've had...","start":1961.2001,"end":1964.64,"sentiment":"neutral","sentiment_score":0.017214248965804774},{"text":"We've completed a like for like for you.","start":1964.64,"end":1966.4801,"sentiment":"neutral","sentiment_score":0.13132148794829845},{"text":"So if you stay with HESTA and go for a high growth option","start":1966.4801,"end":1969.54,"sentiment":"neutral","sentiment_score":0.14950554015544745}],"sentiment":"neutral","sentiment_score":0.08779933097373162,"channel":0,"num_words":35,"start":1958.0,"end":1969.54},{"sentences":[{"text":"Yep.","start":1970.23,"end":1970.73,"sentiment":"neutral","sentiment_score":0.1315375566482544}],"sentiment":"neutral","sentiment_score":0.1315375566482544,"channel":1,"num_words":1,"start":1970.23,"end":1970.73},{"sentences":[{"text":"versus the recommended hub 24, what I've recommended high growth option, it just gives you the difference there.","start":1970.595,"end":1976.755,"sentiment":"neutral","sentiment_score":0.1043919279343552},{"text":"So, again, it's still gonna cost you more in fees because of our advice fee, but it does tell you the difference.","start":1976.755,"end":1987.6,"sentiment":"neutral","sentiment_score":0.009928613223812797},{"text":"So lump sum difference in five years would be 5,000, and then in in ten years, 21,000 with rough figures.","start":1987.6,"end":1996.5,"sentiment":"neutral","sentiment_score":0.059912722744047645}],"sentiment":"neutral","sentiment_score":0.0549289774770538,"channel":0,"num_words":60,"start":1970.595,"end":1996.5},{"sentences":[{"text":"Alright.","start":1998.0,"end":1998.5,"sentiment":"neutral","sentiment_score":0.0986817702651024}],"sentiment":"neutral","sentiment_score":0.0986817702651024,"channel":1,"num_words":1,"start":1998.0,"end":1998.5},{"sentences":[{"text":"The last two pages, sorry, it it just explains the investment return methodology, how that's calculated, and then life and...","start":1998.245,"end":2007.765,"sentiment":"neutral","sentiment_score":0.08836766686290502},{"text":"How life insurance through superannuation works.","start":2007.765,"end":2010.485,"sentiment":"neutral","sentiment_score":0.07914403701821963},{"text":"So that's information there for you.","start":2010.485,"end":2012.905,"sentiment":"neutral","sentiment_score":0.19017333537340164}],"sentiment":"neutral","sentiment_score":0.10572679911274463,"channel":0,"num_words":32,"start":1998.245,"end":2012.905},{"sentences":[{"text":"Mhmm.","start":2012.585,"end":2013.085,"sentiment":"neutral","sentiment_score":0.059917788952589035}],"sentiment":"neutral","sentiment_score":0.059917788952589035,"channel":1,"num_words":1,"start":2012.585,"end":2013.085},{"sentences":[{"text":"Any questions?","start":2013.27,"end":2013.93,"sentiment":"neutral","sentiment_score":0.04180240444839001}],"sentiment":"neutral","sentiment_score":0.04180240444839001,"channel":0,"num_words":2,"start":2013.27,"end":2013.93},{"sentences":[{"text":"Okay.","start":2013.625,"end":2014.125,"sentiment":"neutral","sentiment_score":0.021131088957190514},{"text":"No.","start":2016.63,"end":2016.87,"sentiment":"neutral","sentiment_score":-0.12884244322776794},{"text":"That's about it.","start":2016.87,"end":2018.09,"sentiment":"neutral","sentiment_score":-0.09002831081549327},{"text":"Definitely a a lot of information I need to go through and read thoroughly, but thank you so much.","start":2018.87,"end":2022.87,"sentiment":"positive","sentiment_score":0.5883675217628479},{"text":"I'm looking forward to it.","start":2022.87,"end":2024.41,"sentiment":"positive","sentiment_score":0.8635394692420959}],"sentiment":"positive","sentiment_score":0.5213408266547425,"channel":1,"num_words":29,"start":2013.625,"end":2024.41},{"sentences":[{"text":"You are absolutely fine.","start":2025.03,"end":2026.63,"sentiment":"positive","sentiment_score":0.7811022251844406},{"text":"And then also attached to that link, that email that we sent through was the product disclosure statements for","start":2026.63,"end":2033.085,"sentiment":"neutral","sentiment_score":0.15824375144745173}],"sentiment":"neutral","sentiment_score":0.2665669642712759,"channel":0,"num_words":23,"start":2025.03,"end":2033.085},{"sentences":[{"text":"Mhmm.","start":2033.045,"end":2033.545,"sentiment":"neutral","sentiment_score":0.09285170584917068}],"sentiment":"neutral","sentiment_score":0.09285170584917068,"channel":1,"num_words":1,"start":2033.045,"end":2033.545},{"sentences":[{"text":"hub twenty four and the group insurance as well as, again, our FSG.","start":2033.085,"end":2037.345,"sentiment":"neutral","sentiment_score":0.16506580721873504},{"text":"So have a read of the advice.","start":2038.365,"end":2042.4,"sentiment":"neutral","sentiment_score":0.18921588361263275},{"text":"Again, if you have any questions, please reach out.","start":2042.7,"end":2045.6,"sentiment":"neutral","sentiment_score":0.1054005804989073},{"text":"And did you want me to follow you up at any point in time?","start":2046.62,"end":2050.0,"sentiment":"neutral","sentiment_score":0.04910813458263874}],"sentiment":"neutral","sentiment_score":0.11875548343672308,"channel":0,"num_words":43,"start":2033.085,"end":2050.0},{"sentences":[{"text":"Just give me a week.","start":2051.0,"end":2051.8801,"sentiment":"neutral","sentiment_score":-0.028808750957250596},{"text":"I I don't wanna prolong","start":2051.8801,"end":2053.24,"sentiment":"neutral","sentiment_score":-0.1895263373851776}],"sentiment":"neutral","sentiment_score":-0.1091675441712141,"channel":1,"num_words":10,"start":2051.0,"end":2053.24},{"sentences":[{"text":"One","start":2053.02,"end":2053.34,"sentiment":"neutral","sentiment_score":-0.21884611248970032}],"sentiment":"neutral","sentiment_score":-0.21884611248970032,"channel":0,"num_words":1,"start":2053.02,"end":2053.34},{"sentences":[{"text":"the","start":2053.24,"end":2053.48,"sentiment":"neutral","sentiment_score":-0.1262262612581253}],"sentiment":"neutral","sentiment_score":-0.1262262612581253,"channel":1,"num_words":1,"start":2053.24,"end":2053.48},{"sentences":[{"text":"week?","start":2053.34,"end":2053.84,"sentiment":"neutral","sentiment_score":-0.07794547080993652}],"sentiment":"neutral","sentiment_score":-0.07794547080993652,"channel":0,"num_words":1,"start":2053.34,"end":2053.84},{"sentences":[{"text":"process.","start":2053.48,"end":2053.98,"sentiment":"neutral","sentiment_score":-0.05593220517039299},{"text":"Yeah.","start":2054.115,"end":2054.355,"sentiment":"neutral","sentiment_score":0.0551539771258831},{"text":"Please just give me a week, and then, I'll just let you know what my final decision is because I wanna go through it this weekend and read it properly.","start":2054.355,"end":2060.775,"sentiment":"neutral","sentiment_score":0.20391141350070635}],"sentiment":"neutral","sentiment_score":0.19114263053052127,"channel":1,"num_words":32,"start":2053.48,"end":2060.775},{"sentences":[{"text":"Absolutely.","start":2062.035,"end":2062.535,"sentiment":"positive","sentiment_score":0.5273709297180176}],"sentiment":"positive","sentiment_score":0.5273709297180176,"channel":0,"num_words":1,"start":2062.035,"end":2062.535},{"sentences":[{"text":"Absolutely.","start":2062.515,"end":2063.015,"sentiment":"positive","sentiment_score":0.4876233041286469}],"sentiment":"positive","sentiment_score":0.4876233041286469,"channel":1,"num_words":1,"start":2062.515,"end":2063.015},{"sentences":[{"text":"And, again, any questions, please reach out.","start":2062.595,"end":2065.335,"sentiment":"neutral","sentiment_score":0.1775706484913826}],"sentiment":"neutral","sentiment_score":0.1775706484913826,"channel":0,"num_words":7,"start":2062.595,"end":2065.335},{"sentences":[{"text":"Alright.","start":2065.9568,"end":2066.1968,"sentiment":"positive","sentiment_score":0.4014366269111634},{"text":"Thank you so much, Jenna.","start":2066.1968,"end":2067.2368,"sentiment":"positive","sentiment_score":0.7856144905090332},{"text":"I appreciate your time.","start":2067.2368,"end":2068.377,"sentiment":"positive","sentiment_score":0.7498467713594437}],"sentiment":"positive","sentiment_score":0.7328896164894104,"channel":1,"num_words":10,"start":2065.9568,"end":2068.377},{"sentences":[{"text":"Thanks, Kat.","start":2068.9768,"end":2069.5369,"sentiment":"positive","sentiment_score":0.7324053645133972},{"text":"I appreciate your time.","start":2069.5369,"end":2070.4167,"sentiment":"positive","sentiment_score":0.7595851570367813},{"text":"Enjoy your weekend.","start":2070.4167,"end":2071.317,"sentiment":"positive","sentiment_score":0.7899322509765625}],"sentiment":"positive","sentiment_score":0.763660901122623,"channel":0,"num_words":9,"start":2068.9768,"end":2071.317},{"sentences":[{"text":"You too.","start":2071.7969,"end":2072.2769,"sentiment":"positive","sentiment_score":0.5574687123298645},{"text":"Take care.","start":2072.2769,"end":2072.7568,"sentiment":"positive","sentiment_score":0.5528189837932587},{"text":"Bye.","start":2072.7568,"end":2073.2568,"sentiment":"neutral","sentiment_score":0.3069641590118408}],"sentiment":"positive","sentiment_score":0.5055079102516175,"channel":1,"num_words":5,"start":2071.7969,"end":2073.2568},{"sentences":[{"text":"Bye.","start":2073.7769,"end":2074.2769,"sentiment":"neutral","sentiment_score":-0.11224643886089324}],"sentiment":"neutral","sentiment_score":-0.11224643886089324,"channel":0,"num_words":1,"start":2073.7769,"end":2074.2769}]},"summary":{"result":"success","short":"A representative named Kat guides Jenna through a statement of advice on her financial situation, recommending a high growth investment option and a low growth investment strategy based on her retirement goals. They also discuss the benefits of rolling over HESTA superanncare and recommend a hybrid investment strategy with a high growth option and a low growth strategy. The speaker emphasizes the importance of understanding the policy and the potential shortfall in coverage, provides information on fees and fees coverage, and recommends implementing the plan, updating risk profiles, and reading product disclosures."},"intents":{"segments":[{"text":"You good for me to transfer her through? Yeah.","start_word":21,"end_word":29,"intents":[{"intent":"Transfer call","confidence_score":0.8061702}]},{"text":"You feel free to do it, but I also don't believe we have to because she's technically not a client of yours yet, but you are about to go through the statement of advice, so it makes sense. Okay. Beautiful.","start_word":46,"end_word":85,"intents":[{"intent":"Provide statement of advice","confidence_score":0.17746937}]},{"text":"And I am sorry, but I do need to get you to confirm your full name, date of birth, and address again, please. Yeah. Sure.","start_word":192,"end_word":216,"intents":[{"intent":"Confirm identity","confidence_score":0.59136647}]},{"text":"I'm going to send you an email. It's gonna come through from Odoo Sign, and it will say Jenna. When you open that email, if you just... It's... It will say click here to sign or sign here to click.","start_word":259,"end_word":298,"intents":[{"intent":"Confirm email","confidence_score":0.0066527384}]},{"text":"So the first document you should have is a statement of advice. Mhmm. So we're just gonna talk through that. So this is where all the advice is contained. So the the cover page itself is... Explains that the advice is prepared for you. It's prepared by me, and I'm authorized by Oakview Financial to provide this advice. Mhmm.","start_word":404,"end_word":462,"intents":[{"intent":"Explain guidance and recommendations regarding financial planning","confidence_score":4.5115092e-10}]},{"text":"The goals that aren't included in this advice is your budget and savings goal where you're you're saving a $100 per fortnight, at your debt goals of consolidating debt if you could.","start_word":673,"end_word":704,"intents":[{"intent":"Consolidate debt","confidence_score":0.031716775}]},{"text":"So you did mention you wanted to consider an investment account for your daughter down the track, but not at Mhmm. this point.","start_word":736,"end_word":758,"intents":[{"intent":"Understand investment account","confidence_score":0.0013805812}]},{"text":"Does that make sense? Mhmm. Yeah.","start_word":779,"end_word":784,"intents":[{"intent":"Assure clarity","confidence_score":0.00003330807}]},{"text":"It also lets you know that I'm not a lawyer, so I can't help you draft wills or powers of attorney.","start_word":817,"end_word":837,"intents":[{"intent":"Draft wills","confidence_score":0.2863254}]},{"text":"In our meetings, we completed a risk profile. So that was to ascertain your comfort levels to risk, and it came out as... You came out as a high growth in Vista, which means that 90% of your assets are allocated to growth with 10% Mhmm. approximately to defensive. So are you still comfortable with that based on our previous conversation? Yes.","start_word":954,"end_word":1015,"intents":[{"intent":"Analyze comfort levels","confidence_score":0.0021230166}]},{"text":"The downsides are that the hub twenty four will cost you proper... Approximately an extra 50 I'm $8 on the first per... month. Yes. Sorry.","start_word":1177,"end_word":1201,"intents":[{"intent":"Explain fund benefits","confidence_score":0.07882856}]},{"text":"And that the recommended portfolio that I'm making a recommendation does have a higher allocation to growth assets, Mhmm. which does expose you to more market volatility and fluctuations over time. It does.","start_word":1495,"end_word":1527,"intents":[{"intent":"Review portfolio recommendations","confidence_score":0.0052796225}]},{"text":"reason why I didn't proceed with them is that their brokerage fees... So when you... When the fund trades to buy or sell funds depending on your contributions, their fees are higher than the recommended Hub 24. Okay.","start_word":1710,"end_word":1747,"intents":[{"intent":"Discussing fees and benefits of hub 24 and its impact on fund performance","confidence_score":2.9627447e-9}]},{"text":"On a five year rolling average, your current fund returns approximately 6.48%. Okay.","start_word":1881,"end_word":1893,"intents":[{"intent":"Considering current fund returns","confidence_score":0.0059302812}]},{"text":"On a five year rolling average, your current fund returns approximately 6.48%. Okay. In in the recommended fund that we are looking at, the five year average is 11.34%. Okay. What that means over the long term is as... You know, your lump sum in five years is gonna be 12... Projected out to be approximately That could be... $12,000 better off, and in ten years, forty one thousand dollars better off.","start_word":1881,"end_word":1952,"intents":[{"intent":"Calculating projected investment income","confidence_score":0.0000017464805}]},{"text":"The investment options are displayed in a table. Can you see that?","start_word":2058,"end_word":2069,"intents":[{"intent":"Explaining investment options' interest rate","confidence_score":0.0000059532604}]},{"text":"So the portfolio I'm recommending is that you'll have some cybersecurity exposure, which is what we call a satellite investment. So it sits around the core investment options, which are your iShares S and P 500 and the beta shares Australian 200. And Yeah.","start_word":2092,"end_word":2135,"intents":[{"intent":"Recommend portfolio diversification","confidence_score":0.3164234},{"intent":"Recommend portfolio allocation","confidence_score":0.26307744},{"intent":"Recommend portfolio allocation","confidence_score":0.00392626},{"intent":"Discuss portfolio diversification","confidence_score":0.074345976},{"intent":"Explain portfolio diversification","confidence_score":0.009545857}]},{"text":"we definitely recommend you read through that. The next section is the sari sacrifice.","start_word":2403,"end_word":2416,"intents":[{"intent":"Recommend sari sacrifice","confidence_score":0.004544281}]},{"text":"So what you mean is pretty much going through my employer to do the pretax salary sacrifice? That's the price tax? Yes. Okay. Exactly. Yep. Yep. And it it... The only... The outcome and the benefits are the same of doing both. It's just that you won't have to do it yourself efficiency wise. It's there and it's set up. Okay.","start_word":2490,"end_word":2550,"intents":[{"intent":"Discuss benefits","confidence_score":0.09919696}]},{"text":"Okay.","start_word":2550,"end_word":2550,"intents":[{"intent":"Explain benefits","confidence_score":0.07331844}]},{"text":"So I just get $25 a week with my employer. Okay. Yeah. Yep. Just... We've just recommended the same amount that you're currently doing Okay.","start_word":2551,"end_word":2575,"intents":[{"intent":"Recommend contribution","confidence_score":0.0055270456}]},{"text":"The next... And and the document there will go through... The the next couple of pages of that will go through the advantages and disadvantages. Again, they're the same as you're currently doing now. It's just a different type of... It's just a different way of making that contribution. Okay.","start_word":2620,"end_word":2669,"intents":[{"intent":"Discuss advantages and disadvantages","confidence_score":0.25338495}]},{"text":"So what we have recommended is when you apply when you apply for your cover with hub twenty four, there's a group insurance option that allows you to have $200,000 life insurance and $200,000 TPD insurance, which is the TPD you don't currently hold. Okay.","start_word":2740,"end_word":2784,"intents":[{"intent":"Apply for insurance","confidence_score":0.07650313}]},{"text":"We can look at applying for that $940,000 of retail cover Mhmm.","start_word":3181,"end_word":3192,"intents":[{"intent":"Apply for coverage","confidence_score":0.22928816}]},{"text":"have a shortfall there in your income protection until where your BMI does reduce. Any questions?","start_word":3375,"end_word":3390,"intents":[{"intent":"Reduce bmi","confidence_score":0.0027556126}]},{"text":"Okay.","start_word":3527,"end_word":3527,"intents":[{"intent":"Make informed decision","confidence_score":0.2861615}]},{"text":"The next part is just establishing a beneficiary nomination. So within Hub, make a non lapsing beneficiary nomination to your daughter.","start_word":3531,"end_word":3551,"intents":[{"intent":"Set beneficiary nomination","confidence_score":0.3833634}]},{"text":"Just to make sure that you're happy with that, if any further considerations need to be made about estate planning and how that will work with your estate planning. Yep.","start_word":3578,"end_word":3607,"intents":[{"intent":"Ensure satisfaction with service","confidence_score":0.000059420032}]},{"text":"And, additionally, the next the next two are for you to establish a will and power of attorney. Okay.","start_word":3608,"end_word":3626,"intents":[{"intent":"Set aside will and power of attorney","confidence_score":0.0022194572},{"intent":"Provide will and power of attorney","confidence_score":0.0048251734}]},{"text":"The next section is our ongoing services. So it does explain to you what your fees cover. Again, the recommendation, the implementation of it, your regular reviews, and depending on the frequency of whether you want them to be annually or biannually.","start_word":3700,"end_word":3741,"intents":[{"intent":"Explain fees cover and review process","confidence_score":0.02190238},{"intent":"Provide information about review process","confidence_score":0.005185021}]},{"text":"additionally, how to implement our advice. So it's a step by step process of all the things that need to be done. Okay.","start_word":4029,"end_word":4051,"intents":[{"intent":"Obtain guidance on plan implementation","confidence_score":0.000015782676}]},{"text":"There's no product guarantee, so we obviously can't, you know, say it's gonna be great forever. But that's the purpose of our reviews where we review regularly, make changes where required. Okay.","start_word":4344,"end_word":4375,"intents":[{"intent":"Review and clarify","confidence_score":0.004608869}]},{"text":"The last two pages, sorry, it it just explains the investment return methodology, how that's calculated, and then life and... How life insurance through superannuation works. So that's information there for you. Mhmm. Any questions?","start_word":4488,"end_word":4522,"intents":[{"intent":"Provide information","confidence_score":0.033498783}]}]},"sentiments":{"segments":[{"text":"Hey, Maddie. Hey, Jenna. I've got Kat on the phone for you.","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.1227143183350563},{"text":"Fantastic. Thank you so much.","start_word":12,"end_word":16,"sentiment":"positive","sentiment_score":0.7289219498634338},{"text":"No. Not a problem. You good for me to transfer her through? Yeah. Has she been ID'd? I've not ID'd her, but I don't... That's okay. Yep. Yep. Yeah. You feel free to do it, but I also don't believe we have to because she's technically not a client of yours yet, but you are about to go through the statement of advice, so it makes sense. Okay.","start_word":17,"end_word":84,"sentiment":"neutral","sentiment_score":0.04755205661058426},{"text":"Beautiful. Stunning.","start_word":85,"end_word":86,"sentiment":"positive","sentiment_score":0.49594298005104065},{"text":"You've got her in 321. Thanks. Hi, Kat. It's Jenna here. How are you? I'm good. I'm so sorry I can't wait for your call. I've just been inundated at work. But, That's yeah, I absolutely I have time fine. now. That's absolutely fine. How are you doing today? Good. The interest rate increase is just making life so hard, but I'm I'm getting through with it. Yeah. It is difficult. It is, isn't it? Yeah. Just before I go any further, I do need to let you know that our calls are recorded for coaching and quality purposes. Is that okay? Yeah. That's fine. And I am sorry, but I do need to get you to confirm your full name, date of birth, and address again, please. Yeah. Sure. No worries. My name is Katya. 08/04/1994. 90 Gowling Avenue In Wallow 3750.","start_word":87,"end_word":229,"sentiment":"neutral","sentiment_score":0.011612466536462309},{"text":"Fantastic. Thank you so much for that.","start_word":230,"end_word":236,"sentiment":"positive","sentiment_score":0.3820343017578125},{"text":"And you have some time now to go through the Yes. Yep. statement of advice? Yes. I have the phone now. Fantastic. I'm going to send you an email. It's gonna come through from Odoo Sign, and it will say Jenna. When you open that email, if you just... It's... It will say click here to sign or sign here to click. I mean, you know what I mean. It's Friday. And you're not signing anything at the moment. It's just gonna navigate you to the advice document that we're gonna talk through. Okay. No worries. So if you let me know when you have that open, I will be able to begin.","start_word":237,"end_word":349,"sentiment":"neutral","sentiment_score":0.07620029461331072},{"text":"Okay. Cool.","start_word":350,"end_word":351,"sentiment":"positive","sentiment_score":0.4404295682907105},{"text":"Have It you sent might it? take a I have sent it. It might take it a little bit to come through. Just... It is a rather large document, so, hopefully, it will Yep. be with you momentarily. Yeah. Oh, yep. I can see the sign. Click to start. Okay.","start_word":352,"end_word":401,"sentiment":"neutral","sentiment_score":0.08188621699810028},{"text":"Cool.","start_word":402,"end_word":402,"sentiment":"positive","sentiment_score":0.4149139821529389},{"text":"Yep. So the first document you should have is a statement of advice. Mhmm. So we're just gonna talk through that. So this is where all the advice is contained. So the the cover page itself is... Explains that the advice is prepared for you. It's prepared by me, and I'm authorized by Oakview Financial to provide this advice. Mhmm. Then the next page covers off our best interest duty. So what this states is that we need to identify a client's financial situation, your needs, assess whether any advice provided is in your best interest, conduct diligent investigation to make sure any advice is relevant to your circumstances. Mhmm. Following that is a table of contents, and then the next page is the scope of advice. So that's where we talked about your goals, and this is gonna outline what is covered in this advice document. So Mhmm. we will be reviewing your superannuation, and your goal is to be debt free and have sufficient income to support your lifestyle of 3,500 per week throughout retirement. So we're gonna look at reviewing Mhmm. your super to help you work towards that goal. We've looked at the $25 a week you do after you get your pay into super and recommended to set this up as salary sacrifice arrangement instead so that what we'll be talking through. Mhmm. We're also gonna look at your insurances. We've made some recommendations surrounding that, and that your beneficiary nominations within your super and any insurance is in place for your daughter as well as establishing a will and power of attorney. Mhmm. The goals that aren't included in this advice is your budget and savings goal where you're you're saving a $100 per fortnight, at your debt goals of consolidating debt if you could. So that would be covered externally outside of our advice if you decided to go along with that... With the broker details that we shared with you Mhmm. and along with investment. So you did mention you wanted to consider an investment account for your daughter down the track, but not at Mhmm. this point. And also, again, property. So that's not addressed in... The purchase of property isn't addressed in this advice document either. Does that make sense? Mhmm. Yeah. The next page is our limited of advice. So it... The advice is based on the information you've provided to us. So if anything isn't provided, the advice could not be accurate. It also lets you know that I'm not a lawyer, so I can't help you draft wills or powers of attorney. Of course. And... Yep. Yep. And that I'm also... Cannot provide advice in regards to general insurance Yeah. products. I am able to provide tax advice relevant to financial advice only, but not tax returns or any of those types of matters. Mhmm. The next couple of pages are the about you section. So this is where we completed in our initial meetings your information. So dates of birth, income, occupation, savings, your assets and liabilities, as well as your current super with Hester and the life insurance and income protection you hold in Hester. Mhmm. Has any of that changed, do you think? Let me just quickly... No. It's still the same. Lovely. Let's see. In our meetings, we completed a risk profile. So that was to ascertain your comfort levels to risk, and it came out as... You came out as a high growth in Vista, which means that 90% of your assets are allocated to growth with 10% Mhmm. approximately to defensive. So are you still comfortable with that based on our previous conversation? Yes. I am. I am.","start_word":403,"end_word":1019,"sentiment":"neutral","sentiment_score":0.03009324307090073},{"text":"Fantastic.","start_word":1020,"end_word":1020,"sentiment":"positive","sentiment_score":0.6106107234954834},{"text":"The next couple of pages is where the real detail is in regards to the advice. So Mhmm. the first part is that we're recommending you roll over your HESTA superannuation fund into a new hub 24 platform superannuation fund. Mhmm. This this will be done over probably two phases, and I'll I'll dig a little bit deeper as to why. We've recommended establishing hub and investing in our high growth Hi, Gretchen. zero point five portfolio, which I'll discuss the investments in a little bit. The Mhmm. reason being is that Hester holds exposure to unlisted assets such as property and infrastructure. Unlisted assets are typically valued infrequently rather than daily, which does restrict the pricing transparency. So, for example, if they hold an investment in a property unlisted fund, that may be valued Yeah. monthly or quarterly. So, having a fully liquid and daily unitized or priced fund does provide a lot more transparency.","start_word":1021,"end_word":1176,"sentiment":"neutral","sentiment_score":0.058126634559952296},{"text":"The downsides are that the hub twenty four will cost you proper... Approximately an extra 50 I'm $8 on the first per... month.","start_word":1177,"end_word":1199,"sentiment":"negative","sentiment_score":-0.36201712489128113},{"text":"Yes. Sorry. Yep. You're absolutely fine. It's gonna cost approximately $58 per annum more in Okay.","start_word":1200,"end_word":1215,"sentiment":"neutral","sentiment_score":0.0818329006433487},{"text":"administration fees, but you will have enhanced diversification and a lot more investment flexibility within that fund.","start_word":1216,"end_word":1232,"sentiment":"positive","sentiment_score":0.373512864112854},{"text":"Okay. When you roll over or sell out of a superannuation fund, there's always capital gains tax that's incurred within the fund depending on gross or losses. When we roll out of our industry funds such as HESTA, we're not able to find out what that capital gains tax could be, whether it's positive or negative just because of the way funds are invested in industry funds. So your money is invested in what's called a pooled tax structure. So rather than owning individual investments, you'll... You own a share of those investments. So what happens when you roll out is the Mhmm. super... The industry superannuation fund will apply whatever capital gains is applicable, but we're not able to detail what that actually is. So Yeah. that's just something to be aware of. How we will do... How we recommend it occur is that we will roll over partially most of your HESTA superannuation with 10,000 being retained in HESTA until we're able to transfer over your existing insurance policies within HESTA. Once Yep. those insurance policies are transferred over, we'll then do a full rollover of Okay. the remaining funds closing the HESTA funds. Okay. The outcomes are that investment fee wise, the HUB24 portfolio is less. So your investment management fees, but the admin fees are higher, which I'll talk you through shot... Shortly. Yes.","start_word":1233,"end_word":1460,"sentiment":"neutral","sentiment_score":-0.06749671890416689},{"text":"The disadvantages is, as I mentioned, the higher administration fees of $58 per annum.","start_word":1461,"end_word":1474,"sentiment":"negative","sentiment_score":-0.4234047830104828},{"text":"We will apply an ongoing adviser fee, which I will talk you through as well, later on in the document. And that the recommended portfolio that I'm making a recommendation does have a higher allocation to growth assets, Mhmm.","start_word":1475,"end_word":1513,"sentiment":"neutral","sentiment_score":-0.22581900656223297},{"text":"which does expose you to more market volatility and fluctuations over time.","start_word":1514,"end_word":1525,"sentiment":"negative","sentiment_score":-0.37940913438797},{"text":"It does. Sorry. It does or it doesn't? It does. So compared to your HESTA, it is... Let me get that exact figure. It's a little bit further in the document, but while we're here, I'll discuss it. So your current portfolio with HESTA has about 66% exposure to growth assets, Mhmm. which which doesn't really fit with your high growth investment approach Mhmm. and and 34% in defensive assets. Our portfolio is recommending approximately 94% in growth assets with about 6% in defensive assets. So sitting towards more that high growth investment option. Investment option. Yep. Does that make Yeah. That makes sense? sense. Yes.","start_word":1526,"end_word":1631,"sentiment":"neutral","sentiment_score":-0.06429582089185715},{"text":"Lovely.","start_word":1632,"end_word":1632,"sentiment":"positive","sentiment_score":0.4467894434928894},{"text":"I did consider some... I did consider retaining your HESTA fund and investing it in a high growth option. Mhmm. Basically, I decided against that because you... Again, you will be exposed to those unlisted style assets, and you you are limited in your investment options. So they're pooled type investments, and you are limited. So that's why I Yes.","start_word":1633,"end_word":1692,"sentiment":"neutral","sentiment_score":-0.17403993010520935},{"text":"decided against HESTA.","start_word":1693,"end_word":1695,"sentiment":"negative","sentiment_score":-0.38405704498291016},{"text":"And I also considered another platform called MyNorth as an alternative. The Mhmm. reason why I didn't proceed with them is that their brokerage fees... So when you... When the fund trades to buy or sell funds depending on your contributions, their fees are higher than the recommended Hub 24. Okay. So that's the... All that wording area. If you scroll the wording, it's a concise... A condensed version of what's involved in that wording for Yeah. the first strategy. If you scroll to the fee comparison section, this is where I'm gonna talk through a little bit more. Yes. Yep. So, overall, you'll see that it's the admin fees that are costing you more, approximately Approximately $244 transport. or more with your adviser service fee and the insurance premiums. So when we look at that from a like from like basis, you are paying more to be in hub, and that includes the insurance premiums as well. So your insurance premiums actually will be cheaper, but you are gonna incur the adviser service fee, which increases the investments also... Or... Sorry. The fees also. On a five year rolling average, your current fund returns approximately 6.48%. Okay. In in the recommended fund that we are looking at, the five year average is 11.34%. Okay. What that means over the long term is as... You know, your lump sum in five years is gonna be 12... Projected out to be approximately That could be... $12,000 better off, and in ten years, forty one thousand dollars better off. Mhmm. Okay.","start_word":1696,"end_word":1954,"sentiment":"neutral","sentiment_score":-0.021419250553754307},{"text":"That's that's good.","start_word":1955,"end_word":1957,"sentiment":"positive","sentiment_score":0.34890681505203247},{"text":"So, again, they're just projections based on past performance, so they don't tell us and they're not an indication for future performance, but it gives us... It give... It it shows that you you shouldn't be... Well, not you shouldn't, but the balanced growth isn't gonna help you achieve your longer term goals. You do need to have some more exposure to your high growth. And then even when we look down further, the annualized returns with act... With a more diversified and more investment options, your portfolio is estimated to return Mhmm. more over the longer Okay. term. Yep. The investment options are displayed in a table. Can you see that? Have you scrolled to Yeah. that section yet? I can Yep. see them. I'll go through them properly as well.","start_word":1958,"end_word":2089,"sentiment":"neutral","sentiment_score":-0.042568702815157},{"text":"Yeah. Lovely.","start_word":2090,"end_word":2091,"sentiment":"positive","sentiment_score":0.5928962230682373},{"text":"So the portfolio I'm recommending is that you'll have some cybersecurity exposure, which is what we call a satellite investment. So it sits around the core investment options, which are your iShares S and P 500 and the beta shares Australian 200. And Yeah. all all the others are your satellites, so they sit around being your further diversification. So you've got some further diversification in cybersecurity, Europe, Japan, and the... All world excluding US with the iShares Yes. S and P being your US, a little bit of physical gold exposure, and the iShares core composite bond is your different... Your major defensive part of your portfolio. Okay. The portfolio is designed to give you different economy diversification, so being Europe, Japan, and all world, which gives you the exposure to all the economies through a diversified manner. Mhmm. Okay. The asset allocation is the next page, and that's where I I referred to earlier with the the difference between the balance growth and the high growth approach. So you'll see Yes. existing is you're sitting at about 66 and then 34 for gross first assets. We're recommending a 94 to One a 6% allocation just to be in line with that high growth investment portfolio, which Mhmm. will allow you the long term growth. And as we've discussed before, you you do... With your superannuation, legally, you're unable to access it until you're 60 years of all age based on today's legislation. So you do have time on your side again to take that higher risk. Yeah. Any questions about that? No. But I would No. definitely need a three as well, probably.","start_word":2092,"end_word":2366,"sentiment":"neutral","sentiment_score":0.03291335701942444},{"text":"We we definitely recommend.","start_word":2367,"end_word":2370,"sentiment":"positive","sentiment_score":0.3549477159976959},{"text":"So there's... You're not needing to sign this today. We absolutely... I'm A little running late through on. it to give you the On the same thing. the... Yeah. And then Okay. we definitely recommend you read through that. The next section is the sari sacrifice. So rather... And the only reason that we changed it to a sari sacrifice and Fine. after tax contributions is for efficiency on your behalf. You're you're not needing to set this up.","start_word":2371,"end_word":2449,"sentiment":"neutral","sentiment_score":0.08323735779127743},{"text":"Your employer will do it on your behalf. The taxable outcome is still the same as you'll see in that table.","start_word":2450,"end_word":2470,"sentiment":"positive","sentiment_score":0.34055906534194946},{"text":"It's just that you're gonna do it via by two Fine. diff... By a different contribution method. Okay. Sorry. So what you mean is pretty much going through my employer to do the pretax salary sacrifice? That's the price tax? Yes. Okay. Exactly. Yep. Yep. And it it... The only... The outcome and the benefits are the same of doing both.","start_word":2471,"end_word":2531,"sentiment":"neutral","sentiment_score":0.1438092589378357},{"text":"It's just that you won't have to do it yourself efficiency wise. It's there and it's set up.","start_word":2532,"end_word":2549,"sentiment":"positive","sentiment_score":0.37054288387298584},{"text":"Okay. So I just get $25 a week with my employer. Okay. Yeah. Yep. Just... We've just recommended the same amount that you're currently doing Okay. so that there's no change to your personal cash flow impacts. Yep. Okay.","start_word":2550,"end_word":2588,"sentiment":"neutral","sentiment_score":0.19397787749767303},{"text":"The... I like the sign of that. I can do that. Yeah. Yeah. Yeah. Sure. It's much more easier, and you don't have to worry about it then. Yep. Okay. Cool.","start_word":2589,"end_word":2619,"sentiment":"positive","sentiment_score":0.5600466728210449},{"text":"The next... And and the document there will go through... The the next couple of pages of that will go through the advantages and disadvantages. Again, they're the same as you're currently doing now. It's just a different type of... It's just a different way of making that contribution. Okay. The next part is where I'm gonna spend probably a fair a a decent amount of our time just to go through the insurances. I know we spoke previously, and we did the pre assessment in relation to the BMI and what insurance terms retail funds would provide. So what we've done is we've tried to be a little bit creative to get you as much cover as possible. So what we have recommended is when you apply when you apply for your cover with hub twenty four, there's a group insurance option that allows you to have $200,000 life insurance and $200,000 TPD insurance, which is the TPD you don't currently hold. Okay. And that premium's $8.03 a month. Now with group insurance, there's always the exclusion for preexisting conditions. So an example of that might be... What's something I can think of? If you had type one diabetes, for example, Mhmm. that would be excluded from being claimable on the life and TPD insurance under a group, Yep. which is the same as your cover within HESTA at the moment anyhow. So what we've recommended is that goes through no underwriting. So you're automatically... When the forms are ready and Mhmm. if you decide, you... We will automatically request that cover be put in place, and that will cost $8.03 per month. Okay. The next the next part is is that we're going to apply to transfer your existing life cover of a 134,990 over to Hub from HESTA. And, Mhmm. also, your income protection policy within HESTA that has been automatically applied, it's only for $1,000 a month. It does have a ninety day waiting period and a five year benefit period, but we believe some cover's better than none. Mhmm. And that... And when we transfer that over to hub twenty four, that's expected to cost you about $6.99 per month. So what it means overall is you're gonna have about 300,000... $303,334,990 dollars in life insurance, Mhmm. $200,000 in TPD insurance, and income protection with 100... With $1,000 per month and ninety day wait and a five year benefit period. So, again, Okay. they're all they're all group covers. So any preexisting conditions that you may have would be excluded from claim. So do you have any preexisting conditions that you could think of? Alright. Not that I know of. Apart from the one Nope.","start_word":2620,"end_word":3069,"sentiment":"neutral","sentiment_score":0.02582154040535291},{"text":"that I disclosed at at the very minute, I'm just going through a weight loss.","start_word":3070,"end_word":3084,"sentiment":"negative","sentiment_score":-0.3682008981704712},{"text":"Yeah. Just like that's about it. Yeah.","start_word":3085,"end_word":3091,"sentiment":"neutral","sentiment_score":0.04704825154372624},{"text":"Yeah. Absolutely fine. So that's what we thought would be the the most cost effective approach.","start_word":3092,"end_word":3107,"sentiment":"positive","sentiment_score":0.4094127416610718},{"text":"Now we did... In our in our time, we did talk about the levels of cover that you needed or that you wanted for your daughter, and that came out at sitting about a need for life insurance of about $940,000 as well as the same amount for TPD. Now we can't get you that level of TPD cover at Okay. the moment. The max we can do is that that group cover. We can look at applying for that $940,000 of retail cover Mhmm. for life insurance, but it will have a loading of between a 150 and a 175%. The retail insurers have declined TPD trauma and income protection in full, so we're unable to get you those covers through retail insurers. So what I've included in this document, once you have a read over it, is that we can apply for the the retail life insurance of $940,000. It does take up approximate... The cost of it would be equivalent to an estimated 10% of your annual super guarantee contribution, Mhmm. but it will provide you with that higher level of cover. So I have included it in there should you wish to do that for you to have a read over. But we also did talk about your desire for trauma insurance, which is we did a needs analysis of a $145,000. Unfortunately, Under. until your weight... Like we discussed earlier, until your weight loss journey has completed, I can't obtain that cover on your behalf as well as the income protection at need of $4,783 per month. So you are gonna Okay. have a shortfall there in your income protection until where your BMI does reduce. Any questions? Because that's a lot of information I just downloaded on you. Okay. No. That's fine. No worries. Like I said, I'm gonna be... Go through this document thoroughly, but you've explained it well. Okay. So, yeah, I just wanted to make sure that, like, with the insurance, there is definitely gonna be a shortfall in your needs. Like, you're not gonna be fully insured at this point in time with what you need. Yep. We we are restricted, unfortunately, due to the insurance companies, but what we've tried to do is get as much cover as possible without impacting your superannuation balance as much as possible. So have a read through it, and, yeah, it's it's all in there for you to ex... For you to understand and make a dis... An informed decision on that. Okay.","start_word":3108,"end_word":3527,"sentiment":"neutral","sentiment_score":-0.09866089876741171},{"text":"Okay. All good.","start_word":3528,"end_word":3530,"sentiment":"positive","sentiment_score":0.4313634335994721},{"text":"The next part is just establishing a beneficiary nomination. So within Hub, make a non lapsing beneficiary nomination to your daughter. I've included some information in here about minor beneficiary death benefit considerations. Mhmm. So Yeah. have I a can read see through those. the... Yep. Yep. Just to make sure that you're happy with that, if any further considerations need to be made about estate planning and how that will work with your estate planning. Yep. And, additionally, the next the next two are for you to establish a will and power of attorney. Okay. Obviously, not having those in place means Mhmm. that you're in and out from a will perspective that your wishes may not be Yeah. addressed as it would fall under a public trustee likely to make those decisions for you. And with the power of attorney, if anything was to happen to you while you're alive and you're unable to make decisions, there's no one nominated to do that on your behalf. Okay. The next section is our ongoing services. So it does explain to you what your fees cover. Again, the recommendation, the implementation of it, your regular reviews, and depending on the frequency of whether you want them to be annually or biannually. And also as your situation changes, it is Mhmm. we're here for anything for you to contact us and reach out. So we're we're Yes. abreast of what's going on. And if there's any changes that you need made, we can action those for you. So you're not Okay. limited... Basically, what I'm saying is is you're not limited to just your reviews. Okay.","start_word":3531,"end_word":3805,"sentiment":"neutral","sentiment_score":0.07855352014303207},{"text":"That's good. Yeah. That's that's good to know.","start_word":3806,"end_word":3813,"sentiment":"positive","sentiment_score":0.4632405638694763},{"text":"Yeah. Yeah. The next couple of pages is just important information. So the next step is you read through this and make an informed decision. If we need to have another meeting after you've had to read through it to go through any questions, absolutely Okay.","start_word":3814,"end_word":3859,"sentiment":"neutral","sentiment_score":0.19718664787385776},{"text":"fine. Yep. Approved product list is we've got an open APL, which means we can invest and recommend in whatever is approved by our licensee.","start_word":3860,"end_word":3884,"sentiment":"positive","sentiment_score":0.36991608142852783},{"text":"Product Yep. disclosure statements, product disclosure information, which they're all attached to the email that you received as well. Mhmm. And then the next section is the fees. So this section is a clear outline of the fees being paid. So to implement this plan, the fee you can... You will incur is $1,825 from us, and we can... We will deduct that from your superannuation fund. Mhmm. And then the ongoing fee is set at 1.65% of your super balance. So annually, it is set for the next twelve months to be $979, and each Okay. twelve months that is then reviewed and reset. You sign off on a piece of paper confirming that you wanna continue, so it doesn't automatically roll over. Okay. Alrighty. Yeah. Following that is a a outline of our... Just a summary again of the costs and, Mhmm. additionally, how to implement our advice. So it's a step by step process of all the things that need to be done. Okay. The last page requires your signature. So when you've read it, you've asked any questions, you're happy, whatever it is that you decide to do, you Mhmm. would sign that page and date it, and you'll note that there's a spare box above. If there Yes. was Sandwich. an air... If there was something you did not wish to proceed with, that's where you'd type it. So, for example, if you decided you didn't want to nominate your daughter as your beneficiary, you wanted it to pay your estate instead, that's where you'd type Yep. it. So any changes to the advice. Okay. And the last... No worries. Yeah. And the last page is my advice declaration. So just explaining that it's accurate. I am authorized, all those sorts Of course. of things. Yeah. Okay. And the last Alrighty. document that I... Mhmm. Sorry? Sorry. No. Oh, good. Sorry. Mhmm. The last one is just the appendix to the statement of advice. So just to run over this one quickly, table of contents. The first the first page is the risk profile, so it shows the different types of risk profiles that we act by. So you'll see your high growth one is there on the second last left hand side... Right hand side of the column, Mhmm. and then important relationships and information. So probably one of the the most important sections of this is the currency of the SOA. So we need you to sign it if you wish to proceed within sixty days Okay. as... The reason being is people's situations can change in that time frame. So Of course. Yeah. after sixty days, we just need to redo the process again. Yeah. Okay. There's No. Understandable. there's... Yep. There's no product guarantee, so we obviously can't, you know, say it's gonna be great forever. But that's the purpose of our reviews where we review regularly, make changes where required.","start_word":3885,"end_word":4374,"sentiment":"neutral","sentiment_score":0.02973826839303484},{"text":"Okay. Sounds good.","start_word":4375,"end_word":4377,"sentiment":"positive","sentiment_score":0.4156832695007324},{"text":"There's also investment links to the recommended investment options. So if you Mhmm. have trouble sleeping, have a rate of those. And then and then we've had... We've completed a like for like for you. So if you stay with HESTA and go for a high growth option Yep. versus the recommended hub 24, what I've recommended high growth option, it just gives you the difference there. So, again, it's still gonna cost you more in fees because of our advice fee, but it does tell you the difference. So lump sum difference in five years would be 5,000, and then in in ten years, 21,000 with rough figures. Alright. The last two pages, sorry, it it just explains the investment return methodology, how that's calculated, and then life and... How life insurance through superannuation works. So that's information there for you. Mhmm. Any questions? Okay. No. That's about it.","start_word":4378,"end_word":4527,"sentiment":"neutral","sentiment_score":0.07325151562690735},{"text":"Definitely a a lot of information I need to go through and read thoroughly, but thank you so much. I'm looking forward to it. You are absolutely fine.","start_word":4528,"end_word":4555,"sentiment":"positive","sentiment_score":0.674737274646759},{"text":"And then also attached to that link, that email that we sent through was the product disclosure statements for Mhmm. hub twenty four and the group insurance as well as, again, our FSG. So have a read of the advice. Again, if you have any questions, please reach out. And did you want me to follow you up at any point in time? Just give me a week. I I don't wanna prolong One the week? process. Yeah. Please just give me a week, and then, I'll just let you know what my final decision is because I wanna go through it this weekend and read it properly.","start_word":4556,"end_word":4663,"sentiment":"neutral","sentiment_score":0.1110973134636879},{"text":"Absolutely. Absolutely.","start_word":4664,"end_word":4665,"sentiment":"positive","sentiment_score":0.5074970722198486},{"text":"And, again, any questions, please reach out.","start_word":4666,"end_word":4672,"sentiment":"neutral","sentiment_score":0.1844387054443359},{"text":"Alright. Thank you so much, Jenna. I appreciate your time. Thanks, Kat. I appreciate your time. Enjoy your weekend. You too. Take care.","start_word":4673,"end_word":4695,"sentiment":"positive","sentiment_score":0.6994951963424683},{"text":"Bye. Bye.","start_word":4696,"end_word":4697,"sentiment":"neutral","sentiment_score":0.2770344316959381}],"average":{"sentiment":"neutral","sentiment_score":0.034507171043444945}}}}