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Oh, oh, no goodness. Well, mine's mine's very quick. So, hopefully, it won't take up too much time. It's literally I just wanted to triple check. When you set up any child investment bond, then you obviously nominate an age you want it to vest to go to the children, essentially. Is that set, or can you change it? Like, if you were to set 25 and then at 18, as long as it's been more than ten years, they wanna take it out early, can they? The owner. So if the dad says, no. Okay. Let's lock it into '25, but then let's say the kids turn 18, they're only five now, And then he goes, oh, actually, they needed for house deposit or university fees or whatever it is, and he wants it to go to the kids earlier. Yes. Yes. Yes. Yep. No. Okay. Great. So would it the same be let's say he's says 18, and then when the kids turn 17, he goes, no. You are not mature or ready enough for it. I wanna push it out to 25. He could do that. Amazing. Yes. Yes. Exactly. Yeah. Okay. That's because I was under the impression somehow that you said it and that's it. That's great. Yes. Yes. Yes. Yes. I do love that. For this client, there's a bit of ex partner involvement, specifically restriction. So yes. But, yeah, I just wanted to triple check the h. So that's amazing. That's great. That was all my questions today. Beautiful. Thank you. Hopefully, your meeting goes well. Yeah. And if I don't speak to you, next week is my last week before I go on maternity leave. Otherwise, I shall see you in twelve twelve months. Yeah. Yeah. Yeah. On Thursdays, our office is shut. So we are all work from home Thursday, if that's the only thing. No. I'll be in Monday, Tuesday, Wednesday, but but otherwise. Yeah. Yeah. Yeah. Beautiful. Yes. You too. And we have obviously a new adviser starting to take over from me, so it might be good for you too. Jenna. So, yeah, just let Larissa know if you are wanting to come and say hello and say goodbye, and we can definitely sort that out. Oh, okay. Yeah. Oh, yes. Yeah. She had a bit of an a health personal situation, and and she's, yeah, she's she's good now. She's back working crazy again. Sorry. I think that's good. Yes. Yeah. It would be lovely to see you next week. And, yeah, just let Larissa know, and she will let all of us know if you do come in so that we can all be available. Beautiful. Lovely. Well, I look forward to hopefully seeing you next week. Yeah. Beautiful. Well, thank you so much for today. 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hello? Go ahead. How are you? I just did, actually, so that's great. Yes, please.\n\nThat would be great. Thanks. Hi, Mel. How are you? Good.\n\nThanks for calling me back so quickly. Oh, oh, no goodness. Well, mine's mine's very quick. So, hopefully, it won't take up too much time. It's literally I just wanted to triple check.\n\nWhen you set up any child investment bond, then you obviously nominate an age you want it to vest to go to the children, essentially. Is that set, or can you change it? Like, if you were to set 25 and then at 18, as long as it's been more than ten years, they wanna take it out early, can they? The owner. So if the dad says, no.\n\nOkay. Let's lock it into '25, but then let's say the kids turn 18, they're only five now, And then he goes, oh, actually, they needed for house deposit or university fees or whatever it is, and he wants it to go to the kids earlier. Yes. Yes. Yes.\n\nYep. No. Okay. Great. So would it the same be let's say he's says 18, and then when the kids turn 17, he goes, no.\n\nYou are not mature or ready enough for it. I wanna push it out to 25. He could do that. Amazing. Yes.\n\nYes. Exactly. Yeah. Okay. That's because I was under the impression somehow that you said it and that's it.\n\nThat's great. Yes. Yes. Yes. Yes.\n\nI do love that. For this client, there's a bit of ex partner involvement, specifically restriction. So yes. But, yeah, I just wanted to triple check the h. So that's amazing.\n\nThat's great. That was all my questions today. Beautiful. Thank you. Hopefully, your meeting goes well.\n\nYeah. And if I don't speak to you, next week is my last week before I go on maternity leave. Otherwise, I shall see you in twelve twelve months. Yeah. Yeah.\n\nYeah. On Thursdays, our office is shut. So we are all work from home Thursday, if that's the only thing. No. I'll be in Monday, Tuesday, Wednesday, but but otherwise.\n\nYeah. Yeah. Yeah. Beautiful. Yes.\n\nYou too. And we have obviously a new adviser starting to take over from me, so it might be good for you too. Jenna. So, yeah, just let Larissa know if you are wanting to come and say hello and say goodbye, and we can definitely sort that out. Oh, okay.\n\nYeah. Oh, yes. Yeah. She had a bit of an a health personal situation, and and she's, yeah, she's she's good now. She's back working crazy again.\n\nSorry. I think that's good. Yes. Yeah. It would be lovely to see you next week.\n\nAnd, yeah, just let Larissa know, and she will let all of us know if you do come in so that we can all be available. Beautiful. Lovely. Well, I look forward to hopefully seeing you next week. Yeah.\n\nBeautiful. Well, thank you so much for today. Bye.","paragraphs":[{"sentences":[{"text":"Oh, hello?","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.04170871153473854},{"text":"Go ahead.","start":4.7999997,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.13794296979904175},{"text":"How are you?","start":5.3599997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.11201829711596172},{"text":"I just did, actually, so that's great.","start":13.44,"end":20.235,"sentiment":"neutral","sentiment_score":0.1417735144495964},{"text":"Yes, please.","start":20.295,"end":20.935001,"sentiment":"positive","sentiment_score":0.3743222653865814}],"sentiment":"neutral","sentiment_score":0.15227608662098646,"num_words":16,"start":1.36,"end":20.935001},{"sentences":[{"text":"That would be great.","start":20.935001,"end":21.915,"sentiment":"positive","sentiment_score":0.5716883093118668},{"text":"Thanks.","start":25.175,"end":25.675,"sentiment":"neutral","sentiment_score":0.31684210896492004},{"text":"Hi, Mel.","start":30.455,"end":30.99,"sentiment":"neutral","sentiment_score":0.16003944724798203},{"text":"How are you?","start":31.15,"end":31.89,"sentiment":"neutral","sentiment_score":0.11725940803686778},{"text":"Good.","start":34.19,"end":34.67,"sentiment":"neutral","sentiment_score":0.3067263066768646}],"sentiment":"neutral","sentiment_score":0.325652615590529,"num_words":11,"start":20.935001,"end":34.67},{"sentences":[{"text":"Thanks for calling me back so quickly.","start":34.67,"end":36.29,"sentiment":"positive","sentiment_score":0.46657279985291616},{"text":"Oh, oh, no goodness.","start":44.59,"end":45.97,"sentiment":"neutral","sentiment_score":-0.2006826512515545},{"text":"Well, mine's mine's very quick.","start":47.125,"end":49.145,"sentiment":"neutral","sentiment_score":-0.18056380599737168},{"text":"So, hopefully, it won't take up too much time.","start":51.365,"end":53.045,"sentiment":"neutral","sentiment_score":-0.08779598358604643},{"text":"It's literally I just wanted to 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too.","start":250.135,"end":250.61499,"sentiment":"neutral","sentiment_score":0.3110138028860092},{"text":"And we have obviously a new adviser starting to take over from me, so it might be good for you too.","start":250.61499,"end":255.915,"sentiment":"neutral","sentiment_score":0.1238221125233741},{"text":"Jenna.","start":256.95,"end":257.45,"sentiment":"neutral","sentiment_score":0.05367950722575188},{"text":"So, yeah, just let Larissa know if you are wanting to come and say hello and say goodbye, and we can definitely sort that out.","start":258.15,"end":268.005,"sentiment":"neutral","sentiment_score":0.05785079136490822},{"text":"Oh, okay.","start":272.245,"end":275.625,"sentiment":"neutral","sentiment_score":-0.004493855871260166}],"sentiment":"neutral","sentiment_score":0.09241673624252572,"num_words":51,"start":250.135,"end":275.625},{"sentences":[{"text":"Yeah.","start":278.245,"end":278.565,"sentiment":"neutral","sentiment_score":0.007307711988687515},{"text":"Oh, 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today.","start":311.5,"end":313.04,"sentiment":"positive","sentiment_score":0.6007190006119865},{"text":"Bye.","start":315.26,"end":315.76,"sentiment":"neutral","sentiment_score":0.14674173295497894}],"sentiment":"positive","sentiment_score":0.5410622672902213,"num_words":9,"start":310.94,"end":315.76}]}}]},{"alternatives":[{"transcript":"Hello, Veronica. How are you? Yeah. Good. Thank you. I have Meryl from GenLife. I believe you may have tried to call her today. Okay. Yeah. Perfect. Are you okay for me to transfer you through? Yep. Alright. In 321, you have Meryl. Thank you. Alright. How are you? That's okay. Sorry to leave you hanging for a bit. I'm dealing with a couple of little things at the moment, and I'm running about twenty minutes late for a meeting. Just on top of all of that. That's alright. Just trying to cope with everything. Awesome. Far away. Yep. The child or the the owner? Yeah. Yeah. He can change the transfer age. Yeah? So a child can own a bond in their own name from the age of 16 onwards. So, basically, he could change the transfer date for the child builder, if it's child builder. The other thing he could do is if he wanted to, he could cash it out himself and then just give the kids the money. If it's post ten years, obviously, there's no tax implications for him. However, if he does it prior to ten years, obviously, there'd be a tax assessable amount to him, and he that would be preferable. Otherwise, the children will be taxed on those amounts at child rates, which isn't ideal. Yes. Yep. He could absolutely do that. Yep. That might be a good way to do it because you can always talk about that on review as well because you'll be reviewing this on the way. So that's probably a good idea. Set it at eighteen, and then he can push it further out if he needs to. No. No. Not with Child Builder. You can push it out to a maximum age of 25, which is why a lot of people use Life Builder because you can go beyond that date. You can go out to as far as you need, but you've still got the same investment options, but just a lot more flexibility in terms of the outcomes you can achieve. Yeah. Right. So child builder could be a lot more useful then. Yep. Okay. Peeky peeky. No problem. Lovely. Thank you. Hi. It's nice to you. I'm on my way now. Oh, how exciting. Oh, I hope I do get to see you. I will be around next week, so hopefully we can catch up. I could potentially be down, I think, on the tenth, which I think is next Thursday. That's not gonna work then, is it? Might have to oh, I might have to come in Wednesday, but I'll see what I can do. Okay? Love to see you, though, before you go. You've been a gem. Love working with you. Oh, cool. Okay. Jenna. Okay. Yeah. Well, I did try to come and see her before, but, unfortunately, she was she had an emergency to deal with, so I wasn't able to see her the last time I was down. So, hopefully, she's okay. Yeah. Oh, well, you know, yes. That's the way we were living, isn't it? Awesome. Lovely. Okay. I'll see what I can do. Yes. I know. I'll take I'll do my best. I promise. No worries. Bye for now. 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Veronica. How are you? Yeah. Good. Thank you.\n\nI have Meryl from GenLife. I believe you may have tried to call her today. Okay. Yeah. Perfect.\n\nAre you okay for me to transfer you through? Yep. Alright. In 321, you have Meryl. Thank you.\n\nAlright. How are you? That's okay. Sorry to leave you hanging for a bit. I'm dealing with a couple of little things at the moment, and I'm running about twenty minutes late for a meeting.\n\nJust on top of all of that. That's alright. Just trying to cope with everything. Awesome. Far away.\n\nYep. The child or the the owner? Yeah. Yeah. He can change the transfer age.\n\nYeah? So a child can own a bond in their own name from the age of 16 onwards. So, basically, he could change the transfer date for the child builder, if it's child builder. The other thing he could do is if he wanted to, he could cash it out himself and then just give the kids the money. If it's post ten years, obviously, there's no tax implications for him.\n\nHowever, if he does it prior to ten years, obviously, there'd be a tax assessable amount to him, and he that would be preferable. Otherwise, the children will be taxed on those amounts at child rates, which isn't ideal. Yes. Yep. He could absolutely do that.\n\nYep. That might be a good way to do it because you can always talk about that on review as well because you'll be reviewing this on the way. So that's probably a good idea. Set it at eighteen, and then he can push it further out if he needs to. No.\n\nNo. Not with Child Builder. You can push it out to a maximum age of 25, which is why a lot of people use Life Builder because you can go beyond that date. You can go out to as far as you need, but you've still got the same investment options, but just a lot more flexibility in terms of the outcomes you can achieve. Yeah.\n\nRight. So child builder could be a lot more useful then. Yep. Okay. Peeky peeky.\n\nNo problem. Lovely. Thank you. Hi. It's nice to you.\n\nI'm on my way now. Oh, how exciting. Oh, I hope I do get to see you. I will be around next week, so hopefully we can catch up. I could potentially be down, I think, on the tenth, which I think is next Thursday.\n\nThat's not gonna work then, is it? Might have to oh, I might have to come in Wednesday, but I'll see what I can do. Okay? Love to see you, though, before you go. You've been a gem.\n\nLove working with you. Oh, cool. Okay. Jenna. Okay.\n\nYeah. Well, I did try to come and see her before, but, unfortunately, she was she had an emergency to deal with, so I wasn't able to see her the last time I was down. So, hopefully, she's okay. Yeah. Oh, well, you know, yes.\n\nThat's the way we were living, isn't it? Awesome. Lovely. Okay. I'll see what I can do.\n\nYes. I know. I'll take I'll do my best. I promise. No worries.\n\nBye for now. See you.","paragraphs":[{"sentences":[{"text":"Hello, Veronica.","start":2.72,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.07827509008347988},{"text":"How are you?","start":3.6799998,"end":4.5,"sentiment":"neutral","sentiment_score":0.12669133643309274},{"text":"Yeah.","start":6.48,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.1854355037212372},{"text":"Good.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.4728955030441284},{"text":"Thank you.","start":7.12,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5635101795196533}],"sentiment":"neutral","sentiment_score":0.25799728391899,"num_words":9,"start":2.72,"end":7.9199996},{"sentences":[{"text":"I have Meryl from GenLife.","start":7.9199996,"end":10.179999,"sentiment":"neutral","sentiment_score":0.14542204439640044},{"text":"I believe you may have tried to call her 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that.","start":148.20499,"end":149.64499,"sentiment":"neutral","sentiment_score":0.29042012989521027}],"sentiment":"neutral","sentiment_score":-0.05954046243720729,"num_words":46,"start":120.97,"end":149.64499},{"sentences":[{"text":"Yep.","start":149.64499,"end":150.0,"sentiment":"neutral","sentiment_score":0.22492164373397827},{"text":"That might be a good way to do it because you can always talk about that on review as well because you'll be reviewing this on the way.","start":150.24,"end":156.32,"sentiment":"neutral","sentiment_score":0.28305026622755186},{"text":"So that's probably a good idea.","start":156.32,"end":158.08,"sentiment":"neutral","sentiment_score":0.300154447555542},{"text":"Set it at eighteen, and then he can push it further out if he needs to.","start":158.08,"end":161.38,"sentiment":"neutral","sentiment_score":0.10808246210217476},{"text":"No.","start":167.325,"end":167.80501,"sentiment":"neutral","sentiment_score":-0.07028846442699432}],"sentiment":"neutral","sentiment_score":0.22327474447397086,"num_words":52,"start":149.64499,"end":167.80501},{"sentences":[{"text":"No.","start":167.80501,"end":168.045,"sentiment":"neutral","sentiment_score":-0.0949094295501709},{"text":"Not with Child Builder.","start":168.045,"end":168.845,"sentiment":"neutral","sentiment_score":-0.06461282446980476},{"text":"You can push it out to a maximum age of 25, which is why a lot of people use Life Builder because you can go beyond that date.","start":168.845,"end":175.585,"sentiment":"neutral","sentiment_score":0.06891315703147224},{"text":"You can go out to as far as you need, but you've still got the same investment options, but just a lot more flexibility in terms of the outcomes you can achieve.","start":176.045,"end":184.03,"sentiment":"neutral","sentiment_score":0.09472161496523768},{"text":"Yeah.","start":190.17,"end":190.56999,"sentiment":"neutral","sentiment_score":0.07112731039524078}],"sentiment":"neutral","sentiment_score":0.0708852524050709,"num_words":66,"start":167.80501,"end":190.56999},{"sentences":[{"text":"Right.","start":190.56999,"end":190.995,"sentiment":"neutral","sentiment_score":0.059836652129888535},{"text":"So child builder could be a lot more useful then.","start":191.47499,"end":193.97499,"sentiment":"neutral","sentiment_score":0.10655865892767906},{"text":"Yep.","start":195.235,"end":195.735,"sentiment":"neutral","sentiment_score":0.06567377597093582},{"text":"Okay.","start":195.795,"end":196.295,"sentiment":"neutral","sentiment_score":0.07807193696498871},{"text":"Peeky peeky.","start":199.795,"end":200.69499,"sentiment":"neutral","sentiment_score":0.16631872951984406}],"sentiment":"neutral","sentiment_score":0.10678709422548611,"num_words":15,"start":190.56999,"end":200.69499},{"sentences":[{"text":"No problem.","start":200.915,"end":201.735,"sentiment":"neutral","sentiment_score":0.2733382284641266},{"text":"Lovely.","start":202.515,"end":203.015,"sentiment":"positive","sentiment_score":0.6021935939788818},{"text":"Thank you.","start":205.3,"end":205.86,"sentiment":"positive","sentiment_score":0.4225148856639862},{"text":"Hi.","start":205.86,"end":206.18001,"sentiment":"neutral","sentiment_score":0.2945224642753601},{"text":"It's nice to you.","start":206.18001,"end":206.66,"sentiment":"positive","sentiment_score":0.4670076221227646}],"sentiment":"positive","sentiment_score":0.41564527750015257,"num_words":10,"start":200.915,"end":206.66},{"sentences":[{"text":"I'm on my way now.","start":206.66,"end":207.8,"sentiment":"neutral","sentiment_score":0.2846990942955017},{"text":"Oh, how exciting.","start":213.22,"end":214.36,"sentiment":"neutral","sentiment_score":0.17409126833081245},{"text":"Oh, I hope I do get to see you.","start":217.725,"end":219.825,"sentiment":"neutral","sentiment_score":0.1481150206592348},{"text":"I will be around next week, so hopefully we can catch up.","start":220.045,"end":224.145,"sentiment":"neutral","sentiment_score":0.06739820415774982},{"text":"I could potentially be down, I think, on the tenth, which I think is next Thursday.","start":224.205,"end":230.385,"sentiment":"neutral","sentiment_score":-0.020733503566589206}],"sentiment":"neutral","sentiment_score":0.08346326344956954,"num_words":45,"start":206.66,"end":230.385},{"sentences":[{"text":"That's not gonna work then, is it?","start":236.17,"end":237.79001,"sentiment":"neutral","sentiment_score":-0.022925324871071746},{"text":"Might have to oh, I might have to come in Wednesday, but I'll see what I can do.","start":239.13,"end":245.13,"sentiment":"neutral","sentiment_score":-0.013559874923278889},{"text":"Okay?","start":245.13,"end":245.63,"sentiment":"neutral","sentiment_score":0.01022564247250557},{"text":"Love to see you, though, before you go.","start":246.27501,"end":247.79501,"sentiment":"positive","sentiment_score":0.3889222480356693},{"text":"You've been a gem.","start":247.79501,"end":248.755,"sentiment":"positive","sentiment_score":0.6549725234508514}],"sentiment":"neutral","sentiment_score":0.14044575520644062,"num_words":38,"start":236.17,"end":248.755},{"sentences":[{"text":"Love working with you.","start":248.755,"end":249.975,"sentiment":"positive","sentiment_score":0.5768557339906693},{"text":"Oh, cool.","start":254.91501,"end":255.735,"sentiment":"neutral","sentiment_score":0.1903000921010971},{"text":"Okay.","start":256.435,"end":256.935,"sentiment":"neutral","sentiment_score":0.06052267178893089},{"text":"Jenna.","start":258.77,"end":259.27,"sentiment":"neutral","sentiment_score":0.057556118816137314},{"text":"Okay.","start":259.49,"end":259.99,"sentiment":"neutral","sentiment_score":0.05629744008183479}],"sentiment":"neutral","sentiment_score":0.3180443723168638,"num_words":9,"start":248.755,"end":259.99},{"sentences":[{"text":"Yeah.","start":264.44998,"end":264.94998,"sentiment":"neutral","sentiment_score":0.053341105580329895},{"text":"Well, I did try to come and see her before, but, unfortunately, she was she had an emergency to deal with, so I wasn't able to see her the last time I was down.","start":265.09,"end":274.695,"sentiment":"neutral","sentiment_score":-0.034326355849557066},{"text":"So, hopefully, she's okay.","start":275.955,"end":277.255,"sentiment":"neutral","sentiment_score":0.028045698069036007},{"text":"Yeah.","start":282.915,"end":283.415,"sentiment":"neutral","sentiment_score":-0.018559638410806656},{"text":"Oh, well, you know, yes.","start":288.78,"end":290.30002,"sentiment":"neutral","sentiment_score":0.06664822362363339}],"sentiment":"neutral","sentiment_score":-0.015264238251580133,"num_words":45,"start":264.44998,"end":290.30002},{"sentences":[{"text":"That's the way we were living, isn't it?","start":290.30002,"end":292.32,"sentiment":"neutral","sentiment_score":0.02594045246951282},{"text":"Awesome.","start":300.785,"end":301.285,"sentiment":"positive","sentiment_score":0.47911858558654785},{"text":"Lovely.","start":301.345,"end":301.845,"sentiment":"positive","sentiment_score":0.4409847855567932},{"text":"Okay.","start":301.98502,"end":302.305,"sentiment":"neutral","sentiment_score":0.32880932092666626},{"text":"I'll see what I can do.","start":302.305,"end":303.605,"sentiment":"positive","sentiment_score":0.4537787238756816}],"sentiment":"neutral","sentiment_score":0.24582992088707054,"num_words":17,"start":290.30002,"end":303.605},{"sentences":[{"text":"Yes.","start":307.345,"end":307.845,"sentiment":"neutral","sentiment_score":0.24283231794834137},{"text":"I know.","start":307.905,"end":308.385,"sentiment":"neutral","sentiment_score":0.25241076201200485},{"text":"I'll take I'll do my best.","start":308.385,"end":309.505,"sentiment":"positive","sentiment_score":0.36821460723876953},{"text":"I promise.","start":309.505,"end":310.165,"sentiment":"neutral","sentiment_score":0.29978351294994354},{"text":"No worries.","start":313.345,"end":313.905,"sentiment":"neutral","sentiment_score":0.18611932545900345}],"sentiment":"neutral","sentiment_score":0.3022113201709894,"num_words":13,"start":307.345,"end":313.905},{"sentences":[{"text":"Bye for now.","start":313.905,"end":314.885,"sentiment":"neutral","sentiment_score":0.017588578164577484},{"text":"See you.","start":316.20486,"end":316.86487,"sentiment":"neutral","sentiment_score":0.11752062290906906}],"sentiment":"neutral","sentiment_score":0.057561396062374114,"num_words":5,"start":313.905,"end":316.86487}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Oh, hello?\n\nChannel 1: Hello, Veronica. How are you?\n\nChannel 0: Go ahead. How are you?\n\nChannel 1: Yeah. Good. Thank you. I have Meryl from GenLife. I believe you may have tried to call her today.\n\nChannel 0: I just did, actually,\n\nChannel 1: Okay.\n\nChannel 0: so that's\n\nChannel 1: Yeah. Perfect. Are you okay for me to transfer you through?\n\nChannel 0: great. Yes, please. That would be great.\n\nChannel 1: Yep. Alright. In 321, you have Meryl.\n\nChannel 0: Thanks.\n\nChannel 1: Thank you.\n\nChannel 0: Hi, Mel. How are you?\n\nChannel 1: Alright. How are you?\n\nChannel 0: Good. Thanks for calling me back so quickly.\n\nChannel 1: That's okay. Sorry to leave you hanging for a bit. I'm dealing with a couple of little things at the moment, and I'm running about twenty minutes late for a meeting.\n\nChannel 0: Oh,\n\nChannel 1: Just\n\nChannel 0: oh,\n\nChannel 1: on\n\nChannel 0: no\n\nChannel 1: top\n\nChannel 0: goodness.\n\nChannel 1: of all of that. That's alright.\n\nChannel 0: Well, mine's\n\nChannel 1: Just\n\nChannel 0: mine's\n\nChannel 1: trying to\n\nChannel 0: very\n\nChannel 1: cope\n\nChannel 0: quick.\n\nChannel 1: with everything. Awesome. Far away.\n\nChannel 0: So, hopefully, it won't take up too much time. It's literally I just wanted to triple check. When you set up any child investment bond, then you obviously nominate an age you want it to vest to go to the children, essentially.\n\nChannel 1: Yep.\n\nChannel 0: Is that set, or can you change it? Like, if you were to set 25 and then at 18, as long as it's been more than ten years, they wanna take it out early, can they?\n\nChannel 1: The child or the the owner?\n\nChannel 0: The owner. So if the dad says,\n\nChannel 1: Yeah.\n\nChannel 0: no. Okay. Let's lock it into '25, but then let's say the kids turn 18, they're only five now,\n\nChannel 1: Yeah.\n\nChannel 0: And then he goes, oh, actually, they needed for house deposit or university fees or whatever it is, and he wants it to go to the kids\n\nChannel 1: He can\n\nChannel 0: earlier.\n\nChannel 1: change the transfer age. Yeah? So a child can\n\nChannel 0: Yes.\n\nChannel 1: own a bond in their own name from the age of 16 onwards.\n\nChannel 0: Yes.\n\nChannel 1: So, basically, he could change the transfer date for the child builder, if it's child builder.\n\nChannel 0: Yes.\n\nChannel 1: The other thing he could do is if he wanted to, he could cash it out himself and then just give the kids the money. If\n\nChannel 0: Yep.\n\nChannel 1: it's post ten years, obviously, there's no tax implications for him. However, if he does it prior to ten years, obviously, there'd be a tax assessable amount to him, and he that would be preferable. Otherwise, the children will be taxed on those amounts at child rates, which isn't ideal.\n\nChannel 0: No. Okay. Great. So would it the same be let's say he's says 18, and then when the kids turn 17, he goes, no. You are not mature or ready enough for it.\n\nI\n\nChannel 1: Yes.\n\nChannel 0: wanna push it out to 25.\n\nChannel 1: Yep.\n\nChannel 0: He could\n\nChannel 1: He could\n\nChannel 0: do that.\n\nChannel 1: absolutely do that. Yep. That might be\n\nChannel 0: Amazing.\n\nChannel 1: a good way to do it because you can always talk about that on review as well because\n\nChannel 0: Yes.\n\nChannel 1: you'll be\n\nChannel 0: Yes.\n\nChannel 1: reviewing this on the way. So that's probably\n\nChannel 0: Exactly.\n\nChannel 1: a good idea. Set it at eighteen, and then he can push it further out if he needs to.\n\nChannel 0: Yeah. Okay. That's because I was under the impression somehow that you said it and that's it.\n\nChannel 1: No. No. Not with Child Builder.\n\nChannel 0: That's\n\nChannel 1: You can\n\nChannel 0: great.\n\nChannel 1: push it out to a maximum age of 25, which is\n\nChannel 0: Yes.\n\nChannel 1: why a lot\n\nChannel 0: Yes.\n\nChannel 1: of people use Life Builder because you can go beyond that date. You can go out\n\nChannel 0: Yes.\n\nChannel 1: to as far as you need, but you've still got the same investment options, but just a lot more flexibility in terms of the outcomes you can achieve.\n\nChannel 0: Yes. I do love that. For this client, there's a bit of ex partner involvement, specifically\n\nChannel 1: Yeah. Right. So child\n\nChannel 0: restriction.\n\nChannel 1: builder could be a lot more useful then.\n\nChannel 0: So yes.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah,\n\nChannel 1: Okay.\n\nChannel 0: I just wanted to triple check the h. So that's amazing. That's great. That was all my\n\nChannel 1: Peeky\n\nChannel 0: questions\n\nChannel 1: peeky.\n\nChannel 0: today.\n\nChannel 1: No problem.\n\nChannel 0: Beautiful.\n\nChannel 1: Lovely.\n\nChannel 0: Thank you. Hopefully, your meeting goes well.\n\nChannel 1: Thank you. Hi. It's nice to you. I'm on my way now.\n\nChannel 0: Yeah. And if I don't speak to you, next week is my last week before I go on maternity leave.\n\nChannel 1: Oh,\n\nChannel 0: Otherwise,\n\nChannel 1: how exciting.\n\nChannel 0: I shall see you in twelve twelve months.\n\nChannel 1: Oh, I hope I do get to see you. I will\n\nChannel 0: Yeah.\n\nChannel 1: be around next week, so hopefully we can catch up.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: could potentially be down, I think, on the tenth, which I think is next Thursday.\n\nChannel 0: On Thursdays, our office is shut. So we are all work from home Thursday,\n\nChannel 1: That's not\n\nChannel 0: if\n\nChannel 1: gonna\n\nChannel 0: that's\n\nChannel 1: work\n\nChannel 0: the only\n\nChannel 1: then, is\n\nChannel 0: thing.\n\nChannel 1: it?\n\nChannel 0: No. I'll be in\n\nChannel 1: Might\n\nChannel 0: Monday,\n\nChannel 1: have\n\nChannel 0: Tuesday,\n\nChannel 1: to\n\nChannel 0: Wednesday, but\n\nChannel 1: oh,\n\nChannel 0: but\n\nChannel 1: I\n\nChannel 0: otherwise.\n\nChannel 1: might have to come in Wednesday, but I'll see\n\nChannel 0: Yeah.\n\nChannel 1: what I can do. Okay?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Love to see you, though,\n\nChannel 0: Beautiful.\n\nChannel 1: before you go. You've been a gem.\n\nChannel 0: Yes.\n\nChannel 1: Love working with you.\n\nChannel 0: You too. And we have obviously a new adviser starting to take over from me, so it might be good\n\nChannel 1: Oh,\n\nChannel 0: for you\n\nChannel 1: cool.\n\nChannel 0: too.\n\nChannel 1: Okay.\n\nChannel 0: Jenna. So,\n\nChannel 1: Jenna.\n\nChannel 0: yeah, just\n\nChannel 1: Okay.\n\nChannel 0: let Larissa know if you are wanting to come and say hello\n\nChannel 1: Yeah.\n\nChannel 0: and say goodbye,\n\nChannel 1: Well,\n\nChannel 0: and we can\n\nChannel 1: I did\n\nChannel 0: definitely\n\nChannel 1: try to come and\n\nChannel 0: sort\n\nChannel 1: see\n\nChannel 0: that\n\nChannel 1: her\n\nChannel 0: out.\n\nChannel 1: before, but, unfortunately, she was she had an emergency to deal with, so I wasn't\n\nChannel 0: Oh,\n\nChannel 1: able to see her the last time I was down.\n\nChannel 0: okay.\n\nChannel 1: So, hopefully, she's okay.\n\nChannel 0: Yeah. Oh, yes. Yeah. She had a bit of an a health personal situation,\n\nChannel 1: Yeah.\n\nChannel 0: and and she's, yeah, she's she's good now. She's back working crazy again. Sorry. I think\n\nChannel 1: Oh,\n\nChannel 0: that's\n\nChannel 1: well,\n\nChannel 0: good.\n\nChannel 1: you know, yes. That's the way we were living, isn't it?\n\nChannel 0: Yes. Yeah. It would be lovely to see you next week. And, yeah, just let Larissa know, and she will let all of us know if you do come in so that we can all be available.\n\nChannel 1: Awesome. Lovely. Okay. I'll\n\nChannel 0: Beautiful.\n\nChannel 1: see what I can do.\n\nChannel 0: Lovely. Well, I look forward to hopefully seeing you next week.\n\nChannel 1: Yes. I know. I'll take I'll do my best. I promise.\n\nChannel 0: Yeah. Beautiful. Well, thank you so much for today.\n\nChannel 1: No worries. Bye for now.\n\nChannel 0: Bye.\n\nChannel 1: See you.","paragraphs":[{"sentences":[{"text":"Oh, hello?","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.04170871153473854}],"sentiment":"neutral","sentiment_score":0.04170871153473854,"channel":0,"num_words":2,"start":1.36,"end":2.1},{"sentences":[{"text":"Hello, Veronica.","start":2.72,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.07827509008347988},{"text":"How are you?","start":3.6799998,"end":4.5,"sentiment":"neutral","sentiment_score":0.12669133643309274}],"sentiment":"neutral","sentiment_score":0.10732483789324761,"channel":1,"num_words":5,"start":2.72,"end":4.5},{"sentences":[{"text":"Go ahead.","start":4.7999997,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.13794296979904175},{"text":"How are you?","start":5.3599997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.11201829711596172}],"sentiment":"neutral","sentiment_score":0.12238816618919372,"channel":0,"num_words":5,"start":4.7999997,"end":6.2599998},{"sentences":[{"text":"Yeah.","start":6.48,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.1854355037212372},{"text":"Good.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.4728955030441284},{"text":"Thank you.","start":7.12,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5635101795196533},{"text":"I have Meryl from GenLife.","start":7.9199996,"end":10.179999,"sentiment":"neutral","sentiment_score":0.14542204439640044},{"text":"I believe you may have tried to call her today.","start":10.48,"end":12.9,"sentiment":"neutral","sentiment_score":0.054508120939135554}],"sentiment":"neutral","sentiment_score":0.16092330511463315,"channel":1,"num_words":19,"start":6.48,"end":12.9},{"sentences":[{"text":"I just did, actually,","start":13.44,"end":15.415,"sentiment":"neutral","sentiment_score":0.06338461861014366}],"sentiment":"neutral","sentiment_score":0.06338461861014366,"channel":0,"num_words":4,"start":13.44,"end":15.415},{"sentences":[{"text":"Okay.","start":15.28,"end":15.78,"sentiment":"neutral","sentiment_score":0.09176300466060638}],"sentiment":"neutral","sentiment_score":0.09176300466060638,"channel":1,"num_words":1,"start":15.28,"end":15.78},{"sentences":[{"text":"so that's","start":15.415,"end":15.995,"sentiment":"neutral","sentiment_score":0.12917624041438103}],"sentiment":"neutral","sentiment_score":0.12917624041438103,"channel":0,"num_words":2,"start":15.415,"end":15.995},{"sentences":[{"text":"Yeah.","start":16.715,"end":16.955,"sentiment":"neutral","sentiment_score":0.21718254685401917},{"text":"Perfect.","start":16.955,"end":17.435,"sentiment":"positive","sentiment_score":0.5120136141777039},{"text":"Are you okay for me to transfer you through?","start":17.435,"end":20.015,"sentiment":"neutral","sentiment_score":0.18300171941518784}],"sentiment":"neutral","sentiment_score":0.21601923961531033,"channel":1,"num_words":11,"start":16.715,"end":20.015},{"sentences":[{"text":"great.","start":19.735,"end":20.235,"sentiment":"positive","sentiment_score":0.48052364587783813},{"text":"Yes, please.","start":20.295,"end":20.935001,"sentiment":"positive","sentiment_score":0.3743222653865814},{"text":"That would be great.","start":20.935001,"end":21.915,"sentiment":"positive","sentiment_score":0.5716883093118668}],"sentiment":"positive","sentiment_score":0.5022744876997811,"channel":0,"num_words":7,"start":19.735,"end":21.915},{"sentences":[{"text":"Yep.","start":21.994999,"end":22.154999,"sentiment":"neutral","sentiment_score":0.19303026795387268},{"text":"Alright.","start":22.154999,"end":22.555,"sentiment":"neutral","sentiment_score":0.16061726212501526},{"text":"In 321, you have Meryl.","start":22.555,"end":24.735,"sentiment":"neutral","sentiment_score":0.08308508545160294}],"sentiment":"neutral","sentiment_score":0.10986756533384323,"channel":1,"num_words":7,"start":21.994999,"end":24.735},{"sentences":[{"text":"Thanks.","start":25.175,"end":25.675,"sentiment":"neutral","sentiment_score":0.31684210896492004}],"sentiment":"neutral","sentiment_score":0.31684210896492004,"channel":0,"num_words":1,"start":25.175,"end":25.675},{"sentences":[{"text":"Thank you.","start":26.154999,"end":26.895,"sentiment":"positive","sentiment_score":0.3497810959815979}],"sentiment":"positive","sentiment_score":0.3497810959815979,"channel":1,"num_words":2,"start":26.154999,"end":26.895},{"sentences":[{"text":"Hi, Mel.","start":30.455,"end":30.99,"sentiment":"neutral","sentiment_score":0.16003944724798203},{"text":"How are 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The agent explains that the customer can change the transfer date and cash out the money directly to the children. The customer asks about child restriction and the agent explains that it is not possible with the child restriction but is suggested to call the agent if the customer wants to. The agent also explains that the customer can change the transfer date and cash out the money directly to the children."},"intents":{"segments":[{"text":"Set it at eighteen, and then he can push it further out if he needs to.","start_word":492,"end_word":507,"intents":[{"intent":"Discussing plans for raising age limit","confidence_score":2.1862922e-7}]},{"text":"Set it at eighteen, and then he can push it further out if he needs to. Yeah.","start_word":492,"end_word":508,"intents":[{"intent":"Discussing rescheduling of age limit","confidence_score":3.5213844e-7}]},{"text":"of people use Life Builder because you can go beyond that date. You can go out Yes. to as far as you need, but you've still got the same investment options, but just a lot more flexibility in terms of the outcomes you can achieve. Yes.","start_word":551,"end_word":596,"intents":[{"intent":"Discussing life builder","confidence_score":0.04978533}]},{"text":"to as far as you need, but you've still got the same investment options, but just a lot more flexibility in terms of the outcomes you can achieve. Yes.","start_word":568,"end_word":596,"intents":[{"intent":"Discussing investment options","confidence_score":0.18372577}]},{"text":"And if I don't speak to you, next week is my last week before I go on maternity leave. Oh, Otherwise, how exciting.","start_word":676,"end_word":698,"intents":[{"intent":"Discussing future meetings","confidence_score":0.0406391}]},{"text":"I shall see you in twelve twelve months. Oh, I hope I do get to see you. I will Yeah. be around next week, so hopefully we can catch up. 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So, hopefully, it won't take up too much time. It's literally I just wanted to triple check. When you set up any child investment bond, then you obviously nominate an age you want it to vest to go to the children, essentially. Yep. Is that set, or can you change it? Like, if you were to set 25 and then at 18, as long as it's been more than ten years, they wanna take it out early, can they? The child or the the owner? The owner. So if the dad says, Yeah. no. Okay. Let's lock it into '25, but then let's say the kids turn 18, they're only five now, Yeah. And then he goes, oh, actually, they needed for house deposit or university fees or whatever it is, and he wants it to go to the kids He can earlier. change the transfer age. Yeah? So a child can Yes. own a bond in their own name from the age of 16 onwards. Yes. So, basically, he could change the transfer date for the child builder, if it's child builder. Yes. The other thing he could do is if he wanted to, he could cash it out himself and then just give the kids the money. If Yep. it's post ten years, obviously, there's no tax implications for him. However, if he does it prior to ten years, obviously, there'd be a tax assessable amount to him, and he that would be preferable. Otherwise, the children will be taxed on those amounts at child rates, which isn't ideal. No. Okay. Great. So would it the same be let's say he's says 18, and then when the kids turn 17, he goes, no. You are not mature or ready enough for it. I Yes. wanna push it out to 25. Yep. He could He could do that. absolutely do that. 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