{"metadata":{"transaction_key":"deprecated","request_id":"01a01886-764c-73f0-ba00-fb08a2180f05","sha256":"67d9e01edabc876ae624fc3b2db09403c79b103fc1650d4797234cbc6d710783","created":"2026-08-19T05:37:42.671Z","duration":2004.3359,"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":7449,"output_tokens":90},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8205,"output_tokens":8221},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8205,"output_tokens":1578}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Bianca. This is Dana. How are you this afternoon? I'm very well. Thank you. How's your day been so far? Oh, no. Wow. Yes. Oh, no. Oh, oh, no. What a day. Goodness me. Yeah. Yeah. Yes. Yes. Absolutely. That's kind of why I like to send the adviser and not having any senior management roles or anything like that. I'm happy for someone else to do all of that aspect, and I just talk to clients and do advice and yeah. No. Absolutely. Well, hopefully, your afternoon gets a little bit better. I do have your advice document ready to go if you're comfortable going through that now with me. That's fair. Yeah. You're right. Not a problem at all. Beautiful. Is that working for you? Oh, that's okay. You're absolutely fine. You're fine. Yeah. You're right. Not a worry at all. I was almost I was in the process of sending you a message just to let you know it was me because I was like, oh, you're probably busy in a meeting or you're screening the call, so I'll quickly text you after I left the message to make it easier. Yeah. I can. Yeah. Yep. You can hear me okay? Yeah. Absolutely. Yeah. Oh, wow. Yep. So it should've come through from OdooSign or from my email. Yep. That's the one. So if you click on the button that says sign the document, it'll take you through so you can see the statement of advice, and it has your name on the very front there with the 08/19/2026. Yep. Beautiful. Excellent. Now all of our advice is valid for sixty days from the date on the document. And it's stated today, so you have sixty days from presentation to review it and decide whether you're wanting to take the advice on. On the front page has my license registration number, so I'm a licensed adviser through ASIC, and my registration number is 1304394. Okay. With this, I'll take you through the sections that we need to sort touch on to go through the the areas that we need to, and then I'll let you go back to have a really good rate of the document as well. Because as I'm sort of talking through it, sometimes it can be a little bit overwhelming with all the bits and pieces, so giving you time to go back and read it through and take it in is really important as well. Okay? Excellent. As we are sort of scrolling through pages three, four, and five, we've got the areas that we are just scoping in and out. So we're looking at superannuation. We're looking at insurances for you there as well, and I've scoping the estate planning to make sure your beneficiaries are set up in line with your wishes. Okay? Areas that we've scoped out for now is looking at potential property, investment properties, and investments outside of super. We can definitely look at those down the track when you are ready to have that more in-depth conversation. For now, we'll just sort out your super insurances and then work on the next thing for you. Okay? Excellent. If I can get you to move down or scroll, sorry, down to page number 12, this is the start of the recommendations there for you. Beautiful. So with this one here, I did go back and have a look at Hub twenty four as well as any other super fund out there, making sure that you were in a good fund, that it was working for you, but also reassessing the investments because we had noted that some of those were underperforming a little bit. I have recommended that we do stay with Hub twenty four. I know it wasn't your favorite fund, but one of the biggest things that I do look at when we do look at super funds is the the CGT cost around the selling and the changing of investments. So, essentially, I did look at you know, hub twenty four does realistically have the most amount of investments available out of most of the adviser platforms. And if we were to sell down your total portfolio, the CGT cost was so much higher. So it does work out better to retain Hub twenty four and be able to switch the investments within in them to make them work a bit harder for you. If you are finding that you are struggling with Hub 24 that the the app or, you know, utilizing it isn't working well for you, let me know. I'm happy to send you reports and break things down and give you updated balances and things like that on a more regular basis as well. But it just didn't work out cost effective to move you to a whole another platform. So I have recommended to retain Hub twenty four and switch the investments within that. I am recommending that you keep your salary sacrifice as it is at the moment. So it is working really well for you because you are obviously, you have a family and kids. I didn't wanna eat away too much of your income. But because your income does increase quite regularly each year, as you move up in the tax brackets, it might be worthwhile looking at later down the track at additional ways to help reduce tax without that being your total goal, looking at ways to help kind of, you know, reduce or limit the amount of tax payable and benefit super down the track. So I look to retain your salary sacrifice as it is and just sort of switch those investments out there for you. To show you how I'm going to change those investments to make it easier, if you move down to page number 18, Beautiful. So this is the fee comparison table. So it essentially shows you the reason behind my recommendations. As I kinda mentioned, when we do make switches of investments, like your super fund, just like you, does a tax return every year, they pay income tax and capital gains tax and things like that. So when I looked at how to switch the investments and make the changes, the changes I'm recommending will result only in about a $127 as a CDT consequence for your super. So it essentially means that your balance is $191,001.28 currently. We only expect after the changes a 127 in CGT, which means your starting balance remains higher. With the new changes, and I'll take you through individually in a second, the new portfolio is also cheaper in investment fees. So you're currently paying 851 for the year in investment fees for the current portfolio. The newer portfolio I'm recommending saves you about $284 in investment fees there. So that outweighs the CGT cost of making the switch and makes the portfolio cheaper for you long term as well. I also noted that because of the difference in balance, obviously, our ongoing adviser fee is reduced a little bit as well, expected to save you about $65 for the year. And then I have made a recommendation on insurances to factor in as well. That does mean the insurance cost expected is to be a little bit higher. The other thing I sort of look at and factor in is how the portfolios have been performing. So you're currently in that high growth environment wanting to take a bit more risk in the market to get those greater potential returns. The newer portfolio has averaged about 9.77% on a yearly basis over the past five years, whereas the new portfolio has averaged about 11.33%. So when we take into account switching the investments to CGT costs, the reduction investment fees, and how the the newer portfolio has performed in the past, we can see as per the projection table below that it's expected to put you in a greater position over the next five to ten years, which is really good and important. Okay? Do you have any questions so far? No? Beautiful. If you scroll further down there for me to page number 20, this is the switch of the investment. Yeah. You're right. Beautiful. So on here, we've got the table noting all the different investments and how you are invested within your super fund currently. So, essentially, in order to make the changes, we have all the investments noted here. The red and the green is what we're gonna be selling down and buying. And then the last two columns, your target waiting and target balance is where we see your balance once once the switch has been completed. So, essentially, we are gonna sell off all the battery and lithium tax, remove the ban along Australian equities as it's been underperforming, remove the bank hybrids as they are being phased out down the track there as well, and the China new economy will be completely gone there as well. We are gonna keep the physical gold that has been performing well, but you're a bit overweighted there at the moment. So we just wanna sell some of the gains and submit those and then have that redistributed the compounding into your portfolio. We've also got the cybersecurity there. So you're a bit overweighted at the moment. We're gonna sell a little bit of that off to bring you back to 7%. It's a bit of a rebalance there as well. The S and P 500, you've got about 34.10%, so we only really wanna hold about 25% in the portfolio. So we're gonna sell some of that off and just rebalance you back to 25%. The Van Ness property property has been a little bit of a dip, especially since the changes have come into play where it's been underperforming in your portfolio as well. So we're removing that completely. We've also got the a beta shares Raffy two hundred. We found a much cheaper way to hold Australian equities, so we are removing this from the portfolio completely as well. What we're gonna be adding into sorry. The Raffy. My apologies. I'm looking at the wrong line. We're gonna get a whole 50%. We're keeping some of that in there. Sorry, Bianca. I'm looking at the wrong line. We're gonna keep some of the raffy in there for you. We are kinda gonna get rid of just sell it off to rebalance a little bit back there for you, but we do wanna hold Australian equities, and we found a much cheaper way to hold more Australian equities. We're going to add in there the India Quality ETF. We wanna hold about 7% weighting in there. India is a rally a really good place to see growth. And then we've also seen the got the Global X Healthcare. This is Global Healthcare, so giving you exposure to health care across the globe, essentially. And then as I mentioned before, we're getting rid of the ban along Australian equities and rebalancing the Raffy back a little bit, but we're also gonna hold the a 200. So between the Australia 200 and the Raffy 200, we're giving you exposure to about a bit over 25% in Australian equities there. So you do wanna hold as much as we can, but it's making sure that you've got a good weighting, and it's actually increasing your diversification into Australian equities as well whilst reducing the cost of the portfolio. So we'll buy into the a 200 there, and you'll hold about 10% of that and then 15% of the a 200 portfolio. Because you are realistically younger and can can sustain a little bit of more risk in the portfolio, I've also included the JPMorgan Global Research Enhanced Equity Fund. This here is more of an actively managed fund, so it utilizes JPMorgan's research team to look for areas of growth. It is a cheap fund to have, but it does give you a little bit of active management in there as well. And it's global, so it's well diversified, and it's not an expensive fund to hold as well. So we do wanna hold about 15% of that in your portfolio. We'll keep to monitor that moving forward. And if we find it's not performing the way we hoped it would, we'll look to swap it out. But this year, it has done really, really well, and JPMorgan's research team is one of the biggest in the globe. So it is well worth having a little bit of exposure into that for you. And then we've also got the core composite bonds there. So we are removing the bank hybrids out of the portfolio. We still wanna hold some defensive assets. When you're in that high growth environment, we still wanna hold around about 10%. We do hold roughly 10%, but we have a variance of about 5% in our portfolio. So we're only gonna only gonna hold 7% of this investment, making sure that we're still having defensive assets, but making sure that you do, you know, have a good quality of growth assets within your portfolio as well to obtain greater growth. This is in a high growth environment, so we'll keep monitoring it to make sure that it is working harder for you. If at any point any of these starts to underperform, we'll look to move them out nice and quick. But, essentially, once that switch has been made, you'll essentially see some physical gold, the cybersecurity. You'll have access to the S and P 500 and Australian equities. We'll see some India exposures in health care and that JPMorgan Global retouched enhanced Equity Fund in there and then some defensive assets like bonds in there as well. So that's essentially the changes that we do wanna make to the portfolio. Do you have any questions about that? No. Beautiful. Excellent. The next page, it does have your cash account there. So at the moment, within Hub twenty four, we only really need to hold about 1.25% cash. That's their minimum cash holding. We you currently have about 1.80%. So we are gonna take about a thousand of that and reinvest it. Realistically, it costs you money to have money sitting in cash. So we we just wanna make sure as much of your portfolio is invested as absolutely possible and just hold the minimum cash balance there for you. That is essentially how we'll see the waiting. If you look at the next page down, it essentially shows you the proposed versus the current asset allocation. So generally speaking, as I mentioned, in that high growth environment, you have that ninety ten split. With what we've proposed with the investments, you're gonna see about 93 in growth assets, so Australian and international equities property and alternative growth assets like gold, and then just about 7% in those fixed interest low risk investments like bonds. So that's essentially how we'll see that split changing. It is increasing your growth exposure from where you currently are. You're a little bit under that 92.60, and you have about 7.40% in defensive assets at the moment. So it is increasing that exposure into growth assets a little bit and decreasing your defensive exposure, but we'll keep monitoring that. If you do find at any point that you're a bit unsure about being in that high growth portfolio or you are a bit concerned about the markets, please let me know. More than happy to talk you short and or reassess your risk profile at any point in time. One of the biggest things is it's fine to be in a high growth environment at your agent stage, but it's also gotta be to your comfort level as well. And we can always you know, if we start to reduce the risk, look at maybe increasing contributions down the track to kinda mitigate the the risk reduction as well. Okay? Excellent. Do you have any questions so far at all? No? Easy. If you move down to page number 23, the next thing that we were looking at was the insurance side of things for you. So as I kinda went through the insurance side of things for you. So as I kinda went through the projection table above, we also talked about last time looking at adding some income protection. Initial the initial recommendation was we were gonna start by increasing your life and TPD, but we started this call to sort of hold back on the life and TPD, keep it at the same level that you do have. With your life and total permanent disability, you currently have a sum insured of 863,258. You mentioned that you were comfortable with me just adding that income protection to show you what that would look like, and then you get to go back and decide whether you want the income protection or not. Based on your current income at a 165,000, It means we would be adding income protection to give you a monthly benefit of 9,625. We're looking at a thirty day waiting period, so you don't have to be off work for as long in order to claim on the policy. But last time we called up, you were happy just a two year benefit knowing what you do for work and mostly administration. You did kinda feel that was fairly appropriate. Do you still feel like that benefit period's fairly appropriate? Has anything changed in your mind with regard to that? That's, yeah, that's how long you can be on an income protection claim for. Realistically, under sort of the way it works, most claims are dealt with within that two year period. As you can imagine, insurers don't really wanna be paying claims for a long period of time. So when and if you are off work, they're gonna be trying to find ways for you to get back to work. You can also have a five year benefit period. It does increase the cost of the cover, and you can have an age 65 benefit period as well. So if you did wanna look at those additional quotes, I'm happy to generate them for you. It's not a problem. It's just that when we spoke last time, you were okay with a two year benefit period to try and keep the cost lower. We also talked about the risk of something happened being an admin worth out, same as me. We can realistically work from home as well. So the risk of, you know, something happening to us would have to be pretty drastic to be able to make that claim there. But has anything changed with regard to that? Do you sort of feel that that's fairly still appropriate? Or that's just yeah. That that's okay. All good. At the moment, the total premium paid out of Super four year policy, you paid $431.83 for the year by adding the income protection. And we're adding it with MetLife because we're attaching it to your current life and TPD policy, which means that we do get a discount. We get a multi policy discount for linking them. And it essentially means that it would increase your total premium to $1,467.24. That is the amount that's taken out of super for that for the year. You the insurer actually receives the $1,726.17. But because of the way taxation is in super, you get a rebate or a bit of a discount for the premium when it is taken out of the super system. So you actually pay a little bit less to that, 15% less for the premium than what the insurer receives, which is great. It would be great if we got those kinds of discounts all the time. Unfortunately, it's just the super. So that's just, Yeah. Sure. Mhmm. A lice NTBD. Yeah. Yeah. That's how, yeah, that's how much the insurer has received. The amount that's come out of super is the $4.31. You get a 15 percent discount on that. So you pay a little bit less for the premium. And then if you yep. Yep. Yep. Yep. Yep. Correct. Yep. Yep. Yep. Yeah. Yeah. Yeah. Absolutely. In the appendices that we have attached, as I mentioned last time, I also added the alternative projection to show, obviously, the projected outcome if you decide not to take the income protection side of things, because one of the things we talked about was whether you felt like you needed income protection at the time. With the with the ten year projection, obviously, it shows in the SOA there on page 18 that over the next ten years, given the current projection table, you could end up with $3.71 in five years' time or 623,000 in ten years' time. With not taking the income protection, if you decide you don't need that anymore, then, obviously, the projection is increased by a difference of about 14,398. So over the course of ten years, we're still moving into the newer portfolio and making the other changes but not taking income protection. The ten year premium projection means you could end up with about 637,000. So it's a little over $14,000 difference in the ten year projected outcome, but it also comes down to your comfort level as well. So you're welcome to run your eyes over that. Have a think about what your goals are and what your level what your comfort level is. And if you decide you don't want the income protection, that's absolutely fine. On the very last page, we've got that little multiline text box for you. You can just make a note in there that outlines what you are not wanting to take on board as part of the recommendations. Okay? Excellent. Essentially, keeping it with MetLife is appropriate because, obviously, you get a bit of a discount when you link all the policies together. MetLife also has some additional other benefits there, so I'm not really sure if you're aware. But as you still you do have life and TBD with MetLife. You do have access to the MetLife three sixty health. That's at no additional cost to yourself, and it provides virtual access to a range of health and well-being services to you and your family members. These include things like mental health support, expert medical opinions, nutrition, fitness, and mobility, and recovery. If you have a look in the PDF that I have attached there for you, it outlines a bit more about the MetLife three sixty health platform and what that can help you with. And because you've got that life and TPD with MetLife, even if you don't take the income protection side of things, you still got access to that benefit. So have a look in the PDF there as to what kind of benefits that they offer. You might be able to get some, you know, free nutritional fitness mobility, you know, clinical support from doctors and things like that as well. Okay? Yeah. Excellent. If you scroll down a little bit further for me just to, sorry, page number 30, this is essentially going through the next part of the recommendations with the insurances. So the other side of it was looking at trauma for yourself and then child trauma for the two kids, looking at around about a 120,000 of trauma for yourself paid out of pocket, and then making sure that the kids had a 100,000 of child trauma age as well to make sure that they were covered. I did review the last recommendation with the newer policies. I'm still recommending Clearview for that solely because Clearview is still a really good policy provider. MetLife don't offer child trauma policies. They have, like, an optional extras policy, but it's not child trauma as such. So we did have to look elsewhere to make sure that you could have those set policies. For Oliver and Parker, we're looking at the same as last time. I am also recommending that we add a little bit of life cover to the trauma policy. Essentially, it does work out a lot cheaper to link the policies together. You get that multi policy discount side of things. So by linking the trauma and the the life together, it essentially shows the monthly premium expected is $28.71 there. If we just looked at the trauma policy and the child trauma on its own without the additional sorry. I'm just gonna add these two together because it's $17.26 and $28.71 to include all the policies. So for the child trauma policies and the life and trauma for yourself, the two policies added together, it's $45.97. If we did not link the life policy to that, the out of pocket premium for your adult cover plus the child trauma policies was about $54.43. So it worked out cheaper to link a little bit of life cover to it. But then, also, one of the benefits to having that life cover outside of SUFA is you do get that funeral benefit as well. So if in the event that you were to pass away with just having that life cover held inside super, there's no upfront kind of immediate expenses for funeral costs that can be paid out. Your family has to go through the claims process to have the money released, Whereas having this little bit of insurance or life cover outside of super means that once the the death certificate is provided, your family or your executor of your will can go and claim, or the beneficiary, you know, whoever you sort of nominated can go and claim that 25,000 from Clearview as an upfront cost to cover your to your funeral, sorry, and any immediate expenses that are sort of brought up as due to the your passing or related to the kids around those sorts of areas. So it does provide you with that benefit that you don't get with having that life cover inside super, but it's also making the total policies cheaper between the three of them by giving you that multi policy discount there as well. Again, this is sort of showing you how it works. In the appendices, I've also got a breakdown of just stand alone trauma policy with the child trauma there just so you can see the difference and you get to decide what's more comfortable for you. Okay? Excellent. That is essentially most of the recommendations around it around that we've made. You've got the advantages, disadvantages, the risks involved. I've also noted the best interest, Judy, and linked all of this back to your goals as well. So you're welcome to have a bit of a read through. The only other thing to kinda yes. Yeah. Sure. Yes. It is. No. No. It's a 100,000 per child. Yeah. No. It's it's 17 covers both. It's a monthly premium for the two child trauma policies. Yeah. Yeah. Yeah. Nice. No. You're absolutely fine. It's absolutely fine. It just it's the way Cleave you kinda notice it, but it is just a $17.26 per month for that one. And then the same as last time, like, with these policies, the best thing about them is that you're making or setting them up while they're young. So when they do turn 21, the policies revert to adult life policies, and they've had these policies in place. So any additional there's no additional underwriting for the transfer of these policies to their name when they're older, which is kind of cool. It just sort of protects them in the event that something happens. And it also pays out a lump sum benefit of the funds if they pass away as well. So child trauma pays out in the event of a major traumatic condition, but if they pass away, you can also claim on that policy as well. So it kinda gives you a little bit of extra cover for a very small out of pocket cost, essentially. Yeah. All good. The other side of that is just the beneficiary side. So we did make that we did talk about how you wanted in the event of passing, essentially, the funds to be paid directly to your two kids. I've updated the beneficiary recommendations to the legal personal representative on your super, the MetLife life policy, and also the new recommended Clearview life policy as well, which essentially means that in the event that you were to pass away, all of the having this updated means that all of the super and life insurance proceeds are directed through your will. And then it's just really important that your will is done up, and that is stipulated in the body of the will, how you would like those funds to be paid so they are paid to your kids. One of the biggest things is because they are so young, the funds are not paid directly to the minor children. They're paid to their guardian. So having it directed through your will means that you can have, you know, trust set up. You can have stipulations made on who the money goes to, whether you want, you know, more than one person to be the guardian of the funds and pay the funds out in certain ways, income streams as they get older, or if you wanna pay to a certain adult to make sure the kids do receive the funds and can, you know, cover school costs, the university costs, and things like that as well. So it does give you a lot more clarity and control over how you want those funds to be paid. So I did update that recommendation to reflect to make sure that any any of your life and super proceeds are paid direct to your will. And then it's just important to have a solicitor review your will, power of attorney, and probably guardianship documents as well just to make sure that everything is set as per your wishes. And that's something we've definitely talked about in the past where, you know, you're like me, our kids are everything, and we just wanna make sure that they are looked after and protected. And you work well and truly way too hard to have that money wasted away and not directed to where you want it to be, essentially. Yeah. Especially after the day, it seems like you've had. No. It's all good. Look. A lot of this is very much the same as what I recommended last time. I did go back and review everything to make sure it was on par. MetLife, with the income protection linking, it did definitely cost a lot less than, say, having it done through ClearView. And MetLife are a really good provider of insurances. So feel free to run your eyes over that. Have a read through the advantages, the disadvantages, and, obviously, the best interest duty. If you find you have any questions, you're welcome to let me know by phone call or email. I'll happily answer anything that you have. On the very last page there, we do have the text box, the multiline text box that outlines essentially, if there's any part of the recommendations that you're choosing not to take on board to absolutely make a note in there, and we review that for you as part of it. And I've also got depending on how much reading you enjoy doing, I've got the MetLife PDF for you, the HUB24 PDF, and the Clearview PDF as well. So you're welcome to, you know, run your eyes over that, have a look at the different conditions that I covered, have a look at the different, you know, exclusions and policy information around each of the different policies to sort of get your head around it. And feel free to come back and let me know if there's any additional questions there. Okay? Excellent. I try to keep it not too crazy because it's a lot to kinda go through when you're sort of looking at the documents. So I like to just make sure that you get the information that you need, and then you get to take it back and have a bit of a read of it, have a a glass of wine or a nice hot coffee or whatever your poison might be, and just sort of sit back and have a really good read of the document. I do also just have to let you know before we sort of end the phone call that we do receive remuneration from the insurers for recommending and writing these insurance policies. It is really important to note that that has no effect on my recommendations in any way, shape, or form. We provide advice under the best interest duty, which is part of the corporations act. So any advice is there to meet your goals and be in your best interest. Under the legislation with regard to remuneration, we do receive 56% of the first year's premium and then 22% there ongoing, but we have a duty to disclose that to you. That is noted in the advice document on page 44 as well and 45 so you can see how much we are expected to receive based on that. But we will review things, and if you decide you don't wish to take on any of that, that's absolutely fine. We're just disclosing everything to make sure that we're open and honest with you in regard to it. Okay? Excellent. Fantastic. If you just yeah. Yeah. You're fine. You like a hug? Yeah. Absolutely. Not a problem. Yeah. Excellent. No problem at all. That's basically everything. I hope you have a lovely afternoon, and, yeah, just come back if there's any questions at all. Easy. My pleasure. Thank you for your time this afternoon. I hope you have a good afternoon. Thanks, Bianca. See you later.","confidence":0.9980469,"words":[{"word":"hi","start":1.92,"end":2.1599998,"confidence":0.9609375,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.21732378005981445},{"word":"bianca","start":2.1599998,"end":2.56,"confidence":0.99902344,"punctuated_word":"Bianca.","sentiment":"neutral","sentiment_score":0.24232670664787292},{"word":"this","start":2.56,"end":2.72,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.20137642323970795},{"word":"is","start":2.72,"end":2.8799999,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.18735969066619873},{"word":"dana","start":2.8799999,"end":3.1999998,"confidence":0.96240234,"punctuated_word":"Dana.","sentiment":"neutral","sentiment_score":0.19588524103164673},{"word":"how","start":3.1999998,"end":3.36,"confidence":1.0,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.3341756761074066},{"word":"are","start":3.36,"end":3.4399998,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.29922038316726685},{"word":"you","start":3.4399998,"end":3.6,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30938097834587097},{"word":"this","start":3.6,"end":3.84,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3768804967403412},{"word":"afternoon","start":3.84,"end":4.34,"confidence":1.0,"punctuated_word":"afternoon?","sentiment":"positive","sentiment_score":0.34669506549835205},{"word":"i'm","start":6.64,"end":7.04,"confidence":0.9765625,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6121484041213989},{"word":"very","start":7.04,"end":7.3599997,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6694709658622742},{"word":"well","start":7.3599997,"end":7.68,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.6443517804145813},{"word":"thank","start":7.68,"end":7.8399997,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7446167469024658},{"word":"you","start":7.8399997,"end":8.0,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6689095497131348},{"word":"how's","start":8.0,"end":8.24,"confidence":0.9519043,"punctuated_word":"How's","sentiment":"positive","sentiment_score":0.4093282222747803},{"word":"your","start":8.24,"end":8.48,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32479873299598694},{"word":"day","start":8.48,"end":8.72,"confidence":1.0,"punctuated_word":"day","sentiment":"positive","sentiment_score":0.4808019995689392},{"word":"been","start":8.72,"end":8.96,"confidence":0.5527344,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.34498417377471924},{"word":"so","start":8.96,"end":9.2,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.33897364139556885},{"word":"far","start":9.2,"end":9.7,"confidence":0.9995117,"punctuated_word":"far?","sentiment":"positive","sentiment_score":0.3480740785598755},{"word":"oh","start":16.904999,"end":17.305,"confidence":0.9782715,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.05352150648832321},{"word":"no","start":17.305,"end":17.805,"confidence":0.99902344,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.06056850403547287},{"word":"wow","start":18.265,"end":18.765,"confidence":0.9995117,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":-0.016151120886206627},{"word":"yes","start":23.145,"end":23.645,"confidence":0.7963867,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0625758022069931},{"word":"oh","start":32.28,"end":32.78,"confidence":0.8654785,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.29525092244148254},{"word":"no","start":32.84,"end":33.34,"confidence":0.99609375,"punctuated_word":"no.","sentiment":"negative","sentiment_score":-0.3786315321922302},{"word":"oh","start":34.6,"end":35.1,"confidence":0.6953125,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.04365118220448494},{"word":"oh","start":35.48,"end":35.96,"confidence":0.89086914,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.07222100347280502},{"word":"no","start":35.96,"end":36.46,"confidence":0.9970703,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.13287946581840515},{"word":"what","start":37.32,"end":37.64,"confidence":0.9770508,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.21564772725105288},{"word":"a","start":37.64,"end":37.879997,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2091321349143982},{"word":"day","start":37.879997,"end":38.28,"confidence":0.98413086,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":-0.18552914261817932},{"word":"goodness","start":38.28,"end":38.78,"confidence":0.9995117,"punctuated_word":"Goodness","sentiment":"neutral","sentiment_score":-0.09975185245275496},{"word":"me","start":38.84,"end":39.34,"confidence":0.98950195,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.091533362865448},{"word":"yeah","start":42.945,"end":43.445,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06628359854221344},{"word":"yeah","start":43.585,"end":44.085,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08049315959215164},{"word":"yes","start":46.785,"end":47.285,"confidence":0.99316406,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.05552223324775696},{"word":"yes","start":47.505,"end":48.005,"confidence":0.99902344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0027215220034122467},{"word":"absolutely","start":48.145,"end":48.645,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.04559719190001488},{"word":"that's","start":48.865,"end":49.185,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.03383985906839371},{"word":"kind","start":49.185,"end":49.345,"confidence":0.9873047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0022608041763305664},{"word":"of","start":49.345,"end":49.505,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00390036404132843},{"word":"why","start":49.505,"end":49.745003,"confidence":0.99609375,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.005812980234622955},{"word":"i","start":49.745003,"end":49.825,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.028254330158233643},{"word":"like","start":49.825,"end":50.065002,"confidence":0.9819336,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.014339245855808258},{"word":"to","start":50.065002,"end":50.145,"confidence":0.9370117,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0037609264254570007},{"word":"send","start":50.145,"end":50.385002,"confidence":0.24194336,"punctuated_word":"send","sentiment":"neutral","sentiment_score":-0.02270425856113434},{"word":"the","start":50.385002,"end":50.625,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02416820079088211},{"word":"adviser","start":50.625,"end":51.125,"confidence":0.8222656,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":-0.019239328801631927},{"word":"and","start":51.505,"end":51.745003,"confidence":0.8935547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02885080873966217},{"word":"not","start":51.745003,"end":51.985,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03257773816585541},{"word":"having","start":51.985,"end":52.305,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.06504166126251221},{"word":"any","start":52.305,"end":52.545002,"confidence":0.9394531,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.10059554874897005},{"word":"senior","start":52.545002,"end":52.865,"confidence":0.9970703,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":-0.21815374493598935},{"word":"management","start":52.865,"end":53.365,"confidence":0.9980469,"punctuated_word":"management","sentiment":"neutral","sentiment_score":-0.20532505214214325},{"word":"roles","start":53.505,"end":53.745003,"confidence":0.9941406,"punctuated_word":"roles","sentiment":"neutral","sentiment_score":-0.1734001636505127},{"word":"or","start":53.745003,"end":53.905,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1274665892124176},{"word":"anything","start":53.905,"end":54.305,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.0497312918305397},{"word":"like","start":54.305,"end":54.545002,"confidence":0.98291016,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.10992792248725893},{"word":"that","start":54.545002,"end":54.785,"confidence":0.9902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.0594591461122036},{"word":"i'm","start":54.785,"end":55.025,"confidence":0.9926758,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.01935313269495964},{"word":"happy","start":55.025,"end":55.265,"confidence":0.9951172,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.02789999544620514},{"word":"for","start":55.265,"end":55.56,"confidence":0.89208984,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07358475029468536},{"word":"someone","start":55.56,"end":55.800003,"confidence":0.9741211,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.10662762075662612},{"word":"else","start":55.800003,"end":55.960003,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.13362377882003784},{"word":"to","start":55.960003,"end":56.04,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1034715548157692},{"word":"do","start":56.04,"end":56.36,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12034611403942108},{"word":"all","start":56.36,"end":56.52,"confidence":0.94921875,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.15533216297626495},{"word":"of","start":56.52,"end":56.760002,"confidence":0.9667969,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16524381935596466},{"word":"that","start":56.760002,"end":57.0,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09712842851877213},{"word":"aspect","start":57.0,"end":57.5,"confidence":0.77246094,"punctuated_word":"aspect,","sentiment":"neutral","sentiment_score":0.10723617672920228},{"word":"and","start":57.800003,"end":58.120003,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07620002329349518},{"word":"i","start":58.120003,"end":58.2,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03907814621925354},{"word":"just","start":58.2,"end":58.440002,"confidence":0.97509766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03674093633890152},{"word":"talk","start":58.440002,"end":58.68,"confidence":0.91845703,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.10445458441972733},{"word":"to","start":58.68,"end":58.84,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07183654606342316},{"word":"clients","start":58.84,"end":59.16,"confidence":0.984375,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.048387639224529266},{"word":"and","start":59.16,"end":59.32,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05025190114974976},{"word":"do","start":59.32,"end":59.56,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.082467220723629},{"word":"advice","start":59.56,"end":60.06,"confidence":0.9243164,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.06201943755149841},{"word":"and","start":60.120003,"end":60.36,"confidence":0.5629883,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014890819787979126},{"word":"yeah","start":60.440002,"end":60.940002,"confidence":0.9951172,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0020638108253479004},{"word":"no","start":61.32,"end":61.82,"confidence":0.7475586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.26259660720825195},{"word":"absolutely","start":62.440002,"end":62.940002,"confidence":0.99560547,"punctuated_word":"Absolutely.","sentiment":"negative","sentiment_score":-0.3661807179450989},{"word":"well","start":63.72,"end":64.2,"confidence":0.99902344,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.09765128791332243},{"word":"hopefully","start":64.2,"end":64.68,"confidence":0.98535156,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":-0.023491837084293365},{"word":"your","start":64.68,"end":64.92,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05983415246009827},{"word":"afternoon","start":64.92,"end":65.32,"confidence":1.0,"punctuated_word":"afternoon","sentiment":"neutral","sentiment_score":0.03548140823841095},{"word":"gets","start":65.32,"end":65.64,"confidence":0.99902344,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.014076277613639832},{"word":"a","start":65.64,"end":65.72,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.001944415271282196},{"word":"little","start":65.72,"end":65.96,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0874689370393753},{"word":"bit","start":65.96,"end":66.12,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1047779768705368},{"word":"better","start":66.12,"end":66.36,"confidence":1.0,"punctuated_word":"better.","sentiment":"neutral","sentiment_score":0.0877082571387291},{"word":"i","start":66.36,"end":66.520004,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1406887024641037},{"word":"do","start":66.520004,"end":66.76,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14480389654636383},{"word":"have","start":66.76,"end":67.0,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.163448765873909},{"word":"your","start":67.0,"end":67.24,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10681457817554474},{"word":"advice","start":67.24,"end":67.575,"confidence":0.9658203,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1136074960231781},{"word":"document","start":67.735,"end":68.055,"confidence":0.99902344,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.10908333212137222},{"word":"ready","start":68.055,"end":68.375,"confidence":1.0,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.13306669890880585},{"word":"to","start":68.375,"end":68.454994,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17185628414154053},{"word":"go","start":68.454994,"end":68.774994,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17581476271152496},{"word":"if","start":68.774994,"end":68.854996,"confidence":0.5019531,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12251235544681548},{"word":"you're","start":68.854996,"end":69.015,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05650193616747856},{"word":"comfortable","start":69.015,"end":69.494995,"confidence":0.9980469,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.039365388453006744},{"word":"going","start":69.494995,"end":69.814995,"confidence":0.984375,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.1445145308971405},{"word":"through","start":69.814995,"end":69.975,"confidence":0.99121094,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14094892144203186},{"word":"that","start":69.975,"end":70.215,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13680563867092133},{"word":"now","start":70.215,"end":70.534996,"confidence":0.9980469,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.13580934703350067},{"word":"with","start":70.534996,"end":70.774994,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1353866159915924},{"word":"me","start":70.774994,"end":71.274994,"confidence":0.98217773,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.1187836155295372},{"word":"that's","start":73.09499,"end":73.335,"confidence":0.86157227,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10875414311885834},{"word":"fair","start":73.335,"end":73.835,"confidence":0.97094727,"punctuated_word":"fair.","sentiment":"neutral","sentiment_score":0.07310602813959122},{"word":"yeah","start":74.454994,"end":74.695,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0870082676410675},{"word":"you're","start":74.695,"end":75.015,"confidence":0.9926758,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.12159204483032228},{"word":"right","start":75.015,"end":75.335,"confidence":0.9951172,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.16911695897579193},{"word":"not","start":75.335,"end":75.575,"confidence":0.99316406,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.3022114634513855},{"word":"a","start":75.575,"end":75.735,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2184383124113083},{"word":"problem","start":75.735,"end":76.05499,"confidence":0.99121094,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.28107985854148865},{"word":"at","start":76.05499,"end":76.215,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2856322228908539},{"word":"all","start":76.215,"end":76.715,"confidence":0.83569336,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.3063104450702667},{"word":"beautiful","start":79.255,"end":79.74,"confidence":0.8232422,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4899474084377289},{"word":"is","start":91.259995,"end":91.5,"confidence":0.9838867,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1878647655248642},{"word":"that","start":91.5,"end":91.74,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2279355376958847},{"word":"working","start":91.74,"end":92.14,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.2118656784296036},{"word":"for","start":92.14,"end":92.299995,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17851531505584717},{"word":"you","start":92.299995,"end":92.799995,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.1547640860080719},{"word":"oh","start":95.615,"end":95.854996,"confidence":0.98706055,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.016373854130506516},{"word":"that's","start":95.854996,"end":96.09499,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05454085022211075},{"word":"okay","start":96.09499,"end":96.494995,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.10310660302639008},{"word":"you're","start":96.494995,"end":96.814995,"confidence":0.9995117,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.2640874981880188},{"word":"absolutely","start":96.814995,"end":97.314995,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.2554287612438202},{"word":"fine","start":97.454994,"end":97.954994,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1295208036899567},{"word":"you're","start":98.735,"end":99.055,"confidence":0.9909668,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.03335568308830261},{"word":"fine","start":99.055,"end":99.555,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.039277978241443634},{"word":"yeah","start":103.774994,"end":104.015,"confidence":0.94628906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09801842272281648},{"word":"you're","start":104.015,"end":104.335,"confidence":0.99609375,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.1649106740951538},{"word":"right","start":104.335,"end":104.655,"confidence":0.93066406,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.20698514580726624},{"word":"not","start":104.655,"end":104.895,"confidence":0.9921875,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.3129425644874573},{"word":"a","start":104.895,"end":104.975,"confidence":0.9448242,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10618002712726592},{"word":"worry","start":104.975,"end":105.215,"confidence":0.99902344,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":0.01771688461303711},{"word":"at","start":105.215,"end":105.375,"confidence":0.91748047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16018268465995789},{"word":"all","start":105.375,"end":105.534996,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.03527219220995903},{"word":"i","start":105.534996,"end":105.615,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03070218861103058},{"word":"was","start":105.615,"end":105.854996,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.020415551960468292},{"word":"almost","start":105.854996,"end":106.09499,"confidence":0.99121094,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":-0.027553707361221313},{"word":"i","start":106.174995,"end":106.335,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02800522744655609},{"word":"was","start":106.335,"end":106.41499,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.028246141970157623},{"word":"in","start":106.41499,"end":106.575,"confidence":0.9604492,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.023164182901382446},{"word":"the","start":106.575,"end":106.655,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013094041496515274},{"word":"process","start":106.655,"end":106.975,"confidence":0.98095703,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.035082899034023285},{"word":"of","start":106.975,"end":107.22,"confidence":0.8017578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03210274502635002},{"word":"sending","start":107.22,"end":107.380005,"confidence":0.97802734,"punctuated_word":"sending","sentiment":"neutral","sentiment_score":-0.04661991074681282},{"word":"you","start":107.380005,"end":107.46,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.029137022793293},{"word":"a","start":107.46,"end":107.62,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.012908939272165298},{"word":"message","start":107.62,"end":107.86,"confidence":1.0,"punctuated_word":"message","sentiment":"neutral","sentiment_score":-0.025271333754062653},{"word":"just","start":107.86,"end":108.020004,"confidence":0.97314453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02796550840139389},{"word":"to","start":108.020004,"end":108.18,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02793433889746666},{"word":"let","start":108.18,"end":108.3,"confidence":0.9970703,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.03683464974164963},{"word":"you","start":108.3,"end":108.42,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05194386839866638},{"word":"know","start":108.42,"end":108.66,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.043202899396419525},{"word":"it","start":108.66,"end":108.74,"confidence":0.96875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02545019239187241},{"word":"was","start":108.74,"end":108.82,"confidence":0.9277344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.020971231162548065},{"word":"me","start":108.82,"end":108.98,"confidence":0.9873047,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.03625832498073578},{"word":"because","start":108.98,"end":109.14,"confidence":0.4284668,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04969673603773117},{"word":"i","start":109.14,"end":109.22,"confidence":0.9790039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04265783354640007},{"word":"was","start":109.22,"end":109.3,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05120114982128143},{"word":"like","start":109.3,"end":109.54,"confidence":0.8886719,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05523371323943138},{"word":"oh","start":109.54,"end":109.700005,"confidence":0.8430176,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.06630630791187286},{"word":"you're","start":109.700005,"end":109.86,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0932520255446434},{"word":"probably","start":109.86,"end":110.340004,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.09181554615497588},{"word":"busy","start":110.340004,"end":110.66,"confidence":1.0,"punctuated_word":"busy","sentiment":"neutral","sentiment_score":-0.1065496951341629},{"word":"in","start":110.66,"end":110.9,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11404603719711304},{"word":"a","start":110.9,"end":111.06,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08877120912075043},{"word":"meeting","start":111.06,"end":111.46,"confidence":1.0,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":-0.07095299661159515},{"word":"or","start":111.46,"end":111.78,"confidence":0.78466797,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07243333756923676},{"word":"you're","start":111.78,"end":112.1,"confidence":0.9760742,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.06485196202993393},{"word":"screening","start":112.1,"end":112.5,"confidence":0.9819336,"punctuated_word":"screening","sentiment":"neutral","sentiment_score":-0.04820775240659714},{"word":"the","start":112.5,"end":112.58,"confidence":0.77685547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06452322006225586},{"word":"call","start":112.58,"end":112.82,"confidence":0.6201172,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":-0.036868661642074585},{"word":"so","start":112.82,"end":113.06,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.017823483794927597},{"word":"i'll","start":113.06,"end":113.14,"confidence":0.98095703,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.024789324030280113},{"word":"quickly","start":113.14,"end":113.46,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":-0.011510837823152542},{"word":"text","start":113.46,"end":113.78,"confidence":1.0,"punctuated_word":"text","sentiment":"neutral","sentiment_score":-0.0516163669526577},{"word":"you","start":113.78,"end":114.020004,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05931582301855087},{"word":"after","start":114.020004,"end":114.26,"confidence":0.9980469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.06101858243346214},{"word":"i","start":114.26,"end":114.66,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.038603898137807846},{"word":"left","start":114.66,"end":114.9,"confidence":0.9970703,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.0299944207072258},{"word":"the","start":114.9,"end":115.06,"confidence":0.8095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03381488844752312},{"word":"message","start":115.06,"end":115.54,"confidence":1.0,"punctuated_word":"message","sentiment":"neutral","sentiment_score":-0.03622705116868019},{"word":"to","start":115.54,"end":115.62,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.029526405036449432},{"word":"make","start":115.62,"end":115.78,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.03036528080701828},{"word":"it","start":115.78,"end":115.94,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03557892516255379},{"word":"easier","start":115.94,"end":116.44,"confidence":0.99853516,"punctuated_word":"easier.","sentiment":"neutral","sentiment_score":-0.03964032605290413},{"word":"yeah","start":127.795,"end":128.035,"confidence":0.9440918,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06294285506010056},{"word":"i","start":128.035,"end":128.115,"confidence":0.8339844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07893010228872299},{"word":"can","start":128.115,"end":128.435,"confidence":0.9645996,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.07777363061904907},{"word":"yeah","start":128.435,"end":128.675,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06181406229734421},{"word":"yep","start":128.675,"end":128.995,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06419602781534195},{"word":"you","start":128.995,"end":129.075,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.02407502755522728},{"word":"can","start":129.075,"end":129.315,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.023581886664032936},{"word":"hear","start":129.315,"end":129.475,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.001041920855641365},{"word":"me","start":129.475,"end":129.635,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.007624179124832153},{"word":"okay","start":129.635,"end":130.135,"confidence":0.9946289,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.030705083161592484},{"word":"yeah","start":148.03,"end":148.53,"confidence":0.8034668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05088061839342117},{"word":"absolutely","start":152.375,"end":152.875,"confidence":0.99560547,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.18575558066368103},{"word":"yeah","start":153.815,"end":154.315,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08554694056510925},{"word":"oh","start":161.01,"end":161.51,"confidence":0.9135742,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.039476390928030014},{"word":"wow","start":162.68999,"end":163.18999,"confidence":0.9753418,"punctuated_word":"wow.","sentiment":"neutral","sentiment_score":0.12063555419445038},{"word":"yep","start":165.73,"end":166.23,"confidence":0.9550781,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07099459320306778},{"word":"so","start":169.97,"end":170.20999,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0728108286857605},{"word":"it","start":170.20999,"end":170.29,"confidence":0.8442383,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0830400288105011},{"word":"should've","start":170.29,"end":170.53,"confidence":0.7763672,"punctuated_word":"should've","sentiment":"neutral","sentiment_score":0.10075995326042177},{"word":"come","start":170.53,"end":170.76999,"confidence":0.99121094,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.06059126555919647},{"word":"through","start":170.76999,"end":171.01,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05318308621644974},{"word":"from","start":171.01,"end":171.25,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.07310502231121063},{"word":"odoosign","start":171.25,"end":171.75,"confidence":0.71931964,"punctuated_word":"OdooSign","sentiment":"neutral","sentiment_score":0.06508659571409225},{"word":"or","start":171.97,"end":172.29,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.058024946600198746},{"word":"from","start":172.29,"end":172.53,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.04943346604704857},{"word":"my","start":172.53,"end":172.84999,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.04988708347082138},{"word":"email","start":172.84999,"end":173.34999,"confidence":0.9758301,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.05257163569331169},{"word":"yep","start":176.295,"end":176.535,"confidence":0.9724121,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10817605257034302},{"word":"that's","start":176.535,"end":176.855,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.14600080251693726},{"word":"the","start":176.855,"end":177.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15086573362350464},{"word":"one","start":177.015,"end":177.415,"confidence":0.9995117,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.1296193301677704},{"word":"so","start":177.415,"end":177.575,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12980467081069946},{"word":"if","start":177.575,"end":177.655,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1330413520336151},{"word":"you","start":177.655,"end":177.815,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10657313466072084},{"word":"click","start":177.815,"end":177.975,"confidence":1.0,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.10393153876066208},{"word":"on","start":177.975,"end":178.135,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1216336339712143},{"word":"the","start":178.135,"end":178.215,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11628280580043791},{"word":"button","start":178.215,"end":178.455,"confidence":1.0,"punctuated_word":"button","sentiment":"neutral","sentiment_score":0.07780826091766357},{"word":"that","start":178.455,"end":178.615,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06865774095058441},{"word":"says","start":178.615,"end":178.855,"confidence":0.9980469,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.06904760003089905},{"word":"sign","start":178.855,"end":179.095,"confidence":0.9428711,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.05844985693693161},{"word":"the","start":179.095,"end":179.255,"confidence":0.93408203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0942697674036026},{"word":"document","start":179.255,"end":179.655,"confidence":0.99609375,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.1153157502412796},{"word":"it'll","start":179.655,"end":179.895,"confidence":0.99365234,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.14625772833824158},{"word":"take","start":179.895,"end":180.055,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.12631060183048248},{"word":"you","start":180.055,"end":180.215,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13153484463691711},{"word":"through","start":180.215,"end":180.455,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1333400458097458},{"word":"so","start":180.455,"end":180.615,"confidence":0.8100586,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12786106765270233},{"word":"you","start":180.615,"end":180.69499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11629779636859894},{"word":"can","start":180.69499,"end":180.935,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12146436423063278},{"word":"see","start":180.935,"end":181.175,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1458991914987564},{"word":"the","start":181.175,"end":181.255,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1316240131855011},{"word":"statement","start":181.255,"end":181.655,"confidence":1.0,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.16797026991844177},{"word":"of","start":181.655,"end":181.815,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14428368210792542},{"word":"advice","start":181.815,"end":182.135,"confidence":0.8352051,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.10707763582468031},{"word":"and","start":182.135,"end":182.295,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12582477927207947},{"word":"it","start":182.295,"end":182.455,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1303844004869461},{"word":"has","start":182.455,"end":182.69499,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.10186051577329636},{"word":"your","start":182.69499,"end":182.855,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07690636068582535},{"word":"name","start":182.855,"end":183.095,"confidence":1.0,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.05380003899335861},{"word":"on","start":183.095,"end":183.255,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0915692374110222},{"word":"the","start":183.255,"end":183.33499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10418614000082016},{"word":"very","start":183.33499,"end":183.575,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.09187206625938416},{"word":"front","start":183.575,"end":183.895,"confidence":0.99902344,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.0784473642706871},{"word":"there","start":183.895,"end":184.135,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10293892025947572},{"word":"with","start":184.135,"end":184.295,"confidence":0.9941406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08015666902065277},{"word":"the","start":184.295,"end":184.455,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07998013496398926},{"word":"08/19/2026","start":184.455,"end":186.51,"confidence":0.9986165,"punctuated_word":"08/19/2026.","sentiment":"neutral","sentiment_score":0.04644282162189483},{"word":"yep","start":189.15,"end":189.54999,"confidence":0.9941406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.27531975507736206},{"word":"beautiful","start":189.54999,"end":190.04999,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7395325899124146},{"word":"excellent","start":190.11,"end":190.59,"confidence":0.99902344,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.7377957105636597},{"word":"now","start":190.59,"end":190.75,"confidence":0.9506836,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.46588507294654846},{"word":"all","start":190.75,"end":190.90999,"confidence":0.99316406,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4081537425518036},{"word":"of","start":190.90999,"end":190.98999,"confidence":0.99121094,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39096659421920776},{"word":"our","start":190.98999,"end":191.15,"confidence":0.54589844,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.38336244225502014},{"word":"advice","start":191.15,"end":191.47,"confidence":0.7993164,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.37128230929374695},{"word":"is","start":191.47,"end":191.62999,"confidence":0.98535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2755986154079437},{"word":"valid","start":191.62999,"end":191.95,"confidence":0.8251953,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":0.27645343542099},{"word":"for","start":191.95,"end":192.11,"confidence":0.9135742,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21392858028411865},{"word":"sixty","start":192.11,"end":192.43,"confidence":0.9760742,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.26594483852386475},{"word":"days","start":192.43,"end":192.59,"confidence":0.99902344,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.18809278309345245},{"word":"from","start":192.59,"end":192.75,"confidence":0.9951172,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2075341194868088},{"word":"the","start":192.75,"end":192.90999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2625269591808319},{"word":"date","start":192.90999,"end":193.15,"confidence":0.91259766,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.15861088037490845},{"word":"on","start":193.15,"end":193.23,"confidence":0.97509766,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20306454598903656},{"word":"the","start":193.23,"end":193.39,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26720932126045227},{"word":"document","start":193.39,"end":193.89,"confidence":0.7907715,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.29375362396240234},{"word":"and","start":194.18999,"end":194.34999,"confidence":0.56347656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.24015840888023376},{"word":"it's","start":194.34999,"end":194.51,"confidence":0.78515625,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.22948257625102997},{"word":"stated","start":194.51,"end":194.82999,"confidence":0.9604492,"punctuated_word":"stated","sentiment":"neutral","sentiment_score":0.26210176944732666},{"word":"today","start":194.82999,"end":195.15,"confidence":0.8688965,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.19811567664146423},{"word":"so","start":195.15,"end":195.31,"confidence":0.9951172,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.23802752792835236},{"word":"you","start":195.31,"end":195.39,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2347740978002548},{"word":"have","start":195.39,"end":195.62999,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13461828231811523},{"word":"sixty","start":195.62999,"end":195.95,"confidence":0.99902344,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.189486026763916},{"word":"days","start":195.95,"end":196.18999,"confidence":0.99902344,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.13949313759803772},{"word":"from","start":196.18999,"end":196.43,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.18388135731220245},{"word":"presentation","start":196.43,"end":196.93,"confidence":0.984375,"punctuated_word":"presentation","sentiment":"neutral","sentiment_score":0.2482880502939224},{"word":"to","start":197.06999,"end":197.23,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22723518311977384},{"word":"review","start":197.23,"end":197.54999,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.25255292654037476},{"word":"it","start":197.54999,"end":197.70999,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2847493290901184},{"word":"and","start":197.70999,"end":197.87,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1701878011226654},{"word":"decide","start":197.87,"end":198.18999,"confidence":1.0,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.16632157564163208},{"word":"whether","start":198.18999,"end":198.43,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.14984682202339172},{"word":"you're","start":198.43,"end":198.59,"confidence":0.99560547,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17361627519130707},{"word":"wanting","start":198.59,"end":198.90999,"confidence":0.99902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.1804717481136322},{"word":"to","start":198.90999,"end":199.06999,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19414284825325012},{"word":"take","start":199.06999,"end":199.23,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.20917804539203644},{"word":"the","start":199.23,"end":199.39,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3088535666465759},{"word":"advice","start":199.39,"end":199.79,"confidence":0.9941406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1787470430135727},{"word":"on","start":199.79,"end":200.175,"confidence":0.9904785,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.19821232557296753},{"word":"on","start":200.655,"end":200.735,"confidence":0.9394531,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.1808113008737564},{"word":"the","start":200.735,"end":200.815,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1655353605747223},{"word":"front","start":200.815,"end":201.05501,"confidence":0.99902344,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.13750794529914856},{"word":"page","start":201.05501,"end":201.375,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.14158979058265686},{"word":"has","start":201.375,"end":201.695,"confidence":0.5209961,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.14693473279476166},{"word":"my","start":201.695,"end":201.855,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.13941626250743866},{"word":"license","start":201.855,"end":202.255,"confidence":0.76123047,"punctuated_word":"license","sentiment":"neutral","sentiment_score":0.10999719798564912},{"word":"registration","start":202.255,"end":202.755,"confidence":0.99902344,"punctuated_word":"registration","sentiment":"neutral","sentiment_score":0.07414423674345016},{"word":"number","start":202.815,"end":203.13501,"confidence":0.74194336,"punctuated_word":"number,","sentiment":"neutral","sentiment_score":0.09403019398450851},{"word":"so","start":203.13501,"end":203.215,"confidence":0.98535156,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1465781182050705},{"word":"i'm","start":203.215,"end":203.375,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.13540974259376526},{"word":"a","start":203.375,"end":203.455,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11399830877780914},{"word":"licensed","start":203.455,"end":203.935,"confidence":0.95410156,"punctuated_word":"licensed","sentiment":"neutral","sentiment_score":0.12393196672201157},{"word":"adviser","start":203.935,"end":204.41501,"confidence":0.94628906,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.1590665578842163},{"word":"through","start":204.41501,"end":204.655,"confidence":0.9921875,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12948311865329742},{"word":"asic","start":204.655,"end":204.975,"confidence":0.69384766,"punctuated_word":"ASIC,","sentiment":"neutral","sentiment_score":0.11037205159664154},{"word":"and","start":204.975,"end":205.215,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.106049582362175},{"word":"my","start":205.215,"end":205.455,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.10020291805267334},{"word":"registration","start":205.455,"end":205.935,"confidence":1.0,"punctuated_word":"registration","sentiment":"neutral","sentiment_score":0.08891540765762329},{"word":"number","start":205.935,"end":206.175,"confidence":0.9941406,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.07544668018817902},{"word":"is","start":206.175,"end":206.335,"confidence":0.53564453,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11018239706754684},{"word":"1304394","start":206.335,"end":208.41501,"confidence":1.0,"punctuated_word":"1304394.","sentiment":"neutral","sentiment_score":0.12579885125160217},{"word":"okay","start":208.41501,"end":208.91501,"confidence":0.8015137,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2035141885280609},{"word":"with","start":210.255,"end":210.575,"confidence":0.95410156,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.19663317501544952},{"word":"this","start":210.575,"end":210.815,"confidence":0.9951172,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.18692800402641296},{"word":"i'll","start":210.815,"end":211.05501,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2516733407974243},{"word":"take","start":211.05501,"end":211.215,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.28943535685539246},{"word":"you","start":211.215,"end":211.375,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25245657563209534},{"word":"through","start":211.375,"end":211.535,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2328370362520218},{"word":"the","start":211.535,"end":211.695,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16700415313243866},{"word":"sections","start":211.695,"end":212.015,"confidence":0.9970703,"punctuated_word":"sections","sentiment":"neutral","sentiment_score":0.15428152680397034},{"word":"that","start":212.015,"end":212.175,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15748433768749237},{"word":"we","start":212.175,"end":212.335,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1817370355129242},{"word":"need","start":212.335,"end":212.495,"confidence":0.9921875,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.16368383169174194},{"word":"to","start":212.495,"end":212.575,"confidence":0.97314453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14152821898460388},{"word":"sort","start":212.575,"end":212.91,"confidence":0.9091797,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12163592875003816},{"word":"touch","start":212.91,"end":213.15001,"confidence":0.9970703,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.1723807007074356},{"word":"on","start":213.15001,"end":213.27,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2077026069164276},{"word":"to","start":213.27,"end":213.39,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18923638761043549},{"word":"go","start":213.39,"end":213.79001,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.21304090321063995},{"word":"through","start":213.79001,"end":214.11,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.21461157500743863},{"word":"the","start":214.11,"end":214.35,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1878147125244141},{"word":"the","start":214.35,"end":214.59,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19544100761413577},{"word":"areas","start":214.59,"end":214.91,"confidence":0.99902344,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.19721215963363647},{"word":"that","start":214.91,"end":215.15001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1729237586259842},{"word":"we","start":215.15001,"end":215.31,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1835355907678604},{"word":"need","start":215.31,"end":215.47,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.12845705449581146},{"word":"to","start":215.47,"end":215.71,"confidence":0.9057617,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.17706575989723206},{"word":"and","start":215.71,"end":215.87001,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23471853137016296},{"word":"then","start":215.87001,"end":215.95,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.21856845915317535},{"word":"i'll","start":215.95,"end":216.11,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2949983477592468},{"word":"let","start":216.11,"end":216.27,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.31486189365386963},{"word":"you","start":216.27,"end":216.43001,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3835459947586059},{"word":"go","start":216.43001,"end":216.51001,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.31944555044174194},{"word":"back","start":216.51001,"end":216.75,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2568417489528656},{"word":"to","start":216.75,"end":216.83,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.33148714900016785},{"word":"have","start":216.83,"end":216.99,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3271971642971039},{"word":"a","start":216.99,"end":217.07,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4003162384033203},{"word":"really","start":217.07,"end":217.39,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5374016165733337},{"word":"good","start":217.39,"end":217.55,"confidence":0.9873047,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.45919156074523926},{"word":"rate","start":217.55,"end":217.71,"confidence":0.59228516,"punctuated_word":"rate","sentiment":"positive","sentiment_score":0.5751117467880249},{"word":"of","start":217.71,"end":217.87001,"confidence":0.9291992,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5477250218391418},{"word":"the","start":217.87001,"end":217.95,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5652674436569214},{"word":"document","start":217.95,"end":218.35,"confidence":0.99902344,"punctuated_word":"document","sentiment":"positive","sentiment_score":0.49250346422195435},{"word":"as","start":218.35,"end":218.51001,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4856555461883545},{"word":"well","start":218.51001,"end":218.83,"confidence":0.84375,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.007609059568494558},{"word":"because","start":218.83,"end":219.31,"confidence":0.9941406,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.02748674899339676},{"word":"as","start":219.31,"end":219.47,"confidence":0.9770508,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0448031947016716},{"word":"i'm","start":219.47,"end":219.71,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0005594417452812195},{"word":"sort","start":219.71,"end":219.95,"confidence":0.97802734,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.04736635088920593},{"word":"of","start":219.95,"end":220.03,"confidence":0.80371094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0462828055024147},{"word":"talking","start":220.03,"end":220.43001,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.055689096450805664},{"word":"through","start":220.43001,"end":220.67,"confidence":0.9892578,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.06315255910158157},{"word":"it","start":220.67,"end":220.91,"confidence":0.97558594,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.04747062921524048},{"word":"sometimes","start":220.91,"end":221.39,"confidence":0.375,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":-0.1280674934387207},{"word":"it","start":221.39,"end":221.55,"confidence":0.7998047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1866953670978546},{"word":"can","start":221.55,"end":221.63,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.15520960092544556},{"word":"be","start":221.63,"end":221.79001,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.17402946949005127},{"word":"a","start":221.79001,"end":221.87001,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2018936574459076},{"word":"little","start":221.87001,"end":222.11,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2171134203672409},{"word":"bit","start":222.11,"end":222.27,"confidence":0.97998047,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.24052968621253967},{"word":"overwhelming","start":222.27,"end":222.75,"confidence":1.0,"punctuated_word":"overwhelming","sentiment":"neutral","sentiment_score":-0.20393306016921997},{"word":"with","start":222.75,"end":222.99,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.31237927079200745},{"word":"all","start":222.99,"end":223.07,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.20127540826797485},{"word":"the","start":223.07,"end":223.23001,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2525080144405365},{"word":"bits","start":223.23001,"end":223.47,"confidence":0.9980469,"punctuated_word":"bits","sentiment":"neutral","sentiment_score":-0.2247079312801361},{"word":"and","start":223.47,"end":223.63,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.31371331214904785},{"word":"pieces","start":223.63,"end":224.03,"confidence":0.5128174,"punctuated_word":"pieces,","sentiment":"neutral","sentiment_score":-0.2810739576816559},{"word":"so","start":224.03,"end":224.19,"confidence":0.9448242,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.03453148901462555},{"word":"giving","start":224.19,"end":224.43001,"confidence":0.9970703,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":-0.02749568223953247},{"word":"you","start":224.43001,"end":224.67,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02244892716407776},{"word":"time","start":224.67,"end":224.91,"confidence":0.9873047,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.05391591787338257},{"word":"to","start":224.91,"end":224.99,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03671436011791229},{"word":"go","start":224.99,"end":225.15001,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.07189436256885529},{"word":"back","start":225.15001,"end":225.39,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.008395209908485413},{"word":"and","start":225.39,"end":225.55,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13224543631076813},{"word":"read","start":225.55,"end":225.79001,"confidence":0.98535156,"punctuated_word":"read","sentiment":"neutral","sentiment_score":-0.1174936592578888},{"word":"it","start":225.79001,"end":225.87001,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.033318743109703064},{"word":"through","start":225.87001,"end":226.335,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.10242852568626404},{"word":"and","start":226.57501,"end":226.815,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08429184556007385},{"word":"take","start":226.815,"end":227.05501,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.03277112543582916},{"word":"it","start":227.05501,"end":227.21501,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.011720418930053713},{"word":"in","start":227.21501,"end":227.375,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.085389643907547},{"word":"is","start":227.375,"end":227.535,"confidence":0.92333984,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06953205168247223},{"word":"really","start":227.535,"end":227.77501,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.12214583158493042},{"word":"important","start":227.77501,"end":228.175,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.017329692840576172},{"word":"as","start":228.175,"end":228.335,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11320869624614716},{"word":"well","start":228.335,"end":228.815,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.013834580779075624},{"word":"okay","start":228.815,"end":229.315,"confidence":0.9560547,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.0572984404861927},{"word":"excellent","start":230.57501,"end":231.07501,"confidence":0.9951172,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5814435482025146},{"word":"as","start":231.695,"end":231.93501,"confidence":0.94970703,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.29938817024230957},{"word":"we","start":231.93501,"end":232.015,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.255648136138916},{"word":"are","start":232.015,"end":232.255,"confidence":0.88964844,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2933659851551056},{"word":"sort","start":232.255,"end":232.41501,"confidence":0.96972656,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.28093525767326355},{"word":"of","start":232.41501,"end":232.57501,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28691649436950684},{"word":"scrolling","start":232.57501,"end":232.895,"confidence":0.9941406,"punctuated_word":"scrolling","sentiment":"neutral","sentiment_score":0.24609601497650144},{"word":"through","start":232.895,"end":233.21501,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2081829309463501},{"word":"pages","start":233.21501,"end":233.71501,"confidence":0.9941406,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.18091614544391632},{"word":"three","start":234.015,"end":234.335,"confidence":0.98046875,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":0.14601314067840576},{"word":"four","start":234.335,"end":234.57501,"confidence":0.9885254,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.14995110034942627},{"word":"and","start":234.57501,"end":234.735,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1396706998348236},{"word":"five","start":234.735,"end":234.975,"confidence":0.99560547,"punctuated_word":"five,","sentiment":"neutral","sentiment_score":0.14929074048995972},{"word":"we've","start":234.975,"end":235.21501,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.17904894053936005},{"word":"got","start":235.21501,"end":235.375,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.19645224511623385},{"word":"the","start":235.375,"end":235.535,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1808943748474121},{"word":"areas","start":235.535,"end":235.85501,"confidence":0.9980469,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.09305549412965776},{"word":"that","start":235.85501,"end":236.015,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13435161113739014},{"word":"we","start":236.015,"end":236.175,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14796090126037598},{"word":"are","start":236.175,"end":236.41501,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1676798015832901},{"word":"just","start":236.41501,"end":236.57501,"confidence":0.77734375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2243403196334839},{"word":"scoping","start":236.57501,"end":236.975,"confidence":0.9375,"punctuated_word":"scoping","sentiment":"neutral","sentiment_score":0.1626550853252411},{"word":"in","start":236.975,"end":237.13501,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18890653550624847},{"word":"and","start":237.13501,"end":237.29501,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15967825055122375},{"word":"out","start":237.29501,"end":237.535,"confidence":0.8820801,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.12208560854196548},{"word":"so","start":237.535,"end":237.695,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15298210084438324},{"word":"we're","start":237.695,"end":237.85501,"confidence":0.9975586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1606687605381012},{"word":"looking","start":237.85501,"end":238.095,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.14322759211063385},{"word":"at","start":238.095,"end":238.335,"confidence":0.9819336,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15421590209007263},{"word":"superannuation","start":238.335,"end":238.835,"confidence":0.9449463,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.15639345347881317},{"word":"we're","start":239.68001,"end":239.92,"confidence":0.9941406,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.17200037837028503},{"word":"looking","start":239.92,"end":240.24,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.14660000801086426},{"word":"at","start":240.24,"end":240.48001,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1350390911102295},{"word":"insurances","start":240.48001,"end":240.98001,"confidence":0.99194336,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.15335343778133392},{"word":"for","start":241.04001,"end":241.36,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19094181060791016},{"word":"you","start":241.36,"end":241.44,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2958780527114868},{"word":"there","start":241.44,"end":241.76001,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.23699264228343964},{"word":"as","start":241.76001,"end":241.84001,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23945513367652893},{"word":"well","start":241.84001,"end":242.16,"confidence":0.8703613,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.23386502265930176},{"word":"and","start":242.16,"end":242.40001,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2073492407798767},{"word":"i've","start":242.40001,"end":242.56,"confidence":0.8088379,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.26782798767089844},{"word":"scoping","start":242.56,"end":242.96,"confidence":0.7739258,"punctuated_word":"scoping","sentiment":"neutral","sentiment_score":0.2642039358615875},{"word":"the","start":242.96,"end":243.2,"confidence":0.9291992,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25589993596076965},{"word":"estate","start":243.2,"end":243.52,"confidence":0.9375,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.2059004902839661},{"word":"planning","start":243.52,"end":243.84,"confidence":1.0,"punctuated_word":"planning","sentiment":"positive","sentiment_score":0.34648826718330383},{"word":"to","start":243.84,"end":243.92,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2699587345123291},{"word":"make","start":243.92,"end":244.08,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.27873432636260986},{"word":"sure","start":244.08,"end":244.24,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.30501818656921387},{"word":"your","start":244.24,"end":244.48001,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3728111982345581},{"word":"beneficiaries","start":244.48001,"end":244.98001,"confidence":0.9941406,"punctuated_word":"beneficiaries","sentiment":"positive","sentiment_score":0.41779959201812744},{"word":"are","start":245.2,"end":245.36,"confidence":0.99609375,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.42068660259246826},{"word":"set","start":245.36,"end":245.6,"confidence":0.98291016,"punctuated_word":"set","sentiment":"positive","sentiment_score":0.5282621383666992},{"word":"up","start":245.6,"end":245.76001,"confidence":0.99902344,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.489657998085022},{"word":"in","start":245.76001,"end":245.92,"confidence":0.9951172,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3772907257080078},{"word":"line","start":245.92,"end":246.08,"confidence":1.0,"punctuated_word":"line","sentiment":"positive","sentiment_score":0.42487016320228577},{"word":"with","start":246.08,"end":246.32,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.45501261949539185},{"word":"your","start":246.32,"end":246.48001,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.39880988001823425},{"word":"wishes","start":246.48001,"end":246.98001,"confidence":0.9995117,"punctuated_word":"wishes.","sentiment":"neutral","sentiment_score":0.26087361574172974},{"word":"okay","start":247.2,"end":247.7,"confidence":0.8222656,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.12226903438568117},{"word":"areas","start":249.28,"end":249.68001,"confidence":0.9248047,"punctuated_word":"Areas","sentiment":"neutral","sentiment_score":0.1324673295021057},{"word":"that","start":249.68001,"end":249.84,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10225933790206908},{"word":"we've","start":249.84,"end":250.0,"confidence":0.970459,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.1247970312833786},{"word":"scoped","start":250.0,"end":250.40001,"confidence":0.99658203,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":0.15593932569026947},{"word":"out","start":250.40001,"end":250.56,"confidence":0.53027344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.16707515716552734},{"word":"for","start":250.56,"end":250.8,"confidence":0.9838867,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12320514023303986},{"word":"now","start":250.8,"end":251.04001,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.10650961101055144},{"word":"is","start":251.04001,"end":251.2,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09436739981174468},{"word":"looking","start":251.2,"end":251.52,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.08731681108474731},{"word":"at","start":251.52,"end":251.745,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07561217993497849},{"word":"potential","start":252.22499,"end":252.72499,"confidence":0.9980469,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":0.10252753645181656},{"word":"property","start":252.78499,"end":253.28499,"confidence":0.8312988,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.08138235658407211},{"word":"investment","start":253.345,"end":253.745,"confidence":0.91503906,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.07338454574346542},{"word":"properties","start":253.745,"end":254.22499,"confidence":0.94555664,"punctuated_word":"properties,","sentiment":"neutral","sentiment_score":0.0921538919210434},{"word":"and","start":254.22499,"end":254.465,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10404594242572784},{"word":"investments","start":254.465,"end":254.94499,"confidence":0.95703125,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.0833262950181961},{"word":"outside","start":254.94499,"end":255.42499,"confidence":0.9941406,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.13044336438179016},{"word":"of","start":255.42499,"end":255.50499,"confidence":0.9375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0951974242925644},{"word":"super","start":255.50499,"end":256.005,"confidence":0.9423828,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.13884040713310242},{"word":"we","start":256.225,"end":256.385,"confidence":0.97509766,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.21489056944847107},{"word":"can","start":256.385,"end":256.625,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30853983759880066},{"word":"definitely","start":256.625,"end":256.945,"confidence":0.9921875,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.30042901635169983},{"word":"look","start":256.945,"end":257.10498,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.15179532766342163},{"word":"at","start":257.10498,"end":257.185,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22925996780395508},{"word":"those","start":257.185,"end":257.425,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.29888734221458435},{"word":"down","start":257.425,"end":257.665,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.28369140625},{"word":"the","start":257.665,"end":257.745,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.276350736618042},{"word":"track","start":257.745,"end":257.985,"confidence":0.9970703,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.3198723793029785},{"word":"when","start":257.985,"end":258.145,"confidence":0.98291016,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.29466062784194946},{"word":"you","start":258.145,"end":258.305,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2288835644721985},{"word":"are","start":258.305,"end":258.465,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1917308270931244},{"word":"ready","start":258.465,"end":258.705,"confidence":1.0,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.27777838706970215},{"word":"to","start":258.705,"end":258.865,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25387492775917053},{"word":"have","start":258.865,"end":259.025,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.25975745916366577},{"word":"that","start":259.025,"end":259.185,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2826284170150757},{"word":"more","start":259.185,"end":259.425,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1959566175937653},{"word":"in-depth","start":259.425,"end":259.925,"confidence":0.99934894,"punctuated_word":"in-depth","sentiment":"neutral","sentiment_score":0.18576893210411072},{"word":"conversation","start":259.985,"end":260.485,"confidence":0.9970703,"punctuated_word":"conversation.","sentiment":"neutral","sentiment_score":0.21372708678245544},{"word":"for","start":261.025,"end":261.185,"confidence":0.9892578,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.12601298093795776},{"word":"now","start":261.185,"end":261.345,"confidence":0.98706055,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.12739434838294983},{"word":"we'll","start":261.345,"end":261.585,"confidence":0.9980469,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.170467346906662},{"word":"just","start":261.585,"end":261.745,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2082674950361252},{"word":"sort","start":261.745,"end":261.985,"confidence":0.61376953,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1645086407661438},{"word":"out","start":261.985,"end":262.065,"confidence":0.97314453,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1894199103116989},{"word":"your","start":262.065,"end":262.305,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15183565020561218},{"word":"super","start":262.305,"end":262.625,"confidence":0.984375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.15642324090003967},{"word":"insurances","start":262.625,"end":263.125,"confidence":0.9343262,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.1577925980091095},{"word":"and","start":263.345,"end":263.505,"confidence":0.8540039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1591995358467102},{"word":"then","start":263.505,"end":263.745,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16538457572460177},{"word":"work","start":263.745,"end":263.985,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.20286674797534943},{"word":"on","start":263.985,"end":264.145,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2050376534461975},{"word":"the","start":264.145,"end":264.305,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2106159031391144},{"word":"next","start":264.305,"end":264.54498,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.19865843653678897},{"word":"thing","start":264.54498,"end":264.785,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.2544412314891815},{"word":"for","start":264.785,"end":265.025,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1925985962152481},{"word":"you","start":265.025,"end":265.505,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13148233294487},{"word":"okay","start":265.505,"end":266.005,"confidence":0.9848633,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.10561595857143402},{"word":"excellent","start":267.35,"end":267.85,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5196715593338013},{"word":"if","start":268.31,"end":268.63,"confidence":0.6821289,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.3356547951698303},{"word":"i","start":268.63,"end":268.71002,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.28904736042022705},{"word":"can","start":268.71002,"end":268.87,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30486059188842773},{"word":"get","start":268.87,"end":269.03,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2920665144920349},{"word":"you","start":269.03,"end":269.19,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30056411027908325},{"word":"to","start":269.19,"end":269.27002,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2748027443885803},{"word":"move","start":269.27002,"end":269.51,"confidence":0.9980469,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.1438709944486618},{"word":"down","start":269.51,"end":269.75,"confidence":0.9892578,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1733842492103577},{"word":"or","start":269.75,"end":269.99002,"confidence":0.55615234,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.15347057580947876},{"word":"scroll","start":269.99002,"end":270.31,"confidence":0.9550781,"punctuated_word":"scroll,","sentiment":"neutral","sentiment_score":0.18032312393188477},{"word":"sorry","start":270.31,"end":270.63,"confidence":0.99609375,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.15479257702827454},{"word":"down","start":270.63,"end":270.95,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.16533765196800232},{"word":"to","start":270.95,"end":271.27002,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1727331131696701},{"word":"page","start":271.27002,"end":271.67,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.1472921222448349},{"word":"number","start":271.67,"end":272.07,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.24833886325359344},{"word":"12","start":272.07,"end":272.55002,"confidence":0.7602539,"punctuated_word":"12,","sentiment":"neutral","sentiment_score":0.2373535931110382},{"word":"this","start":272.55002,"end":272.79,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.30564627051353455},{"word":"is","start":272.79,"end":272.95,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3148329555988312},{"word":"the","start":272.95,"end":273.03,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30333569645881653},{"word":"start","start":273.03,"end":273.35,"confidence":0.99609375,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.280579537153244},{"word":"of","start":273.35,"end":273.51,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3301430940628052},{"word":"the","start":273.51,"end":273.67,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31162557005882263},{"word":"recommendations","start":273.67,"end":274.17,"confidence":0.9819336,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.1563841998577118},{"word":"there","start":274.55002,"end":274.79,"confidence":0.99316406,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.34057506918907166},{"word":"for","start":274.79,"end":275.03,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29315170645713806},{"word":"you","start":275.03,"end":275.53,"confidence":0.99609375,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2167801558971405},{"word":"beautiful","start":285.285,"end":285.785,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.554389476776123},{"word":"so","start":286.085,"end":286.405,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.28381675481796265},{"word":"with","start":286.405,"end":286.565,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3091045916080475},{"word":"this","start":286.565,"end":286.725,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.3305570185184479},{"word":"one","start":286.725,"end":286.965,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.3051084578037262},{"word":"here","start":286.965,"end":287.205,"confidence":0.99902344,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.27616673707962036},{"word":"i","start":287.205,"end":287.285,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3172883689403534},{"word":"did","start":287.285,"end":287.525,"confidence":0.94628906,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.2953763008117676},{"word":"go","start":287.525,"end":287.685,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2545973062515259},{"word":"back","start":287.685,"end":287.845,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2558131814002991},{"word":"and","start":287.845,"end":288.005,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17849954962730408},{"word":"have","start":288.005,"end":288.16498,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2650115489959717},{"word":"a","start":288.16498,"end":288.245,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27492761611938477},{"word":"look","start":288.245,"end":288.405,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14023557305336},{"word":"at","start":288.405,"end":288.645,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22859880328178409},{"word":"hub","start":288.645,"end":288.965,"confidence":0.6542969,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.2684752345085144},{"word":"twenty","start":288.965,"end":289.285,"confidence":0.9902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.28367748856544495},{"word":"four","start":289.285,"end":289.785,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.20975950360298157},{"word":"as","start":289.845,"end":290.005,"confidence":0.82910156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23761558532714844},{"word":"well","start":290.005,"end":290.245,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2328149676322937},{"word":"as","start":290.245,"end":290.485,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2571792006492615},{"word":"any","start":290.485,"end":290.725,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.26142919063568115},{"word":"other","start":290.725,"end":291.04498,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.23000454902648929},{"word":"super","start":291.04498,"end":291.445,"confidence":0.921875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2356741577386856},{"word":"fund","start":291.445,"end":291.76498,"confidence":0.8222656,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.2607754170894623},{"word":"out","start":291.76498,"end":291.925,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2446763515472412},{"word":"there","start":291.925,"end":292.41,"confidence":0.8857422,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.25311750173568726},{"word":"making","start":292.73,"end":292.89,"confidence":0.97314453,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.35515743494033813},{"word":"sure","start":292.89,"end":293.29,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.3200870156288147},{"word":"that","start":293.29,"end":293.37,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3394601047039032},{"word":"you","start":293.37,"end":293.53,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3682957291603088},{"word":"were","start":293.53,"end":293.85,"confidence":0.9970703,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.303004652261734},{"word":"in","start":293.85,"end":293.97,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.32281437516212463},{"word":"a","start":293.97,"end":294.09,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2985647916793823},{"word":"good","start":294.09,"end":294.41,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.30059173703193665},{"word":"fund","start":294.41,"end":294.73,"confidence":0.923584,"punctuated_word":"fund,","sentiment":"positive","sentiment_score":0.3812754154205322},{"word":"that","start":294.73,"end":294.89,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3894924521446228},{"word":"it","start":294.89,"end":295.05002,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4580012559890747},{"word":"was","start":295.05002,"end":295.29,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.3370119333267212},{"word":"working","start":295.29,"end":295.61002,"confidence":1.0,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.380860298871994},{"word":"for","start":295.61002,"end":295.77,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2648966610431671},{"word":"you","start":295.77,"end":295.93,"confidence":0.9404297,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.24989821016788483},{"word":"but","start":295.93,"end":296.17,"confidence":0.9873047,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.13763365149497986},{"word":"also","start":296.17,"end":296.49,"confidence":0.80322266,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.006087079644203186},{"word":"reassessing","start":296.49,"end":296.99,"confidence":0.9914551,"punctuated_word":"reassessing","sentiment":"neutral","sentiment_score":-0.03489657863974571},{"word":"the","start":297.13,"end":297.21,"confidence":0.9316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13621342182159424},{"word":"investments","start":297.21,"end":297.69,"confidence":0.96777344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.1969699114561081},{"word":"because","start":297.69,"end":297.93,"confidence":0.69189453,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.13769835233688354},{"word":"we","start":297.93,"end":298.09,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09636647999286652},{"word":"had","start":298.09,"end":298.33002,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.11371076852083206},{"word":"noted","start":298.33002,"end":298.57,"confidence":0.99902344,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":-0.09929216653108595},{"word":"that","start":298.57,"end":298.81,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1536775529384613},{"word":"some","start":298.81,"end":298.89,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.24630267918109897},{"word":"of","start":298.89,"end":299.05002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.28228941559791565},{"word":"those","start":299.05002,"end":299.29,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.2744569480419159},{"word":"were","start":299.29,"end":299.45,"confidence":0.99609375,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.2719181180000305},{"word":"underperforming","start":299.45,"end":299.95,"confidence":0.9921875,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.2789175510406494},{"word":"a","start":300.25,"end":300.33002,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.25723856687545776},{"word":"little","start":300.33002,"end":300.57,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.22366410493850708},{"word":"bit","start":300.57,"end":301.07,"confidence":1.0,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.1865215450525284},{"word":"i","start":301.45,"end":301.53,"confidence":0.9350586,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13927651941776276},{"word":"have","start":301.53,"end":301.85,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15767383575439453},{"word":"recommended","start":301.85,"end":302.33002,"confidence":1.0,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.20120033621788025},{"word":"that","start":302.33002,"end":302.49,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11302423477172852},{"word":"we","start":302.49,"end":302.65,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18601498007774353},{"word":"do","start":302.65,"end":302.89,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.24634969234466553},{"word":"stay","start":302.89,"end":303.13,"confidence":0.99902344,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.20434650778770447},{"word":"with","start":303.13,"end":303.37,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12778878211975098},{"word":"hub","start":303.37,"end":303.61002,"confidence":0.9790039,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.1442330777645111},{"word":"twenty","start":303.61002,"end":303.85,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.21822646260261536},{"word":"four","start":303.85,"end":304.09,"confidence":0.9995117,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.16266296803951263},{"word":"i","start":304.09,"end":304.25,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07470913976430893},{"word":"know","start":304.25,"end":304.41,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.022928796708583832},{"word":"it","start":304.41,"end":304.49,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.002565145492553711},{"word":"wasn't","start":304.49,"end":304.89,"confidence":0.9995117,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":0.012059162370860577},{"word":"your","start":304.89,"end":305.05,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.019287243485450745},{"word":"favorite","start":305.05,"end":305.53,"confidence":0.99902344,"punctuated_word":"favorite","sentiment":"neutral","sentiment_score":0.012693479657173157},{"word":"fund","start":305.53,"end":306.03,"confidence":0.9621582,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.008421655744314194},{"word":"but","start":306.345,"end":306.58502,"confidence":0.9633789,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.008123010396957397},{"word":"one","start":306.58502,"end":306.74503,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.023263320326805115},{"word":"of","start":306.74503,"end":306.825,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.016877219080924988},{"word":"the","start":306.825,"end":307.065,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027441203594207764},{"word":"biggest","start":307.065,"end":307.30502,"confidence":1.0,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.03135937452316284},{"word":"things","start":307.30502,"end":307.625,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.08065594732761383},{"word":"that","start":307.625,"end":307.785,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.017261773347854614},{"word":"i","start":307.785,"end":307.86502,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07810373604297638},{"word":"do","start":307.86502,"end":308.02502,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10287664085626602},{"word":"look","start":308.02502,"end":308.265,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.031212061643600464},{"word":"at","start":308.265,"end":308.42502,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0015160292387008667},{"word":"when","start":308.42502,"end":308.665,"confidence":0.9873047,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.02672974020242691},{"word":"we","start":308.665,"end":308.74503,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01501639187335968},{"word":"do","start":308.74503,"end":308.98502,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06026846915483475},{"word":"look","start":308.98502,"end":309.14502,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.008908405900001526},{"word":"at","start":309.14502,"end":309.64502,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.007347121834754944},{"word":"super","start":309.70502,"end":310.105,"confidence":0.8701172,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.04774276912212372},{"word":"funds","start":310.105,"end":310.605,"confidence":0.84472656,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.04338949918746948},{"word":"is","start":310.74503,"end":311.24503,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.024861007928848267},{"word":"the","start":311.30502,"end":311.625,"confidence":0.69921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009555414319038393},{"word":"the","start":311.625,"end":311.86502,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03387834131717682},{"word":"cgt","start":311.86502,"end":312.36502,"confidence":0.9758301,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":-0.10543911159038544},{"word":"cost","start":312.42502,"end":312.825,"confidence":0.5683594,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.027913078665733337},{"word":"around","start":312.825,"end":313.065,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.06089109927415848},{"word":"the","start":313.065,"end":313.225,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09011809527873992},{"word":"selling","start":313.225,"end":313.625,"confidence":0.9951172,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.06623542308807373},{"word":"and","start":313.625,"end":313.70502,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07693322747945786},{"word":"the","start":313.70502,"end":313.86502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06992090493440628},{"word":"changing","start":313.86502,"end":314.36502,"confidence":0.99902344,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":-0.034363240003585815},{"word":"of","start":314.42502,"end":314.665,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07778295874595642},{"word":"investments","start":314.665,"end":315.165,"confidence":0.9042969,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":-0.04669896885752678},{"word":"so","start":315.30502,"end":315.80502,"confidence":0.9519043,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.014647450298070908},{"word":"essentially","start":316.02502,"end":316.52502,"confidence":0.9995117,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.002030434785410762},{"word":"i","start":316.58502,"end":316.745,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09967217594385148},{"word":"did","start":316.745,"end":316.98502,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.09533916413784028},{"word":"look","start":316.98502,"end":317.14502,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.005068875849246979},{"word":"at","start":317.14502,"end":317.385,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02311260998249054},{"word":"you","start":317.465,"end":317.625,"confidence":0.6401367,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.045767515897750854},{"word":"know","start":317.625,"end":317.785,"confidence":0.9892578,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08650515973567963},{"word":"hub","start":317.785,"end":318.02502,"confidence":0.9350586,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.19523975253105164},{"word":"twenty","start":318.02502,"end":318.265,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.19457051157951355},{"word":"four","start":318.265,"end":318.505,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.16430027782917023},{"word":"does","start":318.505,"end":318.665,"confidence":0.9951172,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.15156537294387817},{"word":"realistically","start":318.665,"end":319.165,"confidence":0.8828125,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":0.1212969571352005},{"word":"have","start":319.225,"end":319.465,"confidence":0.9921875,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11612684279680252},{"word":"the","start":319.465,"end":319.625,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06111796200275421},{"word":"most","start":319.625,"end":319.86502,"confidence":0.9921875,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.07658499479293823},{"word":"amount","start":319.86502,"end":320.105,"confidence":0.984375,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.07089374959468842},{"word":"of","start":320.105,"end":320.58502,"confidence":0.9375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04264865815639496},{"word":"investments","start":320.58502,"end":321.06,"confidence":0.82470703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.00023283064365386963},{"word":"available","start":321.38,"end":321.86,"confidence":0.99902344,"punctuated_word":"available","sentiment":"neutral","sentiment_score":0.038296014070510864},{"word":"out","start":321.86,"end":322.02,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.03760626912117005},{"word":"of","start":322.02,"end":322.18,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04983516037464142},{"word":"most","start":322.18,"end":322.41998,"confidence":0.99902344,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.10307168960571288},{"word":"of","start":322.41998,"end":322.5,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05819733440876007},{"word":"the","start":322.5,"end":322.74,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06965449452400208},{"word":"adviser","start":322.74,"end":323.13998,"confidence":0.92089844,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.06025782227516174},{"word":"platforms","start":323.13998,"end":323.63998,"confidence":0.9001465,"punctuated_word":"platforms.","sentiment":"neutral","sentiment_score":0.06701533496379852},{"word":"and","start":324.18,"end":324.34,"confidence":0.85595703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.011765487492084503},{"word":"if","start":324.34,"end":324.5,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.029434852302074432},{"word":"we","start":324.5,"end":324.66,"confidence":0.9902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.025873646140098572},{"word":"were","start":324.66,"end":324.9,"confidence":0.99316406,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.06543157994747162},{"word":"to","start":324.9,"end":325.06,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10606738179922104},{"word":"sell","start":325.06,"end":325.3,"confidence":0.9223633,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.1594443917274475},{"word":"down","start":325.3,"end":325.54,"confidence":0.99609375,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.1068516969680786},{"word":"your","start":325.54,"end":325.78,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2019341140985489},{"word":"total","start":325.78,"end":326.18,"confidence":0.9970703,"punctuated_word":"total","sentiment":"neutral","sentiment_score":-0.17605677247047424},{"word":"portfolio","start":326.18,"end":326.68,"confidence":0.99853516,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.13605564832687378},{"word":"the","start":326.74,"end":326.98,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19951415061950684},{"word":"cgt","start":326.98,"end":327.48,"confidence":0.8642578,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":-0.16253662109375},{"word":"cost","start":327.54,"end":327.86,"confidence":0.9760742,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.08721497654914856},{"word":"was","start":327.86,"end":328.02,"confidence":0.98095703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2758796215057373},{"word":"so","start":328.02,"end":328.26,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.14122352004051208},{"word":"much","start":328.26,"end":328.58,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.21240167319774628},{"word":"higher","start":328.58,"end":328.98,"confidence":0.951416,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":-0.123440220952034},{"word":"so","start":328.98,"end":329.46,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05483359098434448},{"word":"it","start":329.46,"end":329.7,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07698224484920502},{"word":"does","start":329.7,"end":329.94,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.1491667628288269},{"word":"work","start":329.94,"end":330.18,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.0696428120136261},{"word":"out","start":330.18,"end":330.26,"confidence":0.99121094,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04225534200668335},{"word":"better","start":330.26,"end":330.58,"confidence":0.9741211,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.006857872009277344},{"word":"to","start":330.58,"end":330.74,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1134701818227768},{"word":"retain","start":330.74,"end":331.22,"confidence":0.9980469,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.12378767132759094},{"word":"hub","start":331.22,"end":331.38,"confidence":0.96777344,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.1224319338798523},{"word":"twenty","start":331.38,"end":331.7,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2513844966888428},{"word":"four","start":331.7,"end":332.2,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.17702805995941162},{"word":"and","start":332.34,"end":332.5,"confidence":0.89746094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11454148590564728},{"word":"be","start":332.5,"end":332.66,"confidence":0.9921875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.22195816040039065},{"word":"able","start":332.66,"end":332.9,"confidence":0.98828125,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2344127595424652},{"word":"to","start":332.9,"end":332.98,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19970950484275815},{"word":"switch","start":332.98,"end":333.22,"confidence":0.99902344,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.07590269297361374},{"word":"the","start":333.22,"end":333.38,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16164764761924744},{"word":"investments","start":333.38,"end":333.86,"confidence":0.99121094,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.00299641489982605},{"word":"within","start":333.86,"end":334.18,"confidence":0.921875,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.04084037244319916},{"word":"in","start":334.34,"end":334.41998,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09524909406900406},{"word":"them","start":334.41998,"end":334.66,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.12983909249305725},{"word":"to","start":334.66,"end":334.82,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1418391764163971},{"word":"make","start":334.82,"end":334.98,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1969577968120575},{"word":"them","start":334.98,"end":335.13998,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.1295749396085739},{"word":"work","start":335.13998,"end":335.38,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.15501631796360016},{"word":"a","start":335.38,"end":335.46,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02552095055580139},{"word":"bit","start":335.46,"end":335.62,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.040228307247161865},{"word":"harder","start":335.62,"end":336.02,"confidence":1.0,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":-0.04115079343318939},{"word":"for","start":336.02,"end":336.18,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07938167452812195},{"word":"you","start":336.18,"end":336.615,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.017742175608873367},{"word":"if","start":337.01498,"end":337.095,"confidence":0.9770508,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.06537680327892303},{"word":"you","start":337.095,"end":337.335,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08902838081121445},{"word":"are","start":337.335,"end":337.57498,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.060394078493118286},{"word":"finding","start":337.57498,"end":337.895,"confidence":1.0,"punctuated_word":"finding","sentiment":"neutral","sentiment_score":-0.06947183609008789},{"word":"that","start":337.895,"end":338.055,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11379675567150116},{"word":"you","start":338.055,"end":338.215,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10795515775680542},{"word":"are","start":338.215,"end":338.375,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.11903539299964903},{"word":"struggling","start":338.375,"end":338.775,"confidence":1.0,"punctuated_word":"struggling","sentiment":"neutral","sentiment_score":-0.2339225709438324},{"word":"with","start":338.775,"end":338.935,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.3041318356990814},{"word":"hub","start":338.935,"end":339.175,"confidence":0.56396484,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":-0.28410059213638306},{"word":"24","start":339.175,"end":339.655,"confidence":0.9797363,"punctuated_word":"24","sentiment":"neutral","sentiment_score":-0.2905116081237793},{"word":"that","start":339.655,"end":339.97498,"confidence":0.63916016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10477226972579956},{"word":"the","start":339.97498,"end":340.47498,"confidence":0.8803711,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.36924809217453},{"word":"the","start":340.85498,"end":341.095,"confidence":0.9526367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3299391269683838},{"word":"app","start":341.095,"end":341.335,"confidence":0.8857422,"punctuated_word":"app","sentiment":"negative","sentiment_score":-0.439843624830246},{"word":"or","start":341.335,"end":341.495,"confidence":0.9338379,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":-0.24250781536102295},{"word":"you","start":341.495,"end":341.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23942983150482175},{"word":"know","start":341.655,"end":341.895,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.2018139362335205},{"word":"utilizing","start":341.895,"end":342.395,"confidence":0.99609375,"punctuated_word":"utilizing","sentiment":"neutral","sentiment_score":-0.2627864480018616},{"word":"it","start":342.535,"end":342.615,"confidence":0.7949219,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3760822117328644},{"word":"isn't","start":342.615,"end":342.935,"confidence":0.9875488,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.26386892795562744},{"word":"working","start":342.935,"end":343.255,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.3286241888999939},{"word":"well","start":343.255,"end":343.57498,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.24163472652435303},{"word":"for","start":343.57498,"end":343.735,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.23796862363815308},{"word":"you","start":343.735,"end":344.235,"confidence":0.9875488,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.22729891538619995},{"word":"let","start":344.455,"end":344.615,"confidence":0.9760742,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.1699981987476349},{"word":"me","start":344.615,"end":344.775,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.17633530497550964},{"word":"know","start":344.775,"end":344.935,"confidence":0.99902344,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.17346258461475372},{"word":"i'm","start":344.935,"end":345.095,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6264237761497498},{"word":"happy","start":345.095,"end":345.41498,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6516030430793762},{"word":"to","start":345.41498,"end":345.495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5470677614212036},{"word":"send","start":345.495,"end":345.815,"confidence":1.0,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.6008598208427429},{"word":"you","start":345.815,"end":345.97498,"confidence":0.96435547,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5510019063949585},{"word":"reports","start":345.97498,"end":346.375,"confidence":0.9526367,"punctuated_word":"reports","sentiment":"positive","sentiment_score":0.7249340415000916},{"word":"and","start":346.375,"end":346.535,"confidence":0.9707031,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6275876760482788},{"word":"break","start":346.535,"end":346.775,"confidence":0.9291992,"punctuated_word":"break","sentiment":"positive","sentiment_score":0.7626763582229614},{"word":"things","start":346.775,"end":347.01498,"confidence":0.99902344,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.6260318756103516},{"word":"down","start":347.01498,"end":347.255,"confidence":1.0,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.6021673083305359},{"word":"and","start":347.255,"end":347.41498,"confidence":0.95166016,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.45773571729660034},{"word":"give","start":347.41498,"end":347.57498,"confidence":0.9980469,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.6094413995742798},{"word":"you","start":347.57498,"end":347.735,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5427242517471313},{"word":"updated","start":347.735,"end":348.055,"confidence":0.92333984,"punctuated_word":"updated","sentiment":"positive","sentiment_score":0.5883317589759827},{"word":"balances","start":348.055,"end":348.535,"confidence":0.99121094,"punctuated_word":"balances","sentiment":"positive","sentiment_score":0.5076839923858643},{"word":"and","start":348.535,"end":348.615,"confidence":0.99316406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6192020773887634},{"word":"things","start":348.615,"end":348.935,"confidence":0.99902344,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.5430371761322021},{"word":"like","start":348.935,"end":349.095,"confidence":0.7607422,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.4462583363056183},{"word":"that","start":349.095,"end":349.255,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5797756910324097},{"word":"on","start":349.255,"end":349.335,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5420146584510803},{"word":"a","start":349.335,"end":349.41498,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4756067991256714},{"word":"more","start":349.41498,"end":349.655,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.416926234960556},{"word":"regular","start":349.655,"end":350.055,"confidence":1.0,"punctuated_word":"regular","sentiment":"positive","sentiment_score":0.47542524337768555},{"word":"basis","start":350.055,"end":350.535,"confidence":1.0,"punctuated_word":"basis","sentiment":"positive","sentiment_score":0.5056113004684448},{"word":"as","start":350.535,"end":350.69498,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4696117341518402},{"word":"well","start":350.69498,"end":351.095,"confidence":0.80322266,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3452690839767456},{"word":"but","start":351.095,"end":351.45,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.07867182046175003},{"word":"it","start":351.61002,"end":351.77002,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.21050629019737244},{"word":"just","start":351.77002,"end":351.93002,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2077145129442215},{"word":"didn't","start":351.93002,"end":352.17,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.26131927967071533},{"word":"work","start":352.17,"end":352.49002,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.18978585302829745},{"word":"out","start":352.49002,"end":352.73,"confidence":0.93408203,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.3622694909572602},{"word":"cost","start":352.73,"end":352.97,"confidence":0.9970703,"punctuated_word":"cost","sentiment":"negative","sentiment_score":-0.3344869613647461},{"word":"effective","start":352.97,"end":353.45,"confidence":0.9970703,"punctuated_word":"effective","sentiment":"neutral","sentiment_score":-0.2554585039615631},{"word":"to","start":353.45,"end":353.61002,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3259660303592682},{"word":"move","start":353.61002,"end":353.85,"confidence":0.9980469,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.323045551776886},{"word":"you","start":353.85,"end":354.01,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2146693617105484},{"word":"to","start":354.01,"end":354.09003,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.115588441491127},{"word":"a","start":354.09003,"end":354.17,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1603046357631683},{"word":"whole","start":354.17,"end":354.41,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.0311887264251709},{"word":"another","start":354.41,"end":354.73,"confidence":0.90625,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.07518533617258072},{"word":"platform","start":354.73,"end":355.23,"confidence":0.9719238,"punctuated_word":"platform.","sentiment":"neutral","sentiment_score":-0.0649414137005806},{"word":"so","start":355.77002,"end":355.93002,"confidence":0.61621094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05675733834505081},{"word":"i","start":355.93002,"end":356.09003,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1365014612674713},{"word":"have","start":356.09003,"end":356.33002,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19188076257705688},{"word":"recommended","start":356.33002,"end":356.81,"confidence":0.99902344,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.2832157015800476},{"word":"to","start":356.81,"end":357.05002,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19247889518737793},{"word":"retain","start":357.05002,"end":357.45,"confidence":0.9970703,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.09046906232833862},{"word":"hub","start":357.45,"end":357.77002,"confidence":0.45629883,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.12578560411930084},{"word":"twenty","start":357.77002,"end":358.01,"confidence":0.9838867,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.1714680790901184},{"word":"four","start":358.01,"end":358.25,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.14620287716388702},{"word":"and","start":358.25,"end":358.41,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16896787285804749},{"word":"switch","start":358.41,"end":358.81,"confidence":0.99121094,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.1656889170408249},{"word":"the","start":358.81,"end":358.97,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17905783653259277},{"word":"investments","start":358.97,"end":359.45,"confidence":0.99316406,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.09567834436893465},{"word":"within","start":359.45,"end":359.85,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.19226635992527008},{"word":"that","start":359.85,"end":360.35,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.2276718020439148},{"word":"i","start":360.73,"end":360.89,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3013157844543457},{"word":"am","start":360.89,"end":361.13,"confidence":0.99902344,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.2672984004020691},{"word":"recommending","start":361.13,"end":361.61002,"confidence":0.9980469,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.3296264111995697},{"word":"that","start":361.61002,"end":361.77002,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30188071727752686},{"word":"you","start":361.77002,"end":361.93002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3140520751476288},{"word":"keep","start":361.93002,"end":362.09003,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2692122161388397},{"word":"your","start":362.09003,"end":362.25,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.30366620421409607},{"word":"salary","start":362.25,"end":362.73,"confidence":0.99902344,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.275222510099411},{"word":"sacrifice","start":362.73,"end":363.23,"confidence":0.5239258,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.20694862306118011},{"word":"as","start":363.37003,"end":363.53,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.296442449092865},{"word":"it","start":363.53,"end":363.61002,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.30008664727211},{"word":"is","start":363.61002,"end":363.77002,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.24023711681365967},{"word":"at","start":363.77002,"end":363.93002,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2540367543697357},{"word":"the","start":363.93002,"end":364.09003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2192929834127426},{"word":"moment","start":364.09003,"end":364.41,"confidence":0.87719727,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.2650114893913269},{"word":"so","start":364.41,"end":364.57,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5504097938537598},{"word":"it","start":364.57,"end":364.73,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6318140625953674},{"word":"is","start":364.73,"end":364.97,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5795065760612488},{"word":"working","start":364.97,"end":365.29,"confidence":1.0,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.6508349180221558},{"word":"really","start":365.29,"end":365.53,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6722462177276611},{"word":"well","start":365.53,"end":365.85,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.7143224477767944},{"word":"for","start":365.85,"end":366.01,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7116373181343079},{"word":"you","start":366.01,"end":366.495,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6962793469429016},{"word":"because","start":366.735,"end":366.975,"confidence":0.9980469,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.5257933735847473},{"word":"you","start":366.975,"end":367.215,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6742640733718872},{"word":"are","start":367.215,"end":367.535,"confidence":0.97998047,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.6857114434242249},{"word":"obviously","start":367.695,"end":368.01498,"confidence":0.9916992,"punctuated_word":"obviously,","sentiment":"positive","sentiment_score":0.5766699910163879},{"word":"you","start":368.01498,"end":368.175,"confidence":0.9741211,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5322532653808594},{"word":"have","start":368.175,"end":368.335,"confidence":0.99609375,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5378159880638123},{"word":"a","start":368.335,"end":368.415,"confidence":0.9941406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5008582472801208},{"word":"family","start":368.415,"end":368.735,"confidence":1.0,"punctuated_word":"family","sentiment":"positive","sentiment_score":0.45792505145072937},{"word":"and","start":368.735,"end":368.895,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5087842345237732},{"word":"kids","start":368.895,"end":369.135,"confidence":0.7441406,"punctuated_word":"kids.","sentiment":"positive","sentiment_score":0.5134559273719788},{"word":"i","start":369.135,"end":369.215,"confidence":0.61865234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16613350808620453},{"word":"didn't","start":369.215,"end":369.455,"confidence":0.9995117,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.10949786007404327},{"word":"wanna","start":369.455,"end":369.695,"confidence":0.98291016,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.012976601719856262},{"word":"eat","start":369.695,"end":369.85498,"confidence":0.99316406,"punctuated_word":"eat","sentiment":"neutral","sentiment_score":-0.09014482796192168},{"word":"away","start":369.85498,"end":370.095,"confidence":0.9970703,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.2245568037033081},{"word":"too","start":370.095,"end":370.255,"confidence":0.98828125,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.11632588505744934},{"word":"much","start":370.255,"end":370.415,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.12718892097473145},{"word":"of","start":370.415,"end":370.655,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11055301129817964},{"word":"your","start":370.655,"end":370.735,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.050315141677856445},{"word":"income","start":370.735,"end":371.235,"confidence":0.91259766,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.014844007790088654},{"word":"but","start":371.615,"end":371.85498,"confidence":0.9873047,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1879129409790039},{"word":"because","start":371.85498,"end":372.095,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.15176327526569366},{"word":"your","start":372.095,"end":372.335,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2738092541694641},{"word":"income","start":372.335,"end":372.735,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.23719522356987},{"word":"does","start":372.735,"end":373.055,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.23155905306339264},{"word":"increase","start":373.055,"end":373.535,"confidence":0.99902344,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.3084053099155426},{"word":"quite","start":373.535,"end":373.85498,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.30788472294807434},{"word":"regularly","start":373.85498,"end":374.35498,"confidence":0.9980469,"punctuated_word":"regularly","sentiment":"positive","sentiment_score":0.3511020541191101},{"word":"each","start":374.415,"end":374.655,"confidence":0.99902344,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.31010890007019043},{"word":"year","start":374.655,"end":375.155,"confidence":0.9863281,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.2580448389053345},{"word":"as","start":375.535,"end":375.775,"confidence":0.984375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25061333179473877},{"word":"you","start":375.775,"end":375.85498,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2345992922782898},{"word":"move","start":375.85498,"end":376.175,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.26095694303512573},{"word":"up","start":376.175,"end":376.255,"confidence":0.99121094,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1981900185346603},{"word":"in","start":376.255,"end":376.495,"confidence":0.9667969,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20219087600708008},{"word":"the","start":376.495,"end":376.655,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1793888658285141},{"word":"tax","start":376.655,"end":376.895,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.13469451665878296},{"word":"brackets","start":376.895,"end":377.375,"confidence":0.93359375,"punctuated_word":"brackets,","sentiment":"neutral","sentiment_score":0.19025151431560516},{"word":"it","start":377.375,"end":377.535,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20500269532203672},{"word":"might","start":377.535,"end":377.775,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.26133376359939575},{"word":"be","start":377.775,"end":377.935,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.21158422529697415},{"word":"worthwhile","start":377.935,"end":378.435,"confidence":0.99316406,"punctuated_word":"worthwhile","sentiment":"neutral","sentiment_score":0.2287179529666901},{"word":"looking","start":378.57498,"end":378.975,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.21203917264938352},{"word":"at","start":378.975,"end":379.215,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14457422494888306},{"word":"later","start":379.215,"end":379.695,"confidence":0.4724121,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.23652255535125732},{"word":"down","start":379.695,"end":380.01498,"confidence":0.98291016,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1651833951473236},{"word":"the","start":380.01498,"end":380.095,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1930248737335205},{"word":"track","start":380.095,"end":380.55,"confidence":0.99902344,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.1714644432067871},{"word":"at","start":381.03,"end":381.19,"confidence":0.82958984,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13767051696777344},{"word":"additional","start":381.19,"end":381.59,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.15517865121364594},{"word":"ways","start":381.59,"end":381.90997,"confidence":0.99902344,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.26379042863845825},{"word":"to","start":381.90997,"end":382.06998,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1959666013717651},{"word":"help","start":382.06998,"end":382.31,"confidence":0.99902344,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.243922621011734},{"word":"reduce","start":382.31,"end":382.71,"confidence":0.9980469,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.2026776522397995},{"word":"tax","start":382.71,"end":383.11,"confidence":0.99902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.15993176400661469},{"word":"without","start":383.11,"end":383.50998,"confidence":1.0,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.24326249957084656},{"word":"that","start":383.50998,"end":383.66998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1960333287715912},{"word":"being","start":383.66998,"end":383.90997,"confidence":0.99316406,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.12902221083641052},{"word":"your","start":383.90997,"end":384.06998,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16896259784698486},{"word":"total","start":384.06998,"end":384.38998,"confidence":1.0,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.1542157679796219},{"word":"goal","start":384.38998,"end":384.88998,"confidence":0.88134766,"punctuated_word":"goal,","sentiment":"neutral","sentiment_score":0.20056697726249695},{"word":"looking","start":384.94998,"end":385.27,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.2333182990550995},{"word":"at","start":385.27,"end":385.34998,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.279946893453598},{"word":"ways","start":385.34998,"end":385.66998,"confidence":1.0,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.2938787639141083},{"word":"to","start":385.66998,"end":385.83,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23905616998672485},{"word":"help","start":385.83,"end":386.15,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.26975855231285095},{"word":"kind","start":386.15,"end":386.31,"confidence":0.93115234,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.24513894319534305},{"word":"of","start":386.31,"end":386.47,"confidence":0.99853516,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.23376087844371796},{"word":"you","start":386.47,"end":386.62997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19807115197181704},{"word":"know","start":386.62997,"end":387.12997,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.18339461088180545},{"word":"reduce","start":387.19,"end":387.59,"confidence":0.99902344,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.1193779557943344},{"word":"or","start":387.59,"end":387.83,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11913728713989258},{"word":"limit","start":387.83,"end":388.15,"confidence":0.9941406,"punctuated_word":"limit","sentiment":"neutral","sentiment_score":0.04095345735549927},{"word":"the","start":388.15,"end":388.31,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.054080381989479065},{"word":"amount","start":388.31,"end":388.55,"confidence":0.9873047,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.06574852764606476},{"word":"of","start":388.55,"end":388.62997,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07602587342262268},{"word":"tax","start":388.62997,"end":388.94998,"confidence":0.9863281,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.11502683162689208},{"word":"payable","start":388.94998,"end":389.43,"confidence":0.9970703,"punctuated_word":"payable","sentiment":"neutral","sentiment_score":0.16211973130702972},{"word":"and","start":389.43,"end":389.66998,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1954120397567749},{"word":"benefit","start":389.66998,"end":390.15,"confidence":0.7392578,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.2595725655555725},{"word":"super","start":390.15,"end":390.47,"confidence":0.9667969,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.33107990026474},{"word":"down","start":390.47,"end":390.71,"confidence":0.9970703,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2176852822303772},{"word":"the","start":390.71,"end":390.87,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.122783824801445},{"word":"track","start":390.87,"end":391.19,"confidence":0.9851074,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.11765345185995102},{"word":"so","start":391.19,"end":391.69,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22077152132987976},{"word":"i","start":391.90997,"end":392.06998,"confidence":0.9428711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2642262876033783},{"word":"look","start":392.06998,"end":392.31,"confidence":0.8989258,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.27046748995780945},{"word":"to","start":392.31,"end":392.38998,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30061644315719604},{"word":"retain","start":392.38998,"end":392.71,"confidence":0.99902344,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.22184404730796817},{"word":"your","start":392.71,"end":392.94998,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29573023319244385},{"word":"salary","start":392.94998,"end":393.43,"confidence":1.0,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":0.21901865303516388},{"word":"sacrifice","start":393.43,"end":393.93,"confidence":0.9941406,"punctuated_word":"sacrifice","sentiment":"neutral","sentiment_score":0.1873073577880859},{"word":"as","start":393.99,"end":394.15,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3653974235057831},{"word":"it","start":394.15,"end":394.31,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3296769857406616},{"word":"is","start":394.31,"end":394.695,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.28780969977378845},{"word":"and","start":395.17502,"end":395.415,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26950472593307495},{"word":"just","start":395.415,"end":395.655,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.288497656583786},{"word":"sort","start":395.655,"end":395.815,"confidence":0.9819336,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.28836458921432495},{"word":"of","start":395.815,"end":395.975,"confidence":0.8051758,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.293003112077713},{"word":"switch","start":395.975,"end":396.215,"confidence":0.98828125,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.24403627216815948},{"word":"those","start":396.215,"end":396.45502,"confidence":0.9980469,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3363969624042511},{"word":"investments","start":396.45502,"end":396.95502,"confidence":0.9970703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.16933131217956543},{"word":"out","start":397.015,"end":397.17502,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3832201361656189},{"word":"there","start":397.17502,"end":397.415,"confidence":0.99902344,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3772546947002411},{"word":"for","start":397.415,"end":397.575,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3269149363040924},{"word":"you","start":397.575,"end":398.075,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.275826632976532},{"word":"to","start":398.215,"end":398.45502,"confidence":0.99609375,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.2824535667896271},{"word":"show","start":398.45502,"end":398.695,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.3291614055633545},{"word":"you","start":398.695,"end":398.935,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3775153458118438},{"word":"how","start":398.935,"end":399.17502,"confidence":1.0,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.38648396730422974},{"word":"i'm","start":399.17502,"end":399.415,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.39049261808395386},{"word":"going","start":399.415,"end":399.655,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.475793182849884},{"word":"to","start":399.655,"end":399.815,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.46482226252555847},{"word":"change","start":399.815,"end":400.055,"confidence":1.0,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.3736499547958374},{"word":"those","start":400.055,"end":400.375,"confidence":0.99902344,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3640735149383545},{"word":"investments","start":400.375,"end":400.855,"confidence":0.99902344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.18676793575286865},{"word":"to","start":400.855,"end":401.015,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34442999958992004},{"word":"make","start":401.015,"end":401.17502,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3831307888031006},{"word":"it","start":401.17502,"end":401.415,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3603410124778747},{"word":"easier","start":401.415,"end":401.89502,"confidence":0.986084,"punctuated_word":"easier,","sentiment":"positive","sentiment_score":0.399821400642395},{"word":"if","start":401.89502,"end":402.135,"confidence":0.99902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3568388819694519},{"word":"you","start":402.135,"end":402.215,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2391701638698578},{"word":"move","start":402.215,"end":402.535,"confidence":0.99121094,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.20812571048736572},{"word":"down","start":402.535,"end":402.775,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2539692223072052},{"word":"to","start":402.775,"end":403.015,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16636180877685547},{"word":"page","start":403.015,"end":403.33502,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.17094314098358154},{"word":"number","start":403.33502,"end":403.815,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.16115131974220276},{"word":"18","start":403.815,"end":404.315,"confidence":0.72509766,"punctuated_word":"18,","sentiment":"neutral","sentiment_score":0.18381589651107788},{"word":"beautiful","start":416.55,"end":417.05,"confidence":0.9980469,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.619448184967041},{"word":"so","start":417.11,"end":417.27,"confidence":0.89208984,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24434250593185425},{"word":"this","start":417.27,"end":417.34998,"confidence":0.99316406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.21262027323246},{"word":"is","start":417.34998,"end":417.50998,"confidence":0.9550781,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21362602710723877},{"word":"the","start":417.50998,"end":417.59,"confidence":0.8178711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24655449390411377},{"word":"fee","start":417.59,"end":417.83,"confidence":0.8408203,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.23973356187343595},{"word":"comparison","start":417.83,"end":418.33,"confidence":1.0,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.19813977181911469},{"word":"table","start":418.47,"end":418.87,"confidence":0.95288086,"punctuated_word":"table.","sentiment":"neutral","sentiment_score":0.1699338257312775},{"word":"so","start":418.87,"end":418.94998,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2105062305927277},{"word":"it","start":418.94998,"end":419.19,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21845050156116488},{"word":"essentially","start":419.19,"end":419.66998,"confidence":0.9970703,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.19637882709503177},{"word":"shows","start":419.66998,"end":419.91,"confidence":0.99902344,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.2011026293039322},{"word":"you","start":419.91,"end":419.99,"confidence":0.5385742,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2343589812517166},{"word":"the","start":419.99,"end":420.06998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18257807195186615},{"word":"reason","start":420.06998,"end":420.47,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.16777226328849792},{"word":"behind","start":420.47,"end":420.78998,"confidence":1.0,"punctuated_word":"behind","sentiment":"neutral","sentiment_score":0.1686704009771347},{"word":"my","start":420.78998,"end":421.03,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.22034502029418945},{"word":"recommendations","start":421.03,"end":421.53,"confidence":0.9980469,"punctuated_word":"recommendations.","sentiment":"neutral","sentiment_score":0.18949413299560547},{"word":"as","start":422.47498,"end":422.63498,"confidence":1.0,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.15604253113269806},{"word":"i","start":422.63498,"end":422.715,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12140987813472748},{"word":"kinda","start":422.715,"end":423.115,"confidence":0.96972656,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.16465291380882263},{"word":"mentioned","start":423.115,"end":423.59497,"confidence":0.99194336,"punctuated_word":"mentioned,","sentiment":"neutral","sentiment_score":0.1525888293981552},{"word":"when","start":423.59497,"end":423.835,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.14830102026462555},{"word":"we","start":423.835,"end":424.07498,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1574379801750183},{"word":"do","start":424.07498,"end":424.31497,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.155517578125},{"word":"make","start":424.31497,"end":424.555,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.15324179828166962},{"word":"switches","start":424.555,"end":424.955,"confidence":0.9941406,"punctuated_word":"switches","sentiment":"neutral","sentiment_score":0.11218710243701936},{"word":"of","start":424.955,"end":425.115,"confidence":0.8613281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12621565163135529},{"word":"investments","start":425.115,"end":425.615,"confidence":0.91015625,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.10312600433826448},{"word":"like","start":425.995,"end":426.235,"confidence":0.57958984,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.17753849923610687},{"word":"your","start":426.235,"end":426.47498,"confidence":0.52978516,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2037515789270401},{"word":"super","start":426.47498,"end":426.715,"confidence":0.7675781,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.20773285627365112},{"word":"fund","start":426.715,"end":426.955,"confidence":0.7546387,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.16198012232780457},{"word":"just","start":426.955,"end":427.115,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16901913285255432},{"word":"like","start":427.115,"end":427.35498,"confidence":0.97314453,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.15272504091262817},{"word":"you","start":427.35498,"end":427.51498,"confidence":0.8913574,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.17421701550483704},{"word":"does","start":427.51498,"end":427.675,"confidence":0.9921875,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.11586517840623856},{"word":"a","start":427.675,"end":427.835,"confidence":0.9506836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11390910297632216},{"word":"tax","start":427.835,"end":428.07498,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1072716787457466},{"word":"return","start":428.07498,"end":428.395,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.11084356904029846},{"word":"every","start":428.395,"end":428.715,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.08415719866752625},{"word":"year","start":428.715,"end":429.115,"confidence":0.76464844,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.10469838976860046},{"word":"they","start":429.115,"end":429.35498,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.09501001238822936},{"word":"pay","start":429.35498,"end":429.675,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.05550438165664673},{"word":"income","start":429.675,"end":430.07498,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05767813324928284},{"word":"tax","start":430.07498,"end":430.235,"confidence":0.97314453,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.106440469622612},{"word":"and","start":430.235,"end":430.47498,"confidence":0.9526367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09034153819084167},{"word":"capital","start":430.47498,"end":430.875,"confidence":1.0,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.05992642045021057},{"word":"gains","start":430.875,"end":431.19498,"confidence":0.9770508,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.07527860999107361},{"word":"tax","start":431.19498,"end":431.51498,"confidence":0.9707031,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.10828797519207},{"word":"and","start":431.51498,"end":431.59497,"confidence":0.94970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08087196946144104},{"word":"things","start":431.59497,"end":431.91498,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.05995739623904228},{"word":"like","start":431.91498,"end":432.155,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07178175449371338},{"word":"that","start":432.155,"end":432.655,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07454346120357513},{"word":"so","start":432.79498,"end":432.955,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09097248315811156},{"word":"when","start":432.955,"end":433.19498,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08775865286588669},{"word":"i","start":433.19498,"end":433.275,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09536689519882202},{"word":"looked","start":433.275,"end":433.59497,"confidence":0.99316406,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.09907720983028412},{"word":"at","start":433.59497,"end":433.91498,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1006314530968666},{"word":"how","start":433.91498,"end":434.07498,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.11561797559261322},{"word":"to","start":434.07498,"end":434.155,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10854893922805786},{"word":"switch","start":434.155,"end":434.43,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.0881996899843216},{"word":"the","start":434.43,"end":434.66998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09836769104003906},{"word":"investments","start":434.66998,"end":434.91,"confidence":0.8076172,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.05496201291680336},{"word":"and","start":434.91,"end":435.15,"confidence":0.96240234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1049043908715248},{"word":"make","start":435.15,"end":435.38998,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1456635594367981},{"word":"the","start":435.38998,"end":435.63,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12880021333694458},{"word":"changes","start":435.63,"end":436.13,"confidence":0.99658203,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.12496842443943024},{"word":"the","start":436.35,"end":436.59,"confidence":0.5107422,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10803008079528809},{"word":"changes","start":436.59,"end":436.91,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.1747676432132721},{"word":"i'm","start":436.91,"end":437.15,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12218330800533296},{"word":"recommending","start":437.15,"end":437.65,"confidence":1.0,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.1510651409626007},{"word":"will","start":437.78998,"end":438.03,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09394840151071548},{"word":"result","start":438.03,"end":438.35,"confidence":0.99902344,"punctuated_word":"result","sentiment":"neutral","sentiment_score":0.15438547730445862},{"word":"only","start":438.35,"end":438.50998,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.11508869379758836},{"word":"in","start":438.50998,"end":438.75,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10108081996440887},{"word":"about","start":438.75,"end":438.99,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.060475245118141174},{"word":"a","start":438.99,"end":439.15,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08050166815519333},{"word":"$127","start":439.15,"end":440.43,"confidence":0.9996338,"punctuated_word":"$127","sentiment":"neutral","sentiment_score":0.08815182745456696},{"word":"as","start":440.43,"end":440.59,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.060056447982788086},{"word":"a","start":440.59,"end":440.83,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07647491991519928},{"word":"cdt","start":440.83,"end":441.33,"confidence":0.8959961,"punctuated_word":"CDT","sentiment":"neutral","sentiment_score":0.028736423701047897},{"word":"consequence","start":441.38998,"end":441.88998,"confidence":0.9819336,"punctuated_word":"consequence","sentiment":"neutral","sentiment_score":0.06476026773452759},{"word":"for","start":441.94998,"end":442.11,"confidence":0.7661133,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11318262666463852},{"word":"your","start":442.11,"end":442.35,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0961395651102066},{"word":"super","start":442.35,"end":442.75,"confidence":0.94140625,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.10352416336536407},{"word":"so","start":442.75,"end":443.22998,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08938390016555786},{"word":"it","start":443.22998,"end":443.47,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12161605060100555},{"word":"essentially","start":443.47,"end":443.87,"confidence":0.9838867,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.09858904778957368},{"word":"means","start":443.87,"end":444.19,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.07088188827037811},{"word":"that","start":444.19,"end":444.27,"confidence":0.55322266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0668972060084343},{"word":"your","start":444.27,"end":444.50998,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08821578323841095},{"word":"balance","start":444.50998,"end":444.83,"confidence":0.9951172,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.059992946684360504},{"word":"is","start":444.83,"end":444.99,"confidence":0.8276367,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.029681071639060978},{"word":"$191,001.28","start":444.99,"end":447.38998,"confidence":0.9950823,"punctuated_word":"$191,001.28","sentiment":"neutral","sentiment_score":0.07860210537910461},{"word":"currently","start":447.38998,"end":447.88998,"confidence":0.75097656,"punctuated_word":"currently.","sentiment":"neutral","sentiment_score":0.03023704513907433},{"word":"we","start":448.645,"end":448.725,"confidence":0.9819336,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.05690149962902069},{"word":"only","start":448.725,"end":449.205,"confidence":0.9980469,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.024874597787857056},{"word":"expect","start":449.205,"end":449.525,"confidence":0.9980469,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.01885461062192917},{"word":"after","start":449.525,"end":449.76498,"confidence":0.6401367,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.056033164262771606},{"word":"the","start":449.76498,"end":450.005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04051537811756134},{"word":"changes","start":450.005,"end":450.505,"confidence":0.87158203,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.06631103157997131},{"word":"a","start":450.565,"end":450.725,"confidence":0.8310547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05452774837613106},{"word":"127","start":450.725,"end":451.685,"confidence":0.99902344,"punctuated_word":"127","sentiment":"neutral","sentiment_score":0.04379910975694656},{"word":"in","start":451.685,"end":451.925,"confidence":0.9526367,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01906260848045349},{"word":"cgt","start":451.925,"end":452.425,"confidence":0.9402669,"punctuated_word":"CGT,","sentiment":"neutral","sentiment_score":0.04512619227170944},{"word":"which","start":452.565,"end":452.725,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.060217104852199554},{"word":"means","start":452.725,"end":452.965,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.05922040343284607},{"word":"your","start":452.965,"end":453.205,"confidence":0.90478516,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11774029582738876},{"word":"starting","start":453.205,"end":453.525,"confidence":1.0,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":0.1066938489675522},{"word":"balance","start":453.525,"end":453.925,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.07566642761230469},{"word":"remains","start":453.925,"end":454.405,"confidence":0.99902344,"punctuated_word":"remains","sentiment":"neutral","sentiment_score":0.1312565803527832},{"word":"higher","start":454.405,"end":454.905,"confidence":0.9946289,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":0.11620879173278809},{"word":"with","start":455.285,"end":455.525,"confidence":0.9980469,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.2063308209180832},{"word":"the","start":455.525,"end":455.685,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26732736825942993},{"word":"new","start":455.685,"end":455.925,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.314975380897522},{"word":"changes","start":455.925,"end":456.32498,"confidence":0.9199219,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.29079508781433105},{"word":"and","start":456.32498,"end":456.485,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3070470690727234},{"word":"i'll","start":456.485,"end":456.645,"confidence":0.9980469,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2848966419696808},{"word":"take","start":456.645,"end":456.805,"confidence":0.99902344,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.34975674748420715},{"word":"you","start":456.805,"end":456.965,"confidence":0.98095703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2916070520877838},{"word":"through","start":456.965,"end":457.205,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.31106841564178467},{"word":"individually","start":457.205,"end":457.705,"confidence":0.9863281,"punctuated_word":"individually","sentiment":"neutral","sentiment_score":0.3254563510417938},{"word":"in","start":457.76498,"end":457.925,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3036523163318634},{"word":"a","start":457.925,"end":458.085,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2916892170906067},{"word":"second","start":458.085,"end":458.585,"confidence":0.9658203,"punctuated_word":"second,","sentiment":"neutral","sentiment_score":0.25398916006088257},{"word":"the","start":458.725,"end":458.885,"confidence":0.98828125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3396165370941162},{"word":"new","start":458.885,"end":459.125,"confidence":1.0,"punctuated_word":"new","sentiment":"positive","sentiment_score":0.4295845031738281},{"word":"portfolio","start":459.125,"end":459.625,"confidence":0.9892578,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2537875473499298},{"word":"is","start":459.76498,"end":459.925,"confidence":0.90283203,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.36810028553009033},{"word":"also","start":459.925,"end":460.165,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.3319094181060791},{"word":"cheaper","start":460.165,"end":460.565,"confidence":0.9760742,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.29667940735816956},{"word":"in","start":460.565,"end":460.725,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.28068944811820984},{"word":"investment","start":460.725,"end":461.225,"confidence":0.9970703,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.05620570480823517},{"word":"fees","start":461.365,"end":461.85,"confidence":0.95092773,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.1588856428861618},{"word":"so","start":462.01,"end":462.17,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.096030130982399},{"word":"you're","start":462.17,"end":462.33002,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09004174172878265},{"word":"currently","start":462.33002,"end":462.81,"confidence":0.99902344,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.02928759902715683},{"word":"paying","start":462.81,"end":463.13,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.06515218317508698},{"word":"851","start":463.13,"end":464.25,"confidence":0.9986328,"punctuated_word":"851","sentiment":"neutral","sentiment_score":0.09445464611053468},{"word":"for","start":464.25,"end":464.41,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.019053958356380463},{"word":"the","start":464.41,"end":464.49002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05088254064321518},{"word":"year","start":464.49002,"end":464.73,"confidence":0.9970703,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.07518941909074783},{"word":"in","start":464.73,"end":464.89,"confidence":0.97509766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.003244176506996155},{"word":"investment","start":464.89,"end":465.39,"confidence":0.9921875,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03604089468717575},{"word":"fees","start":465.45,"end":465.69,"confidence":0.99121094,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.12034115940332411},{"word":"for","start":465.69,"end":465.85,"confidence":0.5258789,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0649920254945755},{"word":"the","start":465.85,"end":465.93,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0700119361281395},{"word":"current","start":465.93,"end":466.33002,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.0755496546626091},{"word":"portfolio","start":466.33002,"end":466.83002,"confidence":0.9946289,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.02996553480625153},{"word":"the","start":467.53,"end":467.69,"confidence":0.9980469,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.6372779011726379},{"word":"newer","start":467.69,"end":468.01,"confidence":0.9838867,"punctuated_word":"newer","sentiment":"positive","sentiment_score":0.6098505258560181},{"word":"portfolio","start":468.01,"end":468.51,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.5806724429130554},{"word":"i'm","start":468.57,"end":468.73,"confidence":0.97802734,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6435865163803101},{"word":"recommending","start":468.73,"end":469.23,"confidence":1.0,"punctuated_word":"recommending","sentiment":"positive","sentiment_score":0.6876375675201416},{"word":"saves","start":469.29,"end":469.61002,"confidence":0.94921875,"punctuated_word":"saves","sentiment":"positive","sentiment_score":0.5583111047744751},{"word":"you","start":469.61002,"end":469.77002,"confidence":0.9819336,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.660687267780304},{"word":"about","start":469.77002,"end":470.01,"confidence":0.9873047,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.6636741757392883},{"word":"$284","start":470.01,"end":471.29,"confidence":0.9987305,"punctuated_word":"$284","sentiment":"positive","sentiment_score":0.608649492263794},{"word":"in","start":471.29,"end":471.53,"confidence":0.9370117,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5297225117683411},{"word":"investment","start":471.53,"end":472.01,"confidence":0.9760742,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.31880152225494385},{"word":"fees","start":472.01,"end":472.33002,"confidence":0.984375,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.5685181617736816},{"word":"there","start":472.33002,"end":472.57,"confidence":0.9067383,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.5151437520980835},{"word":"so","start":472.57,"end":472.81,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6360904574394226},{"word":"that","start":472.81,"end":473.05002,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6794043183326721},{"word":"outweighs","start":473.05002,"end":473.55002,"confidence":0.9995117,"punctuated_word":"outweighs","sentiment":"positive","sentiment_score":0.7159384489059448},{"word":"the","start":473.61002,"end":473.85,"confidence":0.99121094,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7589104175567627},{"word":"cgt","start":473.85,"end":474.35,"confidence":0.74975586,"punctuated_word":"CGT","sentiment":"positive","sentiment_score":0.4802255034446716},{"word":"cost","start":474.49,"end":474.81,"confidence":0.9375,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.40607836842536926},{"word":"of","start":474.81,"end":474.97,"confidence":0.7441406,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6178475618362427},{"word":"making","start":474.97,"end":475.37,"confidence":0.9760742,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.704365074634552},{"word":"the","start":475.37,"end":475.53,"confidence":0.91845703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7198957204818726},{"word":"switch","start":475.53,"end":475.845,"confidence":1.0,"punctuated_word":"switch","sentiment":"positive","sentiment_score":0.6134928464889526},{"word":"and","start":476.085,"end":476.325,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6233533620834351},{"word":"makes","start":476.325,"end":476.565,"confidence":0.9980469,"punctuated_word":"makes","sentiment":"positive","sentiment_score":0.7068492770195007},{"word":"the","start":476.565,"end":476.805,"confidence":0.9790039,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7790495157241821},{"word":"portfolio","start":476.805,"end":477.305,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.664063036441803},{"word":"cheaper","start":477.445,"end":477.765,"confidence":0.99316406,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.8065801858901978},{"word":"for","start":477.765,"end":477.925,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8175723552703857},{"word":"you","start":477.925,"end":478.165,"confidence":0.9838867,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8141962885856628},{"word":"long","start":478.165,"end":478.48502,"confidence":0.9892578,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.7361062169075012},{"word":"term","start":478.48502,"end":478.725,"confidence":0.9980469,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.6886943578720093},{"word":"as","start":478.725,"end":478.885,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.7144155502319336},{"word":"well","start":478.885,"end":479.385,"confidence":1.0,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.5539669990539551},{"word":"i","start":479.845,"end":480.005,"confidence":0.57470703,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.524591863155365},{"word":"also","start":480.005,"end":480.325,"confidence":0.98828125,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.32751017808914185},{"word":"noted","start":480.325,"end":480.645,"confidence":0.984375,"punctuated_word":"noted","sentiment":"positive","sentiment_score":0.4010870754718781},{"word":"that","start":480.645,"end":480.885,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.453608512878418},{"word":"because","start":480.885,"end":481.125,"confidence":0.9863281,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.3495060205459595},{"word":"of","start":481.125,"end":481.285,"confidence":0.99316406,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.415951669216156},{"word":"the","start":481.285,"end":481.365,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4044471383094787},{"word":"difference","start":481.365,"end":481.765,"confidence":0.9980469,"punctuated_word":"difference","sentiment":"positive","sentiment_score":0.44001972675323486},{"word":"in","start":481.765,"end":481.925,"confidence":0.97998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3258720338344574},{"word":"balance","start":481.925,"end":482.425,"confidence":0.98657227,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.3273659348487854},{"word":"obviously","start":482.48502,"end":482.885,"confidence":0.9951172,"punctuated_word":"obviously,","sentiment":"positive","sentiment_score":0.4387158751487732},{"word":"our","start":482.885,"end":483.125,"confidence":0.99316406,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.5500612258911133},{"word":"ongoing","start":483.125,"end":483.605,"confidence":0.9980469,"punctuated_word":"ongoing","sentiment":"positive","sentiment_score":0.5331218242645264},{"word":"adviser","start":483.605,"end":484.005,"confidence":0.8935547,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.32345345616340637},{"word":"fee","start":484.005,"end":484.165,"confidence":0.9536133,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.3903370797634125},{"word":"is","start":484.165,"end":484.405,"confidence":0.89501953,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4569045305252075},{"word":"reduced","start":484.405,"end":484.805,"confidence":0.99121094,"punctuated_word":"reduced","sentiment":"positive","sentiment_score":0.42097845673561096},{"word":"a","start":484.805,"end":484.885,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.49988263845443726},{"word":"little","start":484.885,"end":485.125,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3784257769584656},{"word":"bit","start":485.125,"end":485.285,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.41104254126548767},{"word":"as","start":485.285,"end":485.365,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.48989585041999817},{"word":"well","start":485.365,"end":485.685,"confidence":0.8754883,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.5084360837936401},{"word":"expected","start":485.685,"end":486.085,"confidence":0.95166016,"punctuated_word":"expected","sentiment":"positive","sentiment_score":0.6515578031539917},{"word":"to","start":486.085,"end":486.245,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5743592381477356},{"word":"save","start":486.245,"end":486.485,"confidence":0.9921875,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.4568063914775848},{"word":"you","start":486.485,"end":486.645,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6054524779319763},{"word":"about","start":486.645,"end":486.965,"confidence":0.99902344,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.5198447704315186},{"word":"$65","start":486.965,"end":487.845,"confidence":0.9987793,"punctuated_word":"$65","sentiment":"positive","sentiment_score":0.5645562410354614},{"word":"for","start":487.845,"end":488.085,"confidence":0.95703125,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5897178649902344},{"word":"the","start":488.085,"end":488.245,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.515897274017334},{"word":"year","start":488.245,"end":488.7,"confidence":0.95947266,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.44285616278648376},{"word":"and","start":489.18002,"end":489.42,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.286516934633255},{"word":"then","start":489.42,"end":489.58002,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2594074308872223},{"word":"i","start":489.58002,"end":489.74002,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29369592666625977},{"word":"have","start":489.74002,"end":489.90002,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26543423533439636},{"word":"made","start":489.90002,"end":490.14,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.3149294853210449},{"word":"a","start":490.14,"end":490.30002,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.314314603805542},{"word":"recommendation","start":490.30002,"end":490.80002,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.3298323154449463},{"word":"on","start":490.86002,"end":491.1,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.23560290038585663},{"word":"insurances","start":491.1,"end":491.6,"confidence":0.86157227,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.2054532766342163},{"word":"to","start":491.74002,"end":491.98,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18803200125694275},{"word":"factor","start":491.98,"end":492.30002,"confidence":0.99316406,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.2798009514808655},{"word":"in","start":492.30002,"end":492.54,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1996186077594757},{"word":"as","start":492.54,"end":492.62003,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2099665105342865},{"word":"well","start":492.62003,"end":492.94,"confidence":0.97314453,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.174026757478714},{"word":"that","start":492.94,"end":493.1,"confidence":0.98828125,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.15797945857048035},{"word":"does","start":493.1,"end":493.26,"confidence":0.98095703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.15036895871162417},{"word":"mean","start":493.26,"end":493.5,"confidence":0.9970703,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.15365053713321686},{"word":"the","start":493.5,"end":493.58002,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18298229575157168},{"word":"insurance","start":493.58002,"end":494.06,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.09065602719783784},{"word":"cost","start":494.06,"end":494.38,"confidence":0.9086914,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.07390515506267548},{"word":"expected","start":494.38,"end":494.78,"confidence":0.9873047,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.12709280848503113},{"word":"is","start":494.78,"end":494.94,"confidence":0.96875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02985191345214844},{"word":"to","start":494.94,"end":495.02002,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019410371780395508},{"word":"be","start":495.02002,"end":495.18002,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08668667823076248},{"word":"a","start":495.18002,"end":495.26,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04736972972750664},{"word":"little","start":495.26,"end":495.5,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0028968900442123413},{"word":"bit","start":495.5,"end":495.66,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.02148241549730301},{"word":"higher","start":495.66,"end":496.16,"confidence":1.0,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":0.07052840292453766},{"word":"the","start":496.54,"end":496.7,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.2621265947818756},{"word":"other","start":496.7,"end":496.94,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2589992880821228},{"word":"thing","start":496.94,"end":497.1,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.2175838053226471},{"word":"i","start":497.1,"end":497.26,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17450076341629028},{"word":"sort","start":497.26,"end":497.42,"confidence":0.7890625,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1847405880689621},{"word":"of","start":497.42,"end":497.58002,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17793482542037964},{"word":"look","start":497.58002,"end":497.82,"confidence":0.8989258,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1500277817249298},{"word":"at","start":497.82,"end":497.98,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20877324044704437},{"word":"and","start":497.98,"end":498.14,"confidence":0.93847656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13097594678401947},{"word":"factor","start":498.14,"end":498.54,"confidence":0.9707031,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.1471281349658966},{"word":"in","start":498.54,"end":498.86002,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1733803749084473},{"word":"is","start":498.86002,"end":499.1,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11354617774486542},{"word":"how","start":499.1,"end":499.34003,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.13433828949928284},{"word":"the","start":499.34003,"end":499.58002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2031027376651764},{"word":"portfolios","start":499.58002,"end":500.08002,"confidence":0.8701172,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.16659866273403168},{"word":"have","start":500.30002,"end":500.54,"confidence":0.9838867,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08723726123571396},{"word":"been","start":500.54,"end":500.7,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.09241299331188202},{"word":"performing","start":500.7,"end":501.2,"confidence":0.98999023,"punctuated_word":"performing.","sentiment":"neutral","sentiment_score":0.17572425305843353},{"word":"so","start":501.42,"end":501.74002,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18336400389671328},{"word":"you're","start":501.74002,"end":501.90002,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17733970284461975},{"word":"currently","start":501.90002,"end":502.30002,"confidence":1.0,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.09663429856300354},{"word":"in","start":502.30002,"end":502.38,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15143972635269165},{"word":"that","start":502.38,"end":502.62003,"confidence":0.9633789,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12197555601596832},{"word":"high","start":502.62003,"end":502.78,"confidence":0.9941406,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.029141247272491455},{"word":"growth","start":502.78,"end":503.02002,"confidence":0.9921875,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.06881274282932281},{"word":"environment","start":503.02002,"end":503.52002,"confidence":0.9980469,"punctuated_word":"environment","sentiment":"neutral","sentiment_score":0.0342840850353241},{"word":"wanting","start":503.58002,"end":503.90002,"confidence":0.62939453,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.02976962924003601},{"word":"to","start":503.90002,"end":504.06,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028955861926078796},{"word":"take","start":504.06,"end":504.14,"confidence":0.984375,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.026543378829956055},{"word":"a","start":504.14,"end":504.435,"confidence":0.82470703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.017254993319511414},{"word":"bit","start":504.435,"end":504.51498,"confidence":0.9716797,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.028064727783203125},{"word":"more","start":504.51498,"end":504.675,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.03168058395385742},{"word":"risk","start":504.675,"end":504.835,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.04688100516796112},{"word":"in","start":504.835,"end":504.915,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.005002513527870178},{"word":"the","start":504.915,"end":505.155,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06455126404762268},{"word":"market","start":505.155,"end":505.555,"confidence":0.9863281,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.1917954832315445},{"word":"to","start":505.555,"end":505.635,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10801655054092409},{"word":"get","start":505.635,"end":505.875,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.260402649641037},{"word":"those","start":505.875,"end":506.115,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.22417686879634857},{"word":"greater","start":506.115,"end":506.435,"confidence":0.9941406,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.22610104084014893},{"word":"potential","start":506.435,"end":506.935,"confidence":1.0,"punctuated_word":"potential","sentiment":"positive","sentiment_score":0.4043921232223511},{"word":"returns","start":506.995,"end":507.495,"confidence":0.98413086,"punctuated_word":"returns.","sentiment":"neutral","sentiment_score":0.2890082001686096},{"word":"the","start":507.955,"end":508.115,"confidence":0.9902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.30147719383239746},{"word":"newer","start":508.115,"end":508.435,"confidence":0.9790039,"punctuated_word":"newer","sentiment":"positive","sentiment_score":0.3364570736885071},{"word":"portfolio","start":508.435,"end":508.935,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2302614152431488},{"word":"has","start":509.155,"end":509.315,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2703763246536255},{"word":"averaged","start":509.315,"end":509.79498,"confidence":0.99609375,"punctuated_word":"averaged","sentiment":"positive","sentiment_score":0.4347967803478241},{"word":"about","start":509.79498,"end":510.115,"confidence":0.9770508,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.39046189188957214},{"word":"9.77%","start":510.115,"end":511.715,"confidence":0.9959961,"punctuated_word":"9.77%","sentiment":"positive","sentiment_score":0.37849974632263184},{"word":"on","start":511.715,"end":511.875,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3519403338432312},{"word":"a","start":511.875,"end":511.955,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.34386640787124634},{"word":"yearly","start":511.955,"end":512.275,"confidence":1.0,"punctuated_word":"yearly","sentiment":"positive","sentiment_score":0.3599543571472168},{"word":"basis","start":512.275,"end":512.675,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.23627477884292605},{"word":"over","start":512.675,"end":512.915,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.3434715270996094},{"word":"the","start":512.915,"end":513.075,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2871550917625427},{"word":"past","start":513.075,"end":513.315,"confidence":1.0,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.2088023871183395},{"word":"five","start":513.315,"end":513.555,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.22074028849601743},{"word":"years","start":513.555,"end":514.035,"confidence":0.9482422,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.2351202666759491},{"word":"whereas","start":514.035,"end":514.355,"confidence":0.9980469,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":0.12863856554031372},{"word":"the","start":514.355,"end":514.595,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11000258475542068},{"word":"new","start":514.595,"end":514.755,"confidence":0.9970703,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.07007566094398499},{"word":"portfolio","start":514.755,"end":515.255,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.07227655500173569},{"word":"has","start":515.315,"end":515.555,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.11832547187805176},{"word":"averaged","start":515.555,"end":516.035,"confidence":0.9980469,"punctuated_word":"averaged","sentiment":"neutral","sentiment_score":0.1762460470199585},{"word":"about","start":516.035,"end":516.275,"confidence":0.9902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09844017773866652},{"word":"11.33%","start":516.275,"end":517.815,"confidence":0.9944336,"punctuated_word":"11.33%.","sentiment":"neutral","sentiment_score":0.20558519661426544},{"word":"so","start":517.83,"end":517.99,"confidence":0.99121094,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.40445852279663086},{"word":"when","start":517.99,"end":518.15,"confidence":0.99902344,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.537169873714447},{"word":"we","start":518.15,"end":518.23004,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.43764108419418335},{"word":"take","start":518.23004,"end":518.55,"confidence":0.9902344,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.39035528898239136},{"word":"into","start":518.55,"end":518.87,"confidence":0.9951172,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.37972545623779297},{"word":"account","start":518.87,"end":519.19,"confidence":0.9716797,"punctuated_word":"account","sentiment":"positive","sentiment_score":0.3669639825820923},{"word":"switching","start":519.19,"end":519.59,"confidence":0.87841797,"punctuated_word":"switching","sentiment":"positive","sentiment_score":0.4701942801475525},{"word":"the","start":519.59,"end":519.67004,"confidence":0.9482422,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4887202382087707},{"word":"investments","start":519.67004,"end":520.17004,"confidence":0.96435547,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.25436413288116455},{"word":"to","start":520.23004,"end":520.47003,"confidence":0.5722656,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34142741560935974},{"word":"cgt","start":520.47003,"end":520.97003,"confidence":0.80444336,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.19548717141151428},{"word":"costs","start":521.03,"end":521.53,"confidence":0.8078613,"punctuated_word":"costs,","sentiment":"neutral","sentiment_score":0.3029336929321289},{"word":"the","start":521.83,"end":521.99,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.433646023273468},{"word":"reduction","start":521.99,"end":522.39,"confidence":1.0,"punctuated_word":"reduction","sentiment":"neutral","sentiment_score":0.1866883933544159},{"word":"investment","start":522.39,"end":522.89,"confidence":0.734375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.09171952307224274},{"word":"fees","start":523.03,"end":523.53,"confidence":0.8166504,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.28445589542388916},{"word":"and","start":523.75,"end":523.99,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4463425576686859},{"word":"how","start":523.99,"end":524.23004,"confidence":0.9506836,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.494042456150055},{"word":"the","start":524.23004,"end":524.55,"confidence":0.9838867,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.653066873550415},{"word":"the","start":524.55,"end":524.87,"confidence":0.6328125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6633816957473755},{"word":"newer","start":524.87,"end":525.19,"confidence":0.9707031,"punctuated_word":"newer","sentiment":"positive","sentiment_score":0.5568933486938477},{"word":"portfolio","start":525.19,"end":525.69,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.48928624391555786},{"word":"has","start":525.83,"end":526.07,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5730946063995361},{"word":"performed","start":526.07,"end":526.55,"confidence":0.9941406,"punctuated_word":"performed","sentiment":"positive","sentiment_score":0.6218111515045166},{"word":"in","start":526.55,"end":526.71,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6109488606452942},{"word":"the","start":526.71,"end":526.87,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5888755917549133},{"word":"past","start":526.87,"end":527.37,"confidence":0.9904785,"punctuated_word":"past,","sentiment":"positive","sentiment_score":0.5079972147941589},{"word":"we","start":527.43,"end":527.59,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.6063027381896973},{"word":"can","start":527.59,"end":527.91003,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5743386745452881},{"word":"see","start":527.91003,"end":528.07,"confidence":0.99902344,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.6576886177062988},{"word":"as","start":528.07,"end":528.31,"confidence":0.77685547,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6015211343765259},{"word":"per","start":528.31,"end":528.47003,"confidence":0.9375,"punctuated_word":"per","sentiment":"positive","sentiment_score":0.6736804246902466},{"word":"the","start":528.47003,"end":528.55,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6617913246154785},{"word":"projection","start":528.55,"end":529.05,"confidence":0.94384766,"punctuated_word":"projection","sentiment":"positive","sentiment_score":0.6143164038658142},{"word":"table","start":529.11005,"end":529.51,"confidence":0.984375,"punctuated_word":"table","sentiment":"positive","sentiment_score":0.5988253355026245},{"word":"below","start":529.51,"end":530.01,"confidence":1.0,"punctuated_word":"below","sentiment":"positive","sentiment_score":0.4776374399662018},{"word":"that","start":530.16504,"end":530.325,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5778728723526001},{"word":"it's","start":530.325,"end":530.48505,"confidence":0.97436523,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6608356237411499},{"word":"expected","start":530.48505,"end":530.72504,"confidence":1.0,"punctuated_word":"expected","sentiment":"positive","sentiment_score":0.7421517968177795},{"word":"to","start":530.72504,"end":530.965,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7492047548294067},{"word":"put","start":530.965,"end":531.125,"confidence":1.0,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.7533046007156372},{"word":"you","start":531.125,"end":531.28503,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.793976366519928},{"word":"in","start":531.28503,"end":531.445,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.7961078882217407},{"word":"a","start":531.445,"end":531.525,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7388653755187988},{"word":"greater","start":531.525,"end":531.84503,"confidence":0.9980469,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.6722539067268372},{"word":"position","start":531.84503,"end":532.245,"confidence":1.0,"punctuated_word":"position","sentiment":"positive","sentiment_score":0.7084477543830872},{"word":"over","start":532.245,"end":532.48505,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.7042685151100159},{"word":"the","start":532.48505,"end":532.645,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6710798144340515},{"word":"next","start":532.645,"end":532.885,"confidence":1.0,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.5142346024513245},{"word":"five","start":532.885,"end":533.205,"confidence":1.0,"punctuated_word":"five","sentiment":"positive","sentiment_score":0.5776013135910034},{"word":"to","start":533.205,"end":533.28503,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4957423806190491},{"word":"ten","start":533.28503,"end":533.525,"confidence":1.0,"punctuated_word":"ten","sentiment":"positive","sentiment_score":0.6073436737060547},{"word":"years","start":533.525,"end":533.765,"confidence":0.9794922,"punctuated_word":"years,","sentiment":"positive","sentiment_score":0.6139644384384155},{"word":"which","start":533.765,"end":534.005,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6347096562385559},{"word":"is","start":534.005,"end":534.16504,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7871800661087036},{"word":"really","start":534.16504,"end":534.405,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.8235878944396973},{"word":"good","start":534.405,"end":534.565,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.8270101547241211},{"word":"and","start":534.565,"end":534.72504,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.8358052372932434},{"word":"important","start":534.72504,"end":535.22504,"confidence":1.0,"punctuated_word":"important.","sentiment":"positive","sentiment_score":0.7358342409133911},{"word":"okay","start":535.60504,"end":536.10504,"confidence":0.98657227,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.2852385640144348},{"word":"do","start":537.84503,"end":538.005,"confidence":0.9980469,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.05980032682418823},{"word":"you","start":538.005,"end":538.085,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04442135617136955},{"word":"have","start":538.085,"end":538.245,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.036998599767684937},{"word":"any","start":538.245,"end":538.48505,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05404090881347656},{"word":"questions","start":538.48505,"end":538.885,"confidence":0.9941406,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.058233533054590225},{"word":"so","start":538.885,"end":539.125,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05307489261031151},{"word":"far","start":539.125,"end":539.625,"confidence":1.0,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.03154599294066429},{"word":"no","start":541.60504,"end":542.10504,"confidence":0.9707031,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.03305397927761078},{"word":"beautiful","start":542.245,"end":542.745,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.34774458408355713},{"word":"if","start":543.42,"end":543.58,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1255883425474167},{"word":"you","start":543.58,"end":543.82,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07109004259109497},{"word":"scroll","start":543.82,"end":544.32,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.11790867149829865},{"word":"further","start":544.46,"end":544.77997,"confidence":0.9980469,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.15025494992733002},{"word":"down","start":544.77997,"end":545.02,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1775612831115723},{"word":"there","start":545.02,"end":545.26,"confidence":0.9921875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1391964554786682},{"word":"for","start":545.26,"end":545.5,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.050138384103775024},{"word":"me","start":545.5,"end":545.66,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05197683349251747},{"word":"to","start":545.66,"end":545.82,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.061617426574230194},{"word":"page","start":545.82,"end":546.14,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.0876365676522255},{"word":"number","start":546.14,"end":546.54,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.14186903834342957},{"word":"20","start":546.54,"end":547.02,"confidence":0.99560547,"punctuated_word":"20,","sentiment":"neutral","sentiment_score":0.12439799308776855},{"word":"this","start":547.02,"end":547.26,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07175026834011078},{"word":"is","start":547.26,"end":547.42,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10377948731184006},{"word":"the","start":547.42,"end":547.58,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10284095257520676},{"word":"switch","start":547.58,"end":547.98,"confidence":0.99902344,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.1338983029127121},{"word":"of","start":547.98,"end":548.06,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.106557659804821},{"word":"the","start":548.06,"end":548.38,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12298443913459778},{"word":"investment","start":548.38,"end":548.88,"confidence":0.90063477,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.06421086937189102},{"word":"yeah","start":555.98,"end":556.3,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08901844918727875},{"word":"you're","start":556.3,"end":556.54,"confidence":0.99902344,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.27311649918556213},{"word":"right","start":556.54,"end":556.755,"confidence":0.99365234,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.32404226064682007},{"word":"beautiful","start":557.235,"end":557.735,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5627766847610474},{"word":"so","start":558.03503,"end":558.53503,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18265540897846225},{"word":"on","start":558.59503,"end":558.755,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2163683921098709},{"word":"here","start":558.755,"end":558.915,"confidence":0.96972656,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.1536332666873932},{"word":"we've","start":558.915,"end":559.155,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.1832474172115326},{"word":"got","start":559.155,"end":559.315,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.21077394485473633},{"word":"the","start":559.315,"end":559.475,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19202308356761932},{"word":"table","start":559.475,"end":559.795,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.2252970188856125},{"word":"noting","start":559.795,"end":560.03503,"confidence":0.9819336,"punctuated_word":"noting","sentiment":"neutral","sentiment_score":0.2079941034317017},{"word":"all","start":560.03503,"end":560.195,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.19749002158641815},{"word":"the","start":560.195,"end":560.275,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16063110530376434},{"word":"different","start":560.275,"end":560.675,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.17057308554649353},{"word":"investments","start":560.675,"end":561.075,"confidence":1.0,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.08843158185482025},{"word":"and","start":561.075,"end":561.235,"confidence":0.8833008,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15642838180065155},{"word":"how","start":561.235,"end":561.475,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1929505467414856},{"word":"you","start":561.475,"end":561.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2113221287727356},{"word":"are","start":561.555,"end":561.795,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16901616752147677},{"word":"invested","start":561.795,"end":562.275,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.18464162945747375},{"word":"within","start":562.275,"end":562.515,"confidence":0.99902344,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.1954759657382965},{"word":"your","start":562.515,"end":562.755,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24834194779396057},{"word":"super","start":562.755,"end":563.075,"confidence":0.7836914,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.3173190951347351},{"word":"fund","start":563.075,"end":563.395,"confidence":0.9790039,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.2368185669183731},{"word":"currently","start":563.395,"end":563.875,"confidence":0.9975586,"punctuated_word":"currently.","sentiment":"neutral","sentiment_score":0.1896071583032608},{"word":"so","start":563.875,"end":564.115,"confidence":0.90405273,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.18607518076896667},{"word":"essentially","start":564.115,"end":564.515,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.14232121407985687},{"word":"in","start":564.515,"end":564.755,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16227765381336212},{"word":"order","start":564.755,"end":564.915,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.08622878044843674},{"word":"to","start":564.915,"end":565.075,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1684505045413971},{"word":"make","start":565.075,"end":565.235,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1877782642841339},{"word":"the","start":565.235,"end":565.395,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16544464230537417},{"word":"changes","start":565.395,"end":565.895,"confidence":0.9995117,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.16653116047382355},{"word":"we","start":566.115,"end":566.275,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1854575872421265},{"word":"have","start":566.275,"end":566.515,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19670169055461884},{"word":"all","start":566.515,"end":566.675,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1835063248872757},{"word":"the","start":566.675,"end":566.835,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16702212393283844},{"word":"investments","start":566.835,"end":567.335,"confidence":0.99902344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.08641936630010605},{"word":"noted","start":567.395,"end":567.795,"confidence":1.0,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.2111487239599228},{"word":"here","start":567.795,"end":568.115,"confidence":0.95825195,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.15027254819869995},{"word":"the","start":568.115,"end":568.275,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1885848045349121},{"word":"red","start":568.275,"end":568.515,"confidence":0.99902344,"punctuated_word":"red","sentiment":"neutral","sentiment_score":0.20064881443977356},{"word":"and","start":568.515,"end":568.59503,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1357390284538269},{"word":"the","start":568.59503,"end":568.755,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1746918559074402},{"word":"green","start":568.755,"end":568.915,"confidence":0.9921875,"punctuated_word":"green","sentiment":"neutral","sentiment_score":0.18377891182899475},{"word":"is","start":568.915,"end":569.075,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1305910348892212},{"word":"what","start":569.075,"end":569.315,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15506279468536377},{"word":"we're","start":569.315,"end":569.475,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1693444550037384},{"word":"gonna","start":569.475,"end":569.715,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2093051075935364},{"word":"be","start":569.715,"end":569.875,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2120475471019745},{"word":"selling","start":569.875,"end":570.195,"confidence":0.99316406,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.23031345009803772},{"word":"down","start":570.195,"end":570.435,"confidence":0.9951172,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.30765292048454285},{"word":"and","start":570.435,"end":570.675,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2455853819847107},{"word":"buying","start":570.675,"end":571.175,"confidence":0.701416,"punctuated_word":"buying.","sentiment":"neutral","sentiment_score":0.1886752247810364},{"word":"and","start":571.29,"end":571.44995,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1525995433330536},{"word":"then","start":571.44995,"end":571.61,"confidence":0.9633789,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1481119841337204},{"word":"the","start":571.61,"end":571.76996,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17368507385253906},{"word":"last","start":571.76996,"end":572.00995,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.12492182105779648},{"word":"two","start":572.00995,"end":572.32996,"confidence":0.9770508,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.10843995958566666},{"word":"columns","start":572.32996,"end":572.64996,"confidence":0.9921875,"punctuated_word":"columns,","sentiment":"neutral","sentiment_score":0.1247221976518631},{"word":"your","start":572.64996,"end":572.88995,"confidence":0.97265625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1815872937440872},{"word":"target","start":572.88995,"end":573.20996,"confidence":0.9970703,"punctuated_word":"target","sentiment":"neutral","sentiment_score":0.14704686403274536},{"word":"waiting","start":573.20996,"end":573.52997,"confidence":0.6088867,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.21766027808189392},{"word":"and","start":573.52997,"end":573.69,"confidence":0.95947266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06364718824625015},{"word":"target","start":573.69,"end":574.00995,"confidence":1.0,"punctuated_word":"target","sentiment":"neutral","sentiment_score":0.0975293666124344},{"word":"balance","start":574.00995,"end":574.41,"confidence":0.69189453,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.15515366196632385},{"word":"is","start":574.41,"end":574.57,"confidence":0.86328125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1355057656764984},{"word":"where","start":574.57,"end":574.88995,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.14211377501487732},{"word":"we","start":574.88995,"end":574.97,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1961141675710678},{"word":"see","start":574.97,"end":575.13,"confidence":0.97802734,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.17960423231124878},{"word":"your","start":575.13,"end":575.37,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18901970982551575},{"word":"balance","start":575.37,"end":575.69,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.17352686822414398},{"word":"once","start":575.69,"end":576.00995,"confidence":0.81396484,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.12674954533576965},{"word":"once","start":576.00995,"end":576.25,"confidence":0.43310547,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.10634639859199524},{"word":"the","start":576.25,"end":576.41,"confidence":0.81396484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.131125807762146},{"word":"switch","start":576.41,"end":576.73,"confidence":0.9970703,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.20670178532600403},{"word":"has","start":576.73,"end":576.97,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.11258389055728912},{"word":"been","start":576.97,"end":577.20996,"confidence":0.9941406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.1824256181716919},{"word":"completed","start":577.20996,"end":577.70996,"confidence":1.0,"punctuated_word":"completed.","sentiment":"neutral","sentiment_score":-0.06115974113345146},{"word":"so","start":578.08997,"end":578.32996,"confidence":0.9211426,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.019951213151216507},{"word":"essentially","start":578.32996,"end":578.73,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.016213133931159973},{"word":"we","start":578.73,"end":578.88995,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.017996475100517273},{"word":"are","start":578.88995,"end":579.05,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.005474597215652466},{"word":"gonna","start":579.05,"end":579.29,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.026872113347053528},{"word":"sell","start":579.29,"end":579.52997,"confidence":0.9941406,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.08719684183597565},{"word":"off","start":579.52997,"end":579.69,"confidence":0.99316406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.109439916908741},{"word":"all","start":579.69,"end":579.85,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.07559070736169815},{"word":"the","start":579.85,"end":580.00995,"confidence":0.7109375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08443222939968109},{"word":"battery","start":580.00995,"end":580.32996,"confidence":0.99316406,"punctuated_word":"battery","sentiment":"neutral","sentiment_score":-0.05052657425403595},{"word":"and","start":580.32996,"end":580.49,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12974724173545835},{"word":"lithium","start":580.49,"end":580.97,"confidence":0.9980469,"punctuated_word":"lithium","sentiment":"neutral","sentiment_score":-0.009710967540740969},{"word":"tax","start":580.97,"end":581.37,"confidence":0.95581055,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":-0.06783213466405869},{"word":"remove","start":581.37,"end":581.69,"confidence":0.97998047,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.11590267717838287},{"word":"the","start":581.69,"end":581.85,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1798764020204544},{"word":"ban","start":581.85,"end":582.00995,"confidence":0.40576172,"punctuated_word":"ban","sentiment":"neutral","sentiment_score":-0.241137757897377},{"word":"along","start":582.00995,"end":582.32996,"confidence":0.98535156,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.21292823553085327},{"word":"australian","start":582.32996,"end":582.73,"confidence":0.98535156,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.17508244514465332},{"word":"equities","start":582.73,"end":583.20996,"confidence":0.88134766,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":-0.1618233323097229},{"word":"as","start":583.20996,"end":583.29,"confidence":0.98828125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.08031178265810013},{"word":"it's","start":583.29,"end":583.52997,"confidence":0.99365234,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2386195957660675},{"word":"been","start":583.52997,"end":583.69,"confidence":0.9838867,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.35244467854499817},{"word":"underperforming","start":583.69,"end":584.19,"confidence":0.98291016,"punctuated_word":"underperforming,","sentiment":"neutral","sentiment_score":-0.30968552827835083},{"word":"remove","start":584.90497,"end":585.225,"confidence":0.9941406,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.29835039377212524},{"word":"the","start":585.225,"end":585.385,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3995482325553894},{"word":"bank","start":585.385,"end":585.705,"confidence":0.82958984,"punctuated_word":"bank","sentiment":"negative","sentiment_score":-0.3866579234600067},{"word":"hybrids","start":585.705,"end":586.025,"confidence":0.94970703,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":-0.32793140411376953},{"word":"as","start":586.025,"end":586.265,"confidence":0.9199219,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.20633146166801453},{"word":"they","start":586.265,"end":586.425,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.33204594254493713},{"word":"are","start":586.425,"end":586.585,"confidence":0.9902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.3078081011772156},{"word":"being","start":586.585,"end":586.825,"confidence":0.9970703,"punctuated_word":"being","sentiment":"negative","sentiment_score":-0.3347528576850891},{"word":"phased","start":586.825,"end":587.145,"confidence":0.99609375,"punctuated_word":"phased","sentiment":"neutral","sentiment_score":-0.2607267200946808},{"word":"out","start":587.145,"end":587.385,"confidence":0.9536133,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.33177900314331055},{"word":"down","start":587.385,"end":587.545,"confidence":0.984375,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.30248770117759705},{"word":"the","start":587.545,"end":587.705,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2655068635940552},{"word":"track","start":587.705,"end":587.945,"confidence":0.9819336,"punctuated_word":"track","sentiment":"neutral","sentiment_score":-0.20454220473766327},{"word":"there","start":587.945,"end":588.185,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.20928214490413663},{"word":"as","start":588.185,"end":588.345,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.16005396842956543},{"word":"well","start":588.345,"end":588.825,"confidence":0.9680176,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.18859294056892395},{"word":"and","start":588.825,"end":588.985,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3104279339313507},{"word":"the","start":588.985,"end":589.225,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5591826438903809},{"word":"china","start":589.225,"end":589.545,"confidence":0.9902344,"punctuated_word":"China","sentiment":"negative","sentiment_score":-0.6163954138755798},{"word":"new","start":589.545,"end":589.705,"confidence":0.82470703,"punctuated_word":"new","sentiment":"negative","sentiment_score":-0.5937893390655518},{"word":"economy","start":589.705,"end":590.185,"confidence":1.0,"punctuated_word":"economy","sentiment":"negative","sentiment_score":-0.49487560987472534},{"word":"will","start":590.185,"end":590.425,"confidence":1.0,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.5019985437393188},{"word":"be","start":590.425,"end":590.585,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.5612473487854004},{"word":"completely","start":590.585,"end":591.065,"confidence":1.0,"punctuated_word":"completely","sentiment":"negative","sentiment_score":-0.5741995573043823},{"word":"gone","start":591.065,"end":591.305,"confidence":1.0,"punctuated_word":"gone","sentiment":"negative","sentiment_score":-0.4994443356990814},{"word":"there","start":591.305,"end":591.625,"confidence":0.99902344,"punctuated_word":"there","sentiment":"negative","sentiment_score":-0.380633682012558},{"word":"as","start":591.625,"end":591.705,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.25549453496932983},{"word":"well","start":591.705,"end":592.205,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.18957385420799255},{"word":"we","start":592.585,"end":592.745,"confidence":0.640625,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.038447946310043335},{"word":"are","start":592.745,"end":592.90497,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04156525433063507},{"word":"gonna","start":592.90497,"end":593.145,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08117781579494476},{"word":"keep","start":593.145,"end":593.385,"confidence":0.99609375,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.09449615329504012},{"word":"the","start":593.385,"end":593.625,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11048196256160736},{"word":"physical","start":593.625,"end":594.025,"confidence":0.9980469,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.03405404090881348},{"word":"gold","start":594.025,"end":594.345,"confidence":0.8828125,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.24978238344192505},{"word":"that","start":594.345,"end":594.425,"confidence":0.4790039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2006818056106567},{"word":"has","start":594.425,"end":594.665,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.23188316822052},{"word":"been","start":594.665,"end":594.90497,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.2917313277721405},{"word":"performing","start":594.90497,"end":595.305,"confidence":1.0,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":0.29254141449928284},{"word":"well","start":595.305,"end":595.46497,"confidence":0.9645996,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.2821398377418518},{"word":"but","start":595.46497,"end":595.625,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04132580757141113},{"word":"you're","start":595.625,"end":595.865,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.23035620152950287},{"word":"a","start":595.865,"end":595.945,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.32204604148864746},{"word":"bit","start":595.945,"end":596.185,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.318281888961792},{"word":"overweighted","start":596.185,"end":596.685,"confidence":0.88500977,"punctuated_word":"overweighted","sentiment":"negative","sentiment_score":-0.3868032395839691},{"word":"there","start":596.745,"end":596.985,"confidence":0.99609375,"punctuated_word":"there","sentiment":"negative","sentiment_score":-0.43846574425697327},{"word":"at","start":596.985,"end":597.145,"confidence":1.0,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.3483997583389282},{"word":"the","start":597.145,"end":597.305,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.26420509815216064},{"word":"moment","start":597.305,"end":597.705,"confidence":0.93603516,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.2011637985706329},{"word":"so","start":597.705,"end":597.865,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03691381216049194},{"word":"we","start":597.865,"end":598.025,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04122661054134369},{"word":"just","start":598.025,"end":598.265,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08563050627708435},{"word":"wanna","start":598.265,"end":598.585,"confidence":0.9892578,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.17888212203979492},{"word":"sell","start":598.585,"end":598.90497,"confidence":0.96435547,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.07202589511871338},{"word":"some","start":598.90497,"end":599.145,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.18868854641914368},{"word":"of","start":599.145,"end":599.305,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18837638199329376},{"word":"the","start":599.305,"end":599.46497,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1948956847190857},{"word":"gains","start":599.46497,"end":599.96497,"confidence":0.9482422,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.21980874240398407},{"word":"and","start":600.27997,"end":600.52,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21442899107933044},{"word":"submit","start":600.52,"end":600.83997,"confidence":0.8408203,"punctuated_word":"submit","sentiment":"neutral","sentiment_score":0.24521270394325256},{"word":"those","start":600.83997,"end":601.16,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2803148925304413},{"word":"and","start":601.16,"end":601.4,"confidence":0.7998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20766538381576535},{"word":"then","start":601.4,"end":601.56,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.18586383759975433},{"word":"have","start":601.56,"end":601.8,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21564847230911255},{"word":"that","start":601.8,"end":601.96,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22546109557151792},{"word":"redistributed","start":601.96,"end":602.46,"confidence":0.8178711,"punctuated_word":"redistributed","sentiment":"neutral","sentiment_score":0.16939644515514374},{"word":"the","start":602.83997,"end":603.0,"confidence":0.8251953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19889922440052032},{"word":"compounding","start":603.0,"end":603.5,"confidence":0.9951172,"punctuated_word":"compounding","sentiment":"neutral","sentiment_score":0.26889362931251526},{"word":"into","start":603.64,"end":603.88,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.24752265214920044},{"word":"your","start":603.88,"end":604.2,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12979015707969666},{"word":"portfolio","start":604.2,"end":604.7,"confidence":0.98950195,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.06182507425546646},{"word":"we've","start":605.16,"end":605.48,"confidence":1.0,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.015573007985949516},{"word":"also","start":605.48,"end":605.8,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.00677095353603363},{"word":"got","start":605.8,"end":606.04,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.00021633505821228027},{"word":"the","start":606.04,"end":606.27997,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.034512974321842194},{"word":"cybersecurity","start":606.27997,"end":606.77997,"confidence":0.8886719,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":-0.004441656172275543},{"word":"there","start":607.16,"end":607.48,"confidence":0.7963867,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.019689125940203667},{"word":"so","start":607.48,"end":607.64,"confidence":0.9838867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.029736630618572235},{"word":"you're","start":607.64,"end":607.8,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.12439843267202376},{"word":"a","start":607.8,"end":607.88,"confidence":0.9453125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13960719108581543},{"word":"bit","start":607.88,"end":608.12,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.16222864389419556},{"word":"overweighted","start":608.12,"end":608.62,"confidence":0.9748535,"punctuated_word":"overweighted","sentiment":"neutral","sentiment_score":-0.2412683218717575},{"word":"at","start":608.68,"end":608.83997,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.28455933928489685},{"word":"the","start":608.83997,"end":608.92,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24576643109321591},{"word":"moment","start":608.92,"end":609.24,"confidence":0.99658203,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.16108323633670807},{"word":"we're","start":609.24,"end":609.4,"confidence":1.0,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.10948999971151352},{"word":"gonna","start":609.4,"end":609.64,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.02984356135129929},{"word":"sell","start":609.64,"end":609.88,"confidence":0.9970703,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.09179729223251344},{"word":"a","start":609.88,"end":610.04,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05316133052110672},{"word":"little","start":610.04,"end":610.27997,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.046696558594703674},{"word":"bit","start":610.27997,"end":610.44,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.048898279666900635},{"word":"of","start":610.44,"end":610.52,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005268096923828125},{"word":"that","start":610.52,"end":610.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.008640825748443604},{"word":"off","start":610.76,"end":610.92,"confidence":0.9970703,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.011173322796821594},{"word":"to","start":610.92,"end":611.08,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.003342673182487488},{"word":"bring","start":611.08,"end":611.32,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.02473890781402588},{"word":"you","start":611.32,"end":611.48,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.042369961738586426},{"word":"back","start":611.48,"end":611.64,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06546402722597122},{"word":"to","start":611.64,"end":611.8,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04479388892650604},{"word":"7%","start":611.8,"end":612.52,"confidence":0.97924805,"punctuated_word":"7%.","sentiment":"neutral","sentiment_score":0.06499307602643967},{"word":"it's","start":612.52,"end":612.68,"confidence":0.9379883,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.10506894439458848},{"word":"a","start":612.68,"end":612.76,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07193303108215332},{"word":"bit","start":612.76,"end":612.92,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.12701955437660217},{"word":"of","start":612.92,"end":613.08,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14196422696113586},{"word":"a","start":613.08,"end":613.24,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1464655101299286},{"word":"rebalance","start":613.24,"end":613.74,"confidence":0.99316406,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":-0.14797718822956085},{"word":"there","start":613.8,"end":614.04,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1361580342054367},{"word":"as","start":614.04,"end":614.12,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05950149893760681},{"word":"well","start":614.12,"end":614.62,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.05284357070922851},{"word":"the","start":615.285,"end":615.445,"confidence":0.9658203,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.003615349531173706},{"word":"s","start":615.445,"end":615.605,"confidence":0.78808594,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.04579661041498184},{"word":"and","start":615.605,"end":615.765,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.025099433958530423},{"word":"p","start":615.765,"end":616.085,"confidence":1.0,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.06728632003068924},{"word":"500","start":616.085,"end":616.805,"confidence":0.998291,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":0.04025638476014137},{"word":"you've","start":616.805,"end":617.125,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.06277166306972504},{"word":"got","start":617.125,"end":617.365,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07095606625080109},{"word":"about","start":617.365,"end":617.52496,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.06101446598768234},{"word":"34.10%","start":617.52496,"end":619.605,"confidence":0.9614258,"punctuated_word":"34.10%,","sentiment":"neutral","sentiment_score":0.05616636946797371},{"word":"so","start":619.605,"end":619.765,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.013807110488414764},{"word":"we","start":619.765,"end":620.005,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.016345709562301636},{"word":"only","start":620.005,"end":620.325,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.010834619402885435},{"word":"really","start":620.325,"end":620.565,"confidence":0.9980469,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.024957522749900814},{"word":"wanna","start":620.565,"end":620.805,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.12402325868606567},{"word":"hold","start":620.805,"end":621.125,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.04258231818675995},{"word":"about","start":621.125,"end":621.365,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.037010252475738525},{"word":"25%","start":621.365,"end":622.325,"confidence":1.0,"punctuated_word":"25%","sentiment":"neutral","sentiment_score":0.09240325540304184},{"word":"in","start":622.325,"end":622.40497,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04980581998825073},{"word":"the","start":622.40497,"end":622.645,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0529571995139122},{"word":"portfolio","start":622.645,"end":623.145,"confidence":0.9494629,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.028672505170106888},{"word":"so","start":623.52496,"end":623.685,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07053244858980179},{"word":"we're","start":623.685,"end":623.925,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.135050967335701},{"word":"gonna","start":623.925,"end":624.245,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.20469650626182556},{"word":"sell","start":624.245,"end":624.485,"confidence":0.99121094,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.05776387453079224},{"word":"some","start":624.485,"end":624.725,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1353800892829895},{"word":"of","start":624.725,"end":624.885,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11803539097309113},{"word":"that","start":624.885,"end":625.125,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02488549053668976},{"word":"off","start":625.125,"end":625.365,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.029019594192504883},{"word":"and","start":625.365,"end":625.52496,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.049958810210227966},{"word":"just","start":625.52496,"end":625.765,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11164437979459764},{"word":"rebalance","start":625.765,"end":626.265,"confidence":0.9983724,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.09011977165937424},{"word":"you","start":626.325,"end":626.485,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10453516244888306},{"word":"back","start":626.485,"end":626.725,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.12705913186073303},{"word":"to","start":626.725,"end":626.885,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07074563205242157},{"word":"25%","start":626.885,"end":627.865,"confidence":0.9998372,"punctuated_word":"25%.","sentiment":"neutral","sentiment_score":0.0708824172616005},{"word":"the","start":628.64,"end":628.88,"confidence":0.97802734,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.29269835352897644},{"word":"van","start":628.88,"end":629.2,"confidence":0.9370117,"punctuated_word":"Van","sentiment":"negative","sentiment_score":-0.33389121294021606},{"word":"ness","start":629.2,"end":629.44,"confidence":0.9448242,"punctuated_word":"Ness","sentiment":"neutral","sentiment_score":-0.272441029548645},{"word":"property","start":629.44,"end":629.84,"confidence":0.7402344,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.3163101077079773},{"word":"property","start":629.84,"end":630.24,"confidence":0.9482422,"punctuated_word":"property","sentiment":"negative","sentiment_score":-0.3748429715633392},{"word":"has","start":630.24,"end":630.48,"confidence":1.0,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.41591891646385193},{"word":"been","start":630.48,"end":630.64,"confidence":0.93115234,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.34726423025131226},{"word":"a","start":630.64,"end":630.72003,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.31212377548217773},{"word":"little","start":630.72003,"end":630.96,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2717064917087555},{"word":"bit","start":630.96,"end":631.12,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.31856027245521545},{"word":"of","start":631.12,"end":631.28,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.37778645753860474},{"word":"a","start":631.28,"end":631.44,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4824576377868652},{"word":"dip","start":631.44,"end":631.92,"confidence":0.8911133,"punctuated_word":"dip,","sentiment":"negative","sentiment_score":-0.40024861693382263},{"word":"especially","start":631.92,"end":632.4,"confidence":0.99902344,"punctuated_word":"especially","sentiment":"negative","sentiment_score":-0.40193450450897217},{"word":"since","start":632.4,"end":632.64,"confidence":0.9614258,"punctuated_word":"since","sentiment":"negative","sentiment_score":-0.3627644181251526},{"word":"the","start":632.64,"end":632.8,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4166392385959625},{"word":"changes","start":632.8,"end":633.2,"confidence":0.9980469,"punctuated_word":"changes","sentiment":"negative","sentiment_score":-0.3759309351444245},{"word":"have","start":633.2,"end":633.36,"confidence":0.984375,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.38394278287887573},{"word":"come","start":633.36,"end":633.52,"confidence":0.99902344,"punctuated_word":"come","sentiment":"negative","sentiment_score":-0.348204106092453},{"word":"into","start":633.52,"end":633.84,"confidence":0.9921875,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.3150750994682312},{"word":"play","start":633.84,"end":634.16003,"confidence":0.99609375,"punctuated_word":"play","sentiment":"neutral","sentiment_score":-0.3144817054271698},{"word":"where","start":634.16003,"end":634.4,"confidence":0.74560547,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.2933157682418823},{"word":"it's","start":634.4,"end":634.72003,"confidence":0.99072266,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.4003128409385681},{"word":"been","start":634.72003,"end":634.96,"confidence":0.78808594,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.4517249464988709},{"word":"underperforming","start":634.96,"end":635.46,"confidence":0.9880371,"punctuated_word":"underperforming","sentiment":"negative","sentiment_score":-0.43087470531463623},{"word":"in","start":635.60004,"end":635.68,"confidence":0.64501953,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.5709334015846252},{"word":"your","start":635.68,"end":635.84,"confidence":0.9980469,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.5116066932678223},{"word":"portfolio","start":635.84,"end":636.34,"confidence":0.99121094,"punctuated_word":"portfolio","sentiment":"negative","sentiment_score":-0.4646676182746887},{"word":"as","start":636.4,"end":636.48,"confidence":0.9970703,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.4241657257080078},{"word":"well","start":636.48,"end":636.72003,"confidence":0.8635254,"punctuated_word":"well.","sentiment":"negative","sentiment_score":-0.3737834095954895},{"word":"so","start":636.72003,"end":636.88,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2200140804052353},{"word":"we're","start":636.88,"end":637.04,"confidence":0.99072266,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.29979145526885986},{"word":"removing","start":637.04,"end":637.54,"confidence":0.68652344,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.30307722091674805},{"word":"that","start":637.76,"end":638.16003,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4755365550518036},{"word":"completely","start":638.16003,"end":638.66003,"confidence":1.0,"punctuated_word":"completely.","sentiment":"negative","sentiment_score":-0.34450358152389526},{"word":"we've","start":639.84,"end":640.24,"confidence":1.0,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.10859780013561247},{"word":"also","start":640.24,"end":640.56,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.06075822561979294},{"word":"got","start":640.56,"end":640.8,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.04908730834722519},{"word":"the","start":640.8,"end":641.04,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.056397780776023865},{"word":"a","start":641.12,"end":641.28,"confidence":0.7026367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00007798150181770325},{"word":"beta","start":641.28,"end":641.60004,"confidence":0.86035156,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.06251499801874161},{"word":"shares","start":641.60004,"end":641.92,"confidence":0.94628906,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.00571393221616745},{"word":"raffy","start":641.92,"end":642.32,"confidence":0.69091797,"punctuated_word":"Raffy","sentiment":"neutral","sentiment_score":0.017066147178411484},{"word":"two","start":642.32,"end":642.56,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.05168131738901138},{"word":"hundred","start":642.56,"end":642.96,"confidence":0.98583984,"punctuated_word":"hundred.","sentiment":"neutral","sentiment_score":0.042372267693281174},{"word":"we","start":642.96,"end":643.2,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.02831222116947174},{"word":"found","start":643.2,"end":643.44,"confidence":0.81152344,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.07432973384857178},{"word":"a","start":643.44,"end":643.52,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08595702052116394},{"word":"much","start":643.52,"end":643.815,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.16743312776088717},{"word":"cheaper","start":643.815,"end":644.215,"confidence":1.0,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.08853310346603394},{"word":"way","start":644.215,"end":644.375,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.04887884855270386},{"word":"to","start":644.375,"end":644.615,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06275922060012817},{"word":"hold","start":644.615,"end":645.015,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.028300032019615173},{"word":"australian","start":645.015,"end":645.495,"confidence":0.9941406,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.02325594425201416},{"word":"equities","start":645.495,"end":645.895,"confidence":0.7835286,"punctuated_word":"equities,","sentiment":"neutral","sentiment_score":0.03757832199335098},{"word":"so","start":645.895,"end":646.135,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.018041402101516724},{"word":"we","start":646.135,"end":646.295,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.053132012486457825},{"word":"are","start":646.295,"end":646.455,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0317789763212204},{"word":"removing","start":646.455,"end":646.855,"confidence":0.9980469,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.03159850835800171},{"word":"this","start":646.855,"end":647.015,"confidence":0.98291016,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2527107298374176},{"word":"from","start":647.015,"end":647.255,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.1996513307094574},{"word":"the","start":647.255,"end":647.415,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19026979804039},{"word":"portfolio","start":647.415,"end":647.915,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.2805624306201935},{"word":"completely","start":648.135,"end":648.615,"confidence":1.0,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.07608959078788757},{"word":"as","start":648.615,"end":648.855,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.08014485239982605},{"word":"well","start":648.855,"end":649.355,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.06399209052324295},{"word":"what","start":649.815,"end":650.055,"confidence":0.69628906,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.10682786256074904},{"word":"we're","start":650.055,"end":650.215,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.14944440126419067},{"word":"gonna","start":650.215,"end":650.455,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.16943754255771637},{"word":"be","start":650.455,"end":650.695,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16515497863292694},{"word":"adding","start":650.695,"end":651.015,"confidence":1.0,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":-0.14876043796539307},{"word":"into","start":651.015,"end":651.515,"confidence":0.93847656,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.07525285333395004},{"word":"sorry","start":651.975,"end":652.375,"confidence":0.90185547,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.14871416985988617},{"word":"the","start":652.375,"end":652.775,"confidence":0.9633789,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.11631696671247482},{"word":"raffy","start":652.855,"end":653.355,"confidence":0.7289429,"punctuated_word":"Raffy.","sentiment":"neutral","sentiment_score":-0.13626989722251892},{"word":"my","start":653.415,"end":653.575,"confidence":0.99609375,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.17457574605941772},{"word":"apologies","start":653.575,"end":653.895,"confidence":0.99853516,"punctuated_word":"apologies.","sentiment":"neutral","sentiment_score":-0.2139091193675995},{"word":"i'm","start":653.895,"end":653.975,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.18383213877677915},{"word":"looking","start":653.975,"end":654.215,"confidence":0.99609375,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.18759949505329132},{"word":"at","start":654.215,"end":654.295,"confidence":0.75,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.23833347856998444},{"word":"the","start":654.295,"end":654.375,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17645306885242462},{"word":"wrong","start":654.375,"end":654.535,"confidence":1.0,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.18098343908786776},{"word":"line","start":654.535,"end":654.775,"confidence":0.9980469,"punctuated_word":"line.","sentiment":"neutral","sentiment_score":-0.19822219014167783},{"word":"we're","start":654.775,"end":655.015,"confidence":0.9423828,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.17239122092723846},{"word":"gonna","start":655.015,"end":655.335,"confidence":0.6381836,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.15392550826072693},{"word":"get","start":655.335,"end":655.575,"confidence":0.8701172,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.09132541716098784},{"word":"a","start":655.575,"end":655.655,"confidence":0.77685547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07837464660406113},{"word":"whole","start":655.655,"end":655.815,"confidence":0.85498047,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.11382582038640976},{"word":"50%","start":655.815,"end":656.455,"confidence":0.8919678,"punctuated_word":"50%.","sentiment":"neutral","sentiment_score":-0.08441189676523209},{"word":"we're","start":656.455,"end":656.695,"confidence":1.0,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.061706867069005966},{"word":"keeping","start":656.695,"end":657.09503,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":-0.02062574028968811},{"word":"some","start":657.09503,"end":657.255,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.0404912531375885},{"word":"of","start":657.255,"end":657.415,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07260953634977341},{"word":"that","start":657.415,"end":657.575,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08838344365358353},{"word":"in","start":657.575,"end":657.735,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09734293073415756},{"word":"there","start":657.735,"end":658.055,"confidence":0.9707031,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.08150637149810791},{"word":"sorry","start":658.055,"end":658.455,"confidence":0.99560547,"punctuated_word":"Sorry,","sentiment":"neutral","sentiment_score":-0.04921446740627289},{"word":"bianca","start":658.455,"end":658.955,"confidence":0.99869794,"punctuated_word":"Bianca.","sentiment":"neutral","sentiment_score":-0.03793743997812271},{"word":"i'm","start":659.15,"end":659.31,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05996045470237732},{"word":"looking","start":659.31,"end":659.47003,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.06044057011604309},{"word":"at","start":659.47003,"end":659.55,"confidence":0.9838867,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08193428814411163},{"word":"the","start":659.55,"end":659.71,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05964124947786331},{"word":"wrong","start":659.71,"end":660.03,"confidence":1.0,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.05661671608686447},{"word":"line","start":660.03,"end":660.51,"confidence":0.98999023,"punctuated_word":"line.","sentiment":"neutral","sentiment_score":-0.010287268087267876},{"word":"we're","start":660.51,"end":660.75,"confidence":1.0,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.03882283344864845},{"word":"gonna","start":660.75,"end":660.99,"confidence":1.0,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09016874432563782},{"word":"keep","start":660.99,"end":661.49,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.1309526264667511},{"word":"some","start":661.55,"end":661.79,"confidence":0.7626953,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1219901368021965},{"word":"of","start":661.79,"end":661.87,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07160382717847824},{"word":"the","start":661.87,"end":662.03,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03897710144519806},{"word":"raffy","start":662.03,"end":662.35004,"confidence":0.7036133,"punctuated_word":"raffy","sentiment":"neutral","sentiment_score":0.011986451223492622},{"word":"in","start":662.35004,"end":662.51,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.038900382816791534},{"word":"there","start":662.51,"end":662.75,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.07303609699010849},{"word":"for","start":662.75,"end":662.99,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06612226366996765},{"word":"you","start":662.99,"end":663.49,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.017807483673095703},{"word":"we","start":663.79,"end":664.03,"confidence":0.9770508,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.03607955574989319},{"word":"are","start":664.03,"end":664.19,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07498838007450104},{"word":"kinda","start":664.19,"end":664.51,"confidence":0.9892578,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.08192438632249832},{"word":"gonna","start":664.51,"end":665.01,"confidence":1.0,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.09757299721240996},{"word":"get","start":665.39,"end":665.55,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.048872336745262146},{"word":"rid","start":665.55,"end":665.71,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.04003383219242096},{"word":"of","start":665.71,"end":666.03,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02902860939502716},{"word":"just","start":666.11,"end":666.61,"confidence":0.97509766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.055418357253074646},{"word":"sell","start":666.67,"end":666.91003,"confidence":0.9291992,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.13401800394058228},{"word":"it","start":666.91003,"end":666.99,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.049831122159957886},{"word":"off","start":666.99,"end":667.15,"confidence":0.9970703,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.00026229023933410645},{"word":"to","start":667.15,"end":667.31,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01601158082485199},{"word":"rebalance","start":667.31,"end":667.79,"confidence":0.9851888,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.0033433660864830017},{"word":"a","start":667.79,"end":667.95,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12185802310705184},{"word":"little","start":667.95,"end":668.11,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.11959557235240936},{"word":"bit","start":668.11,"end":668.35004,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11255112290382384},{"word":"back","start":668.35004,"end":668.51,"confidence":0.99316406,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.07617613673210144},{"word":"there","start":668.51,"end":668.75,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.02804066240787506},{"word":"for","start":668.75,"end":668.91003,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1116100177168846},{"word":"you","start":668.91003,"end":668.99,"confidence":0.7836914,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.0761965662240982},{"word":"but","start":668.99,"end":669.15,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12175161391496658},{"word":"we","start":669.15,"end":669.31,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12241730839014052},{"word":"do","start":669.31,"end":669.47003,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18387052416801453},{"word":"wanna","start":669.47003,"end":669.71,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1903398185968399},{"word":"hold","start":669.71,"end":669.95,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.17252930998802185},{"word":"australian","start":669.95,"end":670.43,"confidence":0.99316406,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.21346977353096008},{"word":"equities","start":670.43,"end":670.75,"confidence":0.8453776,"punctuated_word":"equities,","sentiment":"neutral","sentiment_score":0.21327467262744904},{"word":"and","start":670.75,"end":670.91003,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2140589952468872},{"word":"we","start":670.91003,"end":671.07,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.248355895280838},{"word":"found","start":671.07,"end":671.31,"confidence":0.69970703,"punctuated_word":"found","sentiment":"positive","sentiment_score":0.33938077092170715},{"word":"a","start":671.31,"end":671.47003,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2187644839286804},{"word":"much","start":671.47003,"end":671.71,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.30755072832107544},{"word":"cheaper","start":671.71,"end":672.03,"confidence":0.97509766,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.2288247048854828},{"word":"way","start":672.03,"end":672.27,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.197756826877594},{"word":"to","start":672.27,"end":672.51,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17637434601783752},{"word":"hold","start":672.51,"end":673.005,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.09452854841947556},{"word":"more","start":673.325,"end":673.725,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1610642373561859},{"word":"australian","start":673.725,"end":674.205,"confidence":0.9980469,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.0838872492313385},{"word":"equities","start":674.205,"end":674.705,"confidence":0.99902344,"punctuated_word":"equities.","sentiment":"neutral","sentiment_score":0.02009292319417},{"word":"we're","start":675.725,"end":675.965,"confidence":0.9460449,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.1094423457980156},{"word":"going","start":675.965,"end":676.125,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.13916850090026855},{"word":"to","start":676.125,"end":676.28503,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13735072314739227},{"word":"add","start":676.28503,"end":676.525,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.1626235842704773},{"word":"in","start":676.525,"end":676.685,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10878009349107742},{"word":"there","start":676.685,"end":676.84503,"confidence":0.8359375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10382982343435287},{"word":"the","start":676.84503,"end":677.085,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1494137942790985},{"word":"india","start":677.085,"end":677.405,"confidence":0.9892578,"punctuated_word":"India","sentiment":"neutral","sentiment_score":0.09234169125556946},{"word":"quality","start":677.405,"end":677.805,"confidence":0.8642578,"punctuated_word":"Quality","sentiment":"neutral","sentiment_score":0.11198317259550096},{"word":"etf","start":677.805,"end":678.205,"confidence":0.98779297,"punctuated_word":"ETF.","sentiment":"neutral","sentiment_score":0.10373227298259736},{"word":"we","start":678.205,"end":678.365,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.15524837374687195},{"word":"wanna","start":678.365,"end":678.605,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.15798968076705933},{"word":"hold","start":678.605,"end":678.84503,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.1668516993522644},{"word":"about","start":678.84503,"end":679.165,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12837238609790802},{"word":"7%","start":679.165,"end":679.805,"confidence":0.99853516,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.20317062735557556},{"word":"weighting","start":679.805,"end":680.205,"confidence":0.7800293,"punctuated_word":"weighting","sentiment":"neutral","sentiment_score":0.17849528789520264},{"word":"in","start":680.205,"end":680.365,"confidence":0.9394531,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.182530015707016},{"word":"there","start":680.365,"end":680.605,"confidence":0.9785156,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.25745904445648193},{"word":"india","start":680.605,"end":681.005,"confidence":1.0,"punctuated_word":"India","sentiment":"positive","sentiment_score":0.6046144366264343},{"word":"is","start":681.005,"end":681.245,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6976528167724609},{"word":"a","start":681.245,"end":681.325,"confidence":0.9550781,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7475641369819641},{"word":"rally","start":681.325,"end":681.645,"confidence":0.7553711,"punctuated_word":"rally","sentiment":"positive","sentiment_score":0.7252213358879089},{"word":"a","start":681.805,"end":681.885,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7902865409851074},{"word":"really","start":681.885,"end":682.125,"confidence":0.99902344,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.8267111778259277},{"word":"good","start":682.125,"end":682.365,"confidence":0.9980469,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.8029786944389343},{"word":"place","start":682.365,"end":682.605,"confidence":0.99902344,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.8152390122413635},{"word":"to","start":682.605,"end":682.765,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7792995572090149},{"word":"see","start":682.765,"end":683.085,"confidence":0.9951172,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.8296814560890198},{"word":"growth","start":683.085,"end":683.585,"confidence":0.8640137,"punctuated_word":"growth.","sentiment":"positive","sentiment_score":0.6854749917984009},{"word":"and","start":684.125,"end":684.28503,"confidence":0.9819336,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.26958248019218445},{"word":"then","start":684.28503,"end":684.525,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.25094765424728394},{"word":"we've","start":684.525,"end":684.765,"confidence":0.72595215,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.23966634273529053},{"word":"also","start":684.765,"end":685.085,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.15286049246788025},{"word":"seen","start":685.085,"end":685.405,"confidence":0.9980469,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.1720440685749054},{"word":"the","start":685.405,"end":685.485,"confidence":0.43017578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1677422076463699},{"word":"got","start":685.565,"end":685.805,"confidence":0.9194336,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1432846039533615},{"word":"the","start":685.805,"end":685.965,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15424421429634094},{"word":"global","start":685.965,"end":686.445,"confidence":0.90771484,"punctuated_word":"Global","sentiment":"neutral","sentiment_score":0.12211933732032776},{"word":"x","start":686.445,"end":686.67,"confidence":0.37475586,"punctuated_word":"X","sentiment":"neutral","sentiment_score":0.15406328439712524},{"word":"healthcare","start":686.91,"end":687.41,"confidence":0.739624,"punctuated_word":"Healthcare.","sentiment":"neutral","sentiment_score":0.11393620818853378},{"word":"this","start":687.63,"end":687.87,"confidence":0.99902344,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.10177575796842576},{"word":"is","start":687.87,"end":688.02997,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10353800654411316},{"word":"global","start":688.02997,"end":688.43,"confidence":0.81640625,"punctuated_word":"Global","sentiment":"neutral","sentiment_score":0.11096899211406708},{"word":"healthcare","start":688.43,"end":688.82996,"confidence":0.8457031,"punctuated_word":"Healthcare,","sentiment":"neutral","sentiment_score":0.14715290069580078},{"word":"so","start":688.82996,"end":689.07,"confidence":0.9941406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15308402478694916},{"word":"giving","start":689.07,"end":689.31,"confidence":0.9448242,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.14998377859592438},{"word":"you","start":689.31,"end":689.55,"confidence":0.9716797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13247612118721008},{"word":"exposure","start":689.55,"end":689.95,"confidence":0.9970703,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.15203729271888733},{"word":"to","start":689.95,"end":690.11,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18189682066440585},{"word":"health","start":690.11,"end":690.35,"confidence":0.8041992,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.1541997194290161},{"word":"care","start":690.35,"end":690.51,"confidence":0.9980469,"punctuated_word":"care","sentiment":"neutral","sentiment_score":0.2038440704345703},{"word":"across","start":690.51,"end":690.82996,"confidence":0.9658203,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.17638613283634186},{"word":"the","start":690.82996,"end":690.99,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18459689617156985},{"word":"globe","start":690.99,"end":691.38995,"confidence":0.8911133,"punctuated_word":"globe,","sentiment":"neutral","sentiment_score":0.17263606190681458},{"word":"essentially","start":691.38995,"end":691.88995,"confidence":0.99609375,"punctuated_word":"essentially.","sentiment":"neutral","sentiment_score":0.13515648245811462},{"word":"and","start":692.43,"end":692.58997,"confidence":0.9873047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07649996131658554},{"word":"then","start":692.58997,"end":692.82996,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0916515588760376},{"word":"as","start":692.82996,"end":692.99,"confidence":0.80566406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08908510953187943},{"word":"i","start":692.99,"end":693.14996,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11970901489257812},{"word":"mentioned","start":693.14996,"end":693.55,"confidence":0.99121094,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.09151377528905869},{"word":"before","start":693.55,"end":693.87,"confidence":0.99853516,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.08246499300003052},{"word":"we're","start":693.87,"end":693.95,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.08443091809749603},{"word":"getting","start":693.95,"end":694.19,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.07779758423566818},{"word":"rid","start":694.19,"end":694.26996,"confidence":0.99609375,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":0.02570834383368492},{"word":"of","start":694.26996,"end":694.43,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05447870120406151},{"word":"the","start":694.43,"end":694.51,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04075758531689644},{"word":"ban","start":694.51,"end":694.75,"confidence":0.24377441,"punctuated_word":"ban","sentiment":"neutral","sentiment_score":0.017564035952091217},{"word":"along","start":694.75,"end":694.99,"confidence":0.98535156,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.01002313196659088},{"word":"australian","start":694.99,"end":695.38995,"confidence":0.96972656,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.008041232824325562},{"word":"equities","start":695.38995,"end":695.79,"confidence":0.9008789,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.021375522017478943},{"word":"and","start":695.79,"end":695.95,"confidence":0.9404297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06504376232624054},{"word":"rebalancing","start":695.95,"end":696.45,"confidence":0.98258466,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.09082095324993134},{"word":"the","start":696.51,"end":696.67,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0836191326379776},{"word":"raffy","start":696.67,"end":696.99,"confidence":0.68880206,"punctuated_word":"Raffy","sentiment":"neutral","sentiment_score":0.04569116607308388},{"word":"back","start":696.99,"end":697.23,"confidence":0.99316406,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.0627642571926117},{"word":"a","start":697.23,"end":697.31,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05883105844259262},{"word":"little","start":697.31,"end":697.55,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.03569520637392998},{"word":"bit","start":697.55,"end":697.63,"confidence":0.97314453,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.042528845369815826},{"word":"but","start":697.63,"end":697.79,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05834191665053368},{"word":"we're","start":697.79,"end":697.95,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.05637865513563156},{"word":"also","start":697.95,"end":698.26996,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.04276646673679352},{"word":"gonna","start":698.26996,"end":698.51,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0633067786693573},{"word":"hold","start":698.51,"end":698.75,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.03848297894001007},{"word":"the","start":698.75,"end":698.99,"confidence":0.96533203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04228487238287926},{"word":"a","start":698.99,"end":699.23,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04724360257387161},{"word":"200","start":699.23,"end":699.88995,"confidence":0.99560547,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.05489053949713707},{"word":"so","start":699.95,"end":700.335,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08299867808818817},{"word":"between","start":700.495,"end":700.73505,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.09962689876556396},{"word":"the","start":700.73505,"end":700.97504,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09619218111038208},{"word":"australia","start":700.97504,"end":701.455,"confidence":0.9614258,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.08951070159673691},{"word":"200","start":701.455,"end":702.195,"confidence":0.99560547,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.09667431563138962},{"word":"and","start":702.335,"end":702.575,"confidence":0.8598633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06666730344295502},{"word":"the","start":702.575,"end":702.73505,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08590951561927795},{"word":"raffy","start":702.73505,"end":703.135,"confidence":0.9980469,"punctuated_word":"Raffy","sentiment":"neutral","sentiment_score":0.060615938156843185},{"word":"200","start":703.135,"end":703.61505,"confidence":0.99902344,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.09503862261772156},{"word":"we're","start":703.61505,"end":703.775,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1276065856218338},{"word":"giving","start":703.775,"end":704.015,"confidence":0.9980469,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.11848153173923492},{"word":"you","start":704.015,"end":704.255,"confidence":0.98535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11681483685970306},{"word":"exposure","start":704.255,"end":704.655,"confidence":0.9892578,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.09341929852962494},{"word":"to","start":704.655,"end":704.815,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1334119439125061},{"word":"about","start":704.815,"end":705.315,"confidence":0.97265625,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12101179361343384},{"word":"a","start":705.61505,"end":705.695,"confidence":0.7294922,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12807603180408478},{"word":"bit","start":705.695,"end":706.015,"confidence":0.9277344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08008523285388947},{"word":"over","start":706.015,"end":706.335,"confidence":0.94384766,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.14032050967216492},{"word":"25%","start":706.335,"end":707.395,"confidence":0.99641925,"punctuated_word":"25%","sentiment":"neutral","sentiment_score":0.1379285454750061},{"word":"in","start":707.61505,"end":707.775,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14222724735736847},{"word":"australian","start":707.775,"end":708.275,"confidence":0.9970703,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.07797658443450928},{"word":"equities","start":708.335,"end":708.815,"confidence":0.9770508,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.09758859872817992},{"word":"there","start":708.815,"end":709.055,"confidence":0.9680176,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11001475900411606},{"word":"so","start":709.055,"end":709.135,"confidence":0.94628906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1724538654088974},{"word":"you","start":709.135,"end":709.29504,"confidence":0.5366211,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22434307634830475},{"word":"do","start":709.29504,"end":709.53503,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20896394550800323},{"word":"wanna","start":709.53503,"end":709.775,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.28952109813690186},{"word":"hold","start":709.775,"end":710.015,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.2128947377204895},{"word":"as","start":710.015,"end":710.17505,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2461712807416916},{"word":"much","start":710.17505,"end":710.41504,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.21488241851329803},{"word":"as","start":710.41504,"end":710.655,"confidence":0.7998047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19320902228355408},{"word":"we","start":710.655,"end":710.895,"confidence":0.57177734,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2532801032066345},{"word":"can","start":710.895,"end":711.135,"confidence":0.9838867,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.1942484974861145},{"word":"but","start":711.135,"end":711.375,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2305782735347748},{"word":"it's","start":711.375,"end":711.53503,"confidence":0.9794922,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.26224634051322937},{"word":"making","start":711.53503,"end":711.775,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.2729894816875458},{"word":"sure","start":711.775,"end":712.015,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.3157435357570648},{"word":"that","start":712.015,"end":712.17505,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35749635100364685},{"word":"you've","start":712.17505,"end":712.41504,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.356234073638916},{"word":"got","start":712.41504,"end":712.575,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.3095439076423645},{"word":"a","start":712.575,"end":712.655,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3078131079673767},{"word":"good","start":712.655,"end":712.815,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.3270435929298401},{"word":"weighting","start":712.815,"end":713.315,"confidence":0.86344403,"punctuated_word":"weighting,","sentiment":"positive","sentiment_score":0.3823206126689911},{"word":"and","start":713.54004,"end":713.62,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.362817645072937},{"word":"it's","start":713.62,"end":713.86005,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5604779124259949},{"word":"actually","start":713.86005,"end":714.34,"confidence":0.99609375,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.5833826661109924},{"word":"increasing","start":714.34,"end":714.74005,"confidence":1.0,"punctuated_word":"increasing","sentiment":"positive","sentiment_score":0.6251115202903748},{"word":"your","start":714.74005,"end":714.98004,"confidence":0.6147461,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6820586919784546},{"word":"diversification","start":714.98004,"end":715.48004,"confidence":1.0,"punctuated_word":"diversification","sentiment":"positive","sentiment_score":0.5844703912734985},{"word":"into","start":715.86005,"end":716.18,"confidence":1.0,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.6000123023986816},{"word":"australian","start":716.18,"end":716.66003,"confidence":0.9970703,"punctuated_word":"Australian","sentiment":"positive","sentiment_score":0.4792694449424744},{"word":"equities","start":716.66003,"end":717.14,"confidence":0.9663086,"punctuated_word":"equities","sentiment":"positive","sentiment_score":0.5344806909561157},{"word":"as","start":717.14,"end":717.22003,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5410590767860413},{"word":"well","start":717.22003,"end":717.72003,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5505714416503906},{"word":"whilst","start":718.26,"end":718.74005,"confidence":0.77441406,"punctuated_word":"whilst","sentiment":"positive","sentiment_score":0.4435732364654541},{"word":"reducing","start":718.74005,"end":719.22003,"confidence":1.0,"punctuated_word":"reducing","sentiment":"positive","sentiment_score":0.38141930103302},{"word":"the","start":719.22003,"end":719.30005,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.42964017391204834},{"word":"cost","start":719.30005,"end":719.62,"confidence":0.9921875,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.35959428548812866},{"word":"of","start":719.62,"end":719.78,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4317368268966675},{"word":"the","start":719.78,"end":720.02,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3823377788066864},{"word":"portfolio","start":720.02,"end":720.52,"confidence":0.9577637,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.26526111364364624},{"word":"so","start":720.74005,"end":720.98004,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2083837389945984},{"word":"we'll","start":720.98004,"end":721.22003,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2636244297027588},{"word":"buy","start":721.22003,"end":721.46,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.2506371736526489},{"word":"into","start":721.46,"end":721.78,"confidence":0.9770508,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.25448790192604065},{"word":"the","start":721.78,"end":722.02,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2177215963602066},{"word":"a","start":722.02,"end":722.18,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14268046617507937},{"word":"200","start":722.18,"end":722.74005,"confidence":0.96240234,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.1536845564842224},{"word":"there","start":722.74005,"end":722.98004,"confidence":0.9453125,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1558097004890442},{"word":"and","start":722.98004,"end":723.14,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13598531484603882},{"word":"you'll","start":723.14,"end":723.30005,"confidence":0.9343262,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.16001221537590027},{"word":"hold","start":723.30005,"end":723.54004,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.10454630851745604},{"word":"about","start":723.54004,"end":723.86005,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1331922709941864},{"word":"10%","start":723.86005,"end":724.5,"confidence":0.9995117,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.2091447412967682},{"word":"of","start":724.5,"end":724.66003,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1407361477613449},{"word":"that","start":724.66003,"end":725.14,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17457598447799683},{"word":"and","start":725.14,"end":725.30005,"confidence":0.9194336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12938755750656128},{"word":"then","start":725.30005,"end":725.54004,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13774387538433075},{"word":"15%","start":725.54004,"end":726.34,"confidence":0.9995117,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.1753208339214325},{"word":"of","start":726.34,"end":726.5,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12804847955703735},{"word":"the","start":726.5,"end":726.66003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13314087688922882},{"word":"a","start":726.66003,"end":726.9,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12259145081043243},{"word":"200","start":726.9,"end":727.46,"confidence":1.0,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.166044220328331},{"word":"portfolio","start":727.46,"end":727.96,"confidence":0.99560547,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.09239230304956436},{"word":"because","start":729.755,"end":730.235,"confidence":0.9873047,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.08824513852596283},{"word":"you","start":730.235,"end":730.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12754099071025848},{"word":"are","start":730.395,"end":730.715,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12954682111740112},{"word":"realistically","start":730.715,"end":731.215,"confidence":0.984375,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":0.15488262474536896},{"word":"younger","start":731.355,"end":731.835,"confidence":0.9980469,"punctuated_word":"younger","sentiment":"neutral","sentiment_score":0.09050716459751128},{"word":"and","start":731.835,"end":731.995,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0028302446007728577},{"word":"can","start":731.995,"end":732.495,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0546652153134346},{"word":"can","start":732.795,"end":733.115,"confidence":0.9223633,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06920449435710907},{"word":"sustain","start":733.115,"end":733.515,"confidence":0.9604492,"punctuated_word":"sustain","sentiment":"neutral","sentiment_score":0.06346386671066284},{"word":"a","start":733.515,"end":733.675,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04064339026808739},{"word":"little","start":733.675,"end":733.915,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.013825342059135435},{"word":"bit","start":733.915,"end":734.15497,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0008737742900848389},{"word":"of","start":734.15497,"end":734.65497,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.020363211631774902},{"word":"more","start":734.955,"end":735.275,"confidence":0.91259766,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.027606889605522156},{"word":"risk","start":735.275,"end":735.515,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.04738286137580872},{"word":"in","start":735.515,"end":735.675,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.013640925288200378},{"word":"the","start":735.675,"end":735.835,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06722790747880936},{"word":"portfolio","start":735.835,"end":736.335,"confidence":0.99609375,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.04619444161653519},{"word":"i've","start":736.555,"end":736.715,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.24087661504745483},{"word":"also","start":736.715,"end":737.035,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.19025152921676636},{"word":"included","start":737.035,"end":737.435,"confidence":0.99316406,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.23291710019111633},{"word":"the","start":737.435,"end":737.675,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21907472610473633},{"word":"jpmorgan","start":737.675,"end":738.175,"confidence":0.85253906,"punctuated_word":"JPMorgan","sentiment":"neutral","sentiment_score":0.20376525819301605},{"word":"global","start":738.555,"end":739.055,"confidence":0.88134766,"punctuated_word":"Global","sentiment":"neutral","sentiment_score":0.2000580132007599},{"word":"research","start":739.595,"end":740.095,"confidence":0.7607422,"punctuated_word":"Research","sentiment":"neutral","sentiment_score":0.19619044661521912},{"word":"enhanced","start":740.235,"end":740.715,"confidence":0.56152344,"punctuated_word":"Enhanced","sentiment":"neutral","sentiment_score":0.19288766384124756},{"word":"equity","start":740.715,"end":741.215,"confidence":0.9941406,"punctuated_word":"Equity","sentiment":"neutral","sentiment_score":0.13170497119426727},{"word":"fund","start":741.275,"end":741.775,"confidence":0.9794922,"punctuated_word":"Fund.","sentiment":"neutral","sentiment_score":0.15723168849945068},{"word":"this","start":741.835,"end":742.075,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.1976407766342163},{"word":"here","start":742.075,"end":742.575,"confidence":0.93115234,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.18611329793930056},{"word":"is","start":742.81,"end":742.97003,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1743592768907547},{"word":"more","start":742.97003,"end":743.05005,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.18459010124206543},{"word":"of","start":743.05005,"end":743.13,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18514245748519895},{"word":"an","start":743.13,"end":743.45,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1991867423057556},{"word":"actively","start":743.45,"end":743.93005,"confidence":1.0,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.2569318413734436},{"word":"managed","start":743.93005,"end":744.25,"confidence":0.9921875,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.2774348556995392},{"word":"fund","start":744.25,"end":744.49005,"confidence":0.8461914,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.19403710961341855},{"word":"so","start":744.49005,"end":744.81,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15858930349349976},{"word":"it","start":744.81,"end":744.89,"confidence":0.94921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21931034326553345},{"word":"utilizes","start":744.89,"end":745.39,"confidence":0.99609375,"punctuated_word":"utilizes","sentiment":"neutral","sentiment_score":0.23545145988464355},{"word":"jpmorgan's","start":745.61005,"end":746.11005,"confidence":0.7998047,"punctuated_word":"JPMorgan's","sentiment":"neutral","sentiment_score":0.2609100043773651},{"word":"research","start":746.73004,"end":747.21,"confidence":0.9375,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.2124924957752228},{"word":"team","start":747.21,"end":747.53,"confidence":0.99902344,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.27892106771469116},{"word":"to","start":747.53,"end":747.77,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21384179592132568},{"word":"look","start":747.77,"end":748.17004,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.22155918180942535},{"word":"for","start":748.17004,"end":748.67004,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1978367120027542},{"word":"areas","start":748.73004,"end":749.21,"confidence":1.0,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.18970009684562683},{"word":"of","start":749.21,"end":749.45,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2091137170791626},{"word":"growth","start":749.45,"end":749.95,"confidence":0.99902344,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.226691335439682},{"word":"it","start":750.57,"end":750.81,"confidence":0.71875,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3999169170856476},{"word":"is","start":750.81,"end":751.05005,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3682759702205658},{"word":"a","start":751.05005,"end":751.21,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3733453154563904},{"word":"cheap","start":751.21,"end":751.45,"confidence":0.99316406,"punctuated_word":"cheap","sentiment":"neutral","sentiment_score":0.324655681848526},{"word":"fund","start":751.45,"end":751.77,"confidence":0.99121094,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.2804289758205414},{"word":"to","start":751.77,"end":751.85004,"confidence":0.9892578,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34103912115097046},{"word":"have","start":751.85004,"end":752.09,"confidence":0.9589844,"punctuated_word":"have,","sentiment":"positive","sentiment_score":0.33528900146484375},{"word":"but","start":752.09,"end":752.17004,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2650386691093445},{"word":"it","start":752.17004,"end":752.33,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3026805818080902},{"word":"does","start":752.33,"end":752.57,"confidence":0.9980469,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.3396252691745758},{"word":"give","start":752.57,"end":752.73004,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.3039402961730957},{"word":"you","start":752.73004,"end":752.81,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.318042129278183},{"word":"a","start":752.81,"end":752.97003,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2370634824037552},{"word":"little","start":752.97003,"end":753.13,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.21913518011569977},{"word":"bit","start":753.13,"end":753.29004,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2514774203300476},{"word":"of","start":753.29004,"end":753.37,"confidence":0.90722656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26670530438423157},{"word":"active","start":753.37,"end":753.69,"confidence":1.0,"punctuated_word":"active","sentiment":"neutral","sentiment_score":0.2815612256526947},{"word":"management","start":753.69,"end":754.17004,"confidence":1.0,"punctuated_word":"management","sentiment":"neutral","sentiment_score":0.2935519516468048},{"word":"in","start":754.17004,"end":754.41003,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.31718122959136963},{"word":"there","start":754.41003,"end":754.65,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3515116572380066},{"word":"as","start":754.65,"end":754.81,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2799292504787445},{"word":"well","start":754.81,"end":755.05005,"confidence":0.82006836,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.25152212381362915},{"word":"and","start":755.05005,"end":755.21,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2444080114364624},{"word":"it's","start":755.21,"end":755.53,"confidence":0.99609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2391929477453232},{"word":"global","start":755.53,"end":756.01,"confidence":0.9550781,"punctuated_word":"global,","sentiment":"neutral","sentiment_score":0.2387758195400238},{"word":"so","start":756.01,"end":756.09,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1869048774242401},{"word":"it's","start":756.09,"end":756.33,"confidence":0.99365234,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3187003433704376},{"word":"well","start":756.33,"end":756.57,"confidence":0.99609375,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.3881336450576782},{"word":"diversified","start":756.57,"end":757.07,"confidence":0.875,"punctuated_word":"diversified,","sentiment":"neutral","sentiment_score":0.28223714232444763},{"word":"and","start":757.76495,"end":758.005,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16152352094650269},{"word":"it's","start":758.005,"end":758.165,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.17565226554870603},{"word":"not","start":758.165,"end":758.40497,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.07794661074876785},{"word":"an","start":758.40497,"end":758.64496,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.024343490600585938},{"word":"expensive","start":758.64496,"end":759.125,"confidence":0.99609375,"punctuated_word":"expensive","sentiment":"neutral","sentiment_score":-0.02053513377904892},{"word":"fund","start":759.125,"end":759.445,"confidence":0.9941406,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.0900982916355133},{"word":"to","start":759.445,"end":759.52496,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03264526277780533},{"word":"hold","start":759.52496,"end":759.76495,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.01619209721684456},{"word":"as","start":759.76495,"end":759.925,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10805876553058624},{"word":"well","start":759.925,"end":760.165,"confidence":0.9790039,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09656624495983124},{"word":"so","start":760.165,"end":760.32495,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11111234873533248},{"word":"we","start":760.32495,"end":760.485,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1283210664987564},{"word":"do","start":760.485,"end":760.64496,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10082199424505234},{"word":"wanna","start":760.64496,"end":760.885,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.15542030334472656},{"word":"hold","start":760.885,"end":761.125,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.06572580337524414},{"word":"about","start":761.125,"end":761.445,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08634725213050842},{"word":"15%","start":761.445,"end":762.165,"confidence":0.9980469,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.15980854630470276},{"word":"of","start":762.165,"end":762.32495,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08861537277698517},{"word":"that","start":762.32495,"end":762.485,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09683679789304732},{"word":"in","start":762.485,"end":762.64496,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0867377296090126},{"word":"your","start":762.64496,"end":762.885,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1519339680671692},{"word":"portfolio","start":762.885,"end":763.385,"confidence":0.9975586,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.10049188137054443},{"word":"we'll","start":763.76495,"end":764.005,"confidence":0.99902344,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.10262364149093628},{"word":"keep","start":764.005,"end":764.245,"confidence":0.9941406,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.09606066346168518},{"word":"to","start":764.245,"end":764.40497,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08744938671588898},{"word":"monitor","start":764.40497,"end":764.725,"confidence":0.99316406,"punctuated_word":"monitor","sentiment":"neutral","sentiment_score":0.1298418492078781},{"word":"that","start":764.725,"end":765.045,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07561434060335159},{"word":"moving","start":765.045,"end":765.285,"confidence":0.9980469,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.12077479809522627},{"word":"forward","start":765.285,"end":765.605,"confidence":0.75878906,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.1135137304663658},{"word":"and","start":765.605,"end":765.76495,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03800126165151596},{"word":"if","start":765.76495,"end":765.925,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.017188500612974167},{"word":"we","start":765.925,"end":766.08496,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0018202662467956543},{"word":"find","start":766.08496,"end":766.32495,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.04519699513912201},{"word":"it's","start":766.32495,"end":766.485,"confidence":0.92871094,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.09705434739589693},{"word":"not","start":766.485,"end":766.725,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.19251808524131775},{"word":"performing","start":766.725,"end":767.125,"confidence":0.99902344,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":-0.15988904237747192},{"word":"the","start":767.125,"end":767.285,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17539528012275696},{"word":"way","start":767.285,"end":767.445,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.1709393560886383},{"word":"we","start":767.445,"end":767.605,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12484599649906158},{"word":"hoped","start":767.605,"end":767.845,"confidence":0.8881836,"punctuated_word":"hoped","sentiment":"neutral","sentiment_score":-0.1664886474609375},{"word":"it","start":767.845,"end":768.08496,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2230292558670044},{"word":"would","start":768.08496,"end":768.485,"confidence":0.99902344,"punctuated_word":"would,","sentiment":"neutral","sentiment_score":-0.1846218705177307},{"word":"we'll","start":768.485,"end":768.725,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.13310661911964417},{"word":"look","start":768.725,"end":768.885,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.1584862321615219},{"word":"to","start":768.885,"end":769.045,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1667819619178772},{"word":"swap","start":769.045,"end":769.365,"confidence":1.0,"punctuated_word":"swap","sentiment":"neutral","sentiment_score":-0.15240558981895447},{"word":"it","start":769.365,"end":769.52496,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.12839694321155548},{"word":"out","start":769.52496,"end":769.76495,"confidence":0.97143555,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.1299736201763153},{"word":"but","start":769.76495,"end":770.005,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1360020637512207},{"word":"this","start":770.005,"end":770.245,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.3097151517868042},{"word":"year","start":770.245,"end":770.485,"confidence":0.9616699,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.45154839754104614},{"word":"it","start":770.485,"end":770.565,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.595326840877533},{"word":"has","start":770.565,"end":770.805,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5400543212890625},{"word":"done","start":770.805,"end":771.045,"confidence":0.99902344,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.6756460666656494},{"word":"really","start":771.045,"end":771.285,"confidence":0.98657227,"punctuated_word":"really,","sentiment":"positive","sentiment_score":0.7319468259811401},{"word":"really","start":771.285,"end":771.605,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7563655972480774},{"word":"well","start":771.605,"end":771.925,"confidence":0.83740234,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.6287481784820557},{"word":"and","start":771.925,"end":772.165,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5820526480674744},{"word":"jpmorgan's","start":772.165,"end":772.665,"confidence":0.8400879,"punctuated_word":"JPMorgan's","sentiment":"positive","sentiment_score":0.611785352230072},{"word":"research","start":773.35,"end":773.67,"confidence":0.9980469,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.5409115552902222},{"word":"team","start":773.67,"end":773.91,"confidence":1.0,"punctuated_word":"team","sentiment":"positive","sentiment_score":0.5878026485443115},{"word":"is","start":773.91,"end":774.15,"confidence":0.9970703,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.535957932472229},{"word":"one","start":774.15,"end":774.31,"confidence":1.0,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.4961279630661011},{"word":"of","start":774.31,"end":774.39,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.430262953042984},{"word":"the","start":774.39,"end":774.47003,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4688107371330261},{"word":"biggest","start":774.47003,"end":774.87,"confidence":1.0,"punctuated_word":"biggest","sentiment":"positive","sentiment_score":0.491458535194397},{"word":"in","start":774.87,"end":774.95,"confidence":0.9951172,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4221090078353882},{"word":"the","start":774.95,"end":775.11,"confidence":0.9951172,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5158323645591736},{"word":"globe","start":775.11,"end":775.59,"confidence":0.88964844,"punctuated_word":"globe.","sentiment":"positive","sentiment_score":0.4450988173484802},{"word":"so","start":775.59,"end":776.07,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.48966488242149353},{"word":"it","start":776.07,"end":776.23,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.581270694732666},{"word":"is","start":776.23,"end":776.39,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5819777846336365},{"word":"well","start":776.39,"end":776.63,"confidence":0.97998047,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.563122570514679},{"word":"worth","start":776.63,"end":776.87,"confidence":0.99902344,"punctuated_word":"worth","sentiment":"positive","sentiment_score":0.4429544806480408},{"word":"having","start":776.87,"end":777.19,"confidence":1.0,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.5052261352539062},{"word":"a","start":777.19,"end":777.27,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5262681245803833},{"word":"little","start":777.27,"end":777.51,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.4844052493572235},{"word":"bit","start":777.51,"end":777.67,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.48190632462501526},{"word":"of","start":777.67,"end":777.91,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5470668077468872},{"word":"exposure","start":777.91,"end":778.31,"confidence":1.0,"punctuated_word":"exposure","sentiment":"positive","sentiment_score":0.3526887893676758},{"word":"into","start":778.31,"end":778.63,"confidence":0.9980469,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.4511386156082154},{"word":"that","start":778.63,"end":778.95,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5221004486083984},{"word":"for","start":778.95,"end":779.19,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5274515151977539},{"word":"you","start":779.19,"end":779.69,"confidence":0.99609375,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4425964951515198},{"word":"and","start":780.15,"end":780.39,"confidence":0.7158203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19015416502952576},{"word":"then","start":780.39,"end":780.55,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14071813225746155},{"word":"we've","start":780.55,"end":780.87,"confidence":0.99560547,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.15789422392845154},{"word":"also","start":780.87,"end":781.27,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10750631988048552},{"word":"got","start":781.27,"end":781.51,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1320643424987793},{"word":"the","start":781.51,"end":781.67,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08635121583938599},{"word":"core","start":781.67,"end":781.91,"confidence":0.92822266,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.124789759516716},{"word":"composite","start":781.91,"end":782.41,"confidence":0.71484375,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.14628954231739044},{"word":"bonds","start":782.47003,"end":782.79,"confidence":0.9267578,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.1517474204301834},{"word":"there","start":782.79,"end":783.03,"confidence":0.8852539,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0415867455303669},{"word":"so","start":783.03,"end":783.27,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.006833389401435852},{"word":"we","start":783.27,"end":783.43,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01097201555967331},{"word":"are","start":783.43,"end":783.59,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.003620155155658722},{"word":"removing","start":783.59,"end":784.09,"confidence":0.99902344,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.030560120940208435},{"word":"the","start":784.23,"end":784.47003,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12320543825626372},{"word":"bank","start":784.47003,"end":784.79,"confidence":0.9472656,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.13398313522338867},{"word":"hybrids","start":784.79,"end":785.19,"confidence":0.9526367,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":-0.09232142567634584},{"word":"out","start":785.19,"end":785.43,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.14265470206737518},{"word":"of","start":785.43,"end":785.59,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07926861941814423},{"word":"the","start":785.59,"end":785.67,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.027067523449659348},{"word":"portfolio","start":785.67,"end":786.17,"confidence":0.9980469,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.04269281402230263},{"word":"we","start":786.39,"end":786.63,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.00885094702243805},{"word":"still","start":786.63,"end":786.87,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.010925263166427612},{"word":"wanna","start":786.87,"end":787.19,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.03966338187456131},{"word":"hold","start":787.19,"end":787.43,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.05877305567264557},{"word":"some","start":787.43,"end":787.75,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.031451933085918427},{"word":"defensive","start":787.75,"end":788.25,"confidence":0.9941406,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.03447917103767395},{"word":"assets","start":788.31,"end":788.81,"confidence":0.7409668,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.028890039771795273},{"word":"when","start":789.08496,"end":789.245,"confidence":1.0,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.04538636282086373},{"word":"you're","start":789.245,"end":789.32495,"confidence":0.98583984,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05385433882474899},{"word":"in","start":789.32495,"end":789.40497,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05657744035124779},{"word":"that","start":789.40497,"end":789.725,"confidence":0.9760742,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07174068689346313},{"word":"high","start":789.725,"end":789.96497,"confidence":0.9980469,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.05225302651524544},{"word":"growth","start":789.96497,"end":790.365,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.08278953284025192},{"word":"environment","start":790.365,"end":790.845,"confidence":0.99902344,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":0.04424382001161575},{"word":"we","start":790.845,"end":791.005,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05268126726150513},{"word":"still","start":791.005,"end":791.245,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0356103889644146},{"word":"wanna","start":791.245,"end":791.565,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.05284775793552399},{"word":"hold","start":791.565,"end":791.885,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.030087020248174667},{"word":"around","start":791.885,"end":792.125,"confidence":0.9980469,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.04875873401761055},{"word":"about","start":792.125,"end":792.52496,"confidence":0.8286133,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02648844942450523},{"word":"10%","start":792.52496,"end":793.745,"confidence":0.8317871,"punctuated_word":"10%.","sentiment":"neutral","sentiment_score":0.047333795577287674},{"word":"we","start":794.365,"end":794.605,"confidence":0.70996094,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.048422716557979584},{"word":"do","start":794.605,"end":794.845,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09349355101585388},{"word":"hold","start":794.845,"end":795.345,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.08726871013641357},{"word":"roughly","start":795.805,"end":796.285,"confidence":0.9604492,"punctuated_word":"roughly","sentiment":"neutral","sentiment_score":0.0583682581782341},{"word":"10%","start":796.285,"end":796.765,"confidence":0.99401855,"punctuated_word":"10%,","sentiment":"neutral","sentiment_score":0.08215222507715225},{"word":"but","start":796.765,"end":797.005,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.045729734003543854},{"word":"we","start":797.005,"end":797.165,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.014516755938529968},{"word":"have","start":797.165,"end":797.325,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01554858684539795},{"word":"a","start":797.325,"end":797.485,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.017466675490140915},{"word":"variance","start":797.485,"end":797.985,"confidence":0.9980469,"punctuated_word":"variance","sentiment":"neutral","sentiment_score":0.0006099194288253784},{"word":"of","start":798.045,"end":798.205,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00047989189624786377},{"word":"about","start":798.205,"end":798.52496,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.009527966380119324},{"word":"5%","start":798.52496,"end":799.08496,"confidence":1.0,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.020532336086034775},{"word":"in","start":799.08496,"end":799.245,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0011719316244125366},{"word":"our","start":799.245,"end":799.485,"confidence":0.9941406,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.01147269457578659},{"word":"portfolio","start":799.485,"end":799.985,"confidence":0.9362793,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.013311885297298431},{"word":"so","start":800.125,"end":800.285,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06083673611283302},{"word":"we're","start":800.285,"end":800.605,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10950031131505966},{"word":"only","start":800.605,"end":801.005,"confidence":0.81591797,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.1329244077205658},{"word":"gonna","start":801.005,"end":801.125,"confidence":0.6245117,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1334449201822281},{"word":"only","start":801.125,"end":801.245,"confidence":0.97998047,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.13778412342071533},{"word":"gonna","start":801.245,"end":801.485,"confidence":0.9902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.11256102472543716},{"word":"hold","start":801.485,"end":801.725,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.0921848639845848},{"word":"7%","start":801.725,"end":802.625,"confidence":0.9995117,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.12234026193618774},{"word":"of","start":802.87,"end":803.11005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10053198784589767},{"word":"this","start":803.11005,"end":803.35004,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.11111658811569214},{"word":"investment","start":803.35004,"end":803.85004,"confidence":0.9616699,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.08659271895885468},{"word":"making","start":804.31,"end":804.55005,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.15282529592514038},{"word":"sure","start":804.55005,"end":804.79004,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2019662708044052},{"word":"that","start":804.79004,"end":804.95,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22446750104427335},{"word":"we're","start":804.95,"end":805.19,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.19846920669078827},{"word":"still","start":805.19,"end":805.43,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.23008745908737183},{"word":"having","start":805.43,"end":805.75,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.17408303916454315},{"word":"defensive","start":805.75,"end":806.25,"confidence":0.9970703,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.13816669583320618},{"word":"assets","start":806.31,"end":806.63,"confidence":0.7121582,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.1238158643245697},{"word":"but","start":806.63,"end":806.79004,"confidence":0.921875,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16265922784805298},{"word":"making","start":806.79004,"end":807.11005,"confidence":0.99902344,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.19574618339538577},{"word":"sure","start":807.11005,"end":807.27,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.24315886199474335},{"word":"that","start":807.27,"end":807.43,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29926058650016785},{"word":"you","start":807.43,"end":807.59,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27865123748779297},{"word":"do","start":807.59,"end":808.07,"confidence":0.9975586,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.28286415338516235},{"word":"you","start":808.07,"end":808.23004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29417651891708374},{"word":"know","start":808.23004,"end":808.47003,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2608839273452759},{"word":"have","start":808.47003,"end":808.79004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.24715998768806455},{"word":"a","start":808.79004,"end":808.95,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2915518879890442},{"word":"good","start":808.95,"end":809.19,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.32195839285850525},{"word":"quality","start":809.19,"end":809.69,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.3228940963745117},{"word":"of","start":809.75,"end":810.25,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2819010019302368},{"word":"growth","start":810.71,"end":811.03,"confidence":0.62841797,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2854248881340027},{"word":"assets","start":811.03,"end":811.51,"confidence":0.9980469,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.22558069229125977},{"word":"within","start":811.51,"end":811.83,"confidence":0.99609375,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.2955217957496643},{"word":"your","start":811.83,"end":812.07,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29588615894317627},{"word":"portfolio","start":812.07,"end":812.57,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1892153024673462},{"word":"as","start":812.63,"end":812.79004,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24869772791862488},{"word":"well","start":812.79004,"end":813.03,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.23951801657676697},{"word":"to","start":813.03,"end":813.19,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21781936287879944},{"word":"obtain","start":813.19,"end":813.67004,"confidence":0.99902344,"punctuated_word":"obtain","sentiment":"neutral","sentiment_score":0.27453121542930603},{"word":"greater","start":813.67004,"end":814.07,"confidence":0.9951172,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.2237689644098282},{"word":"growth","start":814.07,"end":814.57,"confidence":1.0,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.2410827875137329},{"word":"this","start":815.20496,"end":815.365,"confidence":0.984375,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.024662494659423828},{"word":"is","start":815.365,"end":815.52496,"confidence":0.93603516,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.023953638970851895},{"word":"in","start":815.52496,"end":815.685,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03256571292877197},{"word":"a","start":815.685,"end":815.925,"confidence":0.8535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02582533285021782},{"word":"high","start":815.925,"end":816.08496,"confidence":0.99609375,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.02520237118005753},{"word":"growth","start":816.08496,"end":816.485,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.0044176578521728516},{"word":"environment","start":816.485,"end":816.985,"confidence":0.95825195,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":-0.01592135801911354},{"word":"so","start":817.045,"end":817.20496,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.010164789855480194},{"word":"we'll","start":817.20496,"end":817.365,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.016190752387046814},{"word":"keep","start":817.365,"end":817.605,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.03428965061903},{"word":"monitoring","start":817.605,"end":818.005,"confidence":1.0,"punctuated_word":"monitoring","sentiment":"neutral","sentiment_score":0.03530449420213699},{"word":"it","start":818.005,"end":818.165,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.017877191305160522},{"word":"to","start":818.165,"end":818.245,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.051197201013565063},{"word":"make","start":818.245,"end":818.40497,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.030225619673728943},{"word":"sure","start":818.40497,"end":818.64496,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.026249736547470093},{"word":"that","start":818.64496,"end":818.805,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.022071942687034607},{"word":"it","start":818.805,"end":818.96497,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03910885006189346},{"word":"is","start":818.96497,"end":819.125,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0627000704407692},{"word":"working","start":819.125,"end":819.52496,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.06569548696279526},{"word":"harder","start":819.52496,"end":819.845,"confidence":0.99902344,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":-0.04733563959598541},{"word":"for","start":819.845,"end":820.005,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04378266632556915},{"word":"you","start":820.005,"end":820.505,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.021279368549585342},{"word":"if","start":820.805,"end":821.045,"confidence":0.98095703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.06969434022903442},{"word":"at","start":821.045,"end":821.125,"confidence":0.7788086,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13218005001544952},{"word":"any","start":821.125,"end":821.365,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.08691279590129852},{"word":"point","start":821.365,"end":821.685,"confidence":0.99902344,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.10406941920518877},{"word":"any","start":821.685,"end":821.845,"confidence":0.69140625,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.11656561493873596},{"word":"of","start":821.845,"end":822.005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15419751405715942},{"word":"these","start":822.005,"end":822.245,"confidence":0.99121094,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.20067504048347473},{"word":"starts","start":822.245,"end":822.485,"confidence":0.30639648,"punctuated_word":"starts","sentiment":"neutral","sentiment_score":-0.16841328144073486},{"word":"to","start":822.485,"end":822.64496,"confidence":0.92089844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15837517380714417},{"word":"underperform","start":822.64496,"end":823.14496,"confidence":0.9863281,"punctuated_word":"underperform,","sentiment":"neutral","sentiment_score":-0.1128365993499756},{"word":"we'll","start":823.20496,"end":823.44495,"confidence":0.9916992,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.1489548534154892},{"word":"look","start":823.44495,"end":823.605,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.1541215181350708},{"word":"to","start":823.605,"end":823.76495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1046922579407692},{"word":"move","start":823.76495,"end":824.005,"confidence":0.9970703,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.09459787607192992},{"word":"them","start":824.005,"end":824.165,"confidence":0.94140625,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.17496995627880096},{"word":"out","start":824.165,"end":824.40497,"confidence":0.8413086,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.10881643742322922},{"word":"nice","start":824.40497,"end":824.64496,"confidence":0.9980469,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.019327759742736816},{"word":"and","start":824.64496,"end":824.805,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04192247986793518},{"word":"quick","start":824.805,"end":825.305,"confidence":0.99365234,"punctuated_word":"quick.","sentiment":"neutral","sentiment_score":-0.014994751662015917},{"word":"but","start":825.76495,"end":825.925,"confidence":0.9489746,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.057399433106184006},{"word":"essentially","start":825.925,"end":826.425,"confidence":1.0,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.07975856959819794},{"word":"once","start":826.485,"end":826.725,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.12333592772483826},{"word":"that","start":826.725,"end":826.96497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1248716115951538},{"word":"switch","start":826.96497,"end":827.285,"confidence":0.9980469,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.07838435471057892},{"word":"has","start":827.285,"end":827.52496,"confidence":0.9980469,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.13699989020824432},{"word":"been","start":827.52496,"end":827.76495,"confidence":0.99609375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.1841450184583664},{"word":"made","start":827.76495,"end":828.26495,"confidence":0.99902344,"punctuated_word":"made,","sentiment":"neutral","sentiment_score":0.15765179693698883},{"word":"you'll","start":828.63,"end":829.03,"confidence":0.99853516,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.13975930213928223},{"word":"essentially","start":829.03,"end":829.53,"confidence":0.9194336,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.13385061919689178},{"word":"see","start":829.59,"end":829.83,"confidence":0.9921875,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.15650157630443573},{"word":"some","start":829.83,"end":830.07,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1314970701932907},{"word":"physical","start":830.07,"end":830.55,"confidence":0.99316406,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.10814884305000304},{"word":"gold","start":830.55,"end":830.87,"confidence":0.82714844,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.12940068542957306},{"word":"the","start":830.87,"end":831.03,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17664512991905212},{"word":"cybersecurity","start":831.03,"end":831.53,"confidence":0.83935547,"punctuated_word":"cybersecurity.","sentiment":"neutral","sentiment_score":0.12163499742746352},{"word":"you'll","start":831.83,"end":832.07,"confidence":0.96875,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.14943766593933103},{"word":"have","start":832.07,"end":832.31,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17177802324295044},{"word":"access","start":832.31,"end":832.55,"confidence":0.9980469,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.14143206179141998},{"word":"to","start":832.55,"end":832.71,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17073221504688263},{"word":"the","start":832.71,"end":832.87,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17216864228248596},{"word":"s","start":832.87,"end":833.03,"confidence":0.89453125,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.10947743058204652},{"word":"and","start":833.03,"end":833.19,"confidence":0.9116211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09995022416114809},{"word":"p","start":833.19,"end":833.51,"confidence":0.99902344,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.0979328453540802},{"word":"500","start":833.51,"end":834.15,"confidence":0.9995117,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.16584138572216034},{"word":"and","start":834.15,"end":834.47003,"confidence":0.94140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11482258141040802},{"word":"australian","start":834.47003,"end":834.97003,"confidence":0.9941406,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.14021338522434235},{"word":"equities","start":835.75,"end":836.25,"confidence":0.9560547,"punctuated_word":"equities.","sentiment":"neutral","sentiment_score":0.12970159947872162},{"word":"we'll","start":836.39,"end":836.63,"confidence":0.9838867,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.10244443267583848},{"word":"see","start":836.63,"end":836.87,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.12826161086559296},{"word":"some","start":836.87,"end":837.11,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0889999121427536},{"word":"india","start":837.11,"end":837.51,"confidence":0.9790039,"punctuated_word":"India","sentiment":"neutral","sentiment_score":0.06214417144656181},{"word":"exposures","start":837.51,"end":838.01,"confidence":0.6713867,"punctuated_word":"exposures","sentiment":"neutral","sentiment_score":0.07015373557806015},{"word":"in","start":838.07,"end":838.23004,"confidence":0.6870117,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06499995291233063},{"word":"health","start":838.23004,"end":838.47003,"confidence":0.9267578,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.09176026284694672},{"word":"care","start":838.47003,"end":838.95,"confidence":0.9980469,"punctuated_word":"care","sentiment":"neutral","sentiment_score":0.12830305099487305},{"word":"and","start":838.95,"end":839.11,"confidence":0.79003906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10672306269407272},{"word":"that","start":839.11,"end":839.35004,"confidence":0.9838867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14197589457035065},{"word":"jpmorgan","start":839.35004,"end":839.85004,"confidence":0.8496094,"punctuated_word":"JPMorgan","sentiment":"neutral","sentiment_score":0.12901218235492706},{"word":"global","start":840.15,"end":840.63,"confidence":0.9350586,"punctuated_word":"Global","sentiment":"neutral","sentiment_score":0.14043079316616058},{"word":"retouched","start":840.63,"end":841.13,"confidence":0.65649414,"punctuated_word":"retouched","sentiment":"neutral","sentiment_score":0.14709939062595367},{"word":"enhanced","start":841.19,"end":841.635,"confidence":0.85546875,"punctuated_word":"enhanced","sentiment":"neutral","sentiment_score":0.156755268573761},{"word":"equity","start":841.715,"end":841.955,"confidence":0.9199219,"punctuated_word":"Equity","sentiment":"neutral","sentiment_score":0.13617923855781555},{"word":"fund","start":841.955,"end":842.115,"confidence":0.93847656,"punctuated_word":"Fund","sentiment":"neutral","sentiment_score":0.11187047511339188},{"word":"in","start":842.115,"end":842.275,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11851779371500017},{"word":"there","start":842.275,"end":842.59503,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1192401647567749},{"word":"and","start":842.59503,"end":842.755,"confidence":0.64404297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09302198886871338},{"word":"then","start":842.755,"end":843.075,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1289193630218506},{"word":"some","start":843.075,"end":843.395,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07425568997859955},{"word":"defensive","start":843.395,"end":843.875,"confidence":0.9951172,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.05514149367809296},{"word":"assets","start":843.875,"end":844.275,"confidence":0.9980469,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.05823878198862076},{"word":"like","start":844.275,"end":844.435,"confidence":0.7607422,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09090645611286163},{"word":"bonds","start":844.435,"end":844.755,"confidence":0.95703125,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.08415774255990982},{"word":"in","start":844.755,"end":844.91504,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05820854008197784},{"word":"there","start":844.91504,"end":845.155,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09217382967472076},{"word":"as","start":845.155,"end":845.315,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10000242292881012},{"word":"well","start":845.315,"end":845.715,"confidence":0.9875488,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.10956479609012604},{"word":"so","start":845.715,"end":846.215,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09061764180660248},{"word":"that's","start":846.275,"end":846.59503,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.10071617364883424},{"word":"essentially","start":846.59503,"end":847.075,"confidence":0.96533203,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.08778982609510422},{"word":"the","start":847.075,"end":847.235,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10178373008966446},{"word":"changes","start":847.235,"end":847.635,"confidence":0.9980469,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.12231907993555068},{"word":"that","start":847.635,"end":847.795,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12861207127571106},{"word":"we","start":847.795,"end":847.955,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1035095751285553},{"word":"do","start":847.955,"end":848.115,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11979424953460692},{"word":"wanna","start":848.115,"end":848.355,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13171689212322235},{"word":"make","start":848.355,"end":848.59503,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10949587821960448},{"word":"to","start":848.59503,"end":848.675,"confidence":0.9741211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10107583552598952},{"word":"the","start":848.675,"end":848.835,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08417601883411407},{"word":"portfolio","start":848.835,"end":849.335,"confidence":0.9995117,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.06639660149812698},{"word":"do","start":850.355,"end":850.515,"confidence":0.7529297,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.03088264726102352},{"word":"you","start":850.515,"end":850.755,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.033570341765880585},{"word":"have","start":850.755,"end":850.91504,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.018506478518247604},{"word":"any","start":850.91504,"end":851.155,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.017159363254904747},{"word":"questions","start":851.155,"end":851.635,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.013535873964428902},{"word":"about","start":851.635,"end":851.875,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.005199739709496498},{"word":"that","start":851.875,"end":852.375,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.009133897721767426},{"word":"no","start":855.795,"end":856.14,"confidence":0.7402344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2831416130065918},{"word":"beautiful","start":857.74,"end":858.24,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4656108021736145},{"word":"excellent","start":858.38,"end":858.88,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.489986389875412},{"word":"the","start":859.9,"end":860.14,"confidence":0.28955078,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.18918223679065704},{"word":"next","start":860.14,"end":860.38,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1257932186126709},{"word":"page","start":860.38,"end":860.62,"confidence":0.9326172,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.14334477484226227},{"word":"it","start":860.62,"end":860.7,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12504930794239044},{"word":"does","start":860.7,"end":860.94,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.1062501072883606},{"word":"have","start":860.94,"end":861.10004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06546325981616974},{"word":"your","start":861.10004,"end":861.26,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05660324543714523},{"word":"cash","start":861.26,"end":861.58,"confidence":0.9941406,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.049019139260053635},{"word":"account","start":861.58,"end":861.82,"confidence":0.97998047,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.03740870580077171},{"word":"there","start":861.82,"end":862.06,"confidence":0.99365234,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0517851896584034},{"word":"so","start":862.06,"end":862.3,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.041628118604421616},{"word":"at","start":862.3,"end":862.38,"confidence":0.9448242,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.024594534188508987},{"word":"the","start":862.38,"end":862.54004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0376344621181488},{"word":"moment","start":862.54004,"end":863.02,"confidence":0.94677734,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.03731842339038849},{"word":"within","start":863.02,"end":863.42004,"confidence":0.99902344,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.03912178799510002},{"word":"hub","start":863.42004,"end":863.66003,"confidence":0.6074219,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.0584222786128521},{"word":"twenty","start":863.66003,"end":863.82,"confidence":0.9921875,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.05087776854634285},{"word":"four","start":863.82,"end":864.06,"confidence":0.99853516,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.029732050374150276},{"word":"we","start":864.06,"end":864.22003,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.029078662395477295},{"word":"only","start":864.22003,"end":864.54004,"confidence":0.9921875,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.003923311829566956},{"word":"really","start":864.54004,"end":864.78,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.0010950937867164612},{"word":"need","start":864.78,"end":864.94,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.005684182047843933},{"word":"to","start":864.94,"end":865.02,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008253950625658035},{"word":"hold","start":865.02,"end":865.34,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.022185511887073517},{"word":"about","start":865.34,"end":865.58,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.003213934600353241},{"word":"1.25%","start":865.58,"end":866.94,"confidence":0.9910156,"punctuated_word":"1.25%","sentiment":"neutral","sentiment_score":-0.01095015462487936},{"word":"cash","start":866.94,"end":867.44,"confidence":0.95654297,"punctuated_word":"cash.","sentiment":"neutral","sentiment_score":-0.020551303401589394},{"word":"that's","start":867.74,"end":867.98004,"confidence":0.98583984,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.01636587083339691},{"word":"their","start":867.98004,"end":868.14,"confidence":0.703125,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.035848431289196014},{"word":"minimum","start":868.14,"end":868.62,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":-0.03789325058460235},{"word":"cash","start":868.62,"end":868.86,"confidence":0.99609375,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.030722782015800476},{"word":"holding","start":868.86,"end":869.36,"confidence":0.96875,"punctuated_word":"holding.","sentiment":"neutral","sentiment_score":-0.004637854173779488},{"word":"we","start":869.58,"end":869.74,"confidence":0.96435547,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.01770826429128647},{"word":"you","start":869.9,"end":870.06,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026568301022052765},{"word":"currently","start":870.06,"end":870.46,"confidence":0.8886719,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.009584181010723114},{"word":"have","start":870.46,"end":870.62,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02365892380475998},{"word":"about","start":870.62,"end":870.86,"confidence":0.9873047,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0172368586063385},{"word":"1.80%","start":870.86,"end":872.355,"confidence":0.9248535,"punctuated_word":"1.80%.","sentiment":"neutral","sentiment_score":0.03762977570295334},{"word":"so","start":872.355,"end":872.515,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.057241618633270264},{"word":"we","start":872.515,"end":872.755,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06317625194787979},{"word":"are","start":872.755,"end":872.995,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06920934468507767},{"word":"gonna","start":872.995,"end":873.495,"confidence":1.0,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07976771146059036},{"word":"take","start":873.555,"end":873.875,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.08058479428291321},{"word":"about","start":873.875,"end":874.115,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07089142501354218},{"word":"a","start":874.115,"end":874.27496,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07940847426652908},{"word":"thousand","start":874.27496,"end":874.675,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.0378241240978241},{"word":"of","start":874.675,"end":874.755,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03604765981435776},{"word":"that","start":874.755,"end":874.915,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.031070850789546967},{"word":"and","start":874.915,"end":875.235,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.022046081721782684},{"word":"reinvest","start":875.235,"end":875.71497,"confidence":0.9970703,"punctuated_word":"reinvest","sentiment":"neutral","sentiment_score":0.010615135543048382},{"word":"it","start":875.71497,"end":876.21497,"confidence":0.99609375,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.04330545663833618},{"word":"realistically","start":876.675,"end":877.175,"confidence":0.94840497,"punctuated_word":"Realistically,","sentiment":"neutral","sentiment_score":0.007195223122835159},{"word":"it","start":877.235,"end":877.395,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.029308773577213287},{"word":"costs","start":877.395,"end":877.635,"confidence":0.8457031,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":0.044690750539302826},{"word":"you","start":877.635,"end":877.795,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.053160205483436584},{"word":"money","start":877.795,"end":878.035,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.017850562930107117},{"word":"to","start":878.035,"end":878.195,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0012818127870559692},{"word":"have","start":878.195,"end":878.355,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.033115021884441376},{"word":"money","start":878.355,"end":878.675,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.05007034540176392},{"word":"sitting","start":878.675,"end":878.915,"confidence":1.0,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.01097021996974945},{"word":"in","start":878.915,"end":879.15497,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06077376008033752},{"word":"cash","start":879.15497,"end":879.395,"confidence":0.75512695,"punctuated_word":"cash.","sentiment":"neutral","sentiment_score":-0.03145212680101395},{"word":"so","start":879.395,"end":879.635,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.055973440408706665},{"word":"we","start":879.635,"end":879.795,"confidence":0.98291016,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1119142770767212},{"word":"we","start":879.795,"end":879.875,"confidence":0.41088867,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13773055374622345},{"word":"just","start":879.875,"end":880.115,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11577706784009932},{"word":"wanna","start":880.115,"end":880.435,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.15981464087963104},{"word":"make","start":880.435,"end":880.595,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12547415494918823},{"word":"sure","start":880.595,"end":880.83496,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.123004749417305},{"word":"as","start":880.83496,"end":881.075,"confidence":0.9819336,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.182600736618042},{"word":"much","start":881.075,"end":881.315,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.15177123248577118},{"word":"of","start":881.315,"end":881.395,"confidence":0.94140625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1310657262802124},{"word":"your","start":881.395,"end":881.635,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1396551877260208},{"word":"portfolio","start":881.635,"end":882.135,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.03510298579931259},{"word":"is","start":882.27496,"end":882.515,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1900002360343933},{"word":"invested","start":882.515,"end":883.015,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.12730807065963745},{"word":"as","start":883.075,"end":883.315,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15813501179218292},{"word":"absolutely","start":883.315,"end":883.815,"confidence":0.9970703,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.1921512186527252},{"word":"possible","start":884.035,"end":884.535,"confidence":0.9980469,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.16734427213668823},{"word":"and","start":884.69,"end":884.76996,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1308591663837433},{"word":"just","start":884.76996,"end":885.08997,"confidence":0.98291016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1578846275806427},{"word":"hold","start":885.08997,"end":885.32996,"confidence":0.9980469,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.14430472254753113},{"word":"the","start":885.32996,"end":885.41,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15128193795681},{"word":"minimum","start":885.41,"end":885.89,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.05778758227825165},{"word":"cash","start":885.89,"end":886.20996,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.05798386037349701},{"word":"balance","start":886.20996,"end":886.52997,"confidence":0.9980469,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.11643041670322418},{"word":"there","start":886.52997,"end":886.85,"confidence":0.99316406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.17118486762046814},{"word":"for","start":886.85,"end":887.08997,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1344355046749115},{"word":"you","start":887.08997,"end":887.58997,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.09760621190071106},{"word":"that","start":888.20996,"end":888.45,"confidence":0.6489258,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.09022955596446992},{"word":"is","start":888.45,"end":888.76996,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08181250840425491},{"word":"essentially","start":888.76996,"end":889.26996,"confidence":0.9350586,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.07594276964664459},{"word":"how","start":889.57,"end":889.89,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05749979615211487},{"word":"we'll","start":889.89,"end":890.05,"confidence":0.9980469,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.0918196365237236},{"word":"see","start":890.05,"end":890.29,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.08409883081912994},{"word":"the","start":890.29,"end":890.52997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.062322307378053665},{"word":"waiting","start":890.52997,"end":891.02997,"confidence":0.82910156,"punctuated_word":"waiting.","sentiment":"neutral","sentiment_score":0.083423912525177},{"word":"if","start":891.49,"end":891.73,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.09312273561954498},{"word":"you","start":891.73,"end":891.89,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06565064191818237},{"word":"look","start":891.89,"end":892.20996,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05968412011861801},{"word":"at","start":892.20996,"end":892.37,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.054595187306404114},{"word":"the","start":892.37,"end":892.61,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06890194118022919},{"word":"next","start":892.61,"end":893.11,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.06256658583879471},{"word":"page","start":893.32996,"end":893.82996,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.08123774826526642},{"word":"down","start":893.89,"end":894.37,"confidence":0.9995117,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.08237497508525848},{"word":"it","start":894.37,"end":894.61,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07875886559486389},{"word":"essentially","start":894.61,"end":895.08997,"confidence":0.9970703,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.05748553574085235},{"word":"shows","start":895.08997,"end":895.49,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.04463345929980278},{"word":"you","start":895.49,"end":895.64996,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.051433246582746506},{"word":"the","start":895.64996,"end":896.14996,"confidence":0.9111328,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.032827652990818024},{"word":"proposed","start":896.20996,"end":896.69,"confidence":0.7753906,"punctuated_word":"proposed","sentiment":"neutral","sentiment_score":0.05058349668979645},{"word":"versus","start":896.69,"end":897.08997,"confidence":0.99902344,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":0.030099226161837574},{"word":"the","start":897.08997,"end":897.17,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011414550244808195},{"word":"current","start":897.17,"end":897.57,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.012524142861366272},{"word":"asset","start":897.57,"end":897.89,"confidence":0.9892578,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":-0.004348576068878174},{"word":"allocation","start":897.89,"end":898.39,"confidence":0.9975586,"punctuated_word":"allocation.","sentiment":"neutral","sentiment_score":0.054212622344493866},{"word":"so","start":899.175,"end":899.495,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06142517924308777},{"word":"generally","start":899.495,"end":899.975,"confidence":0.5810547,"punctuated_word":"generally","sentiment":"neutral","sentiment_score":0.061875928193330765},{"word":"speaking","start":899.975,"end":900.375,"confidence":0.99658203,"punctuated_word":"speaking,","sentiment":"neutral","sentiment_score":0.06603555381298065},{"word":"as","start":900.375,"end":900.535,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0911400020122528},{"word":"i","start":900.535,"end":900.695,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07637576758861542},{"word":"mentioned","start":900.695,"end":901.095,"confidence":0.7651367,"punctuated_word":"mentioned,","sentiment":"neutral","sentiment_score":0.07692435383796692},{"word":"in","start":901.095,"end":901.255,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04999148100614548},{"word":"that","start":901.255,"end":901.575,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.061071690171957016},{"word":"high","start":901.575,"end":901.815,"confidence":0.9970703,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.04676578938961029},{"word":"growth","start":901.815,"end":902.135,"confidence":0.9838867,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.06974343955516815},{"word":"environment","start":902.135,"end":902.615,"confidence":0.9909668,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":0.040994226932525635},{"word":"you","start":902.615,"end":902.775,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.049133606255054474},{"word":"have","start":902.775,"end":902.935,"confidence":0.9873047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05035260692238808},{"word":"that","start":902.935,"end":903.175,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0661592036485672},{"word":"ninety","start":903.175,"end":903.575,"confidence":0.9970703,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.00406830757856369},{"word":"ten","start":903.575,"end":903.895,"confidence":0.94189453,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.028659947216510773},{"word":"split","start":903.895,"end":904.395,"confidence":0.75683594,"punctuated_word":"split.","sentiment":"neutral","sentiment_score":0.0038122066762298346},{"word":"with","start":904.455,"end":904.695,"confidence":1.0,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.04785007983446121},{"word":"what","start":904.695,"end":904.855,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04372420161962509},{"word":"we've","start":904.855,"end":905.175,"confidence":0.96850586,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.07523958384990692},{"word":"proposed","start":905.175,"end":905.575,"confidence":0.9980469,"punctuated_word":"proposed","sentiment":"neutral","sentiment_score":0.07210171967744827},{"word":"with","start":905.575,"end":905.815,"confidence":0.98535156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07048768550157547},{"word":"the","start":905.815,"end":906.055,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06375442445278168},{"word":"investments","start":906.055,"end":906.535,"confidence":0.9851074,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.05507597327232361},{"word":"you're","start":906.535,"end":906.695,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06301523745059967},{"word":"gonna","start":906.695,"end":907.015,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.07015824317932129},{"word":"see","start":907.015,"end":907.255,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07494880259037018},{"word":"about","start":907.255,"end":907.575,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03848189115524292},{"word":"93","start":907.575,"end":908.455,"confidence":0.99934894,"punctuated_word":"93","sentiment":"neutral","sentiment_score":0.04758504778146744},{"word":"in","start":908.455,"end":908.615,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.058211758732795715},{"word":"growth","start":908.615,"end":909.015,"confidence":0.9589844,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.05343816056847572},{"word":"assets","start":909.015,"end":909.415,"confidence":0.75390625,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.06713937222957611},{"word":"so","start":909.415,"end":909.915,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05588287115097046},{"word":"australian","start":910.135,"end":910.635,"confidence":0.89501953,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.08916157484054565},{"word":"and","start":910.695,"end":910.775,"confidence":0.6611328,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.059488892555236816},{"word":"international","start":910.775,"end":911.275,"confidence":0.84716797,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.078882597386837},{"word":"equities","start":911.415,"end":911.895,"confidence":0.9707031,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.06804482638835907},{"word":"property","start":911.895,"end":912.375,"confidence":0.88720703,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.05449974909424782},{"word":"and","start":912.375,"end":912.535,"confidence":0.92333984,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06662125140428543},{"word":"alternative","start":912.535,"end":913.035,"confidence":0.9980469,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.059666067361831665},{"word":"growth","start":913.255,"end":913.575,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.052841827273368835},{"word":"assets","start":913.575,"end":914.055,"confidence":0.99902344,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.07860881090164185},{"word":"like","start":914.055,"end":914.295,"confidence":0.8413086,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08024073392152786},{"word":"gold","start":914.295,"end":914.79,"confidence":0.85913086,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.08787153661251068},{"word":"and","start":914.94995,"end":915.19,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06197026371955872},{"word":"then","start":915.19,"end":915.26996,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.042691513895988464},{"word":"just","start":915.26996,"end":915.67,"confidence":0.9716797,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.049592405557632446},{"word":"about","start":915.67,"end":915.91,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05000665411353111},{"word":"7%","start":915.91,"end":916.55,"confidence":0.9995117,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.0647319108247757},{"word":"in","start":916.55,"end":916.70996,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06985839456319809},{"word":"those","start":916.70996,"end":916.94995,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.07107691466808319},{"word":"fixed","start":916.94995,"end":917.26996,"confidence":0.99902344,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.05529463291168213},{"word":"interest","start":917.26996,"end":917.76996,"confidence":0.88964844,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.08854424208402634},{"word":"low","start":917.91,"end":918.14996,"confidence":0.51171875,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.062400951981544495},{"word":"risk","start":918.14996,"end":918.55,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.03154771029949188},{"word":"investments","start":918.55,"end":919.05,"confidence":0.99316406,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.05437622219324112},{"word":"like","start":919.11,"end":919.35,"confidence":0.95703125,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07913346588611603},{"word":"bonds","start":919.35,"end":919.85,"confidence":0.9785156,"punctuated_word":"bonds.","sentiment":"neutral","sentiment_score":0.0764584168791771},{"word":"so","start":919.99,"end":920.49,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05289420485496521},{"word":"that's","start":920.55,"end":920.79,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.09494145214557648},{"word":"essentially","start":920.79,"end":921.26996,"confidence":0.9536133,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.09912607073783876},{"word":"how","start":921.26996,"end":921.58997,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.07378850877285004},{"word":"we'll","start":921.58997,"end":921.75,"confidence":0.99902344,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.10659321397542952},{"word":"see","start":921.75,"end":921.91,"confidence":0.99609375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.14047494530677795},{"word":"that","start":921.91,"end":922.23,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08936313539743423},{"word":"split","start":922.23,"end":922.55,"confidence":0.98535156,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.0817265659570694},{"word":"changing","start":922.55,"end":923.05,"confidence":0.99902344,"punctuated_word":"changing.","sentiment":"neutral","sentiment_score":0.08757589012384415},{"word":"it","start":923.67,"end":923.82996,"confidence":0.58203125,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.11256413161754608},{"word":"is","start":923.82996,"end":924.07,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09981511533260344},{"word":"increasing","start":924.07,"end":924.55,"confidence":0.98535156,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.1031760349869728},{"word":"your","start":924.55,"end":924.79,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0780799612402916},{"word":"growth","start":924.79,"end":925.11,"confidence":0.8881836,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.10122371464967728},{"word":"exposure","start":925.11,"end":925.58997,"confidence":0.99609375,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.06521743535995483},{"word":"from","start":925.58997,"end":925.91,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0694621279835701},{"word":"where","start":925.91,"end":926.14996,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.04329141974449158},{"word":"you","start":926.14996,"end":926.31,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05750936269760132},{"word":"currently","start":926.31,"end":926.79,"confidence":0.97998047,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.030957579612731937},{"word":"are","start":926.79,"end":926.94995,"confidence":0.97436523,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":0.023399461060762405},{"word":"you're","start":926.94995,"end":927.19,"confidence":0.9995117,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.030112331733107567},{"word":"a","start":927.19,"end":927.26996,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04461418092250824},{"word":"little","start":927.26996,"end":927.50995,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.005847431719303131},{"word":"bit","start":927.50995,"end":927.67,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.006891772150993347},{"word":"under","start":927.67,"end":927.99,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.04273167997598648},{"word":"that","start":927.99,"end":928.23,"confidence":0.8886719,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.030874982476234436},{"word":"92.60","start":928.23,"end":929.445,"confidence":0.97280276,"punctuated_word":"92.60,","sentiment":"neutral","sentiment_score":0.030009692534804344},{"word":"and","start":929.445,"end":929.565,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02618422731757164},{"word":"you","start":929.565,"end":929.685,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027314502745866776},{"word":"have","start":929.685,"end":930.085,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03816907852888107},{"word":"about","start":930.085,"end":930.325,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.021132491528987885},{"word":"7.40%","start":930.325,"end":931.84503,"confidence":0.99960935,"punctuated_word":"7.40%","sentiment":"neutral","sentiment_score":0.04100633412599563},{"word":"in","start":931.84503,"end":932.005,"confidence":0.9838867,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.050217315554618835},{"word":"defensive","start":932.005,"end":932.48505,"confidence":0.9970703,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.02272946387529373},{"word":"assets","start":932.48505,"end":932.885,"confidence":0.98535156,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.004748702049255371},{"word":"at","start":932.885,"end":933.04504,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.007542669773101807},{"word":"the","start":933.04504,"end":933.205,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029861092567443848},{"word":"moment","start":933.205,"end":933.525,"confidence":0.9741211,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.02109135314822197},{"word":"so","start":933.525,"end":934.005,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04070263355970383},{"word":"it","start":934.005,"end":934.16504,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.057980187237262726},{"word":"is","start":934.16504,"end":934.405,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06237613409757614},{"word":"increasing","start":934.405,"end":934.905,"confidence":1.0,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.07504282891750336},{"word":"that","start":934.965,"end":935.205,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0454304963350296},{"word":"exposure","start":935.205,"end":935.685,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.005224578082561493},{"word":"into","start":935.685,"end":936.005,"confidence":0.9941406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0702417641878128},{"word":"growth","start":936.005,"end":936.325,"confidence":0.9838867,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.06485828012228012},{"word":"assets","start":936.325,"end":936.72504,"confidence":0.9980469,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.0956343039870262},{"word":"a","start":936.72504,"end":936.805,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05680035054683685},{"word":"little","start":936.805,"end":937.04504,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.03119281679391861},{"word":"bit","start":937.04504,"end":937.54504,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.031011641025543213},{"word":"and","start":937.685,"end":937.925,"confidence":0.7338867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030376829206943512},{"word":"decreasing","start":937.925,"end":938.425,"confidence":0.9863281,"punctuated_word":"decreasing","sentiment":"neutral","sentiment_score":0.04416000843048096},{"word":"your","start":938.48505,"end":938.645,"confidence":0.89501953,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.017864681780338287},{"word":"defensive","start":938.645,"end":939.145,"confidence":0.78271484,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":-0.0788537785410881},{"word":"exposure","start":939.205,"end":939.705,"confidence":0.69763184,"punctuated_word":"exposure,","sentiment":"neutral","sentiment_score":-0.015741467475891113},{"word":"but","start":939.925,"end":940.085,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.01882365345954895},{"word":"we'll","start":940.085,"end":940.325,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.032824739813804626},{"word":"keep","start":940.325,"end":940.565,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.03508371487259865},{"word":"monitoring","start":940.565,"end":941.04504,"confidence":1.0,"punctuated_word":"monitoring","sentiment":"neutral","sentiment_score":0.04921817779541016},{"word":"that","start":941.04504,"end":941.54504,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.02825808897614479},{"word":"if","start":942.02997,"end":942.19,"confidence":0.9741211,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.004237920045852661},{"word":"you","start":942.19,"end":942.43,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0070065781474113464},{"word":"do","start":942.43,"end":942.67,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.00009594857692718506},{"word":"find","start":942.67,"end":943.07,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.012439101934432983},{"word":"at","start":943.07,"end":943.14996,"confidence":0.8989258,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.045595213770866394},{"word":"any","start":943.14996,"end":943.39,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.01973774656653404},{"word":"point","start":943.39,"end":943.70996,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.03829600289463997},{"word":"that","start":943.70996,"end":943.95,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06255054473876953},{"word":"you're","start":943.95,"end":944.07,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.06974475085735321},{"word":"a","start":944.07,"end":944.19,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07151948660612106},{"word":"bit","start":944.19,"end":944.43,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.12199405580759048},{"word":"unsure","start":944.43,"end":944.83,"confidence":1.0,"punctuated_word":"unsure","sentiment":"neutral","sentiment_score":-0.1135544776916504},{"word":"about","start":944.83,"end":945.14996,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1335955709218979},{"word":"being","start":945.14996,"end":945.39,"confidence":0.89453125,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.11134742945432664},{"word":"in","start":945.39,"end":945.55,"confidence":0.8642578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10099563002586363},{"word":"that","start":945.55,"end":945.63,"confidence":0.62158203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07728728652000427},{"word":"high","start":945.63,"end":945.87,"confidence":0.98828125,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.06121634319424629},{"word":"growth","start":945.87,"end":946.19,"confidence":0.984375,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.06180714815855026},{"word":"portfolio","start":946.19,"end":946.69,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.0817514955997467},{"word":"or","start":946.83,"end":947.07,"confidence":0.94970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07020290195941925},{"word":"you","start":947.07,"end":947.23,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07361550629138947},{"word":"are","start":947.23,"end":947.47,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.06222200766205788},{"word":"a","start":947.47,"end":947.55,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08066922426223755},{"word":"bit","start":947.55,"end":947.70996,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1039709374308586},{"word":"concerned","start":947.70996,"end":948.11,"confidence":0.99902344,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.11365876346826552},{"word":"about","start":948.11,"end":948.35,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.10071228444576263},{"word":"the","start":948.35,"end":948.43,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09784354269504549},{"word":"markets","start":948.43,"end":948.93,"confidence":0.8815918,"punctuated_word":"markets,","sentiment":"neutral","sentiment_score":-0.07767742872238159},{"word":"please","start":948.99,"end":949.31,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":-0.05963730439543724},{"word":"let","start":949.31,"end":949.47,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.044544659554958344},{"word":"me","start":949.47,"end":949.63,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.004728078842163086},{"word":"know","start":949.63,"end":950.11,"confidence":0.9719238,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.013974711298942566},{"word":"more","start":950.11,"end":950.35,"confidence":0.9326172,"punctuated_word":"More","sentiment":"neutral","sentiment_score":0.06675081700086594},{"word":"than","start":950.35,"end":950.51,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.12116681784391405},{"word":"happy","start":950.51,"end":950.83,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.16328342258930206},{"word":"to","start":950.83,"end":950.91,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1424623876810074},{"word":"talk","start":950.91,"end":951.14996,"confidence":0.9970703,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.17784956097602844},{"word":"you","start":951.14996,"end":951.39,"confidence":0.98095703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16113126277923584},{"word":"short","start":951.39,"end":951.63,"confidence":0.47680664,"punctuated_word":"short","sentiment":"neutral","sentiment_score":0.15426737070083618},{"word":"and","start":951.63,"end":951.87,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1349761188030243},{"word":"or","start":951.87,"end":952.11,"confidence":0.98095703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.16169561445713043},{"word":"reassess","start":952.11,"end":952.61,"confidence":0.9995117,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":0.10514425486326218},{"word":"your","start":952.67,"end":952.83,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07272520661354065},{"word":"risk","start":952.83,"end":953.14996,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.21836473047733307},{"word":"profile","start":953.14996,"end":953.63,"confidence":0.9970703,"punctuated_word":"profile","sentiment":"neutral","sentiment_score":0.1048942655324936},{"word":"at","start":953.63,"end":953.79,"confidence":0.98828125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17399930953979492},{"word":"any","start":953.79,"end":954.02997,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2021179497241974},{"word":"point","start":954.02997,"end":954.26996,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.11625520884990692},{"word":"in","start":954.26996,"end":954.43,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16467797756195068},{"word":"time","start":954.43,"end":954.93,"confidence":0.9970703,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.16658733785152435},{"word":"one","start":955.645,"end":955.885,"confidence":0.9091797,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.1835491955280304},{"word":"of","start":955.885,"end":955.965,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11825408041477203},{"word":"the","start":955.965,"end":956.125,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13301429152488708},{"word":"biggest","start":956.125,"end":956.365,"confidence":0.99902344,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.139495849609375},{"word":"things","start":956.365,"end":956.685,"confidence":0.98828125,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.23626863956451416},{"word":"is","start":956.685,"end":956.925,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2079516053199768},{"word":"it's","start":956.925,"end":957.085,"confidence":0.9592285,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.24024634063243863},{"word":"fine","start":957.085,"end":957.405,"confidence":0.9921875,"punctuated_word":"fine","sentiment":"neutral","sentiment_score":0.25430816411972046},{"word":"to","start":957.405,"end":957.565,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22984729707241056},{"word":"be","start":957.565,"end":957.645,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.18241490423679352},{"word":"in","start":957.645,"end":957.805,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16255447268486023},{"word":"a","start":957.805,"end":957.965,"confidence":0.5527344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21332958340644836},{"word":"high","start":957.965,"end":958.205,"confidence":0.9921875,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.1918693780899048},{"word":"growth","start":958.205,"end":958.525,"confidence":0.9951172,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.23838037252426147},{"word":"environment","start":958.525,"end":959.025,"confidence":0.99902344,"punctuated_word":"environment","sentiment":"neutral","sentiment_score":0.22247785329818728},{"word":"at","start":959.085,"end":959.245,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12421654164791109},{"word":"your","start":959.245,"end":959.485,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15618860721588135},{"word":"agent","start":959.485,"end":959.885,"confidence":0.49609375,"punctuated_word":"agent","sentiment":"neutral","sentiment_score":0.16983234882354736},{"word":"stage","start":959.885,"end":960.205,"confidence":0.91186523,"punctuated_word":"stage,","sentiment":"neutral","sentiment_score":0.19797509908676147},{"word":"but","start":960.205,"end":960.365,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2149744927883148},{"word":"it's","start":960.365,"end":960.605,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.14887364208698273},{"word":"also","start":960.605,"end":960.84503,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1497749388217926},{"word":"gotta","start":960.84503,"end":961.085,"confidence":0.7890625,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.13387846946716309},{"word":"be","start":961.085,"end":961.325,"confidence":0.9658203,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13578583300113678},{"word":"to","start":961.325,"end":961.405,"confidence":0.6274414,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1717727780342102},{"word":"your","start":961.405,"end":961.645,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1769670397043228},{"word":"comfort","start":961.645,"end":961.965,"confidence":1.0,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.1630207896232605},{"word":"level","start":961.965,"end":962.365,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.19084849953651428},{"word":"as","start":962.365,"end":962.525,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22990302741527557},{"word":"well","start":962.525,"end":962.685,"confidence":0.7442627,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.21113969385623932},{"word":"and","start":962.685,"end":962.84503,"confidence":0.9472656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19440966844558716},{"word":"we","start":962.84503,"end":963.005,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2476477175951004},{"word":"can","start":963.005,"end":963.165,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.31269773840904236},{"word":"always","start":963.165,"end":963.565,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.29177483916282654},{"word":"you","start":963.645,"end":963.805,"confidence":0.8154297,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22296476364135745},{"word":"know","start":963.805,"end":963.885,"confidence":0.99609375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.25222933292388916},{"word":"if","start":963.885,"end":963.965,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3085134029388428},{"word":"we","start":963.965,"end":964.205,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2407011091709137},{"word":"start","start":964.205,"end":964.365,"confidence":0.9980469,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.2332291603088379},{"word":"to","start":964.365,"end":964.525,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20255771279335025},{"word":"reduce","start":964.525,"end":964.925,"confidence":1.0,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.13273568451404572},{"word":"the","start":964.925,"end":965.085,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08774960041046143},{"word":"risk","start":965.085,"end":965.485,"confidence":0.99658203,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":0.07967537641525269},{"word":"look","start":965.485,"end":965.645,"confidence":0.9760742,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.178554505109787},{"word":"at","start":965.645,"end":965.805,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1829967498779297},{"word":"maybe","start":965.805,"end":966.125,"confidence":0.96777344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.2305787056684494},{"word":"increasing","start":966.125,"end":966.605,"confidence":0.9970703,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.22108301520347595},{"word":"contributions","start":966.605,"end":967.105,"confidence":0.9970703,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.2542627453804016},{"word":"down","start":967.325,"end":967.485,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.3219957649707794},{"word":"the","start":967.485,"end":967.645,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3093147277832031},{"word":"track","start":967.645,"end":967.965,"confidence":0.9760742,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.2592560946941376},{"word":"to","start":967.965,"end":968.125,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23624426126480105},{"word":"kinda","start":968.125,"end":968.445,"confidence":0.91503906,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.3002994656562805},{"word":"mitigate","start":968.445,"end":968.925,"confidence":0.99902344,"punctuated_word":"mitigate","sentiment":"neutral","sentiment_score":0.2640790343284607},{"word":"the","start":968.925,"end":969.27,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29456838965415955},{"word":"the","start":969.35004,"end":969.67004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2429846227169037},{"word":"risk","start":969.67004,"end":969.91003,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.04694958031177521},{"word":"reduction","start":969.91003,"end":970.41003,"confidence":1.0,"punctuated_word":"reduction","sentiment":"neutral","sentiment_score":0.21724337339401245},{"word":"as","start":970.47003,"end":970.63,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23838183283805847},{"word":"well","start":970.63,"end":971.13,"confidence":0.9916992,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1590866893529892},{"word":"okay","start":971.19,"end":971.69,"confidence":0.9777832,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1449001580476761},{"word":"excellent","start":973.35004,"end":973.83,"confidence":0.9941406,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.41540759801864624},{"word":"do","start":973.83,"end":973.99,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.17925722897052765},{"word":"you","start":973.99,"end":974.07,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17607112228870392},{"word":"have","start":974.07,"end":974.15,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15027977526187897},{"word":"any","start":974.15,"end":974.39,"confidence":0.9970703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.17219293117523193},{"word":"questions","start":974.39,"end":974.79004,"confidence":0.9970703,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.12225494533777236},{"word":"so","start":974.79004,"end":975.03,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.112226665019989},{"word":"far","start":975.03,"end":975.27,"confidence":0.9951172,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.07836583256721497},{"word":"at","start":975.27,"end":975.43,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07604332268238068},{"word":"all","start":975.43,"end":975.93,"confidence":0.9941406,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.10966875404119492},{"word":"no","start":978.23004,"end":978.73004,"confidence":0.97802734,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.13661304116249084},{"word":"easy","start":979.43,"end":979.93,"confidence":0.9187012,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.021660052239894867},{"word":"if","start":980.79004,"end":981.03,"confidence":0.64501953,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.004640623927116394},{"word":"you","start":981.03,"end":981.19,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023865647614002228},{"word":"move","start":981.19,"end":981.43,"confidence":0.9716797,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.04760719835758209},{"word":"down","start":981.43,"end":981.67004,"confidence":0.9873047,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.04407070204615593},{"word":"to","start":981.67004,"end":981.83,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.042875032871961594},{"word":"page","start":981.83,"end":982.15,"confidence":0.9970703,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.016889728605747223},{"word":"number","start":982.15,"end":982.55005,"confidence":0.99609375,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.027168359607458115},{"word":"23","start":982.55005,"end":983.19,"confidence":0.98986816,"punctuated_word":"23,","sentiment":"neutral","sentiment_score":0.03551540896296501},{"word":"the","start":983.19,"end":983.35004,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031175769865512848},{"word":"next","start":983.35004,"end":983.59,"confidence":0.9892578,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.027961723506450653},{"word":"thing","start":983.59,"end":983.75,"confidence":0.98291016,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.020829349756240845},{"word":"that","start":983.75,"end":983.91003,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.010044019669294356},{"word":"we","start":983.91003,"end":984.07,"confidence":0.97509766,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.013164293020963669},{"word":"were","start":984.07,"end":984.23004,"confidence":0.9790039,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.008595321327447891},{"word":"looking","start":984.23004,"end":984.2407,"confidence":0.97314453,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.009558916091918944},{"word":"at","start":984.2407,"end":984.25134,"confidence":0.875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.006060648709535599},{"word":"was","start":984.25134,"end":984.262,"confidence":0.9375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.012363549321889876},{"word":"the","start":984.262,"end":984.2727,"confidence":0.75341797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019363045692443848},{"word":"insurance","start":984.2727,"end":984.2834,"confidence":0.59033203,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.013537026941776276},{"word":"side","start":984.2834,"end":984.294,"confidence":0.6274414,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.02941808849573135},{"word":"of","start":984.294,"end":984.3047,"confidence":0.78466797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.021239597350358963},{"word":"things","start":984.3047,"end":984.31537,"confidence":0.7705078,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.04267111048102379},{"word":"for","start":984.31537,"end":984.32605,"confidence":0.75683594,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04274981841444969},{"word":"you","start":984.32605,"end":984.3367,"confidence":0.90527344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.01843014918267727},{"word":"so","start":984.3367,"end":984.34735,"confidence":0.6767578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.032348331063985825},{"word":"as","start":984.34735,"end":984.35803,"confidence":0.7265625,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.046660929918289185},{"word":"i","start":984.35803,"end":984.3687,"confidence":0.7973633,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.056735508143901825},{"word":"kinda","start":984.3687,"end":984.37933,"confidence":0.80908203,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.055089570581912994},{"word":"went","start":984.37933,"end":984.39,"confidence":0.85058594,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.05275465548038483},{"word":"through","start":984.39,"end":984.63,"confidence":0.78466797,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04039831832051277},{"word":"the","start":984.63,"end":985.13,"confidence":0.79248047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02796224132180214},{"word":"insurance","start":985.325,"end":985.645,"confidence":0.90722656,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.01658710092306137},{"word":"side","start":985.645,"end":985.725,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.03236500918865204},{"word":"of","start":985.725,"end":985.885,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030134759843349457},{"word":"things","start":985.885,"end":986.205,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.05612264201045036},{"word":"for","start":986.205,"end":986.445,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05471392720937729},{"word":"you","start":986.445,"end":986.945,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.034021928906440735},{"word":"so","start":987.325,"end":987.565,"confidence":0.6645508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04802856221795082},{"word":"as","start":987.565,"end":987.805,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06921717524528503},{"word":"i","start":987.805,"end":987.885,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06746453046798706},{"word":"kinda","start":987.885,"end":988.125,"confidence":0.9741211,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.07772590219974518},{"word":"went","start":988.125,"end":988.365,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.07546772062778473},{"word":"through","start":988.365,"end":988.525,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0794624388217926},{"word":"the","start":988.525,"end":988.685,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07321546971797943},{"word":"projection","start":988.685,"end":989.185,"confidence":0.984375,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.02850479632616043},{"word":"table","start":989.245,"end":989.645,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.06729170680046082},{"word":"above","start":989.645,"end":990.045,"confidence":0.9980469,"punctuated_word":"above,","sentiment":"neutral","sentiment_score":0.061913177371025085},{"word":"we","start":990.045,"end":990.205,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06862451136112213},{"word":"also","start":990.205,"end":990.525,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.049426283687353134},{"word":"talked","start":990.525,"end":990.765,"confidence":0.99902344,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.06382904946804047},{"word":"about","start":990.765,"end":991.085,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.060050345957279205},{"word":"last","start":991.085,"end":991.325,"confidence":0.93847656,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.027711357921361923},{"word":"time","start":991.325,"end":991.825,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.013426624238491058},{"word":"looking","start":992.125,"end":992.365,"confidence":0.8886719,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.03034103661775589},{"word":"at","start":992.365,"end":992.685,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01805521547794342},{"word":"adding","start":992.685,"end":992.925,"confidence":1.0,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.042970508337020874},{"word":"some","start":992.925,"end":993.165,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.02926821261644363},{"word":"income","start":993.165,"end":993.565,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.03438635170459747},{"word":"protection","start":993.565,"end":994.065,"confidence":0.9914551,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.004066791385412216},{"word":"initial","start":995.085,"end":995.485,"confidence":0.96875,"punctuated_word":"Initial","sentiment":"neutral","sentiment_score":0.031854234635829926},{"word":"the","start":995.565,"end":995.725,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04983062297105789},{"word":"initial","start":995.725,"end":996.125,"confidence":1.0,"punctuated_word":"initial","sentiment":"neutral","sentiment_score":0.03271162509918213},{"word":"recommendation","start":996.125,"end":996.625,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.0909491926431656},{"word":"was","start":996.685,"end":997.005,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05331568419933319},{"word":"we","start":997.005,"end":997.085,"confidence":0.9790039,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05704185366630554},{"word":"were","start":997.085,"end":997.245,"confidence":0.9863281,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.033509254455566406},{"word":"gonna","start":997.245,"end":997.56,"confidence":1.0,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.04256623983383179},{"word":"start","start":997.64,"end":997.8,"confidence":0.9560547,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.03392123430967331},{"word":"by","start":997.8,"end":998.04,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.03591066598892212},{"word":"increasing","start":998.04,"end":998.52,"confidence":0.99609375,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.02991005033254623},{"word":"your","start":998.52,"end":998.68,"confidence":0.9160156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04376339912414551},{"word":"life","start":998.68,"end":998.84,"confidence":0.9873047,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.029635094106197357},{"word":"and","start":998.84,"end":999.08,"confidence":0.8598633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03783757984638214},{"word":"tpd","start":999.08,"end":999.56,"confidence":0.9433594,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.0332481823861599},{"word":"but","start":999.56,"end":999.72,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.032813627272844315},{"word":"we","start":999.72,"end":999.88,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.014756925404071808},{"word":"started","start":999.88,"end":1000.2,"confidence":0.86328125,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.011913366615772247},{"word":"this","start":1000.2,"end":1000.44,"confidence":0.99316406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.00006415694952011108},{"word":"call","start":1000.44,"end":1000.68,"confidence":0.96875,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.013513587415218352},{"word":"to","start":1000.68,"end":1000.84,"confidence":0.95947266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.003191538155078888},{"word":"sort","start":1000.84,"end":1001.08,"confidence":0.9873047,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.03770444542169571},{"word":"of","start":1001.08,"end":1001.16,"confidence":0.5522461,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02429504692554474},{"word":"hold","start":1001.16,"end":1001.4,"confidence":0.9980469,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.007368102669715881},{"word":"back","start":1001.4,"end":1001.64,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.007071897387504578},{"word":"on","start":1001.64,"end":1001.72,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0243704617023468},{"word":"the","start":1001.72,"end":1001.88,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02993669360876083},{"word":"life","start":1001.88,"end":1002.04,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.03656630963087082},{"word":"and","start":1002.04,"end":1002.2,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.037461794912815094},{"word":"tpd","start":1002.2,"end":1002.68,"confidence":0.85042316,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.03559326380491257},{"word":"keep","start":1002.68,"end":1002.92,"confidence":0.9863281,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.05894378572702408},{"word":"it","start":1002.92,"end":1003.08,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06818164139986038},{"word":"at","start":1003.08,"end":1003.24,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05846186727285385},{"word":"the","start":1003.24,"end":1003.32,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07484794408082962},{"word":"same","start":1003.32,"end":1003.56,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.12150268256664276},{"word":"level","start":1003.56,"end":1003.8,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.05858601629734039},{"word":"that","start":1003.8,"end":1003.96,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12972351908683777},{"word":"you","start":1003.96,"end":1004.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12661798298358917},{"word":"do","start":1004.2,"end":1004.36,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09017814695835114},{"word":"have","start":1004.36,"end":1004.86,"confidence":0.9025879,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.057814788073301315},{"word":"with","start":1005.32,"end":1005.56,"confidence":0.7060547,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.05688732489943504},{"word":"your","start":1005.56,"end":1005.8,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04183362051844597},{"word":"life","start":1005.8,"end":1006.04,"confidence":0.9951172,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.03560250625014305},{"word":"and","start":1006.04,"end":1006.27997,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03646919131278992},{"word":"total","start":1006.27997,"end":1006.68,"confidence":0.9892578,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.020872190594673157},{"word":"permanent","start":1006.68,"end":1007.18,"confidence":0.92578125,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":0.022070087492465973},{"word":"disability","start":1007.24,"end":1007.72,"confidence":0.93066406,"punctuated_word":"disability,","sentiment":"neutral","sentiment_score":0.03123404085636139},{"word":"you","start":1007.72,"end":1007.96,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05035815015435219},{"word":"currently","start":1007.96,"end":1008.36,"confidence":0.98095703,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.04228142276406288},{"word":"have","start":1008.36,"end":1008.68,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06265313923358917},{"word":"a","start":1008.68,"end":1008.84,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05142313241958618},{"word":"sum","start":1008.84,"end":1009.0,"confidence":0.7661133,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.06820422410964966},{"word":"insured","start":1009.0,"end":1009.4,"confidence":0.6948242,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":0.06539655476808548},{"word":"of","start":1009.4,"end":1009.56,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06632059067487717},{"word":"863,258","start":1009.56,"end":1013.02,"confidence":0.9995117,"punctuated_word":"863,258.","sentiment":"neutral","sentiment_score":0.07104112952947617},{"word":"you","start":1013.71497,"end":1014.115,"confidence":0.9760742,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.09388303756713869},{"word":"mentioned","start":1014.115,"end":1014.435,"confidence":0.97998047,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.1273232251405716},{"word":"that","start":1014.435,"end":1014.515,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1084926500916481},{"word":"you","start":1014.515,"end":1014.595,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1237332746386528},{"word":"were","start":1014.595,"end":1014.755,"confidence":0.53222656,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.10715857148170473},{"word":"comfortable","start":1014.755,"end":1015.15497,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.1144244223833084},{"word":"with","start":1015.15497,"end":1015.235,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14710986614227295},{"word":"me","start":1015.235,"end":1015.39496,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.16282755136489868},{"word":"just","start":1015.39496,"end":1015.635,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1460593342781067},{"word":"adding","start":1015.635,"end":1015.875,"confidence":1.0,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.1009894236922264},{"word":"that","start":1015.875,"end":1016.035,"confidence":0.8833008,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13846629858016968},{"word":"income","start":1016.035,"end":1016.355,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.04575736820697784},{"word":"protection","start":1016.355,"end":1016.83496,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.0906752198934555},{"word":"to","start":1016.83496,"end":1016.995,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1439332365989685},{"word":"show","start":1016.995,"end":1017.235,"confidence":0.99902344,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.16197070479393005},{"word":"you","start":1017.235,"end":1017.315,"confidence":0.9658203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1749434620141983},{"word":"what","start":1017.315,"end":1017.475,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.18330904841423035},{"word":"that","start":1017.475,"end":1017.635,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18865087628364563},{"word":"would","start":1017.635,"end":1017.795,"confidence":0.83935547,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.15140829980373385},{"word":"look","start":1017.795,"end":1018.035,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13711950182914734},{"word":"like","start":1018.035,"end":1018.195,"confidence":0.89819336,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.14097292721271515},{"word":"and","start":1018.195,"end":1018.355,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.117494598031044},{"word":"then","start":1018.355,"end":1018.515,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14541086554527283},{"word":"you","start":1018.515,"end":1018.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14321912825107574},{"word":"get","start":1018.675,"end":1018.83496,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.14359578490257263},{"word":"to","start":1018.83496,"end":1018.995,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0955011323094368},{"word":"go","start":1018.995,"end":1019.235,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09827131032943726},{"word":"back","start":1019.235,"end":1019.39496,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06821126490831375},{"word":"and","start":1019.39496,"end":1019.555,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.056844547390937805},{"word":"decide","start":1019.555,"end":1019.875,"confidence":0.99609375,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.03925198316574097},{"word":"whether","start":1019.875,"end":1020.195,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.00136517733335495},{"word":"you","start":1020.195,"end":1020.695,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0021547824144363403},{"word":"want","start":1020.915,"end":1021.15497,"confidence":0.95947266,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.021599002182483673},{"word":"the","start":1021.15497,"end":1021.39496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007055893540382385},{"word":"income","start":1021.39496,"end":1021.71497,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.006183318793773651},{"word":"protection","start":1021.71497,"end":1022.195,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.043645285069942474},{"word":"or","start":1022.195,"end":1022.435,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.00643756240606308},{"word":"not","start":1022.435,"end":1022.935,"confidence":0.98339844,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":0.002651393413543701},{"word":"based","start":1023.875,"end":1024.275,"confidence":0.9716797,"punctuated_word":"Based","sentiment":"neutral","sentiment_score":0.07493630051612854},{"word":"on","start":1024.275,"end":1024.775,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11593636125326157},{"word":"your","start":1024.835,"end":1025.155,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1109592542052269},{"word":"current","start":1025.155,"end":1025.635,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.10212994366884232},{"word":"income","start":1025.635,"end":1026.035,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.126262828707695},{"word":"at","start":1026.035,"end":1026.275,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08982764929533005},{"word":"a","start":1026.275,"end":1026.4349,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10791362822055817},{"word":"165,000","start":1026.4349,"end":1028.0549,"confidence":0.99912107,"punctuated_word":"165,000,","sentiment":"neutral","sentiment_score":0.08065730333328247},{"word":"it","start":1028.46,"end":1028.62,"confidence":0.96533203,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.07250716537237167},{"word":"means","start":1028.62,"end":1028.86,"confidence":0.99902344,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.12072887271642684},{"word":"we","start":1028.86,"end":1029.02,"confidence":0.9448242,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1501816362142563},{"word":"would","start":1029.02,"end":1029.26,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1546446532011032},{"word":"be","start":1029.26,"end":1029.4199,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17634139955043793},{"word":"adding","start":1029.4199,"end":1029.74,"confidence":1.0,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.20562268793582916},{"word":"income","start":1029.74,"end":1030.0599,"confidence":0.9892578,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1684689074754715},{"word":"protection","start":1030.0599,"end":1030.5399,"confidence":0.9970703,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.1306967735290527},{"word":"to","start":1030.5399,"end":1030.7,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16924506425857544},{"word":"give","start":1030.7,"end":1030.86,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.19433383643627167},{"word":"you","start":1030.86,"end":1031.02,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1914266496896744},{"word":"a","start":1031.02,"end":1031.1,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1758694350719452},{"word":"monthly","start":1031.1,"end":1031.58,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.21094641089439392},{"word":"benefit","start":1031.58,"end":1032.0599,"confidence":0.9921875,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.1885771006345749},{"word":"of","start":1032.0599,"end":1032.2999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18666836619377136},{"word":"9,625","start":1032.2999,"end":1034.64,"confidence":0.9993722,"punctuated_word":"9,625.","sentiment":"neutral","sentiment_score":0.15463875234127045},{"word":"we're","start":1034.86,"end":1035.1,"confidence":0.9609375,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.21391192078590393},{"word":"looking","start":1035.1,"end":1035.26,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.17367322742938995},{"word":"at","start":1035.26,"end":1035.4199,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20302504301071167},{"word":"a","start":1035.4199,"end":1035.58,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2132701426744461},{"word":"thirty","start":1035.58,"end":1035.98,"confidence":0.99902344,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.2222089171409607},{"word":"day","start":1035.98,"end":1036.22,"confidence":0.99902344,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.20922978222370148},{"word":"waiting","start":1036.22,"end":1036.5399,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.15393172204494476},{"word":"period","start":1036.5399,"end":1036.94,"confidence":0.7885742,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.1580847054719925},{"word":"so","start":1036.94,"end":1037.1,"confidence":0.9902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13707703351974487},{"word":"you","start":1037.1,"end":1037.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17365463078022003},{"word":"don't","start":1037.26,"end":1037.5,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.11881023645401},{"word":"have","start":1037.5,"end":1037.74,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10996099561452866},{"word":"to","start":1037.74,"end":1037.82,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0938316136598587},{"word":"be","start":1037.82,"end":1037.98,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05101204290986061},{"word":"off","start":1037.98,"end":1038.14,"confidence":0.97265625,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.013896144926548004},{"word":"work","start":1038.14,"end":1038.38,"confidence":0.9760742,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.01840955764055252},{"word":"for","start":1038.38,"end":1038.5399,"confidence":0.9038086,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.014747325330972672},{"word":"as","start":1038.5399,"end":1038.7,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06122656539082527},{"word":"long","start":1038.7,"end":1038.94,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.03127191215753555},{"word":"in","start":1038.94,"end":1039.1,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07005037367343903},{"word":"order","start":1039.1,"end":1039.34,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.056850336492061615},{"word":"to","start":1039.34,"end":1039.5,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10432355105876924},{"word":"claim","start":1039.5,"end":1039.82,"confidence":1.0,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.13955849409103394},{"word":"on","start":1039.82,"end":1039.98,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17208987474441528},{"word":"the","start":1039.98,"end":1040.14,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1480780839920044},{"word":"policy","start":1040.14,"end":1040.64,"confidence":0.98217773,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":0.13543486595153809},{"word":"but","start":1041.135,"end":1041.375,"confidence":0.9658203,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.18633800745010376},{"word":"last","start":1041.375,"end":1041.615,"confidence":0.9873047,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.26784446835517883},{"word":"time","start":1041.615,"end":1041.775,"confidence":0.99902344,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.34878072142601013},{"word":"we","start":1041.775,"end":1041.935,"confidence":0.99609375,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3715971112251282},{"word":"called","start":1041.935,"end":1042.175,"confidence":0.7475586,"punctuated_word":"called","sentiment":"positive","sentiment_score":0.41819095611572266},{"word":"up","start":1042.175,"end":1042.255,"confidence":0.9472656,"punctuated_word":"up,","sentiment":"positive","sentiment_score":0.4154360592365265},{"word":"you","start":1042.255,"end":1042.415,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.509672999382019},{"word":"were","start":1042.415,"end":1042.5751,"confidence":0.9838867,"punctuated_word":"were","sentiment":"positive","sentiment_score":0.5705541372299194},{"word":"happy","start":1042.5751,"end":1042.8151,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5589691400527954},{"word":"just","start":1042.8151,"end":1043.055,"confidence":0.5336914,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5955896377563477},{"word":"a","start":1043.055,"end":1043.135,"confidence":0.58691406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6136959791183472},{"word":"two","start":1043.135,"end":1043.375,"confidence":0.9951172,"punctuated_word":"two","sentiment":"positive","sentiment_score":0.4585047066211701},{"word":"year","start":1043.375,"end":1043.615,"confidence":1.0,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.5752657055854797},{"word":"benefit","start":1043.615,"end":1044.095,"confidence":0.99609375,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.5788010358810425},{"word":"knowing","start":1044.095,"end":1044.415,"confidence":0.82128906,"punctuated_word":"knowing","sentiment":"positive","sentiment_score":0.5774230360984802},{"word":"what","start":1044.415,"end":1044.5751,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4231054186820984},{"word":"you","start":1044.5751,"end":1044.735,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4592369496822357},{"word":"do","start":1044.735,"end":1044.895,"confidence":0.9980469,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4129868745803833},{"word":"for","start":1044.895,"end":1045.055,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5190343260765076},{"word":"work","start":1045.055,"end":1045.215,"confidence":1.0,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.3987523317337036},{"word":"and","start":1045.215,"end":1045.4551,"confidence":0.9838867,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4618969261646271},{"word":"mostly","start":1045.4551,"end":1045.935,"confidence":0.9604492,"punctuated_word":"mostly","sentiment":"positive","sentiment_score":0.4721890389919281},{"word":"administration","start":1045.935,"end":1046.435,"confidence":0.9812012,"punctuated_word":"administration.","sentiment":"positive","sentiment_score":0.46609753370285034},{"word":"you","start":1047.215,"end":1047.4551,"confidence":0.9165039,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.3991890251636505},{"word":"did","start":1047.4551,"end":1047.6951,"confidence":0.9165039,"punctuated_word":"did","sentiment":"positive","sentiment_score":0.4178953766822815},{"word":"kinda","start":1047.6951,"end":1047.935,"confidence":0.9111328,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.44824475049972534},{"word":"feel","start":1047.935,"end":1048.175,"confidence":0.9819336,"punctuated_word":"feel","sentiment":"positive","sentiment_score":0.4350778758525848},{"word":"that","start":1048.175,"end":1048.415,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5156965255737305},{"word":"was","start":1048.415,"end":1048.655,"confidence":0.9560547,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.47773849964141846},{"word":"fairly","start":1048.655,"end":1049.055,"confidence":0.9941406,"punctuated_word":"fairly","sentiment":"positive","sentiment_score":0.5032035112380981},{"word":"appropriate","start":1049.055,"end":1049.555,"confidence":0.9995117,"punctuated_word":"appropriate.","sentiment":"positive","sentiment_score":0.4152339100837707},{"word":"do","start":1049.615,"end":1049.775,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.22872167825698853},{"word":"you","start":1049.775,"end":1050.015,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.274624764919281},{"word":"still","start":1050.015,"end":1050.335,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.22367864847183228},{"word":"feel","start":1050.335,"end":1050.495,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.257776141166687},{"word":"like","start":1050.495,"end":1050.655,"confidence":0.7705078,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3476807177066803},{"word":"that","start":1050.655,"end":1050.895,"confidence":0.99609375,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3455609679222107},{"word":"benefit","start":1050.895,"end":1051.295,"confidence":0.9873047,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.2636522650718689},{"word":"period's","start":1051.295,"end":1051.775,"confidence":0.75927734,"punctuated_word":"period's","sentiment":"positive","sentiment_score":0.3793988823890686},{"word":"fairly","start":1051.775,"end":1052.175,"confidence":0.9951172,"punctuated_word":"fairly","sentiment":"positive","sentiment_score":0.34032052755355835},{"word":"appropriate","start":1052.175,"end":1052.675,"confidence":0.9980469,"punctuated_word":"appropriate?","sentiment":"neutral","sentiment_score":0.1915772259235382},{"word":"has","start":1052.735,"end":1052.975,"confidence":0.99902344,"punctuated_word":"Has","sentiment":"neutral","sentiment_score":0.03102133795619011},{"word":"anything","start":1052.975,"end":1053.375,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.0035817772150039673},{"word":"changed","start":1053.375,"end":1053.775,"confidence":0.99902344,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.021868258714675903},{"word":"in","start":1053.775,"end":1053.935,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.024306684732437137},{"word":"your","start":1053.935,"end":1054.095,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.00536617636680603},{"word":"mind","start":1054.095,"end":1054.335,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":-0.03512323275208473},{"word":"with","start":1054.335,"end":1054.53,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.021549221128225327},{"word":"regard","start":1054.61,"end":1054.81,"confidence":0.9921875,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":-0.06980651617050171},{"word":"to","start":1054.81,"end":1055.01,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0016155317425727844},{"word":"that","start":1055.01,"end":1055.51,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.017151348292827606},{"word":"that's","start":1059.65,"end":1060.15,"confidence":0.8201497,"punctuated_word":"That's,","sentiment":"neutral","sentiment_score":0.04946064203977585},{"word":"yeah","start":1060.37,"end":1060.61,"confidence":0.9975586,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.06534874439239502},{"word":"that's","start":1060.61,"end":1060.85,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06054205819964409},{"word":"how","start":1060.85,"end":1061.01,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.04217343032360077},{"word":"long","start":1061.01,"end":1061.25,"confidence":0.9980469,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.047613631933927536},{"word":"you","start":1061.25,"end":1061.41,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05155482143163681},{"word":"can","start":1061.41,"end":1061.65,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05577467381954193},{"word":"be","start":1061.65,"end":1061.81,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.003271760419011116},{"word":"on","start":1061.81,"end":1061.97,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.007409704849123955},{"word":"an","start":1061.97,"end":1062.13,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.006515847519040108},{"word":"income","start":1062.13,"end":1062.4501,"confidence":0.9902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.0055048465728759766},{"word":"protection","start":1062.4501,"end":1062.9501,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.003040395677089691},{"word":"claim","start":1063.01,"end":1063.41,"confidence":0.9921875,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.004740966483950615},{"word":"for","start":1063.41,"end":1063.89,"confidence":0.9794922,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":0.003112626262009144},{"word":"realistically","start":1063.89,"end":1064.39,"confidence":0.9983724,"punctuated_word":"Realistically,","sentiment":"neutral","sentiment_score":0.02263246662914753},{"word":"under","start":1065.41,"end":1065.81,"confidence":0.7607422,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.023164497688412663},{"word":"sort","start":1065.81,"end":1065.97,"confidence":0.7788086,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.01352309063076973},{"word":"of","start":1065.97,"end":1066.13,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02466895990073681},{"word":"the","start":1066.13,"end":1066.2101,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021708689630031586},{"word":"way","start":1066.2101,"end":1066.4501,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.031203068792819977},{"word":"it","start":1066.4501,"end":1066.53,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02928672358393669},{"word":"works","start":1066.53,"end":1066.93,"confidence":0.99853516,"punctuated_word":"works,","sentiment":"neutral","sentiment_score":0.03824997693300247},{"word":"most","start":1066.93,"end":1067.0901,"confidence":0.9980469,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.013749595731496813},{"word":"claims","start":1067.0901,"end":1067.5701,"confidence":0.9921875,"punctuated_word":"claims","sentiment":"neutral","sentiment_score":-0.01938564330339432},{"word":"are","start":1067.5701,"end":1067.73,"confidence":0.9921875,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.009754911065101624},{"word":"dealt","start":1067.73,"end":1067.97,"confidence":1.0,"punctuated_word":"dealt","sentiment":"neutral","sentiment_score":-0.03366387262940407},{"word":"with","start":1067.97,"end":1068.13,"confidence":0.96533203,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.011940967291593552},{"word":"within","start":1068.13,"end":1068.4501,"confidence":0.9951172,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.004267789423465729},{"word":"that","start":1068.4501,"end":1068.615,"confidence":0.94970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015920914709568024},{"word":"two","start":1068.615,"end":1068.855,"confidence":0.90625,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.020099878311157227},{"word":"year","start":1068.855,"end":1069.015,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.014839276671409609},{"word":"period","start":1069.015,"end":1069.495,"confidence":0.9885254,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.005710102617740631},{"word":"as","start":1069.495,"end":1069.655,"confidence":1.0,"punctuated_word":"As","sentiment":"neutral","sentiment_score":-0.013911928981542587},{"word":"you","start":1069.655,"end":1069.815,"confidence":0.91503906,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005934581160545349},{"word":"can","start":1069.815,"end":1069.975,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.006947103887796402},{"word":"imagine","start":1069.975,"end":1070.475,"confidence":0.99902344,"punctuated_word":"imagine,","sentiment":"neutral","sentiment_score":-0.018062686547636982},{"word":"insurers","start":1070.535,"end":1070.9349,"confidence":0.6870117,"punctuated_word":"insurers","sentiment":"neutral","sentiment_score":-0.05052722990512848},{"word":"don't","start":1070.9349,"end":1071.175,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07212179899215698},{"word":"really","start":1071.175,"end":1071.415,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.10714207589626312},{"word":"wanna","start":1071.415,"end":1071.655,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.10468780994415285},{"word":"be","start":1071.655,"end":1071.815,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09935030341148376},{"word":"paying","start":1071.815,"end":1072.135,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.10832687467336656},{"word":"claims","start":1072.135,"end":1072.455,"confidence":0.99609375,"punctuated_word":"claims","sentiment":"neutral","sentiment_score":-0.09939277917146684},{"word":"for","start":1072.455,"end":1072.5349,"confidence":0.96777344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09074193239212036},{"word":"a","start":1072.5349,"end":1072.615,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08167063444852829},{"word":"long","start":1072.615,"end":1072.855,"confidence":0.99316406,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.04921751841902733},{"word":"period","start":1072.855,"end":1073.175,"confidence":0.9980469,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.029817864298820496},{"word":"of","start":1073.175,"end":1073.255,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03921637311577797},{"word":"time","start":1073.255,"end":1073.575,"confidence":0.93603516,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.038144007325172424},{"word":"so","start":1073.575,"end":1074.0549,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.00015451014041900635},{"word":"when","start":1074.0549,"end":1074.295,"confidence":0.98828125,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.003865204751491546},{"word":"and","start":1074.295,"end":1074.455,"confidence":0.9604492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013130150735378264},{"word":"if","start":1074.455,"end":1074.615,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.016110897064208984},{"word":"you","start":1074.615,"end":1074.775,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014391645789146423},{"word":"are","start":1074.775,"end":1075.015,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.03286273032426834},{"word":"off","start":1075.015,"end":1075.175,"confidence":0.98828125,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.052121639251708984},{"word":"work","start":1075.175,"end":1075.415,"confidence":0.9916992,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.050813257694244385},{"word":"they're","start":1075.415,"end":1075.575,"confidence":0.9980469,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.048899587243795395},{"word":"gonna","start":1075.575,"end":1075.815,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.034878943115472794},{"word":"be","start":1075.815,"end":1075.975,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.005408279597759247},{"word":"trying","start":1075.975,"end":1076.135,"confidence":0.99609375,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.02492862194776535},{"word":"to","start":1076.135,"end":1076.295,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01484297215938568},{"word":"find","start":1076.295,"end":1076.535,"confidence":0.99902344,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.00015166401863098145},{"word":"ways","start":1076.535,"end":1076.775,"confidence":0.9970703,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":-0.011495217680931091},{"word":"for","start":1076.775,"end":1076.9349,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.030101947486400604},{"word":"you","start":1076.9349,"end":1077.095,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.014526128768920898},{"word":"to","start":1077.095,"end":1077.255,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.029111947864294052},{"word":"get","start":1077.255,"end":1077.415,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.004862658679485321},{"word":"back","start":1077.415,"end":1077.655,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.004923172295093536},{"word":"to","start":1077.655,"end":1077.895,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00527089461684227},{"word":"work","start":1077.895,"end":1078.395,"confidence":0.99853516,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.030035076662898064},{"word":"you","start":1078.775,"end":1078.9349,"confidence":0.77001953,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0829133614897728},{"word":"can","start":1078.9349,"end":1079.175,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10599444061517715},{"word":"also","start":1079.175,"end":1079.575,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.131629079580307},{"word":"have","start":1079.575,"end":1079.735,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17369626462459564},{"word":"a","start":1079.735,"end":1079.975,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16697582602500916},{"word":"five","start":1079.975,"end":1080.215,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.2008764445781708},{"word":"year","start":1080.215,"end":1080.535,"confidence":0.9970703,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1968671679496765},{"word":"benefit","start":1080.535,"end":1080.9349,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.1585589051246643},{"word":"period","start":1080.9349,"end":1081.255,"confidence":0.99609375,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.1990736424922943},{"word":"it","start":1081.255,"end":1081.415,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2265259027481079},{"word":"does","start":1081.415,"end":1081.655,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2307949811220169},{"word":"increase","start":1081.655,"end":1082.0549,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.2783336639404297},{"word":"the","start":1082.0549,"end":1082.215,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2834077775478363},{"word":"cost","start":1082.215,"end":1082.535,"confidence":0.9980469,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.3016274869441986},{"word":"of","start":1082.535,"end":1082.695,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27148541808128357},{"word":"the","start":1082.695,"end":1082.855,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2158772498369217},{"word":"cover","start":1082.855,"end":1083.355,"confidence":0.9091797,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.2375272810459137},{"word":"and","start":1083.69,"end":1083.85,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21093592047691345},{"word":"you","start":1083.85,"end":1083.9299,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2392175793647766},{"word":"can","start":1083.9299,"end":1084.1699,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2110750377178192},{"word":"have","start":1084.1699,"end":1084.33,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22264038026332855},{"word":"an","start":1084.33,"end":1084.49,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.19253073632717133},{"word":"age","start":1084.49,"end":1084.8099,"confidence":0.87890625,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.18369805812835693},{"word":"65","start":1084.8099,"end":1085.37,"confidence":0.99560547,"punctuated_word":"65","sentiment":"neutral","sentiment_score":0.21325820684432983},{"word":"benefit","start":1085.37,"end":1085.7699,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.15873995423316956},{"word":"period","start":1085.7699,"end":1086.09,"confidence":1.0,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.21275973320007324},{"word":"as","start":1086.09,"end":1086.33,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1990882307291031},{"word":"well","start":1086.33,"end":1086.57,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.17547394335269928},{"word":"so","start":1086.57,"end":1086.73,"confidence":0.9667969,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2511163651943207},{"word":"if","start":1086.73,"end":1086.97,"confidence":0.99902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.34855180978775024},{"word":"you","start":1086.97,"end":1087.13,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.350411981344223},{"word":"did","start":1087.13,"end":1087.2899,"confidence":0.64990234,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.30826282501220703},{"word":"wanna","start":1087.2899,"end":1087.61,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.3820248544216156},{"word":"look","start":1087.61,"end":1087.7699,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.3131462335586548},{"word":"at","start":1087.7699,"end":1087.9299,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.37541699409484863},{"word":"those","start":1087.9299,"end":1088.1699,"confidence":0.99902344,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3342810869216919},{"word":"additional","start":1088.1699,"end":1088.49,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.2907108664512634},{"word":"quotes","start":1088.49,"end":1088.8099,"confidence":0.9628906,"punctuated_word":"quotes,","sentiment":"neutral","sentiment_score":0.2865270972251892},{"word":"i'm","start":1088.8099,"end":1089.0499,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4747055172920227},{"word":"happy","start":1089.0499,"end":1089.2899,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4750193059444427},{"word":"to","start":1089.2899,"end":1089.45,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5039953589439392},{"word":"generate","start":1089.45,"end":1089.85,"confidence":1.0,"punctuated_word":"generate","sentiment":"positive","sentiment_score":0.44107818603515625},{"word":"them","start":1089.85,"end":1090.01,"confidence":0.98828125,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.47680509090423584},{"word":"for","start":1090.01,"end":1090.1699,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4468401372432709},{"word":"you","start":1090.1699,"end":1090.33,"confidence":0.9941406,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3786003589630127},{"word":"it's","start":1090.33,"end":1090.57,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.29646849632263184},{"word":"not","start":1090.57,"end":1090.73,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.3066376745700836},{"word":"a","start":1090.73,"end":1090.8099,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3094654977321625},{"word":"problem","start":1090.8099,"end":1091.3099,"confidence":0.98168945,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.356076717376709},{"word":"it's","start":1091.69,"end":1091.7699,"confidence":0.89575195,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.3580518364906311},{"word":"just","start":1091.7699,"end":1092.01,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.30918848514556885},{"word":"that","start":1092.01,"end":1092.1699,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2755970060825348},{"word":"when","start":1092.1699,"end":1092.33,"confidence":0.99609375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2795804440975189},{"word":"we","start":1092.33,"end":1092.57,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2856886684894562},{"word":"spoke","start":1092.57,"end":1092.8099,"confidence":0.99902344,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.22630779445171356},{"word":"last","start":1092.8099,"end":1093.0499,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.19554220139980316},{"word":"time","start":1093.0499,"end":1093.21,"confidence":0.97924805,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.25270870327949524},{"word":"you","start":1093.21,"end":1093.37,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3245873749256134},{"word":"were","start":1093.37,"end":1093.85,"confidence":0.8388672,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.2779165208339691},{"word":"okay","start":1093.85,"end":1094.09,"confidence":0.9970703,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.3083450496196747},{"word":"with","start":1094.09,"end":1094.25,"confidence":0.9980469,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.35295677185058594},{"word":"a","start":1094.25,"end":1094.4099,"confidence":0.87060547,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.36229968070983887},{"word":"two","start":1094.4099,"end":1094.57,"confidence":0.9970703,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.23789778351783752},{"word":"year","start":1094.57,"end":1094.8099,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.2968158423900604},{"word":"benefit","start":1094.8099,"end":1095.21,"confidence":0.9980469,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.316059410572052},{"word":"period","start":1095.21,"end":1095.5299,"confidence":0.99609375,"punctuated_word":"period","sentiment":"positive","sentiment_score":0.3761298656463623},{"word":"to","start":1095.5299,"end":1095.69,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3105660378932953},{"word":"try","start":1095.69,"end":1095.85,"confidence":0.9980469,"punctuated_word":"try","sentiment":"positive","sentiment_score":0.335045725107193},{"word":"and","start":1095.85,"end":1096.01,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30495405197143555},{"word":"keep","start":1096.01,"end":1096.1699,"confidence":0.8833008,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.3211005628108978},{"word":"the","start":1096.1699,"end":1096.33,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3096671998500824},{"word":"cost","start":1096.33,"end":1096.575,"confidence":0.9375,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.3082406222820282},{"word":"lower","start":1096.6549,"end":1097.0549,"confidence":0.9838867,"punctuated_word":"lower.","sentiment":"neutral","sentiment_score":0.2356872260570526},{"word":"we","start":1097.0549,"end":1097.2949,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.09417669475078584},{"word":"also","start":1097.2949,"end":1097.5349,"confidence":0.99609375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.10135239362716676},{"word":"talked","start":1097.5349,"end":1097.855,"confidence":0.9980469,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.05096966028213501},{"word":"about","start":1097.855,"end":1098.095,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07650791853666306},{"word":"the","start":1098.095,"end":1098.255,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.060788631439208984},{"word":"risk","start":1098.255,"end":1098.575,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.02194226905703545},{"word":"of","start":1098.575,"end":1098.815,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.022266454994678497},{"word":"something","start":1098.815,"end":1099.135,"confidence":0.83447266,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.042916882783174515},{"word":"happened","start":1099.135,"end":1099.5349,"confidence":0.8251953,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.03846628591418266},{"word":"being","start":1099.5349,"end":1099.7749,"confidence":0.8691406,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.00601089745759964},{"word":"an","start":1099.7749,"end":1099.9349,"confidence":0.8413086,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.05139943957328797},{"word":"admin","start":1099.9349,"end":1100.335,"confidence":0.9970703,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":-0.04591622203588486},{"word":"worth","start":1100.335,"end":1100.6549,"confidence":0.43432617,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.022161267697811127},{"word":"out","start":1100.6549,"end":1100.815,"confidence":0.47009277,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.00923413410782814},{"word":"same","start":1100.815,"end":1101.135,"confidence":0.87597656,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.029015839099884033},{"word":"as","start":1101.135,"end":1101.2949,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.01591896265745163},{"word":"me","start":1101.2949,"end":1101.695,"confidence":0.8659668,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.03639102727174759},{"word":"we","start":1101.695,"end":1101.9349,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0693875178694725},{"word":"can","start":1101.9349,"end":1102.1749,"confidence":0.9550781,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14336419105529785},{"word":"realistically","start":1102.1749,"end":1102.6549,"confidence":0.9941406,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":0.11544033885002136},{"word":"work","start":1102.6549,"end":1102.975,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.09977971762418748},{"word":"from","start":1102.975,"end":1103.215,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1172768697142601},{"word":"home","start":1103.215,"end":1103.5349,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.09089531749486925},{"word":"as","start":1103.5349,"end":1103.695,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11401133239269257},{"word":"well","start":1103.695,"end":1104.0149,"confidence":0.88842773,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.02968022972345352},{"word":"so","start":1104.0149,"end":1104.5149,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.007410582154989243},{"word":"the","start":1104.975,"end":1105.215,"confidence":0.76953125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014044072479009628},{"word":"risk","start":1105.215,"end":1105.455,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.03636913001537323},{"word":"of","start":1105.455,"end":1105.615,"confidence":0.9770508,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.04797378182411194},{"word":"you","start":1105.615,"end":1105.7749,"confidence":0.9770508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03789077326655388},{"word":"know","start":1105.7749,"end":1106.0149,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0434962585568428},{"word":"something","start":1106.0149,"end":1106.255,"confidence":0.98535156,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.0627460777759552},{"word":"happening","start":1106.255,"end":1106.6549,"confidence":0.97314453,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.09394237399101256},{"word":"to","start":1106.6549,"end":1106.735,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09915010631084442},{"word":"us","start":1106.735,"end":1106.975,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.06464671343564987},{"word":"would","start":1106.975,"end":1107.135,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.10309114307165146},{"word":"have","start":1107.135,"end":1107.2949,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11062166094779968},{"word":"to","start":1107.2949,"end":1107.375,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12874804437160492},{"word":"be","start":1107.375,"end":1107.615,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.14246217906475067},{"word":"pretty","start":1107.615,"end":1107.855,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.1356712281703949},{"word":"drastic","start":1107.855,"end":1108.255,"confidence":1.0,"punctuated_word":"drastic","sentiment":"neutral","sentiment_score":-0.11599501967430116},{"word":"to","start":1108.255,"end":1108.495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09295346587896348},{"word":"be","start":1108.495,"end":1108.575,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.039391204714775085},{"word":"able","start":1108.575,"end":1108.815,"confidence":0.9760742,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.017238881438970566},{"word":"to","start":1108.815,"end":1108.8949,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015770919620990753},{"word":"make","start":1108.8949,"end":1109.0549,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.004571452736854553},{"word":"that","start":1109.0549,"end":1109.2949,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.015028908848762512},{"word":"claim","start":1109.2949,"end":1109.615,"confidence":0.9980469,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.01192273199558258},{"word":"there","start":1109.615,"end":1109.855,"confidence":0.88671875,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.04669927433133125},{"word":"but","start":1109.855,"end":1110.18,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03306448459625244},{"word":"has","start":1110.3401,"end":1110.5801,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.05381619930267334},{"word":"anything","start":1110.5801,"end":1111.06,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.06326663494110107},{"word":"changed","start":1111.06,"end":1111.4601,"confidence":0.99902344,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.07923311740159988},{"word":"with","start":1111.4601,"end":1111.7001,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08010399341583252},{"word":"regard","start":1111.7001,"end":1112.1001,"confidence":0.9291992,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":-0.09496228396892548},{"word":"to","start":1112.1001,"end":1112.18,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07337889075279236},{"word":"that","start":1112.18,"end":1112.5,"confidence":0.9975586,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.07905203104019165},{"word":"do","start":1112.5,"end":1112.66,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.08654364198446274},{"word":"you","start":1112.66,"end":1112.7401,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07077251374721527},{"word":"sort","start":1112.7401,"end":1112.9,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.08570574223995209},{"word":"of","start":1112.9,"end":1113.06,"confidence":0.9165039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07645562291145325},{"word":"feel","start":1113.06,"end":1113.3,"confidence":0.99902344,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.08692613244056702},{"word":"that","start":1113.3,"end":1113.4601,"confidence":0.94970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08104483783245087},{"word":"that's","start":1113.4601,"end":1113.62,"confidence":0.75439453,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.052625011652708054},{"word":"fairly","start":1113.62,"end":1114.02,"confidence":0.97509766,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":-0.04410891234874725},{"word":"still","start":1114.02,"end":1114.26,"confidence":0.94970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.06905216723680496},{"word":"appropriate","start":1114.26,"end":1114.76,"confidence":0.84887695,"punctuated_word":"appropriate?","sentiment":"neutral","sentiment_score":-0.06496906280517578},{"word":"or","start":1114.8201,"end":1115.06,"confidence":1.0,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.05512267351150513},{"word":"that's","start":1119.2201,"end":1119.4601,"confidence":0.8066406,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.04214658960700035},{"word":"just","start":1119.4601,"end":1119.7001,"confidence":0.7104492,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04867394268512726},{"word":"yeah","start":1119.8601,"end":1120.3601,"confidence":0.8544922,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04782707244157791},{"word":"that","start":1120.5801,"end":1120.7401,"confidence":0.9453125,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.07988784462213516},{"word":"that's","start":1120.8201,"end":1121.3,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.21313786506652832},{"word":"okay","start":1121.3,"end":1121.8,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2621649205684662},{"word":"all","start":1121.8601,"end":1122.1001,"confidence":0.9951172,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.46070557832717896},{"word":"good","start":1122.1001,"end":1122.6001,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3415607810020447},{"word":"at","start":1123.245,"end":1123.3251,"confidence":0.97314453,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.05614420399069786},{"word":"the","start":1123.3251,"end":1123.485,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04783013463020325},{"word":"moment","start":1123.485,"end":1123.965,"confidence":0.99658203,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.05843083932995796},{"word":"the","start":1123.965,"end":1124.125,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04064645618200302},{"word":"total","start":1124.125,"end":1124.4451,"confidence":0.9970703,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.06282463669776917},{"word":"premium","start":1124.4451,"end":1124.925,"confidence":0.99902344,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.05213117599487305},{"word":"paid","start":1124.925,"end":1125.165,"confidence":0.9980469,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.04486645758152008},{"word":"out","start":1125.165,"end":1125.405,"confidence":0.9604492,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.06646497547626495},{"word":"of","start":1125.405,"end":1125.485,"confidence":0.5966797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04942268133163452},{"word":"super","start":1125.485,"end":1125.805,"confidence":0.5683594,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.10918349027633668},{"word":"four","start":1125.805,"end":1125.965,"confidence":0.4951172,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.06045759841799736},{"word":"year","start":1125.965,"end":1126.285,"confidence":0.81591797,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.08913086354732513},{"word":"policy","start":1126.285,"end":1126.785,"confidence":0.96118164,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.08198852837085724},{"word":"you","start":1127.3251,"end":1127.5651,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029958657920360565},{"word":"paid","start":1127.5651,"end":1127.805,"confidence":0.7294922,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.03673942759633064},{"word":"$431.83","start":1127.805,"end":1130.285,"confidence":0.9984375,"punctuated_word":"$431.83"},{"word":"for","start":1130.285,"end":1130.4451,"confidence":0.98095703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1393236219882965},{"word":"the","start":1130.4451,"end":1130.605,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1853879392147064},{"word":"year","start":1130.605,"end":1131.105,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.19847580790519712},{"word":"by","start":1131.3251,"end":1131.5651,"confidence":0.921875,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.13028386235237122},{"word":"adding","start":1131.5651,"end":1131.885,"confidence":1.0,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.21588453650474548},{"word":"the","start":1131.885,"end":1131.965,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21734340488910675},{"word":"income","start":1131.965,"end":1132.285,"confidence":0.98535156,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.23412413895130155},{"word":"protection","start":1132.285,"end":1132.765,"confidence":0.76538086,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.15728071331977844},{"word":"and","start":1132.765,"end":1132.925,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18764235079288483},{"word":"we're","start":1132.925,"end":1133.085,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.24950742721557617},{"word":"adding","start":1133.085,"end":1133.3251,"confidence":1.0,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.29039546847343445},{"word":"it","start":1133.3251,"end":1133.485,"confidence":0.9394531,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28837504982948303},{"word":"with","start":1133.485,"end":1133.645,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.30116912722587585},{"word":"metlife","start":1133.645,"end":1134.145,"confidence":0.99658203,"punctuated_word":"MetLife","sentiment":"neutral","sentiment_score":0.2700716257095337},{"word":"because","start":1134.205,"end":1134.605,"confidence":0.92089844,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.17239221930503845},{"word":"we're","start":1134.605,"end":1135.005,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2501147985458374},{"word":"attaching","start":1135.005,"end":1135.405,"confidence":0.9970703,"punctuated_word":"attaching","sentiment":"neutral","sentiment_score":0.28781867027282715},{"word":"it","start":1135.405,"end":1135.645,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.29954588413238525},{"word":"to","start":1135.645,"end":1135.805,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23416516184806824},{"word":"your","start":1135.805,"end":1135.965,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24629148840904236},{"word":"current","start":1135.965,"end":1136.285,"confidence":0.99609375,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.18256884813308716},{"word":"life","start":1136.285,"end":1136.525,"confidence":0.83203125,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.2733286917209625},{"word":"and","start":1136.525,"end":1136.685,"confidence":0.93115234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2395939826965332},{"word":"tpd","start":1136.685,"end":1137.185,"confidence":0.5551758,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":0.1916802078485489},{"word":"policy","start":1137.245,"end":1137.745,"confidence":0.9133301,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.2561175525188446},{"word":"which","start":1138.07,"end":1138.3099,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2742672860622406},{"word":"means","start":1138.3099,"end":1138.47,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.18973147869110107},{"word":"that","start":1138.47,"end":1138.63,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.26531943678855896},{"word":"we","start":1138.63,"end":1138.79,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3483932614326477},{"word":"do","start":1138.79,"end":1138.95,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.35489657521247864},{"word":"get","start":1138.95,"end":1139.19,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.42085811495780945},{"word":"a","start":1139.19,"end":1139.35,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3538167476654053},{"word":"discount","start":1139.35,"end":1139.67,"confidence":0.97021484,"punctuated_word":"discount.","sentiment":"neutral","sentiment_score":0.32048606872558594},{"word":"we","start":1139.67,"end":1139.75,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.30956870317459106},{"word":"get","start":1139.75,"end":1139.99,"confidence":0.9301758,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4031861126422882},{"word":"a","start":1139.99,"end":1140.07,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.366824746131897},{"word":"multi","start":1140.07,"end":1140.47,"confidence":0.7480469,"punctuated_word":"multi","sentiment":"positive","sentiment_score":0.380924940109253},{"word":"policy","start":1140.47,"end":1140.95,"confidence":0.99902344,"punctuated_word":"policy","sentiment":"positive","sentiment_score":0.3479526937007904},{"word":"discount","start":1140.95,"end":1141.35,"confidence":1.0,"punctuated_word":"discount","sentiment":"neutral","sentiment_score":0.2968570291996002},{"word":"for","start":1141.35,"end":1141.51,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3093321919441223},{"word":"linking","start":1141.51,"end":1141.83,"confidence":1.0,"punctuated_word":"linking","sentiment":"neutral","sentiment_score":0.31790947914123535},{"word":"them","start":1141.83,"end":1142.33,"confidence":0.77001953,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.250691682100296},{"word":"and","start":1142.55,"end":1142.79,"confidence":0.51464844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21599769592285156},{"word":"it","start":1142.79,"end":1142.95,"confidence":0.67529297,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2217244952917099},{"word":"essentially","start":1142.95,"end":1143.35,"confidence":0.84716797,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.15873245894908905},{"word":"means","start":1143.35,"end":1143.59,"confidence":0.9980469,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.08958747982978821},{"word":"that","start":1143.59,"end":1143.71,"confidence":0.6699219,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1352425515651703},{"word":"it","start":1143.71,"end":1143.83,"confidence":0.8730469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20390905439853668},{"word":"would","start":1143.83,"end":1144.07,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1964811533689499},{"word":"increase","start":1144.07,"end":1144.47,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.22282281517982483},{"word":"your","start":1144.47,"end":1144.79,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24779297411441803},{"word":"total","start":1144.79,"end":1145.19,"confidence":1.0,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.2687113285064697},{"word":"premium","start":1145.19,"end":1145.69,"confidence":1.0,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.23452550172805783},{"word":"to","start":1145.91,"end":1146.15,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2275410145521164},{"word":"$1,467.24","start":1146.15,"end":1149.69,"confidence":0.9993583,"punctuated_word":"$1,467.24.","sentiment":"neutral","sentiment_score":0.18902276456356049},{"word":"that","start":1149.83,"end":1149.99,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1271660476922989},{"word":"is","start":1149.99,"end":1150.15,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1045314371585846},{"word":"the","start":1150.15,"end":1150.3099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12816151976585388},{"word":"amount","start":1150.3099,"end":1150.63,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.1922074109315872},{"word":"that's","start":1150.63,"end":1150.95,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.16633683443069458},{"word":"taken","start":1150.95,"end":1151.27,"confidence":0.9980469,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":0.2012171447277069},{"word":"out","start":1151.27,"end":1151.4299,"confidence":0.99121094,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.22085900604724884},{"word":"of","start":1151.4299,"end":1151.59,"confidence":0.95703125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.180489718914032},{"word":"super","start":1151.59,"end":1151.99,"confidence":0.72265625,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.22558844089508057},{"word":"for","start":1151.99,"end":1152.15,"confidence":0.9770508,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20649811625480652},{"word":"that","start":1152.15,"end":1152.39,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1796760857105255},{"word":"for","start":1152.39,"end":1152.55,"confidence":0.64746094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15913982689380646},{"word":"the","start":1152.55,"end":1152.71,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14342989027500153},{"word":"year","start":1152.71,"end":1153.21,"confidence":0.98657227,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.17280913889408112},{"word":"you","start":1153.695,"end":1153.9349,"confidence":0.9819336,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.15234073996543884},{"word":"the","start":1154.095,"end":1154.255,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1795780509710312},{"word":"insurer","start":1154.255,"end":1154.735,"confidence":0.9770508,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":0.21331831812858584},{"word":"actually","start":1154.735,"end":1155.0549,"confidence":0.9873047,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.14779162406921387},{"word":"receives","start":1155.0549,"end":1155.455,"confidence":0.6801758,"punctuated_word":"receives","sentiment":"neutral","sentiment_score":0.16435663402080536},{"word":"the","start":1155.455,"end":1155.695,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1510501205921173},{"word":"$1,726.17","start":1155.695,"end":1159.235,"confidence":0.96537113,"punctuated_word":"$1,726.17.","sentiment":"neutral","sentiment_score":0.13045352697372437},{"word":"but","start":1159.455,"end":1159.695,"confidence":0.9482422,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.20087474584579468},{"word":"because","start":1159.695,"end":1160.015,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2540026903152466},{"word":"of","start":1160.015,"end":1160.1749,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2849103808403015},{"word":"the","start":1160.1749,"end":1160.335,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2672952711582184},{"word":"way","start":1160.335,"end":1160.735,"confidence":0.9980469,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.23494085669517517},{"word":"taxation","start":1160.735,"end":1161.235,"confidence":0.95703125,"punctuated_word":"taxation","sentiment":"neutral","sentiment_score":0.3153771758079529},{"word":"is","start":1161.375,"end":1161.5349,"confidence":0.97998047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22756005823612213},{"word":"in","start":1161.5349,"end":1161.695,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21789023280143735},{"word":"super","start":1161.695,"end":1162.015,"confidence":0.9260254,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.22756892442703247},{"word":"you","start":1162.015,"end":1162.255,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23231662809848783},{"word":"get","start":1162.255,"end":1162.4149,"confidence":0.99316406,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.29996028542518616},{"word":"a","start":1162.4149,"end":1162.575,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2456919252872467},{"word":"rebate","start":1162.575,"end":1163.075,"confidence":0.99902344,"punctuated_word":"rebate","sentiment":"neutral","sentiment_score":0.24915820360183716},{"word":"or","start":1163.135,"end":1163.2949,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.21595513820648193},{"word":"a","start":1163.2949,"end":1163.375,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2805362045764923},{"word":"bit","start":1163.375,"end":1163.5349,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.29232704639434814},{"word":"of","start":1163.5349,"end":1163.695,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29134732484817505},{"word":"a","start":1163.695,"end":1163.855,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25409072637557983},{"word":"discount","start":1163.855,"end":1164.335,"confidence":1.0,"punctuated_word":"discount","sentiment":"neutral","sentiment_score":0.16975022852420807},{"word":"for","start":1164.335,"end":1164.495,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19877737760543823},{"word":"the","start":1164.495,"end":1164.6549,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18229186534881592},{"word":"premium","start":1164.6549,"end":1165.0549,"confidence":0.99902344,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.2167804390192032},{"word":"when","start":1165.0549,"end":1165.215,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2640586793422699},{"word":"it","start":1165.215,"end":1165.375,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22532206773757937},{"word":"is","start":1165.375,"end":1165.5349,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19486159086227417},{"word":"taken","start":1165.5349,"end":1165.775,"confidence":0.99902344,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":0.22001667320728305},{"word":"out","start":1165.775,"end":1165.9349,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.22985711693763733},{"word":"of","start":1165.9349,"end":1166.095,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21840247511863708},{"word":"the","start":1166.095,"end":1166.255,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20719067752361295},{"word":"super","start":1166.255,"end":1166.575,"confidence":0.9892578,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2066686749458313},{"word":"system","start":1166.575,"end":1166.895,"confidence":0.8449707,"punctuated_word":"system.","sentiment":"neutral","sentiment_score":0.1987602710723877},{"word":"so","start":1166.895,"end":1167.0549,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.29696592688560486},{"word":"you","start":1167.0549,"end":1167.215,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3736507296562195},{"word":"actually","start":1167.215,"end":1167.615,"confidence":0.99316406,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.3786076307296753},{"word":"pay","start":1167.615,"end":1167.775,"confidence":1.0,"punctuated_word":"pay","sentiment":"positive","sentiment_score":0.38062846660614014},{"word":"a","start":1167.775,"end":1167.9349,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.45642125606536865},{"word":"little","start":1167.9349,"end":1168.095,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.3125413656234741},{"word":"bit","start":1168.095,"end":1168.335,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2770732343196869},{"word":"less","start":1168.335,"end":1168.575,"confidence":0.99316406,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.257424920797348},{"word":"to","start":1168.575,"end":1168.735,"confidence":0.63964844,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3668581545352936},{"word":"that","start":1168.735,"end":1169.01,"confidence":0.7663574,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.2295321822166443},{"word":"15%","start":1169.25,"end":1169.97,"confidence":0.9970703,"punctuated_word":"15%","sentiment":"positive","sentiment_score":0.40351545810699463},{"word":"less","start":1169.97,"end":1170.29,"confidence":0.9970703,"punctuated_word":"less","sentiment":"positive","sentiment_score":0.3395777642726898},{"word":"for","start":1170.29,"end":1170.53,"confidence":0.9790039,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4127448797225952},{"word":"the","start":1170.53,"end":1170.6901,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.402734100818634},{"word":"premium","start":1170.6901,"end":1171.01,"confidence":0.99316406,"punctuated_word":"premium","sentiment":"positive","sentiment_score":0.38314589858055115},{"word":"than","start":1171.01,"end":1171.25,"confidence":0.984375,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.46063247323036194},{"word":"what","start":1171.25,"end":1171.41,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4444517493247986},{"word":"the","start":1171.41,"end":1171.5701,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4329410791397095},{"word":"insurer","start":1171.5701,"end":1172.0701,"confidence":0.9941406,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":0.3205417990684509},{"word":"receives","start":1172.13,"end":1172.63,"confidence":0.95703125,"punctuated_word":"receives,","sentiment":"neutral","sentiment_score":0.31643545627593994},{"word":"which","start":1173.49,"end":1173.73,"confidence":0.9980469,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3580419719219208},{"word":"is","start":1173.73,"end":1173.81,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.561306357383728},{"word":"great","start":1173.81,"end":1174.13,"confidence":0.9995117,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6929103136062622},{"word":"it","start":1174.13,"end":1174.21,"confidence":0.9199219,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3943248391151428},{"word":"would","start":1174.21,"end":1174.37,"confidence":0.40576172,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.19520315527915957},{"word":"be","start":1174.37,"end":1174.45,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.29511353373527527},{"word":"great","start":1174.45,"end":1174.6901,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.4615793824195862},{"word":"if","start":1174.6901,"end":1174.85,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3485153615474701},{"word":"we","start":1174.85,"end":1174.93,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3997358083724976},{"word":"got","start":1174.93,"end":1175.09,"confidence":0.98828125,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.39173346757888794},{"word":"those","start":1175.09,"end":1175.33,"confidence":0.9980469,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.48997390270233154},{"word":"kinds","start":1175.33,"end":1175.49,"confidence":0.9741211,"punctuated_word":"kinds","sentiment":"neutral","sentiment_score":0.2943790555000305},{"word":"of","start":1175.49,"end":1175.65,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4541519582271576},{"word":"discounts","start":1175.65,"end":1176.05,"confidence":0.9941406,"punctuated_word":"discounts","sentiment":"neutral","sentiment_score":0.24213626980781555},{"word":"all","start":1176.05,"end":1176.21,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2552212178707123},{"word":"the","start":1176.21,"end":1176.29,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.33698591589927673},{"word":"time","start":1176.29,"end":1176.53,"confidence":0.99560547,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.16024580597877502},{"word":"unfortunately","start":1176.53,"end":1177.03,"confidence":0.9995117,"punctuated_word":"Unfortunately,","sentiment":"negative","sentiment_score":-0.4110044538974762},{"word":"it's","start":1177.09,"end":1177.25,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.44168373942375183},{"word":"just","start":1177.25,"end":1177.49,"confidence":1.0,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.4420281648635864},{"word":"the","start":1177.49,"end":1177.65,"confidence":0.63964844,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5374886989593506},{"word":"super","start":1177.65,"end":1178.15,"confidence":0.9819336,"punctuated_word":"super.","sentiment":"negative","sentiment_score":-0.3713761866092682},{"word":"so","start":1180.21,"end":1180.45,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.014159675687551498},{"word":"that's","start":1180.45,"end":1180.77,"confidence":0.96191406,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.008571101352572441},{"word":"just","start":1180.77,"end":1181.115,"confidence":0.4272461,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":-0.018590876832604408},{"word":"yeah","start":1181.355,"end":1181.595,"confidence":0.77001953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016719549894332886},{"word":"sure","start":1181.595,"end":1182.095,"confidence":0.99658203,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.036924488842487335},{"word":"mhmm","start":1192.235,"end":1192.5549,"confidence":0.9074707,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.021753856912255287},{"word":"a","start":1192.5549,"end":1192.635,"confidence":0.24108887,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.02115141414105892},{"word":"lice","start":1192.635,"end":1193.035,"confidence":0.3984375,"punctuated_word":"lice","sentiment":"neutral","sentiment_score":-0.022103210911154747},{"word":"ntbd","start":1193.035,"end":1193.535,"confidence":0.71329755,"punctuated_word":"NTBD.","sentiment":"neutral","sentiment_score":-0.024187318980693817},{"word":"yeah","start":1195.115,"end":1195.41,"confidence":0.8149414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.007332352921366692},{"word":"yeah","start":1195.9701,"end":1196.4701,"confidence":0.98291016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.008472712710499763},{"word":"that's","start":1199.0901,"end":1199.41,"confidence":0.9868164,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.028819307684898376},{"word":"how","start":1199.41,"end":1199.81,"confidence":0.80859375,"punctuated_word":"how,","sentiment":"neutral","sentiment_score":0.02661850117146969},{"word":"yeah","start":1199.81,"end":1200.13,"confidence":0.9980469,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.07154672592878342},{"word":"that's","start":1200.13,"end":1200.29,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.024744313210248947},{"word":"how","start":1200.29,"end":1200.4501,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.008137930184602737},{"word":"much","start":1200.4501,"end":1200.77,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.03420767933130264},{"word":"the","start":1200.77,"end":1201.01,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03527787700295448},{"word":"insurer","start":1201.01,"end":1201.49,"confidence":0.9970703,"punctuated_word":"insurer","sentiment":"neutral","sentiment_score":0.050348132848739624},{"word":"has","start":1201.49,"end":1201.81,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.045559197664260864},{"word":"received","start":1201.81,"end":1202.31,"confidence":0.9794922,"punctuated_word":"received.","sentiment":"neutral","sentiment_score":0.053884878754615784},{"word":"the","start":1202.6901,"end":1202.85,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04840589314699173},{"word":"amount","start":1202.85,"end":1203.0901,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.09722305834293364},{"word":"that's","start":1203.0901,"end":1203.41,"confidence":0.9946289,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08892670273780823},{"word":"come","start":1203.41,"end":1203.5701,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.10185129195451736},{"word":"out","start":1203.5701,"end":1203.81,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.08496899157762527},{"word":"of","start":1203.81,"end":1203.89,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06501427292823792},{"word":"super","start":1203.89,"end":1204.29,"confidence":0.6044922,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10989027470350266},{"word":"is","start":1204.29,"end":1204.4501,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0605233870446682},{"word":"the","start":1204.4501,"end":1204.61,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04948645830154419},{"word":"$4.31","start":1204.61,"end":1205.41,"confidence":0.9984131,"punctuated_word":"$4.31.","sentiment":"neutral","sentiment_score":0.05711826682090759},{"word":"you","start":1205.41,"end":1205.5701,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07899735867977142},{"word":"get","start":1205.5701,"end":1205.73,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12641410529613495},{"word":"a","start":1205.73,"end":1205.81,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09231260418891908},{"word":"15","start":1205.81,"end":1206.2101,"confidence":0.9980469,"punctuated_word":"15","sentiment":"neutral","sentiment_score":0.13924627006053925},{"word":"percent","start":1206.2101,"end":1206.61,"confidence":0.99902344,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.1544308364391327},{"word":"discount","start":1206.61,"end":1206.93,"confidence":1.0,"punctuated_word":"discount","sentiment":"neutral","sentiment_score":0.14247837662696838},{"word":"on","start":1206.93,"end":1207.0901,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19592663645744324},{"word":"that","start":1207.0901,"end":1207.3301,"confidence":0.79003906,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.107762448489666},{"word":"so","start":1207.3301,"end":1207.49,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09759341180324554},{"word":"you","start":1207.49,"end":1207.65,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.130506694316864},{"word":"pay","start":1207.65,"end":1207.81,"confidence":0.9941406,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.13421876728534698},{"word":"a","start":1207.81,"end":1207.89,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1724957376718521},{"word":"little","start":1207.89,"end":1208.13,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1458147168159485},{"word":"bit","start":1208.13,"end":1208.37,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12333660572767258},{"word":"less","start":1208.37,"end":1208.61,"confidence":0.9970703,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.1312461495399475},{"word":"for","start":1208.61,"end":1208.77,"confidence":0.9707031,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09577441960573196},{"word":"the","start":1208.77,"end":1208.93,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06699531525373459},{"word":"premium","start":1208.93,"end":1209.43,"confidence":0.8671875,"punctuated_word":"premium.","sentiment":"neutral","sentiment_score":0.08949826657772064},{"word":"and","start":1209.885,"end":1210.045,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04046596214175224},{"word":"then","start":1210.045,"end":1210.405,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03510184958577156},{"word":"if","start":1210.405,"end":1210.765,"confidence":0.9892578,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.014226703904569147},{"word":"you","start":1210.765,"end":1211.265,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009336113929748535},{"word":"yep","start":1212.125,"end":1212.625,"confidence":0.9482422,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.010653490200638773},{"word":"yep","start":1215.965,"end":1216.465,"confidence":0.95532227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.009227286092936993},{"word":"yep","start":1217.165,"end":1217.665,"confidence":0.97143555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.010273125022649763},{"word":"yep","start":1220.515,"end":1220.765,"confidence":0.9909668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01036409754306078},{"word":"yep","start":1220.765,"end":1221.265,"confidence":0.98535156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.012101709842681885},{"word":"correct","start":1225.085,"end":1225.53,"confidence":0.7570801,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.0263440553098917},{"word":"yep","start":1226.17,"end":1226.67,"confidence":0.6883545,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03107387386262417},{"word":"yep","start":1226.89,"end":1227.39,"confidence":0.93652344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05136808007955551},{"word":"yep","start":1227.4501,"end":1227.9501,"confidence":0.97021484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05547397583723068},{"word":"yeah","start":1231.6901,"end":1232.1901,"confidence":0.9428711,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05280166119337082},{"word":"yeah","start":1236.73,"end":1237.23,"confidence":0.9562988,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03260307013988495},{"word":"yeah","start":1237.85,"end":1238.35,"confidence":0.91015625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02082917653024197},{"word":"absolutely","start":1240.245,"end":1240.725,"confidence":0.8269043,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.048144079744815826},{"word":"in","start":1240.725,"end":1240.965,"confidence":0.99902344,"punctuated_word":"In","sentiment":"neutral","sentiment_score":-0.05255107954144478},{"word":"the","start":1240.965,"end":1241.205,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03797869384288788},{"word":"appendices","start":1241.205,"end":1241.685,"confidence":0.9655762,"punctuated_word":"appendices","sentiment":"neutral","sentiment_score":-0.026674136519432068},{"word":"that","start":1241.685,"end":1241.925,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02630888670682907},{"word":"we","start":1241.925,"end":1242.085,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.009533420205116272},{"word":"have","start":1242.085,"end":1242.325,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.008112553507089615},{"word":"attached","start":1242.325,"end":1242.825,"confidence":0.9316406,"punctuated_word":"attached,","sentiment":"neutral","sentiment_score":-0.006902235560119152},{"word":"as","start":1242.885,"end":1243.125,"confidence":0.7661133,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.00882808305323124},{"word":"i","start":1243.125,"end":1243.205,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0002791397273540497},{"word":"mentioned","start":1243.205,"end":1243.525,"confidence":0.99902344,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.015788258984684944},{"word":"last","start":1243.525,"end":1243.765,"confidence":0.9951172,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.007631128653883934},{"word":"time","start":1243.765,"end":1243.925,"confidence":0.9946289,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.014839215204119682},{"word":"i","start":1243.925,"end":1244.085,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02276354655623436},{"word":"also","start":1244.085,"end":1244.405,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.03696062043309212},{"word":"added","start":1244.405,"end":1244.725,"confidence":0.9941406,"punctuated_word":"added","sentiment":"neutral","sentiment_score":-0.01977318711578846},{"word":"the","start":1244.725,"end":1244.965,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03483034670352936},{"word":"alternative","start":1244.965,"end":1245.465,"confidence":0.99316406,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":-0.053816311061382294},{"word":"projection","start":1245.605,"end":1246.085,"confidence":0.9921875,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":-0.037979573011398315},{"word":"to","start":1246.085,"end":1246.245,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05311242491006851},{"word":"show","start":1246.245,"end":1246.745,"confidence":0.9375,"punctuated_word":"show,","sentiment":"neutral","sentiment_score":-0.061978526413440704},{"word":"obviously","start":1246.885,"end":1247.285,"confidence":0.99853516,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.058169517666101456},{"word":"the","start":1247.285,"end":1247.445,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0909031331539154},{"word":"projected","start":1247.445,"end":1247.925,"confidence":0.99902344,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":-0.07574710249900818},{"word":"outcome","start":1247.925,"end":1248.325,"confidence":1.0,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":-0.05236666277050972},{"word":"if","start":1248.325,"end":1248.405,"confidence":0.97314453,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.08560235798358917},{"word":"you","start":1248.405,"end":1248.5651,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06709818542003632},{"word":"decide","start":1248.5651,"end":1248.965,"confidence":0.98535156,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":-0.07780073583126068},{"word":"not","start":1248.965,"end":1249.205,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10470394790172576},{"word":"to","start":1249.205,"end":1249.285,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08958118408918381},{"word":"take","start":1249.285,"end":1249.445,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.143249049782753},{"word":"the","start":1249.445,"end":1249.685,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12888145446777344},{"word":"income","start":1249.685,"end":1250.005,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.18599319458007812},{"word":"protection","start":1250.005,"end":1250.485,"confidence":0.99609375,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.15410658717155457},{"word":"side","start":1250.485,"end":1250.645,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.09185539186000824},{"word":"of","start":1250.645,"end":1250.805,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06651370227336884},{"word":"things","start":1250.805,"end":1251.045,"confidence":0.704834,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.07242902368307114},{"word":"because","start":1251.045,"end":1251.285,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07037044316530228},{"word":"one","start":1251.285,"end":1251.445,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.1022053211927414},{"word":"of","start":1251.445,"end":1251.525,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07210389524698257},{"word":"the","start":1251.525,"end":1251.605,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09711775183677672},{"word":"things","start":1251.605,"end":1251.925,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.08986295759677887},{"word":"we","start":1251.925,"end":1252.085,"confidence":0.98535156,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.054330285638570786},{"word":"talked","start":1252.085,"end":1252.245,"confidence":0.98828125,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":-0.034805890172719955},{"word":"about","start":1252.245,"end":1252.485,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06780696660280228},{"word":"was","start":1252.485,"end":1252.645,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.1253006011247635},{"word":"whether","start":1252.645,"end":1252.885,"confidence":0.99902344,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.12851259112358093},{"word":"you","start":1252.885,"end":1252.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16290807723999023},{"word":"felt","start":1252.965,"end":1253.205,"confidence":1.0,"punctuated_word":"felt","sentiment":"neutral","sentiment_score":-0.18791358172893524},{"word":"like","start":1253.205,"end":1253.365,"confidence":0.9375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.18589837849140167},{"word":"you","start":1253.365,"end":1253.525,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1634836047887802},{"word":"needed","start":1253.525,"end":1253.845,"confidence":0.9980469,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":-0.19896838068962097},{"word":"income","start":1253.845,"end":1254.165,"confidence":0.99316406,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.21910017728805545},{"word":"protection","start":1254.165,"end":1254.665,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.12203940749168396},{"word":"at","start":1254.725,"end":1254.885,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1222982257604599},{"word":"the","start":1254.885,"end":1255.045,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1007022187113762},{"word":"time","start":1255.045,"end":1255.545,"confidence":0.9921875,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.07828767597675323},{"word":"with","start":1256.07,"end":1256.3099,"confidence":0.9472656,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.03295079618692398},{"word":"the","start":1256.3099,"end":1256.5499,"confidence":0.8076172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03353316709399223},{"word":"with","start":1256.5499,"end":1257.0499,"confidence":0.80322266,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02142076939344406},{"word":"the","start":1257.11,"end":1257.27,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024388857185840607},{"word":"ten","start":1257.27,"end":1257.51,"confidence":0.97998047,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.06409381330013275},{"word":"year","start":1257.51,"end":1257.75,"confidence":0.9970703,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.06222838908433914},{"word":"projection","start":1257.75,"end":1258.25,"confidence":0.99560547,"punctuated_word":"projection,","sentiment":"neutral","sentiment_score":0.049136772751808167},{"word":"obviously","start":1258.39,"end":1258.87,"confidence":0.9951172,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.04483591765165329},{"word":"it","start":1258.87,"end":1258.95,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04968976229429245},{"word":"shows","start":1258.95,"end":1259.35,"confidence":0.9838867,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.049410559237003326},{"word":"in","start":1259.35,"end":1259.51,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05721180886030197},{"word":"the","start":1259.51,"end":1259.6699,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07428771257400513},{"word":"soa","start":1259.6699,"end":1260.15,"confidence":0.9567871,"punctuated_word":"SOA","sentiment":"neutral","sentiment_score":0.053043343126773834},{"word":"there","start":1260.15,"end":1260.39,"confidence":0.9135742,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06911811232566833},{"word":"on","start":1260.39,"end":1260.5499,"confidence":0.9921875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06474461406469345},{"word":"page","start":1260.5499,"end":1260.87,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.0581895187497139},{"word":"18","start":1260.87,"end":1261.37,"confidence":0.99902344,"punctuated_word":"18","sentiment":"neutral","sentiment_score":0.09443533420562744},{"word":"that","start":1261.4299,"end":1261.9099,"confidence":0.9580078,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07174324244260788},{"word":"over","start":1261.9099,"end":1262.15,"confidence":0.96875,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.09083370119333269},{"word":"the","start":1262.15,"end":1262.3099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05764884501695633},{"word":"next","start":1262.3099,"end":1262.5499,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.053317513316869736},{"word":"ten","start":1262.5499,"end":1262.7899,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.06796703487634659},{"word":"years","start":1262.7899,"end":1263.0299,"confidence":0.8876953,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.07964415103197098},{"word":"given","start":1263.0299,"end":1263.35,"confidence":0.99902344,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.14554759860038757},{"word":"the","start":1263.35,"end":1263.4299,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09258216619491576},{"word":"current","start":1263.4299,"end":1263.75,"confidence":0.9902344,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.07297581434249878},{"word":"projection","start":1263.75,"end":1264.23,"confidence":0.9838867,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.06906729936599731},{"word":"table","start":1264.23,"end":1264.47,"confidence":0.9650879,"punctuated_word":"table,","sentiment":"neutral","sentiment_score":0.07664455473423004},{"word":"you","start":1264.47,"end":1264.63,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12014108151197432},{"word":"could","start":1264.63,"end":1264.87,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.09933826327323914},{"word":"end","start":1264.87,"end":1265.0299,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.10170425474643709},{"word":"up","start":1265.0299,"end":1265.19,"confidence":0.99121094,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0632832869887352},{"word":"with","start":1265.19,"end":1265.4299,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09255710244178772},{"word":"$3.71","start":1265.4299,"end":1266.65,"confidence":0.99609375,"punctuated_word":"$3.71","sentiment":"neutral","sentiment_score":0.08436691761016846},{"word":"in","start":1267.35,"end":1267.59,"confidence":0.96240234,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.091107577085495},{"word":"five","start":1267.59,"end":1267.83,"confidence":0.9980469,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.0894184559583664},{"word":"years'","start":1267.83,"end":1268.23,"confidence":0.8666992,"punctuated_word":"years'","sentiment":"neutral","sentiment_score":0.061935778707265854},{"word":"time","start":1268.23,"end":1268.47,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.09609312564134598},{"word":"or","start":1268.47,"end":1268.63,"confidence":0.94384766,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08572785556316376},{"word":"623,000","start":1268.63,"end":1270.335,"confidence":0.99454755,"punctuated_word":"623,000","sentiment":"neutral","sentiment_score":0.11012643575668336},{"word":"in","start":1270.335,"end":1270.5751,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09985468536615372},{"word":"ten","start":1270.5751,"end":1270.8151,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.06740543991327286},{"word":"years'","start":1270.8151,"end":1271.135,"confidence":0.9880371,"punctuated_word":"years'","sentiment":"neutral","sentiment_score":0.04407099634408951},{"word":"time","start":1271.135,"end":1271.635,"confidence":0.79345703,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.0656374916434288},{"word":"with","start":1271.855,"end":1272.095,"confidence":0.9316406,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.01916658878326416},{"word":"not","start":1272.095,"end":1272.415,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1048951894044876},{"word":"taking","start":1272.415,"end":1272.735,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.0827055424451828},{"word":"the","start":1272.735,"end":1272.895,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09287552535533904},{"word":"income","start":1272.895,"end":1273.215,"confidence":0.99609375,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.18719355762004852},{"word":"protection","start":1273.215,"end":1273.6951,"confidence":0.9526367,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":-0.12861256301403046},{"word":"if","start":1273.6951,"end":1273.775,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.13529306650161743},{"word":"you","start":1273.775,"end":1273.935,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11378239095211028},{"word":"decide","start":1273.935,"end":1274.335,"confidence":0.9819336,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":-0.09520269185304642},{"word":"you","start":1274.335,"end":1274.495,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12184056639671326},{"word":"don't","start":1274.495,"end":1274.735,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.14226306974887848},{"word":"need","start":1274.735,"end":1275.055,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.19804708659648895},{"word":"that","start":1275.055,"end":1275.135,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1977187693119049},{"word":"anymore","start":1275.135,"end":1275.635,"confidence":0.9904785,"punctuated_word":"anymore,","sentiment":"neutral","sentiment_score":-0.17660175263881683},{"word":"then","start":1276.255,"end":1276.495,"confidence":0.8125,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.07008013874292374},{"word":"obviously","start":1276.495,"end":1276.895,"confidence":0.9802246,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.0696067214012146},{"word":"the","start":1276.895,"end":1277.055,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06982635706663132},{"word":"projection","start":1277.055,"end":1277.535,"confidence":0.99316406,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":-0.07119666785001755},{"word":"is","start":1277.535,"end":1277.775,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07563202828168869},{"word":"increased","start":1277.775,"end":1278.255,"confidence":0.9980469,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":-0.03853268921375275},{"word":"by","start":1278.255,"end":1278.495,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.07152543216943741},{"word":"a","start":1278.495,"end":1278.5751,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06521002948284149},{"word":"difference","start":1278.5751,"end":1278.975,"confidence":0.9951172,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.09005333483219147},{"word":"of","start":1278.975,"end":1279.135,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07681767642498016},{"word":"about","start":1279.135,"end":1279.635,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0883779227733612},{"word":"14,398","start":1279.6951,"end":1282.175,"confidence":0.9773995,"punctuated_word":"14,398.","sentiment":"neutral","sentiment_score":-0.0589461661875248},{"word":"so","start":1282.175,"end":1282.415,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03981608897447586},{"word":"over","start":1282.415,"end":1282.655,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.06653144210577011},{"word":"the","start":1282.655,"end":1282.8151,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03122250735759735},{"word":"course","start":1282.8151,"end":1283.135,"confidence":0.99902344,"punctuated_word":"course","sentiment":"neutral","sentiment_score":0.03497259318828583},{"word":"of","start":1283.135,"end":1283.295,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03807345032691955},{"word":"ten","start":1283.295,"end":1283.535,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.04169134423136711},{"word":"years","start":1283.535,"end":1284.035,"confidence":0.99853516,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.014798182994127274},{"word":"we're","start":1284.25,"end":1284.57,"confidence":0.98339844,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.004455350339412689},{"word":"still","start":1284.57,"end":1284.8099,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.016085326671600342},{"word":"moving","start":1284.8099,"end":1285.13,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":-0.002383284270763397},{"word":"into","start":1285.13,"end":1285.37,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.009658202528953552},{"word":"the","start":1285.37,"end":1285.5299,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.030512161552906036},{"word":"newer","start":1285.5299,"end":1285.85,"confidence":0.9970703,"punctuated_word":"newer","sentiment":"neutral","sentiment_score":0.005425222218036652},{"word":"portfolio","start":1285.85,"end":1286.35,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.0007536336779594421},{"word":"and","start":1286.49,"end":1286.65,"confidence":0.7241211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.020669005811214447},{"word":"making","start":1286.65,"end":1286.97,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.04275534301996231},{"word":"the","start":1286.97,"end":1287.13,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.038936253637075424},{"word":"other","start":1287.13,"end":1287.2899,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.02731360495090485},{"word":"changes","start":1287.2899,"end":1287.7899,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.030385084450244904},{"word":"but","start":1287.85,"end":1288.09,"confidence":0.5649414,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.007262628525495529},{"word":"not","start":1288.09,"end":1288.25,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07812295854091644},{"word":"taking","start":1288.25,"end":1288.57,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.06934809684753418},{"word":"income","start":1288.57,"end":1288.97,"confidence":0.99121094,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.133379727602005},{"word":"protection","start":1288.97,"end":1289.47,"confidence":0.99658203,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":-0.0434848815202713},{"word":"the","start":1289.85,"end":1290.01,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0738123208284378},{"word":"ten","start":1290.01,"end":1290.1699,"confidence":0.9790039,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.10557179152965546},{"word":"year","start":1290.1699,"end":1290.4099,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.12866850197315216},{"word":"premium","start":1290.4099,"end":1290.8099,"confidence":1.0,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.08566638827323914},{"word":"projection","start":1290.8099,"end":1291.2899,"confidence":0.9892578,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.17250674962997437},{"word":"means","start":1291.2899,"end":1291.5299,"confidence":0.984375,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.0925031751394272},{"word":"you","start":1291.5299,"end":1291.69,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1540771126747131},{"word":"could","start":1291.69,"end":1291.85,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.11870425194501875},{"word":"end","start":1291.85,"end":1292.01,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.15448221564292908},{"word":"up","start":1292.01,"end":1292.09,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.09847214818000792},{"word":"with","start":1292.09,"end":1292.33,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14226120710372925},{"word":"about","start":1292.33,"end":1292.65,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11352800577878952},{"word":"637,000","start":1292.65,"end":1294.59,"confidence":0.9868164,"punctuated_word":"637,000.","sentiment":"neutral","sentiment_score":0.14838433265686035},{"word":"so","start":1294.65,"end":1294.97,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14068731665611267},{"word":"it's","start":1294.97,"end":1295.21,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1413019597530365},{"word":"a","start":1295.21,"end":1295.2899,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11525391042232512},{"word":"little","start":1295.2899,"end":1295.5299,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.09013087302446364},{"word":"over","start":1295.5299,"end":1295.9299,"confidence":0.9667969,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.12289369106292725},{"word":"$14,000","start":1295.9299,"end":1297.0499,"confidence":0.95910645,"punctuated_word":"$14,000","sentiment":"neutral","sentiment_score":0.0759657546877861},{"word":"difference","start":1297.0499,"end":1297.45,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.025255724787712097},{"word":"in","start":1297.45,"end":1297.5299,"confidence":0.9716797,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.032243512570858},{"word":"the","start":1297.5299,"end":1297.69,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06289900094270706},{"word":"ten","start":1297.69,"end":1297.9299,"confidence":0.9970703,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.08486611396074295},{"word":"year","start":1297.9299,"end":1298.1699,"confidence":0.99609375,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1112845167517662},{"word":"projected","start":1298.1699,"end":1298.65,"confidence":0.99902344,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.13131669163703918},{"word":"outcome","start":1298.65,"end":1299.15,"confidence":0.93481445,"punctuated_word":"outcome,","sentiment":"neutral","sentiment_score":0.0954970121383667},{"word":"but","start":1299.855,"end":1299.935,"confidence":0.9667969,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1278150975704193},{"word":"it","start":1299.935,"end":1300.095,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1093238815665245},{"word":"also","start":1300.095,"end":1300.415,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08554311841726303},{"word":"comes","start":1300.415,"end":1300.655,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.10441981256008148},{"word":"down","start":1300.655,"end":1300.895,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.14089153707027435},{"word":"to","start":1300.895,"end":1301.055,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10257620364427568},{"word":"your","start":1301.055,"end":1301.295,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11605463922023772},{"word":"comfort","start":1301.295,"end":1301.615,"confidence":1.0,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.0814879983663559},{"word":"level","start":1301.615,"end":1301.935,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.1033649891614914},{"word":"as","start":1301.935,"end":1302.095,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13915011286735535},{"word":"well","start":1302.095,"end":1302.495,"confidence":0.98535156,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1359785795211792},{"word":"so","start":1302.495,"end":1302.975,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24471059441566467},{"word":"you're","start":1302.975,"end":1303.215,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.30574846267700195},{"word":"welcome","start":1303.215,"end":1303.535,"confidence":1.0,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.4842900037765503},{"word":"to","start":1303.535,"end":1303.695,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4177279770374298},{"word":"run","start":1303.695,"end":1303.855,"confidence":1.0,"punctuated_word":"run","sentiment":"positive","sentiment_score":0.4792948365211487},{"word":"your","start":1303.855,"end":1304.095,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4358055293560028},{"word":"eyes","start":1304.095,"end":1304.255,"confidence":0.99316406,"punctuated_word":"eyes","sentiment":"positive","sentiment_score":0.42483651638031006},{"word":"over","start":1304.255,"end":1304.575,"confidence":0.9951172,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.511343240737915},{"word":"that","start":1304.575,"end":1304.735,"confidence":0.8984375,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.3823888897895813},{"word":"have","start":1304.735,"end":1304.855,"confidence":0.99902344,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.35376694798469543},{"word":"a","start":1304.855,"end":1304.975,"confidence":0.9921875,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3571023941040039},{"word":"think","start":1304.975,"end":1305.295,"confidence":0.9980469,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.36233532428741455},{"word":"about","start":1305.295,"end":1305.535,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.3858482241630554},{"word":"what","start":1305.535,"end":1305.695,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.49203813076019287},{"word":"your","start":1305.695,"end":1305.855,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.463288277387619},{"word":"goals","start":1305.855,"end":1306.175,"confidence":1.0,"punctuated_word":"goals","sentiment":"positive","sentiment_score":0.3583925664424896},{"word":"are","start":1306.175,"end":1306.255,"confidence":0.9980469,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3691115081310272},{"word":"and","start":1306.255,"end":1306.495,"confidence":0.97802734,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.37234610319137573},{"word":"what","start":1306.495,"end":1306.655,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3823082447052002},{"word":"your","start":1306.655,"end":1306.895,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34072422981262207},{"word":"level","start":1306.895,"end":1307.295,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.26913800835609436},{"word":"what","start":1307.375,"end":1307.615,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.36164236068725586},{"word":"your","start":1307.615,"end":1307.855,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32781603932380676},{"word":"comfort","start":1307.855,"end":1308.255,"confidence":1.0,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.21190491318702695},{"word":"level","start":1308.255,"end":1308.655,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.2185404896736145},{"word":"is","start":1308.655,"end":1309.155,"confidence":0.90966797,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.25644761323928833},{"word":"and","start":1309.535,"end":1309.695,"confidence":0.9482422,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.22228512167930603},{"word":"if","start":1309.695,"end":1309.855,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11725015938282012},{"word":"you","start":1309.855,"end":1310.015,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12008710205554962},{"word":"decide","start":1310.015,"end":1310.415,"confidence":0.9873047,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.07374127209186554},{"word":"you","start":1310.415,"end":1310.575,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0600031316280365},{"word":"don't","start":1310.575,"end":1310.815,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05953653156757355},{"word":"want","start":1310.815,"end":1311.135,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.10819298028945924},{"word":"the","start":1311.135,"end":1311.295,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1386900395154953},{"word":"income","start":1311.295,"end":1311.615,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.09694927930831908},{"word":"protection","start":1311.615,"end":1312.115,"confidence":0.9765625,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":-0.05625610053539276},{"word":"that's","start":1312.175,"end":1312.47,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.10925419628620148},{"word":"absolutely","start":1312.71,"end":1313.19,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.1816301941871643},{"word":"fine","start":1313.19,"end":1313.6699,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.09649938344955444},{"word":"on","start":1313.6699,"end":1313.83,"confidence":0.99902344,"punctuated_word":"On","sentiment":"neutral","sentiment_score":-0.007263720035552979},{"word":"the","start":1313.83,"end":1313.99,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003306083381175995},{"word":"very","start":1313.99,"end":1314.3099,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.04324191063642502},{"word":"last","start":1314.3099,"end":1314.63,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.04384951665997505},{"word":"page","start":1314.63,"end":1315.03,"confidence":0.9941406,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":-0.03159208595752716},{"word":"we've","start":1315.03,"end":1315.35,"confidence":0.94750977,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.003780902829021215},{"word":"got","start":1315.35,"end":1315.51,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.033813055604696274},{"word":"that","start":1315.51,"end":1315.6699,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02252074703574181},{"word":"little","start":1315.6699,"end":1316.1699,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.030533187091350555},{"word":"multiline","start":1316.3099,"end":1316.8099,"confidence":0.8881836,"punctuated_word":"multiline","sentiment":"neutral","sentiment_score":0.01544594019651413},{"word":"text","start":1317.19,"end":1317.51,"confidence":0.99121094,"punctuated_word":"text","sentiment":"neutral","sentiment_score":0.020614299923181537},{"word":"box","start":1317.51,"end":1317.83,"confidence":0.9116211,"punctuated_word":"box","sentiment":"neutral","sentiment_score":0.04139394313097},{"word":"for","start":1317.83,"end":1318.07,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.042705878615379333},{"word":"you","start":1318.07,"end":1318.3099,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.031617701053619385},{"word":"you","start":1318.3099,"end":1318.47,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.004277396947145462},{"word":"can","start":1318.47,"end":1318.71,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.035402387380599976},{"word":"just","start":1318.71,"end":1318.95,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.016664765775203705},{"word":"make","start":1318.95,"end":1319.11,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.005522243678569794},{"word":"a","start":1319.11,"end":1319.27,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0037892386317253113},{"word":"note","start":1319.27,"end":1319.59,"confidence":1.0,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.009954124689102173},{"word":"in","start":1319.59,"end":1319.75,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02596716582775116},{"word":"there","start":1319.75,"end":1319.99,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.013955943286418917},{"word":"that","start":1319.99,"end":1320.23,"confidence":0.96240234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.030854210257530212},{"word":"outlines","start":1320.23,"end":1320.71,"confidence":0.8745117,"punctuated_word":"outlines","sentiment":"neutral","sentiment_score":-0.0615953654050827},{"word":"what","start":1320.71,"end":1320.95,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.17894628643989563},{"word":"you","start":1320.95,"end":1321.19,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14813490211963654},{"word":"are","start":1321.19,"end":1321.35,"confidence":0.984375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.13542594015598297},{"word":"not","start":1321.35,"end":1321.51,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.16388371586799622},{"word":"wanting","start":1321.51,"end":1321.83,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.20396806299686432},{"word":"to","start":1321.83,"end":1321.99,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1294749081134796},{"word":"take","start":1321.99,"end":1322.15,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.17873084545135498},{"word":"on","start":1322.15,"end":1322.47,"confidence":0.6816406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.11694882810115814},{"word":"board","start":1322.47,"end":1322.71,"confidence":0.9941406,"punctuated_word":"board","sentiment":"neutral","sentiment_score":-0.08038593083620071},{"word":"as","start":1322.71,"end":1322.87,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.08708376437425613},{"word":"part","start":1322.87,"end":1323.03,"confidence":0.99316406,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.05217752605676651},{"word":"of","start":1323.03,"end":1323.19,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0006201118230819702},{"word":"the","start":1323.19,"end":1323.35,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02295529842376709},{"word":"recommendations","start":1323.35,"end":1323.85,"confidence":0.98291016,"punctuated_word":"recommendations.","sentiment":"neutral","sentiment_score":-0.01938840374350548},{"word":"okay","start":1324.47,"end":1324.97,"confidence":0.93896484,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.05351262167096138},{"word":"excellent","start":1327.19,"end":1327.69,"confidence":0.99853516,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5595975518226624},{"word":"essentially","start":1329.195,"end":1329.515,"confidence":0.92333984,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.2860282063484192},{"word":"keeping","start":1329.515,"end":1329.835,"confidence":0.9980469,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.3720646202564239},{"word":"it","start":1329.835,"end":1329.995,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3040717542171478},{"word":"with","start":1329.995,"end":1330.155,"confidence":0.99902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3630895018577576},{"word":"metlife","start":1330.155,"end":1330.655,"confidence":0.99853516,"punctuated_word":"MetLife","sentiment":"neutral","sentiment_score":0.328646183013916},{"word":"is","start":1330.715,"end":1330.955,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2681683897972107},{"word":"appropriate","start":1330.955,"end":1331.455,"confidence":1.0,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":0.2536698579788208},{"word":"because","start":1332.5549,"end":1332.955,"confidence":0.82128906,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.26422426104545593},{"word":"obviously","start":1332.955,"end":1333.195,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.2887026369571686},{"word":"you","start":1333.195,"end":1333.355,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2877906858921051},{"word":"get","start":1333.355,"end":1333.515,"confidence":0.9970703,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3517910838127136},{"word":"a","start":1333.515,"end":1333.595,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3136485815048218},{"word":"bit","start":1333.595,"end":1333.6749,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3386220335960388},{"word":"of","start":1333.6749,"end":1333.835,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3384591042995453},{"word":"a","start":1333.835,"end":1333.995,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32619091868400574},{"word":"discount","start":1333.995,"end":1334.315,"confidence":1.0,"punctuated_word":"discount","sentiment":"neutral","sentiment_score":0.3100059926509857},{"word":"when","start":1334.315,"end":1334.5549,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.32842129468917847},{"word":"you","start":1334.5549,"end":1334.875,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29405391216278076},{"word":"link","start":1334.875,"end":1335.115,"confidence":0.99609375,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.3265266716480255},{"word":"all","start":1335.115,"end":1335.275,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3833644390106201},{"word":"the","start":1335.275,"end":1335.4349,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31331685185432434},{"word":"policies","start":1335.4349,"end":1335.915,"confidence":0.99902344,"punctuated_word":"policies","sentiment":"positive","sentiment_score":0.3505457937717438},{"word":"together","start":1335.915,"end":1336.415,"confidence":1.0,"punctuated_word":"together.","sentiment":"positive","sentiment_score":0.3422854542732239},{"word":"metlife","start":1336.715,"end":1337.215,"confidence":0.99902344,"punctuated_word":"MetLife","sentiment":"neutral","sentiment_score":0.2598121762275696},{"word":"also","start":1337.355,"end":1337.6749,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2605840265750885},{"word":"has","start":1337.6749,"end":1337.915,"confidence":0.9921875,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2827996015548706},{"word":"some","start":1337.915,"end":1338.155,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2592337131500244},{"word":"additional","start":1338.155,"end":1338.635,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.2929522395133972},{"word":"other","start":1338.635,"end":1338.875,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.2459726929664612},{"word":"benefits","start":1338.875,"end":1339.355,"confidence":0.99902344,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":0.2953616976737976},{"word":"there","start":1339.355,"end":1339.515,"confidence":0.7536621,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.27993589639663696},{"word":"so","start":1339.515,"end":1339.6749,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2115062177181244},{"word":"i'm","start":1339.6749,"end":1339.755,"confidence":0.96850586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1763213872909546},{"word":"not","start":1339.755,"end":1339.995,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.10532015562057497},{"word":"really","start":1339.995,"end":1340.235,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.02981597930192947},{"word":"sure","start":1340.235,"end":1340.395,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.02677413821220398},{"word":"if","start":1340.395,"end":1340.5549,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14733180403709412},{"word":"you're","start":1340.5549,"end":1340.795,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09464389085769652},{"word":"aware","start":1340.795,"end":1341.115,"confidence":0.84375,"punctuated_word":"aware.","sentiment":"neutral","sentiment_score":0.1544305980205536},{"word":"but","start":1341.115,"end":1341.275,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.23651012778282168},{"word":"as","start":1341.275,"end":1341.515,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19339486956596377},{"word":"you","start":1341.515,"end":1341.78,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22820225358009336},{"word":"still","start":1341.86,"end":1342.02,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.23676854372024536},{"word":"you","start":1342.18,"end":1342.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28948214650154114},{"word":"do","start":1342.26,"end":1342.5801,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.25050824880599976},{"word":"have","start":1342.5801,"end":1342.9,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.28962644934654236},{"word":"life","start":1342.9,"end":1343.14,"confidence":0.9526367,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.2881190776824951},{"word":"and","start":1343.14,"end":1343.3,"confidence":0.8959961,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32880353927612305},{"word":"tbd","start":1343.3,"end":1343.8,"confidence":0.875,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.28227752447128296},{"word":"with","start":1343.86,"end":1344.1,"confidence":0.96435547,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.32686129212379456},{"word":"metlife","start":1344.1,"end":1344.6,"confidence":0.9220378,"punctuated_word":"MetLife.","sentiment":"neutral","sentiment_score":0.30189749598503113},{"word":"you","start":1345.06,"end":1345.38,"confidence":0.59814453,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.34386932849884033},{"word":"do","start":1345.38,"end":1345.62,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.37448227405548096},{"word":"have","start":1345.62,"end":1345.86,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.37355899810791016},{"word":"access","start":1345.86,"end":1346.18,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.32846686244010925},{"word":"to","start":1346.18,"end":1346.3401,"confidence":0.98535156,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.370910108089447},{"word":"the","start":1346.3401,"end":1346.5801,"confidence":0.98828125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4274275302886963},{"word":"metlife","start":1346.5801,"end":1346.98,"confidence":0.9995117,"punctuated_word":"MetLife","sentiment":"positive","sentiment_score":0.3579880893230438},{"word":"three","start":1346.98,"end":1347.3,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.3305758237838745},{"word":"sixty","start":1347.3,"end":1347.7001,"confidence":0.99902344,"punctuated_word":"sixty","sentiment":"positive","sentiment_score":0.43282973766326904},{"word":"health","start":1347.7001,"end":1348.2001,"confidence":0.78344727,"punctuated_word":"health.","sentiment":"positive","sentiment_score":0.3843078017234802},{"word":"that's","start":1348.26,"end":1348.5,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3713781237602234},{"word":"at","start":1348.5,"end":1348.66,"confidence":0.9941406,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4071528613567352},{"word":"no","start":1348.66,"end":1348.9,"confidence":1.0,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.3821679353713989},{"word":"additional","start":1348.9,"end":1349.3,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.3038198947906494},{"word":"cost","start":1349.3,"end":1349.54,"confidence":0.99609375,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.40912294387817383},{"word":"to","start":1349.54,"end":1349.7001,"confidence":0.9770508,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.431999534368515},{"word":"yourself","start":1349.7001,"end":1350.02,"confidence":0.96069336,"punctuated_word":"yourself,","sentiment":"positive","sentiment_score":0.46659421920776367},{"word":"and","start":1350.02,"end":1350.26,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4141069650650024},{"word":"it","start":1350.26,"end":1350.42,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4433233141899109},{"word":"provides","start":1350.42,"end":1350.9,"confidence":0.99902344,"punctuated_word":"provides","sentiment":"positive","sentiment_score":0.4268389344215393},{"word":"virtual","start":1350.9,"end":1351.22,"confidence":0.83984375,"punctuated_word":"virtual","sentiment":"positive","sentiment_score":0.4616743326187134},{"word":"access","start":1351.22,"end":1351.62,"confidence":1.0,"punctuated_word":"access","sentiment":"positive","sentiment_score":0.4285451471805573},{"word":"to","start":1351.62,"end":1351.78,"confidence":0.9902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5388872027397156},{"word":"a","start":1351.78,"end":1351.86,"confidence":0.8388672,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5085618495941162},{"word":"range","start":1351.86,"end":1352.18,"confidence":1.0,"punctuated_word":"range","sentiment":"positive","sentiment_score":0.5243821144104004},{"word":"of","start":1352.18,"end":1352.3401,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5495244860649109},{"word":"health","start":1352.3401,"end":1352.5801,"confidence":0.99902344,"punctuated_word":"health","sentiment":"positive","sentiment_score":0.4869472980499267},{"word":"and","start":1352.5801,"end":1352.74,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5990334749221802},{"word":"well-being","start":1352.74,"end":1353.24,"confidence":1.0,"punctuated_word":"well-being","sentiment":"positive","sentiment_score":0.47479403018951416},{"word":"services","start":1353.3,"end":1353.78,"confidence":1.0,"punctuated_word":"services","sentiment":"positive","sentiment_score":0.4946891963481903},{"word":"to","start":1353.78,"end":1353.9401,"confidence":0.7397461,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5625622272491455},{"word":"you","start":1353.9401,"end":1354.1,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5439335703849792},{"word":"and","start":1354.1,"end":1354.26,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5468916296958923},{"word":"your","start":1354.26,"end":1354.42,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.576616644859314},{"word":"family","start":1354.42,"end":1354.74,"confidence":1.0,"punctuated_word":"family","sentiment":"positive","sentiment_score":0.5786250829696655},{"word":"members","start":1354.74,"end":1355.24,"confidence":0.9995117,"punctuated_word":"members.","sentiment":"neutral","sentiment_score":0.0409463569521904},{"word":"these","start":1355.785,"end":1356.025,"confidence":0.8964844,"punctuated_word":"These","sentiment":"neutral","sentiment_score":0.15191957354545593},{"word":"include","start":1356.025,"end":1356.345,"confidence":0.97802734,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.13878566026687622},{"word":"things","start":1356.345,"end":1356.665,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.22817246615886688},{"word":"like","start":1356.665,"end":1356.825,"confidence":0.93603516,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.18656747043132785},{"word":"mental","start":1356.825,"end":1357.225,"confidence":0.99902344,"punctuated_word":"mental","sentiment":"neutral","sentiment_score":0.16602203249931335},{"word":"health","start":1357.225,"end":1357.465,"confidence":1.0,"punctuated_word":"health","sentiment":"neutral","sentiment_score":0.1749889999628067},{"word":"support","start":1357.465,"end":1357.9451,"confidence":0.99072266,"punctuated_word":"support,","sentiment":"neutral","sentiment_score":0.20340318977832791},{"word":"expert","start":1357.9451,"end":1358.425,"confidence":0.48486328,"punctuated_word":"expert","sentiment":"neutral","sentiment_score":0.16550040245056152},{"word":"medical","start":1358.425,"end":1358.905,"confidence":0.99609375,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":0.15147222578525543},{"word":"opinions","start":1358.905,"end":1359.405,"confidence":0.99365234,"punctuated_word":"opinions,","sentiment":"neutral","sentiment_score":0.16321039199829102},{"word":"nutrition","start":1359.465,"end":1359.965,"confidence":0.99853516,"punctuated_word":"nutrition,","sentiment":"neutral","sentiment_score":0.21249417960643768},{"word":"fitness","start":1360.025,"end":1360.505,"confidence":0.7878418,"punctuated_word":"fitness,","sentiment":"neutral","sentiment_score":0.20431309938430783},{"word":"and","start":1360.505,"end":1360.665,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1762571781873703},{"word":"mobility","start":1360.665,"end":1361.0651,"confidence":0.7001953,"punctuated_word":"mobility,","sentiment":"neutral","sentiment_score":0.2225050628185272},{"word":"and","start":1361.0651,"end":1361.305,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1948935240507126},{"word":"recovery","start":1361.305,"end":1361.805,"confidence":0.99902344,"punctuated_word":"recovery.","sentiment":"neutral","sentiment_score":0.2227662354707718},{"word":"if","start":1362.505,"end":1362.665,"confidence":0.9536133,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.3248966932296753},{"word":"you","start":1362.665,"end":1362.825,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28745636343955994},{"word":"have","start":1362.825,"end":1362.985,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.27947160601615906},{"word":"a","start":1362.985,"end":1363.0651,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2862440049648285},{"word":"look","start":1363.0651,"end":1363.305,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.19762273132801056},{"word":"in","start":1363.305,"end":1363.625,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29704007506370544},{"word":"the","start":1363.625,"end":1363.9451,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2768077850341797},{"word":"pdf","start":1363.9451,"end":1364.4451,"confidence":0.9448242,"punctuated_word":"PDF","sentiment":"neutral","sentiment_score":0.20188063383102417},{"word":"that","start":1364.505,"end":1364.665,"confidence":0.9707031,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20106792449951172},{"word":"i","start":1364.665,"end":1364.825,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20826727151870728},{"word":"have","start":1364.825,"end":1365.0651,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19138309359550476},{"word":"attached","start":1365.0651,"end":1365.465,"confidence":0.99609375,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.22109977900981903},{"word":"there","start":1365.465,"end":1365.625,"confidence":0.96875,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2200189977884293},{"word":"for","start":1365.625,"end":1365.785,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21406406164169312},{"word":"you","start":1365.785,"end":1365.9451,"confidence":0.954834,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.21868005394935608},{"word":"it","start":1365.9451,"end":1366.025,"confidence":0.9428711,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3273965120315552},{"word":"outlines","start":1366.025,"end":1366.505,"confidence":0.90234375,"punctuated_word":"outlines","sentiment":"neutral","sentiment_score":0.30041515827178955},{"word":"a","start":1366.505,"end":1366.585,"confidence":0.9941406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.34344884753227234},{"word":"bit","start":1366.585,"end":1366.745,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2936735451221466},{"word":"more","start":1366.745,"end":1366.905,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.28968873620033264},{"word":"about","start":1366.905,"end":1367.145,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.32361048460006714},{"word":"the","start":1367.145,"end":1367.305,"confidence":0.9951172,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4332921504974365},{"word":"metlife","start":1367.305,"end":1367.785,"confidence":0.99902344,"punctuated_word":"MetLife","sentiment":"neutral","sentiment_score":0.3065115511417389},{"word":"three","start":1367.785,"end":1368.025,"confidence":0.9980469,"punctuated_word":"three","sentiment":"positive","sentiment_score":0.3521116375923157},{"word":"sixty","start":1368.025,"end":1368.505,"confidence":0.9970703,"punctuated_word":"sixty","sentiment":"positive","sentiment_score":0.4081510305404663},{"word":"health","start":1368.505,"end":1368.825,"confidence":0.8959961,"punctuated_word":"health","sentiment":"positive","sentiment_score":0.37517842650413513},{"word":"platform","start":1368.825,"end":1369.305,"confidence":0.99902344,"punctuated_word":"platform","sentiment":"positive","sentiment_score":0.4587876498699188},{"word":"and","start":1369.305,"end":1369.465,"confidence":0.96240234,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.42474862933158875},{"word":"what","start":1369.465,"end":1369.705,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4564555287361145},{"word":"that","start":1369.705,"end":1370.025,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4279596209526062},{"word":"can","start":1370.025,"end":1370.345,"confidence":0.91503906,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4116673767566681},{"word":"help","start":1370.345,"end":1370.585,"confidence":0.97998047,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.4680520296096802},{"word":"you","start":1370.585,"end":1370.745,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4576019644737244},{"word":"with","start":1370.745,"end":1371.21,"confidence":0.9692383,"punctuated_word":"with.","sentiment":"positive","sentiment_score":0.3778858184814453},{"word":"and","start":1371.69,"end":1371.9299,"confidence":0.95166016,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.35872116684913635},{"word":"because","start":1371.9299,"end":1372.25,"confidence":0.9970703,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.360755980014801},{"word":"you've","start":1372.25,"end":1372.49,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.4814394116401672},{"word":"got","start":1372.49,"end":1372.6499,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.5109432339668274},{"word":"that","start":1372.6499,"end":1372.8099,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4968024492263794},{"word":"life","start":1372.8099,"end":1373.0499,"confidence":0.9111328,"punctuated_word":"life","sentiment":"positive","sentiment_score":0.45798593759536743},{"word":"and","start":1373.0499,"end":1373.21,"confidence":0.8618164,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.48926764726638794},{"word":"tpd","start":1373.21,"end":1373.69,"confidence":0.64331055,"punctuated_word":"TPD","sentiment":"positive","sentiment_score":0.3775383234024048},{"word":"with","start":1373.69,"end":1373.85,"confidence":0.99121094,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4853244125843048},{"word":"metlife","start":1373.85,"end":1374.33,"confidence":0.9946289,"punctuated_word":"MetLife,","sentiment":"positive","sentiment_score":0.4010899066925049},{"word":"even","start":1374.33,"end":1374.49,"confidence":1.0,"punctuated_word":"even","sentiment":"positive","sentiment_score":0.36575090885162354},{"word":"if","start":1374.49,"end":1374.6499,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3728190958499909},{"word":"you","start":1374.6499,"end":1374.8099,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3548698425292969},{"word":"don't","start":1374.8099,"end":1375.13,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.2929360270500183},{"word":"take","start":1375.13,"end":1375.37,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.2699424624443054},{"word":"the","start":1375.37,"end":1375.5299,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3119611442089081},{"word":"income","start":1375.5299,"end":1375.85,"confidence":0.9941406,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.2428280413150787},{"word":"protection","start":1375.85,"end":1376.33,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.24296362698078156},{"word":"side","start":1376.33,"end":1376.57,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.31231921911239624},{"word":"of","start":1376.57,"end":1376.6499,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3778292238712311},{"word":"things","start":1376.6499,"end":1376.97,"confidence":0.9975586,"punctuated_word":"things,","sentiment":"positive","sentiment_score":0.39364802837371826},{"word":"you","start":1376.97,"end":1377.13,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5369365215301514},{"word":"still","start":1377.13,"end":1377.37,"confidence":0.8520508,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.45529505610466},{"word":"got","start":1377.37,"end":1377.69,"confidence":0.99121094,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4781061112880707},{"word":"access","start":1377.69,"end":1378.09,"confidence":1.0,"punctuated_word":"access","sentiment":"positive","sentiment_score":0.5289672017097473},{"word":"to","start":1378.09,"end":1378.25,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5625415444374084},{"word":"that","start":1378.25,"end":1378.49,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4944612681865692},{"word":"benefit","start":1378.49,"end":1378.99,"confidence":0.9760742,"punctuated_word":"benefit.","sentiment":"positive","sentiment_score":0.395338773727417},{"word":"so","start":1379.13,"end":1379.61,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.298783540725708},{"word":"have","start":1379.61,"end":1379.77,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26632124185562134},{"word":"a","start":1379.77,"end":1379.85,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31514304876327515},{"word":"look","start":1379.85,"end":1380.01,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2700105905532837},{"word":"in","start":1380.01,"end":1380.1699,"confidence":0.97509766,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3646760284900666},{"word":"the","start":1380.1699,"end":1380.33,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3249489367008209},{"word":"pdf","start":1380.33,"end":1380.8099,"confidence":0.9482422,"punctuated_word":"PDF","sentiment":"neutral","sentiment_score":0.26698192954063416},{"word":"there","start":1380.8099,"end":1380.97,"confidence":0.95703125,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2520585358142853},{"word":"as","start":1380.97,"end":1381.13,"confidence":0.99316406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2439192831516266},{"word":"to","start":1381.13,"end":1381.37,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.247948095202446},{"word":"what","start":1381.37,"end":1381.5299,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.279150128364563},{"word":"kind","start":1381.5299,"end":1381.69,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2793813645839691},{"word":"of","start":1381.69,"end":1381.85,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3079342544078827},{"word":"benefits","start":1381.85,"end":1382.33,"confidence":0.9941406,"punctuated_word":"benefits","sentiment":"positive","sentiment_score":0.3495648503303528},{"word":"that","start":1382.33,"end":1382.49,"confidence":0.55859375,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.40104416012763977},{"word":"they","start":1382.49,"end":1382.73,"confidence":1.0,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.4311075806617737},{"word":"offer","start":1382.73,"end":1383.23,"confidence":0.99609375,"punctuated_word":"offer.","sentiment":"positive","sentiment_score":0.3815789222717285},{"word":"you","start":1383.525,"end":1383.685,"confidence":0.50683594,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4218409955501557},{"word":"might","start":1383.685,"end":1383.8451,"confidence":1.0,"punctuated_word":"might","sentiment":"positive","sentiment_score":0.414610743522644},{"word":"be","start":1383.8451,"end":1383.925,"confidence":0.9951172,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.49205482006073},{"word":"able","start":1383.925,"end":1384.165,"confidence":0.9980469,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.4737036228179931},{"word":"to","start":1384.165,"end":1384.245,"confidence":0.99316406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4243559241294861},{"word":"get","start":1384.245,"end":1384.405,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4272677004337311},{"word":"some","start":1384.405,"end":1384.5651,"confidence":0.99609375,"punctuated_word":"some,","sentiment":"positive","sentiment_score":0.41210898756980896},{"word":"you","start":1384.5651,"end":1384.645,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33376890420913696},{"word":"know","start":1384.645,"end":1384.805,"confidence":1.0,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.3878533244132995},{"word":"free","start":1384.805,"end":1385.125,"confidence":0.9980469,"punctuated_word":"free","sentiment":"positive","sentiment_score":0.4612343907356262},{"word":"nutritional","start":1385.125,"end":1385.625,"confidence":0.93408203,"punctuated_word":"nutritional","sentiment":"positive","sentiment_score":0.4373597204685211},{"word":"fitness","start":1385.8451,"end":1386.3251,"confidence":0.89746094,"punctuated_word":"fitness","sentiment":"neutral","sentiment_score":0.2878861427307129},{"word":"mobility","start":1386.3251,"end":1386.8251,"confidence":0.8388672,"punctuated_word":"mobility,","sentiment":"positive","sentiment_score":0.41807764768600464},{"word":"you","start":1387.525,"end":1387.605,"confidence":0.9140625,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3574238419532776},{"word":"know","start":1387.605,"end":1387.925,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.356824666261673},{"word":"clinical","start":1387.925,"end":1388.425,"confidence":0.99902344,"punctuated_word":"clinical","sentiment":"neutral","sentiment_score":0.32576462626457214},{"word":"support","start":1388.5651,"end":1389.0651,"confidence":1.0,"punctuated_word":"support","sentiment":"neutral","sentiment_score":0.3177140951156616},{"word":"from","start":1389.605,"end":1389.8451,"confidence":0.9550781,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.4198024868965149},{"word":"doctors","start":1389.8451,"end":1390.245,"confidence":0.99902344,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":0.27774515748023987},{"word":"and","start":1390.245,"end":1390.405,"confidence":0.9863281,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4083663821220398},{"word":"things","start":1390.405,"end":1390.725,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.3114332854747772},{"word":"like","start":1390.725,"end":1390.885,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2845847010612488},{"word":"that","start":1390.885,"end":1391.125,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.38580289483070374},{"word":"as","start":1391.125,"end":1391.285,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.37033501267433167},{"word":"well","start":1391.285,"end":1391.785,"confidence":1.0,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.35011929273605347},{"word":"okay","start":1391.8451,"end":1392.3451,"confidence":0.9094238,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.2528095543384552},{"word":"yeah","start":1395.365,"end":1395.765,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4531831443309784},{"word":"excellent","start":1395.765,"end":1396.265,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6531810164451599},{"word":"if","start":1397.045,"end":1397.285,"confidence":0.9819336,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.19614115357398987},{"word":"you","start":1397.285,"end":1397.525,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06250327825546265},{"word":"scroll","start":1397.525,"end":1397.925,"confidence":0.99902344,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.11776182055473328},{"word":"down","start":1397.925,"end":1398.245,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.12821224331855774},{"word":"a","start":1398.245,"end":1398.3251,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0702214166522026},{"word":"little","start":1398.3251,"end":1398.5651,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.025504380464553833},{"word":"bit","start":1398.5651,"end":1398.805,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.031420253217220306},{"word":"further","start":1398.805,"end":1399.26,"confidence":0.99902344,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.07430389523506165},{"word":"for","start":1399.26,"end":1399.5,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.057649124413728714},{"word":"me","start":1399.5,"end":1399.74,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07646284997463226},{"word":"just","start":1399.74,"end":1400.22,"confidence":0.8491211,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08176591992378235},{"word":"to","start":1400.22,"end":1400.72,"confidence":0.7963867,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.07685241103172302},{"word":"sorry","start":1400.78,"end":1401.28,"confidence":0.9980469,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.011926792562007904},{"word":"page","start":1401.34,"end":1401.8201,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.04955059662461281},{"word":"number","start":1401.8201,"end":1402.3201,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.08210782706737518},{"word":"30","start":1403.8201,"end":1404.3201,"confidence":0.8659668,"punctuated_word":"30,","sentiment":"neutral","sentiment_score":0.07423634082078934},{"word":"this","start":1404.46,"end":1404.7,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0582556389272213},{"word":"is","start":1404.7,"end":1404.9401,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02738376706838608},{"word":"essentially","start":1404.9401,"end":1405.42,"confidence":0.98291016,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.019860493019223213},{"word":"going","start":1405.42,"end":1405.74,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.04974547401070595},{"word":"through","start":1405.74,"end":1406.22,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05718950182199478},{"word":"the","start":1406.22,"end":1406.38,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04630382731556893},{"word":"next","start":1406.38,"end":1406.78,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.06025274097919464},{"word":"part","start":1406.78,"end":1406.9401,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.08894012868404388},{"word":"of","start":1406.9401,"end":1407.1,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0600612610578537},{"word":"the","start":1407.1,"end":1407.26,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.052439019083976746},{"word":"recommendations","start":1407.26,"end":1407.76,"confidence":0.9980469,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.008573263883590698},{"word":"with","start":1408.14,"end":1408.38,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0036223605275154114},{"word":"the","start":1408.38,"end":1408.54,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017597690224647522},{"word":"insurances","start":1408.54,"end":1409.04,"confidence":0.99039716,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.0024276587646454573},{"word":"so","start":1409.42,"end":1409.9,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.021571580320596695},{"word":"the","start":1409.9,"end":1409.98,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.026572449132800106},{"word":"other","start":1409.98,"end":1410.22,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.06391908973455429},{"word":"side","start":1410.22,"end":1410.46,"confidence":0.9941406,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.03344617411494255},{"word":"of","start":1410.46,"end":1410.54,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02749350108206272},{"word":"it","start":1410.54,"end":1410.7,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04322922602295875},{"word":"was","start":1410.7,"end":1410.9401,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06515543907880783},{"word":"looking","start":1410.9401,"end":1411.18,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.040608786046504974},{"word":"at","start":1411.18,"end":1411.42,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06837540864944458},{"word":"trauma","start":1411.42,"end":1411.8201,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.07463793456554413},{"word":"for","start":1411.8201,"end":1411.98,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.089606374502182},{"word":"yourself","start":1411.98,"end":1412.46,"confidence":0.99902344,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":-0.05955267325043678},{"word":"and","start":1412.46,"end":1412.7,"confidence":0.9291992,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0800471380352974},{"word":"then","start":1412.7,"end":1412.9401,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.03700283169746399},{"word":"child","start":1412.9401,"end":1413.26,"confidence":0.9970703,"punctuated_word":"child","sentiment":"neutral","sentiment_score":-0.07786731421947479},{"word":"trauma","start":1413.26,"end":1413.74,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.06291129440069199},{"word":"for","start":1413.74,"end":1413.9,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07232795655727386},{"word":"the","start":1413.9,"end":1414.06,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06707710772752762},{"word":"two","start":1414.06,"end":1414.3,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.08499940484762192},{"word":"kids","start":1414.3,"end":1414.8,"confidence":0.7507324,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":-0.05688779428601265},{"word":"looking","start":1415.745,"end":1416.0651,"confidence":0.97802734,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.030380703508853912},{"word":"at","start":1416.0651,"end":1416.5651,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.034510593861341476},{"word":"around","start":1416.7051,"end":1416.9451,"confidence":0.90625,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.014459535479545592},{"word":"about","start":1416.9451,"end":1417.185,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.03193258121609688},{"word":"a","start":1417.185,"end":1417.345,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.044362712651491165},{"word":"120,000","start":1417.345,"end":1418.385,"confidence":0.9995117,"punctuated_word":"120,000","sentiment":"neutral","sentiment_score":-0.07401648163795471},{"word":"of","start":1418.385,"end":1418.545,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06534874439239502},{"word":"trauma","start":1418.545,"end":1418.9451,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.08657090365886688},{"word":"for","start":1418.9451,"end":1419.105,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.11497904360294342},{"word":"yourself","start":1419.105,"end":1419.505,"confidence":0.9790039,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":-0.09057405591011047},{"word":"paid","start":1419.505,"end":1419.745,"confidence":0.9326172,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.07686648517847061},{"word":"out","start":1419.745,"end":1419.905,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0510517954826355},{"word":"of","start":1419.905,"end":1420.0651,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1174316480755806},{"word":"pocket","start":1420.0651,"end":1420.385,"confidence":0.8276367,"punctuated_word":"pocket,","sentiment":"neutral","sentiment_score":-0.07413648068904877},{"word":"and","start":1420.385,"end":1420.545,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.045599326491355896},{"word":"then","start":1420.545,"end":1420.7051,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.008711352944374084},{"word":"making","start":1420.7051,"end":1421.025,"confidence":0.9980469,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.05537263303995133},{"word":"sure","start":1421.025,"end":1421.185,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.04942196607589722},{"word":"that","start":1421.185,"end":1421.425,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03141859918832779},{"word":"the","start":1421.425,"end":1421.505,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07246272265911102},{"word":"kids","start":1421.505,"end":1421.8251,"confidence":1.0,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.05362490564584732},{"word":"had","start":1421.8251,"end":1422.0651,"confidence":0.94628906,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.03644620627164841},{"word":"a","start":1422.0651,"end":1422.225,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04361542314291},{"word":"100,000","start":1422.225,"end":1422.9451,"confidence":1.0,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":-0.022176794707775116},{"word":"of","start":1422.9451,"end":1423.105,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.021763242781162265},{"word":"child","start":1423.105,"end":1423.425,"confidence":0.99609375,"punctuated_word":"child","sentiment":"neutral","sentiment_score":-0.04448369890451431},{"word":"trauma","start":1423.425,"end":1423.925,"confidence":0.99902344,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.04451686888933182},{"word":"age","start":1423.985,"end":1424.305,"confidence":0.31640625,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.0333251953125},{"word":"as","start":1424.305,"end":1424.385,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.015285298228263857},{"word":"well","start":1424.385,"end":1424.885,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.020159460604190823},{"word":"to","start":1425.025,"end":1425.185,"confidence":0.9760742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02434929460287094},{"word":"make","start":1425.185,"end":1425.345,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.03913702070713043},{"word":"sure","start":1425.345,"end":1425.5851,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.047143206000328064},{"word":"that","start":1425.5851,"end":1425.745,"confidence":0.7709961,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03011111170053482},{"word":"they","start":1425.745,"end":1425.905,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.05641116946935654},{"word":"were","start":1425.905,"end":1426.405,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.04540666192770004},{"word":"covered","start":1426.545,"end":1427.045,"confidence":0.94506836,"punctuated_word":"covered.","sentiment":"neutral","sentiment_score":-0.030667677521705627},{"word":"i","start":1427.6699,"end":1427.9099,"confidence":0.9790039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.010513335466384888},{"word":"did","start":1427.9099,"end":1428.23,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.012510627508163452},{"word":"review","start":1428.23,"end":1428.73,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.02738969773054123},{"word":"the","start":1428.7899,"end":1428.95,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04052596539258957},{"word":"last","start":1428.95,"end":1429.2699,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.02748526632785797},{"word":"recommendation","start":1429.2699,"end":1429.7699,"confidence":0.99902344,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":-0.03899643570184707},{"word":"with","start":1430.23,"end":1430.71,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.028964757919311523},{"word":"the","start":1430.71,"end":1430.95,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01779945194721222},{"word":"newer","start":1430.95,"end":1431.45,"confidence":0.9970703,"punctuated_word":"newer","sentiment":"neutral","sentiment_score":-0.018706565722823143},{"word":"policies","start":1431.6699,"end":1432.1699,"confidence":0.99316406,"punctuated_word":"policies.","sentiment":"neutral","sentiment_score":-0.010686524212360382},{"word":"i'm","start":1432.5499,"end":1432.71,"confidence":0.98950195,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09298808872699738},{"word":"still","start":1432.71,"end":1432.95,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.121499165892601},{"word":"recommending","start":1432.95,"end":1433.45,"confidence":1.0,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.11149464547634123},{"word":"clearview","start":1433.6699,"end":1434.1699,"confidence":0.79296875,"punctuated_word":"Clearview","sentiment":"neutral","sentiment_score":0.06818465888500214},{"word":"for","start":1434.23,"end":1434.3899,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06517622619867325},{"word":"that","start":1434.3899,"end":1434.87,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.059440575540065765},{"word":"solely","start":1434.87,"end":1435.35,"confidence":0.82128906,"punctuated_word":"solely","sentiment":"neutral","sentiment_score":0.08920523524284363},{"word":"because","start":1435.35,"end":1435.85,"confidence":0.9902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1703505963087082},{"word":"clearview","start":1435.9099,"end":1436.3899,"confidence":0.9995117,"punctuated_word":"Clearview","sentiment":"neutral","sentiment_score":0.20749136805534363},{"word":"is","start":1436.3899,"end":1436.5499,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3067539930343628},{"word":"still","start":1436.5499,"end":1437.0499,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2262616753578186},{"word":"a","start":1437.19,"end":1437.35,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2715507745742798},{"word":"really","start":1437.35,"end":1437.59,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.32053038477897644},{"word":"good","start":1437.59,"end":1437.83,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.22640901803970337},{"word":"policy","start":1437.83,"end":1438.33,"confidence":0.99316406,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.27197545766830444},{"word":"provider","start":1438.3899,"end":1438.8899,"confidence":0.9980469,"punctuated_word":"provider.","sentiment":"neutral","sentiment_score":0.1926417052745819},{"word":"metlife","start":1439.0299,"end":1439.5099,"confidence":0.9970703,"punctuated_word":"MetLife","sentiment":"neutral","sentiment_score":-0.1890791058540344},{"word":"don't","start":1439.5099,"end":1439.75,"confidence":0.9885254,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.22298996150493625},{"word":"offer","start":1439.75,"end":1440.07,"confidence":0.99609375,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":-0.3168330788612366},{"word":"child","start":1440.07,"end":1440.3899,"confidence":0.98828125,"punctuated_word":"child","sentiment":"neutral","sentiment_score":-0.21471315622329712},{"word":"trauma","start":1440.3899,"end":1440.87,"confidence":0.9951172,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.2491903007030487},{"word":"policies","start":1440.87,"end":1441.35,"confidence":0.97558594,"punctuated_word":"policies.","sentiment":"neutral","sentiment_score":-0.2662962079048157},{"word":"they","start":1441.35,"end":1441.59,"confidence":0.9873047,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.19357000291347504},{"word":"have","start":1441.59,"end":1441.75,"confidence":0.9602051,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.11802445352077484},{"word":"like","start":1441.75,"end":1441.9099,"confidence":0.9941406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.11138296127319336},{"word":"an","start":1441.9099,"end":1442.235,"confidence":0.7084961,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.09755030274391174},{"word":"optional","start":1442.315,"end":1442.715,"confidence":0.9951172,"punctuated_word":"optional","sentiment":"neutral","sentiment_score":-0.06087597459554672},{"word":"extras","start":1442.715,"end":1442.955,"confidence":0.6767578,"punctuated_word":"extras","sentiment":"neutral","sentiment_score":-0.08514859527349472},{"word":"policy","start":1442.955,"end":1443.455,"confidence":0.96362305,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":-0.13380372524261477},{"word":"but","start":1444.075,"end":1444.235,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1014380306005478},{"word":"it's","start":1444.235,"end":1444.475,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.17744800448417664},{"word":"not","start":1444.475,"end":1444.635,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.16709211468696594},{"word":"child","start":1444.635,"end":1444.955,"confidence":0.99902344,"punctuated_word":"child","sentiment":"neutral","sentiment_score":-0.16780881583690643},{"word":"trauma","start":1444.955,"end":1445.4349,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.15646986663341522},{"word":"as","start":1445.4349,"end":1445.6749,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.18337544798851013},{"word":"such","start":1445.6749,"end":1446.075,"confidence":0.94091797,"punctuated_word":"such.","sentiment":"neutral","sentiment_score":-0.20789270102977753},{"word":"so","start":1446.075,"end":1446.235,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.20120880007743835},{"word":"we","start":1446.235,"end":1446.395,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.21500086784362793},{"word":"did","start":1446.395,"end":1446.5549,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.19040021300315857},{"word":"have","start":1446.5549,"end":1446.715,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1548599898815155},{"word":"to","start":1446.715,"end":1446.875,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2169870138168335},{"word":"look","start":1446.875,"end":1447.115,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.22800292074680328},{"word":"elsewhere","start":1447.115,"end":1447.595,"confidence":1.0,"punctuated_word":"elsewhere","sentiment":"neutral","sentiment_score":-0.24396200478076935},{"word":"to","start":1447.595,"end":1447.6749,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16675564646720886},{"word":"make","start":1447.6749,"end":1447.915,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.16057616472244263},{"word":"sure","start":1447.915,"end":1448.075,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.12345924228429794},{"word":"that","start":1448.075,"end":1448.235,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11724131554365158},{"word":"you","start":1448.235,"end":1448.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11287184059619904},{"word":"could","start":1448.395,"end":1448.5549,"confidence":0.984375,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.14919324219226837},{"word":"have","start":1448.5549,"end":1448.795,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.10939748585224152},{"word":"those","start":1448.795,"end":1449.115,"confidence":0.98828125,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.11500003933906557},{"word":"set","start":1449.115,"end":1449.355,"confidence":0.9790039,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.0948631465435028},{"word":"policies","start":1449.355,"end":1449.855,"confidence":0.9211426,"punctuated_word":"policies.","sentiment":"neutral","sentiment_score":-0.12009644508361816},{"word":"for","start":1450.635,"end":1450.955,"confidence":0.9970703,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.01697421818971634},{"word":"oliver","start":1450.955,"end":1451.355,"confidence":0.9980469,"punctuated_word":"Oliver","sentiment":"neutral","sentiment_score":-0.005230717360973358},{"word":"and","start":1451.355,"end":1451.515,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.010429665446281431},{"word":"parker","start":1451.515,"end":1452.015,"confidence":0.9814453,"punctuated_word":"Parker,","sentiment":"neutral","sentiment_score":0.0007372181862592697},{"word":"we're","start":1453.595,"end":1453.835,"confidence":0.99609375,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.005708286073058844},{"word":"looking","start":1453.835,"end":1454.235,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.01449405774474144},{"word":"at","start":1454.235,"end":1454.67,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.00404767319560051},{"word":"the","start":1454.91,"end":1455.15,"confidence":0.95703125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006373558193445206},{"word":"same","start":1455.15,"end":1455.31,"confidence":0.99121094,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.02912786230444908},{"word":"as","start":1455.31,"end":1455.55,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06427373737096786},{"word":"last","start":1455.55,"end":1455.63,"confidence":0.98828125,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.05552874132990837},{"word":"time","start":1455.63,"end":1455.87,"confidence":0.6647949,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.03896089643239975},{"word":"i","start":1455.87,"end":1455.9501,"confidence":0.9453125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12017033994197844},{"word":"am","start":1455.9501,"end":1456.11,"confidence":0.96240234,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.1445551961660385},{"word":"also","start":1456.11,"end":1456.43,"confidence":0.9921875,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11054039746522903},{"word":"recommending","start":1456.43,"end":1456.91,"confidence":0.9980469,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.1601604521274567},{"word":"that","start":1456.91,"end":1457.0701,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15620441734790802},{"word":"we","start":1457.0701,"end":1457.2301,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1574353575706482},{"word":"add","start":1457.2301,"end":1457.3501,"confidence":0.99316406,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.16787287592887878},{"word":"a","start":1457.3501,"end":1457.4701,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13989830017089844},{"word":"little","start":1457.4701,"end":1457.79,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.16145576536655426},{"word":"bit","start":1457.79,"end":1457.87,"confidence":0.9819336,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1386623978614807},{"word":"of","start":1457.87,"end":1457.9501,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10737694799900056},{"word":"life","start":1457.9501,"end":1458.1901,"confidence":0.8774414,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.0499737411737442},{"word":"cover","start":1458.1901,"end":1458.43,"confidence":0.9370117,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.12845638394355774},{"word":"to","start":1458.43,"end":1458.5901,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1464797854423523},{"word":"the","start":1458.5901,"end":1458.75,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14175112545490265},{"word":"trauma","start":1458.75,"end":1459.15,"confidence":0.99902344,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.06036745011806488},{"word":"policy","start":1459.15,"end":1459.65,"confidence":0.9091797,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":0.15293000638484955},{"word":"essentially","start":1459.79,"end":1460.27,"confidence":0.9970703,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.27162477374076843},{"word":"it","start":1460.27,"end":1460.51,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.34495410323143005},{"word":"does","start":1460.51,"end":1460.75,"confidence":1.0,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.3902823328971863},{"word":"work","start":1460.75,"end":1460.99,"confidence":0.9980469,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.427389532327652},{"word":"out","start":1460.99,"end":1461.15,"confidence":0.9970703,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4252990484237671},{"word":"a","start":1461.15,"end":1461.31,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35344329476356506},{"word":"lot","start":1461.31,"end":1461.55,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.3380604386329651},{"word":"cheaper","start":1461.55,"end":1461.87,"confidence":0.9970703,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.32835742831230164},{"word":"to","start":1461.87,"end":1462.03,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3588714003562927},{"word":"link","start":1462.03,"end":1462.27,"confidence":1.0,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.29446765780448914},{"word":"the","start":1462.27,"end":1462.43,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26157909631729126},{"word":"policies","start":1462.43,"end":1462.91,"confidence":0.99902344,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.20155993103981015},{"word":"together","start":1462.91,"end":1463.31,"confidence":0.98706055,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.29617106914520264},{"word":"you","start":1463.31,"end":1463.4701,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.26570671796798706},{"word":"get","start":1463.4701,"end":1463.63,"confidence":0.9951172,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.30969327688217163},{"word":"that","start":1463.63,"end":1463.87,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3268612325191498},{"word":"multi","start":1463.87,"end":1464.27,"confidence":0.82958984,"punctuated_word":"multi","sentiment":"positive","sentiment_score":0.33621537685394287},{"word":"policy","start":1464.27,"end":1464.77,"confidence":0.9980469,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.28015539050102234},{"word":"discount","start":1464.8301,"end":1465.31,"confidence":0.9902344,"punctuated_word":"discount","sentiment":"neutral","sentiment_score":0.289382666349411},{"word":"side","start":1465.31,"end":1465.4701,"confidence":0.9892578,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.297484815120697},{"word":"of","start":1465.4701,"end":1465.63,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.33133575320243835},{"word":"things","start":1465.63,"end":1466.13,"confidence":0.9812012,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.2565605044364929},{"word":"so","start":1467.0701,"end":1467.39,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2080107033252716},{"word":"by","start":1467.39,"end":1467.63,"confidence":0.9951172,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.1995100975036621},{"word":"linking","start":1467.63,"end":1468.13,"confidence":0.9980469,"punctuated_word":"linking","sentiment":"neutral","sentiment_score":0.21695715188980105},{"word":"the","start":1468.27,"end":1468.665,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18846607208251953},{"word":"trauma","start":1468.8251,"end":1469.305,"confidence":0.99609375,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.1187833696603775},{"word":"and","start":1469.305,"end":1469.805,"confidence":0.96972656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2270149737596512},{"word":"the","start":1470.505,"end":1470.745,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24718454480171204},{"word":"the","start":1470.745,"end":1470.905,"confidence":0.8613281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16584742069244385},{"word":"life","start":1470.905,"end":1471.2251,"confidence":0.9404297,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.16473135352134705},{"word":"together","start":1471.2251,"end":1471.7051,"confidence":0.99658203,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":0.2050122171640396},{"word":"it","start":1471.7051,"end":1471.865,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22755058109760284},{"word":"essentially","start":1471.865,"end":1472.3451,"confidence":0.9980469,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.18565669655799863},{"word":"shows","start":1472.3451,"end":1472.5851,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.14084409177303314},{"word":"the","start":1472.5851,"end":1472.745,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1466725468635559},{"word":"monthly","start":1472.745,"end":1473.145,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.1961199939250946},{"word":"premium","start":1473.145,"end":1473.625,"confidence":0.9980469,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.14890949428081512},{"word":"expected","start":1473.625,"end":1474.025,"confidence":0.9921875,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.2667298913002014},{"word":"is","start":1474.025,"end":1474.265,"confidence":0.5698242,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09478585422039032},{"word":"$28.71","start":1474.265,"end":1476.265,"confidence":0.9898437,"punctuated_word":"$28.71","sentiment":"neutral","sentiment_score":0.11352448165416718},{"word":"there","start":1476.265,"end":1476.765,"confidence":0.9941406,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0911686271429062},{"word":"if","start":1476.985,"end":1477.2251,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0903308242559433},{"word":"we","start":1477.2251,"end":1477.4651,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05711613595485687},{"word":"just","start":1477.4651,"end":1477.865,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.052112877368927},{"word":"looked","start":1477.865,"end":1478.105,"confidence":0.9658203,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.051645103842020035},{"word":"at","start":1478.105,"end":1478.605,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04707946255803108},{"word":"the","start":1479.305,"end":1479.7051,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05545568838715553},{"word":"trauma","start":1479.7051,"end":1480.105,"confidence":0.9980469,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.046291179955005646},{"word":"policy","start":1480.105,"end":1480.605,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.07236383855342865},{"word":"and","start":1480.665,"end":1480.8251,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02947418764233589},{"word":"the","start":1480.8251,"end":1480.905,"confidence":0.88134766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013277165591716766},{"word":"child","start":1480.905,"end":1481.2251,"confidence":0.9980469,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.022580526769161224},{"word":"trauma","start":1481.2251,"end":1481.625,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.0557890310883522},{"word":"on","start":1481.625,"end":1481.785,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08491219580173492},{"word":"its","start":1481.785,"end":1482.025,"confidence":0.99316406,"punctuated_word":"its","sentiment":"neutral","sentiment_score":0.07739889621734619},{"word":"own","start":1482.025,"end":1482.525,"confidence":0.99609375,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.09360434114933014},{"word":"without","start":1483.28,"end":1483.78,"confidence":0.99902344,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.06610916554927826},{"word":"the","start":1484.08,"end":1484.5599,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02051566541194916},{"word":"additional","start":1484.5599,"end":1485.0599,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.003662683069705963},{"word":"sorry","start":1486.1599,"end":1486.64,"confidence":0.9921875,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.006115231662988663},{"word":"i'm","start":1486.64,"end":1486.88,"confidence":0.9748535,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09792274236679076},{"word":"just","start":1486.88,"end":1487.12,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1122167780995369},{"word":"gonna","start":1487.12,"end":1487.44,"confidence":1.0,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1114341914653778},{"word":"add","start":1487.44,"end":1487.6,"confidence":1.0,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.12185655534267426},{"word":"these","start":1487.6,"end":1487.84,"confidence":0.9604492,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.10723905265331268},{"word":"two","start":1487.84,"end":1488.0,"confidence":0.8540039,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.11446057260036469},{"word":"together","start":1488.0,"end":1488.5,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.15004350244998932},{"word":"because","start":1488.5599,"end":1489.0599,"confidence":0.921875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.11025333404541016},{"word":"it's","start":1489.36,"end":1489.86,"confidence":0.9926758,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.11548798531293868},{"word":"$17.26","start":1489.9199,"end":1491.2999,"confidence":0.99853516,"punctuated_word":"$17.26","sentiment":"neutral","sentiment_score":0.11248552799224854},{"word":"and","start":1491.84,"end":1492.08,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05442480742931366},{"word":"$28.71","start":1492.08,"end":1493.44,"confidence":0.9992676,"punctuated_word":"$28.71"},{"word":"to","start":1493.44,"end":1493.6,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01101741474121809},{"word":"include","start":1493.6,"end":1494.0,"confidence":1.0,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.0336143895983696},{"word":"all","start":1494.0,"end":1494.1599,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.030583921819925308},{"word":"the","start":1494.1599,"end":1494.4,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021479785442352295},{"word":"policies","start":1494.4,"end":1494.88,"confidence":0.9946289,"punctuated_word":"policies.","sentiment":"neutral","sentiment_score":0.02051548659801483},{"word":"so","start":1494.88,"end":1495.12,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.032340068370103836},{"word":"for","start":1495.12,"end":1495.28,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04749789088964462},{"word":"the","start":1495.28,"end":1495.36,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06947128474712372},{"word":"child","start":1495.36,"end":1495.6799,"confidence":0.9980469,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.0433657132089138},{"word":"trauma","start":1495.6799,"end":1496.0,"confidence":0.99902344,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.019541973248124123},{"word":"policies","start":1496.0,"end":1496.5,"confidence":0.99902344,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.07572513818740845},{"word":"and","start":1496.64,"end":1496.88,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06906980276107788},{"word":"the","start":1496.88,"end":1497.0399,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08349978923797607},{"word":"life","start":1497.0399,"end":1497.28,"confidence":0.9970703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.036940187215805054},{"word":"and","start":1497.28,"end":1497.44,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.040720872581005096},{"word":"trauma","start":1497.44,"end":1497.84,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.02044283039867878},{"word":"for","start":1497.84,"end":1498.0,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.057318951934576035},{"word":"yourself","start":1498.0,"end":1498.5,"confidence":0.9980469,"punctuated_word":"yourself,","sentiment":"neutral","sentiment_score":0.05702156573534012},{"word":"the","start":1498.795,"end":1499.035,"confidence":0.96240234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.059832748025655746},{"word":"two","start":1499.035,"end":1499.1951,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.06043638661503792},{"word":"policies","start":1499.1951,"end":1499.675,"confidence":0.99609375,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.05930527672171593},{"word":"added","start":1499.675,"end":1499.915,"confidence":0.9921875,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.07039892673492432},{"word":"together","start":1499.915,"end":1500.3151,"confidence":0.7180176,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":0.059942662715911865},{"word":"it's","start":1500.3151,"end":1500.475,"confidence":0.9758301,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03821778297424317},{"word":"$45.97","start":1500.475,"end":1502.475,"confidence":0.99912107,"punctuated_word":"$45.97.","sentiment":"neutral","sentiment_score":0.0287413876503706},{"word":"if","start":1502.475,"end":1502.715,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.08333837240934372},{"word":"we","start":1502.715,"end":1502.795,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09732605516910552},{"word":"did","start":1502.795,"end":1503.035,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.05205678939819336},{"word":"not","start":1503.035,"end":1503.1951,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.05982913076877594},{"word":"link","start":1503.1951,"end":1503.515,"confidence":0.99902344,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.057467807084321976},{"word":"the","start":1503.515,"end":1503.675,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08547111600637436},{"word":"life","start":1503.675,"end":1503.995,"confidence":0.984375,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.03601972758769989},{"word":"policy","start":1503.995,"end":1504.475,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.0532475970685482},{"word":"to","start":1504.475,"end":1504.715,"confidence":0.88964844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07561253011226654},{"word":"that","start":1504.715,"end":1505.1951,"confidence":0.99853516,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.06958729028701782},{"word":"the","start":1505.1951,"end":1505.515,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09724147617816924},{"word":"out","start":1505.515,"end":1505.595,"confidence":0.9863281,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.06850004196166992},{"word":"of","start":1505.595,"end":1505.755,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06450604647397995},{"word":"pocket","start":1505.755,"end":1506.155,"confidence":0.9980469,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":0.05970814824104309},{"word":"premium","start":1506.155,"end":1506.635,"confidence":0.99609375,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.06233279034495354},{"word":"for","start":1506.635,"end":1506.795,"confidence":0.9873047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0996476784348488},{"word":"your","start":1506.795,"end":1507.035,"confidence":0.9716797,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07934898883104324},{"word":"adult","start":1507.035,"end":1507.355,"confidence":0.9970703,"punctuated_word":"adult","sentiment":"neutral","sentiment_score":0.03578152135014534},{"word":"cover","start":1507.355,"end":1507.675,"confidence":0.9980469,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.06673672795295715},{"word":"plus","start":1507.675,"end":1507.995,"confidence":0.9658203,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.058437496423721313},{"word":"the","start":1507.995,"end":1508.155,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08667143434286118},{"word":"child","start":1508.155,"end":1508.475,"confidence":0.99902344,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.03718768432736397},{"word":"trauma","start":1508.475,"end":1508.875,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.03426409140229225},{"word":"policies","start":1508.875,"end":1509.275,"confidence":0.5229492,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.07947191596031189},{"word":"was","start":1509.275,"end":1509.515,"confidence":0.640625,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.08700494468212128},{"word":"about","start":1509.515,"end":1509.755,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09708134829998016},{"word":"$54.43","start":1509.755,"end":1511.835,"confidence":0.9939453,"punctuated_word":"$54.43.","sentiment":"neutral","sentiment_score":0.06388014554977417},{"word":"so","start":1511.835,"end":1512.27,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1475665420293808},{"word":"it","start":1512.35,"end":1512.59,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2718728482723236},{"word":"worked","start":1512.59,"end":1512.75,"confidence":0.93408203,"punctuated_word":"worked","sentiment":"positive","sentiment_score":0.34351351857185364},{"word":"out","start":1512.75,"end":1512.99,"confidence":0.9863281,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.34985828399658203},{"word":"cheaper","start":1512.99,"end":1513.39,"confidence":0.9267578,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.2174079567193985},{"word":"to","start":1513.39,"end":1513.55,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2646777927875519},{"word":"link","start":1513.55,"end":1513.79,"confidence":1.0,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.20036575198173523},{"word":"a","start":1513.79,"end":1513.87,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26429978013038635},{"word":"little","start":1513.87,"end":1514.11,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2661876082420349},{"word":"bit","start":1514.11,"end":1514.1901,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20947088301181793},{"word":"of","start":1514.1901,"end":1514.43,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16723817586898804},{"word":"life","start":1514.43,"end":1514.67,"confidence":0.9980469,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.1115560233592987},{"word":"cover","start":1514.67,"end":1515.0701,"confidence":0.9819336,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.10354339331388474},{"word":"to","start":1515.0701,"end":1515.23,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1575087010860443},{"word":"it","start":1515.23,"end":1515.73,"confidence":0.8769531,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.11448174715042114},{"word":"but","start":1516.11,"end":1516.27,"confidence":0.56152344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.10799457877874374},{"word":"then","start":1516.27,"end":1516.51,"confidence":0.8173828,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.08764997124671936},{"word":"also","start":1516.51,"end":1516.91,"confidence":0.99853516,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":0.07397463917732239},{"word":"one","start":1516.91,"end":1517.0701,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1491514891386032},{"word":"of","start":1517.0701,"end":1517.15,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17934226989746094},{"word":"the","start":1517.15,"end":1517.31,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22727623581886292},{"word":"benefits","start":1517.31,"end":1517.79,"confidence":0.99902344,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":0.19720691442489624},{"word":"to","start":1517.79,"end":1517.9501,"confidence":0.90527344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2392636239528656},{"word":"having","start":1517.9501,"end":1518.27,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2655460834503174},{"word":"that","start":1518.27,"end":1518.43,"confidence":0.9526367,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2833746075630188},{"word":"life","start":1518.43,"end":1518.67,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.13793864846229553},{"word":"cover","start":1518.67,"end":1518.99,"confidence":0.99902344,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.18121793866157532},{"word":"outside","start":1518.99,"end":1519.47,"confidence":0.99902344,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.2204652726650238},{"word":"of","start":1519.47,"end":1519.55,"confidence":0.9790039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21428100764751432},{"word":"sufa","start":1519.55,"end":1519.9501,"confidence":0.545166,"punctuated_word":"SUFA","sentiment":"neutral","sentiment_score":0.1430044174194336},{"word":"is","start":1519.9501,"end":1520.1901,"confidence":0.9790039,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2626270353794098},{"word":"you","start":1520.1901,"end":1520.35,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3793962299823761},{"word":"do","start":1520.35,"end":1520.51,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.32508188486099243},{"word":"get","start":1520.51,"end":1520.75,"confidence":0.9970703,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4027819633483886},{"word":"that","start":1520.75,"end":1520.91,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3463592231273651},{"word":"funeral","start":1520.91,"end":1521.41,"confidence":1.0,"punctuated_word":"funeral","sentiment":"neutral","sentiment_score":0.13434676826000214},{"word":"benefit","start":1521.47,"end":1521.9501,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.2886277139186859},{"word":"as","start":1521.9501,"end":1522.03,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25807392597198486},{"word":"well","start":1522.03,"end":1522.51,"confidence":0.9975586,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.237820565700531},{"word":"so","start":1522.51,"end":1522.91,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23160487413406372},{"word":"if","start":1522.91,"end":1523.15,"confidence":0.9873047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2214197814464569},{"word":"in","start":1523.15,"end":1523.31,"confidence":0.93847656,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1546599566936493},{"word":"the","start":1523.31,"end":1523.39,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1849648356437683},{"word":"event","start":1523.39,"end":1523.71,"confidence":1.0,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.1417696624994278},{"word":"that","start":1523.71,"end":1523.9501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17944616079330444},{"word":"you","start":1523.9501,"end":1524.11,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17935991287231445},{"word":"were","start":1524.11,"end":1524.27,"confidence":0.99121094,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.08928616344928741},{"word":"to","start":1524.27,"end":1524.43,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07399478554725647},{"word":"pass","start":1524.43,"end":1524.75,"confidence":0.99902344,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.034924738109111786},{"word":"away","start":1524.75,"end":1525.25,"confidence":1.0,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.09366724640130995},{"word":"with","start":1526.045,"end":1526.205,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10211636126041412},{"word":"just","start":1526.205,"end":1526.445,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12978360056877136},{"word":"having","start":1526.445,"end":1526.765,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.16599492728710177},{"word":"that","start":1526.765,"end":1526.9249,"confidence":0.8984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18889358639717105},{"word":"life","start":1526.9249,"end":1527.165,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.08933663368225098},{"word":"cover","start":1527.165,"end":1527.485,"confidence":0.9863281,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.08545967936515808},{"word":"held","start":1527.485,"end":1527.8049,"confidence":0.96972656,"punctuated_word":"held","sentiment":"neutral","sentiment_score":0.1304003894329071},{"word":"inside","start":1527.8049,"end":1528.285,"confidence":0.96240234,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.1099911779165268},{"word":"super","start":1528.285,"end":1528.6849,"confidence":0.61950684,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.18228647112846377},{"word":"there's","start":1528.6849,"end":1528.9249,"confidence":0.9951172,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1570988893508911},{"word":"no","start":1528.9249,"end":1529.245,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.10307715833187105},{"word":"upfront","start":1529.245,"end":1529.725,"confidence":0.8339844,"punctuated_word":"upfront","sentiment":"neutral","sentiment_score":0.05102362856268883},{"word":"kind","start":1529.725,"end":1530.205,"confidence":0.94921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08491134643554688},{"word":"of","start":1530.205,"end":1530.445,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11422857642173768},{"word":"immediate","start":1530.445,"end":1530.945,"confidence":0.9980469,"punctuated_word":"immediate","sentiment":"neutral","sentiment_score":0.05292271822690964},{"word":"expenses","start":1531.165,"end":1531.665,"confidence":0.99902344,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.04901082441210747},{"word":"for","start":1531.725,"end":1531.965,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07083845138549805},{"word":"funeral","start":1531.965,"end":1532.365,"confidence":1.0,"punctuated_word":"funeral","sentiment":"neutral","sentiment_score":-0.031227096915245056},{"word":"costs","start":1532.365,"end":1532.6849,"confidence":0.8017578,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":0.06630223989486694},{"word":"that","start":1532.6849,"end":1532.9249,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13581618666648865},{"word":"can","start":1532.9249,"end":1533.085,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14236797392368317},{"word":"be","start":1533.085,"end":1533.245,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1277656853199005},{"word":"paid","start":1533.245,"end":1533.485,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.10944949090480804},{"word":"out","start":1533.485,"end":1533.885,"confidence":0.92041016,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.11682617664337158},{"word":"your","start":1533.885,"end":1534.125,"confidence":0.99121094,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.06722517311573029},{"word":"family","start":1534.125,"end":1534.525,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.08551079034805298},{"word":"has","start":1534.525,"end":1534.6849,"confidence":0.75390625,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.0895574763417244},{"word":"to","start":1534.6849,"end":1534.765,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08618515729904175},{"word":"go","start":1534.765,"end":1534.9249,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05088570713996887},{"word":"through","start":1534.9249,"end":1535.165,"confidence":0.8071289,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.04115550220012665},{"word":"the","start":1535.165,"end":1535.245,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06967878341674805},{"word":"claims","start":1535.245,"end":1535.645,"confidence":0.9951172,"punctuated_word":"claims","sentiment":"neutral","sentiment_score":0.017596464604139328},{"word":"process","start":1535.645,"end":1536.045,"confidence":0.9951172,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.01474052295088768},{"word":"to","start":1536.045,"end":1536.205,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0177629254758358},{"word":"have","start":1536.205,"end":1536.445,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02337782084941864},{"word":"the","start":1536.445,"end":1536.605,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0204717218875885},{"word":"money","start":1536.605,"end":1536.9249,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.019057147204875943},{"word":"released","start":1536.9249,"end":1537.4249,"confidence":0.73669434,"punctuated_word":"released,","sentiment":"neutral","sentiment_score":0.015128019265830517},{"word":"whereas","start":1537.66,"end":1537.98,"confidence":0.9902344,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":0.051639046519994736},{"word":"having","start":1537.98,"end":1538.22,"confidence":0.8286133,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.07824066281318665},{"word":"this","start":1538.22,"end":1538.38,"confidence":0.9482422,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07748626917600632},{"word":"little","start":1538.38,"end":1538.62,"confidence":0.99609375,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.05364350974559784},{"word":"bit","start":1538.62,"end":1538.78,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1001410037279129},{"word":"of","start":1538.78,"end":1539.02,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08889515697956085},{"word":"insurance","start":1539.02,"end":1539.52,"confidence":0.9770508,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.08531387150287628},{"word":"or","start":1539.58,"end":1539.74,"confidence":0.87890625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0925261452794075},{"word":"life","start":1539.74,"end":1539.98,"confidence":0.9941406,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.11230839043855669},{"word":"cover","start":1539.98,"end":1540.3,"confidence":0.9921875,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.12205635011196136},{"word":"outside","start":1540.3,"end":1540.7,"confidence":0.9980469,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.09590481221675871},{"word":"of","start":1540.7,"end":1540.86,"confidence":0.90771484,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05930092930793762},{"word":"super","start":1540.86,"end":1541.36,"confidence":0.7841797,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.11584840714931488},{"word":"means","start":1541.58,"end":1541.9,"confidence":0.9838867,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.07040504366159439},{"word":"that","start":1541.9,"end":1542.22,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10946585237979888},{"word":"once","start":1542.22,"end":1542.62,"confidence":0.9970703,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.1514144092798233},{"word":"the","start":1542.62,"end":1543.02,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11968442797660828},{"word":"the","start":1543.02,"end":1543.18,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10447092354297638},{"word":"death","start":1543.18,"end":1543.42,"confidence":0.99121094,"punctuated_word":"death","sentiment":"neutral","sentiment_score":0.0556611642241478},{"word":"certificate","start":1543.42,"end":1543.92,"confidence":1.0,"punctuated_word":"certificate","sentiment":"neutral","sentiment_score":0.06058849021792412},{"word":"is","start":1543.98,"end":1544.3,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0979042574763298},{"word":"provided","start":1544.3,"end":1544.7,"confidence":0.9946289,"punctuated_word":"provided,","sentiment":"neutral","sentiment_score":0.11999043077230452},{"word":"your","start":1544.7,"end":1544.86,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10986245423555374},{"word":"family","start":1544.86,"end":1545.26,"confidence":1.0,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.09509442746639252},{"word":"or","start":1545.26,"end":1545.42,"confidence":0.96972656,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10908903181552888},{"word":"your","start":1545.42,"end":1545.66,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1098162978887558},{"word":"executor","start":1545.66,"end":1546.06,"confidence":0.79956055,"punctuated_word":"executor","sentiment":"neutral","sentiment_score":0.12771320343017578},{"word":"of","start":1546.06,"end":1546.22,"confidence":0.44360352,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13269561529159546},{"word":"your","start":1546.22,"end":1546.38,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11368320882320404},{"word":"will","start":1546.38,"end":1546.62,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1489582508802414},{"word":"can","start":1546.62,"end":1546.78,"confidence":0.9902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1259130984544754},{"word":"go","start":1546.78,"end":1546.94,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11592162400484084},{"word":"and","start":1546.94,"end":1547.18,"confidence":0.6923828,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11225837469100952},{"word":"claim","start":1547.18,"end":1547.68,"confidence":0.75756836,"punctuated_word":"claim,","sentiment":"neutral","sentiment_score":0.10430657118558884},{"word":"or","start":1548.06,"end":1548.3,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10658493638038637},{"word":"the","start":1548.3,"end":1548.54,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11327728629112244},{"word":"beneficiary","start":1548.54,"end":1549.04,"confidence":0.91015625,"punctuated_word":"beneficiary,","sentiment":"neutral","sentiment_score":0.1427544802427292},{"word":"you","start":1549.18,"end":1549.26,"confidence":0.94384766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13164590299129486},{"word":"know","start":1549.26,"end":1549.5,"confidence":0.99609375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.13042345643043518},{"word":"whoever","start":1549.5,"end":1549.74,"confidence":0.99902344,"punctuated_word":"whoever","sentiment":"neutral","sentiment_score":0.1679956316947937},{"word":"you","start":1549.74,"end":1549.98,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1909577250480652},{"word":"sort","start":1549.98,"end":1550.14,"confidence":0.8496094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.140997052192688},{"word":"of","start":1550.14,"end":1550.3,"confidence":0.8359375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1706283986568451},{"word":"nominated","start":1550.3,"end":1550.78,"confidence":0.9760742,"punctuated_word":"nominated","sentiment":"neutral","sentiment_score":0.1541319191455841},{"word":"can","start":1550.78,"end":1550.94,"confidence":0.7319336,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1659863293170929},{"word":"go","start":1550.94,"end":1551.1,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17808720469474792},{"word":"and","start":1551.1,"end":1551.26,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1517641395330429},{"word":"claim","start":1551.26,"end":1551.58,"confidence":0.99902344,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.14669018983840942},{"word":"that","start":1551.58,"end":1551.795,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14976994693279266},{"word":"25,000","start":1551.795,"end":1552.755,"confidence":0.9996745,"punctuated_word":"25,000","sentiment":"neutral","sentiment_score":0.16077958047389984},{"word":"from","start":1552.755,"end":1552.995,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.12602674961090088},{"word":"clearview","start":1552.995,"end":1553.495,"confidence":0.83569336,"punctuated_word":"Clearview","sentiment":"neutral","sentiment_score":0.10553012788295746},{"word":"as","start":1553.9551,"end":1554.115,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11835885047912598},{"word":"an","start":1554.115,"end":1554.3551,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.14125511050224304},{"word":"upfront","start":1554.3551,"end":1554.8351,"confidence":0.87841797,"punctuated_word":"upfront","sentiment":"neutral","sentiment_score":0.10910792648792268},{"word":"cost","start":1554.8351,"end":1555.155,"confidence":0.99121094,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.10430796444416046},{"word":"to","start":1555.155,"end":1555.235,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09492015093564989},{"word":"cover","start":1555.235,"end":1555.555,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.04910226911306381},{"word":"your","start":1555.555,"end":1556.055,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08341674506664276},{"word":"to","start":1556.515,"end":1556.675,"confidence":0.7651367,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09184034168720244},{"word":"your","start":1556.675,"end":1556.755,"confidence":0.5288086,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07158420234918594},{"word":"funeral","start":1556.755,"end":1557.155,"confidence":0.7607422,"punctuated_word":"funeral,","sentiment":"neutral","sentiment_score":0.031250473111867905},{"word":"sorry","start":1557.155,"end":1557.4751,"confidence":0.99365234,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.07271762937307358},{"word":"and","start":1557.4751,"end":1557.7151,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11602772772312164},{"word":"any","start":1557.7151,"end":1557.9551,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1359129399061203},{"word":"immediate","start":1557.9551,"end":1558.4551,"confidence":1.0,"punctuated_word":"immediate","sentiment":"neutral","sentiment_score":0.07026593387126923},{"word":"expenses","start":1558.515,"end":1558.915,"confidence":0.9970703,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":0.07445229589939117},{"word":"that","start":1558.915,"end":1559.3151,"confidence":0.9838867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09449967741966248},{"word":"are","start":1559.3151,"end":1559.555,"confidence":0.9135742,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10138832777738573},{"word":"sort","start":1559.555,"end":1559.7151,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1071394607424736},{"word":"of","start":1559.7151,"end":1559.875,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0906522572040558},{"word":"brought","start":1559.875,"end":1560.115,"confidence":0.9980469,"punctuated_word":"brought","sentiment":"neutral","sentiment_score":0.09307757019996644},{"word":"up","start":1560.115,"end":1560.3551,"confidence":0.99316406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07332141697406769},{"word":"as","start":1560.3551,"end":1560.675,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08277232944965363},{"word":"due","start":1560.675,"end":1560.915,"confidence":0.98095703,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.08069966733455658},{"word":"to","start":1560.915,"end":1561.415,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0775110051035881},{"word":"the","start":1561.4751,"end":1561.555,"confidence":0.43139648,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06506466865539551},{"word":"your","start":1561.7151,"end":1561.9551,"confidence":0.93359375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0356602817773819},{"word":"passing","start":1561.9551,"end":1562.4551,"confidence":0.9980469,"punctuated_word":"passing","sentiment":"neutral","sentiment_score":0.014276325702667236},{"word":"or","start":1562.515,"end":1562.8351,"confidence":0.9863281,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04534304141998291},{"word":"related","start":1562.8351,"end":1563.235,"confidence":0.9770508,"punctuated_word":"related","sentiment":"neutral","sentiment_score":0.037677425891160965},{"word":"to","start":1563.235,"end":1563.395,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06677833944559097},{"word":"the","start":1563.395,"end":1563.4751,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05017044022679329},{"word":"kids","start":1563.4751,"end":1563.795,"confidence":0.99902344,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.055946532636880875},{"word":"around","start":1563.795,"end":1564.115,"confidence":0.99121094,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.06006932258605957},{"word":"those","start":1564.115,"end":1564.3551,"confidence":0.98535156,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.07658858597278595},{"word":"sorts","start":1564.3551,"end":1564.515,"confidence":0.6958008,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.04731037840247154},{"word":"of","start":1564.515,"end":1564.675,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05538071691989899},{"word":"areas","start":1564.675,"end":1565.155,"confidence":0.9926758,"punctuated_word":"areas.","sentiment":"neutral","sentiment_score":0.05067678540945053},{"word":"so","start":1565.155,"end":1565.58,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2657647132873535},{"word":"it","start":1565.8999,"end":1566.0599,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2917146384716034},{"word":"does","start":1566.0599,"end":1566.2999,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.31305384635925293},{"word":"provide","start":1566.2999,"end":1566.7,"confidence":0.99902344,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.30806219577789307},{"word":"you","start":1566.7,"end":1566.86,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34755364060401917},{"word":"with","start":1566.86,"end":1567.0199,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.40769854187965393},{"word":"that","start":1567.0199,"end":1567.26,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3955390751361847},{"word":"benefit","start":1567.26,"end":1567.58,"confidence":0.9980469,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.39594778418540955},{"word":"that","start":1567.58,"end":1567.74,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4289652109146118},{"word":"you","start":1567.74,"end":1567.8999,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3822365403175354},{"word":"don't","start":1567.8999,"end":1568.14,"confidence":0.9399414,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.29549849033355713},{"word":"get","start":1568.14,"end":1568.2999,"confidence":0.99609375,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.30219656229019165},{"word":"with","start":1568.2999,"end":1568.5399,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2812603712081909},{"word":"having","start":1568.5399,"end":1568.7799,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2618006765842438},{"word":"that","start":1568.7799,"end":1568.94,"confidence":0.8691406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31098672747612},{"word":"life","start":1568.94,"end":1569.1799,"confidence":0.98535156,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.15977412462234497},{"word":"cover","start":1569.1799,"end":1569.58,"confidence":0.99121094,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.2261313796043396},{"word":"inside","start":1569.58,"end":1569.98,"confidence":0.9980469,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.24587278068065643},{"word":"super","start":1569.98,"end":1570.38,"confidence":0.81274414,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.2862517833709717},{"word":"but","start":1570.38,"end":1570.5399,"confidence":1.0,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.3557378649711609},{"word":"it's","start":1570.5399,"end":1570.7799,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3990345001220703},{"word":"also","start":1570.7799,"end":1571.1,"confidence":1.0,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.38752734661102295},{"word":"making","start":1571.1,"end":1571.4199,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.415963351726532},{"word":"the","start":1571.4199,"end":1571.6599,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.44386938214302063},{"word":"total","start":1571.6599,"end":1572.0599,"confidence":1.0,"punctuated_word":"total","sentiment":"positive","sentiment_score":0.487703412771225},{"word":"policies","start":1572.0599,"end":1572.5599,"confidence":0.9838867,"punctuated_word":"policies","sentiment":"positive","sentiment_score":0.3805990815162658},{"word":"cheaper","start":1572.62,"end":1573.1,"confidence":0.99902344,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.5083590745925903},{"word":"between","start":1573.1,"end":1573.5,"confidence":1.0,"punctuated_word":"between","sentiment":"positive","sentiment_score":0.49353721737861633},{"word":"the","start":1573.5,"end":1573.6599,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34700167179107666},{"word":"three","start":1573.6599,"end":1573.8999,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.24445827305316925},{"word":"of","start":1573.8999,"end":1574.0599,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3392432928085327},{"word":"them","start":1574.0599,"end":1574.5599,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.2587462067604065},{"word":"by","start":1574.94,"end":1575.1,"confidence":0.93408203,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.35665589570999146},{"word":"giving","start":1575.1,"end":1575.4199,"confidence":1.0,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.4728221297264099},{"word":"you","start":1575.4199,"end":1575.58,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4039487540721894},{"word":"that","start":1575.58,"end":1575.74,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4375492036342621},{"word":"multi","start":1575.74,"end":1576.0599,"confidence":0.6582031,"punctuated_word":"multi","sentiment":"positive","sentiment_score":0.3756848573684693},{"word":"policy","start":1576.0599,"end":1576.5399,"confidence":0.9970703,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.2668035626411438},{"word":"discount","start":1576.5399,"end":1576.94,"confidence":1.0,"punctuated_word":"discount","sentiment":"positive","sentiment_score":0.37995976209640503},{"word":"there","start":1576.94,"end":1577.1799,"confidence":1.0,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3705398142337799},{"word":"as","start":1577.1799,"end":1577.34,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3655667304992676},{"word":"well","start":1577.34,"end":1577.805,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.28341031074523926},{"word":"again","start":1578.045,"end":1578.2051,"confidence":0.9995117,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.2417779415845871},{"word":"this","start":1578.2051,"end":1578.285,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2637317180633545},{"word":"is","start":1578.285,"end":1578.685,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22953203320503235},{"word":"sort","start":1578.685,"end":1578.925,"confidence":0.53125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.27279147505760193},{"word":"of","start":1578.925,"end":1579.005,"confidence":0.9506836,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2486519068479538},{"word":"showing","start":1579.005,"end":1579.3251,"confidence":1.0,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.1949327439069748},{"word":"you","start":1579.3251,"end":1579.4851,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29399731755256653},{"word":"how","start":1579.4851,"end":1579.645,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.25767838954925537},{"word":"it","start":1579.645,"end":1579.7251,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.30547574162483215},{"word":"works","start":1579.7251,"end":1580.125,"confidence":0.79589844,"punctuated_word":"works.","sentiment":"neutral","sentiment_score":0.2641737461090088},{"word":"in","start":1580.125,"end":1580.285,"confidence":1.0,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.1949378103017807},{"word":"the","start":1580.285,"end":1580.525,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19511239230632785},{"word":"appendices","start":1580.525,"end":1581.025,"confidence":0.9720052,"punctuated_word":"appendices,","sentiment":"neutral","sentiment_score":0.15322409570217133},{"word":"i've","start":1581.165,"end":1581.4851,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1520577371120453},{"word":"also","start":1581.4851,"end":1581.805,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1179509311914444},{"word":"got","start":1581.805,"end":1581.9651,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.16130331158638},{"word":"a","start":1581.9651,"end":1582.125,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14343449473381042},{"word":"breakdown","start":1582.125,"end":1582.625,"confidence":0.99316406,"punctuated_word":"breakdown","sentiment":"neutral","sentiment_score":0.12402182817459106},{"word":"of","start":1582.765,"end":1583.005,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.112275168299675},{"word":"just","start":1583.005,"end":1583.4851,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12164343893527985},{"word":"stand","start":1583.4851,"end":1583.805,"confidence":0.56347656,"punctuated_word":"stand","sentiment":"neutral","sentiment_score":0.100895494222641},{"word":"alone","start":1583.805,"end":1584.125,"confidence":0.99902344,"punctuated_word":"alone","sentiment":"neutral","sentiment_score":0.0950467437505722},{"word":"trauma","start":1584.125,"end":1584.625,"confidence":0.99902344,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.06239937245845795},{"word":"policy","start":1584.685,"end":1585.0851,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.11647284030914308},{"word":"with","start":1585.0851,"end":1585.3251,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10236170887947084},{"word":"the","start":1585.3251,"end":1585.5651,"confidence":0.8959961,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09888620674610138},{"word":"child","start":1585.5651,"end":1585.805,"confidence":0.9980469,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.09107246994972228},{"word":"trauma","start":1585.805,"end":1586.2051,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.08701340109109879},{"word":"there","start":1586.2051,"end":1586.7051,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1731814295053482},{"word":"just","start":1586.765,"end":1587.005,"confidence":0.78515625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19836550951004028},{"word":"so","start":1587.005,"end":1587.165,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.17645788192749023},{"word":"you","start":1587.165,"end":1587.3251,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20693236589431763},{"word":"can","start":1587.3251,"end":1587.4851,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18739953637123108},{"word":"see","start":1587.4851,"end":1587.7251,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2218513786792755},{"word":"the","start":1587.7251,"end":1587.885,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1574329137802124},{"word":"difference","start":1587.885,"end":1588.285,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.1334182322025299},{"word":"and","start":1588.285,"end":1588.4451,"confidence":0.5576172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21058125793933868},{"word":"you","start":1588.4451,"end":1588.6051,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27046915888786316},{"word":"get","start":1588.6051,"end":1588.765,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.28908735513687134},{"word":"to","start":1588.765,"end":1588.925,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23089712858200073},{"word":"decide","start":1588.925,"end":1589.245,"confidence":1.0,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.2176942229270935},{"word":"what's","start":1589.245,"end":1589.5651,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.17377468943595886},{"word":"more","start":1589.5651,"end":1589.7251,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.12486597895622252},{"word":"comfortable","start":1589.7251,"end":1590.2251,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.1289978325366974},{"word":"for","start":1590.285,"end":1590.4451,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19826726615428925},{"word":"you","start":1590.4451,"end":1590.925,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13172948360443115},{"word":"okay","start":1590.925,"end":1591.425,"confidence":0.9770508,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.17540903389453888},{"word":"excellent","start":1595.04,"end":1595.54,"confidence":0.9995117,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6170134544372559},{"word":"that","start":1596.08,"end":1596.3201,"confidence":0.5830078,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.41477498412132263},{"word":"is","start":1596.3201,"end":1596.56,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3332689702510834},{"word":"essentially","start":1596.56,"end":1597.04,"confidence":0.9506836,"punctuated_word":"essentially","sentiment":"positive","sentiment_score":0.34713834524154663},{"word":"most","start":1597.04,"end":1597.28,"confidence":0.9980469,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.4250059127807617},{"word":"of","start":1597.28,"end":1597.4401,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4061444401741028},{"word":"the","start":1597.4401,"end":1597.52,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27871081233024597},{"word":"recommendations","start":1597.52,"end":1598.02,"confidence":0.99902344,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.2812720537185669},{"word":"around","start":1598.4,"end":1598.72,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.2833661735057831},{"word":"it","start":1598.72,"end":1599.22,"confidence":0.98291016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20556111633777616},{"word":"around","start":1599.52,"end":1599.92,"confidence":0.42407227,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.2872379422187805},{"word":"that","start":1599.92,"end":1600.08,"confidence":0.8183594,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2869366407394409},{"word":"we've","start":1600.08,"end":1600.3201,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.32176876068115234},{"word":"made","start":1600.3201,"end":1600.8201,"confidence":0.99902344,"punctuated_word":"made.","sentiment":"neutral","sentiment_score":0.289837121963501},{"word":"you've","start":1601.04,"end":1601.28,"confidence":0.9921875,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.17084729671478271},{"word":"got","start":1601.28,"end":1601.4401,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.24908505380153656},{"word":"the","start":1601.4401,"end":1601.68,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17864806950092316},{"word":"advantages","start":1601.68,"end":1602.18,"confidence":0.9848633,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.16838909685611725},{"word":"disadvantages","start":1602.24,"end":1602.74,"confidence":0.954834,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":0.04587352275848389},{"word":"the","start":1602.88,"end":1603.04,"confidence":0.8359375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.135999858379364},{"word":"risks","start":1603.04,"end":1603.36,"confidence":0.99902344,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.03978557884693146},{"word":"involved","start":1603.36,"end":1603.76,"confidence":0.9941406,"punctuated_word":"involved.","sentiment":"neutral","sentiment_score":0.14957310259342194},{"word":"i've","start":1603.76,"end":1603.92,"confidence":0.9951172,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.3515459895133972},{"word":"also","start":1603.92,"end":1604.24,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2763063311576843},{"word":"noted","start":1604.24,"end":1604.56,"confidence":0.99902344,"punctuated_word":"noted","sentiment":"positive","sentiment_score":0.3923722207546234},{"word":"the","start":1604.56,"end":1604.64,"confidence":0.7470703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3488656282424927},{"word":"best","start":1604.64,"end":1604.88,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.348050594329834},{"word":"interest","start":1604.88,"end":1605.2001,"confidence":0.7336426,"punctuated_word":"interest,","sentiment":"positive","sentiment_score":0.4528854787349701},{"word":"judy","start":1605.2001,"end":1605.52,"confidence":0.9946289,"punctuated_word":"Judy,","sentiment":"positive","sentiment_score":0.4549461603164673},{"word":"and","start":1605.52,"end":1605.68,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4507647454738617},{"word":"linked","start":1605.68,"end":1605.92,"confidence":0.97802734,"punctuated_word":"linked","sentiment":"positive","sentiment_score":0.5749018788337708},{"word":"all","start":1605.92,"end":1606.08,"confidence":0.9980469,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5277066230773926},{"word":"of","start":1606.08,"end":1606.16,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.525738537311554},{"word":"this","start":1606.16,"end":1606.4,"confidence":0.94628906,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.4389173686504364},{"word":"back","start":1606.4,"end":1606.575,"confidence":0.97998047,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.46326684951782227},{"word":"to","start":1606.575,"end":1606.6549,"confidence":0.9951172,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4921383261680603},{"word":"your","start":1606.6549,"end":1606.975,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5195217728614807},{"word":"goals","start":1606.975,"end":1607.0549,"confidence":0.99902344,"punctuated_word":"goals","sentiment":"positive","sentiment_score":0.42768576741218567},{"word":"as","start":1607.0549,"end":1607.2949,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4282190799713135},{"word":"well","start":1607.2949,"end":1607.5349,"confidence":0.86279297,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.36269548535346985},{"word":"so","start":1607.5349,"end":1607.7749,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.33690205216407776},{"word":"you're","start":1607.7749,"end":1607.9349,"confidence":1.0,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4125910699367523},{"word":"welcome","start":1607.9349,"end":1608.255,"confidence":1.0,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.496013879776001},{"word":"to","start":1608.255,"end":1608.335,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.41660022735595703},{"word":"have","start":1608.335,"end":1608.415,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.35338225960731506},{"word":"a","start":1608.415,"end":1608.495,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3596460223197937},{"word":"bit","start":1608.495,"end":1608.6549,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.36227893829345703},{"word":"of","start":1608.6549,"end":1608.815,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3703014552593231},{"word":"a","start":1608.815,"end":1608.975,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3361605107784271},{"word":"read","start":1608.975,"end":1609.215,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.2917065918445587},{"word":"through","start":1609.215,"end":1609.715,"confidence":0.9970703,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.304823100566864},{"word":"the","start":1610.1749,"end":1610.335,"confidence":0.6303711,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.041809260845184326},{"word":"only","start":1610.335,"end":1610.575,"confidence":0.9951172,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.008931666612625122},{"word":"other","start":1610.575,"end":1610.815,"confidence":0.9902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.016782939434051514},{"word":"thing","start":1610.815,"end":1611.0549,"confidence":0.99609375,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.03766972571611405},{"word":"to","start":1611.0549,"end":1611.135,"confidence":0.6958008,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05121389031410217},{"word":"kinda","start":1611.135,"end":1611.5349,"confidence":0.9614258,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.06318359076976776},{"word":"yes","start":1611.9349,"end":1612.4149,"confidence":0.99072266,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.001936023123562336},{"word":"yeah","start":1612.4149,"end":1612.815,"confidence":0.9851074,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03083796799182892},{"word":"sure","start":1612.815,"end":1613.315,"confidence":0.9995117,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.015004340559244156},{"word":"yes","start":1615.0549,"end":1615.5549,"confidence":0.98950195,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.024816861376166344},{"word":"it","start":1617.0549,"end":1617.2949,"confidence":0.9921875,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.015905670821666718},{"word":"is","start":1617.2949,"end":1617.7949,"confidence":0.99902344,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.013644222170114515},{"word":"no","start":1618.495,"end":1618.6549,"confidence":0.96777344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.057696375995874405},{"word":"no","start":1618.6549,"end":1618.8949,"confidence":0.9926758,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06335677206516266},{"word":"it's","start":1618.8949,"end":1619.135,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.03974943608045578},{"word":"a","start":1619.135,"end":1619.2949,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03153989091515541},{"word":"100,000","start":1619.2949,"end":1620.115,"confidence":1.0,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":-0.016672831028699875},{"word":"per","start":1620.1749,"end":1620.4149,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.018636338412761688},{"word":"child","start":1620.4149,"end":1620.84,"confidence":0.9980469,"punctuated_word":"child.","sentiment":"neutral","sentiment_score":-0.03105902299284935},{"word":"yeah","start":1626.0399,"end":1626.36,"confidence":0.77441406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00207679346203804},{"word":"no","start":1626.36,"end":1626.6,"confidence":0.98583984,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02264435961842537},{"word":"it's","start":1626.6,"end":1626.84,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.006315293721854687},{"word":"it's","start":1626.84,"end":1627.08,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0077110822312533855},{"word":"17","start":1627.5599,"end":1628.0599,"confidence":0.98828125,"punctuated_word":"17","sentiment":"neutral","sentiment_score":0.00816899724304676},{"word":"covers","start":1628.12,"end":1628.44,"confidence":0.99902344,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.013702576979994774},{"word":"both","start":1628.44,"end":1628.6799,"confidence":0.99658203,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":-0.0041117677465081215},{"word":"it's","start":1628.6799,"end":1628.9199,"confidence":0.8598633,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0016468906542286277},{"word":"a","start":1628.9199,"end":1629.0,"confidence":0.5957031,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.002058630809187889},{"word":"monthly","start":1629.0,"end":1629.4,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.005608759820461273},{"word":"premium","start":1629.4,"end":1629.7999,"confidence":0.9980469,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.006081275641918182},{"word":"for","start":1629.7999,"end":1629.96,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.011209748685359957},{"word":"the","start":1629.96,"end":1630.12,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015509508550167084},{"word":"two","start":1630.12,"end":1630.2799,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.011615343391895294},{"word":"child","start":1630.2799,"end":1630.6,"confidence":0.99609375,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.009992068633437157},{"word":"trauma","start":1630.6,"end":1630.9199,"confidence":0.9980469,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.00784151628613472},{"word":"policies","start":1630.9199,"end":1631.4199,"confidence":1.0,"punctuated_word":"policies.","sentiment":"neutral","sentiment_score":0.011987471021711826},{"word":"yeah","start":1631.64,"end":1632.14,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03531179949641228},{"word":"yeah","start":1633.64,"end":1634.14,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05193428695201874},{"word":"yeah","start":1634.2799,"end":1634.6799,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18555276095867157},{"word":"nice","start":1634.6799,"end":1635.1799,"confidence":0.9855957,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.4457407593727112},{"word":"no","start":1635.4451,"end":1635.685,"confidence":0.99316406,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.14841030538082123},{"word":"you're","start":1635.685,"end":1636.185,"confidence":0.9941406,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.3414193093776703},{"word":"absolutely","start":1636.245,"end":1636.725,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.34844112396240234},{"word":"fine","start":1636.725,"end":1637.045,"confidence":1.0,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.36411306262016296},{"word":"it's","start":1637.045,"end":1637.365,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5868539810180664},{"word":"absolutely","start":1637.365,"end":1637.765,"confidence":0.9980469,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.5256814360618591},{"word":"fine","start":1637.765,"end":1638.265,"confidence":1.0,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.495468944311142},{"word":"it","start":1638.485,"end":1638.805,"confidence":0.8027344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.32630929350852966},{"word":"just","start":1638.805,"end":1638.9651,"confidence":0.6850586,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26162663102149963},{"word":"it's","start":1639.045,"end":1639.2051,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.29009103775024414},{"word":"the","start":1639.2051,"end":1639.285,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2557838261127472},{"word":"way","start":1639.285,"end":1639.4451,"confidence":0.9980469,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.2615748941898346},{"word":"cleave","start":1639.4451,"end":1639.765,"confidence":0.32165527,"punctuated_word":"Cleave","sentiment":"neutral","sentiment_score":0.21130721271038055},{"word":"you","start":1639.765,"end":1639.925,"confidence":0.4885254,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2368357479572296},{"word":"kinda","start":1639.925,"end":1640.165,"confidence":0.9658203,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.2204425632953644},{"word":"notice","start":1640.165,"end":1640.405,"confidence":0.7944336,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.18543687462806704},{"word":"it","start":1640.405,"end":1640.485,"confidence":0.9836426,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.2094289064407349},{"word":"but","start":1640.485,"end":1640.725,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.17259305715560913},{"word":"it","start":1640.725,"end":1640.805,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2229633033275604},{"word":"is","start":1640.805,"end":1640.9651,"confidence":0.9892578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1529727429151535},{"word":"just","start":1640.9651,"end":1641.2051,"confidence":0.97314453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21720562875270844},{"word":"a","start":1641.2051,"end":1641.285,"confidence":0.59814453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13892176747322085},{"word":"$17.26","start":1641.285,"end":1642.645,"confidence":0.99226886,"punctuated_word":"$17.26","sentiment":"neutral","sentiment_score":0.1384333372116089},{"word":"per","start":1642.645,"end":1642.805,"confidence":0.9980469,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.09279738366603851},{"word":"month","start":1642.805,"end":1643.125,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.1307254135608673},{"word":"for","start":1643.125,"end":1643.2051,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18978901207447052},{"word":"that","start":1643.2051,"end":1643.4451,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21767234802246097},{"word":"one","start":1643.4451,"end":1643.8451,"confidence":0.96240234,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.22443298995494845},{"word":"and","start":1643.8451,"end":1644.005,"confidence":0.94970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.25653839111328125},{"word":"then","start":1644.005,"end":1644.245,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2098168581724167},{"word":"the","start":1644.245,"end":1644.405,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2461845576763153},{"word":"same","start":1644.405,"end":1644.5651,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.22494691610336304},{"word":"as","start":1644.5651,"end":1644.725,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22733746469020844},{"word":"last","start":1644.725,"end":1644.9651,"confidence":0.99121094,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.18291181325912476},{"word":"time","start":1644.9651,"end":1645.125,"confidence":0.9628906,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.23710916936397552},{"word":"like","start":1645.125,"end":1645.285,"confidence":0.94555664,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2696583867073059},{"word":"with","start":1645.285,"end":1645.4451,"confidence":0.99902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3392367959022522},{"word":"these","start":1645.4451,"end":1645.685,"confidence":0.9863281,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.31437212228775024},{"word":"policies","start":1645.685,"end":1646.165,"confidence":0.98535156,"punctuated_word":"policies,","sentiment":"neutral","sentiment_score":0.3107048273086548},{"word":"the","start":1646.165,"end":1646.3251,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4791694581508637},{"word":"best","start":1646.3251,"end":1646.5651,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.5578703880310059},{"word":"thing","start":1646.5651,"end":1646.725,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.647979736328125},{"word":"about","start":1646.725,"end":1646.9651,"confidence":0.99902344,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.569852888584137},{"word":"them","start":1646.9651,"end":1647.2051,"confidence":0.9980469,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.6085745692253113},{"word":"is","start":1647.2051,"end":1647.365,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4968978464603424},{"word":"that","start":1647.365,"end":1647.525,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4811389446258545},{"word":"you're","start":1647.525,"end":1647.685,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.47902023792266846},{"word":"making","start":1647.685,"end":1648.185,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.4786863625049591},{"word":"or","start":1648.2,"end":1648.44,"confidence":0.98535156,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.4361930787563324},{"word":"setting","start":1648.44,"end":1648.6,"confidence":0.9980469,"punctuated_word":"setting","sentiment":"positive","sentiment_score":0.4066053628921509},{"word":"them","start":1648.6,"end":1648.6799,"confidence":1.0,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.4411552846431732},{"word":"up","start":1648.6799,"end":1648.9199,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3883938789367676},{"word":"while","start":1648.9199,"end":1649.1599,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.31816792488098145},{"word":"they're","start":1649.1599,"end":1649.3999,"confidence":0.99658203,"punctuated_word":"they're","sentiment":"positive","sentiment_score":0.34324175119400024},{"word":"young","start":1649.3999,"end":1649.72,"confidence":0.94018555,"punctuated_word":"young.","sentiment":"positive","sentiment_score":0.3686144649982453},{"word":"so","start":1649.72,"end":1649.96,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.32186058163642883},{"word":"when","start":1649.96,"end":1650.12,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.3179551959037781},{"word":"they","start":1650.12,"end":1650.36,"confidence":1.0,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.3653230369091034},{"word":"do","start":1650.36,"end":1650.6,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22505179047584536},{"word":"turn","start":1650.6,"end":1651.0,"confidence":0.9941406,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.26890629529953003},{"word":"21","start":1651.0,"end":1651.74,"confidence":0.9992676,"punctuated_word":"21,","sentiment":"neutral","sentiment_score":0.26927223801612854},{"word":"the","start":1651.96,"end":1652.12,"confidence":0.62353516,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35215485095977783},{"word":"policies","start":1652.12,"end":1652.62,"confidence":0.9375,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.2402488887310028},{"word":"revert","start":1652.76,"end":1653.24,"confidence":0.97998047,"punctuated_word":"revert","sentiment":"neutral","sentiment_score":0.2785217761993408},{"word":"to","start":1653.24,"end":1653.48,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27994129061698914},{"word":"adult","start":1653.48,"end":1653.88,"confidence":0.92089844,"punctuated_word":"adult","sentiment":"neutral","sentiment_score":0.24061159789562225},{"word":"life","start":1653.88,"end":1654.12,"confidence":0.9770508,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.2307899445295334},{"word":"policies","start":1654.12,"end":1654.62,"confidence":0.8227539,"punctuated_word":"policies,","sentiment":"neutral","sentiment_score":0.268011212348938},{"word":"and","start":1654.84,"end":1655.08,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26978641748428345},{"word":"they've","start":1655.08,"end":1655.24,"confidence":0.9265137,"punctuated_word":"they've","sentiment":"positive","sentiment_score":0.36897730827331543},{"word":"had","start":1655.24,"end":1655.3999,"confidence":0.96777344,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4269708693027496},{"word":"these","start":1655.3999,"end":1655.72,"confidence":0.9902344,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.3881825506687164},{"word":"policies","start":1655.72,"end":1656.2,"confidence":0.99902344,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.2907049357891083},{"word":"in","start":1656.2,"end":1656.36,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3645037710666657},{"word":"place","start":1656.36,"end":1656.6799,"confidence":0.9682617,"punctuated_word":"place.","sentiment":"positive","sentiment_score":0.347333163022995},{"word":"so","start":1656.6799,"end":1657.08,"confidence":0.9980469,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3857766091823578},{"word":"any","start":1657.08,"end":1657.3999,"confidence":0.9980469,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.4407288432121277},{"word":"additional","start":1657.3999,"end":1657.7999,"confidence":1.0,"punctuated_word":"additional","sentiment":"positive","sentiment_score":0.34366318583488464},{"word":"there's","start":1658.0399,"end":1658.2799,"confidence":0.98950195,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.378206342458725},{"word":"no","start":1658.2799,"end":1658.44,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.2944817543029785},{"word":"additional","start":1658.44,"end":1658.94,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.06066130101680755},{"word":"underwriting","start":1659.0,"end":1659.5,"confidence":0.99902344,"punctuated_word":"underwriting","sentiment":"neutral","sentiment_score":0.02614031732082367},{"word":"for","start":1659.5599,"end":1659.72,"confidence":0.73828125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1835496425628662},{"word":"the","start":1659.72,"end":1660.0399,"confidence":0.50439453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26908284425735474},{"word":"transfer","start":1660.0399,"end":1660.5199,"confidence":0.9863281,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":0.15259696543216705},{"word":"of","start":1660.5199,"end":1660.6,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.34083887934684753},{"word":"these","start":1660.6,"end":1660.84,"confidence":0.9970703,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.40656858682632446},{"word":"policies","start":1660.84,"end":1661.32,"confidence":0.99902344,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.24562431871891025},{"word":"to","start":1661.32,"end":1661.48,"confidence":0.97265625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32164832949638367},{"word":"their","start":1661.48,"end":1661.72,"confidence":0.99902344,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.24531453847885132},{"word":"name","start":1661.72,"end":1662.0399,"confidence":0.9970703,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.28046128153800964},{"word":"when","start":1662.0399,"end":1662.2,"confidence":0.76416016,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.30540981888771057},{"word":"they're","start":1662.2,"end":1662.44,"confidence":0.98950195,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.3323759436607361},{"word":"older","start":1662.44,"end":1662.76,"confidence":0.97753906,"punctuated_word":"older,","sentiment":"neutral","sentiment_score":0.32459205389022827},{"word":"which","start":1662.76,"end":1662.9199,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.513251781463623},{"word":"is","start":1662.9199,"end":1663.1599,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5942707657814026},{"word":"kind","start":1663.1599,"end":1663.3999,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.5986400246620178},{"word":"of","start":1663.3999,"end":1663.48,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6445403099060059},{"word":"cool","start":1663.48,"end":1663.98,"confidence":0.99902344,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.5628824830055237},{"word":"it","start":1664.595,"end":1664.675,"confidence":0.9941406,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5196227431297302},{"word":"just","start":1664.675,"end":1664.915,"confidence":0.9970703,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5525012016296387},{"word":"sort","start":1664.915,"end":1665.075,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.531538724899292},{"word":"of","start":1665.075,"end":1665.235,"confidence":0.8256836,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5579971075057983},{"word":"protects","start":1665.235,"end":1665.635,"confidence":1.0,"punctuated_word":"protects","sentiment":"positive","sentiment_score":0.44758790731430054},{"word":"them","start":1665.635,"end":1665.795,"confidence":1.0,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.49723753333091736},{"word":"in","start":1665.795,"end":1665.955,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4417212009429931},{"word":"the","start":1665.955,"end":1666.035,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4982554316520691},{"word":"event","start":1666.035,"end":1666.275,"confidence":0.9980469,"punctuated_word":"event","sentiment":"positive","sentiment_score":0.4155575931072235},{"word":"that","start":1666.275,"end":1666.4349,"confidence":0.99121094,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4338248074054718},{"word":"something","start":1666.4349,"end":1666.835,"confidence":1.0,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.4138554632663727},{"word":"happens","start":1666.835,"end":1667.335,"confidence":0.84594727,"punctuated_word":"happens.","sentiment":"neutral","sentiment_score":0.3223526179790497},{"word":"and","start":1667.875,"end":1667.955,"confidence":0.9580078,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3520745038986206},{"word":"it","start":1667.955,"end":1668.115,"confidence":0.9941406,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4368171095848083},{"word":"also","start":1668.115,"end":1668.4349,"confidence":0.9951172,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.3667411208152771},{"word":"pays","start":1668.4349,"end":1668.675,"confidence":0.99902344,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.27356743812561035},{"word":"out","start":1668.675,"end":1668.835,"confidence":0.9375,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3456842005252838},{"word":"a","start":1668.835,"end":1668.915,"confidence":0.9941406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3928370475769043},{"word":"lump","start":1668.915,"end":1669.235,"confidence":1.0,"punctuated_word":"lump","sentiment":"positive","sentiment_score":0.3563643991947174},{"word":"sum","start":1669.235,"end":1669.5549,"confidence":0.9902344,"punctuated_word":"sum","sentiment":"positive","sentiment_score":0.4163127839565277},{"word":"benefit","start":1669.5549,"end":1670.0549,"confidence":0.9707031,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.4327017366886139},{"word":"of","start":1670.4349,"end":1670.595,"confidence":0.9716797,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4385150671005249},{"word":"the","start":1670.595,"end":1670.835,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3617941439151764},{"word":"funds","start":1670.835,"end":1671.155,"confidence":0.97998047,"punctuated_word":"funds","sentiment":"positive","sentiment_score":0.3774665892124176},{"word":"if","start":1671.155,"end":1671.315,"confidence":0.9892578,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.35172349214553833},{"word":"they","start":1671.315,"end":1671.5549,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2721325755119324},{"word":"pass","start":1671.5549,"end":1671.795,"confidence":0.7446289,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.22189894318580627},{"word":"away","start":1671.795,"end":1672.115,"confidence":0.9970703,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.2789362668991089},{"word":"as","start":1672.115,"end":1672.275,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.29720041155815125},{"word":"well","start":1672.275,"end":1672.515,"confidence":0.95825195,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.30825722217559814},{"word":"so","start":1672.515,"end":1672.835,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.26865118741989136},{"word":"child","start":1672.835,"end":1673.075,"confidence":0.82470703,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.2730870842933655},{"word":"trauma","start":1673.075,"end":1673.475,"confidence":0.9980469,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.18935342133045197},{"word":"pays","start":1673.475,"end":1673.715,"confidence":0.99609375,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.203377902507782},{"word":"out","start":1673.715,"end":1673.875,"confidence":0.73779297,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2318153530359268},{"word":"in","start":1673.875,"end":1674.035,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2056012898683548},{"word":"the","start":1674.035,"end":1674.115,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2258351743221283},{"word":"event","start":1674.115,"end":1674.4349,"confidence":0.9980469,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.159429132938385},{"word":"of","start":1674.4349,"end":1674.595,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1105036735534668},{"word":"a","start":1674.595,"end":1674.675,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1521826684474945},{"word":"major","start":1674.675,"end":1674.995,"confidence":1.0,"punctuated_word":"major","sentiment":"neutral","sentiment_score":0.04969331622123718},{"word":"traumatic","start":1674.995,"end":1675.495,"confidence":0.9970703,"punctuated_word":"traumatic","sentiment":"neutral","sentiment_score":0.04992130026221275},{"word":"condition","start":1675.5549,"end":1676.035,"confidence":0.7963867,"punctuated_word":"condition,","sentiment":"neutral","sentiment_score":0.12359919399023056},{"word":"but","start":1676.035,"end":1676.275,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2264152616262436},{"word":"if","start":1676.275,"end":1676.4349,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2382119745016098},{"word":"they","start":1676.4349,"end":1676.595,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.16325335204601288},{"word":"pass","start":1676.595,"end":1676.835,"confidence":0.7055664,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.07299552857875824},{"word":"away","start":1676.835,"end":1677.155,"confidence":0.9819336,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":0.2112775146961212},{"word":"you","start":1677.155,"end":1677.315,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3996555507183075},{"word":"can","start":1677.315,"end":1677.475,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3400474190711975},{"word":"also","start":1677.475,"end":1677.795,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.29407453536987305},{"word":"claim","start":1677.795,"end":1678.295,"confidence":0.99902344,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.22310736775398257},{"word":"on","start":1678.515,"end":1678.755,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.30305299162864685},{"word":"that","start":1678.755,"end":1678.915,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31915387511253357},{"word":"policy","start":1678.915,"end":1679.415,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.25377073884010315},{"word":"as","start":1679.475,"end":1679.635,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.32857298851013184},{"word":"well","start":1679.635,"end":1680.09,"confidence":0.98999023,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2997121512889862},{"word":"so","start":1680.49,"end":1680.65,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3111127018928528},{"word":"it","start":1680.65,"end":1680.97,"confidence":0.9970703,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.34343421459198},{"word":"kinda","start":1680.97,"end":1681.21,"confidence":0.984375,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.3629044592380524},{"word":"gives","start":1681.21,"end":1681.45,"confidence":0.99902344,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.29426878690719604},{"word":"you","start":1681.45,"end":1681.9299,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2894342243671417},{"word":"a","start":1681.9299,"end":1682.1699,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3101441264152527},{"word":"little","start":1682.1699,"end":1682.33,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.33004313707351685},{"word":"bit","start":1682.33,"end":1682.57,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2956235110759735},{"word":"of","start":1682.57,"end":1682.65,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27087292075157166},{"word":"extra","start":1682.65,"end":1683.0499,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.2975519299507141},{"word":"cover","start":1683.0499,"end":1683.45,"confidence":0.9970703,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.15596634149551392},{"word":"for","start":1683.45,"end":1683.77,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1724730283021927},{"word":"a","start":1683.77,"end":1683.9299,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19786599278450012},{"word":"very","start":1683.9299,"end":1684.25,"confidence":0.9921875,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.25143498182296753},{"word":"small","start":1684.25,"end":1684.49,"confidence":0.9980469,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.26296308636665344},{"word":"out","start":1684.49,"end":1684.57,"confidence":0.98095703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.24143975973129272},{"word":"of","start":1684.57,"end":1684.73,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15966205298900604},{"word":"pocket","start":1684.73,"end":1685.21,"confidence":0.9980469,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":0.24742835760116577},{"word":"cost","start":1685.21,"end":1685.5299,"confidence":0.8088379,"punctuated_word":"cost,","sentiment":"neutral","sentiment_score":0.2541976869106293},{"word":"essentially","start":1685.5299,"end":1686.0299,"confidence":0.99902344,"punctuated_word":"essentially.","sentiment":"neutral","sentiment_score":0.22884443402290344},{"word":"yeah","start":1687.5299,"end":1688.0299,"confidence":0.8652344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3324429392814636},{"word":"all","start":1688.65,"end":1688.97,"confidence":0.6743164,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.611154317855835},{"word":"good","start":1688.97,"end":1689.47,"confidence":0.9926758,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.47923606634140015},{"word":"the","start":1690.25,"end":1690.49,"confidence":0.7285156,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.22117573022842407},{"word":"other","start":1690.49,"end":1690.73,"confidence":0.92089844,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1444362998008728},{"word":"side","start":1690.73,"end":1690.97,"confidence":0.671875,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.14769072830677032},{"word":"of","start":1690.97,"end":1691.0499,"confidence":0.9526367,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13079585134983063},{"word":"that","start":1691.0499,"end":1691.21,"confidence":0.9160156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14066645503044128},{"word":"is","start":1691.21,"end":1691.37,"confidence":0.8535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13698053359985352},{"word":"just","start":1691.37,"end":1691.61,"confidence":0.67285156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14801771938800812},{"word":"the","start":1691.61,"end":1691.69,"confidence":0.8100586,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17847152054309845},{"word":"beneficiary","start":1691.69,"end":1692.165,"confidence":0.45874023,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.2089604139328003},{"word":"side","start":1692.485,"end":1692.7251,"confidence":0.9663086,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":0.1857007741928101},{"word":"so","start":1692.7251,"end":1693.045,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1866704225540161},{"word":"we","start":1693.045,"end":1693.2051,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18627382814884183},{"word":"did","start":1693.2051,"end":1693.4451,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.19137494266033173},{"word":"make","start":1693.4451,"end":1693.685,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.19018304347991943},{"word":"that","start":1693.685,"end":1693.765,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2126208245754242},{"word":"we","start":1693.8451,"end":1694.005,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19879475235939023},{"word":"did","start":1694.005,"end":1694.165,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.19703063368797305},{"word":"talk","start":1694.165,"end":1694.405,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.18099159002304077},{"word":"about","start":1694.405,"end":1694.7251,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.18675477802753448},{"word":"how","start":1694.7251,"end":1694.885,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.16617867350578308},{"word":"you","start":1694.885,"end":1695.045,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1637047827243805},{"word":"wanted","start":1695.045,"end":1695.545,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.16280046105384827},{"word":"in","start":1695.765,"end":1695.8451,"confidence":0.42456055,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1674969047307968},{"word":"the","start":1695.8451,"end":1696.0851,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15083029866218567},{"word":"event","start":1696.0851,"end":1696.405,"confidence":0.9790039,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.15183673799037933},{"word":"of","start":1696.405,"end":1696.645,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08684035390615463},{"word":"passing","start":1696.645,"end":1697.145,"confidence":0.88012695,"punctuated_word":"passing,","sentiment":"neutral","sentiment_score":0.10862632840871812},{"word":"essentially","start":1697.4451,"end":1697.8451,"confidence":0.9802246,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.16178038716316223},{"word":"the","start":1697.8451,"end":1698.005,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18963727355003357},{"word":"funds","start":1698.005,"end":1698.3251,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.14899590611457825},{"word":"to","start":1698.3251,"end":1698.405,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19205576181411743},{"word":"be","start":1698.405,"end":1698.645,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.18580090999603271},{"word":"paid","start":1698.645,"end":1698.9651,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.1623505800962448},{"word":"directly","start":1698.9651,"end":1699.365,"confidence":1.0,"punctuated_word":"directly","sentiment":"neutral","sentiment_score":0.2422969341278076},{"word":"to","start":1699.365,"end":1699.525,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26238614320755005},{"word":"your","start":1699.525,"end":1699.765,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18919244408607483},{"word":"two","start":1699.765,"end":1700.005,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.14181068539619446},{"word":"kids","start":1700.005,"end":1700.505,"confidence":0.9921875,"punctuated_word":"kids.","sentiment":"neutral","sentiment_score":0.1760532259941101},{"word":"i've","start":1701.125,"end":1701.4451,"confidence":0.98291016,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1911846101284027},{"word":"updated","start":1701.4451,"end":1701.9451,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.17792710661888125},{"word":"the","start":1702.0851,"end":1702.3251,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19005918502807617},{"word":"beneficiary","start":1702.3251,"end":1702.8251,"confidence":0.9902344,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.14533701539039612},{"word":"recommendations","start":1703.125,"end":1703.625,"confidence":0.9921875,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.19029662013053897},{"word":"to","start":1703.925,"end":1704.0851,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20457935333251953},{"word":"the","start":1704.0851,"end":1704.245,"confidence":0.6977539,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16249430179595947},{"word":"legal","start":1704.245,"end":1704.645,"confidence":0.9951172,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.1500374972820282},{"word":"personal","start":1704.645,"end":1705.125,"confidence":0.98095703,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.11235414445400238},{"word":"representative","start":1705.125,"end":1705.625,"confidence":0.99902344,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.14094732701778412},{"word":"on","start":1706.0851,"end":1706.3251,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17260879278182983},{"word":"your","start":1706.3251,"end":1706.645,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21342705190181732},{"word":"super","start":1706.645,"end":1707.145,"confidence":0.6994629,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.21472400426864624},{"word":"the","start":1707.38,"end":1707.4601,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23835287988185885},{"word":"metlife","start":1707.4601,"end":1707.9601,"confidence":0.99658203,"punctuated_word":"MetLife","sentiment":"neutral","sentiment_score":0.2002730667591095},{"word":"life","start":1708.02,"end":1708.3401,"confidence":0.85498047,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.17194849252700806},{"word":"policy","start":1708.3401,"end":1708.8201,"confidence":0.89086914,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.20025955140590668},{"word":"and","start":1708.8201,"end":1709.06,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2458824068307877},{"word":"also","start":1709.06,"end":1709.38,"confidence":0.86328125,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.22287359833717343},{"word":"the","start":1709.38,"end":1709.54,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2665107548236847},{"word":"new","start":1709.54,"end":1709.78,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.23613125085830688},{"word":"recommended","start":1709.78,"end":1710.28,"confidence":0.9941406,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.26854419708251953},{"word":"clearview","start":1710.5,"end":1710.9801,"confidence":0.7253418,"punctuated_word":"Clearview","sentiment":"neutral","sentiment_score":0.22384113073349},{"word":"life","start":1710.9801,"end":1711.2201,"confidence":0.7890625,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.19351214170455933},{"word":"policy","start":1711.2201,"end":1711.7001,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.2045269310474396},{"word":"as","start":1711.7001,"end":1711.8601,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27386072278022766},{"word":"well","start":1711.8601,"end":1712.3601,"confidence":0.9526367,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.22987613081932068},{"word":"which","start":1712.66,"end":1712.9801,"confidence":0.6870117,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2173321545124054},{"word":"essentially","start":1712.9801,"end":1713.4601,"confidence":0.97509766,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.16113179922103882},{"word":"means","start":1713.4601,"end":1713.78,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.17174836993217468},{"word":"that","start":1713.78,"end":1714.02,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18615683913230896},{"word":"in","start":1714.02,"end":1714.18,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1508464813232422},{"word":"the","start":1714.18,"end":1714.3401,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17246603965759277},{"word":"event","start":1714.3401,"end":1714.66,"confidence":0.984375,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.15676307678222656},{"word":"that","start":1714.66,"end":1714.8201,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16910216212272644},{"word":"you","start":1714.8201,"end":1714.9801,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1572895646095276},{"word":"were","start":1714.9801,"end":1715.2201,"confidence":0.9770508,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.15335983037948608},{"word":"to","start":1715.2201,"end":1715.38,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12400689721107484},{"word":"pass","start":1715.38,"end":1715.62,"confidence":0.97509766,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.01676955819129944},{"word":"away","start":1715.62,"end":1716.12,"confidence":0.98828125,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":0.15504539012908936},{"word":"all","start":1716.8201,"end":1716.9801,"confidence":0.9863281,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2605721950531006},{"word":"of","start":1716.9801,"end":1717.2201,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2441455274820328},{"word":"the","start":1717.2201,"end":1717.7201,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2720670998096466},{"word":"having","start":1718.5801,"end":1718.9,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.30288463830947876},{"word":"this","start":1718.9,"end":1719.2201,"confidence":0.98535156,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2544640898704529},{"word":"updated","start":1719.2201,"end":1719.7201,"confidence":0.9980469,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2376365065574646},{"word":"means","start":1719.9401,"end":1720.18,"confidence":0.9838867,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.2395632266998291},{"word":"that","start":1720.18,"end":1720.42,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2442302703857422},{"word":"all","start":1720.42,"end":1720.5801,"confidence":0.9941406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2541433572769165},{"word":"of","start":1720.5801,"end":1720.74,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26601889729499817},{"word":"the","start":1720.74,"end":1720.9801,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3040747046470642},{"word":"super","start":1720.9801,"end":1721.3,"confidence":0.9902344,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.34122416377067566},{"word":"and","start":1721.3,"end":1721.4601,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2539997100830078},{"word":"life","start":1721.4601,"end":1721.62,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.20436039566993713},{"word":"insurance","start":1721.62,"end":1721.636,"confidence":0.9921875,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.20746180415153503},{"word":"proceeds","start":1721.636,"end":1721.652,"confidence":0.9482422,"punctuated_word":"proceeds","sentiment":"neutral","sentiment_score":0.32648181915283203},{"word":"are","start":1721.652,"end":1721.668,"confidence":0.7963867,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3500383198261261},{"word":"directed","start":1721.668,"end":1721.684,"confidence":0.8569336,"punctuated_word":"directed","sentiment":"neutral","sentiment_score":0.3230210542678833},{"word":"through","start":1721.684,"end":1721.7,"confidence":0.68359375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.23427441716194153},{"word":"your","start":1721.7,"end":1721.7161,"confidence":0.7675781,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.27391016483306885},{"word":"will","start":1721.7161,"end":1721.732,"confidence":0.67626953,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.03586731478571892},{"word":"and","start":1721.732,"end":1721.748,"confidence":0.7753906,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08854605257511139},{"word":"then","start":1721.748,"end":1721.764,"confidence":0.79296875,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11911323666572572},{"word":"it's","start":1721.764,"end":1721.78,"confidence":0.7578125,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1240413635969162},{"word":"just","start":1721.78,"end":1721.796,"confidence":0.9135742,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14049117267131803},{"word":"really","start":1721.796,"end":1721.812,"confidence":0.890625,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.14397546648979187},{"word":"important","start":1721.812,"end":1721.828,"confidence":0.82714844,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.1237371489405632},{"word":"that","start":1721.828,"end":1721.844,"confidence":0.89453125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1602873653173447},{"word":"your","start":1721.844,"end":1721.8601,"confidence":0.82910156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16290803253650665},{"word":"will","start":1721.8601,"end":1721.8761,"confidence":0.77685547,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.16319148242473602},{"word":"is","start":1721.8761,"end":1721.8921,"confidence":0.7553711,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1799955666065216},{"word":"done","start":1721.8921,"end":1721.9081,"confidence":0.7734375,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.16588306427001953},{"word":"up","start":1721.9081,"end":1721.9241,"confidence":0.7064209,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.14450690150260925},{"word":"and","start":1721.9241,"end":1721.9401,"confidence":0.9536133,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12230755388736723},{"word":"that","start":1721.9401,"end":1722.1901,"confidence":0.9482422,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1250552088022232},{"word":"is","start":1722.1901,"end":1722.6901,"confidence":0.85498047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11292882263660432},{"word":"stipulated","start":1727.355,"end":1727.855,"confidence":0.8227539,"punctuated_word":"stipulated","sentiment":"neutral","sentiment_score":0.13605807721614838},{"word":"in","start":1727.915,"end":1727.9951,"confidence":0.88183594,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10299208760261536},{"word":"the","start":1727.9951,"end":1728.0751,"confidence":0.8745117,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11165763437747955},{"word":"body","start":1728.0751,"end":1728.395,"confidence":0.94970703,"punctuated_word":"body","sentiment":"neutral","sentiment_score":0.10013280808925629},{"word":"of","start":1728.395,"end":1728.475,"confidence":0.9536133,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1016683429479599},{"word":"the","start":1728.475,"end":1728.635,"confidence":0.8935547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09767063707113266},{"word":"will","start":1728.635,"end":1729.135,"confidence":0.7006836,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.12148693948984146},{"word":"how","start":1729.1951,"end":1729.355,"confidence":0.8881836,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.09205946326255798},{"word":"you","start":1729.355,"end":1729.435,"confidence":0.95947266,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10167030245065688},{"word":"would","start":1729.435,"end":1729.595,"confidence":0.92333984,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08593374490737915},{"word":"like","start":1729.595,"end":1729.8351,"confidence":0.9003906,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07516025751829147},{"word":"those","start":1729.8351,"end":1730.0751,"confidence":0.93359375,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0835995078086853},{"word":"funds","start":1730.0751,"end":1730.475,"confidence":0.96972656,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.09062649309635162},{"word":"to","start":1730.475,"end":1730.555,"confidence":0.9506836,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07453891634941101},{"word":"be","start":1730.555,"end":1730.715,"confidence":0.87890625,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0832362025976181},{"word":"paid","start":1730.715,"end":1731.215,"confidence":0.89501953,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.10229506343603134},{"word":"so","start":1731.435,"end":1731.675,"confidence":0.44677734,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13896144926548004},{"word":"they","start":1731.675,"end":1731.915,"confidence":0.9326172,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.13553839921951294},{"word":"are","start":1731.915,"end":1732.0751,"confidence":0.96533203,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10759410262107848},{"word":"paid","start":1732.0751,"end":1732.555,"confidence":0.7495117,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.11654534935951232},{"word":"to","start":1732.555,"end":1732.635,"confidence":0.94628906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13301441073417664},{"word":"your","start":1732.635,"end":1732.875,"confidence":0.9536133,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12802328169345856},{"word":"kids","start":1732.875,"end":1733.375,"confidence":0.9367676,"punctuated_word":"kids.","sentiment":"neutral","sentiment_score":0.09514502435922624},{"word":"one","start":1733.515,"end":1733.6217,"confidence":0.9116211,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.05644524469971657},{"word":"of","start":1733.6217,"end":1733.7284,"confidence":0.90234375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05035872012376785},{"word":"the","start":1733.7284,"end":1733.8351,"confidence":0.9248047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06574375927448273},{"word":"biggest","start":1733.8351,"end":1734.155,"confidence":0.9658203,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.049557242542505264},{"word":"things","start":1734.155,"end":1734.475,"confidence":0.9291992,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.08800141513347626},{"word":"is","start":1734.475,"end":1734.635,"confidence":0.9560547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.058010444045066833},{"word":"because","start":1734.635,"end":1735.035,"confidence":0.8569336,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03971373289823532},{"word":"they","start":1735.035,"end":1735.1951,"confidence":0.9951172,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.041178107261657715},{"word":"are","start":1735.1951,"end":1735.355,"confidence":0.98291016,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.028764016926288605},{"word":"so","start":1735.355,"end":1735.595,"confidence":0.9658203,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.01942180097103119},{"word":"young","start":1735.595,"end":1736.095,"confidence":0.9765625,"punctuated_word":"young,","sentiment":"neutral","sentiment_score":0.0005836430937051773},{"word":"the","start":1736.395,"end":1736.475,"confidence":0.82177734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02224283292889595},{"word":"funds","start":1736.475,"end":1736.795,"confidence":0.9980469,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.003219112753868103},{"word":"are","start":1736.795,"end":1736.875,"confidence":0.9941406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.009831096976995468},{"word":"not","start":1736.875,"end":1737.18,"confidence":0.9921875,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.024862024933099747},{"word":"paid","start":1737.18,"end":1737.5,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.045432038605213165},{"word":"directly","start":1737.5,"end":1737.9801,"confidence":1.0,"punctuated_word":"directly","sentiment":"neutral","sentiment_score":-0.05450141802430153},{"word":"to","start":1737.9801,"end":1738.3,"confidence":0.80322266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05050234869122505},{"word":"the","start":1738.3,"end":1738.38,"confidence":0.7529297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06361013650894165},{"word":"minor","start":1738.38,"end":1738.78,"confidence":0.8691406,"punctuated_word":"minor","sentiment":"neutral","sentiment_score":-0.042709510773420334},{"word":"children","start":1738.78,"end":1739.18,"confidence":0.9477539,"punctuated_word":"children.","sentiment":"neutral","sentiment_score":-0.034735701978206635},{"word":"they're","start":1739.18,"end":1739.3401,"confidence":0.98339844,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.0032525374554097652},{"word":"paid","start":1739.3401,"end":1739.5801,"confidence":0.9970703,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.0006972476840019226},{"word":"to","start":1739.5801,"end":1739.7401,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010108478367328644},{"word":"their","start":1739.7401,"end":1739.9,"confidence":0.9716797,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.006957687437534332},{"word":"guardian","start":1739.9,"end":1740.4,"confidence":0.86743164,"punctuated_word":"guardian.","sentiment":"neutral","sentiment_score":0.0005096690729260445},{"word":"so","start":1740.62,"end":1741.1001,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06843148171901703},{"word":"having","start":1741.1001,"end":1741.42,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.10243190079927444},{"word":"it","start":1741.42,"end":1741.5801,"confidence":0.96435547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1154717653989792},{"word":"directed","start":1741.5801,"end":1741.9801,"confidence":0.9980469,"punctuated_word":"directed","sentiment":"neutral","sentiment_score":0.14500536024570465},{"word":"through","start":1741.9801,"end":1742.2201,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.15162011981010437},{"word":"your","start":1742.2201,"end":1742.38,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1738843023777008},{"word":"will","start":1742.38,"end":1742.7001,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2000446766614914},{"word":"means","start":1742.7001,"end":1742.9401,"confidence":0.99902344,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.1116456538438797},{"word":"that","start":1742.9401,"end":1743.1001,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12631599605083466},{"word":"you","start":1743.1001,"end":1743.18,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12511347234249115},{"word":"can","start":1743.18,"end":1743.3401,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1075257956981659},{"word":"have","start":1743.3401,"end":1743.8401,"confidence":0.9970703,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.099419504404068},{"word":"you","start":1744.2201,"end":1744.38,"confidence":0.8154297,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0960162952542305},{"word":"know","start":1744.38,"end":1744.54,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0891658216714859},{"word":"trust","start":1744.54,"end":1744.9401,"confidence":0.9760742,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":0.10413280129432678},{"word":"set","start":1744.9401,"end":1745.18,"confidence":0.91748047,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.12970241904258728},{"word":"up","start":1745.18,"end":1745.3401,"confidence":0.92871094,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.12092799693346024},{"word":"you","start":1745.3401,"end":1745.5,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.10703574120998384},{"word":"can","start":1745.5,"end":1745.7401,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12389011681079865},{"word":"have","start":1745.7401,"end":1746.2401,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15365681052207947},{"word":"stipulations","start":1746.3,"end":1746.8,"confidence":0.8232422,"punctuated_word":"stipulations","sentiment":"neutral","sentiment_score":0.13747718930244446},{"word":"made","start":1747.26,"end":1747.5,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.123432494699955},{"word":"on","start":1747.5,"end":1747.7401,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.094033345580101},{"word":"who","start":1747.7401,"end":1747.9,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.05256091058254242},{"word":"the","start":1747.9,"end":1748.06,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.050857819616794586},{"word":"money","start":1748.06,"end":1748.4601,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.06645013391971588},{"word":"goes","start":1748.4601,"end":1748.78,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.05686159431934357},{"word":"to","start":1748.78,"end":1749.02,"confidence":0.8984375,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.0701368898153305},{"word":"whether","start":1749.02,"end":1749.3401,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.07378389686346054},{"word":"you","start":1749.3401,"end":1749.5801,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05637728050351143},{"word":"want","start":1749.5801,"end":1749.915,"confidence":0.9980469,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":0.05425155535340309},{"word":"you","start":1749.915,"end":1750.0751,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0584210604429245},{"word":"know","start":1750.0751,"end":1750.235,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0655108392238617},{"word":"more","start":1750.235,"end":1750.395,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05400962382555008},{"word":"than","start":1750.395,"end":1750.635,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.05607322230935097},{"word":"one","start":1750.635,"end":1750.875,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05734451860189438},{"word":"person","start":1750.875,"end":1751.1951,"confidence":1.0,"punctuated_word":"person","sentiment":"neutral","sentiment_score":0.07117676734924316},{"word":"to","start":1751.1951,"end":1751.355,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04566390812397003},{"word":"be","start":1751.355,"end":1751.5951,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.033876799046993256},{"word":"the","start":1751.5951,"end":1751.675,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0412643663585186},{"word":"guardian","start":1751.675,"end":1752.155,"confidence":1.0,"punctuated_word":"guardian","sentiment":"neutral","sentiment_score":0.05881882458925247},{"word":"of","start":1752.155,"end":1752.3151,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07473213970661163},{"word":"the","start":1752.3151,"end":1752.395,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06814321875572205},{"word":"funds","start":1752.395,"end":1752.7151,"confidence":0.99902344,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.04883110895752907},{"word":"and","start":1752.7151,"end":1752.9551,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06839984655380249},{"word":"pay","start":1752.9551,"end":1753.1951,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.060070108622312546},{"word":"the","start":1753.1951,"end":1753.275,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07643686980009079},{"word":"funds","start":1753.275,"end":1753.5951,"confidence":0.9970703,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.07424835115671158},{"word":"out","start":1753.5951,"end":1753.755,"confidence":0.91748047,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.08544649928808212},{"word":"in","start":1753.755,"end":1753.915,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0754164308309555},{"word":"certain","start":1753.915,"end":1754.3151,"confidence":0.9980469,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.09762920439243317},{"word":"ways","start":1754.3151,"end":1754.8151,"confidence":0.939209,"punctuated_word":"ways,","sentiment":"neutral","sentiment_score":0.084872305393219},{"word":"income","start":1754.875,"end":1755.355,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0826508179306984},{"word":"streams","start":1755.355,"end":1755.8351,"confidence":0.98095703,"punctuated_word":"streams","sentiment":"neutral","sentiment_score":0.07200726866722107},{"word":"as","start":1755.8351,"end":1755.995,"confidence":0.9448242,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0931040346622467},{"word":"they","start":1755.995,"end":1756.235,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07660932093858719},{"word":"get","start":1756.235,"end":1756.395,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06081166863441467},{"word":"older","start":1756.395,"end":1756.895,"confidence":0.89282227,"punctuated_word":"older,","sentiment":"neutral","sentiment_score":0.05609622225165367},{"word":"or","start":1757.035,"end":1757.275,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07737422734498978},{"word":"if","start":1757.275,"end":1757.435,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08483679592609406},{"word":"you","start":1757.435,"end":1757.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09740041196346284},{"word":"wanna","start":1757.515,"end":1757.8351,"confidence":0.6538086,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09235607832670212},{"word":"pay","start":1757.8351,"end":1758.0751,"confidence":0.9667969,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.07575995475053787},{"word":"to","start":1758.0751,"end":1758.235,"confidence":0.9667969,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09418950974941254},{"word":"a","start":1758.235,"end":1758.395,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09191016852855682},{"word":"certain","start":1758.395,"end":1758.795,"confidence":1.0,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.09012771397829056},{"word":"adult","start":1758.795,"end":1759.115,"confidence":0.9980469,"punctuated_word":"adult","sentiment":"neutral","sentiment_score":0.0813438892364502},{"word":"to","start":1759.115,"end":1759.275,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14652013778686523},{"word":"make","start":1759.275,"end":1759.435,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1495283544063568},{"word":"sure","start":1759.435,"end":1759.5951,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1630491316318512},{"word":"the","start":1759.5951,"end":1759.755,"confidence":0.90771484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18953172862529755},{"word":"kids","start":1759.755,"end":1760.0751,"confidence":1.0,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.1876046508550644},{"word":"do","start":1760.0751,"end":1760.3151,"confidence":0.9716797,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16038547456264496},{"word":"receive","start":1760.3151,"end":1760.635,"confidence":1.0,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.18505065143108368},{"word":"the","start":1760.635,"end":1760.795,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1652473360300064},{"word":"funds","start":1760.795,"end":1761.035,"confidence":0.98291016,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.1711639165878296},{"word":"and","start":1761.035,"end":1761.275,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15663933753967285},{"word":"can","start":1761.275,"end":1761.675,"confidence":0.99853516,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.1794043779373169},{"word":"you","start":1761.675,"end":1761.755,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14728067815303802},{"word":"know","start":1761.755,"end":1762.0751,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.13521486520767212},{"word":"cover","start":1762.0751,"end":1762.4751,"confidence":0.9970703,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.13016058504581451},{"word":"school","start":1762.4751,"end":1762.795,"confidence":0.99902344,"punctuated_word":"school","sentiment":"neutral","sentiment_score":0.1075267344713211},{"word":"costs","start":1762.795,"end":1763.115,"confidence":0.6015625,"punctuated_word":"costs,","sentiment":"neutral","sentiment_score":0.13398414850234985},{"word":"the","start":1763.115,"end":1763.355,"confidence":0.6982422,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1788724809885025},{"word":"university","start":1763.355,"end":1763.855,"confidence":0.9980469,"punctuated_word":"university","sentiment":"neutral","sentiment_score":0.11619830131530762},{"word":"costs","start":1763.915,"end":1764.3151,"confidence":0.8947754,"punctuated_word":"costs,","sentiment":"neutral","sentiment_score":0.1507452130317688},{"word":"and","start":1764.3151,"end":1764.395,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16538088023662567},{"word":"things","start":1764.395,"end":1764.81,"confidence":0.99609375,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1604675054550171},{"word":"like","start":1764.81,"end":1764.89,"confidence":0.96240234,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.13132283091545105},{"word":"that","start":1764.89,"end":1765.05,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2162057459354401},{"word":"as","start":1765.05,"end":1765.2101,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2004364877939224},{"word":"well","start":1765.2101,"end":1765.4501,"confidence":0.9885254,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.17360949516296387},{"word":"so","start":1765.4501,"end":1765.77,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2919612526893616},{"word":"it","start":1765.77,"end":1765.93,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3343363404273987},{"word":"does","start":1765.93,"end":1766.17,"confidence":1.0,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.33470308780670166},{"word":"give","start":1766.17,"end":1766.41,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.28643134236335754},{"word":"you","start":1766.41,"end":1766.5701,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3075456917285919},{"word":"a","start":1766.5701,"end":1766.65,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3233805298805237},{"word":"lot","start":1766.65,"end":1766.89,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.38150107860565186},{"word":"more","start":1766.89,"end":1767.39,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2799202501773834},{"word":"clarity","start":1767.77,"end":1768.27,"confidence":0.68652344,"punctuated_word":"clarity","sentiment":"neutral","sentiment_score":0.261766642332077},{"word":"and","start":1768.41,"end":1768.81,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3303341567516327},{"word":"control","start":1768.81,"end":1769.31,"confidence":1.0,"punctuated_word":"control","sentiment":"neutral","sentiment_score":0.29082193970680237},{"word":"over","start":1769.4501,"end":1769.6901,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.3315665125846863},{"word":"how","start":1769.6901,"end":1770.01,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.26996153593063354},{"word":"you","start":1770.01,"end":1770.25,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2667548358440399},{"word":"want","start":1770.25,"end":1770.4901,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.22063124179840088},{"word":"those","start":1770.4901,"end":1770.7301,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.20942752063274384},{"word":"funds","start":1770.7301,"end":1770.9701,"confidence":0.9980469,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.2043004333972931},{"word":"to","start":1770.9701,"end":1771.13,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17778092622756958},{"word":"be","start":1771.13,"end":1771.3701,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15843123197555542},{"word":"paid","start":1771.3701,"end":1771.6101,"confidence":0.94921875,"punctuated_word":"paid.","sentiment":"neutral","sentiment_score":0.20254889130592343},{"word":"so","start":1771.6101,"end":1771.77,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23118339478969577},{"word":"i","start":1771.77,"end":1771.93,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.279827356338501},{"word":"did","start":1771.93,"end":1772.25,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.2665787935256958},{"word":"update","start":1772.25,"end":1772.65,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.2623407244682312},{"word":"that","start":1772.65,"end":1772.81,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27485719323158264},{"word":"recommendation","start":1772.81,"end":1773.31,"confidence":0.9980469,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.2676098346710205},{"word":"to","start":1773.6101,"end":1773.77,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2650187909603119},{"word":"reflect","start":1773.77,"end":1774.27,"confidence":0.9980469,"punctuated_word":"reflect","sentiment":"neutral","sentiment_score":0.26602697372436523},{"word":"to","start":1774.89,"end":1775.05,"confidence":0.6142578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24873162806034088},{"word":"make","start":1775.05,"end":1775.29,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.22681142389774325},{"word":"sure","start":1775.29,"end":1775.53,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.21854691207408905},{"word":"that","start":1775.53,"end":1775.77,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2250366508960724},{"word":"any","start":1775.77,"end":1776.0901,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.22184154391288757},{"word":"any","start":1776.0901,"end":1776.41,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.19853389263153076},{"word":"of","start":1776.41,"end":1776.65,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20051369071006775},{"word":"your","start":1776.65,"end":1776.9701,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18987606465816495},{"word":"life","start":1776.9701,"end":1777.29,"confidence":0.97265625,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.24455775320529935},{"word":"and","start":1777.29,"end":1777.6101,"confidence":0.9003906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23487617075443268},{"word":"super","start":1777.6101,"end":1777.93,"confidence":0.94140625,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.273480087518692},{"word":"proceeds","start":1777.93,"end":1778.43,"confidence":0.9892578,"punctuated_word":"proceeds","sentiment":"neutral","sentiment_score":0.2820717692375183},{"word":"are","start":1778.4901,"end":1778.7301,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.175498366355896},{"word":"paid","start":1778.7301,"end":1778.9701,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.1931610405445099},{"word":"direct","start":1778.9701,"end":1779.29,"confidence":0.9091797,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":0.212329164147377},{"word":"to","start":1779.29,"end":1779.4501,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20997221767902377},{"word":"your","start":1779.4501,"end":1779.6901,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20538456737995148},{"word":"will","start":1779.6901,"end":1780.185,"confidence":0.7873535,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.2010595202445984},{"word":"and","start":1780.425,"end":1780.665,"confidence":0.984375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18500618636608124},{"word":"then","start":1780.665,"end":1780.7451,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.22997385263442993},{"word":"it's","start":1780.7451,"end":1780.905,"confidence":0.9406738,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.20552358031272888},{"word":"just","start":1780.905,"end":1781.2251,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22341524064540863},{"word":"important","start":1781.2251,"end":1781.545,"confidence":0.99902344,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.1461080014705658},{"word":"to","start":1781.545,"end":1781.7051,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1998509168624878},{"word":"have","start":1781.7051,"end":1781.8651,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2112223505973816},{"word":"a","start":1781.8651,"end":1781.9451,"confidence":0.8989258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2087738811969757},{"word":"solicitor","start":1781.9451,"end":1782.4451,"confidence":0.99902344,"punctuated_word":"solicitor","sentiment":"neutral","sentiment_score":0.17470668256282806},{"word":"review","start":1782.505,"end":1782.8251,"confidence":0.98291016,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.12798115611076355},{"word":"your","start":1782.8251,"end":1783.0651,"confidence":0.96777344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15799294412136078},{"word":"will","start":1783.0651,"end":1783.385,"confidence":0.9904785,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.14434176683425903},{"word":"power","start":1783.385,"end":1783.625,"confidence":0.9892578,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.1250075250864029},{"word":"of","start":1783.625,"end":1783.785,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10119777917861938},{"word":"attorney","start":1783.785,"end":1784.285,"confidence":0.982666,"punctuated_word":"attorney,","sentiment":"neutral","sentiment_score":0.1093445047736168},{"word":"and","start":1784.505,"end":1784.7451,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13607120513916016},{"word":"probably","start":1784.7451,"end":1785.145,"confidence":0.9243164,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1462068259716034},{"word":"guardianship","start":1785.145,"end":1785.645,"confidence":0.9797363,"punctuated_word":"guardianship","sentiment":"neutral","sentiment_score":0.1124393194913864},{"word":"documents","start":1785.8651,"end":1786.3451,"confidence":0.9951172,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.11578816175460815},{"word":"as","start":1786.3451,"end":1786.505,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15135321021080017},{"word":"well","start":1786.505,"end":1786.7451,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.17914065718650818},{"word":"just","start":1786.7451,"end":1786.9851,"confidence":0.8701172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2021618485450745},{"word":"to","start":1786.9851,"end":1787.145,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18835791945457456},{"word":"make","start":1787.145,"end":1787.385,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.18760225176811215},{"word":"sure","start":1787.385,"end":1787.7051,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.21038123965263367},{"word":"that","start":1787.7051,"end":1788.025,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23798984289169312},{"word":"everything","start":1788.025,"end":1788.425,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.29353034496307373},{"word":"is","start":1788.425,"end":1788.665,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20116326212882996},{"word":"set","start":1788.665,"end":1788.9851,"confidence":0.96533203,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.25498777627944946},{"word":"as","start":1788.9851,"end":1789.145,"confidence":0.9838867,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2769855558872223},{"word":"per","start":1789.145,"end":1789.385,"confidence":0.94921875,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.28688499331474304},{"word":"your","start":1789.385,"end":1789.7051,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22064447402954104},{"word":"wishes","start":1789.7051,"end":1790.2051,"confidence":0.9692383,"punctuated_word":"wishes.","sentiment":"neutral","sentiment_score":0.17231380939483645},{"word":"and","start":1790.505,"end":1790.665,"confidence":0.8432617,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11292894929647446},{"word":"that's","start":1790.665,"end":1790.8251,"confidence":0.88256836,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.11182024329900742},{"word":"something","start":1790.8251,"end":1791.145,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.15589070320129397},{"word":"we've","start":1791.145,"end":1791.305,"confidence":0.9926758,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.1055021807551384},{"word":"definitely","start":1791.305,"end":1791.7051,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.1385865956544876},{"word":"talked","start":1791.7051,"end":1792.025,"confidence":0.99902344,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.1286665052175522},{"word":"about","start":1792.025,"end":1792.265,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17456330358982086},{"word":"in","start":1792.265,"end":1792.425,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13673557341098783},{"word":"the","start":1792.425,"end":1792.5851,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10217312723398209},{"word":"past","start":1792.5851,"end":1792.905,"confidence":1.0,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.16003257036209106},{"word":"where","start":1792.905,"end":1793.37,"confidence":0.9707031,"punctuated_word":"where,","sentiment":"neutral","sentiment_score":0.09428302943706512},{"word":"you","start":1793.45,"end":1793.69,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06413954496383667},{"word":"know","start":1793.69,"end":1793.85,"confidence":0.9980469,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07372453808784485},{"word":"you're","start":1793.85,"end":1794.17,"confidence":0.907959,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07557673752307892},{"word":"like","start":1794.33,"end":1794.65,"confidence":0.8017578,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.13174667954444885},{"word":"me","start":1794.65,"end":1794.89,"confidence":0.9621582,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.12619122862815857},{"word":"our","start":1794.89,"end":1795.05,"confidence":0.99609375,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.08096113055944443},{"word":"kids","start":1795.05,"end":1795.37,"confidence":0.99902344,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.07858957350254059},{"word":"are","start":1795.37,"end":1795.61,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1360756754875183},{"word":"everything","start":1795.61,"end":1796.09,"confidence":0.89331055,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.1525454968214035},{"word":"and","start":1796.09,"end":1796.25,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09940610080957411},{"word":"we","start":1796.25,"end":1796.49,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09984808415174484},{"word":"just","start":1796.49,"end":1796.65,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11202303320169447},{"word":"wanna","start":1796.65,"end":1796.89,"confidence":0.99902344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.17634066939353943},{"word":"make","start":1796.89,"end":1796.97,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.18097466230392456},{"word":"sure","start":1796.97,"end":1797.21,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.17970985174179077},{"word":"that","start":1797.21,"end":1797.37,"confidence":0.96875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2037324756383896},{"word":"they","start":1797.37,"end":1797.53,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.18075424432754517},{"word":"are","start":1797.53,"end":1797.61,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1747865080833435},{"word":"looked","start":1797.61,"end":1797.93,"confidence":0.9970703,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.20208510756492615},{"word":"after","start":1797.93,"end":1798.25,"confidence":0.9970703,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.24618595838546753},{"word":"and","start":1798.25,"end":1798.41,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16517707705497742},{"word":"protected","start":1798.41,"end":1798.91,"confidence":0.984375,"punctuated_word":"protected.","sentiment":"neutral","sentiment_score":0.1003335863351822},{"word":"and","start":1798.97,"end":1799.21,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04262114316225052},{"word":"you","start":1799.21,"end":1799.37,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02532896399497986},{"word":"work","start":1799.37,"end":1799.69,"confidence":0.9770508,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.05149237811565399},{"word":"well","start":1799.69,"end":1799.85,"confidence":0.9863281,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.07532739639282227},{"word":"and","start":1799.85,"end":1800.09,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00034008920192718506},{"word":"truly","start":1800.09,"end":1800.49,"confidence":0.9902344,"punctuated_word":"truly","sentiment":"neutral","sentiment_score":-0.03813949227333069},{"word":"way","start":1800.49,"end":1800.8099,"confidence":0.97265625,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.06017422676086426},{"word":"too","start":1800.8099,"end":1800.97,"confidence":0.9892578,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.09293223917484283},{"word":"hard","start":1800.97,"end":1801.37,"confidence":0.9838867,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.2417961359024048},{"word":"to","start":1801.37,"end":1801.53,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.27347174286842346},{"word":"have","start":1801.53,"end":1801.77,"confidence":0.9790039,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.28130656480789185},{"word":"that","start":1801.77,"end":1801.93,"confidence":0.97265625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.26686304807662964},{"word":"money","start":1801.93,"end":1802.33,"confidence":0.99121094,"punctuated_word":"money","sentiment":"negative","sentiment_score":-0.4175596237182617},{"word":"wasted","start":1802.33,"end":1802.73,"confidence":0.9863281,"punctuated_word":"wasted","sentiment":"negative","sentiment_score":-0.45654532313346863},{"word":"away","start":1802.73,"end":1803.05,"confidence":0.9838867,"punctuated_word":"away","sentiment":"negative","sentiment_score":-0.4486857056617737},{"word":"and","start":1803.05,"end":1803.29,"confidence":0.96972656,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3395901620388031},{"word":"not","start":1803.29,"end":1803.53,"confidence":0.98535156,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.12695103883743286},{"word":"directed","start":1803.53,"end":1803.93,"confidence":0.9921875,"punctuated_word":"directed","sentiment":"neutral","sentiment_score":-0.1286194920539856},{"word":"to","start":1803.93,"end":1804.09,"confidence":0.9760742,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009731387719511986},{"word":"where","start":1804.09,"end":1804.25,"confidence":0.8925781,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.007075382396578789},{"word":"you","start":1804.25,"end":1804.41,"confidence":0.9404297,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05024706944823265},{"word":"want","start":1804.41,"end":1804.65,"confidence":0.7890625,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0475076287984848},{"word":"it","start":1804.65,"end":1804.8099,"confidence":0.8569336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04754647985100746},{"word":"to","start":1804.8099,"end":1804.89,"confidence":0.9038086,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.032631903886795044},{"word":"be","start":1804.89,"end":1805.39,"confidence":0.7636719,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.029321547597646713},{"word":"essentially","start":1807.9751,"end":1808.4751,"confidence":0.96362305,"punctuated_word":"essentially.","sentiment":"neutral","sentiment_score":0.03465402498841286},{"word":"yeah","start":1809.255,"end":1809.755,"confidence":0.98291016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02905556559562683},{"word":"especially","start":1810.375,"end":1810.775,"confidence":0.97998047,"punctuated_word":"Especially","sentiment":"neutral","sentiment_score":-0.008483503013849258},{"word":"after","start":1810.775,"end":1811.015,"confidence":0.92089844,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.012813962996006012},{"word":"the","start":1811.015,"end":1811.255,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02765755355358124},{"word":"day","start":1811.255,"end":1811.415,"confidence":0.93237305,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":-0.0327073410153389},{"word":"it","start":1811.415,"end":1811.5751,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0697048157453537},{"word":"seems","start":1811.5751,"end":1811.8151,"confidence":0.9970703,"punctuated_word":"seems","sentiment":"neutral","sentiment_score":-0.05711010843515396},{"word":"like","start":1811.8151,"end":1811.9751,"confidence":0.9873047,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.05962260812520981},{"word":"you've","start":1811.9751,"end":1812.135,"confidence":0.99072266,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.051331862807273865},{"word":"had","start":1812.135,"end":1812.635,"confidence":0.9448242,"punctuated_word":"had.","sentiment":"neutral","sentiment_score":-0.05258334055542946},{"word":"no","start":1816.4551,"end":1816.6951,"confidence":0.9863281,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.10177180171012878},{"word":"it's","start":1816.6951,"end":1816.935,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.18764154613018036},{"word":"all","start":1816.935,"end":1817.255,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.25452306866645813},{"word":"good","start":1817.255,"end":1817.7,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.18009290099143982},{"word":"look","start":1817.86,"end":1818.1,"confidence":0.88916016,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.23490339517593384},{"word":"a","start":1818.1,"end":1818.1799,"confidence":0.99902344,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.26136577129364014},{"word":"lot","start":1818.1799,"end":1818.4199,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.2904741168022156},{"word":"of","start":1818.4199,"end":1818.58,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2897206246852875},{"word":"this","start":1818.58,"end":1818.74,"confidence":0.9921875,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.30490541458129883},{"word":"is","start":1818.74,"end":1818.98,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.28176194429397583},{"word":"very","start":1818.98,"end":1819.22,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.30006325244903564},{"word":"much","start":1819.22,"end":1819.46,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.334065318107605},{"word":"the","start":1819.46,"end":1819.62,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30901575088500977},{"word":"same","start":1819.62,"end":1819.7799,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.30333253741264343},{"word":"as","start":1819.7799,"end":1819.94,"confidence":0.9980469,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3377000689506531},{"word":"what","start":1819.94,"end":1820.1799,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.33804261684417725},{"word":"i","start":1820.1799,"end":1820.34,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22781822085380551},{"word":"recommended","start":1820.34,"end":1820.84,"confidence":0.9980469,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.23401372134685516},{"word":"last","start":1820.8999,"end":1821.1399,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.2095281332731247},{"word":"time","start":1821.1399,"end":1821.38,"confidence":1.0,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.24407196044921875},{"word":"i","start":1821.38,"end":1821.5399,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22297078371047976},{"word":"did","start":1821.5399,"end":1821.7799,"confidence":0.9951172,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.2146395593881607},{"word":"go","start":1821.7799,"end":1821.86,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1940209269523621},{"word":"back","start":1821.86,"end":1822.0199,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1996082067489624},{"word":"and","start":1822.0199,"end":1822.1799,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15993529558181763},{"word":"review","start":1822.1799,"end":1822.58,"confidence":0.98095703,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.134675994515419},{"word":"everything","start":1822.58,"end":1823.0599,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2286248356103897},{"word":"to","start":1823.0599,"end":1823.1399,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16777144372463226},{"word":"make","start":1823.1399,"end":1823.38,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12714126706123352},{"word":"sure","start":1823.38,"end":1823.5399,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1547940969467163},{"word":"it","start":1823.5399,"end":1823.62,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16322626173496246},{"word":"was","start":1823.62,"end":1823.86,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.17391733825206757},{"word":"on","start":1823.86,"end":1824.0199,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15836584568023682},{"word":"par","start":1824.0199,"end":1824.4199,"confidence":0.98046875,"punctuated_word":"par.","sentiment":"neutral","sentiment_score":0.14156687259674072},{"word":"metlife","start":1824.4199,"end":1824.8999,"confidence":0.9064128,"punctuated_word":"MetLife,","sentiment":"neutral","sentiment_score":0.1249096542596817},{"word":"with","start":1825.1399,"end":1825.38,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19291552901268005},{"word":"the","start":1825.38,"end":1825.46,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21580056846141815},{"word":"income","start":1825.46,"end":1825.86,"confidence":0.94921875,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.14890937507152557},{"word":"protection","start":1825.86,"end":1826.34,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.15406635403633118},{"word":"linking","start":1826.34,"end":1826.74,"confidence":0.83862305,"punctuated_word":"linking,","sentiment":"neutral","sentiment_score":0.2121078372001648},{"word":"it","start":1826.74,"end":1826.98,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.215031236410141},{"word":"did","start":1826.98,"end":1827.2999,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.18982604146003723},{"word":"definitely","start":1827.2999,"end":1827.7799,"confidence":0.99609375,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.1941606402397156},{"word":"cost","start":1827.7799,"end":1828.0199,"confidence":0.9970703,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.21537882089614868},{"word":"a","start":1828.0199,"end":1828.1,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26928848028182983},{"word":"lot","start":1828.1,"end":1828.34,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.2379828691482544},{"word":"less","start":1828.34,"end":1828.58,"confidence":1.0,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.2242617905139923},{"word":"than","start":1828.58,"end":1829.08,"confidence":0.9880371,"punctuated_word":"than,","sentiment":"neutral","sentiment_score":0.15504999458789823},{"word":"say","start":1829.38,"end":1829.7799,"confidence":0.97314453,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.2098967283964157},{"word":"having","start":1829.7799,"end":1830.0199,"confidence":0.97265625,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.29139208793640137},{"word":"it","start":1830.0199,"end":1830.26,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2281421422958374},{"word":"done","start":1830.26,"end":1830.4199,"confidence":0.9980469,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.19360852241516113},{"word":"through","start":1830.4199,"end":1830.74,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2138429284095764},{"word":"clearview","start":1830.74,"end":1831.24,"confidence":0.76676434,"punctuated_word":"ClearView.","sentiment":"neutral","sentiment_score":0.23370662331581116},{"word":"and","start":1831.725,"end":1831.965,"confidence":0.99316406,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3525296747684479},{"word":"metlife","start":1831.965,"end":1832.465,"confidence":0.99365234,"punctuated_word":"MetLife","sentiment":"positive","sentiment_score":0.34889063239097595},{"word":"are","start":1832.525,"end":1832.765,"confidence":0.94140625,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4662251770496368},{"word":"a","start":1832.765,"end":1833.005,"confidence":0.7294922,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5060724020004272},{"word":"really","start":1833.005,"end":1833.245,"confidence":0.99902344,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5307568907737732},{"word":"good","start":1833.245,"end":1833.565,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4607120156288147},{"word":"provider","start":1833.565,"end":1833.965,"confidence":0.99902344,"punctuated_word":"provider","sentiment":"positive","sentiment_score":0.4520358741283417},{"word":"of","start":1833.965,"end":1834.205,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4478289783000946},{"word":"insurances","start":1834.205,"end":1834.705,"confidence":0.86376953,"punctuated_word":"insurances.","sentiment":"positive","sentiment_score":0.400606244802475},{"word":"so","start":1835.085,"end":1835.405,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.27918386459350586},{"word":"feel","start":1835.405,"end":1835.645,"confidence":0.97509766,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.18753673136234283},{"word":"free","start":1835.645,"end":1835.885,"confidence":0.99902344,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.21541622281074524},{"word":"to","start":1835.885,"end":1835.965,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21882320940494537},{"word":"run","start":1835.965,"end":1836.205,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.22084300220012665},{"word":"your","start":1836.205,"end":1836.365,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2284981906414032},{"word":"eyes","start":1836.365,"end":1836.605,"confidence":0.9951172,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.29318320751190186},{"word":"over","start":1836.605,"end":1836.765,"confidence":0.9980469,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.30863451957702637},{"word":"that","start":1836.765,"end":1837.005,"confidence":0.8557129,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.18045711517333984},{"word":"have","start":1837.005,"end":1837.245,"confidence":0.9921875,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.06167171150445938},{"word":"a","start":1837.245,"end":1837.325,"confidence":0.97998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10544805228710176},{"word":"read","start":1837.325,"end":1837.485,"confidence":0.3527832,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.08543939888477325},{"word":"through","start":1837.485,"end":1837.725,"confidence":0.49609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1192249208688736},{"word":"the","start":1837.725,"end":1837.885,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09401829540729524},{"word":"advantages","start":1837.885,"end":1838.385,"confidence":0.89819336,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.1635732352733612},{"word":"the","start":1838.445,"end":1838.6849,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09658999741077424},{"word":"disadvantages","start":1838.6849,"end":1839.1849,"confidence":0.9863281,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":0.0022535573225468397},{"word":"and","start":1839.405,"end":1839.645,"confidence":0.8911133,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.09650316834449768},{"word":"obviously","start":1839.645,"end":1840.045,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.07322733849287033},{"word":"the","start":1840.045,"end":1840.205,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10118775069713593},{"word":"best","start":1840.205,"end":1840.445,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.05710919201374054},{"word":"interest","start":1840.445,"end":1840.845,"confidence":0.97998047,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.05564680695533752},{"word":"duty","start":1840.845,"end":1841.345,"confidence":0.90356445,"punctuated_word":"duty.","sentiment":"neutral","sentiment_score":0.17844045162200928},{"word":"if","start":1841.645,"end":1841.8049,"confidence":0.96240234,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.31961455941200256},{"word":"you","start":1841.8049,"end":1841.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2829762399196625},{"word":"find","start":1841.965,"end":1842.205,"confidence":0.9951172,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.25251203775405884},{"word":"you","start":1842.205,"end":1842.365,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25824931263923645},{"word":"have","start":1842.365,"end":1842.605,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2722140848636627},{"word":"any","start":1842.605,"end":1842.845,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.21915119886398315},{"word":"questions","start":1842.845,"end":1843.245,"confidence":0.9995117,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.2771942615509033},{"word":"you're","start":1843.245,"end":1843.485,"confidence":1.0,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3778923451900482},{"word":"welcome","start":1843.485,"end":1843.885,"confidence":1.0,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.482820063829422},{"word":"to","start":1843.885,"end":1844.045,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4241194427013397},{"word":"let","start":1844.045,"end":1844.205,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.368830293416977},{"word":"me","start":1844.205,"end":1844.365,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.4017904400825501},{"word":"know","start":1844.365,"end":1844.605,"confidence":0.99902344,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.41234615445137024},{"word":"by","start":1844.605,"end":1845.0,"confidence":0.9873047,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.3594221770763397},{"word":"phone","start":1845.0,"end":1845.24,"confidence":0.9970703,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.323955237865448},{"word":"call","start":1845.24,"end":1845.48,"confidence":0.9326172,"punctuated_word":"call","sentiment":"positive","sentiment_score":0.34291014075279236},{"word":"or","start":1845.48,"end":1845.72,"confidence":0.97998047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.28697001934051514},{"word":"email","start":1845.72,"end":1846.2,"confidence":0.95532227,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.31830325722694397},{"word":"i'll","start":1846.2,"end":1846.36,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.5998050570487976},{"word":"happily","start":1846.36,"end":1846.84,"confidence":1.0,"punctuated_word":"happily","sentiment":"positive","sentiment_score":0.689206600189209},{"word":"answer","start":1846.84,"end":1847.08,"confidence":1.0,"punctuated_word":"answer","sentiment":"positive","sentiment_score":0.587357223033905},{"word":"anything","start":1847.08,"end":1847.48,"confidence":1.0,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.6908187866210938},{"word":"that","start":1847.48,"end":1847.64,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6024747490882874},{"word":"you","start":1847.64,"end":1847.8,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6428946852684021},{"word":"have","start":1847.8,"end":1848.3,"confidence":0.9970703,"punctuated_word":"have.","sentiment":"positive","sentiment_score":0.5458389520645142},{"word":"on","start":1848.68,"end":1848.92,"confidence":0.9951172,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.15146537125110626},{"word":"the","start":1848.92,"end":1849.08,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13862654566764832},{"word":"very","start":1849.08,"end":1849.32,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.1485578566789627},{"word":"last","start":1849.32,"end":1849.64,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.11749140918254852},{"word":"page","start":1849.64,"end":1849.96,"confidence":0.9838867,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.14892816543579102},{"word":"there","start":1849.96,"end":1850.12,"confidence":0.75927734,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1171254813671112},{"word":"we","start":1850.12,"end":1850.36,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15718771517276764},{"word":"do","start":1850.36,"end":1850.52,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19286341965198517},{"word":"have","start":1850.52,"end":1850.76,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1840011477470398},{"word":"the","start":1850.76,"end":1850.92,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1508363038301468},{"word":"text","start":1850.92,"end":1851.16,"confidence":0.9970703,"punctuated_word":"text","sentiment":"neutral","sentiment_score":0.15286822617053986},{"word":"box","start":1851.16,"end":1851.48,"confidence":0.8342285,"punctuated_word":"box,","sentiment":"neutral","sentiment_score":0.1314016729593277},{"word":"the","start":1851.48,"end":1851.72,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16113199293613434},{"word":"multiline","start":1851.72,"end":1852.22,"confidence":0.9431966,"punctuated_word":"multiline","sentiment":"neutral","sentiment_score":0.2074083387851715},{"word":"text","start":1852.28,"end":1852.52,"confidence":0.99902344,"punctuated_word":"text","sentiment":"neutral","sentiment_score":0.15286678075790405},{"word":"box","start":1852.52,"end":1852.84,"confidence":0.99316406,"punctuated_word":"box","sentiment":"neutral","sentiment_score":0.1588655263185501},{"word":"that","start":1852.84,"end":1853.0,"confidence":0.85058594,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11261828988790512},{"word":"outlines","start":1853.0,"end":1853.5,"confidence":0.9819336,"punctuated_word":"outlines","sentiment":"neutral","sentiment_score":0.1103658676147461},{"word":"essentially","start":1853.56,"end":1854.06,"confidence":0.71240234,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.12373130023479462},{"word":"if","start":1854.44,"end":1854.6,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12958769500255585},{"word":"there's","start":1854.6,"end":1854.84,"confidence":0.9975586,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.06829358637332916},{"word":"any","start":1854.84,"end":1855.08,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03191385418176651},{"word":"part","start":1855.08,"end":1855.24,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.004251308739185333},{"word":"of","start":1855.24,"end":1855.4,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01696047931909561},{"word":"the","start":1855.4,"end":1855.56,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.002302221953868866},{"word":"recommendations","start":1855.56,"end":1856.06,"confidence":0.9838867,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":-0.020305126905441284},{"word":"that","start":1856.28,"end":1856.36,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03406026214361191},{"word":"you're","start":1856.36,"end":1856.6,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.028732558712363243},{"word":"choosing","start":1856.6,"end":1857.0,"confidence":1.0,"punctuated_word":"choosing","sentiment":"neutral","sentiment_score":-0.014499910175800323},{"word":"not","start":1857.0,"end":1857.16,"confidence":0.9892578,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.04275360703468323},{"word":"to","start":1857.16,"end":1857.32,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.044013358652591705},{"word":"take","start":1857.32,"end":1857.56,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.10920261591672896},{"word":"on","start":1857.56,"end":1857.72,"confidence":0.67626953,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11234911531209946},{"word":"board","start":1857.72,"end":1858.04,"confidence":0.98291016,"punctuated_word":"board","sentiment":"neutral","sentiment_score":0.2104516625404358},{"word":"to","start":1858.04,"end":1858.28,"confidence":0.85595703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1885833442211151},{"word":"absolutely","start":1858.28,"end":1858.78,"confidence":0.984375,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.15680301189422607},{"word":"make","start":1858.84,"end":1859.0,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2519356906414032},{"word":"a","start":1859.0,"end":1859.16,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25587308406829834},{"word":"note","start":1859.16,"end":1859.4,"confidence":1.0,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.2425900101661682},{"word":"in","start":1859.4,"end":1859.56,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21063682436943057},{"word":"there","start":1859.56,"end":1859.985,"confidence":0.9172363,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.20065900683403015},{"word":"and","start":1860.065,"end":1860.225,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17119786143302915},{"word":"we","start":1860.225,"end":1860.385,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15296436846256256},{"word":"review","start":1860.385,"end":1860.785,"confidence":0.9951172,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.12107764929533003},{"word":"that","start":1860.785,"end":1861.105,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07445386052131653},{"word":"for","start":1861.105,"end":1861.265,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20981332659721377},{"word":"you","start":1861.265,"end":1861.505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3038986623287201},{"word":"as","start":1861.505,"end":1861.665,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.285846084356308},{"word":"part","start":1861.665,"end":1861.905,"confidence":0.99902344,"punctuated_word":"part","sentiment":"positive","sentiment_score":0.3603588342666626},{"word":"of","start":1861.905,"end":1862.065,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3855165541172027},{"word":"it","start":1862.065,"end":1862.565,"confidence":0.9423828,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.3133869767189026},{"word":"and","start":1862.865,"end":1863.105,"confidence":0.5283203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2350558042526245},{"word":"i've","start":1863.105,"end":1863.265,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.28785818815231323},{"word":"also","start":1863.265,"end":1863.585,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.17506857216358185},{"word":"got","start":1863.585,"end":1863.745,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.27052998542785645},{"word":"depending","start":1863.905,"end":1864.225,"confidence":1.0,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.3091214895248413},{"word":"on","start":1864.225,"end":1864.465,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2724838852882385},{"word":"how","start":1864.465,"end":1864.625,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.2488744854927063},{"word":"much","start":1864.625,"end":1864.865,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.18361350893974304},{"word":"reading","start":1864.865,"end":1865.1849,"confidence":1.0,"punctuated_word":"reading","sentiment":"neutral","sentiment_score":0.22868570685386655},{"word":"you","start":1865.1849,"end":1865.4249,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23468482494354248},{"word":"enjoy","start":1865.4249,"end":1865.825,"confidence":1.0,"punctuated_word":"enjoy","sentiment":"neutral","sentiment_score":0.2951315939426422},{"word":"doing","start":1865.825,"end":1866.225,"confidence":0.99560547,"punctuated_word":"doing,","sentiment":"neutral","sentiment_score":0.2455465197563171},{"word":"i've","start":1866.225,"end":1866.465,"confidence":1.0,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.34754061698913574},{"word":"got","start":1866.465,"end":1866.625,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.32541513442993164},{"word":"the","start":1866.625,"end":1866.785,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30152276158332825},{"word":"metlife","start":1866.785,"end":1867.265,"confidence":0.99609375,"punctuated_word":"MetLife","sentiment":"neutral","sentiment_score":0.269432008266449},{"word":"pdf","start":1867.265,"end":1867.745,"confidence":0.94970703,"punctuated_word":"PDF","sentiment":"neutral","sentiment_score":0.2850538194179535},{"word":"for","start":1867.745,"end":1867.985,"confidence":0.9902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2352658063173294},{"word":"you","start":1867.985,"end":1868.225,"confidence":0.9526367,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2150413393974304},{"word":"the","start":1868.225,"end":1868.385,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23346956074237823},{"word":"hub24","start":1868.385,"end":1868.885,"confidence":0.7516276,"punctuated_word":"HUB24","sentiment":"neutral","sentiment_score":0.1931084096431732},{"word":"pdf","start":1869.105,"end":1869.585,"confidence":0.95336914,"punctuated_word":"PDF,","sentiment":"neutral","sentiment_score":0.19461669027805328},{"word":"and","start":1869.585,"end":1869.825,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20210501551628113},{"word":"the","start":1869.825,"end":1869.985,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20558080077171328},{"word":"clearview","start":1869.985,"end":1870.485,"confidence":0.7644043,"punctuated_word":"Clearview","sentiment":"neutral","sentiment_score":0.20752474665641785},{"word":"pdf","start":1870.545,"end":1870.945,"confidence":1.0,"punctuated_word":"PDF","sentiment":"neutral","sentiment_score":0.17704929411411283},{"word":"as","start":1870.945,"end":1871.105,"confidence":0.9873047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23579607903957367},{"word":"well","start":1871.105,"end":1871.345,"confidence":0.90966797,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.24027882516384125},{"word":"so","start":1871.345,"end":1871.505,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.29825103282928467},{"word":"you're","start":1871.505,"end":1871.665,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.33172449469566345},{"word":"welcome","start":1871.665,"end":1871.985,"confidence":0.99902344,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.4601116478443146},{"word":"to","start":1871.985,"end":1872.36,"confidence":0.99902344,"punctuated_word":"to,","sentiment":"positive","sentiment_score":0.3454498052597046},{"word":"you","start":1872.44,"end":1872.6,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3674265742301941},{"word":"know","start":1872.6,"end":1872.76,"confidence":1.0,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.36628422141075134},{"word":"run","start":1872.76,"end":1872.84,"confidence":0.99902344,"punctuated_word":"run","sentiment":"positive","sentiment_score":0.4081780314445496},{"word":"your","start":1872.84,"end":1873.08,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3829750716686249},{"word":"eyes","start":1873.08,"end":1873.32,"confidence":0.9980469,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.30440759658813477},{"word":"over","start":1873.32,"end":1873.64,"confidence":0.9716797,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.36785951256752014},{"word":"that","start":1873.64,"end":1873.88,"confidence":0.8408203,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.30118492245674133},{"word":"have","start":1873.88,"end":1874.04,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.313803106546402},{"word":"a","start":1874.04,"end":1874.12,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29198527336120605},{"word":"look","start":1874.12,"end":1874.28,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.21624326705932617},{"word":"at","start":1874.28,"end":1874.44,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20525704324245453},{"word":"the","start":1874.44,"end":1874.6,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1828741729259491},{"word":"different","start":1874.6,"end":1874.92,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.13814423978328705},{"word":"conditions","start":1874.92,"end":1875.32,"confidence":1.0,"punctuated_word":"conditions","sentiment":"neutral","sentiment_score":0.12555044889450073},{"word":"that","start":1875.32,"end":1875.5599,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15746966004371643},{"word":"i","start":1875.5599,"end":1875.64,"confidence":0.51464844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18811087310314176},{"word":"covered","start":1875.64,"end":1876.04,"confidence":0.9406738,"punctuated_word":"covered,","sentiment":"neutral","sentiment_score":0.16130918264389038},{"word":"have","start":1876.04,"end":1876.28,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23825335502624512},{"word":"a","start":1876.28,"end":1876.36,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20322908461093905},{"word":"look","start":1876.36,"end":1876.6,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.16076232492923737},{"word":"at","start":1876.6,"end":1876.6799,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.19830182194709775},{"word":"the","start":1876.6799,"end":1876.84,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1629011034965515},{"word":"different","start":1876.84,"end":1877.34,"confidence":0.99560547,"punctuated_word":"different,","sentiment":"neutral","sentiment_score":0.08403640985488892},{"word":"you","start":1877.96,"end":1878.12,"confidence":0.61083984,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09527075290679932},{"word":"know","start":1878.12,"end":1878.6,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10001352429389954},{"word":"exclusions","start":1878.6,"end":1879.1,"confidence":0.9995117,"punctuated_word":"exclusions","sentiment":"neutral","sentiment_score":0.04802489280700683},{"word":"and","start":1879.24,"end":1879.48,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05228222161531448},{"word":"policy","start":1879.48,"end":1879.98,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.013370230793952942},{"word":"information","start":1880.2,"end":1880.7,"confidence":0.9819336,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.084290511906147},{"word":"around","start":1880.76,"end":1881.08,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.08901669830083847},{"word":"each","start":1881.08,"end":1881.24,"confidence":0.99902344,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.13724838197231293},{"word":"of","start":1881.24,"end":1881.4,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17578628659248352},{"word":"the","start":1881.4,"end":1881.5599,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14407463371753693},{"word":"different","start":1881.5599,"end":1881.88,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.12231366336345673},{"word":"policies","start":1881.88,"end":1882.36,"confidence":0.9970703,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.0901469811797142},{"word":"to","start":1882.36,"end":1882.52,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26702889800071716},{"word":"sort","start":1882.52,"end":1882.76,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.18724918365478516},{"word":"of","start":1882.76,"end":1882.84,"confidence":0.7441406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26121804118156433},{"word":"get","start":1882.84,"end":1883.0,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.24586471915245056},{"word":"your","start":1883.0,"end":1883.16,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31903553009033203},{"word":"head","start":1883.16,"end":1883.4,"confidence":1.0,"punctuated_word":"head","sentiment":"neutral","sentiment_score":0.2989819347858429},{"word":"around","start":1883.4,"end":1883.72,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.3117768168449402},{"word":"it","start":1883.72,"end":1884.22,"confidence":0.93603516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2619769275188446},{"word":"and","start":1884.36,"end":1884.6,"confidence":0.7841797,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.24388328194618225},{"word":"feel","start":1884.6,"end":1884.76,"confidence":0.99609375,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.2410932183265686},{"word":"free","start":1884.76,"end":1885.0,"confidence":1.0,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.2961301803588867},{"word":"to","start":1885.0,"end":1885.08,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2755967676639557},{"word":"come","start":1885.08,"end":1885.32,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.2720263600349426},{"word":"back","start":1885.32,"end":1885.48,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2990759611129761},{"word":"and","start":1885.48,"end":1885.72,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26307782530784607},{"word":"let","start":1885.72,"end":1885.88,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.25463855266571045},{"word":"me","start":1885.88,"end":1886.04,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2582564949989319},{"word":"know","start":1886.04,"end":1886.36,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2870374917984009},{"word":"if","start":1886.36,"end":1886.6,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2917383313179016},{"word":"there's","start":1886.6,"end":1886.84,"confidence":0.99560547,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.28721004724502563},{"word":"any","start":1886.84,"end":1887.08,"confidence":0.9970703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2853849232196808},{"word":"additional","start":1887.08,"end":1887.525,"confidence":0.9921875,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.22304944694042209},{"word":"questions","start":1887.605,"end":1888.005,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.20147255063056943},{"word":"there","start":1888.005,"end":1888.505,"confidence":0.9980469,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2082695364952087},{"word":"okay","start":1891.365,"end":1891.765,"confidence":0.7438965,"punctuated_word":"Okay?","sentiment":"positive","sentiment_score":0.40895476937294006},{"word":"excellent","start":1891.765,"end":1892.265,"confidence":0.9980469,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6938468217849731},{"word":"i","start":1892.3251,"end":1892.5651,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.39914411306381226},{"word":"try","start":1892.5651,"end":1892.805,"confidence":0.97314453,"punctuated_word":"try","sentiment":"positive","sentiment_score":0.39696431159973145},{"word":"to","start":1892.805,"end":1892.885,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3841223120689392},{"word":"keep","start":1892.885,"end":1893.125,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.31519845128059387},{"word":"it","start":1893.125,"end":1893.365,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.32491329312324524},{"word":"not","start":1893.365,"end":1893.685,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.24505382776260376},{"word":"too","start":1893.685,"end":1893.925,"confidence":0.9980469,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.19949448108673096},{"word":"crazy","start":1893.925,"end":1894.3251,"confidence":1.0,"punctuated_word":"crazy","sentiment":"neutral","sentiment_score":0.17783556878566742},{"word":"because","start":1894.3251,"end":1894.5651,"confidence":0.76708984,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.18627405166625977},{"word":"it's","start":1894.5651,"end":1894.725,"confidence":0.982666,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.21598029136657715},{"word":"a","start":1894.725,"end":1894.885,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17040856182575226},{"word":"lot","start":1894.885,"end":1895.125,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.09571219980716704},{"word":"to","start":1895.125,"end":1895.285,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1678476482629776},{"word":"kinda","start":1895.285,"end":1895.605,"confidence":0.9873047,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.15596438944339752},{"word":"go","start":1895.605,"end":1895.845,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.15339933335781095},{"word":"through","start":1895.845,"end":1896.0851,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12527652084827423},{"word":"when","start":1896.0851,"end":1896.485,"confidence":0.9941406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1690841019153595},{"word":"you're","start":1896.485,"end":1896.725,"confidence":0.9758301,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1544121950864792},{"word":"sort","start":1896.725,"end":1896.885,"confidence":0.9819336,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2352539598941803},{"word":"of","start":1896.885,"end":1897.045,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1851271688938141},{"word":"looking","start":1897.045,"end":1897.285,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.10830530524253844},{"word":"at","start":1897.285,"end":1897.4451,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11950744688510896},{"word":"the","start":1897.4451,"end":1897.605,"confidence":0.9633789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21574977040290833},{"word":"documents","start":1897.605,"end":1898.105,"confidence":0.71655273,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":0.1647266149520874},{"word":"so","start":1898.165,"end":1898.405,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21623241901397705},{"word":"i","start":1898.405,"end":1898.485,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.250014066696167},{"word":"like","start":1898.485,"end":1898.645,"confidence":0.84277344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.3059912621974945},{"word":"to","start":1898.645,"end":1898.725,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27142345905303955},{"word":"just","start":1898.725,"end":1898.965,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2876049876213074},{"word":"make","start":1898.965,"end":1899.125,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.23872214555740356},{"word":"sure","start":1899.125,"end":1899.365,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.3770436644554138},{"word":"that","start":1899.365,"end":1899.4451,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.40277647972106934},{"word":"you","start":1899.4451,"end":1899.605,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3989334106445313},{"word":"get","start":1899.605,"end":1899.765,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3575427532196045},{"word":"the","start":1899.765,"end":1899.925,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.36570560932159424},{"word":"information","start":1899.925,"end":1900.3251,"confidence":1.0,"punctuated_word":"information","sentiment":"positive","sentiment_score":0.33446943759918213},{"word":"that","start":1900.3251,"end":1900.485,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.48066776990890503},{"word":"you","start":1900.485,"end":1900.645,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4460783302783966},{"word":"need","start":1900.645,"end":1900.805,"confidence":0.85424805,"punctuated_word":"need,","sentiment":"positive","sentiment_score":0.39054811000823975},{"word":"and","start":1900.805,"end":1900.965,"confidence":0.99316406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.33696702122688293},{"word":"then","start":1900.965,"end":1901.125,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.31188949942588806},{"word":"you","start":1901.125,"end":1901.2051,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3051465153694153},{"word":"get","start":1901.2051,"end":1901.52,"confidence":0.9760742,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3062100410461426},{"word":"to","start":1901.52,"end":1901.6,"confidence":0.7973633,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30213892459869385},{"word":"take","start":1901.6,"end":1901.76,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.28762519359588623},{"word":"it","start":1901.76,"end":1901.84,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.32750800251960754},{"word":"back","start":1901.84,"end":1901.92,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1832997500896454},{"word":"and","start":1901.92,"end":1902.0801,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25405099987983704},{"word":"have","start":1902.0801,"end":1902.3201,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4017590582370758},{"word":"a","start":1902.3201,"end":1902.4,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.43244612216949463},{"word":"bit","start":1902.4,"end":1902.56,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3996237516403198},{"word":"of","start":1902.56,"end":1902.72,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4549195170402527},{"word":"a","start":1902.72,"end":1902.8,"confidence":0.9902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4221572279930115},{"word":"read","start":1902.8,"end":1903.04,"confidence":0.91748047,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.30706727504730225},{"word":"of","start":1903.04,"end":1903.12,"confidence":0.99121094,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3526780605316162},{"word":"it","start":1903.12,"end":1903.28,"confidence":0.9194336,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.30057477951049805},{"word":"have","start":1903.28,"end":1903.4401,"confidence":0.99609375,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.43766140937805176},{"word":"a","start":1903.4401,"end":1903.76,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4051729440689087},{"word":"a","start":1903.76,"end":1904.0,"confidence":0.97314453,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3615996241569519},{"word":"glass","start":1904.0,"end":1904.3201,"confidence":0.99902344,"punctuated_word":"glass","sentiment":"neutral","sentiment_score":0.3247123956680298},{"word":"of","start":1904.3201,"end":1904.4,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3286745250225067},{"word":"wine","start":1904.4,"end":1904.72,"confidence":1.0,"punctuated_word":"wine","sentiment":"neutral","sentiment_score":0.28901979327201843},{"word":"or","start":1904.72,"end":1905.12,"confidence":0.8144531,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.3017105162143707},{"word":"a","start":1905.12,"end":1905.36,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32862570881843567},{"word":"nice","start":1905.36,"end":1905.6,"confidence":0.9980469,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.32985538244247437},{"word":"hot","start":1905.6,"end":1905.84,"confidence":0.9790039,"punctuated_word":"hot","sentiment":"neutral","sentiment_score":0.3034948706626892},{"word":"coffee","start":1905.84,"end":1906.0801,"confidence":1.0,"punctuated_word":"coffee","sentiment":"neutral","sentiment_score":0.29052555561065674},{"word":"or","start":1906.0801,"end":1906.3201,"confidence":0.9506836,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.19788262248039248},{"word":"whatever","start":1906.3201,"end":1906.8,"confidence":1.0,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.14386992156505585},{"word":"your","start":1906.8,"end":1907.04,"confidence":0.96435547,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03946763277053833},{"word":"poison","start":1907.04,"end":1907.52,"confidence":0.8432617,"punctuated_word":"poison","sentiment":"neutral","sentiment_score":0.043450288474559784},{"word":"might","start":1907.52,"end":1907.68,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.028766170144081116},{"word":"be","start":1907.68,"end":1908.18,"confidence":0.9160156,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.16216756403446198},{"word":"and","start":1908.56,"end":1908.72,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34942540526390076},{"word":"just","start":1908.72,"end":1908.96,"confidence":0.9970703,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3491624593734741},{"word":"sort","start":1908.96,"end":1909.12,"confidence":0.9790039,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.45974159240722656},{"word":"of","start":1909.12,"end":1909.28,"confidence":0.95703125,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4814721941947937},{"word":"sit","start":1909.28,"end":1909.36,"confidence":0.99609375,"punctuated_word":"sit","sentiment":"positive","sentiment_score":0.4488532543182373},{"word":"back","start":1909.36,"end":1909.6,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.4663422405719757},{"word":"and","start":1909.6,"end":1909.76,"confidence":0.9941406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4584324359893799},{"word":"have","start":1909.76,"end":1909.8401,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5706753134727478},{"word":"a","start":1909.8401,"end":1909.92,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.546137809753418},{"word":"really","start":1909.92,"end":1910.16,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.579990029335022},{"word":"good","start":1910.16,"end":1910.3201,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5094015598297119},{"word":"read","start":1910.3201,"end":1910.56,"confidence":0.9135742,"punctuated_word":"read","sentiment":"positive","sentiment_score":0.5689396858215332},{"word":"of","start":1910.56,"end":1910.72,"confidence":0.94384766,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5908178687095642},{"word":"the","start":1910.72,"end":1910.88,"confidence":0.99316406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5345605611801147},{"word":"document","start":1910.88,"end":1911.38,"confidence":0.9316406,"punctuated_word":"document.","sentiment":"positive","sentiment_score":0.4458497166633606},{"word":"i","start":1911.76,"end":1911.92,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2685702443122864},{"word":"do","start":1911.92,"end":1912.0801,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.24429330229759216},{"word":"also","start":1912.0801,"end":1912.4,"confidence":0.99316406,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.15755656361579895},{"word":"just","start":1912.4,"end":1912.64,"confidence":0.9741211,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2524769604206085},{"word":"have","start":1912.64,"end":1912.8,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2199639230966568},{"word":"to","start":1912.8,"end":1912.88,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16841933131217957},{"word":"let","start":1912.88,"end":1913.12,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.14864471554756165},{"word":"you","start":1913.12,"end":1913.2001,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15715791285037994},{"word":"know","start":1913.2001,"end":1913.36,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1068442165851593},{"word":"before","start":1913.36,"end":1913.6,"confidence":0.8989258,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.0904405564069748},{"word":"we","start":1913.6,"end":1913.84,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07957065105438232},{"word":"sort","start":1913.84,"end":1914.0,"confidence":0.9370117,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0524728000164032},{"word":"of","start":1914.0,"end":1914.16,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06050610542297363},{"word":"end","start":1914.16,"end":1914.3201,"confidence":0.99316406,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.04580768197774887},{"word":"the","start":1914.3201,"end":1914.48,"confidence":0.96240234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13087841868400574},{"word":"phone","start":1914.48,"end":1914.72,"confidence":0.99121094,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.05949901044368744},{"word":"call","start":1914.72,"end":1914.96,"confidence":0.99316406,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.1405222862958908},{"word":"that","start":1914.96,"end":1915.2001,"confidence":0.9658203,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11674066632986067},{"word":"we","start":1915.2001,"end":1915.4401,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14124219119548798},{"word":"do","start":1915.4401,"end":1915.52,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1485137641429901},{"word":"receive","start":1915.52,"end":1916.0,"confidence":0.99609375,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.13902373611927032},{"word":"remuneration","start":1916.0,"end":1916.5,"confidence":0.9842122,"punctuated_word":"remuneration","sentiment":"neutral","sentiment_score":0.11861380189657213},{"word":"from","start":1916.8,"end":1917.04,"confidence":0.9482422,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.17849475145339966},{"word":"the","start":1917.04,"end":1917.495,"confidence":0.79248047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1158561110496521},{"word":"insurers","start":1917.655,"end":1917.975,"confidence":0.4880371,"punctuated_word":"insurers","sentiment":"neutral","sentiment_score":0.11930608004331587},{"word":"for","start":1917.975,"end":1918.455,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11677875369787216},{"word":"recommending","start":1918.455,"end":1918.955,"confidence":1.0,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.1860649287700653},{"word":"and","start":1919.095,"end":1919.415,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15283894538879397},{"word":"writing","start":1919.415,"end":1919.735,"confidence":0.98828125,"punctuated_word":"writing","sentiment":"neutral","sentiment_score":0.105902299284935},{"word":"these","start":1919.735,"end":1920.055,"confidence":0.9941406,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.14341311156749725},{"word":"insurance","start":1920.055,"end":1920.455,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.12588484585285187},{"word":"policies","start":1920.455,"end":1920.955,"confidence":0.9458008,"punctuated_word":"policies.","sentiment":"neutral","sentiment_score":0.1418008655309677},{"word":"it","start":1921.575,"end":1921.735,"confidence":0.59277344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1498606503009796},{"word":"is","start":1921.735,"end":1921.975,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1194964200258255},{"word":"really","start":1921.975,"end":1922.295,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.19263124465942383},{"word":"important","start":1922.295,"end":1922.695,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.004258513450622559},{"word":"to","start":1922.695,"end":1922.775,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1149596869945526},{"word":"note","start":1922.775,"end":1923.095,"confidence":0.8691406,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.00457039475440979},{"word":"that","start":1923.095,"end":1923.335,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09350159764289856},{"word":"that","start":1923.335,"end":1923.495,"confidence":0.9790039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09691733121871948},{"word":"has","start":1923.495,"end":1923.735,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.012094467878341677},{"word":"no","start":1923.735,"end":1923.975,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.035745128989219666},{"word":"effect","start":1923.975,"end":1924.375,"confidence":0.9838867,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":-0.1183660328388214},{"word":"on","start":1924.375,"end":1924.535,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08543901145458221},{"word":"my","start":1924.535,"end":1924.775,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.00620347261428833},{"word":"recommendations","start":1924.775,"end":1925.275,"confidence":0.9951172,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":-0.09751750528812408},{"word":"in","start":1925.495,"end":1925.655,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.006508290767669678},{"word":"any","start":1925.655,"end":1925.895,"confidence":0.99609375,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.12726525962352753},{"word":"way","start":1925.895,"end":1926.135,"confidence":0.92822266,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.04897477477788925},{"word":"shape","start":1926.135,"end":1926.375,"confidence":0.9736328,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":0.15798832476139069},{"word":"or","start":1926.375,"end":1926.535,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1386406421661377},{"word":"form","start":1926.535,"end":1927.035,"confidence":0.99902344,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.14409630000591278},{"word":"we","start":1927.255,"end":1927.495,"confidence":0.99609375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.15640592575073242},{"word":"provide","start":1927.495,"end":1927.995,"confidence":0.9770508,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.15348127484321594},{"word":"advice","start":1928.055,"end":1928.455,"confidence":0.89208984,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1841226816177368},{"word":"under","start":1928.455,"end":1928.775,"confidence":0.9873047,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.16659483313560486},{"word":"the","start":1928.775,"end":1928.9349,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15817219018936157},{"word":"best","start":1928.9349,"end":1929.175,"confidence":0.98828125,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.16634179651737213},{"word":"interest","start":1929.175,"end":1929.495,"confidence":0.9838867,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.20738978683948517},{"word":"duty","start":1929.495,"end":1929.815,"confidence":0.80200195,"punctuated_word":"duty,","sentiment":"neutral","sentiment_score":0.2742522358894348},{"word":"which","start":1929.815,"end":1929.975,"confidence":0.9970703,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.23818042874336243},{"word":"is","start":1929.975,"end":1930.135,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17486891150474548},{"word":"part","start":1930.135,"end":1930.375,"confidence":0.98095703,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.2382550835609436},{"word":"of","start":1930.375,"end":1930.455,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18328168988227844},{"word":"the","start":1930.455,"end":1930.615,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17416469752788544},{"word":"corporations","start":1930.615,"end":1931.115,"confidence":0.47753906,"punctuated_word":"corporations","sentiment":"neutral","sentiment_score":0.15943989157676697},{"word":"act","start":1931.335,"end":1931.575,"confidence":0.5456543,"punctuated_word":"act.","sentiment":"neutral","sentiment_score":0.25543704628944397},{"word":"so","start":1931.575,"end":1932.06,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3124290108680725},{"word":"any","start":1932.14,"end":1932.4601,"confidence":0.9951172,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.39470723271369934},{"word":"advice","start":1932.4601,"end":1932.78,"confidence":0.9580078,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.26158469915390015},{"word":"is","start":1932.78,"end":1932.9401,"confidence":0.9394531,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.24977560341358185},{"word":"there","start":1932.9401,"end":1933.1001,"confidence":0.97265625,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.26833614706993103},{"word":"to","start":1933.1001,"end":1933.26,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28586581349372864},{"word":"meet","start":1933.26,"end":1933.5,"confidence":0.9873047,"punctuated_word":"meet","sentiment":"positive","sentiment_score":0.4270677864551544},{"word":"your","start":1933.5,"end":1933.7401,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.455937534570694},{"word":"goals","start":1933.7401,"end":1934.06,"confidence":0.99609375,"punctuated_word":"goals","sentiment":"positive","sentiment_score":0.36251717805862427},{"word":"and","start":1934.06,"end":1934.2201,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4348369240760803},{"word":"be","start":1934.2201,"end":1934.4601,"confidence":0.9863281,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.39647024869918823},{"word":"in","start":1934.4601,"end":1934.6201,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4509596228599548},{"word":"your","start":1934.6201,"end":1934.78,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4391426742076874},{"word":"best","start":1934.78,"end":1935.1001,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.3678950071334839},{"word":"interest","start":1935.1001,"end":1935.6001,"confidence":0.9711914,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":-0.005875116214156151},{"word":"under","start":1936.14,"end":1936.4601,"confidence":0.71435547,"punctuated_word":"Under","sentiment":"neutral","sentiment_score":0.02059699222445488},{"word":"the","start":1936.4601,"end":1936.8601,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027500491589307785},{"word":"legislation","start":1936.8601,"end":1937.3601,"confidence":1.0,"punctuated_word":"legislation","sentiment":"neutral","sentiment_score":0.029526427388191223},{"word":"with","start":1937.5801,"end":1937.8201,"confidence":0.96777344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.006357818841934204},{"word":"regard","start":1937.8201,"end":1938.14,"confidence":0.9506836,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":0.01525772362947464},{"word":"to","start":1938.14,"end":1938.38,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.018308281898498535},{"word":"remuneration","start":1938.38,"end":1938.88,"confidence":0.99975586,"punctuated_word":"remuneration,","sentiment":"neutral","sentiment_score":0.019534967839717865},{"word":"we","start":1939.18,"end":1939.42,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.013217993080615996},{"word":"do","start":1939.42,"end":1939.5801,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02426491677761078},{"word":"receive","start":1939.5801,"end":1940.06,"confidence":0.9980469,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.07780245691537857},{"word":"56%","start":1940.06,"end":1940.9401,"confidence":0.99869794,"punctuated_word":"56%","sentiment":"neutral","sentiment_score":0.08343112468719482},{"word":"of","start":1940.9401,"end":1941.1001,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09376475214958192},{"word":"the","start":1941.1001,"end":1941.26,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08671315014362335},{"word":"first","start":1941.26,"end":1941.5,"confidence":0.91015625,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.08344393968582153},{"word":"year's","start":1941.5,"end":1941.8201,"confidence":0.9875488,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":0.07848507165908813},{"word":"premium","start":1941.8201,"end":1942.3,"confidence":1.0,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.049140699207782745},{"word":"and","start":1942.3,"end":1942.4601,"confidence":0.7919922,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04664158821105957},{"word":"then","start":1942.4601,"end":1942.6201,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03220605477690697},{"word":"22%","start":1942.6201,"end":1943.5,"confidence":0.99609375,"punctuated_word":"22%","sentiment":"neutral","sentiment_score":0.046088047325611115},{"word":"there","start":1943.5,"end":1943.8201,"confidence":0.734375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.035299621522426605},{"word":"ongoing","start":1943.8201,"end":1944.3201,"confidence":0.85253906,"punctuated_word":"ongoing,","sentiment":"neutral","sentiment_score":0.02384968101978302},{"word":"but","start":1944.7001,"end":1944.8601,"confidence":0.9863281,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.004135586321353912},{"word":"we","start":1944.8601,"end":1945.02,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.019846633076667786},{"word":"have","start":1945.02,"end":1945.18,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.018694423139095303},{"word":"a","start":1945.18,"end":1945.26,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.009087380021810532},{"word":"duty","start":1945.26,"end":1945.66,"confidence":1.0,"punctuated_word":"duty","sentiment":"neutral","sentiment_score":-0.011098116636276243},{"word":"to","start":1945.66,"end":1945.9,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.001484885811805725},{"word":"disclose","start":1945.9,"end":1946.38,"confidence":0.99902344,"punctuated_word":"disclose","sentiment":"neutral","sentiment_score":0.02483236789703369},{"word":"that","start":1946.38,"end":1946.6201,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.009593740105628967},{"word":"to","start":1946.6201,"end":1946.78,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06101377308368683},{"word":"you","start":1946.78,"end":1947.225,"confidence":0.9736328,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.04298090934753418},{"word":"that","start":1947.465,"end":1947.705,"confidence":0.9741211,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.04543629288673401},{"word":"is","start":1947.705,"end":1948.025,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04212622344493866},{"word":"noted","start":1948.025,"end":1948.4249,"confidence":0.9838867,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.0660025030374527},{"word":"in","start":1948.4249,"end":1948.585,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07334473729133606},{"word":"the","start":1948.585,"end":1948.825,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07330954074859619},{"word":"advice","start":1948.825,"end":1949.225,"confidence":0.8798828,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.05544593557715416},{"word":"document","start":1949.225,"end":1949.705,"confidence":0.99902344,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.03771385923027992},{"word":"on","start":1949.705,"end":1949.945,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06663694977760315},{"word":"page","start":1949.945,"end":1950.345,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.06775239109992981},{"word":"44","start":1950.345,"end":1950.905,"confidence":1.0,"punctuated_word":"44","sentiment":"neutral","sentiment_score":0.06879596412181854},{"word":"as","start":1950.905,"end":1951.065,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0681098997592926},{"word":"well","start":1951.065,"end":1951.465,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.08535441756248474},{"word":"and","start":1951.465,"end":1951.705,"confidence":0.93408203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06279639899730682},{"word":"45","start":1951.705,"end":1952.345,"confidence":0.99902344,"punctuated_word":"45","sentiment":"neutral","sentiment_score":0.08987057209014893},{"word":"so","start":1952.345,"end":1952.585,"confidence":0.5620117,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.097782664000988},{"word":"you","start":1952.585,"end":1952.6649,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.078971728682518},{"word":"can","start":1952.6649,"end":1952.985,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0951935201883316},{"word":"see","start":1952.985,"end":1953.225,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11818797886371613},{"word":"how","start":1953.225,"end":1953.385,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05121482536196709},{"word":"much","start":1953.385,"end":1953.705,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.05393560975790024},{"word":"we","start":1953.705,"end":1953.865,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04996221512556076},{"word":"are","start":1953.865,"end":1954.105,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0697423592209816},{"word":"expected","start":1954.105,"end":1954.505,"confidence":1.0,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.08928319811820984},{"word":"to","start":1954.505,"end":1954.745,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09783698618412018},{"word":"receive","start":1954.745,"end":1955.225,"confidence":1.0,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.05135166645050049},{"word":"based","start":1955.225,"end":1955.5449,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.0971849262714386},{"word":"on","start":1955.5449,"end":1955.785,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11965900659561156},{"word":"that","start":1955.785,"end":1956.285,"confidence":0.9172363,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.07859274744987488},{"word":"but","start":1957.3049,"end":1957.705,"confidence":0.95947266,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.018903471529483795},{"word":"we","start":1957.705,"end":1957.865,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.048809051513671875},{"word":"will","start":1957.865,"end":1958.1849,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.03432730585336685},{"word":"review","start":1958.1849,"end":1958.585,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.0505632758140564},{"word":"things","start":1958.585,"end":1959.065,"confidence":0.8117676,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":-0.05316140502691269},{"word":"and","start":1959.065,"end":1959.465,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02520424872636795},{"word":"if","start":1959.465,"end":1959.625,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07182957231998444},{"word":"you","start":1959.625,"end":1959.785,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17958632111549375},{"word":"decide","start":1959.785,"end":1960.1849,"confidence":0.99902344,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":-0.1958652138710022},{"word":"you","start":1960.1849,"end":1960.345,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18534108996391296},{"word":"don't","start":1960.345,"end":1960.585,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2170644998550415},{"word":"wish","start":1960.585,"end":1960.745,"confidence":0.9970703,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":-0.24679239094257355},{"word":"to","start":1960.745,"end":1960.905,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14174631237983704},{"word":"take","start":1960.905,"end":1961.145,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.29677659273147583},{"word":"on","start":1961.145,"end":1961.3049,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.291157066822052},{"word":"any","start":1961.3049,"end":1961.5449,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.09603407233953476},{"word":"of","start":1961.5449,"end":1961.705,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08250857889652252},{"word":"that","start":1961.705,"end":1961.865,"confidence":0.9975586,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.07345780730247498},{"word":"that's","start":1961.865,"end":1962.105,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0033877044916152954},{"word":"absolutely","start":1962.105,"end":1962.605,"confidence":0.9980469,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.14532899856567383},{"word":"fine","start":1962.81,"end":1963.05,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.09646917879581451},{"word":"we're","start":1963.05,"end":1963.2101,"confidence":0.99853516,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.11595508456230164},{"word":"just","start":1963.2101,"end":1963.4501,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14117492735385895},{"word":"disclosing","start":1963.4501,"end":1963.9501,"confidence":0.98828125,"punctuated_word":"disclosing","sentiment":"neutral","sentiment_score":0.11871030926704408},{"word":"everything","start":1964.01,"end":1964.4901,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.11968784779310226},{"word":"to","start":1964.4901,"end":1964.5701,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02476947009563446},{"word":"make","start":1964.5701,"end":1964.7301,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04333259165287018},{"word":"sure","start":1964.7301,"end":1964.89,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.08843227475881577},{"word":"that","start":1964.89,"end":1965.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07600647211074829},{"word":"we're","start":1965.13,"end":1965.3701,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06968727707862854},{"word":"open","start":1965.3701,"end":1965.6101,"confidence":0.9980469,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.03786607086658478},{"word":"and","start":1965.6101,"end":1965.77,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.060583993792533875},{"word":"honest","start":1965.77,"end":1966.0901,"confidence":1.0,"punctuated_word":"honest","sentiment":"neutral","sentiment_score":0.12100404500961304},{"word":"with","start":1966.0901,"end":1966.25,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0851995050907135},{"word":"you","start":1966.25,"end":1966.41,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1302727609872818},{"word":"in","start":1966.41,"end":1966.5701,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10594655573368073},{"word":"regard","start":1966.5701,"end":1966.9701,"confidence":0.99121094,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":0.08358244597911835},{"word":"to","start":1966.9701,"end":1967.13,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16083011031150818},{"word":"it","start":1967.13,"end":1967.6101,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.06963717937469482},{"word":"okay","start":1967.6101,"end":1968.1101,"confidence":0.9604492,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.06358659267425537},{"word":"excellent","start":1970.01,"end":1970.51,"confidence":0.99658203,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.7642312049865723},{"word":"fantastic","start":1970.9701,"end":1971.4701,"confidence":0.9995117,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.718130350112915},{"word":"if","start":1972.65,"end":1972.89,"confidence":0.8076172,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.16987405717372894},{"word":"you","start":1972.89,"end":1973.05,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09507428109645844},{"word":"just","start":1973.05,"end":1973.3701,"confidence":0.90771484,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1339014768600464},{"word":"yeah","start":1974.25,"end":1974.75,"confidence":0.94433594,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.033064667135477066},{"word":"yeah","start":1975.29,"end":1975.6101,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06311944127082825},{"word":"you're","start":1975.6101,"end":1975.93,"confidence":0.99853516,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.1095905900001526},{"word":"fine","start":1975.93,"end":1976.43,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.10917523503303528},{"word":"you","start":1978.175,"end":1978.335,"confidence":0.90722656,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.05644981935620308},{"word":"like","start":1978.335,"end":1978.575,"confidence":0.6621094,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.11471862345933914},{"word":"a","start":1978.575,"end":1978.735,"confidence":0.8720703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1323549747467041},{"word":"hug","start":1978.735,"end":1979.235,"confidence":0.8144531,"punctuated_word":"hug?","sentiment":"neutral","sentiment_score":0.12842556834220886},{"word":"yeah","start":1979.775,"end":1980.275,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1339920163154602},{"word":"absolutely","start":1980.335,"end":1980.835,"confidence":0.796875,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.2611226439476013},{"word":"not","start":1982.255,"end":1982.655,"confidence":0.9658203,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.027024798095226288},{"word":"a","start":1982.655,"end":1982.895,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.021937407553195953},{"word":"problem","start":1982.895,"end":1983.395,"confidence":1.0,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.04221330210566521},{"word":"yeah","start":1985.135,"end":1985.635,"confidence":0.8442383,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2844979166984558},{"word":"excellent","start":1985.695,"end":1986.195,"confidence":0.9970703,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6207953691482544},{"word":"no","start":1986.255,"end":1986.495,"confidence":0.99902344,"punctuated_word":"No","sentiment":"positive","sentiment_score":0.5205117464065552},{"word":"problem","start":1986.495,"end":1986.815,"confidence":1.0,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.482802152633667},{"word":"at","start":1986.815,"end":1986.975,"confidence":0.9951172,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5018194913864136},{"word":"all","start":1986.975,"end":1987.135,"confidence":1.0,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.6032608151435852},{"word":"that's","start":1987.135,"end":1987.455,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5772522687911987},{"word":"basically","start":1987.455,"end":1987.935,"confidence":0.9941406,"punctuated_word":"basically","sentiment":"positive","sentiment_score":0.4786495864391327},{"word":"everything","start":1987.935,"end":1988.335,"confidence":0.9980469,"punctuated_word":"everything.","sentiment":"positive","sentiment_score":0.6221741437911987},{"word":"i","start":1988.335,"end":1988.415,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7086097598075867},{"word":"hope","start":1988.415,"end":1988.655,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.7560170292854309},{"word":"you","start":1988.655,"end":1988.815,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.671268105506897},{"word":"have","start":1988.815,"end":1989.055,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7277596592903137},{"word":"a","start":1989.055,"end":1989.135,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7157407999038696},{"word":"lovely","start":1989.135,"end":1989.535,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.7826611995697021},{"word":"afternoon","start":1989.535,"end":1989.935,"confidence":0.81152344,"punctuated_word":"afternoon,","sentiment":"positive","sentiment_score":0.7012604475021362},{"word":"and","start":1989.935,"end":1990.095,"confidence":0.98535156,"punctuated_word":"and,","sentiment":"positive","sentiment_score":0.5266219973564148},{"word":"yeah","start":1990.095,"end":1990.335,"confidence":0.9995117,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.5165120363235474},{"word":"just","start":1990.335,"end":1990.495,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5594577193260193},{"word":"come","start":1990.495,"end":1990.655,"confidence":1.0,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.4979572594165802},{"word":"back","start":1990.655,"end":1990.895,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.5659927725791931},{"word":"if","start":1990.895,"end":1990.975,"confidence":0.9951172,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.6800782680511475},{"word":"there's","start":1990.975,"end":1991.215,"confidence":1.0,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.5662075877189636},{"word":"any","start":1991.215,"end":1991.455,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11744295060634612},{"word":"questions","start":1991.455,"end":1991.855,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.25263482332229614},{"word":"at","start":1991.855,"end":1992.015,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2337832897901535},{"word":"all","start":1992.015,"end":1992.415,"confidence":0.9995117,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.347451388835907},{"word":"easy","start":1992.415,"end":1992.915,"confidence":0.98583984,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.4154170751571655},{"word":"my","start":1995.51,"end":1995.75,"confidence":0.99902344,"punctuated_word":"My","sentiment":"positive","sentiment_score":0.8085922598838806},{"word":"pleasure","start":1995.75,"end":1996.15,"confidence":1.0,"punctuated_word":"pleasure.","sentiment":"positive","sentiment_score":0.8026219010353088},{"word":"thank","start":1996.15,"end":1996.3099,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7993375658988953},{"word":"you","start":1996.3099,"end":1996.47,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8309207558631897},{"word":"for","start":1996.47,"end":1996.63,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8410432934761047},{"word":"your","start":1996.63,"end":1996.7899,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8324224948883057},{"word":"time","start":1996.7899,"end":1997.03,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.8911779522895813},{"word":"this","start":1997.03,"end":1997.19,"confidence":0.9980469,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.84136563539505},{"word":"afternoon","start":1997.19,"end":1997.3899,"confidence":0.9995117,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.8265100717544556},{"word":"i","start":1997.3899,"end":1997.59,"confidence":0.99609375,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7810953855514526},{"word":"hope","start":1997.59,"end":1997.83,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.7916927933692932},{"word":"you","start":1997.83,"end":1997.91,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7156152725219727},{"word":"have","start":1997.91,"end":1998.03,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7088536620140076},{"word":"a","start":1998.03,"end":1998.15,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7320777177810669},{"word":"good","start":1998.15,"end":1998.39,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7259793281555176},{"word":"afternoon","start":1998.39,"end":1998.89,"confidence":1.0,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.7674633264541626},{"word":"thanks","start":2001.19,"end":2001.59,"confidence":0.99560547,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.6324610710144043},{"word":"bianca","start":2001.59,"end":2002.07,"confidence":0.9947917,"punctuated_word":"Bianca.","sentiment":"positive","sentiment_score":0.6052237749099731},{"word":"see","start":2002.07,"end":2002.23,"confidence":0.99902344,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.46121475100517273},{"word":"you","start":2002.23,"end":2002.3099,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.540897011756897},{"word":"later","start":2002.3099,"end":2002.8099,"confidence":0.99902344,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.45845675468444824}],"paragraphs":{"transcript":"\nHi, Bianca. This is Dana. How are you this afternoon? I'm very well. Thank you.\n\nHow's your day been so far? Oh, no. Wow. Yes. Oh, no.\n\nOh, oh, no. What a day. Goodness me. Yeah. Yeah.\n\nYes. Yes. Absolutely. That's kind of why I like to send the adviser and not having any senior management roles or anything like that. I'm happy for someone else to do all of that aspect, and I just talk to clients and do advice and yeah.\n\nNo. Absolutely. Well, hopefully, your afternoon gets a little bit better. I do have your advice document ready to go if you're comfortable going through that now with me. That's fair.\n\nYeah. You're right. Not a problem at all. Beautiful. Is that working for you?\n\nOh, that's okay. You're absolutely fine. You're fine. Yeah. You're right.\n\nNot a worry at all. I was almost I was in the process of sending you a message just to let you know it was me because I was like, oh, you're probably busy in a meeting or you're screening the call, so I'll quickly text you after I left the message to make it easier. Yeah. I can. Yeah.\n\nYep. You can hear me okay? Yeah. Absolutely. Yeah.\n\nOh, wow. Yep. So it should've come through from OdooSign or from my email. Yep. That's the one.\n\nSo if you click on the button that says sign the document, it'll take you through so you can see the statement of advice, and it has your name on the very front there with the 08/19/2026. Yep. Beautiful. Excellent. Now all of our advice is valid for sixty days from the date on the document.\n\nAnd it's stated today, so you have sixty days from presentation to review it and decide whether you're wanting to take the advice on. On the front page has my license registration number, so I'm a licensed adviser through ASIC, and my registration number is 1304394. Okay. With this, I'll take you through the sections that we need to sort touch on to go through the the areas that we need to, and then I'll let you go back to have a really good rate of the document as well. Because as I'm sort of talking through it, sometimes it can be a little bit overwhelming with all the bits and pieces, so giving you time to go back and read it through and take it in is really important as well.\n\nOkay? Excellent. As we are sort of scrolling through pages three, four, and five, we've got the areas that we are just scoping in and out. So we're looking at superannuation. We're looking at insurances for you there as well, and I've scoping the estate planning to make sure your beneficiaries are set up in line with your wishes.\n\nOkay? Areas that we've scoped out for now is looking at potential property, investment properties, and investments outside of super. We can definitely look at those down the track when you are ready to have that more in-depth conversation. For now, we'll just sort out your super insurances and then work on the next thing for you. Okay?\n\nExcellent. If I can get you to move down or scroll, sorry, down to page number 12, this is the start of the recommendations there for you. Beautiful. So with this one here, I did go back and have a look at Hub twenty four as well as any other super fund out there, making sure that you were in a good fund, that it was working for you, but also reassessing the investments because we had noted that some of those were underperforming a little bit. I have recommended that we do stay with Hub twenty four.\n\nI know it wasn't your favorite fund, but one of the biggest things that I do look at when we do look at super funds is the the CGT cost around the selling and the changing of investments. So, essentially, I did look at you know, hub twenty four does realistically have the most amount of investments available out of most of the adviser platforms. And if we were to sell down your total portfolio, the CGT cost was so much higher. So it does work out better to retain Hub twenty four and be able to switch the investments within in them to make them work a bit harder for you. If you are finding that you are struggling with Hub 24 that the the app or, you know, utilizing it isn't working well for you, let me know.\n\nI'm happy to send you reports and break things down and give you updated balances and things like that on a more regular basis as well. But it just didn't work out cost effective to move you to a whole another platform. So I have recommended to retain Hub twenty four and switch the investments within that. I am recommending that you keep your salary sacrifice as it is at the moment. So it is working really well for you because you are obviously, you have a family and kids.\n\nI didn't wanna eat away too much of your income. But because your income does increase quite regularly each year, as you move up in the tax brackets, it might be worthwhile looking at later down the track at additional ways to help reduce tax without that being your total goal, looking at ways to help kind of, you know, reduce or limit the amount of tax payable and benefit super down the track. So I look to retain your salary sacrifice as it is and just sort of switch those investments out there for you. To show you how I'm going to change those investments to make it easier, if you move down to page number 18, Beautiful. So this is the fee comparison table.\n\nSo it essentially shows you the reason behind my recommendations. As I kinda mentioned, when we do make switches of investments, like your super fund, just like you, does a tax return every year, they pay income tax and capital gains tax and things like that. So when I looked at how to switch the investments and make the changes, the changes I'm recommending will result only in about a $127 as a CDT consequence for your super. So it essentially means that your balance is $191,001.28 currently. We only expect after the changes a 127 in CGT, which means your starting balance remains higher.\n\nWith the new changes, and I'll take you through individually in a second, the new portfolio is also cheaper in investment fees. So you're currently paying 851 for the year in investment fees for the current portfolio. The newer portfolio I'm recommending saves you about $284 in investment fees there. So that outweighs the CGT cost of making the switch and makes the portfolio cheaper for you long term as well. I also noted that because of the difference in balance, obviously, our ongoing adviser fee is reduced a little bit as well, expected to save you about $65 for the year.\n\nAnd then I have made a recommendation on insurances to factor in as well. That does mean the insurance cost expected is to be a little bit higher. The other thing I sort of look at and factor in is how the portfolios have been performing. So you're currently in that high growth environment wanting to take a bit more risk in the market to get those greater potential returns. The newer portfolio has averaged about 9.77% on a yearly basis over the past five years, whereas the new portfolio has averaged about 11.33%.\n\nSo when we take into account switching the investments to CGT costs, the reduction investment fees, and how the the newer portfolio has performed in the past, we can see as per the projection table below that it's expected to put you in a greater position over the next five to ten years, which is really good and important. Okay? Do you have any questions so far? No? Beautiful.\n\nIf you scroll further down there for me to page number 20, this is the switch of the investment. Yeah. You're right. Beautiful. So on here, we've got the table noting all the different investments and how you are invested within your super fund currently.\n\nSo, essentially, in order to make the changes, we have all the investments noted here. The red and the green is what we're gonna be selling down and buying. And then the last two columns, your target waiting and target balance is where we see your balance once once the switch has been completed. So, essentially, we are gonna sell off all the battery and lithium tax, remove the ban along Australian equities as it's been underperforming, remove the bank hybrids as they are being phased out down the track there as well, and the China new economy will be completely gone there as well. We are gonna keep the physical gold that has been performing well, but you're a bit overweighted there at the moment.\n\nSo we just wanna sell some of the gains and submit those and then have that redistributed the compounding into your portfolio. We've also got the cybersecurity there. So you're a bit overweighted at the moment. We're gonna sell a little bit of that off to bring you back to 7%. It's a bit of a rebalance there as well.\n\nThe S and P 500, you've got about 34.10%, so we only really wanna hold about 25% in the portfolio. So we're gonna sell some of that off and just rebalance you back to 25%. The Van Ness property property has been a little bit of a dip, especially since the changes have come into play where it's been underperforming in your portfolio as well. So we're removing that completely. We've also got the a beta shares Raffy two hundred.\n\nWe found a much cheaper way to hold Australian equities, so we are removing this from the portfolio completely as well. What we're gonna be adding into sorry. The Raffy. My apologies. I'm looking at the wrong line.\n\nWe're gonna get a whole 50%. We're keeping some of that in there. Sorry, Bianca. I'm looking at the wrong line. We're gonna keep some of the raffy in there for you.\n\nWe are kinda gonna get rid of just sell it off to rebalance a little bit back there for you, but we do wanna hold Australian equities, and we found a much cheaper way to hold more Australian equities. We're going to add in there the India Quality ETF. We wanna hold about 7% weighting in there. India is a rally a really good place to see growth. And then we've also seen the got the Global X Healthcare.\n\nThis is Global Healthcare, so giving you exposure to health care across the globe, essentially. And then as I mentioned before, we're getting rid of the ban along Australian equities and rebalancing the Raffy back a little bit, but we're also gonna hold the a 200. So between the Australia 200 and the Raffy 200, we're giving you exposure to about a bit over 25% in Australian equities there. So you do wanna hold as much as we can, but it's making sure that you've got a good weighting, and it's actually increasing your diversification into Australian equities as well whilst reducing the cost of the portfolio. So we'll buy into the a 200 there, and you'll hold about 10% of that and then 15% of the a 200 portfolio.\n\nBecause you are realistically younger and can can sustain a little bit of more risk in the portfolio, I've also included the JPMorgan Global Research Enhanced Equity Fund. This here is more of an actively managed fund, so it utilizes JPMorgan's research team to look for areas of growth. It is a cheap fund to have, but it does give you a little bit of active management in there as well. And it's global, so it's well diversified, and it's not an expensive fund to hold as well. So we do wanna hold about 15% of that in your portfolio.\n\nWe'll keep to monitor that moving forward. And if we find it's not performing the way we hoped it would, we'll look to swap it out. But this year, it has done really, really well, and JPMorgan's research team is one of the biggest in the globe. So it is well worth having a little bit of exposure into that for you. And then we've also got the core composite bonds there.\n\nSo we are removing the bank hybrids out of the portfolio. We still wanna hold some defensive assets. When you're in that high growth environment, we still wanna hold around about 10%. We do hold roughly 10%, but we have a variance of about 5% in our portfolio. So we're only gonna only gonna hold 7% of this investment, making sure that we're still having defensive assets, but making sure that you do, you know, have a good quality of growth assets within your portfolio as well to obtain greater growth.\n\nThis is in a high growth environment, so we'll keep monitoring it to make sure that it is working harder for you. If at any point any of these starts to underperform, we'll look to move them out nice and quick. But, essentially, once that switch has been made, you'll essentially see some physical gold, the cybersecurity. You'll have access to the S and P 500 and Australian equities. We'll see some India exposures in health care and that JPMorgan Global retouched enhanced Equity Fund in there and then some defensive assets like bonds in there as well.\n\nSo that's essentially the changes that we do wanna make to the portfolio. Do you have any questions about that? No. Beautiful. Excellent.\n\nThe next page, it does have your cash account there. So at the moment, within Hub twenty four, we only really need to hold about 1.25% cash. That's their minimum cash holding. We you currently have about 1.80%. So we are gonna take about a thousand of that and reinvest it.\n\nRealistically, it costs you money to have money sitting in cash. So we we just wanna make sure as much of your portfolio is invested as absolutely possible and just hold the minimum cash balance there for you. That is essentially how we'll see the waiting. If you look at the next page down, it essentially shows you the proposed versus the current asset allocation. So generally speaking, as I mentioned, in that high growth environment, you have that ninety ten split.\n\nWith what we've proposed with the investments, you're gonna see about 93 in growth assets, so Australian and international equities property and alternative growth assets like gold, and then just about 7% in those fixed interest low risk investments like bonds. So that's essentially how we'll see that split changing. It is increasing your growth exposure from where you currently are. You're a little bit under that 92.60, and you have about 7.40% in defensive assets at the moment. So it is increasing that exposure into growth assets a little bit and decreasing your defensive exposure, but we'll keep monitoring that.\n\nIf you do find at any point that you're a bit unsure about being in that high growth portfolio or you are a bit concerned about the markets, please let me know. More than happy to talk you short and or reassess your risk profile at any point in time. One of the biggest things is it's fine to be in a high growth environment at your agent stage, but it's also gotta be to your comfort level as well. And we can always you know, if we start to reduce the risk, look at maybe increasing contributions down the track to kinda mitigate the the risk reduction as well. Okay?\n\nExcellent. Do you have any questions so far at all? No? Easy. If you move down to page number 23, the next thing that we were looking at was the insurance side of things for you.\n\nSo as I kinda went through the insurance side of things for you. So as I kinda went through the projection table above, we also talked about last time looking at adding some income protection. Initial the initial recommendation was we were gonna start by increasing your life and TPD, but we started this call to sort of hold back on the life and TPD, keep it at the same level that you do have. With your life and total permanent disability, you currently have a sum insured of 863,258. You mentioned that you were comfortable with me just adding that income protection to show you what that would look like, and then you get to go back and decide whether you want the income protection or not.\n\nBased on your current income at a 165,000, It means we would be adding income protection to give you a monthly benefit of 9,625. We're looking at a thirty day waiting period, so you don't have to be off work for as long in order to claim on the policy. But last time we called up, you were happy just a two year benefit knowing what you do for work and mostly administration. You did kinda feel that was fairly appropriate. Do you still feel like that benefit period's fairly appropriate?\n\nHas anything changed in your mind with regard to that? That's, yeah, that's how long you can be on an income protection claim for. Realistically, under sort of the way it works, most claims are dealt with within that two year period. As you can imagine, insurers don't really wanna be paying claims for a long period of time. So when and if you are off work, they're gonna be trying to find ways for you to get back to work.\n\nYou can also have a five year benefit period. It does increase the cost of the cover, and you can have an age 65 benefit period as well. So if you did wanna look at those additional quotes, I'm happy to generate them for you. It's not a problem. It's just that when we spoke last time, you were okay with a two year benefit period to try and keep the cost lower.\n\nWe also talked about the risk of something happened being an admin worth out, same as me. We can realistically work from home as well. So the risk of, you know, something happening to us would have to be pretty drastic to be able to make that claim there. But has anything changed with regard to that? Do you sort of feel that that's fairly still appropriate?\n\nOr that's just yeah. That that's okay. All good. At the moment, the total premium paid out of Super four year policy, you paid $431.83 for the year by adding the income protection. And we're adding it with MetLife because we're attaching it to your current life and TPD policy, which means that we do get a discount.\n\nWe get a multi policy discount for linking them. And it essentially means that it would increase your total premium to $1,467.24. That is the amount that's taken out of super for that for the year. You the insurer actually receives the $1,726.17. But because of the way taxation is in super, you get a rebate or a bit of a discount for the premium when it is taken out of the super system.\n\nSo you actually pay a little bit less to that, 15% less for the premium than what the insurer receives, which is great. It would be great if we got those kinds of discounts all the time. Unfortunately, it's just the super. So that's just, Yeah. Sure.\n\nMhmm. A lice NTBD. Yeah. Yeah. That's how, yeah, that's how much the insurer has received.\n\nThe amount that's come out of super is the $4.31. You get a 15 percent discount on that. So you pay a little bit less for the premium. And then if you yep. Yep.\n\nYep. Yep. Yep. Correct. Yep.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nAbsolutely. In the appendices that we have attached, as I mentioned last time, I also added the alternative projection to show, obviously, the projected outcome if you decide not to take the income protection side of things, because one of the things we talked about was whether you felt like you needed income protection at the time. With the with the ten year projection, obviously, it shows in the SOA there on page 18 that over the next ten years, given the current projection table, you could end up with $3.71 in five years' time or 623,000 in ten years' time. With not taking the income protection, if you decide you don't need that anymore, then, obviously, the projection is increased by a difference of about 14,398. So over the course of ten years, we're still moving into the newer portfolio and making the other changes but not taking income protection.\n\nThe ten year premium projection means you could end up with about 637,000. So it's a little over $14,000 difference in the ten year projected outcome, but it also comes down to your comfort level as well. So you're welcome to run your eyes over that. Have a think about what your goals are and what your level what your comfort level is. And if you decide you don't want the income protection, that's absolutely fine.\n\nOn the very last page, we've got that little multiline text box for you. You can just make a note in there that outlines what you are not wanting to take on board as part of the recommendations. Okay? Excellent. Essentially, keeping it with MetLife is appropriate because, obviously, you get a bit of a discount when you link all the policies together.\n\nMetLife also has some additional other benefits there, so I'm not really sure if you're aware. But as you still you do have life and TBD with MetLife. You do have access to the MetLife three sixty health. That's at no additional cost to yourself, and it provides virtual access to a range of health and well-being services to you and your family members. These include things like mental health support, expert medical opinions, nutrition, fitness, and mobility, and recovery.\n\nIf you have a look in the PDF that I have attached there for you, it outlines a bit more about the MetLife three sixty health platform and what that can help you with. And because you've got that life and TPD with MetLife, even if you don't take the income protection side of things, you still got access to that benefit. So have a look in the PDF there as to what kind of benefits that they offer. You might be able to get some, you know, free nutritional fitness mobility, you know, clinical support from doctors and things like that as well. Okay?\n\nYeah. Excellent. If you scroll down a little bit further for me just to, sorry, page number 30, this is essentially going through the next part of the recommendations with the insurances. So the other side of it was looking at trauma for yourself and then child trauma for the two kids, looking at around about a 120,000 of trauma for yourself paid out of pocket, and then making sure that the kids had a 100,000 of child trauma age as well to make sure that they were covered. I did review the last recommendation with the newer policies.\n\nI'm still recommending Clearview for that solely because Clearview is still a really good policy provider. MetLife don't offer child trauma policies. They have, like, an optional extras policy, but it's not child trauma as such. So we did have to look elsewhere to make sure that you could have those set policies. For Oliver and Parker, we're looking at the same as last time.\n\nI am also recommending that we add a little bit of life cover to the trauma policy. Essentially, it does work out a lot cheaper to link the policies together. You get that multi policy discount side of things. So by linking the trauma and the the life together, it essentially shows the monthly premium expected is $28.71 there. If we just looked at the trauma policy and the child trauma on its own without the additional sorry.\n\nI'm just gonna add these two together because it's $17.26 and $28.71 to include all the policies. So for the child trauma policies and the life and trauma for yourself, the two policies added together, it's $45.97. If we did not link the life policy to that, the out of pocket premium for your adult cover plus the child trauma policies was about $54.43. So it worked out cheaper to link a little bit of life cover to it. But then, also, one of the benefits to having that life cover outside of SUFA is you do get that funeral benefit as well.\n\nSo if in the event that you were to pass away with just having that life cover held inside super, there's no upfront kind of immediate expenses for funeral costs that can be paid out. Your family has to go through the claims process to have the money released, Whereas having this little bit of insurance or life cover outside of super means that once the the death certificate is provided, your family or your executor of your will can go and claim, or the beneficiary, you know, whoever you sort of nominated can go and claim that 25,000 from Clearview as an upfront cost to cover your to your funeral, sorry, and any immediate expenses that are sort of brought up as due to the your passing or related to the kids around those sorts of areas. So it does provide you with that benefit that you don't get with having that life cover inside super, but it's also making the total policies cheaper between the three of them by giving you that multi policy discount there as well. Again, this is sort of showing you how it works. In the appendices, I've also got a breakdown of just stand alone trauma policy with the child trauma there just so you can see the difference and you get to decide what's more comfortable for you.\n\nOkay? Excellent. That is essentially most of the recommendations around it around that we've made. You've got the advantages, disadvantages, the risks involved. I've also noted the best interest, Judy, and linked all of this back to your goals as well.\n\nSo you're welcome to have a bit of a read through. The only other thing to kinda yes. Yeah. Sure. Yes.\n\nIt is. No. No. It's a 100,000 per child. Yeah.\n\nNo. It's it's 17 covers both. It's a monthly premium for the two child trauma policies. Yeah. Yeah.\n\nYeah. Nice. No. You're absolutely fine. It's absolutely fine.\n\nIt just it's the way Cleave you kinda notice it, but it is just a $17.26 per month for that one. And then the same as last time, like, with these policies, the best thing about them is that you're making or setting them up while they're young. So when they do turn 21, the policies revert to adult life policies, and they've had these policies in place. So any additional there's no additional underwriting for the transfer of these policies to their name when they're older, which is kind of cool. It just sort of protects them in the event that something happens.\n\nAnd it also pays out a lump sum benefit of the funds if they pass away as well. So child trauma pays out in the event of a major traumatic condition, but if they pass away, you can also claim on that policy as well. So it kinda gives you a little bit of extra cover for a very small out of pocket cost, essentially. Yeah. All good.\n\nThe other side of that is just the beneficiary side. So we did make that we did talk about how you wanted in the event of passing, essentially, the funds to be paid directly to your two kids. I've updated the beneficiary recommendations to the legal personal representative on your super, the MetLife life policy, and also the new recommended Clearview life policy as well, which essentially means that in the event that you were to pass away, all of the having this updated means that all of the super and life insurance proceeds are directed through your will. And then it's just really important that your will is done up, and that is stipulated in the body of the will, how you would like those funds to be paid so they are paid to your kids. One of the biggest things is because they are so young, the funds are not paid directly to the minor children.\n\nThey're paid to their guardian. So having it directed through your will means that you can have, you know, trust set up. You can have stipulations made on who the money goes to, whether you want, you know, more than one person to be the guardian of the funds and pay the funds out in certain ways, income streams as they get older, or if you wanna pay to a certain adult to make sure the kids do receive the funds and can, you know, cover school costs, the university costs, and things like that as well. So it does give you a lot more clarity and control over how you want those funds to be paid. So I did update that recommendation to reflect to make sure that any any of your life and super proceeds are paid direct to your will.\n\nAnd then it's just important to have a solicitor review your will, power of attorney, and probably guardianship documents as well just to make sure that everything is set as per your wishes. And that's something we've definitely talked about in the past where, you know, you're like me, our kids are everything, and we just wanna make sure that they are looked after and protected. And you work well and truly way too hard to have that money wasted away and not directed to where you want it to be, essentially. Yeah. Especially after the day, it seems like you've had.\n\nNo. It's all good. Look. A lot of this is very much the same as what I recommended last time. I did go back and review everything to make sure it was on par.\n\nMetLife, with the income protection linking, it did definitely cost a lot less than, say, having it done through ClearView. And MetLife are a really good provider of insurances. So feel free to run your eyes over that. Have a read through the advantages, the disadvantages, and, obviously, the best interest duty. If you find you have any questions, you're welcome to let me know by phone call or email.\n\nI'll happily answer anything that you have. On the very last page there, we do have the text box, the multiline text box that outlines essentially, if there's any part of the recommendations that you're choosing not to take on board to absolutely make a note in there, and we review that for you as part of it. And I've also got depending on how much reading you enjoy doing, I've got the MetLife PDF for you, the HUB24 PDF, and the Clearview PDF as well. So you're welcome to, you know, run your eyes over that, have a look at the different conditions that I covered, have a look at the different, you know, exclusions and policy information around each of the different policies to sort of get your head around it. And feel free to come back and let me know if there's any additional questions there.\n\nOkay? Excellent. I try to keep it not too crazy because it's a lot to kinda go through when you're sort of looking at the documents. So I like to just make sure that you get the information that you need, and then you get to take it back and have a bit of a read of it, have a a glass of wine or a nice hot coffee or whatever your poison might be, and just sort of sit back and have a really good read of the document. I do also just have to let you know before we sort of end the phone call that we do receive remuneration from the insurers for recommending and writing these insurance policies.\n\nIt is really important to note that that has no effect on my recommendations in any way, shape, or form. We provide advice under the best interest duty, which is part of the corporations act. So any advice is there to meet your goals and be in your best interest. Under the legislation with regard to remuneration, we do receive 56% of the first year's premium and then 22% there ongoing, but we have a duty to disclose that to you. That is noted in the advice document on page 44 as well and 45 so you can see how much we are expected to receive based on that.\n\nBut we will review things, and if you decide you don't wish to take on any of that, that's absolutely fine. We're just disclosing everything to make sure that we're open and honest with you in regard to it. Okay? Excellent. Fantastic.\n\nIf you just yeah. Yeah. You're fine. You like a hug? Yeah.\n\nAbsolutely. Not a problem. Yeah. Excellent. No problem at all.\n\nThat's basically everything. I hope you have a lovely afternoon, and, yeah, just come back if there's any questions at all. Easy. My pleasure. Thank you for your time this afternoon.\n\nI hope you have a good afternoon. Thanks, Bianca. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Bianca.","start":1.92,"end":2.56,"sentiment":"neutral","sentiment_score":0.2298252433538437},{"text":"This is Dana.","start":2.56,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.19487378497918448},{"text":"How are you this afternoon?","start":3.1999998,"end":4.34,"sentiment":"neutral","sentiment_score":0.33327051997184753},{"text":"I'm very well.","start":6.64,"end":7.68,"sentiment":"positive","sentiment_score":0.6419903834660848},{"text":"Thank you.","start":7.68,"end":8.0,"sentiment":"positive","sentiment_score":0.7067631483078003}],"sentiment":"positive","sentiment_score":0.40334145923455555,"num_words":15,"start":1.92,"end":8.0},{"sentences":[{"text":"How's your day been so far?","start":8.0,"end":9.7,"sentiment":"positive","sentiment_score":0.374493474761645},{"text":"Oh, no.","start":16.904999,"end":17.805,"sentiment":"neutral","sentiment_score":-0.05704500526189804},{"text":"Wow.","start":18.265,"end":18.765,"sentiment":"neutral","sentiment_score":-0.016151120886206627},{"text":"Yes.","start":23.145,"end":23.645,"sentiment":"neutral","sentiment_score":-0.0625758022069931},{"text":"Oh, no.","start":32.28,"end":33.34,"sentiment":"negative","sentiment_score":-0.3369412273168564}],"sentiment":"neutral","sentiment_score":0.11502178835993011,"num_words":12,"start":8.0,"end":33.34},{"sentences":[{"text":"Oh, oh, no.","start":34.6,"end":36.46,"sentiment":"neutral","sentiment_score":-0.0829172171652317},{"text":"What a day.","start":37.32,"end":38.28,"sentiment":"neutral","sentiment_score":-0.2034363349278768},{"text":"Goodness me.","start":38.28,"end":39.34,"sentiment":"neutral","sentiment_score":-0.09564260765910149},{"text":"Yeah.","start":42.945,"end":43.445,"sentiment":"neutral","sentiment_score":-0.06628359854221344},{"text":"Yeah.","start":43.585,"end":44.085,"sentiment":"neutral","sentiment_score":-0.08049315959215164}],"sentiment":"neutral","sentiment_score":-0.11971226297318935,"num_words":10,"start":34.6,"end":44.085},{"sentences":[{"text":"Yes.","start":46.785,"end":47.285,"sentiment":"neutral","sentiment_score":-0.05552223324775696},{"text":"Yes.","start":47.505,"end":48.005,"sentiment":"neutral","sentiment_score":0.0027215220034122467},{"text":"Absolutely.","start":48.145,"end":48.645,"sentiment":"neutral","sentiment_score":0.04559719190001488},{"text":"That's kind of why I like to send the adviser and not having any senior management roles or anything like that.","start":48.865,"end":54.785,"sentiment":"neutral","sentiment_score":-0.06061674814139094},{"text":"I'm happy for someone else to do all of that aspect, and I just talk to clients and do advice and yeah.","start":54.785,"end":60.940002,"sentiment":"neutral","sentiment_score":0.07524566877294671}],"sentiment":"neutral","sentiment_score":0.008157597449810608,"num_words":46,"start":46.785,"end":60.940002},{"sentences":[{"text":"No.","start":61.32,"end":61.82,"sentiment":"neutral","sentiment_score":-0.26259660720825195},{"text":"Absolutely.","start":62.440002,"end":62.940002,"sentiment":"negative","sentiment_score":-0.3661807179450989},{"text":"Well, hopefully, your afternoon gets a little bit better.","start":63.72,"end":66.36,"sentiment":"neutral","sentiment_score":-0.026001537011729345},{"text":"I do have your advice document ready to go if you're comfortable going through that now with me.","start":66.36,"end":71.274994,"sentiment":"neutral","sentiment_score":0.12721182592213154},{"text":"That's fair.","start":73.09499,"end":73.835,"sentiment":"neutral","sentiment_score":0.09093008562922478}],"sentiment":"neutral","sentiment_score":0.05189941547090007,"num_words":31,"start":61.32,"end":73.835},{"sentences":[{"text":"Yeah.","start":74.454994,"end":74.695,"sentiment":"neutral","sentiment_score":0.0870082676410675},{"text":"You're right.","start":74.695,"end":75.335,"sentiment":"neutral","sentiment_score":0.1453545019030571},{"text":"Not a problem at all.","start":75.335,"end":76.715,"sentiment":"neutral","sentiment_score":0.2787344604730606},{"text":"Beautiful.","start":79.255,"end":79.74,"sentiment":"positive","sentiment_score":0.4899474084377289},{"text":"Is that working for you?","start":91.259995,"end":92.799995,"sentiment":"neutral","sentiment_score":0.1921890765428543}],"sentiment":"neutral","sentiment_score":0.2301630260688918,"num_words":14,"start":74.454994,"end":92.799995},{"sentences":[{"text":"Oh, that's okay.","start":95.615,"end":96.494995,"sentiment":"neutral","sentiment_score":0.05800710245966911},{"text":"You're absolutely fine.","start":96.494995,"end":97.954994,"sentiment":"neutral","sentiment_score":0.21634568770726523},{"text":"You're fine.","start":98.735,"end":99.555,"sentiment":"neutral","sentiment_score":0.03631683066487312},{"text":"Yeah.","start":103.774994,"end":104.015,"sentiment":"neutral","sentiment_score":0.09801842272281648},{"text":"You're right.","start":104.015,"end":104.655,"sentiment":"neutral","sentiment_score":0.18594790995121002}],"sentiment":"neutral","sentiment_score":0.12414602495052597,"num_words":11,"start":95.615,"end":104.655},{"sentences":[{"text":"Not a worry at all.","start":104.655,"end":105.534996,"sentiment":"neutral","sentiment_score":0.11234999373555184},{"text":"I was almost I was in the process of sending you a message just to let you know it was me because I was like, oh, you're probably busy in a meeting or you're screening the call, so I'll quickly text you after I left the message to make it easier.","start":105.534996,"end":116.44,"sentiment":"neutral","sentiment_score":-0.04392271967349099},{"text":"Yeah.","start":127.795,"end":128.035,"sentiment":"neutral","sentiment_score":0.06294285506010056},{"text":"I can.","start":128.035,"end":128.435,"sentiment":"neutral","sentiment_score":0.07835186645388603},{"text":"Yeah.","start":128.435,"end":128.675,"sentiment":"neutral","sentiment_score":0.06181406229734421}],"sentiment":"neutral","sentiment_score":-0.023280801406751078,"num_words":60,"start":104.655,"end":128.675},{"sentences":[{"text":"Yep.","start":128.675,"end":128.995,"sentiment":"neutral","sentiment_score":0.06419602781534195},{"text":"You can hear me okay?","start":128.995,"end":130.135,"sentiment":"neutral","sentiment_score":0.017405619472265245},{"text":"Yeah.","start":148.03,"end":148.53,"sentiment":"neutral","sentiment_score":0.05088061839342117},{"text":"Absolutely.","start":152.375,"end":152.875,"sentiment":"neutral","sentiment_score":0.18575558066368103},{"text":"Yeah.","start":153.815,"end":154.315,"sentiment":"neutral","sentiment_score":0.08554694056510925}],"sentiment":"neutral","sentiment_score":0.05260080719987551,"num_words":9,"start":128.675,"end":154.315},{"sentences":[{"text":"Oh, wow.","start":161.01,"end":163.18999,"sentiment":"neutral","sentiment_score":0.0800559725612402},{"text":"Yep.","start":165.73,"end":166.23,"sentiment":"neutral","sentiment_score":0.07099459320306778},{"text":"So it should've come through from OdooSign or from my email.","start":169.97,"end":173.34999,"sentiment":"neutral","sentiment_score":0.06531762839718298},{"text":"Yep.","start":176.295,"end":176.535,"sentiment":"neutral","sentiment_score":0.10817605257034302},{"text":"That's the one.","start":176.535,"end":177.415,"sentiment":"neutral","sentiment_score":0.14216195543607077}],"sentiment":"neutral","sentiment_score":0.08245902053183979,"num_words":18,"start":161.01,"end":177.415},{"sentences":[{"text":"So if you click on the button that says sign the document, it'll take you through so you can see the statement of advice, and it has your name on the very front there with the 08/19/2026.","start":177.415,"end":186.51,"sentiment":"neutral","sentiment_score":0.10700288656595591},{"text":"Yep.","start":189.15,"end":189.54999,"sentiment":"neutral","sentiment_score":0.27531975507736206},{"text":"Beautiful.","start":189.54999,"end":190.04999,"sentiment":"positive","sentiment_score":0.7395325899124146},{"text":"Excellent.","start":190.11,"end":190.59,"sentiment":"positive","sentiment_score":0.7377957105636597},{"text":"Now all of our advice is valid for sixty days from the date on the document.","start":190.59,"end":193.89,"sentiment":"neutral","sentiment_score":0.28952299151569605}],"sentiment":"neutral","sentiment_score":0.18471647719187395,"num_words":56,"start":177.415,"end":193.89},{"sentences":[{"text":"And it's stated today, so you have sixty days from presentation to review it and decide whether you're wanting to take the advice on.","start":194.18999,"end":200.175,"sentiment":"neutral","sentiment_score":0.20802260003983974},{"text":"On the front page has my license registration number, so I'm a licensed adviser through ASIC, and my registration number is 1304394.","start":200.655,"end":208.41501,"sentiment":"neutral","sentiment_score":0.12342739647085016},{"text":"Okay.","start":208.41501,"end":208.91501,"sentiment":"neutral","sentiment_score":0.2035141885280609},{"text":"With this, I'll take you through the sections that we need to sort touch on to go through the the areas that we need to, and then I'll let you go back to have a really good rate of the document as well.","start":210.255,"end":218.83,"sentiment":"neutral","sentiment_score":0.2671904017563996},{"text":"Because as I'm sort of talking through it, sometimes it can be a little bit overwhelming with all the bits and pieces, so giving you time to go back and read it through and take it in is really important as well.","start":218.83,"end":228.815,"sentiment":"neutral","sentiment_score":-0.09096006463680949}],"sentiment":"neutral","sentiment_score":0.1180327566107735,"num_words":132,"start":194.18999,"end":228.815},{"sentences":[{"text":"Okay?","start":228.815,"end":229.315,"sentiment":"neutral","sentiment_score":0.0572984404861927},{"text":"Excellent.","start":230.57501,"end":231.07501,"sentiment":"positive","sentiment_score":0.5814435482025146},{"text":"As we are sort of scrolling through pages three, four, and five, we've got the areas that we are just scoping in and out.","start":231.695,"end":237.535,"sentiment":"neutral","sentiment_score":0.19139516601959863},{"text":"So we're looking at superannuation.","start":237.535,"end":238.835,"sentiment":"neutral","sentiment_score":0.15349756181240082},{"text":"We're looking at insurances for you there as well, and I've scoping the estate planning to make sure your beneficiaries are set up in line with your wishes.","start":239.68001,"end":246.98001,"sentiment":"neutral","sentiment_score":0.29827075770923067}],"sentiment":"neutral","sentiment_score":0.24324228810304302,"num_words":59,"start":228.815,"end":246.98001},{"sentences":[{"text":"Okay?","start":247.2,"end":247.7,"sentiment":"neutral","sentiment_score":0.12226903438568117},{"text":"Areas that we've scoped out for now is looking at potential property, investment properties, and investments outside of super.","start":249.28,"end":256.005,"sentiment":"neutral","sentiment_score":0.10899216250369423},{"text":"We can definitely look at those down the track when you are ready to have that more in-depth conversation.","start":256.225,"end":260.485,"sentiment":"neutral","sentiment_score":0.250972812113009},{"text":"For now, we'll just sort out your super insurances and then work on the next thing for you.","start":261.025,"end":265.505,"sentiment":"neutral","sentiment_score":0.1762448458207978},{"text":"Okay?","start":265.505,"end":266.005,"sentiment":"neutral","sentiment_score":0.10561595857143402}],"sentiment":"neutral","sentiment_score":0.17654528854222135,"num_words":58,"start":247.2,"end":266.005},{"sentences":[{"text":"Excellent.","start":267.35,"end":267.85,"sentiment":"positive","sentiment_score":0.5196715593338013},{"text":"If I can get you to move down or scroll, sorry, down to page number 12, this is the start of the recommendations there for you.","start":268.31,"end":275.53,"sentiment":"neutral","sentiment_score":0.24719027831004217},{"text":"Beautiful.","start":285.285,"end":285.785,"sentiment":"positive","sentiment_score":0.554389476776123},{"text":"So with this one here, I did go back and have a look at Hub twenty four as well as any other super fund out there, making sure that you were in a good fund, that it was working for you, but also reassessing the investments because we had noted that some of those were underperforming a little bit.","start":286.085,"end":301.07,"sentiment":"neutral","sentiment_score":0.15086653279298443},{"text":"I have recommended that we do stay with Hub twenty four.","start":301.45,"end":304.09,"sentiment":"neutral","sentiment_score":0.17279976335438815}],"sentiment":"neutral","sentiment_score":0.186764603100565,"num_words":98,"start":267.35,"end":304.09},{"sentences":[{"text":"I know it wasn't your favorite fund, but one of the biggest things that I do look at when we do look at super funds is the the CGT cost around the selling and the changing of investments.","start":304.09,"end":315.165,"sentiment":"neutral","sentiment_score":0.0003789507195745644},{"text":"So, essentially, I did look at you know, hub twenty four does realistically have the most amount of investments available out of most of the adviser platforms.","start":315.30502,"end":323.63998,"sentiment":"neutral","sentiment_score":0.07369503383179782},{"text":"And if we were to sell down your total portfolio, the CGT cost was so much higher.","start":324.18,"end":328.98,"sentiment":"neutral","sentiment_score":-0.12927031648509643},{"text":"So it does work out better to retain Hub twenty four and be able to switch the investments within in them to make them work a bit harder for you.","start":328.98,"end":336.615,"sentiment":"neutral","sentiment_score":0.10267973430454731},{"text":"If you are finding that you are struggling with Hub 24 that the the app or, you know, utilizing it isn't working well for you, let me know.","start":337.01498,"end":344.935,"sentiment":"neutral","sentiment_score":-0.21869070854570186}],"sentiment":"neutral","sentiment_score":-0.023116979639910693,"num_words":140,"start":304.09,"end":344.935},{"sentences":[{"text":"I'm happy to send you reports and break things down and give you updated balances and things like that on a more regular basis as well.","start":344.935,"end":351.095,"sentiment":"positive","sentiment_score":0.5555772701135049},{"text":"But it just didn't work out cost effective to move you to a whole another platform.","start":351.095,"end":355.23,"sentiment":"neutral","sentiment_score":-0.19129572110250592},{"text":"So I have recommended to retain Hub twenty four and switch the investments within that.","start":355.77002,"end":360.35,"sentiment":"neutral","sentiment_score":0.16160606096188226},{"text":"I am recommending that you keep your salary sacrifice as it is at the moment.","start":360.73,"end":364.41,"sentiment":"neutral","sentiment_score":0.2762886921564738},{"text":"So it is working really well for you because you are obviously, you have a family and kids.","start":364.41,"end":369.135,"sentiment":"positive","sentiment_score":0.5955879042545954}],"sentiment":"neutral","sentiment_score":0.3185920117629899,"num_words":90,"start":344.935,"end":369.135},{"sentences":[{"text":"I didn't wanna eat away too much of your income.","start":369.135,"end":371.235,"sentiment":"neutral","sentiment_score":-0.04453206285834312},{"text":"But because your income does increase quite regularly each year, as you move up in the tax brackets, it might be worthwhile looking at later down the track at additional ways to help reduce tax without that being your total goal, looking at ways to help kind of, you know, reduce or limit the amount of tax payable and benefit super down the track.","start":371.615,"end":391.19,"sentiment":"neutral","sentiment_score":0.20191095664631575},{"text":"So I look to retain your salary sacrifice as it is and just sort of switch those investments out there for you.","start":391.19,"end":398.075,"sentiment":"neutral","sentiment_score":0.28250987150452356},{"text":"To show you how I'm going to change those investments to make it easier, if you move down to page number 18, Beautiful.","start":398.215,"end":417.05,"sentiment":"neutral","sentiment_score":0.3251635341540627},{"text":"So this is the fee comparison table.","start":417.11,"end":418.87,"sentiment":"neutral","sentiment_score":0.2178500656570707}],"sentiment":"neutral","sentiment_score":0.21980880567478756,"num_words":126,"start":369.135,"end":418.87},{"sentences":[{"text":"So it essentially shows you the reason behind my recommendations.","start":418.87,"end":421.53,"sentiment":"neutral","sentiment_score":0.19896570593118668},{"text":"As I kinda mentioned, when we do make switches of investments, like your super fund, just like you, does a tax return every year, they pay income tax and capital gains tax and things like that.","start":422.47498,"end":432.655,"sentiment":"neutral","sentiment_score":0.12139035481959581},{"text":"So when I looked at how to switch the investments and make the changes, the changes I'm recommending will result only in about a $127 as a CDT consequence for your super.","start":432.79498,"end":442.75,"sentiment":"neutral","sentiment_score":0.10113725974224508},{"text":"So it essentially means that your balance is $191,001.28 currently.","start":442.75,"end":447.88998,"sentiment":"neutral","sentiment_score":0.07340970449149609},{"text":"We only expect after the changes a 127 in CGT, which means your starting balance remains higher.","start":448.645,"end":454.905,"sentiment":"neutral","sentiment_score":0.06429467021542437}],"sentiment":"neutral","sentiment_score":0.10879246269663174,"num_words":105,"start":418.87,"end":454.905},{"sentences":[{"text":"With the new changes, and I'll take you through individually in a second, the new portfolio is also cheaper in investment fees.","start":455.285,"end":461.85,"sentiment":"neutral","sentiment_score":0.2870022783225233},{"text":"So you're currently paying 851 for the year in investment fees for the current portfolio.","start":462.01,"end":466.83002,"sentiment":"neutral","sentiment_score":0.061349173386891685},{"text":"The newer portfolio I'm recommending saves you about $284 in investment fees there.","start":467.53,"end":472.57,"sentiment":"positive","sentiment_score":0.5832717647919288},{"text":"So that outweighs the CGT cost of making the switch and makes the portfolio cheaper for you long term as well.","start":472.57,"end":479.385,"sentiment":"positive","sentiment_score":0.6779569458393824},{"text":"I also noted that because of the difference in balance, obviously, our ongoing adviser fee is reduced a little bit as well, expected to save you about $65 for the year.","start":479.845,"end":488.7,"sentiment":"positive","sentiment_score":0.46104076504707336}],"sentiment":"positive","sentiment_score":0.4249625514243163,"num_words":102,"start":455.285,"end":488.7},{"sentences":[{"text":"And then I have made a recommendation on insurances to factor in as well.","start":489.18002,"end":492.94,"sentiment":"neutral","sentiment_score":0.25404513840164455},{"text":"That does mean the insurance cost expected is to be a little bit higher.","start":492.94,"end":496.16,"sentiment":"neutral","sentiment_score":0.08329307367759091},{"text":"The other thing I sort of look at and factor in is how the portfolios have been performing.","start":496.54,"end":501.2,"sentiment":"neutral","sentiment_score":0.16995176217622227},{"text":"So you're currently in that high growth environment wanting to take a bit more risk in the market to get those greater potential returns.","start":501.42,"end":507.495,"sentiment":"neutral","sentiment_score":0.11068972200155258},{"text":"The newer portfolio has averaged about 9.77% on a yearly basis over the past five years, whereas the new portfolio has averaged about 11.33%.","start":507.955,"end":517.815,"sentiment":"neutral","sentiment_score":0.24621858851363262}],"sentiment":"neutral","sentiment_score":0.17391134192176322,"num_words":94,"start":489.18002,"end":517.815},{"sentences":[{"text":"So when we take into account switching the investments to CGT costs, the reduction investment fees, and how the the newer portfolio has performed in the past, we can see as per the projection table below that it's expected to put you in a greater position over the next five to ten years, which is really good and important.","start":517.83,"end":535.22504,"sentiment":"positive","sentiment_score":0.5637148575762571},{"text":"Okay?","start":535.60504,"end":536.10504,"sentiment":"neutral","sentiment_score":0.2852385640144348},{"text":"Do you have any questions so far?","start":537.84503,"end":539.625,"sentiment":"neutral","sentiment_score":0.04830223002604076},{"text":"No?","start":541.60504,"end":542.10504,"sentiment":"neutral","sentiment_score":-0.03305397927761078},{"text":"Beautiful.","start":542.245,"end":542.745,"sentiment":"positive","sentiment_score":0.34774458408355713}],"sentiment":"positive","sentiment_score":0.4956119040000266,"num_words":69,"start":517.83,"end":542.745},{"sentences":[{"text":"If you scroll further down there for me to page number 20, this is the switch of the investment.","start":543.42,"end":548.88,"sentiment":"neutral","sentiment_score":0.10553989304523718},{"text":"Yeah.","start":555.98,"end":556.3,"sentiment":"neutral","sentiment_score":0.08901844918727875},{"text":"You're right.","start":556.3,"end":556.755,"sentiment":"neutral","sentiment_score":0.2985793799161911},{"text":"Beautiful.","start":557.235,"end":557.735,"sentiment":"positive","sentiment_score":0.5627766847610474},{"text":"So on here, we've got the table noting all the different investments and how you are invested within your super fund currently.","start":558.03503,"end":563.875,"sentiment":"neutral","sentiment_score":0.1950472735545852}],"sentiment":"neutral","sentiment_score":0.16767226399646865,"num_words":45,"start":543.42,"end":563.875},{"sentences":[{"text":"So, essentially, in order to make the changes, we have all the investments noted here.","start":563.875,"end":568.115,"sentiment":"neutral","sentiment_score":0.1630423843860626},{"text":"The red and the green is what we're gonna be selling down and buying.","start":568.115,"end":571.175,"sentiment":"neutral","sentiment_score":0.1951443808419364},{"text":"And then the last two columns, your target waiting and target balance is where we see your balance once once the switch has been completed.","start":571.29,"end":577.70996,"sentiment":"neutral","sentiment_score":0.14063052222132683},{"text":"So, essentially, we are gonna sell off all the battery and lithium tax, remove the ban along Australian equities as it's been underperforming, remove the bank hybrids as they are being phased out down the track there as well, and the China new economy will be completely gone there as well.","start":578.08997,"end":592.205,"sentiment":"neutral","sentiment_score":-0.2503669218835877},{"text":"We are gonna keep the physical gold that has been performing well, but you're a bit overweighted there at the moment.","start":592.585,"end":597.705,"sentiment":"neutral","sentiment_score":-0.03235425019548053}],"sentiment":"neutral","sentiment_score":-0.037735969182990846,"num_words":126,"start":563.875,"end":597.705},{"sentences":[{"text":"So we just wanna sell some of the gains and submit those and then have that redistributed the compounding into your portfolio.","start":597.705,"end":604.7,"sentiment":"neutral","sentiment_score":0.17197923802516676},{"text":"We've also got the cybersecurity there.","start":605.16,"end":607.48,"sentiment":"neutral","sentiment_score":-0.013534008835752806},{"text":"So you're a bit overweighted at the moment.","start":607.48,"end":609.24,"sentiment":"neutral","sentiment_score":-0.17358102835714817},{"text":"We're gonna sell a little bit of that off to bring you back to 7%.","start":609.24,"end":612.52,"sentiment":"neutral","sentiment_score":0.012749825417995454},{"text":"It's a bit of a rebalance there as well.","start":612.52,"end":614.62,"sentiment":"neutral","sentiment_score":-0.10988128433624904}],"sentiment":"neutral","sentiment_score":0.025266779648760954,"num_words":60,"start":597.705,"end":614.62},{"sentences":[{"text":"The S and P 500, you've got about 34.10%, so we only really wanna hold about 25% in the portfolio.","start":615.285,"end":623.145,"sentiment":"neutral","sentiment_score":0.0407427916303277},{"text":"So we're gonna sell some of that off and just rebalance you back to 25%.","start":623.52496,"end":627.865,"sentiment":"neutral","sentiment_score":0.0933539777994156},{"text":"The Van Ness property property has been a little bit of a dip, especially since the changes have come into play where it's been underperforming in your portfolio as well.","start":628.64,"end":636.72003,"sentiment":"negative","sentiment_score":-0.3785535991191864},{"text":"So we're removing that completely.","start":636.72003,"end":638.66003,"sentiment":"neutral","sentiment_score":-0.3285845786333084},{"text":"We've also got the a beta shares Raffy two hundred.","start":639.84,"end":642.96,"sentiment":"neutral","sentiment_score":-0.009557043388485908}],"sentiment":"neutral","sentiment_score":-0.13599919751286507,"num_words":80,"start":615.285,"end":642.96},{"sentences":[{"text":"We found a much cheaper way to hold Australian equities, so we are removing this from the portfolio completely as well.","start":642.96,"end":649.355,"sentiment":"neutral","sentiment_score":-0.03062205868107932},{"text":"What we're gonna be adding into sorry.","start":649.815,"end":652.375,"sentiment":"neutral","sentiment_score":-0.13765603516783034},{"text":"The Raffy.","start":652.375,"end":653.355,"sentiment":"neutral","sentiment_score":-0.12629343196749687},{"text":"My apologies.","start":653.415,"end":653.895,"sentiment":"neutral","sentiment_score":-0.1942424327135086},{"text":"I'm looking at the wrong line.","start":653.895,"end":654.775,"sentiment":"neutral","sentiment_score":-0.19423730174700418}],"sentiment":"neutral","sentiment_score":-0.08981976364003985,"num_words":38,"start":642.96,"end":654.775},{"sentences":[{"text":"We're gonna get a whole 50%.","start":654.775,"end":656.455,"sentiment":"neutral","sentiment_score":-0.1157090850174427},{"text":"We're keeping some of that in there.","start":656.455,"end":658.055,"sentiment":"neutral","sentiment_score":-0.066095163247415},{"text":"Sorry, Bianca.","start":658.055,"end":658.955,"sentiment":"neutral","sentiment_score":-0.0435759536921978},{"text":"I'm looking at the wrong line.","start":659.15,"end":660.51,"sentiment":"neutral","sentiment_score":-0.05481342443575462},{"text":"We're gonna keep some of the raffy in there for you.","start":660.51,"end":663.49,"sentiment":"neutral","sentiment_score":0.06366981345821511}],"sentiment":"neutral","sentiment_score":-0.027268286212347448,"num_words":32,"start":654.775,"end":663.49},{"sentences":[{"text":"We are kinda gonna get rid of just sell it off to rebalance a little bit back there for you, but we do wanna hold Australian equities, and we found a much cheaper way to hold more Australian equities.","start":663.79,"end":674.705,"sentiment":"neutral","sentiment_score":0.10700058048734298},{"text":"We're going to add in there the India Quality ETF.","start":675.725,"end":678.205,"sentiment":"neutral","sentiment_score":0.12186660021543502},{"text":"We wanna hold about 7% weighting in there.","start":678.205,"end":680.605,"sentiment":"neutral","sentiment_score":0.17876463942229748},{"text":"India is a rally a really good place to see growth.","start":680.605,"end":683.585,"sentiment":"positive","sentiment_score":0.7549749233505942},{"text":"And then we've also seen the got the Global X Healthcare.","start":684.125,"end":687.41,"sentiment":"neutral","sentiment_score":0.17640826309269125}],"sentiment":"neutral","sentiment_score":0.21603823806854744,"num_words":79,"start":663.79,"end":687.41},{"sentences":[{"text":"This is Global Healthcare, so giving you exposure to health care across the globe, essentially.","start":687.63,"end":691.88995,"sentiment":"neutral","sentiment_score":0.15064887056748072},{"text":"And then as I mentioned before, we're getting rid of the ban along Australian equities and rebalancing the Raffy back a little bit, but we're also gonna hold the a 200.","start":692.43,"end":699.88995,"sentiment":"neutral","sentiment_score":0.05689384499865194},{"text":"So between the Australia 200 and the Raffy 200, we're giving you exposure to about a bit over 25% in Australian equities there.","start":699.95,"end":709.055,"sentiment":"neutral","sentiment_score":0.10426946324498756},{"text":"So you do wanna hold as much as we can, but it's making sure that you've got a good weighting, and it's actually increasing your diversification into Australian equities as well whilst reducing the cost of the portfolio.","start":709.055,"end":720.52,"sentiment":"positive","sentiment_score":0.3718224163902433},{"text":"So we'll buy into the a 200 there, and you'll hold about 10% of that and then 15% of the a 200 portfolio.","start":720.74005,"end":727.96,"sentiment":"neutral","sentiment_score":0.16477791932613953}],"sentiment":"neutral","sentiment_score":0.18723679904181223,"num_words":130,"start":687.63,"end":727.96},{"sentences":[{"text":"Because you are realistically younger and can can sustain a little bit of more risk in the portfolio, I've also included the JPMorgan Global Research Enhanced Equity Fund.","start":729.755,"end":741.775,"sentiment":"neutral","sentiment_score":0.1057493392644184},{"text":"This here is more of an actively managed fund, so it utilizes JPMorgan's research team to look for areas of growth.","start":741.835,"end":749.95,"sentiment":"neutral","sentiment_score":0.2133263796567917},{"text":"It is a cheap fund to have, but it does give you a little bit of active management in there as well.","start":750.57,"end":755.05005,"sentiment":"neutral","sentiment_score":0.30463257973844354},{"text":"And it's global, so it's well diversified, and it's not an expensive fund to hold as well.","start":755.05005,"end":760.165,"sentiment":"neutral","sentiment_score":0.14592044822433414},{"text":"So we do wanna hold about 15% of that in your portfolio.","start":760.165,"end":763.385,"sentiment":"neutral","sentiment_score":0.11101442202925682}],"sentiment":"neutral","sentiment_score":0.17955572910606862,"num_words":100,"start":729.755,"end":763.385},{"sentences":[{"text":"We'll keep to monitor that moving forward.","start":763.76495,"end":765.605,"sentiment":"neutral","sentiment_score":0.10369691572019032},{"text":"And if we find it's not performing the way we hoped it would, we'll look to swap it out.","start":765.605,"end":769.76495,"sentiment":"neutral","sentiment_score":-0.1257967025433716},{"text":"But this year, it has done really, really well, and JPMorgan's research team is one of the biggest in the globe.","start":769.76495,"end":775.59,"sentiment":"positive","sentiment_score":0.5215982837336404},{"text":"So it is well worth having a little bit of exposure into that for you.","start":775.59,"end":779.69,"sentiment":"positive","sentiment_score":0.49998926122983295},{"text":"And then we've also got the core composite bonds there.","start":780.15,"end":783.03,"sentiment":"neutral","sentiment_score":0.12791018672287463}],"sentiment":"neutral","sentiment_score":0.25094785841388834,"num_words":72,"start":763.76495,"end":783.03},{"sentences":[{"text":"So we are removing the bank hybrids out of the portfolio.","start":783.03,"end":786.17,"sentiment":"neutral","sentiment_score":-0.05977895720438524},{"text":"We still wanna hold some defensive assets.","start":786.39,"end":788.81,"sentiment":"neutral","sentiment_score":0.030433398804494312},{"text":"When you're in that high growth environment, we still wanna hold around about 10%.","start":789.08496,"end":793.745,"sentiment":"neutral","sentiment_score":0.050046615834747045},{"text":"We do hold roughly 10%, but we have a variance of about 5% in our portfolio.","start":794.365,"end":799.985,"sentiment":"neutral","sentiment_score":0.029443155508488417},{"text":"So we're only gonna only gonna hold 7% of this investment, making sure that we're still having defensive assets, but making sure that you do, you know, have a good quality of growth assets within your portfolio as well to obtain greater growth.","start":800.125,"end":814.57,"sentiment":"neutral","sentiment_score":0.20613051751671835}],"sentiment":"neutral","sentiment_score":0.10539363324642181,"num_words":91,"start":783.03,"end":814.57},{"sentences":[{"text":"This is in a high growth environment, so we'll keep monitoring it to make sure that it is working harder for you.","start":815.20496,"end":820.505,"sentiment":"neutral","sentiment_score":-0.010910596867853945},{"text":"If at any point any of these starts to underperform, we'll look to move them out nice and quick.","start":820.805,"end":825.305,"sentiment":"neutral","sentiment_score":-0.11198222107793156},{"text":"But, essentially, once that switch has been made, you'll essentially see some physical gold, the cybersecurity.","start":825.76495,"end":831.53,"sentiment":"neutral","sentiment_score":0.12749905162490904},{"text":"You'll have access to the S and P 500 and Australian equities.","start":831.83,"end":836.25,"sentiment":"neutral","sentiment_score":0.13862400501966476},{"text":"We'll see some India exposures in health care and that JPMorgan Global retouched enhanced Equity Fund in there and then some defensive assets like bonds in there as well.","start":836.39,"end":845.715,"sentiment":"neutral","sentiment_score":0.103084913743981}],"sentiment":"neutral","sentiment_score":0.04413510258404576,"num_words":98,"start":815.20496,"end":845.715},{"sentences":[{"text":"So that's essentially the changes that we do wanna make to the portfolio.","start":845.715,"end":849.335,"sentiment":"neutral","sentiment_score":0.10369258259351437},{"text":"Do you have any questions about that?","start":850.355,"end":852.375,"sentiment":"neutral","sentiment_score":0.01828404888510704},{"text":"No.","start":855.795,"end":856.14,"sentiment":"neutral","sentiment_score":-0.2831416130065918},{"text":"Beautiful.","start":857.74,"end":858.24,"sentiment":"positive","sentiment_score":0.4656108021736145},{"text":"Excellent.","start":858.38,"end":858.88,"sentiment":"positive","sentiment_score":0.489986389875412}],"sentiment":"neutral","sentiment_score":0.09341076065016829,"num_words":23,"start":845.715,"end":858.88},{"sentences":[{"text":"The next page, it does have your cash account there.","start":859.9,"end":862.06,"sentiment":"neutral","sentiment_score":0.0949899185448885},{"text":"So at the moment, within Hub twenty four, we only really need to hold about 1.25% cash.","start":862.06,"end":867.44,"sentiment":"neutral","sentiment_score":0.01759384446503485},{"text":"That's their minimum cash holding.","start":867.74,"end":869.36,"sentiment":"neutral","sentiment_score":-0.018547289445996283},{"text":"We you currently have about 1.80%.","start":869.58,"end":872.355,"sentiment":"neutral","sentiment_score":0.018869657069444656},{"text":"So we are gonna take about a thousand of that and reinvest it.","start":872.355,"end":876.21497,"sentiment":"neutral","sentiment_score":0.05239914837651528}],"sentiment":"neutral","sentiment_score":0.03824833265560515,"num_words":51,"start":859.9,"end":876.21497},{"sentences":[{"text":"Realistically, it costs you money to have money sitting in cash.","start":876.675,"end":879.395,"sentiment":"neutral","sentiment_score":-0.0029903768815777512},{"text":"So we we just wanna make sure as much of your portfolio is invested as absolutely possible and just hold the minimum cash balance there for you.","start":879.395,"end":887.58997,"sentiment":"neutral","sentiment_score":0.13054009113046858},{"text":"That is essentially how we'll see the waiting.","start":888.20996,"end":891.02997,"sentiment":"neutral","sentiment_score":0.07839366467669606},{"text":"If you look at the next page down, it essentially shows you the proposed versus the current asset allocation.","start":891.49,"end":898.39,"sentiment":"neutral","sentiment_score":0.050668940634319655},{"text":"So generally speaking, as I mentioned, in that high growth environment, you have that ninety ten split.","start":899.175,"end":904.395,"sentiment":"neutral","sentiment_score":0.05320760529652676}],"sentiment":"neutral","sentiment_score":0.0730009365162426,"num_words":82,"start":876.675,"end":904.395},{"sentences":[{"text":"With what we've proposed with the investments, you're gonna see about 93 in growth assets, so Australian and international equities property and alternative growth assets like gold, and then just about 7% in those fixed interest low risk investments like bonds.","start":904.455,"end":919.85,"sentiment":"neutral","sentiment_score":0.06318796635037516},{"text":"So that's essentially how we'll see that split changing.","start":919.99,"end":923.05,"sentiment":"neutral","sentiment_score":0.09183155414130953},{"text":"It is increasing your growth exposure from where you currently are.","start":923.67,"end":926.94995,"sentiment":"neutral","sentiment_score":0.06570738046006723},{"text":"You're a little bit under that 92.60, and you have about 7.40% in defensive assets at the moment.","start":926.94995,"end":933.525,"sentiment":"neutral","sentiment_score":0.02420113194319937},{"text":"So it is increasing that exposure into growth assets a little bit and decreasing your defensive exposure, but we'll keep monitoring that.","start":933.525,"end":941.54504,"sentiment":"neutral","sentiment_score":0.03629593923687935}],"sentiment":"neutral","sentiment_score":0.05320893891967169,"num_words":101,"start":904.455,"end":941.54504},{"sentences":[{"text":"If you do find at any point that you're a bit unsure about being in that high growth portfolio or you are a bit concerned about the markets, please let me know.","start":942.02997,"end":950.11,"sentiment":"neutral","sentiment_score":-0.06483627401757985},{"text":"More than happy to talk you short and or reassess your risk profile at any point in time.","start":950.11,"end":954.93,"sentiment":"neutral","sentiment_score":0.14490831188029712},{"text":"One of the biggest things is it's fine to be in a high growth environment at your agent stage, but it's also gotta be to your comfort level as well.","start":955.645,"end":962.685,"sentiment":"neutral","sentiment_score":0.18430379430452984},{"text":"And we can always you know, if we start to reduce the risk, look at maybe increasing contributions down the track to kinda mitigate the the risk reduction as well.","start":962.685,"end":971.13,"sentiment":"neutral","sentiment_score":0.2254921888311704},{"text":"Okay?","start":971.19,"end":971.69,"sentiment":"neutral","sentiment_score":0.1449001580476761}],"sentiment":"neutral","sentiment_score":0.11686818466127456,"num_words":111,"start":942.02997,"end":971.69},{"sentences":[{"text":"Excellent.","start":973.35004,"end":973.83,"sentiment":"positive","sentiment_score":0.41540759801864624},{"text":"Do you have any questions so far at all?","start":973.83,"end":975.93,"sentiment":"neutral","sentiment_score":0.13070673081609938},{"text":"No?","start":978.23004,"end":978.73004,"sentiment":"neutral","sentiment_score":-0.13661304116249084},{"text":"Easy.","start":979.43,"end":979.93,"sentiment":"neutral","sentiment_score":0.021660052239894867},{"text":"If you move down to page number 23, the next thing that we were looking at was the insurance side of things for you.","start":980.79004,"end":984.3367,"sentiment":"neutral","sentiment_score":0.02374146374252935}],"sentiment":"neutral","sentiment_score":0.056850286562823586,"num_words":36,"start":973.35004,"end":984.3367},{"sentences":[{"text":"So as I kinda went through the insurance side of things for you.","start":984.3367,"end":986.945,"sentiment":"neutral","sentiment_score":0.04122268637785545},{"text":"So as I kinda went through the projection table above, we also talked about last time looking at adding some income protection.","start":987.325,"end":994.065,"sentiment":"neutral","sentiment_score":0.04643977568908171},{"text":"Initial the initial recommendation was we were gonna start by increasing your life and TPD, but we started this call to sort of hold back on the life and TPD, keep it at the same level that you do have.","start":995.085,"end":1004.86,"sentiment":"neutral","sentiment_score":0.04130594814196229},{"text":"With your life and total permanent disability, you currently have a sum insured of 863,258.","start":1005.32,"end":1013.02,"sentiment":"neutral","sentiment_score":0.048176487038532896},{"text":"You mentioned that you were comfortable with me just adding that income protection to show you what that would look like, and then you get to go back and decide whether you want the income protection or not.","start":1013.71497,"end":1022.935,"sentiment":"neutral","sentiment_score":0.09813941701462395}],"sentiment":"neutral","sentiment_score":0.059857445827219635,"num_words":128,"start":984.3367,"end":1022.935},{"sentences":[{"text":"Based on your current income at a 165,000, It means we would be adding income protection to give you a monthly benefit of 9,625.","start":1023.875,"end":1034.64,"sentiment":"neutral","sentiment_score":0.14414670752982298},{"text":"We're looking at a thirty day waiting period, so you don't have to be off work for as long in order to claim on the policy.","start":1034.86,"end":1040.64,"sentiment":"neutral","sentiment_score":0.12298534996807575},{"text":"But last time we called up, you were happy just a two year benefit knowing what you do for work and mostly administration.","start":1041.135,"end":1046.435,"sentiment":"positive","sentiment_score":0.46347665657167847},{"text":"You did kinda feel that was fairly appropriate.","start":1047.215,"end":1049.555,"sentiment":"positive","sentiment_score":0.4515349343419075},{"text":"Do you still feel like that benefit period's fairly appropriate?","start":1049.615,"end":1052.675,"sentiment":"neutral","sentiment_score":0.2852991819381714}],"sentiment":"neutral","sentiment_score":0.2613447744522121,"num_words":91,"start":1023.875,"end":1052.675},{"sentences":[{"text":"Has anything changed in your mind with regard to that?","start":1052.735,"end":1055.51,"sentiment":"neutral","sentiment_score":-0.007246792688965798},{"text":"That's, yeah, that's how long you can be on an income protection claim for.","start":1059.65,"end":1063.89,"sentiment":"neutral","sentiment_score":0.028218175484133617},{"text":"Realistically, under sort of the way it works, most claims are dealt with within that two year period.","start":1063.89,"end":1069.495,"sentiment":"neutral","sentiment_score":0.012432747727466954},{"text":"As you can imagine, insurers don't really wanna be paying claims for a long period of time.","start":1069.495,"end":1073.575,"sentiment":"neutral","sentiment_score":-0.0597184413277051},{"text":"So when and if you are off work, they're gonna be trying to find ways for you to get back to work.","start":1073.575,"end":1078.395,"sentiment":"neutral","sentiment_score":-0.006670063615522601}],"sentiment":"neutral","sentiment_score":-0.007599739668269952,"num_words":81,"start":1052.735,"end":1078.395},{"sentences":[{"text":"You can also have a five year benefit period.","start":1078.775,"end":1081.255,"sentiment":"neutral","sentiment_score":0.15739834805329642},{"text":"It does increase the cost of the cover, and you can have an age 65 benefit period as well.","start":1081.255,"end":1086.57,"sentiment":"neutral","sentiment_score":0.2244735548370763},{"text":"So if you did wanna look at those additional quotes, I'm happy to generate them for you.","start":1086.57,"end":1090.33,"sentiment":"positive","sentiment_score":0.3786761217257556},{"text":"It's not a problem.","start":1090.33,"end":1091.3099,"sentiment":"neutral","sentiment_score":0.31716209650039673},{"text":"It's just that when we spoke last time, you were okay with a two year benefit period to try and keep the cost lower.","start":1091.69,"end":1097.0549,"sentiment":"neutral","sentiment_score":0.2983722860614459}],"sentiment":"neutral","sentiment_score":0.28148849308490753,"num_words":73,"start":1078.775,"end":1097.0549},{"sentences":[{"text":"We also talked about the risk of something happened being an admin worth out, same as me.","start":1097.0549,"end":1101.695,"sentiment":"neutral","sentiment_score":0.013841019833789152},{"text":"We can realistically work from home as well.","start":1101.695,"end":1104.0149,"sentiment":"neutral","sentiment_score":0.09747943934053183},{"text":"So the risk of, you know, something happening to us would have to be pretty drastic to be able to make that claim there.","start":1104.0149,"end":1109.855,"sentiment":"neutral","sentiment_score":-0.06038205651566386},{"text":"But has anything changed with regard to that?","start":1109.855,"end":1112.5,"sentiment":"neutral","sentiment_score":-0.06960970442742109},{"text":"Do you sort of feel that that's fairly still appropriate?","start":1112.5,"end":1114.76,"sentiment":"neutral","sentiment_score":-0.07182036451995373}],"sentiment":"neutral","sentiment_score":-0.025509220673077142,"num_words":67,"start":1097.0549,"end":1114.76},{"sentences":[{"text":"Or that's just yeah.","start":1114.8201,"end":1120.3601,"sentiment":"neutral","sentiment_score":-0.024529033340513706},{"text":"That that's okay.","start":1120.5801,"end":1121.8,"sentiment":"neutral","sentiment_score":0.1850635434190432},{"text":"All good.","start":1121.8601,"end":1122.6001,"sentiment":"positive","sentiment_score":0.4011331796646118},{"text":"At the moment, the total premium paid out of Super four year policy, you paid $431.83 for the year by adding the income protection.","start":1123.245,"end":1132.765,"sentiment":"neutral","sentiment_score":0.10279670228128848},{"text":"And we're adding it with MetLife because we're attaching it to your current life and TPD policy, which means that we do get a discount.","start":1132.765,"end":1139.67,"sentiment":"neutral","sentiment_score":0.26994190096855164}],"sentiment":"neutral","sentiment_score":0.1819686409282057,"num_words":58,"start":1114.8201,"end":1139.67},{"sentences":[{"text":"We get a multi policy discount for linking them.","start":1139.67,"end":1142.33,"sentiment":"neutral","sentiment_score":0.3314719531271193},{"text":"And it essentially means that it would increase your total premium to $1,467.24.","start":1142.55,"end":1149.69,"sentiment":"neutral","sentiment_score":0.20093009907465714},{"text":"That is the amount that's taken out of super for that for the year.","start":1149.83,"end":1153.21,"sentiment":"neutral","sentiment_score":0.1720079013279506},{"text":"You the insurer actually receives the $1,726.17.","start":1153.695,"end":1159.235,"sentiment":"neutral","sentiment_score":0.16269843067441667},{"text":"But because of the way taxation is in super, you get a rebate or a bit of a discount for the premium when it is taken out of the super system.","start":1159.455,"end":1166.895,"sentiment":"neutral","sentiment_score":0.23627554697375144}],"sentiment":"neutral","sentiment_score":0.22252541156233968,"num_words":74,"start":1139.67,"end":1166.895},{"sentences":[{"text":"So you actually pay a little bit less to that, 15% less for the premium than what the insurer receives, which is great.","start":1166.895,"end":1174.13,"sentiment":"positive","sentiment_score":0.3851601377777431},{"text":"It would be great if we got those kinds of discounts all the time.","start":1174.13,"end":1176.53,"sentiment":"positive","sentiment_score":0.3370928338595799},{"text":"Unfortunately, it's just the super.","start":1176.53,"end":1178.15,"sentiment":"negative","sentiment_score":-0.44071624875068666},{"text":"So that's just, Yeah.","start":1180.21,"end":1181.595,"sentiment":"neutral","sentiment_score":-0.0061505259945988655},{"text":"Sure.","start":1181.595,"end":1182.095,"sentiment":"neutral","sentiment_score":0.036924488842487335}],"sentiment":"neutral","sentiment_score":0.24227072306452913,"num_words":47,"start":1166.895,"end":1182.095},{"sentences":[{"text":"Mhmm.","start":1192.235,"end":1192.5549,"sentiment":"neutral","sentiment_score":-0.021753856912255287},{"text":"A lice NTBD.","start":1192.5549,"end":1193.535,"sentiment":"neutral","sentiment_score":-0.022480648010969162},{"text":"Yeah.","start":1195.115,"end":1195.41,"sentiment":"neutral","sentiment_score":0.007332352921366692},{"text":"Yeah.","start":1195.9701,"end":1196.4701,"sentiment":"neutral","sentiment_score":0.008472712710499763},{"text":"That's how, yeah, that's how much the insurer has received.","start":1199.0901,"end":1202.31,"sentiment":"neutral","sentiment_score":0.03628686834126711}],"sentiment":"neutral","sentiment_score":0.018092371756210923,"num_words":16,"start":1192.235,"end":1202.31},{"sentences":[{"text":"The amount that's come out of super is the $4.31.","start":1202.6901,"end":1205.41,"sentiment":"neutral","sentiment_score":0.07634085975587368},{"text":"You get a 15 percent discount on that.","start":1205.41,"end":1207.3301,"sentiment":"neutral","sentiment_score":0.12969607952982187},{"text":"So you pay a little bit less for the premium.","start":1207.3301,"end":1209.43,"sentiment":"neutral","sentiment_score":0.11874800845980645},{"text":"And then if you yep.","start":1209.885,"end":1212.625,"sentiment":"neutral","sentiment_score":0.017695427872240543},{"text":"Yep.","start":1215.965,"end":1216.465,"sentiment":"neutral","sentiment_score":0.009227286092936993}],"sentiment":"neutral","sentiment_score":0.09076946305439752,"num_words":34,"start":1202.6901,"end":1216.465},{"sentences":[{"text":"Yep.","start":1217.165,"end":1217.665,"sentiment":"neutral","sentiment_score":0.010273125022649763},{"text":"Yep.","start":1220.515,"end":1220.765,"sentiment":"neutral","sentiment_score":0.01036409754306078},{"text":"Yep.","start":1220.765,"end":1221.265,"sentiment":"neutral","sentiment_score":0.012101709842681885},{"text":"Correct.","start":1225.085,"end":1225.53,"sentiment":"neutral","sentiment_score":0.0263440553098917},{"text":"Yep.","start":1226.17,"end":1226.67,"sentiment":"neutral","sentiment_score":0.03107387386262417}],"sentiment":"neutral","sentiment_score":0.01803137231618166,"num_words":5,"start":1217.165,"end":1226.67},{"sentences":[{"text":"Yep.","start":1226.89,"end":1227.39,"sentiment":"neutral","sentiment_score":0.05136808007955551},{"text":"Yep.","start":1227.4501,"end":1227.9501,"sentiment":"neutral","sentiment_score":0.05547397583723068},{"text":"Yeah.","start":1231.6901,"end":1232.1901,"sentiment":"neutral","sentiment_score":0.05280166119337082},{"text":"Yeah.","start":1236.73,"end":1237.23,"sentiment":"neutral","sentiment_score":0.03260307013988495},{"text":"Yeah.","start":1237.85,"end":1238.35,"sentiment":"neutral","sentiment_score":0.02082917653024197}],"sentiment":"neutral","sentiment_score":0.04261519275605678,"num_words":5,"start":1226.89,"end":1238.35},{"sentences":[{"text":"Absolutely.","start":1240.245,"end":1240.725,"sentiment":"neutral","sentiment_score":-0.048144079744815826},{"text":"In the appendices that we have attached, as I mentioned last time, I also added the alternative projection to show, obviously, the projected outcome if you decide not to take the income protection side of things, because one of the things we talked about was whether you felt like you needed income protection at the time.","start":1240.725,"end":1255.545,"sentiment":"neutral","sentiment_score":-0.07861777050753258},{"text":"With the with the ten year projection, obviously, it shows in the SOA there on page 18 that over the next ten years, given the current projection table, you could end up with $3.71 in five years' time or 623,000 in ten years' time.","start":1256.07,"end":1271.635,"sentiment":"neutral","sentiment_score":0.0716695435853167},{"text":"With not taking the income protection, if you decide you don't need that anymore, then, obviously, the projection is increased by a difference of about 14,398.","start":1271.855,"end":1282.175,"sentiment":"neutral","sentiment_score":-0.10161552019417286},{"text":"So over the course of ten years, we're still moving into the newer portfolio and making the other changes but not taking income protection.","start":1282.175,"end":1289.47,"sentiment":"neutral","sentiment_score":0.005266470834612846}],"sentiment":"neutral","sentiment_score":-0.025250910830665503,"num_words":151,"start":1240.245,"end":1289.47},{"sentences":[{"text":"The ten year premium projection means you could end up with about 637,000.","start":1289.85,"end":1294.59,"sentiment":"neutral","sentiment_score":0.1222029385658411},{"text":"So it's a little over $14,000 difference in the ten year projected outcome, but it also comes down to your comfort level as well.","start":1294.65,"end":1302.495,"sentiment":"neutral","sentiment_score":0.10317508534838755},{"text":"So you're welcome to run your eyes over that.","start":1302.495,"end":1304.735,"sentiment":"positive","sentiment_score":0.4095717834101783},{"text":"Have a think about what your goals are and what your level what your comfort level is.","start":1304.735,"end":1309.155,"sentiment":"positive","sentiment_score":0.3460441985551049},{"text":"And if you decide you don't want the income protection, that's absolutely fine.","start":1309.535,"end":1313.6699,"sentiment":"neutral","sentiment_score":0.04008658688801985}],"sentiment":"neutral","sentiment_score":0.18624820138670897,"num_words":76,"start":1289.85,"end":1313.6699},{"sentences":[{"text":"On the very last page, we've got that little multiline text box for you.","start":1313.6699,"end":1318.3099,"sentiment":"neutral","sentiment_score":0.008083738486415573},{"text":"You can just make a note in there that outlines what you are not wanting to take on board as part of the recommendations.","start":1318.3099,"end":1323.85,"sentiment":"neutral","sentiment_score":-0.06671389813224475},{"text":"Okay?","start":1324.47,"end":1324.97,"sentiment":"neutral","sentiment_score":0.05351262167096138},{"text":"Excellent.","start":1327.19,"end":1327.69,"sentiment":"positive","sentiment_score":0.5595975518226624},{"text":"Essentially, keeping it with MetLife is appropriate because, obviously, you get a bit of a discount when you link all the policies together.","start":1329.195,"end":1336.415,"sentiment":"neutral","sentiment_score":0.3188560099705406}],"sentiment":"neutral","sentiment_score":0.1025212251817778,"num_words":63,"start":1313.6699,"end":1336.415},{"sentences":[{"text":"MetLife also has some additional other benefits there, so I'm not really sure if you're aware.","start":1336.715,"end":1341.115,"sentiment":"neutral","sentiment_score":0.1951747634448111},{"text":"But as you still you do have life and TBD with MetLife.","start":1341.115,"end":1344.6,"sentiment":"neutral","sentiment_score":0.27103763073682785},{"text":"You do have access to the MetLife three sixty health.","start":1345.06,"end":1348.2001,"sentiment":"positive","sentiment_score":0.37244165539741514},{"text":"That's at no additional cost to yourself, and it provides virtual access to a range of health and well-being services to you and your family members.","start":1348.26,"end":1355.24,"sentiment":"positive","sentiment_score":0.46050459117843556},{"text":"These include things like mental health support, expert medical opinions, nutrition, fitness, and mobility, and recovery.","start":1355.785,"end":1361.805,"sentiment":"neutral","sentiment_score":0.18520448077470064}],"sentiment":"neutral","sentiment_score":0.31295069251209495,"num_words":80,"start":1336.715,"end":1361.805},{"sentences":[{"text":"If you have a look in the PDF that I have attached there for you, it outlines a bit more about the MetLife three sixty health platform and what that can help you with.","start":1362.505,"end":1371.21,"sentiment":"neutral","sentiment_score":0.319489346269299},{"text":"And because you've got that life and TPD with MetLife, even if you don't take the income protection side of things, you still got access to that benefit.","start":1371.69,"end":1378.99,"sentiment":"positive","sentiment_score":0.4074779488146305},{"text":"So have a look in the PDF there as to what kind of benefits that they offer.","start":1379.13,"end":1383.23,"sentiment":"neutral","sentiment_score":0.3106207347968045},{"text":"You might be able to get some, you know, free nutritional fitness mobility, you know, clinical support from doctors and things like that as well.","start":1383.525,"end":1391.785,"sentiment":"positive","sentiment_score":0.38232157468795774},{"text":"Okay?","start":1391.8451,"end":1392.3451,"sentiment":"neutral","sentiment_score":0.2528095543384552}],"sentiment":"positive","sentiment_score":0.355842111933799,"num_words":105,"start":1362.505,"end":1392.3451},{"sentences":[{"text":"Yeah.","start":1395.365,"end":1395.765,"sentiment":"positive","sentiment_score":0.4531831443309784},{"text":"Excellent.","start":1395.765,"end":1396.265,"sentiment":"positive","sentiment_score":0.6531810164451599},{"text":"If you scroll down a little bit further for me just to, sorry, page number 30, this is essentially going through the next part of the recommendations with the insurances.","start":1397.045,"end":1409.04,"sentiment":"neutral","sentiment_score":0.05897577096863339},{"text":"So the other side of it was looking at trauma for yourself and then child trauma for the two kids, looking at around about a 120,000 of trauma for yourself paid out of pocket, and then making sure that the kids had a 100,000 of child trauma age as well to make sure that they were covered.","start":1409.42,"end":1427.045,"sentiment":"neutral","sentiment_score":-0.050417183391880574},{"text":"I did review the last recommendation with the newer policies.","start":1427.6699,"end":1432.1699,"sentiment":"neutral","sentiment_score":-0.018753070197999478}],"sentiment":"neutral","sentiment_score":-0.0018754834897176484,"num_words":99,"start":1395.365,"end":1432.1699},{"sentences":[{"text":"I'm still recommending Clearview for that solely because Clearview is still a really good policy provider.","start":1432.5499,"end":1438.8899,"sentiment":"neutral","sentiment_score":0.17512209806591272},{"text":"MetLife don't offer child trauma policies.","start":1439.0299,"end":1441.35,"sentiment":"neutral","sentiment_score":-0.24318363517522812},{"text":"They have, like, an optional extras policy, but it's not child trauma as such.","start":1441.35,"end":1446.075,"sentiment":"neutral","sentiment_score":-0.14013435691595078},{"text":"So we did have to look elsewhere to make sure that you could have those set policies.","start":1446.075,"end":1449.855,"sentiment":"neutral","sentiment_score":-0.1599927281632143},{"text":"For Oliver and Parker, we're looking at the same as last time.","start":1450.635,"end":1455.87,"sentiment":"neutral","sentiment_score":0.017289730060535174}],"sentiment":"neutral","sentiment_score":-0.048175828567204565,"num_words":65,"start":1432.5499,"end":1455.87},{"sentences":[{"text":"I am also recommending that we add a little bit of life cover to the trauma policy.","start":1455.87,"end":1459.65,"sentiment":"neutral","sentiment_score":0.1320171141449143},{"text":"Essentially, it does work out a lot cheaper to link the policies together.","start":1459.79,"end":1463.31,"sentiment":"neutral","sentiment_score":0.3301584697686709},{"text":"You get that multi policy discount side of things.","start":1463.31,"end":1466.13,"sentiment":"neutral","sentiment_score":0.2992661926481459},{"text":"So by linking the trauma and the the life together, it essentially shows the monthly premium expected is $28.71 there.","start":1467.0701,"end":1476.765,"sentiment":"neutral","sentiment_score":0.17767400816082954},{"text":"If we just looked at the trauma policy and the child trauma on its own without the additional sorry.","start":1476.985,"end":1486.64,"sentiment":"neutral","sentiment_score":0.04939520182578187}],"sentiment":"neutral","sentiment_score":0.17591968947687212,"num_words":78,"start":1455.87,"end":1486.64},{"sentences":[{"text":"I'm just gonna add these two together because it's $17.26 and $28.71 to include all the policies.","start":1486.64,"end":1494.88,"sentiment":"neutral","sentiment_score":0.08281475299736485},{"text":"So for the child trauma policies and the life and trauma for yourself, the two policies added together, it's $45.97.","start":1494.88,"end":1502.475,"sentiment":"neutral","sentiment_score":0.05149156199768186},{"text":"If we did not link the life policy to that, the out of pocket premium for your adult cover plus the child trauma policies was about $54.43.","start":1502.475,"end":1511.835,"sentiment":"neutral","sentiment_score":0.0684355146906994},{"text":"So it worked out cheaper to link a little bit of life cover to it.","start":1511.835,"end":1515.73,"sentiment":"neutral","sentiment_score":0.2126366004347801},{"text":"But then, also, one of the benefits to having that life cover outside of SUFA is you do get that funeral benefit as well.","start":1516.11,"end":1522.51,"sentiment":"neutral","sentiment_score":0.22261679203559956}],"sentiment":"neutral","sentiment_score":0.12485272745035735,"num_words":103,"start":1486.64,"end":1522.51},{"sentences":[{"text":"So if in the event that you were to pass away with just having that life cover held inside super, there's no upfront kind of immediate expenses for funeral costs that can be paid out.","start":1522.51,"end":1533.885,"sentiment":"neutral","sentiment_score":0.11770780554839542},{"text":"Your family has to go through the claims process to have the money released, Whereas having this little bit of insurance or life cover outside of super means that once the the death certificate is provided, your family or your executor of your will can go and claim, or the beneficiary, you know, whoever you sort of nominated can go and claim that 25,000 from Clearview as an upfront cost to cover your to your funeral, sorry, and any immediate expenses that are sort of brought up as due to the your passing or related to the kids around those sorts of areas.","start":1533.885,"end":1565.155,"sentiment":"neutral","sentiment_score":0.0923018553429871},{"text":"So it does provide you with that benefit that you don't get with having that life cover inside super, but it's also making the total policies cheaper between the three of them by giving you that multi policy discount there as well.","start":1565.155,"end":1577.805,"sentiment":"positive","sentiment_score":0.3495483519065948},{"text":"Again, this is sort of showing you how it works.","start":1578.045,"end":1580.125,"sentiment":"neutral","sentiment_score":0.25727430135011675},{"text":"In the appendices, I've also got a breakdown of just stand alone trauma policy with the child trauma there just so you can see the difference and you get to decide what's more comfortable for you.","start":1580.125,"end":1590.925,"sentiment":"neutral","sentiment_score":0.15726425188283125}],"sentiment":"neutral","sentiment_score":0.16169093431806011,"num_words":226,"start":1522.51,"end":1590.925},{"sentences":[{"text":"Okay?","start":1590.925,"end":1591.425,"sentiment":"neutral","sentiment_score":0.17540903389453888},{"text":"Excellent.","start":1595.04,"end":1595.54,"sentiment":"positive","sentiment_score":0.6170134544372559},{"text":"That is essentially most of the recommendations around it around that we've made.","start":1596.08,"end":1600.8201,"sentiment":"neutral","sentiment_score":0.3200787133895434},{"text":"You've got the advantages, disadvantages, the risks involved.","start":1601.04,"end":1603.76,"sentiment":"neutral","sentiment_score":0.13232880271971226},{"text":"I've also noted the best interest, Judy, and linked all of this back to your goals as well.","start":1603.76,"end":1607.5349,"sentiment":"positive","sentiment_score":0.4353627132044898}],"sentiment":"positive","sentiment_score":0.33777085419108227,"num_words":41,"start":1590.925,"end":1607.5349},{"sentences":[{"text":"So you're welcome to have a bit of a read through.","start":1607.5349,"end":1609.715,"sentiment":"positive","sentiment_score":0.36730964617295697},{"text":"The only other thing to kinda yes.","start":1610.1749,"end":1612.4149,"sentiment":"neutral","sentiment_score":-0.01180104525493724},{"text":"Yeah.","start":1612.4149,"end":1612.815,"sentiment":"neutral","sentiment_score":0.03083796799182892},{"text":"Sure.","start":1612.815,"end":1613.315,"sentiment":"neutral","sentiment_score":0.015004340559244156},{"text":"Yes.","start":1615.0549,"end":1615.5549,"sentiment":"neutral","sentiment_score":0.024816861376166344}],"sentiment":"neutral","sentiment_score":0.19183133147834314,"num_words":21,"start":1607.5349,"end":1615.5549},{"sentences":[{"text":"It is.","start":1617.0549,"end":1617.7949,"sentiment":"neutral","sentiment_score":0.014774946495890617},{"text":"No.","start":1618.495,"end":1618.6549,"sentiment":"neutral","sentiment_score":-0.057696375995874405},{"text":"No.","start":1618.6549,"end":1618.8949,"sentiment":"neutral","sentiment_score":-0.06335677206516266},{"text":"It's a 100,000 per child.","start":1618.8949,"end":1620.84,"sentiment":"neutral","sentiment_score":-0.02753150388598442},{"text":"Yeah.","start":1626.0399,"end":1626.36,"sentiment":"neutral","sentiment_score":0.00207679346203804}],"sentiment":"neutral","sentiment_score":-0.02270839810371399,"num_words":10,"start":1617.0549,"end":1626.36},{"sentences":[{"text":"No.","start":1626.36,"end":1626.6,"sentiment":"neutral","sentiment_score":-0.02264435961842537},{"text":"It's it's 17 covers both.","start":1626.6,"end":1628.6799,"sentiment":"neutral","sentiment_score":0.0007466861046850681},{"text":"It's a monthly premium for the two child trauma policies.","start":1628.6799,"end":1631.4199,"sentiment":"neutral","sentiment_score":0.006786818092223257},{"text":"Yeah.","start":1631.64,"end":1632.14,"sentiment":"neutral","sentiment_score":0.03531179949641228},{"text":"Yeah.","start":1633.64,"end":1634.14,"sentiment":"neutral","sentiment_score":0.05193428695201874}],"sentiment":"neutral","sentiment_score":0.007566852126425753,"num_words":18,"start":1626.36,"end":1634.14},{"sentences":[{"text":"Yeah.","start":1634.2799,"end":1634.6799,"sentiment":"neutral","sentiment_score":0.18555276095867157},{"text":"Nice.","start":1634.6799,"end":1635.1799,"sentiment":"positive","sentiment_score":0.4457407593727112},{"text":"No.","start":1635.4451,"end":1635.685,"sentiment":"neutral","sentiment_score":0.14841030538082123},{"text":"You're absolutely fine.","start":1635.685,"end":1637.045,"sentiment":"positive","sentiment_score":0.35132449865341187},{"text":"It's absolutely fine.","start":1637.045,"end":1638.265,"sentiment":"positive","sentiment_score":0.5360014537970225}],"sentiment":"positive","sentiment_score":0.38240907589594525,"num_words":9,"start":1634.2799,"end":1638.265},{"sentences":[{"text":"It just it's the way Cleave you kinda notice it, but it is just a $17.26 per month for that one.","start":1638.485,"end":1643.8451,"sentiment":"neutral","sentiment_score":0.2074925700823466},{"text":"And then the same as last time, like, with these policies, the best thing about them is that you're making or setting them up while they're young.","start":1643.8451,"end":1649.72,"sentiment":"positive","sentiment_score":0.3822362770636876},{"text":"So when they do turn 21, the policies revert to adult life policies, and they've had these policies in place.","start":1649.72,"end":1656.6799,"sentiment":"neutral","sentiment_score":0.30575538575649264},{"text":"So any additional there's no additional underwriting for the transfer of these policies to their name when they're older, which is kind of cool.","start":1656.6799,"end":1663.98,"sentiment":"positive","sentiment_score":0.3438044550518195},{"text":"It just sort of protects them in the event that something happens.","start":1664.595,"end":1667.335,"sentiment":"positive","sentiment_score":0.46933769434690475}],"sentiment":"positive","sentiment_score":0.3334249078940887,"num_words":104,"start":1638.485,"end":1667.335},{"sentences":[{"text":"And it also pays out a lump sum benefit of the funds if they pass away as well.","start":1667.875,"end":1672.515,"sentiment":"positive","sentiment_score":0.34894583622614544},{"text":"So child trauma pays out in the event of a major traumatic condition, but if they pass away, you can also claim on that policy as well.","start":1672.515,"end":1680.09,"sentiment":"neutral","sentiment_score":0.21912414621975687},{"text":"So it kinda gives you a little bit of extra cover for a very small out of pocket cost, essentially.","start":1680.49,"end":1686.0299,"sentiment":"neutral","sentiment_score":0.26388328671455386},{"text":"Yeah.","start":1687.5299,"end":1688.0299,"sentiment":"neutral","sentiment_score":0.3324429392814636},{"text":"All good.","start":1688.65,"end":1689.47,"sentiment":"positive","sentiment_score":0.5451951920986176}],"sentiment":"neutral","sentiment_score":0.2779099420260857,"num_words":68,"start":1667.875,"end":1689.47},{"sentences":[{"text":"The other side of that is just the beneficiary side.","start":1690.25,"end":1692.7251,"sentiment":"neutral","sentiment_score":0.16428960263729095},{"text":"So we did make that we did talk about how you wanted in the event of passing, essentially, the funds to be paid directly to your two kids.","start":1692.7251,"end":1700.505,"sentiment":"neutral","sentiment_score":0.17647748600159371},{"text":"I've updated the beneficiary recommendations to the legal personal representative on your super, the MetLife life policy, and also the new recommended Clearview life policy as well, which essentially means that in the event that you were to pass away, all of the having this updated means that all of the super and life insurance proceeds are directed through your will.","start":1701.125,"end":1721.732,"sentiment":"neutral","sentiment_score":0.21089882141009705},{"text":"And then it's just really important that your will is done up, and that is stipulated in the body of the will, how you would like those funds to be paid so they are paid to your kids.","start":1721.732,"end":1733.375,"sentiment":"neutral","sentiment_score":0.11822570879992686},{"text":"One of the biggest things is because they are so young, the funds are not paid directly to the minor children.","start":1733.515,"end":1739.18,"sentiment":"neutral","sentiment_score":0.006958662133131709}],"sentiment":"neutral","sentiment_score":0.15245444670649647,"num_words":158,"start":1690.25,"end":1739.18},{"sentences":[{"text":"They're paid to their guardian.","start":1739.18,"end":1740.4,"sentiment":"neutral","sentiment_score":0.0015220490284264087},{"text":"So having it directed through your will means that you can have, you know, trust set up.","start":1740.62,"end":1745.3401,"sentiment":"neutral","sentiment_score":0.12157972726751776},{"text":"You can have stipulations made on who the money goes to, whether you want, you know, more than one person to be the guardian of the funds and pay the funds out in certain ways, income streams as they get older, or if you wanna pay to a certain adult to make sure the kids do receive the funds and can, you know, cover school costs, the university costs, and things like that as well.","start":1745.3401,"end":1765.4501,"sentiment":"neutral","sentiment_score":0.10407067899902661},{"text":"So it does give you a lot more clarity and control over how you want those funds to be paid.","start":1765.4501,"end":1771.6101,"sentiment":"neutral","sentiment_score":0.2732052721083164},{"text":"So I did update that recommendation to reflect to make sure that any any of your life and super proceeds are paid direct to your will.","start":1771.6101,"end":1780.185,"sentiment":"neutral","sentiment_score":0.23368175098529229}],"sentiment":"neutral","sentiment_score":0.14978739511469133,"num_words":143,"start":1739.18,"end":1780.185},{"sentences":[{"text":"And then it's just important to have a solicitor review your will, power of attorney, and probably guardianship documents as well just to make sure that everything is set as per your wishes.","start":1780.425,"end":1790.2051,"sentiment":"neutral","sentiment_score":0.18558936566114426},{"text":"And that's something we've definitely talked about in the past where, you know, you're like me, our kids are everything, and we just wanna make sure that they are looked after and protected.","start":1790.505,"end":1798.91,"sentiment":"neutral","sentiment_score":0.13521487107782654},{"text":"And you work well and truly way too hard to have that money wasted away and not directed to where you want it to be, essentially.","start":1798.97,"end":1808.4751,"sentiment":"neutral","sentiment_score":-0.10459575300606397},{"text":"Yeah.","start":1809.255,"end":1809.755,"sentiment":"neutral","sentiment_score":0.02905556559562683},{"text":"Especially after the day, it seems like you've had.","start":1810.375,"end":1812.635,"sentiment":"neutral","sentiment_score":-0.04133501069413291}],"sentiment":"neutral","sentiment_score":0.07376559513310592,"num_words":102,"start":1780.425,"end":1812.635},{"sentences":[{"text":"No.","start":1816.4551,"end":1816.6951,"sentiment":"neutral","sentiment_score":0.10177180171012878},{"text":"It's all good.","start":1816.6951,"end":1817.7,"sentiment":"neutral","sentiment_score":0.20741917192935944},{"text":"Look.","start":1817.86,"end":1818.1,"sentiment":"neutral","sentiment_score":0.23490339517593384},{"text":"A lot of this is very much the same as what I recommended last time.","start":1818.1,"end":1821.38,"sentiment":"neutral","sentiment_score":0.2843919634819031},{"text":"I did go back and review everything to make sure it was on par.","start":1821.38,"end":1824.4199,"sentiment":"neutral","sentiment_score":0.17437562346458435}],"sentiment":"neutral","sentiment_score":0.22547267333549612,"num_words":34,"start":1816.4551,"end":1824.4199},{"sentences":[{"text":"MetLife, with the income protection linking, it did definitely cost a lot less than, say, having it done through ClearView.","start":1824.4199,"end":1831.24,"sentiment":"neutral","sentiment_score":0.2060139112174511},{"text":"And MetLife are a really good provider of insurances.","start":1831.725,"end":1834.705,"sentiment":"positive","sentiment_score":0.44062865442699856},{"text":"So feel free to run your eyes over that.","start":1835.085,"end":1837.005,"sentiment":"neutral","sentiment_score":0.2369528959194819},{"text":"Have a read through the advantages, the disadvantages, and, obviously, the best interest duty.","start":1837.005,"end":1841.345,"sentiment":"neutral","sentiment_score":0.09216670550605548},{"text":"If you find you have any questions, you're welcome to let me know by phone call or email.","start":1841.645,"end":1846.2,"sentiment":"neutral","sentiment_score":0.3322928481631809}],"sentiment":"neutral","sentiment_score":0.2498588188784197,"num_words":70,"start":1824.4199,"end":1846.2},{"sentences":[{"text":"I'll happily answer anything that you have.","start":1846.2,"end":1848.3,"sentiment":"positive","sentiment_score":0.6226280076163155},{"text":"On the very last page there, we do have the text box, the multiline text box that outlines essentially, if there's any part of the recommendations that you're choosing not to take on board to absolutely make a note in there, and we review that for you as part of it.","start":1848.68,"end":1862.565,"sentiment":"neutral","sentiment_score":0.14697061241695694},{"text":"And I've also got depending on how much reading you enjoy doing, I've got the MetLife PDF for you, the HUB24 PDF, and the Clearview PDF as well.","start":1862.865,"end":1871.345,"sentiment":"neutral","sentiment_score":0.24483769546662057},{"text":"So you're welcome to, you know, run your eyes over that, have a look at the different conditions that I covered, have a look at the different, you know, exclusions and policy information around each of the different policies to sort of get your head around it.","start":1871.345,"end":1884.22,"sentiment":"neutral","sentiment_score":0.2184479810456012},{"text":"And feel free to come back and let me know if there's any additional questions there.","start":1884.36,"end":1888.505,"sentiment":"neutral","sentiment_score":0.2617463106289506}],"sentiment":"neutral","sentiment_score":0.22257952240839501,"num_words":149,"start":1846.2,"end":1888.505},{"sentences":[{"text":"Okay?","start":1891.365,"end":1891.765,"sentiment":"positive","sentiment_score":0.40895476937294006},{"text":"Excellent.","start":1891.765,"end":1892.265,"sentiment":"positive","sentiment_score":0.6938468217849731},{"text":"I try to keep it not too crazy because it's a lot to kinda go through when you're sort of looking at the documents.","start":1892.3251,"end":1898.105,"sentiment":"neutral","sentiment_score":0.21107316327591738},{"text":"So I like to just make sure that you get the information that you need, and then you get to take it back and have a bit of a read of it, have a a glass of wine or a nice hot coffee or whatever your poison might be, and just sort of sit back and have a really good read of the document.","start":1898.165,"end":1911.38,"sentiment":"positive","sentiment_score":0.35011467861477286},{"text":"I do also just have to let you know before we sort of end the phone call that we do receive remuneration from the insurers for recommending and writing these insurance policies.","start":1911.76,"end":1920.955,"sentiment":"neutral","sentiment_score":0.13856561039574444}],"sentiment":"neutral","sentiment_score":0.27057374158843617,"num_words":122,"start":1891.365,"end":1920.955},{"sentences":[{"text":"It is really important to note that that has no effect on my recommendations in any way, shape, or form.","start":1921.575,"end":1927.035,"sentiment":"neutral","sentiment_score":0.05231676883995533},{"text":"We provide advice under the best interest duty, which is part of the corporations act.","start":1927.255,"end":1931.575,"sentiment":"neutral","sentiment_score":0.192692564924558},{"text":"So any advice is there to meet your goals and be in your best interest.","start":1931.575,"end":1935.6001,"sentiment":"positive","sentiment_score":0.3401100244373083},{"text":"Under the legislation with regard to remuneration, we do receive 56% of the first year's premium and then 22% there ongoing, but we have a duty to disclose that to you.","start":1936.14,"end":1947.225,"sentiment":"neutral","sentiment_score":0.03215311323442767},{"text":"That is noted in the advice document on page 44 as well and 45 so you can see how much we are expected to receive based on that.","start":1947.465,"end":1956.285,"sentiment":"neutral","sentiment_score":0.07327125421059984}],"sentiment":"neutral","sentiment_score":0.1108873013338638,"num_words":109,"start":1921.575,"end":1956.285},{"sentences":[{"text":"But we will review things, and if you decide you don't wish to take on any of that, that's absolutely fine.","start":1957.3049,"end":1963.05,"sentiment":"neutral","sentiment_score":-0.09680527909880593},{"text":"We're just disclosing everything to make sure that we're open and honest with you in regard to it.","start":1963.05,"end":1967.6101,"sentiment":"neutral","sentiment_score":0.09181549565659629},{"text":"Okay?","start":1967.6101,"end":1968.1101,"sentiment":"neutral","sentiment_score":0.06358659267425537},{"text":"Excellent.","start":1970.01,"end":1970.51,"sentiment":"positive","sentiment_score":0.7642312049865723},{"text":"Fantastic.","start":1970.9701,"end":1971.4701,"sentiment":"positive","sentiment_score":0.718130350112915}],"sentiment":"neutral","sentiment_score":0.027755147821846463,"num_words":42,"start":1957.3049,"end":1971.4701},{"sentences":[{"text":"If you just yeah.","start":1972.65,"end":1974.75,"sentiment":"neutral","sentiment_score":0.10797862056642771},{"text":"Yeah.","start":1975.29,"end":1975.6101,"sentiment":"neutral","sentiment_score":0.06311944127082825},{"text":"You're fine.","start":1975.6101,"end":1976.43,"sentiment":"neutral","sentiment_score":0.10938291251659393},{"text":"You like a hug?","start":1978.175,"end":1979.235,"sentiment":"neutral","sentiment_score":0.1079872464761138},{"text":"Yeah.","start":1979.775,"end":1980.275,"sentiment":"neutral","sentiment_score":0.1339920163154602}],"sentiment":"neutral","sentiment_score":0.10664506256580353,"num_words":12,"start":1972.65,"end":1980.275},{"sentences":[{"text":"Absolutely.","start":1980.335,"end":1980.835,"sentiment":"neutral","sentiment_score":0.2611226439476013},{"text":"Not a problem.","start":1982.255,"end":1983.395,"sentiment":"neutral","sentiment_score":-0.0022496345142523446},{"text":"Yeah.","start":1985.135,"end":1985.635,"sentiment":"neutral","sentiment_score":0.2844979166984558},{"text":"Excellent.","start":1985.695,"end":1986.195,"sentiment":"positive","sentiment_score":0.6207953691482544},{"text":"No problem at all.","start":1986.255,"end":1987.135,"sentiment":"positive","sentiment_score":0.5270985513925552}],"sentiment":"neutral","sentiment_score":0.32680612318217755,"num_words":10,"start":1980.335,"end":1987.135},{"sentences":[{"text":"That's basically everything.","start":1987.135,"end":1988.335,"sentiment":"positive","sentiment_score":0.55935866634051},{"text":"I hope you have a lovely afternoon, and, yeah, just come back if there's any questions at all.","start":1988.335,"end":1992.415,"sentiment":"positive","sentiment_score":0.5515253941218058},{"text":"Easy.","start":1992.415,"end":1992.915,"sentiment":"positive","sentiment_score":0.4154170751571655},{"text":"My pleasure.","start":1995.51,"end":1996.15,"sentiment":"positive","sentiment_score":0.8056070804595947},{"text":"Thank you for your time this afternoon.","start":1996.15,"end":1997.3899,"sentiment":"positive","sentiment_score":0.8375396813665118}],"sentiment":"positive","sentiment_score":0.6288690999630959,"num_words":31,"start":1987.135,"end":1997.3899},{"sentences":[{"text":"I hope you have a good afternoon.","start":1997.3899,"end":1998.89,"sentiment":"positive","sentiment_score":0.7461110694067818},{"text":"Thanks, Bianca.","start":2001.19,"end":2002.07,"sentiment":"positive","sentiment_score":0.6188424229621887},{"text":"See you later.","start":2002.07,"end":2002.8099,"sentiment":"positive","sentiment_score":0.48685617248217267}],"sentiment":"positive","sentiment_score":0.6600859041015307,"num_words":12,"start":1997.3899,"end":2002.8099}]}}]},{"alternatives":[{"transcript":"I'm good. How are you? Yeah. Yeah. Good. I just had a staff member storm out of a performance improvement meeting at work, so that was fun. Well, I wasn't actually I had to leave half day for this, and I had an appointment. And so my my wife was buzzing in the appointment, and then I've got a text message that says, you know, said staff member has stormed out and verbally resigned. Oh, well. See you. I don't know. I don't know if you have directives, like, people answering to you. You probably do. But is the worst part about running businesses? It's so painful. Yep. I'm just gonna open it. One second. Sorry. I actually didn't have my laptop on. I'm just and that's why I was on that call, and I'm like, guys, I need to go. I have to go to this call. Sorry. And I was that call, although, to update you. Can you hear me, Dana? Yes. Yes. He just turned back up after an hour and a half for the tantrum. Oh, Oh, my god. I have a great HR manager and an ops manager, so they're dealing with it. But sometimes, you know, the bucket has to stop with you. So okay. Just deal with it. If he's ropable, I can come back to site. Anyway not during your job. It's actually your workplace as well. You manage Okay. I'm on email. Yes. Signature request. Yep. Yep. Got it. Sure. Mhmm. Mhmm. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. No. 20. Yeah. Okay. Yep. Yes, sir. Mhmm. No. No. It don't make sense. Yep. Yep. Yep. No. No. It don't make sense. Yep. Yep. Does that mean that's how long they pay your income for? Is that what that means? Okay. Okay. None. Yep. Yep. Yes. Yes. No. No. That's yeah. That's fine. Yeah. Mhmm. Yep. So monthly benefit. So currently, my premium, which is just the PPD am I saying sorry. Life and PPD is $5.00 8 a year. Is that what we're saying? Okay. And then the life sorry. The the income insurance is the 1,160 as stand alone. And then, obviously, just adding them together to get to the one 467. Yeah. Okay. Yeah. Okay. So what that's 1,100 across the year. I'll have a think and see what I do with yeah. Yeah. Yes. Yep. Mhmm. Yep. Mhmm. Yes. Cool. And sorry, Dana? With the children, is it per child, or is it both a nominator on it? Yeah. Okay. So the 17 covers both, or I it's 17 times two. No? Okay. Yeah. Okay. Sorry. Keep going. Okay. Yep. Yeah. Yes. Center. Oh my goodness. I know. Mhmm. Okay. Yep. Sounds good. Yes. Yeah. Perfect. That makes sense. Okay. I'll go through I'm a bit of a printer. I'll think that it worked tomorrow and go through and yeah. Yeah. I like a hard copy. And then, yeah, I'll come back to you with that. Thank you. Okay. Thanks, Dana. Thank you. You too. Bye. Bye.","confidence":0.97216797,"words":[{"word":"i'm","start":5.04,"end":5.3599997,"confidence":0.9909668,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5822755694389343},{"word":"good","start":5.3599997,"end":5.6,"confidence":0.99658203,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5834776163101196},{"word":"how","start":5.6,"end":5.8399997,"confidence":0.9863281,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.43175432085990906},{"word":"are","start":5.8399997,"end":5.92,"confidence":0.9980469,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3960686922073364},{"word":"you","start":5.92,"end":6.42,"confidence":1.0,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.4686110317707062},{"word":"yeah","start":11.12,"end":11.5199995,"confidence":0.65234375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2489306777715683},{"word":"yeah","start":11.5199995,"end":11.759999,"confidence":0.9748535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.33143213391304016},{"word":"good","start":11.759999,"end":12.08,"confidence":0.98168945,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.5472754240036011},{"word":"i","start":12.08,"end":12.24,"confidence":0.97802734,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3912779986858368},{"word":"just","start":12.24,"end":12.525,"confidence":0.984375,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4060523808002472},{"word":"had","start":12.605,"end":12.764999,"confidence":0.97265625,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.45356547832489014},{"word":"a","start":12.764999,"end":12.844999,"confidence":0.9838867,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.48663413524627686},{"word":"staff","start":12.844999,"end":13.004999,"confidence":0.9453125,"punctuated_word":"staff","sentiment":"positive","sentiment_score":0.4288602471351623},{"word":"member","start":13.004999,"end":13.405,"confidence":0.58691406,"punctuated_word":"member","sentiment":"neutral","sentiment_score":0.28770411014556885},{"word":"storm","start":13.405,"end":13.6449995,"confidence":0.9667969,"punctuated_word":"storm","sentiment":"neutral","sentiment_score":0.2697753310203552},{"word":"out","start":13.6449995,"end":13.804999,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.19948622584342957},{"word":"of","start":13.804999,"end":13.964999,"confidence":0.99316406,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3404480218887329},{"word":"a","start":13.964999,"end":14.125,"confidence":0.96777344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3768993616104126},{"word":"performance","start":14.125,"end":14.525,"confidence":0.99902344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.162099227309227},{"word":"improvement","start":14.525,"end":15.025,"confidence":1.0,"punctuated_word":"improvement","sentiment":"neutral","sentiment_score":0.16711702942848206},{"word":"meeting","start":15.084999,"end":15.405,"confidence":0.98535156,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":0.163709819316864},{"word":"at","start":15.405,"end":15.565,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.19823530316352844},{"word":"work","start":15.565,"end":15.724999,"confidence":0.8691406,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.32170605659484863},{"word":"so","start":15.724999,"end":15.964999,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.427370011806488},{"word":"that","start":15.964999,"end":16.125,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5702094435691833},{"word":"was","start":16.125,"end":16.285,"confidence":0.8984375,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.4777485430240631},{"word":"fun","start":16.285,"end":16.785,"confidence":0.9724121,"punctuated_word":"fun.","sentiment":"neutral","sentiment_score":0.2859262228012085},{"word":"well","start":18.445,"end":18.685,"confidence":0.9316406,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.09598952531814577},{"word":"i","start":18.685,"end":18.845,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17782160639762878},{"word":"wasn't","start":18.845,"end":19.164999,"confidence":0.9995117,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.13401642441749573},{"word":"actually","start":19.164999,"end":19.485,"confidence":0.97998047,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.13993288576602936},{"word":"i","start":19.564999,"end":19.645,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15532173216342926},{"word":"had","start":19.645,"end":19.884998,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.1382182538509369},{"word":"to","start":19.884998,"end":20.045,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1315734088420868},{"word":"leave","start":20.045,"end":20.445,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.1707378625869751},{"word":"half","start":20.445,"end":20.685,"confidence":0.9951172,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.12147480249404909},{"word":"day","start":20.685,"end":21.005,"confidence":0.89746094,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.11575542390346528},{"word":"for","start":21.005,"end":21.164999,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.12725386023521423},{"word":"this","start":21.164999,"end":21.404999,"confidence":0.9423828,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":-0.07459871470928192},{"word":"and","start":21.404999,"end":21.564999,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07941673696041107},{"word":"i","start":21.564999,"end":21.724998,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09038060903549194},{"word":"had","start":21.724998,"end":21.805,"confidence":0.9921875,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.05966632068157196},{"word":"an","start":21.805,"end":21.965,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.038116805255413055},{"word":"appointment","start":21.965,"end":22.465,"confidence":0.87231445,"punctuated_word":"appointment.","sentiment":"neutral","sentiment_score":-0.06628341227769852},{"word":"and","start":22.605,"end":23.105,"confidence":0.9633789,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07441343367099762},{"word":"so","start":23.645,"end":23.884998,"confidence":0.69921875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.11202119290828703},{"word":"my","start":23.884998,"end":24.125,"confidence":0.96533203,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.19128912687301636},{"word":"my","start":24.125,"end":24.365,"confidence":0.9951172,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.15379735827445984},{"word":"wife","start":24.365,"end":24.605,"confidence":0.91259766,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":-0.18366585671901703},{"word":"was","start":24.605,"end":24.845,"confidence":0.8671875,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.21934442222118375},{"word":"buzzing","start":24.845,"end":25.164999,"confidence":0.94384766,"punctuated_word":"buzzing","sentiment":"neutral","sentiment_score":-0.1960570514202118},{"word":"in","start":25.164999,"end":25.404999,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.20757870376110077},{"word":"the","start":25.404999,"end":25.485,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1673620045185089},{"word":"appointment","start":25.485,"end":25.985,"confidence":0.79418945,"punctuated_word":"appointment,","sentiment":"neutral","sentiment_score":-0.1388159543275833},{"word":"and","start":26.204998,"end":26.445,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15654173493385315},{"word":"then","start":26.445,"end":26.845,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1136930212378502},{"word":"i've","start":26.845,"end":26.919998,"confidence":0.9946289,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.1940864771604538},{"word":"got","start":26.919998,"end":26.994999,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.18366888165473935},{"word":"a","start":26.994999,"end":27.244999,"confidence":0.81640625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15484961867332458},{"word":"text","start":27.244999,"end":27.564999,"confidence":0.7758789,"punctuated_word":"text","sentiment":"neutral","sentiment_score":-0.18881089985370636},{"word":"message","start":27.564999,"end":28.064999,"confidence":0.68066406,"punctuated_word":"message","sentiment":"neutral","sentiment_score":-0.14522354304790497},{"word":"that","start":28.28,"end":28.44,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17032606899738312},{"word":"says","start":28.44,"end":28.94,"confidence":0.8762207,"punctuated_word":"says,","sentiment":"neutral","sentiment_score":-0.12569643557071686},{"word":"you","start":29.16,"end":29.320002,"confidence":0.9086914,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13541455566883087},{"word":"know","start":29.320002,"end":29.640001,"confidence":0.99560547,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.15271338820457458},{"word":"said","start":29.640001,"end":30.04,"confidence":0.64697266,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.13451124727725983},{"word":"staff","start":30.04,"end":30.28,"confidence":0.7836914,"punctuated_word":"staff","sentiment":"neutral","sentiment_score":-0.19202163815498352},{"word":"member","start":30.28,"end":30.52,"confidence":0.89453125,"punctuated_word":"member","sentiment":"neutral","sentiment_score":-0.17920078337192535},{"word":"has","start":30.52,"end":30.76,"confidence":0.9667969,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.2888152003288269},{"word":"stormed","start":30.76,"end":31.0,"confidence":0.9394531,"punctuated_word":"stormed","sentiment":"neutral","sentiment_score":-0.22414349019527435},{"word":"out","start":31.0,"end":31.5,"confidence":0.98535156,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.2077928930521011},{"word":"and","start":32.28,"end":32.440002,"confidence":0.9248047,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.34006789326667786},{"word":"verbally","start":32.440002,"end":32.920002,"confidence":0.9941406,"punctuated_word":"verbally","sentiment":"negative","sentiment_score":-0.44650012254714966},{"word":"resigned","start":32.920002,"end":33.420002,"confidence":0.9975586,"punctuated_word":"resigned.","sentiment":"negative","sentiment_score":-0.35827016830444336},{"word":"oh","start":33.64,"end":33.88,"confidence":0.9243164,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.04653573036193848},{"word":"well","start":33.88,"end":34.2,"confidence":0.8544922,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.03830449283123016},{"word":"see","start":34.2,"end":34.440002,"confidence":0.9951172,"punctuated_word":"See","sentiment":"neutral","sentiment_score":-0.026213988661766052},{"word":"you","start":34.440002,"end":34.940002,"confidence":0.9970703,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.009379910305142404},{"word":"i","start":37.64,"end":37.88,"confidence":0.31396484,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1638343185186386},{"word":"don't","start":37.88,"end":38.38,"confidence":0.8845215,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.14645318686962128},{"word":"know","start":38.6,"end":38.92,"confidence":0.59936523,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.09415411949157716},{"word":"i","start":38.92,"end":39.08,"confidence":0.90625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1522277295589447},{"word":"don't","start":39.08,"end":39.24,"confidence":0.9975586,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13119442760944366},{"word":"know","start":39.24,"end":39.48,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.13139237463474274},{"word":"if","start":39.48,"end":39.64,"confidence":0.9526367,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.12872037291526794},{"word":"you","start":39.64,"end":39.8,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12707963585853577},{"word":"have","start":39.8,"end":40.04,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1275520622730255},{"word":"directives","start":40.04,"end":40.54,"confidence":0.7385254,"punctuated_word":"directives,","sentiment":"neutral","sentiment_score":-0.12462612241506577},{"word":"like","start":40.760002,"end":41.0,"confidence":0.7675781,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.11611691117286682},{"word":"people","start":41.0,"end":41.24,"confidence":0.9667969,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.11744043976068495},{"word":"answering","start":41.24,"end":41.72,"confidence":0.9760742,"punctuated_word":"answering","sentiment":"neutral","sentiment_score":-0.11979644000530244},{"word":"to","start":41.72,"end":41.96,"confidence":0.9350586,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1198839619755745},{"word":"you","start":41.96,"end":42.120003,"confidence":0.92822266,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.14673691987991333},{"word":"you","start":42.120003,"end":42.28,"confidence":0.9819336,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.09697738289833067},{"word":"probably","start":42.28,"end":42.760002,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.10556160658597946},{"word":"do","start":42.760002,"end":43.215,"confidence":0.97558594,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.11504723131656648},{"word":"but","start":43.375,"end":43.615,"confidence":0.60546875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06416032463312149},{"word":"is","start":43.615,"end":43.695,"confidence":0.42797852,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09940292686223984},{"word":"the","start":43.695,"end":43.935,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09290557354688644},{"word":"worst","start":43.935,"end":44.335,"confidence":0.9951172,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.18622051179409027},{"word":"part","start":44.335,"end":44.655,"confidence":0.9970703,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.1746612787246704},{"word":"about","start":44.655,"end":44.895,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.18190361559391025},{"word":"running","start":44.895,"end":45.295,"confidence":1.0,"punctuated_word":"running","sentiment":"neutral","sentiment_score":-0.21749645471572876},{"word":"businesses","start":45.295,"end":45.795,"confidence":0.9404297,"punctuated_word":"businesses?","sentiment":"neutral","sentiment_score":-0.18570348620414737},{"word":"it's","start":58.38,"end":58.780003,"confidence":0.9645996,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.04192433878779411},{"word":"so","start":58.780003,"end":59.280003,"confidence":0.96875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05699099600315094},{"word":"painful","start":62.620003,"end":63.120003,"confidence":0.9951172,"punctuated_word":"painful.","sentiment":"neutral","sentiment_score":-0.32188287377357483},{"word":"yep","start":72.06,"end":72.405,"confidence":0.8618164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07741855829954147},{"word":"i'm","start":72.485,"end":72.645,"confidence":0.98217773,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.060418751090765},{"word":"just","start":72.645,"end":72.69833,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.053649306297302246},{"word":"gonna","start":72.69833,"end":72.75166,"confidence":0.9951172,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.04346532002091408},{"word":"open","start":72.75166,"end":72.805,"confidence":0.67529297,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.07574043422937393},{"word":"it","start":72.805,"end":73.305,"confidence":0.9074707,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.06363935768604279},{"word":"one","start":73.845,"end":74.005,"confidence":0.9633789,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.03460969030857086},{"word":"second","start":74.005,"end":74.505,"confidence":0.9265137,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.03887432813644409},{"word":"sorry","start":93.1,"end":93.42,"confidence":0.8791504,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.04365716874599457},{"word":"i","start":93.42,"end":93.5,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06497082114219666},{"word":"actually","start":93.5,"end":93.82,"confidence":0.99121094,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.07710389047861099},{"word":"didn't","start":93.82,"end":94.06,"confidence":0.9812012,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.0696081817150116},{"word":"have","start":94.06,"end":94.21999,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08837898075580597},{"word":"my","start":94.21999,"end":94.38,"confidence":0.99316406,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.1052517220377922},{"word":"laptop","start":94.38,"end":94.78,"confidence":1.0,"punctuated_word":"laptop","sentiment":"neutral","sentiment_score":-0.092237651348114},{"word":"on","start":94.78,"end":95.18,"confidence":0.85131836,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.0784093365073204},{"word":"i'm","start":95.18,"end":95.259995,"confidence":0.6520996,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.047942981123924255},{"word":"just","start":95.259995,"end":95.759995,"confidence":0.98535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.046879492700099945},{"word":"and","start":97.02,"end":97.259995,"confidence":0.5317383,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2416793704032898},{"word":"that's","start":97.259995,"end":97.579994,"confidence":0.80810547,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2402319610118866},{"word":"why","start":97.579994,"end":98.06,"confidence":0.3305664,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.02417834848165512},{"word":"i","start":98.06,"end":98.53999,"confidence":0.6245117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0069552697241306305},{"word":"was","start":98.53999,"end":98.78,"confidence":0.94140625,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.006209995597600937},{"word":"on","start":98.78,"end":98.939995,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.011495918035507202},{"word":"that","start":98.939995,"end":99.1,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.061107538640499115},{"word":"call","start":99.1,"end":99.259995,"confidence":0.75341797,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":-0.008862830698490143},{"word":"and","start":99.259995,"end":99.42,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03077557310461998},{"word":"i'm","start":99.42,"end":99.579994,"confidence":0.9916992,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.042991191148757935},{"word":"like","start":99.579994,"end":99.74,"confidence":0.93530273,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05065927654504776},{"word":"guys","start":99.74,"end":100.06,"confidence":0.96899414,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":-0.08111806213855743},{"word":"i","start":100.06,"end":100.299995,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0918426439166069},{"word":"need","start":100.299995,"end":100.46,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.1073104739189148},{"word":"to","start":100.46,"end":100.7,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08125007152557373},{"word":"go","start":100.7,"end":101.1,"confidence":0.9543457,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":-0.07417397201061249},{"word":"i","start":101.1,"end":101.259995,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07651729881763458},{"word":"have","start":101.259995,"end":101.5,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0674980878829956},{"word":"to","start":101.5,"end":101.979996,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04052530229091644},{"word":"go","start":101.979996,"end":102.38,"confidence":0.984375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.06864262372255325},{"word":"to","start":102.38,"end":102.53999,"confidence":0.51464844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04997579753398895},{"word":"this","start":102.53999,"end":102.86,"confidence":0.6323242,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.009064480662345886},{"word":"call","start":102.86,"end":103.36,"confidence":0.9309082,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":-0.01842440664768219},{"word":"sorry","start":119.54,"end":120.04,"confidence":0.85668945,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.1048758402466774},{"word":"and","start":122.659996,"end":122.979996,"confidence":0.40625,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07633507996797562},{"word":"i","start":122.979996,"end":123.06,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09296659380197524},{"word":"was","start":123.06,"end":123.299995,"confidence":0.9790039,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07386801391839981},{"word":"that","start":123.7,"end":123.94,"confidence":0.83740234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07903753221035004},{"word":"call","start":123.94,"end":124.26,"confidence":0.69311523,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":-0.08746670931577682},{"word":"although","start":124.26,"end":124.659996,"confidence":0.8828125,"punctuated_word":"although,","sentiment":"neutral","sentiment_score":-0.05463552847504616},{"word":"to","start":124.659996,"end":124.82,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03874225914478302},{"word":"update","start":124.82,"end":125.14,"confidence":0.99902344,"punctuated_word":"update","sentiment":"neutral","sentiment_score":-0.0465158075094223},{"word":"you","start":125.14,"end":125.46,"confidence":0.79785156,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.05455443263053894},{"word":"can","start":125.46,"end":125.619995,"confidence":0.39331055,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.023217612877488136},{"word":"you","start":125.619995,"end":125.94,"confidence":0.58935547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.034258827567100525},{"word":"hear","start":125.94,"end":126.1,"confidence":0.9580078,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.03336182236671448},{"word":"me","start":126.1,"end":126.34,"confidence":0.9724121,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":-0.013890475034713743},{"word":"dana","start":126.34,"end":126.84,"confidence":0.9848633,"punctuated_word":"Dana?","sentiment":"neutral","sentiment_score":-0.005096186883747578},{"word":"yes","start":127.46,"end":127.96,"confidence":0.9838867,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.028141824528574944},{"word":"yes","start":128.81999,"end":129.31999,"confidence":0.9580078,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05544969439506531},{"word":"he","start":130.66,"end":130.9,"confidence":0.4453125,"punctuated_word":"He","sentiment":"neutral","sentiment_score":-0.10944437980651855},{"word":"just","start":130.9,"end":131.14,"confidence":0.6899414,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1413748562335968},{"word":"turned","start":131.14,"end":131.38,"confidence":0.8745117,"punctuated_word":"turned","sentiment":"neutral","sentiment_score":-0.145622581243515},{"word":"back","start":131.38,"end":131.62,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.14755848050117493},{"word":"up","start":131.62,"end":131.86,"confidence":0.96533203,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.17435967922210693},{"word":"after","start":131.86,"end":132.1,"confidence":0.99902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.2080431580543518},{"word":"an","start":132.1,"end":132.26,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.2295246124267578},{"word":"hour","start":132.26,"end":132.42,"confidence":1.0,"punctuated_word":"hour","sentiment":"neutral","sentiment_score":-0.19089943170547485},{"word":"and","start":132.42,"end":132.58,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1646992266178131},{"word":"a","start":132.58,"end":132.66,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16726335883140564},{"word":"half","start":132.66,"end":132.81999,"confidence":0.99902344,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.19361935555934903},{"word":"for","start":132.81999,"end":132.98,"confidence":0.31054688,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.28739145398139954},{"word":"the","start":132.98,"end":133.14,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.318997859954834},{"word":"tantrum","start":133.14,"end":133.64,"confidence":0.7461751,"punctuated_word":"tantrum.","sentiment":"neutral","sentiment_score":-0.15826502442359924},{"word":"oh","start":134.905,"end":135.405,"confidence":0.5214844,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.007687428966164589},{"word":"oh","start":137.265,"end":137.545,"confidence":0.6192627,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.05463002249598503},{"word":"my","start":137.545,"end":138.045,"confidence":0.14172363,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.17398986220359802},{"word":"god","start":138.10501,"end":138.60501,"confidence":0.7281494,"punctuated_word":"god.","sentiment":"neutral","sentiment_score":-0.03225872665643692},{"word":"i","start":139.82501,"end":140.32501,"confidence":0.31298828,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04479429125785827},{"word":"have","start":141.545,"end":141.705,"confidence":0.5864258,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1569877713918686},{"word":"a","start":141.705,"end":141.865,"confidence":0.9633789,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16864919662475586},{"word":"great","start":141.865,"end":142.265,"confidence":0.97509766,"punctuated_word":"great","sentiment":"neutral","sentiment_score":0.30055251717567444},{"word":"hr","start":142.265,"end":142.505,"confidence":0.99902344,"punctuated_word":"HR","sentiment":"neutral","sentiment_score":0.1293158978223801},{"word":"manager","start":142.505,"end":142.985,"confidence":0.99902344,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":0.12743829190731049},{"word":"and","start":142.985,"end":143.145,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15919333696365356},{"word":"an","start":143.145,"end":143.225,"confidence":0.99316406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13237890601158142},{"word":"ops","start":143.225,"end":143.465,"confidence":0.97802734,"punctuated_word":"ops","sentiment":"neutral","sentiment_score":0.13279443979263306},{"word":"manager","start":143.465,"end":143.945,"confidence":0.923584,"punctuated_word":"manager,","sentiment":"neutral","sentiment_score":0.090641051530838},{"word":"so","start":143.945,"end":144.02501,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02451668679714203},{"word":"they're","start":144.02501,"end":144.265,"confidence":0.99658203,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.023284435272216797},{"word":"dealing","start":144.265,"end":144.585,"confidence":0.99902344,"punctuated_word":"dealing","sentiment":"neutral","sentiment_score":0.05048459768295288},{"word":"with","start":144.585,"end":144.74501,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06501808017492294},{"word":"it","start":144.74501,"end":144.905,"confidence":0.85302734,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.003436155617237091},{"word":"but","start":144.905,"end":145.145,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04005313664674759},{"word":"sometimes","start":145.145,"end":145.625,"confidence":0.7216797,"punctuated_word":"sometimes,","sentiment":"neutral","sentiment_score":-0.05303867906332016},{"word":"you","start":145.625,"end":145.785,"confidence":0.48706055,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08741647005081177},{"word":"know","start":145.785,"end":145.945,"confidence":0.93969727,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0634436309337616},{"word":"the","start":145.945,"end":146.02501,"confidence":0.96777344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11227965354919434},{"word":"bucket","start":146.02501,"end":146.345,"confidence":0.4543457,"punctuated_word":"bucket","sentiment":"neutral","sentiment_score":-0.16925615072250366},{"word":"has","start":146.345,"end":146.585,"confidence":0.5258789,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.11789201200008392},{"word":"to","start":146.585,"end":146.66501,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08429211378097534},{"word":"stop","start":146.66501,"end":146.905,"confidence":0.9760742,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.08187761157751083},{"word":"with","start":146.905,"end":147.065,"confidence":0.9863281,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.09281481057405472},{"word":"you","start":147.065,"end":147.30501,"confidence":0.8395996,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.044550176709890366},{"word":"so","start":147.30501,"end":147.80501,"confidence":0.93359375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.024014241993427277},{"word":"okay","start":148.44,"end":148.92001,"confidence":0.99316406,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08495782315731049},{"word":"just","start":148.92001,"end":149.24,"confidence":0.9892578,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.027836881577968597},{"word":"deal","start":149.24,"end":149.40001,"confidence":0.9970703,"punctuated_word":"deal","sentiment":"neutral","sentiment_score":0.03144121170043945},{"word":"with","start":149.40001,"end":149.56001,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06622873246669769},{"word":"it","start":149.56001,"end":149.8,"confidence":0.9946289,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.052813656628131866},{"word":"if","start":149.8,"end":149.96,"confidence":0.99609375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.056371890008449554},{"word":"he's","start":149.96,"end":150.12001,"confidence":0.78222656,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.032666124403476715},{"word":"ropable","start":150.12001,"end":150.6,"confidence":0.8109741,"punctuated_word":"ropable,","sentiment":"neutral","sentiment_score":0.04381849616765976},{"word":"i","start":150.6,"end":150.76001,"confidence":0.9790039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07299976050853729},{"word":"can","start":150.76001,"end":150.92001,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04961445555090904},{"word":"come","start":150.92001,"end":151.08,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.03878214210271835},{"word":"back","start":151.08,"end":151.24,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.03472317010164261},{"word":"to","start":151.24,"end":151.48001,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021632511168718335},{"word":"site","start":151.48001,"end":151.98001,"confidence":0.7392578,"punctuated_word":"site.","sentiment":"neutral","sentiment_score":0.05496491491794586},{"word":"anyway","start":154.28,"end":154.52,"confidence":0.36572266,"punctuated_word":"Anyway","sentiment":"neutral","sentiment_score":0.039353981614112854},{"word":"not","start":156.36,"end":156.68001,"confidence":0.18359375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.006915424019098282},{"word":"during","start":156.68001,"end":157.0,"confidence":0.5498047,"punctuated_word":"during","sentiment":"neutral","sentiment_score":0.01116575300693512},{"word":"your","start":157.0,"end":157.16,"confidence":0.5703125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04624364897608757},{"word":"job","start":157.16,"end":157.32,"confidence":0.97753906,"punctuated_word":"job.","sentiment":"neutral","sentiment_score":0.012836508452892303},{"word":"it's","start":157.32,"end":157.56001,"confidence":0.97314453,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.051363199949264526},{"word":"actually","start":157.56001,"end":157.88,"confidence":0.9892578,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.10449258983135223},{"word":"your","start":157.88,"end":158.04001,"confidence":0.984375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07479441165924072},{"word":"workplace","start":158.04001,"end":158.54001,"confidence":0.9526367,"punctuated_word":"workplace","sentiment":"neutral","sentiment_score":0.0779619812965393},{"word":"as","start":158.6,"end":158.76001,"confidence":0.5209961,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1099339872598648},{"word":"well","start":158.76001,"end":159.08,"confidence":0.9494629,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.05352400243282318},{"word":"you","start":159.08,"end":159.24,"confidence":0.47094727,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.021563652902841568},{"word":"manage","start":159.24,"end":159.72,"confidence":0.86572266,"punctuated_word":"manage","sentiment":"neutral","sentiment_score":0.02080429345369339},{"word":"okay","start":162.285,"end":162.785,"confidence":0.9645996,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05364206060767174},{"word":"i'm","start":163.485,"end":163.885,"confidence":0.876709,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04072488471865654},{"word":"on","start":163.885,"end":164.045,"confidence":0.9902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03478288650512695},{"word":"email","start":164.045,"end":164.545,"confidence":0.8708496,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.053384751081466675},{"word":"yes","start":174.44499,"end":174.765,"confidence":0.8520508,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04986726492643356},{"word":"signature","start":174.765,"end":175.265,"confidence":0.99121094,"punctuated_word":"Signature","sentiment":"neutral","sentiment_score":0.04134470969438553},{"word":"request","start":175.405,"end":175.8,"confidence":0.8569336,"punctuated_word":"request.","sentiment":"neutral","sentiment_score":0.05457717552781105},{"word":"yep","start":188.04001,"end":188.54001,"confidence":0.91137695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07654547691345215},{"word":"yep","start":188.68001,"end":188.84,"confidence":0.8847656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09315924346446992},{"word":"got","start":188.84,"end":189.08,"confidence":0.86865234,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.20318196713924408},{"word":"it","start":189.08,"end":189.58,"confidence":0.9550781,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1574950814247131},{"word":"sure","start":228.725,"end":229.225,"confidence":0.83081055,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.06064407527446747},{"word":"mhmm","start":229.52501,"end":230.02501,"confidence":0.994751,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1376524567604065},{"word":"mhmm","start":266.27,"end":266.77,"confidence":0.89160156,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.14219288527965546},{"word":"yep","start":284.045,"end":284.545,"confidence":0.7597656,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.33589160442352295},{"word":"yep","start":300.815,"end":301.315,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11864098161458968},{"word":"yep","start":356.275,"end":356.775,"confidence":0.94140625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18582169711589813},{"word":"yep","start":372.02002,"end":372.52002,"confidence":0.9628906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22319774329662323},{"word":"yep","start":415.435,"end":415.935,"confidence":0.8310547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2686963975429535},{"word":"mhmm","start":537.09,"end":537.59,"confidence":0.9779053,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07619014382362366},{"word":"yep","start":537.89,"end":538.39,"confidence":0.95825195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10119801759719849},{"word":"no","start":540.61,"end":541.11,"confidence":0.8483887,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06691307574510574},{"word":"20","start":554.705,"end":555.205,"confidence":0.82666016,"punctuated_word":"20.","sentiment":"neutral","sentiment_score":0.036539435386657715},{"word":"yeah","start":555.745,"end":556.065,"confidence":0.98535156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07798811048269272},{"word":"okay","start":556.065,"end":556.565,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13665032386779785},{"word":"yep","start":557.55005,"end":558.05005,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2845710515975952},{"word":"yes","start":659.80505,"end":659.965,"confidence":0.6599121,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.002378959208726883},{"word":"sir","start":659.965,"end":660.465,"confidence":0.96606445,"punctuated_word":"sir.","sentiment":"neutral","sentiment_score":0.014415282756090164},{"word":"mhmm","start":758.46,"end":758.805,"confidence":0.883667,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.012934797443449495},{"word":"no","start":854.615,"end":855.015,"confidence":0.8232422,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1198696345090866},{"word":"no","start":855.015,"end":855.33496,"confidence":0.9890137,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13864384591579437},{"word":"it","start":855.33496,"end":855.575,"confidence":0.9536133,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.17522835731506348},{"word":"don't","start":855.575,"end":856.075,"confidence":0.88793945,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.16943912208080292},{"word":"make","start":856.135,"end":856.455,"confidence":0.90722656,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.25264909863471985},{"word":"sense","start":856.455,"end":856.855,"confidence":0.99560547,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.18762362003326416},{"word":"yep","start":856.855,"end":857.355,"confidence":0.9807129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08117972314357758},{"word":"yep","start":873.315,"end":873.815,"confidence":0.95996094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06577205657958984},{"word":"yep","start":972.545,"end":973.045,"confidence":0.83862305,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22790849208831787},{"word":"no","start":977.23,"end":977.73,"confidence":0.87719727,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08686172962188721},{"word":"no","start":977.79,"end":978.02997,"confidence":0.8930664,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.103644460439682},{"word":"it","start":978.02997,"end":978.11,"confidence":0.73095703,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.1117650270462036},{"word":"don't","start":978.11,"end":978.35,"confidence":0.9914551,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.11573495715856552},{"word":"make","start":978.35,"end":978.51,"confidence":0.9873047,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.10449053347110748},{"word":"sense","start":978.51,"end":979.01,"confidence":0.9914551,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.13104283809661865},{"word":"yep","start":1005.73,"end":1006.23,"confidence":0.9279785,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04067359119653702},{"word":"yep","start":1023.615,"end":1024.115,"confidence":0.708374,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09924077987670898},{"word":"does","start":1055.9199,"end":1056.32,"confidence":0.6171875,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.0009475313127040864},{"word":"that","start":1056.32,"end":1056.5599,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01602538302540779},{"word":"mean","start":1056.5599,"end":1056.88,"confidence":0.96240234,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":-0.0013830773532390594},{"word":"that's","start":1056.88,"end":1057.2,"confidence":0.9501953,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.018485844135284424},{"word":"how","start":1057.2,"end":1057.36,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.004862559959292412},{"word":"long","start":1057.36,"end":1057.6,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.010918667539954184},{"word":"they","start":1057.6,"end":1057.84,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.016603294759988785},{"word":"pay","start":1057.84,"end":1058.1599,"confidence":0.84716797,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.007249457761645317},{"word":"your","start":1058.1599,"end":1058.4,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.009872432798147202},{"word":"income","start":1058.4,"end":1058.7999,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.016231253743171692},{"word":"for","start":1058.7999,"end":1058.96,"confidence":0.98706055,"punctuated_word":"for?","sentiment":"neutral","sentiment_score":0.007359467446804047},{"word":"is","start":1058.96,"end":1059.12,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.009813930839300156},{"word":"that","start":1059.12,"end":1059.2,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0238933302462101},{"word":"what","start":1059.2,"end":1059.36,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.007259795442223549},{"word":"that","start":1059.36,"end":1059.52,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.010619614273309708},{"word":"means","start":1059.52,"end":1060.02,"confidence":0.99658203,"punctuated_word":"means?","sentiment":"neutral","sentiment_score":0.015764284878969193},{"word":"okay","start":1061.6,"end":1062.1,"confidence":0.9890137,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.024503041058778763},{"word":"okay","start":1063.52,"end":1064.02,"confidence":0.9758301,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.026528719812631607},{"word":"none","start":1072.915,"end":1073.415,"confidence":0.92407227,"punctuated_word":"None.","sentiment":"neutral","sentiment_score":-0.03763687610626221},{"word":"yep","start":1074.435,"end":1074.935,"confidence":0.94384766,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.015503711067140102},{"word":"yep","start":1079.0751,"end":1079.5751,"confidence":0.9797363,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11106565594673155},{"word":"yes","start":1098.12,"end":1098.495,"confidence":0.86621094,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.026583638042211533},{"word":"yes","start":1105.375,"end":1105.875,"confidence":0.9370117,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.021323153749108315},{"word":"no","start":1117.0701,"end":1117.55,"confidence":0.7902832,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15049904584884644},{"word":"no","start":1117.55,"end":1117.71,"confidence":0.94628906,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14207668602466583},{"word":"that's","start":1117.71,"end":1118.11,"confidence":0.99316406,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.11712391674518584},{"word":"yeah","start":1118.83,"end":1119.33,"confidence":0.9033203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.09033757448196413},{"word":"that's","start":1119.63,"end":1119.95,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.009051445871591568},{"word":"fine","start":1119.95,"end":1120.45,"confidence":0.9980469,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.09331059455871582},{"word":"yeah","start":1120.67,"end":1121.17,"confidence":0.923584,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1289542317390442},{"word":"mhmm","start":1143.17,"end":1143.67,"confidence":0.8890381,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.16872738301753998},{"word":"yep","start":1179.35,"end":1179.85,"confidence":0.85253906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.023503482341766357},{"word":"so","start":1180.15,"end":1180.65,"confidence":0.97509766,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0263198409229517},{"word":"monthly","start":1184.345,"end":1184.8251,"confidence":0.35546875,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.07278834283351898},{"word":"benefit","start":1184.8251,"end":1185.3251,"confidence":0.90405273,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.05411872640252113},{"word":"so","start":1186.105,"end":1186.425,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.010745454579591753},{"word":"currently","start":1186.425,"end":1186.925,"confidence":0.720459,"punctuated_word":"currently,","sentiment":"neutral","sentiment_score":0.008240560069680214},{"word":"my","start":1189.225,"end":1189.545,"confidence":0.97509766,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.01984265074133873},{"word":"premium","start":1189.545,"end":1190.025,"confidence":0.93725586,"punctuated_word":"premium,","sentiment":"neutral","sentiment_score":0.026999516412615776},{"word":"which","start":1190.025,"end":1190.265,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.011502139270305634},{"word":"is","start":1190.265,"end":1190.425,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.013407323509454727},{"word":"just","start":1190.425,"end":1190.585,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.002574995160102844},{"word":"the","start":1190.585,"end":1190.8251,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006458841264247894},{"word":"ppd","start":1190.8251,"end":1191.3251,"confidence":0.97216797,"punctuated_word":"PPD","sentiment":"neutral","sentiment_score":-0.0012459233403205872},{"word":"am","start":1193.225,"end":1193.305,"confidence":0.6894531,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.027486557140946388},{"word":"i","start":1193.305,"end":1193.465,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03458922728896141},{"word":"saying","start":1193.465,"end":1193.7051,"confidence":0.9326172,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.045349933207035065},{"word":"sorry","start":1193.9451,"end":1194.4451,"confidence":0.9338379,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.033791571855545044},{"word":"life","start":1194.505,"end":1194.745,"confidence":0.94140625,"punctuated_word":"Life","sentiment":"neutral","sentiment_score":-0.016618739813566208},{"word":"and","start":1194.745,"end":1194.905,"confidence":0.8691406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.011274462565779686},{"word":"ppd","start":1194.905,"end":1195.405,"confidence":0.9291992,"punctuated_word":"PPD","sentiment":"neutral","sentiment_score":-0.004948296584188938},{"word":"is","start":1196.0599,"end":1196.54,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00890745222568512},{"word":"$5.00","start":1196.54,"end":1197.1,"confidence":0.9941406,"punctuated_word":"$5.00","sentiment":"neutral","sentiment_score":0.004104549065232277},{"word":"8","start":1197.1,"end":1197.6,"confidence":1.0,"punctuated_word":"8","sentiment":"neutral","sentiment_score":-0.016232352703809738},{"word":"a","start":1197.98,"end":1198.0599,"confidence":0.83984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.013362575322389604},{"word":"year","start":1198.0599,"end":1198.46,"confidence":0.8173828,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.01241759955883026},{"word":"is","start":1198.46,"end":1198.62,"confidence":0.96435547,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.003855198621749878},{"word":"that","start":1198.62,"end":1198.86,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.022075608372688293},{"word":"what","start":1198.86,"end":1198.94,"confidence":0.9902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.055255722254514694},{"word":"we're","start":1198.94,"end":1199.02,"confidence":0.83154297,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.004439232405275106},{"word":"saying","start":1199.02,"end":1199.52,"confidence":0.99902344,"punctuated_word":"saying?","sentiment":"neutral","sentiment_score":-0.014307225123047829},{"word":"okay","start":1205.9,"end":1206.4,"confidence":0.9536133,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07632653415203094},{"word":"and","start":1210.155,"end":1210.395,"confidence":0.9316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0227385051548481},{"word":"then","start":1210.395,"end":1210.895,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02361121214926243},{"word":"the","start":1211.835,"end":1212.335,"confidence":0.9326172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0033950861543416977},{"word":"life","start":1212.555,"end":1212.955,"confidence":0.7788086,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.027089798822999},{"word":"sorry","start":1213.515,"end":1213.835,"confidence":0.9260254,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.015290225856006144},{"word":"the","start":1213.835,"end":1214.3151,"confidence":0.99609375,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0010823272168636322},{"word":"the","start":1214.3151,"end":1214.8151,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006627729162573814},{"word":"income","start":1214.875,"end":1215.375,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.002929799258708954},{"word":"insurance","start":1216.075,"end":1216.575,"confidence":0.9863281,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.003232046961784363},{"word":"is","start":1217.195,"end":1217.695,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.003759089857339859},{"word":"the","start":1218.075,"end":1218.395,"confidence":0.6748047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008098624646663666},{"word":"1,160","start":1218.395,"end":1220.175,"confidence":0.9970703,"punctuated_word":"1,160","sentiment":"neutral","sentiment_score":0.02626558393239975},{"word":"as","start":1220.555,"end":1220.715,"confidence":0.9472656,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0009285248816013336},{"word":"stand","start":1220.715,"end":1221.115,"confidence":0.51416016,"punctuated_word":"stand","sentiment":"neutral","sentiment_score":0.004349056631326675},{"word":"alone","start":1221.115,"end":1221.615,"confidence":0.7167969,"punctuated_word":"alone.","sentiment":"neutral","sentiment_score":0.00019943714141845703},{"word":"and","start":1221.74,"end":1221.8201,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.025019440799951553},{"word":"then","start":1221.8201,"end":1222.06,"confidence":0.7824707,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.02486807107925415},{"word":"obviously","start":1222.06,"end":1222.38,"confidence":0.99902344,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.015994612127542496},{"word":"just","start":1222.38,"end":1222.62,"confidence":0.8964844,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.015628866851329803},{"word":"adding","start":1222.62,"end":1222.86,"confidence":1.0,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.027519457042217255},{"word":"them","start":1222.86,"end":1223.1,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.03592013567686081},{"word":"together","start":1223.1,"end":1223.5,"confidence":0.99902344,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.038531724363565445},{"word":"to","start":1223.5,"end":1223.66,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0241628922522068},{"word":"get","start":1223.66,"end":1223.8201,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.0229630284011364},{"word":"to","start":1223.8201,"end":1223.98,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04599977284669876},{"word":"the","start":1223.98,"end":1224.48,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0357537642121315},{"word":"one","start":1224.78,"end":1225.1,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.018616363406181335},{"word":"467","start":1225.1,"end":1226.38,"confidence":0.9899089,"punctuated_word":"467.","sentiment":"neutral","sentiment_score":0.009339946322143078},{"word":"yeah","start":1226.38,"end":1226.62,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04182089120149613},{"word":"okay","start":1226.62,"end":1227.12,"confidence":0.99365234,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05566325783729553},{"word":"yeah","start":1230.38,"end":1230.62,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06563696265220642},{"word":"okay","start":1230.62,"end":1231.1,"confidence":0.9941406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06067894399166107},{"word":"so","start":1231.1,"end":1231.3401,"confidence":0.9770508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04528266191482544},{"word":"what","start":1231.3401,"end":1231.5,"confidence":0.95166016,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.040968842804431915},{"word":"that's","start":1231.5801,"end":1231.9,"confidence":0.97216797,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05495242401957512},{"word":"1,100","start":1231.9,"end":1232.9401,"confidence":0.9436035,"punctuated_word":"1,100","sentiment":"neutral","sentiment_score":0.11831393092870712},{"word":"across","start":1232.9401,"end":1233.42,"confidence":0.9770508,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.10150225460529327},{"word":"the","start":1233.42,"end":1233.5801,"confidence":0.8178711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13500525057315826},{"word":"year","start":1233.5801,"end":1234.0801,"confidence":0.88549805,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.09564156830310822},{"word":"i'll","start":1236.465,"end":1236.545,"confidence":0.88427734,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.060919612646102905},{"word":"have","start":1236.545,"end":1236.785,"confidence":0.9760742,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02835077978670597},{"word":"a","start":1236.785,"end":1236.865,"confidence":0.96435547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02186637371778488},{"word":"think","start":1236.865,"end":1237.105,"confidence":0.94921875,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.003732465207576752},{"word":"and","start":1237.105,"end":1237.345,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013839870691299438},{"word":"see","start":1237.345,"end":1237.585,"confidence":0.93603516,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03209375590085983},{"word":"what","start":1237.585,"end":1237.8251,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.044775351881980896},{"word":"i","start":1237.8251,"end":1237.985,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.011606082320213318},{"word":"do","start":1237.985,"end":1238.225,"confidence":0.8984375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.030613817274570465},{"word":"with","start":1238.225,"end":1238.465,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.015850022435188293},{"word":"yeah","start":1239.185,"end":1239.685,"confidence":0.89331055,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1078908145427704},{"word":"yeah","start":1255.92,"end":1256.42,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03533760830760002},{"word":"yes","start":1303.54,"end":1304.04,"confidence":0.9592285,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.43011921644210815},{"word":"yep","start":1325.685,"end":1326.185,"confidence":0.9128418,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21495208144187927},{"word":"mhmm","start":1411.43,"end":1411.93,"confidence":0.939209,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.050070855766534805},{"word":"yep","start":1415.51,"end":1416.01,"confidence":0.9211426,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.023990456014871597},{"word":"mhmm","start":1516.625,"end":1517.125,"confidence":0.8835449,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07013195753097534},{"word":"yes","start":1538.475,"end":1538.975,"confidence":0.93237305,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08477623760700226},{"word":"cool","start":1593.7999,"end":1594.005,"confidence":0.64453125,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5917078256607056},{"word":"and","start":1610.59,"end":1611.09,"confidence":0.6245117,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.013642685487866402},{"word":"sorry","start":1611.23,"end":1611.63,"confidence":0.7453613,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.09071751683950424},{"word":"dana","start":1611.63,"end":1612.13,"confidence":0.4345703,"punctuated_word":"Dana?","sentiment":"neutral","sentiment_score":-0.046803295612335205},{"word":"with","start":1613.07,"end":1613.39,"confidence":0.98291016,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.006066759582608938},{"word":"the","start":1613.39,"end":1613.71,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006966050714254379},{"word":"children","start":1613.71,"end":1614.21,"confidence":0.99853516,"punctuated_word":"children,","sentiment":"neutral","sentiment_score":0.007989289239048958},{"word":"is","start":1614.59,"end":1614.83,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.006933006923645735},{"word":"it","start":1614.83,"end":1615.33,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.008975598029792309},{"word":"per","start":1615.39,"end":1615.71,"confidence":0.99609375,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.015108423307538033},{"word":"child","start":1615.71,"end":1616.21,"confidence":0.8569336,"punctuated_word":"child,","sentiment":"neutral","sentiment_score":0.014843164011836052},{"word":"or","start":1616.27,"end":1616.4299,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.011461378075182438},{"word":"is","start":1616.4299,"end":1616.6699,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01380418986082077},{"word":"it","start":1616.6699,"end":1616.83,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01676321215927601},{"word":"both","start":1616.83,"end":1617.07,"confidence":0.984375,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.011165279895067217},{"word":"a","start":1617.07,"end":1617.15,"confidence":0.671875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.019332366064190865},{"word":"nominator","start":1617.15,"end":1617.65,"confidence":0.77368164,"punctuated_word":"nominator","sentiment":"neutral","sentiment_score":0.03901882842183113},{"word":"on","start":1617.87,"end":1618.0299,"confidence":0.9892578,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0072109028697013855},{"word":"it","start":1618.0299,"end":1618.5299,"confidence":0.8273926,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.007423348724842072},{"word":"yeah","start":1621.725,"end":1621.965,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018598448485136032},{"word":"okay","start":1621.965,"end":1622.445,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.020541582256555557},{"word":"so","start":1622.445,"end":1622.525,"confidence":0.9291992,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01270368043333292},{"word":"the","start":1622.525,"end":1622.765,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01479293592274189},{"word":"17","start":1622.765,"end":1623.245,"confidence":0.99316406,"punctuated_word":"17","sentiment":"neutral","sentiment_score":0.01955387182533741},{"word":"covers","start":1623.245,"end":1623.565,"confidence":0.85839844,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.019758572801947594},{"word":"both","start":1623.565,"end":1623.8049,"confidence":0.79248047,"punctuated_word":"both,","sentiment":"neutral","sentiment_score":0.01366728823632002},{"word":"or","start":1623.8049,"end":1624.125,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.00891957152634859},{"word":"i","start":1624.125,"end":1624.205,"confidence":0.60595703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0048922281712293625},{"word":"it's","start":1624.285,"end":1624.525,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.005515158176422119},{"word":"17","start":1624.525,"end":1625.005,"confidence":1.0,"punctuated_word":"17","sentiment":"neutral","sentiment_score":0.005496068857610226},{"word":"times","start":1625.005,"end":1625.405,"confidence":0.99902344,"punctuated_word":"times","sentiment":"neutral","sentiment_score":0.006791138090193272},{"word":"two","start":1625.405,"end":1625.885,"confidence":0.8503418,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":-0.00003891251981258392},{"word":"no","start":1625.885,"end":1626.385,"confidence":0.6343994,"punctuated_word":"No?","sentiment":"neutral","sentiment_score":-0.01231204066425562},{"word":"okay","start":1629.645,"end":1630.145,"confidence":0.8642578,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.007573394570499659},{"word":"yeah","start":1632.125,"end":1632.445,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.041626110672950745},{"word":"okay","start":1632.445,"end":1632.945,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04637566953897476},{"word":"sorry","start":1634.12,"end":1634.44,"confidence":0.6126709,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":0.07197844982147217},{"word":"keep","start":1634.44,"end":1634.6799,"confidence":0.82666016,"punctuated_word":"Keep","sentiment":"positive","sentiment_score":0.39935824275016785},{"word":"going","start":1634.6799,"end":1635.1799,"confidence":0.97998047,"punctuated_word":"going.","sentiment":"neutral","sentiment_score":0.27389729022979736},{"word":"okay","start":1683.1549,"end":1683.6549,"confidence":0.7286377,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2029646784067154},{"word":"yep","start":1686.2749,"end":1686.7749,"confidence":0.8342285,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23383083939552307},{"word":"yeah","start":1687.3949,"end":1687.8949,"confidence":0.7429199,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25808772444725037},{"word":"yes","start":1803.77,"end":1804.09,"confidence":0.75683594,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.005542058497667313},{"word":"center","start":1804.09,"end":1804.59,"confidence":0.6925049,"punctuated_word":"Center.","sentiment":"neutral","sentiment_score":0.029809650033712387},{"word":"oh","start":1812.8099,"end":1812.97,"confidence":0.9550781,"punctuated_word":"Oh","sentiment":"neutral","sentiment_score":0.0740077868103981},{"word":"my","start":1812.97,"end":1813.21,"confidence":0.8769531,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.05759946256875992},{"word":"goodness","start":1813.21,"end":1813.71,"confidence":0.99560547,"punctuated_word":"goodness.","sentiment":"neutral","sentiment_score":0.0700451210141182},{"word":"i","start":1813.77,"end":1813.9299,"confidence":0.5878906,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.033990927040576935},{"word":"know","start":1813.9299,"end":1814.4299,"confidence":0.95874023,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.07343815267086029},{"word":"mhmm","start":1824.335,"end":1824.835,"confidence":0.975708,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1043236255645752},{"word":"okay","start":1860.8,"end":1861.3,"confidence":0.9616699,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2121032178401947},{"word":"yep","start":1885.125,"end":1885.625,"confidence":0.90966797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2566298544406891},{"word":"sounds","start":1890.36,"end":1890.68,"confidence":0.9091797,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.6497235298156738},{"word":"good","start":1890.68,"end":1891.18,"confidence":0.9926758,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5527153611183167},{"word":"yes","start":1907.8451,"end":1908.3451,"confidence":0.9736328,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.4483481049537658},{"word":"yeah","start":1968.225,"end":1968.465,"confidence":0.6281738,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2711625099182129},{"word":"perfect","start":1968.465,"end":1968.965,"confidence":0.9885254,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6363499164581299},{"word":"that","start":1969.025,"end":1969.265,"confidence":0.90625,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.5435861945152283},{"word":"makes","start":1969.265,"end":1969.505,"confidence":0.9316406,"punctuated_word":"makes","sentiment":"positive","sentiment_score":0.5278130769729614},{"word":"sense","start":1969.505,"end":1969.89,"confidence":0.99609375,"punctuated_word":"sense.","sentiment":"positive","sentiment_score":0.5670658946037292},{"word":"okay","start":1972.21,"end":1972.53,"confidence":0.9970703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2545282244682312},{"word":"i'll","start":1972.53,"end":1972.85,"confidence":0.99853516,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.17849770188331604},{"word":"go","start":1972.85,"end":1973.01,"confidence":0.9482422,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11481724679470062},{"word":"through","start":1973.01,"end":1973.25,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.21506339311599731},{"word":"i'm","start":1973.33,"end":1973.49,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07646280527114868},{"word":"a","start":1973.49,"end":1973.5701,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1258799433708191},{"word":"bit","start":1973.5701,"end":1973.81,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09584611654281616},{"word":"of","start":1973.81,"end":1973.97,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12422427535057068},{"word":"a","start":1973.97,"end":1974.21,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1758181005716324},{"word":"printer","start":1974.21,"end":1974.71,"confidence":0.7890625,"punctuated_word":"printer.","sentiment":"neutral","sentiment_score":0.09412764012813568},{"word":"i'll","start":1974.77,"end":1975.09,"confidence":0.7385254,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.03901715576648712},{"word":"think","start":1975.09,"end":1975.33,"confidence":0.52197266,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04912213608622551},{"word":"that","start":1975.33,"end":1975.5701,"confidence":0.6567383,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07206299901008606},{"word":"it","start":1975.5701,"end":1975.65,"confidence":0.84472656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04608514904975891},{"word":"worked","start":1975.65,"end":1975.97,"confidence":0.32373047,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":0.170074000954628},{"word":"tomorrow","start":1975.97,"end":1976.37,"confidence":0.9902344,"punctuated_word":"tomorrow","sentiment":"neutral","sentiment_score":0.06154907867312431},{"word":"and","start":1976.37,"end":1976.87,"confidence":0.7158203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05593208596110344},{"word":"go","start":1977.73,"end":1977.97,"confidence":0.46801758,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09780379384756088},{"word":"through","start":1977.97,"end":1978.37,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13009661436080933},{"word":"and","start":1978.37,"end":1978.87,"confidence":0.8305664,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08331838250160217},{"word":"yeah","start":1979.09,"end":1979.59,"confidence":0.87158203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08985978364944458},{"word":"yeah","start":1979.81,"end":1980.21,"confidence":0.93725586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2096637487411499},{"word":"i","start":1980.21,"end":1980.29,"confidence":0.9291992,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3719521462917328},{"word":"like","start":1980.29,"end":1980.4501,"confidence":0.8251953,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3900389075279236},{"word":"a","start":1980.4501,"end":1980.61,"confidence":0.9394531,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2548201382160187},{"word":"hard","start":1980.61,"end":1980.93,"confidence":0.99609375,"punctuated_word":"hard","sentiment":"positive","sentiment_score":0.382897436618805},{"word":"copy","start":1980.93,"end":1981.43,"confidence":0.92285156,"punctuated_word":"copy.","sentiment":"neutral","sentiment_score":0.25936317443847656},{"word":"and","start":1981.81,"end":1982.05,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0455910824239254},{"word":"then","start":1982.05,"end":1982.55,"confidence":0.93652344,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.02600181475281715},{"word":"yeah","start":1982.61,"end":1982.85,"confidence":0.9536133,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.02740983664989471},{"word":"i'll","start":1982.85,"end":1983.01,"confidence":0.99658203,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.03919349983334541},{"word":"come","start":1983.01,"end":1983.17,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.07824267446994781},{"word":"back","start":1983.17,"end":1983.33,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.09942606091499329},{"word":"to","start":1983.33,"end":1983.49,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09137799590826036},{"word":"you","start":1983.49,"end":1983.65,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14128856360912323},{"word":"with","start":1983.65,"end":1983.81,"confidence":0.97265625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1624140739440918},{"word":"that","start":1983.81,"end":1984.215,"confidence":0.64501953,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.15651056170463562},{"word":"thank","start":1990.775,"end":1991.095,"confidence":0.984375,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5330727696418762},{"word":"you","start":1991.095,"end":1991.595,"confidence":0.9980469,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.45840972661972046},{"word":"okay","start":1993.575,"end":1994.075,"confidence":0.7807617,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4315546751022339},{"word":"thanks","start":1994.135,"end":1994.5349,"confidence":0.9902344,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.7505639791488647},{"word":"dana","start":1994.5349,"end":1995.0349,"confidence":0.8215332,"punctuated_word":"Dana.","sentiment":"positive","sentiment_score":0.7032551169395447},{"word":"thank","start":1999.691,"end":1999.931,"confidence":0.51953125,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6993502974510193},{"word":"you","start":1999.931,"end":2000.251,"confidence":0.99560547,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.710098385810852},{"word":"you","start":2000.251,"end":2000.491,"confidence":0.97998047,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.4736398458480835},{"word":"too","start":2000.491,"end":2000.971,"confidence":0.9995117,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.4522322118282318},{"word":"bye","start":2000.971,"end":2001.471,"confidence":0.9748535,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.3472168445587158},{"word":"bye","start":2003.2109,"end":2003.7109,"confidence":0.9382324,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.07483929395675659}],"paragraphs":{"transcript":"\nI'm good. How are you? Yeah. Yeah. Good.\n\nI just had a staff member storm out of a performance improvement meeting at work, so that was fun. Well, I wasn't actually I had to leave half day for this, and I had an appointment. And so my my wife was buzzing in the appointment, and then I've got a text message that says, you know, said staff member has stormed out and verbally resigned. Oh, well. See you.\n\nI don't know. I don't know if you have directives, like, people answering to you. You probably do. But is the worst part about running businesses? It's so painful.\n\nYep. I'm just gonna open it. One second. Sorry. I actually didn't have my laptop on.\n\nI'm just and that's why I was on that call, and I'm like, guys, I need to go. I have to go to this call. Sorry. And I was that call, although, to update you. Can you hear me, Dana?\n\nYes. Yes. He just turned back up after an hour and a half for the tantrum. Oh, Oh, my god. I have a great HR manager and an ops manager, so they're dealing with it.\n\nBut sometimes, you know, the bucket has to stop with you. So okay. Just deal with it. If he's ropable, I can come back to site. Anyway not during your job.\n\nIt's actually your workplace as well. You manage Okay. I'm on email. Yes. Signature request.\n\nYep. Yep. Got it. Sure. Mhmm.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nYep. Mhmm. Yep. No. 20.\n\nYeah. Okay. Yep. Yes, sir. Mhmm.\n\nNo. No. It don't make sense. Yep. Yep.\n\nYep. No. No. It don't make sense. Yep.\n\nYep. Does that mean that's how long they pay your income for? Is that what that means? Okay. Okay.\n\nNone. Yep. Yep. Yes. Yes.\n\nNo. No. That's yeah. That's fine. Yeah.\n\nMhmm. Yep. So monthly benefit. So currently, my premium, which is just the PPD am I saying sorry. Life and PPD is $5.00 8 a year.\n\nIs that what we're saying? Okay. And then the life sorry. The the income insurance is the 1,160 as stand alone. And then, obviously, just adding them together to get to the one 467.\n\nYeah. Okay. Yeah. Okay. So what that's 1,100 across the year.\n\nI'll have a think and see what I do with yeah. Yeah. Yes. Yep. Mhmm.\n\nYep. Mhmm. Yes. Cool. And sorry, Dana?\n\nWith the children, is it per child, or is it both a nominator on it? Yeah. Okay. So the 17 covers both, or I it's 17 times two. No?\n\nOkay. Yeah. Okay. Sorry. Keep going.\n\nOkay. Yep. Yeah. Yes. Center.\n\nOh my goodness. I know. Mhmm. Okay. Yep.\n\nSounds good. Yes. Yeah. Perfect. That makes sense.\n\nOkay. I'll go through I'm a bit of a printer. I'll think that it worked tomorrow and go through and yeah. Yeah. I like a hard copy.\n\nAnd then, yeah, I'll come back to you with that. Thank you. Okay. Thanks, Dana. Thank you.\n\nYou too. Bye. Bye.","paragraphs":[{"sentences":[{"text":"I'm good.","start":5.04,"end":5.6,"sentiment":"positive","sentiment_score":0.582876592874527},{"text":"How are you?","start":5.6,"end":6.42,"sentiment":"positive","sentiment_score":0.43214468161265057},{"text":"Yeah.","start":11.12,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.2489306777715683},{"text":"Yeah.","start":11.5199995,"end":11.759999,"sentiment":"neutral","sentiment_score":0.33143213391304016},{"text":"Good.","start":11.759999,"end":12.08,"sentiment":"positive","sentiment_score":0.5472754240036011}],"sentiment":"positive","sentiment_score":0.4487281832844019,"num_words":8,"start":5.04,"end":12.08},{"sentences":[{"text":"I just had a staff member storm out of a performance improvement meeting at work, so that was fun.","start":12.08,"end":16.785,"sentiment":"positive","sentiment_score":0.3376223656692003},{"text":"Well, I wasn't actually I had to leave half day for this, and I had an appointment.","start":18.445,"end":22.465,"sentiment":"neutral","sentiment_score":-0.1127387285232544},{"text":"And so my my wife was buzzing in the appointment, and then I've got a text message that says, you know, said staff member has stormed out and verbally resigned.","start":22.605,"end":33.420002,"sentiment":"neutral","sentiment_score":-0.1912231055398782},{"text":"Oh, well.","start":33.64,"end":34.2,"sentiment":"neutral","sentiment_score":-0.04242011159658432},{"text":"See you.","start":34.2,"end":34.940002,"sentiment":"neutral","sentiment_score":-0.017796949483454227}],"sentiment":"neutral","sentiment_score":-0.019412296079099178,"num_words":70,"start":12.08,"end":34.940002},{"sentences":[{"text":"I don't know.","start":37.64,"end":38.92,"sentiment":"neutral","sentiment_score":-0.13481387495994568},{"text":"I don't know if you have directives, like, people answering to you.","start":38.92,"end":42.120003,"sentiment":"neutral","sentiment_score":-0.12856394983828068},{"text":"You probably do.","start":42.120003,"end":43.215,"sentiment":"neutral","sentiment_score":-0.1058620736002922},{"text":"But is the worst part about running businesses?","start":43.375,"end":45.795,"sentiment":"neutral","sentiment_score":-0.15030677150934935},{"text":"It's so painful.","start":58.38,"end":63.120003,"sentiment":"neutral","sentiment_score":-0.07432251299420993}],"sentiment":"neutral","sentiment_score":-0.12724886051025883,"num_words":29,"start":37.64,"end":63.120003},{"sentences":[{"text":"Yep.","start":72.06,"end":72.405,"sentiment":"neutral","sentiment_score":0.07741855829954147},{"text":"I'm just gonna open it.","start":72.485,"end":73.305,"sentiment":"neutral","sentiment_score":0.05938263386487961},{"text":"One second.","start":73.845,"end":74.505,"sentiment":"neutral","sentiment_score":0.03674200922250748},{"text":"Sorry.","start":93.1,"end":93.42,"sentiment":"neutral","sentiment_score":-0.04365716874599457},{"text":"I actually didn't have my laptop on.","start":93.42,"end":95.18,"sentiment":"neutral","sentiment_score":-0.0822800834264074}],"sentiment":"neutral","sentiment_score":-0.010737625416368246,"num_words":16,"start":72.06,"end":95.18},{"sentences":[{"text":"I'm just and that's why I was on that call, and I'm like, guys, I need to go.","start":95.18,"end":101.1,"sentiment":"neutral","sentiment_score":-0.003997120385368665},{"text":"I have to go to this call.","start":101.1,"end":103.36,"sentiment":"neutral","sentiment_score":-0.04464557660477502},{"text":"Sorry.","start":119.54,"end":120.04,"sentiment":"neutral","sentiment_score":-0.1048758402466774},{"text":"And I was that call, although, to update you.","start":122.659996,"end":125.46,"sentiment":"neutral","sentiment_score":-0.06712466188602978},{"text":"Can you hear me, Dana?","start":125.46,"end":126.84,"sentiment":"neutral","sentiment_score":-0.021964984945952892}],"sentiment":"neutral","sentiment_score":-0.030082248128019275,"num_words":40,"start":95.18,"end":126.84},{"sentences":[{"text":"Yes.","start":127.46,"end":127.96,"sentiment":"neutral","sentiment_score":0.028141824528574944},{"text":"Yes.","start":128.81999,"end":129.31999,"sentiment":"neutral","sentiment_score":0.05544969439506531},{"text":"He just turned back up after an hour and a half for the tantrum.","start":130.66,"end":133.64,"sentiment":"neutral","sentiment_score":-0.18836167561156408},{"text":"Oh, Oh, my god.","start":134.905,"end":138.60501,"sentiment":"neutral","sentiment_score":-0.06714151008054614},{"text":"I have a great HR manager and an ops manager, so they're dealing with it.","start":139.82501,"end":144.905,"sentiment":"neutral","sentiment_score":0.10729904373486837}],"sentiment":"neutral","sentiment_score":-0.034644352112497605,"num_words":35,"start":127.46,"end":144.905},{"sentences":[{"text":"But sometimes, you know, the bucket has to stop with you.","start":144.905,"end":147.30501,"sentiment":"neutral","sentiment_score":-0.08608313141898676},{"text":"So okay.","start":147.30501,"end":148.92001,"sentiment":"neutral","sentiment_score":0.05448603257536888},{"text":"Just deal with it.","start":148.92001,"end":149.8,"sentiment":"neutral","sentiment_score":0.0445801205933094},{"text":"If he's ropable, I can come back to site.","start":149.8,"end":151.98001,"sentiment":"neutral","sentiment_score":0.04506371832556195},{"text":"Anyway not during your job.","start":154.28,"end":157.32,"sentiment":"neutral","sentiment_score":0.023303063213825227}],"sentiment":"neutral","sentiment_score":-0.004436552164054686,"num_words":31,"start":144.905,"end":157.32},{"sentences":[{"text":"It's actually your workplace as well.","start":157.32,"end":159.08,"sentiment":"neutral","sentiment_score":0.07867836207151413},{"text":"You manage Okay.","start":159.08,"end":162.785,"sentiment":"neutral","sentiment_score":0.032003335654735565},{"text":"I'm on email.","start":163.485,"end":164.545,"sentiment":"neutral","sentiment_score":0.042964174101750054},{"text":"Yes.","start":174.44499,"end":174.765,"sentiment":"neutral","sentiment_score":0.04986726492643356},{"text":"Signature request.","start":174.765,"end":175.8,"sentiment":"neutral","sentiment_score":0.04796094261109829}],"sentiment":"neutral","sentiment_score":0.05618412345647812,"num_words":15,"start":157.32,"end":175.8},{"sentences":[{"text":"Yep.","start":188.04001,"end":188.54001,"sentiment":"neutral","sentiment_score":0.07654547691345215},{"text":"Yep.","start":188.68001,"end":188.84,"sentiment":"neutral","sentiment_score":0.09315924346446992},{"text":"Got it.","start":188.84,"end":189.58,"sentiment":"neutral","sentiment_score":0.1803385242819786},{"text":"Sure.","start":228.725,"end":229.225,"sentiment":"neutral","sentiment_score":0.06064407527446747},{"text":"Mhmm.","start":229.52501,"end":230.02501,"sentiment":"neutral","sentiment_score":0.1376524567604065}],"sentiment":"neutral","sentiment_score":0.12144638349612553,"num_words":6,"start":188.04001,"end":230.02501},{"sentences":[{"text":"Mhmm.","start":266.27,"end":266.77,"sentiment":"neutral","sentiment_score":0.14219288527965546},{"text":"Yep.","start":284.045,"end":284.545,"sentiment":"positive","sentiment_score":0.33589160442352295},{"text":"Yep.","start":300.815,"end":301.315,"sentiment":"neutral","sentiment_score":0.11864098161458968},{"text":"Yep.","start":356.275,"end":356.775,"sentiment":"neutral","sentiment_score":0.18582169711589813},{"text":"Yep.","start":372.02002,"end":372.52002,"sentiment":"neutral","sentiment_score":0.22319774329662323}],"sentiment":"neutral","sentiment_score":0.20114898234605788,"num_words":5,"start":266.27,"end":372.52002},{"sentences":[{"text":"Yep.","start":415.435,"end":415.935,"sentiment":"neutral","sentiment_score":0.2686963975429535},{"text":"Mhmm.","start":537.09,"end":537.59,"sentiment":"neutral","sentiment_score":0.07619014382362366},{"text":"Yep.","start":537.89,"end":538.39,"sentiment":"neutral","sentiment_score":0.10119801759719849},{"text":"No.","start":540.61,"end":541.11,"sentiment":"neutral","sentiment_score":-0.06691307574510574},{"text":"20.","start":554.705,"end":555.205,"sentiment":"neutral","sentiment_score":0.036539435386657715}],"sentiment":"neutral","sentiment_score":0.08314218372106552,"num_words":5,"start":415.435,"end":555.205},{"sentences":[{"text":"Yeah.","start":555.745,"end":556.065,"sentiment":"neutral","sentiment_score":0.07798811048269272},{"text":"Okay.","start":556.065,"end":556.565,"sentiment":"neutral","sentiment_score":0.13665032386779785},{"text":"Yep.","start":557.55005,"end":558.05005,"sentiment":"neutral","sentiment_score":0.2845710515975952},{"text":"Yes, sir.","start":659.80505,"end":660.465,"sentiment":"neutral","sentiment_score":0.008397120982408524},{"text":"Mhmm.","start":758.46,"end":758.805,"sentiment":"neutral","sentiment_score":0.012934797443449495}],"sentiment":"neutral","sentiment_score":0.08815642089272539,"num_words":6,"start":555.745,"end":758.805},{"sentences":[{"text":"No.","start":854.615,"end":855.015,"sentiment":"neutral","sentiment_score":-0.1198696345090866},{"text":"No.","start":855.015,"end":855.33496,"sentiment":"neutral","sentiment_score":-0.13864384591579437},{"text":"It don't make sense.","start":855.33496,"end":856.855,"sentiment":"neutral","sentiment_score":-0.1962350495159626},{"text":"Yep.","start":856.855,"end":857.355,"sentiment":"neutral","sentiment_score":0.08117972314357758},{"text":"Yep.","start":873.315,"end":873.815,"sentiment":"neutral","sentiment_score":0.06577205657958984}],"sentiment":"neutral","sentiment_score":-0.1120627373456955,"num_words":8,"start":854.615,"end":873.815},{"sentences":[{"text":"Yep.","start":972.545,"end":973.045,"sentiment":"neutral","sentiment_score":0.22790849208831787},{"text":"No.","start":977.23,"end":977.73,"sentiment":"neutral","sentiment_score":-0.08686172962188721},{"text":"No.","start":977.79,"end":978.02997,"sentiment":"neutral","sentiment_score":-0.103644460439682},{"text":"It don't make sense.","start":978.02997,"end":979.01,"sentiment":"neutral","sentiment_score":-0.11575833894312382},{"text":"Yep.","start":1005.73,"end":1006.23,"sentiment":"neutral","sentiment_score":0.04067359119653702}],"sentiment":"neutral","sentiment_score":-0.0481196828186512,"num_words":8,"start":972.545,"end":1006.23},{"sentences":[{"text":"Yep.","start":1023.615,"end":1024.115,"sentiment":"neutral","sentiment_score":0.09924077987670898},{"text":"Does that mean that's how long they pay your income for?","start":1055.9199,"end":1058.96,"sentiment":"neutral","sentiment_score":0.00974298319356008},{"text":"Is that what that means?","start":1058.96,"end":1060.02,"sentiment":"neutral","sentiment_score":0.01056627295911312},{"text":"Okay.","start":1061.6,"end":1062.1,"sentiment":"neutral","sentiment_score":0.024503041058778763},{"text":"Okay.","start":1063.52,"end":1064.02,"sentiment":"neutral","sentiment_score":0.026528719812631607}],"sentiment":"neutral","sentiment_score":0.016330353719623464,"num_words":19,"start":1023.615,"end":1064.02},{"sentences":[{"text":"None.","start":1072.915,"end":1073.415,"sentiment":"neutral","sentiment_score":-0.03763687610626221},{"text":"Yep.","start":1074.435,"end":1074.935,"sentiment":"neutral","sentiment_score":0.015503711067140102},{"text":"Yep.","start":1079.0751,"end":1079.5751,"sentiment":"neutral","sentiment_score":0.11106565594673155},{"text":"Yes.","start":1098.12,"end":1098.495,"sentiment":"neutral","sentiment_score":0.026583638042211533},{"text":"Yes.","start":1105.375,"end":1105.875,"sentiment":"neutral","sentiment_score":-0.021323153749108315}],"sentiment":"neutral","sentiment_score":0.018838595040142535,"num_words":5,"start":1072.915,"end":1105.875},{"sentences":[{"text":"No.","start":1117.0701,"end":1117.55,"sentiment":"neutral","sentiment_score":-0.15049904584884644},{"text":"No.","start":1117.55,"end":1117.71,"sentiment":"neutral","sentiment_score":-0.14207668602466583},{"text":"That's yeah.","start":1117.71,"end":1119.33,"sentiment":"neutral","sentiment_score":-0.10373074561357498},{"text":"That's fine.","start":1119.63,"end":1120.45,"sentiment":"neutral","sentiment_score":0.051181020215153694},{"text":"Yeah.","start":1120.67,"end":1121.17,"sentiment":"neutral","sentiment_score":0.1289542317390442}],"sentiment":"neutral","sentiment_score":-0.038388707275901525,"num_words":7,"start":1117.0701,"end":1121.17},{"sentences":[{"text":"Mhmm.","start":1143.17,"end":1143.67,"sentiment":"neutral","sentiment_score":0.16872738301753998},{"text":"Yep.","start":1179.35,"end":1179.85,"sentiment":"neutral","sentiment_score":-0.023503482341766357},{"text":"So monthly benefit.","start":1180.15,"end":1185.3251,"sentiment":"neutral","sentiment_score":0.03352907610436281},{"text":"So currently, my premium, which is just the PPD am I saying sorry.","start":1186.105,"end":1194.4451,"sentiment":"neutral","sentiment_score":-0.004673800359551723},{"text":"Life and PPD is $5.00 8 a year.","start":1194.505,"end":1198.46,"sentiment":"neutral","sentiment_score":-0.00995711621362716}],"sentiment":"neutral","sentiment_score":0.0040536459463720136,"num_words":26,"start":1143.17,"end":1198.46},{"sentences":[{"text":"Is that what we're saying?","start":1198.46,"end":1199.52,"sentiment":"neutral","sentiment_score":-0.016668824944645166},{"text":"Okay.","start":1205.9,"end":1206.4,"sentiment":"neutral","sentiment_score":0.07632653415203094},{"text":"And then the life sorry.","start":1210.155,"end":1213.835,"sentiment":"neutral","sentiment_score":0.000114921294152737},{"text":"The the income insurance is the 1,160 as stand alone.","start":1213.835,"end":1221.615,"sentiment":"neutral","sentiment_score":0.005345051549375058},{"text":"And then, obviously, just adding them together to get to the one 467.","start":1221.74,"end":1226.38,"sentiment":"neutral","sentiment_score":0.02617831349086303}],"sentiment":"neutral","sentiment_score":0.011391929611015846,"num_words":34,"start":1198.46,"end":1226.38},{"sentences":[{"text":"Yeah.","start":1226.38,"end":1226.62,"sentiment":"neutral","sentiment_score":0.04182089120149613},{"text":"Okay.","start":1226.62,"end":1227.12,"sentiment":"neutral","sentiment_score":0.05566325783729553},{"text":"Yeah.","start":1230.38,"end":1230.62,"sentiment":"neutral","sentiment_score":0.06563696265220642},{"text":"Okay.","start":1230.62,"end":1231.1,"sentiment":"neutral","sentiment_score":0.06067894399166107},{"text":"So what that's 1,100 across the year.","start":1231.1,"end":1234.0801,"sentiment":"neutral","sentiment_score":0.08452384759272848}],"sentiment":"neutral","sentiment_score":0.07413336262106895,"num_words":11,"start":1226.38,"end":1234.0801},{"sentences":[{"text":"I'll have a think and see what I do with yeah.","start":1236.465,"end":1239.685,"sentiment":"neutral","sentiment_score":0.02006914619017731},{"text":"Yeah.","start":1255.92,"end":1256.42,"sentiment":"neutral","sentiment_score":0.03533760830760002},{"text":"Yes.","start":1303.54,"end":1304.04,"sentiment":"positive","sentiment_score":0.43011921644210815},{"text":"Yep.","start":1325.685,"end":1326.185,"sentiment":"neutral","sentiment_score":0.21495208144187927},{"text":"Mhmm.","start":1411.43,"end":1411.93,"sentiment":"neutral","sentiment_score":-0.050070855766534805}],"sentiment":"neutral","sentiment_score":0.05673991056780021,"num_words":15,"start":1236.465,"end":1411.93},{"sentences":[{"text":"Yep.","start":1415.51,"end":1416.01,"sentiment":"neutral","sentiment_score":-0.023990456014871597},{"text":"Mhmm.","start":1516.625,"end":1517.125,"sentiment":"neutral","sentiment_score":0.07013195753097534},{"text":"Yes.","start":1538.475,"end":1538.975,"sentiment":"neutral","sentiment_score":0.08477623760700226},{"text":"Cool.","start":1593.7999,"end":1594.005,"sentiment":"positive","sentiment_score":0.5917078256607056},{"text":"And sorry, Dana?","start":1610.59,"end":1612.13,"sentiment":"neutral","sentiment_score":-0.05038783264656862}],"sentiment":"neutral","sentiment_score":0.08163743812058653,"num_words":7,"start":1415.51,"end":1612.13},{"sentences":[{"text":"With the children, is it per child, or is it both a nominator on it?","start":1613.07,"end":1618.5299,"sentiment":"neutral","sentiment_score":0.012870786525309087},{"text":"Yeah.","start":1621.725,"end":1621.965,"sentiment":"neutral","sentiment_score":0.018598448485136032},{"text":"Okay.","start":1621.965,"end":1622.445,"sentiment":"neutral","sentiment_score":0.020541582256555557},{"text":"So the 17 covers both, or I it's 17 times two.","start":1622.445,"end":1625.885,"sentiment":"neutral","sentiment_score":0.010186509229242802},{"text":"No?","start":1625.885,"end":1626.385,"sentiment":"neutral","sentiment_score":-0.01231204066425562}],"sentiment":"neutral","sentiment_score":0.01144625480961183,"num_words":29,"start":1613.07,"end":1626.385},{"sentences":[{"text":"Okay.","start":1629.645,"end":1630.145,"sentiment":"neutral","sentiment_score":0.007573394570499659},{"text":"Yeah.","start":1632.125,"end":1632.445,"sentiment":"neutral","sentiment_score":0.041626110672950745},{"text":"Okay.","start":1632.445,"end":1632.945,"sentiment":"neutral","sentiment_score":0.04637566953897476},{"text":"Sorry.","start":1634.12,"end":1634.44,"sentiment":"neutral","sentiment_score":0.07197844982147217},{"text":"Keep going.","start":1634.44,"end":1635.1799,"sentiment":"positive","sentiment_score":0.3366277664899826}],"sentiment":"neutral","sentiment_score":0.14013485959731042,"num_words":6,"start":1629.645,"end":1635.1799},{"sentences":[{"text":"Okay.","start":1683.1549,"end":1683.6549,"sentiment":"neutral","sentiment_score":0.2029646784067154},{"text":"Yep.","start":1686.2749,"end":1686.7749,"sentiment":"neutral","sentiment_score":0.23383083939552307},{"text":"Yeah.","start":1687.3949,"end":1687.8949,"sentiment":"neutral","sentiment_score":0.25808772444725037},{"text":"Yes.","start":1803.77,"end":1804.09,"sentiment":"neutral","sentiment_score":0.005542058497667313},{"text":"Center.","start":1804.09,"end":1804.59,"sentiment":"neutral","sentiment_score":0.029809650033712387}],"sentiment":"neutral","sentiment_score":0.1460469901561737,"num_words":5,"start":1683.1549,"end":1804.59},{"sentences":[{"text":"Oh my goodness.","start":1812.8099,"end":1813.71,"sentiment":"neutral","sentiment_score":0.06721745679775874},{"text":"I know.","start":1813.77,"end":1814.4299,"sentiment":"neutral","sentiment_score":0.05371453985571861},{"text":"Mhmm.","start":1824.335,"end":1824.835,"sentiment":"neutral","sentiment_score":0.1043236255645752},{"text":"Okay.","start":1860.8,"end":1861.3,"sentiment":"neutral","sentiment_score":0.2121032178401947},{"text":"Yep.","start":1885.125,"end":1885.625,"sentiment":"neutral","sentiment_score":0.2566298544406891}],"sentiment":"neutral","sentiment_score":0.11026726849377155,"num_words":8,"start":1812.8099,"end":1885.625},{"sentences":[{"text":"Sounds good.","start":1890.36,"end":1891.18,"sentiment":"positive","sentiment_score":0.6012194454669952},{"text":"Yes.","start":1907.8451,"end":1908.3451,"sentiment":"positive","sentiment_score":0.4483481049537658},{"text":"Yeah.","start":1968.225,"end":1968.465,"sentiment":"neutral","sentiment_score":0.2711625099182129},{"text":"Perfect.","start":1968.465,"end":1968.965,"sentiment":"positive","sentiment_score":0.6363499164581299},{"text":"That makes sense.","start":1969.025,"end":1969.89,"sentiment":"positive","sentiment_score":0.546155055363973}],"sentiment":"positive","sentiment_score":0.5245955735445023,"num_words":8,"start":1890.36,"end":1969.89},{"sentences":[{"text":"Okay.","start":1972.21,"end":1972.53,"sentiment":"neutral","sentiment_score":0.2545282244682312},{"text":"I'll go through I'm a bit of a printer.","start":1972.53,"end":1974.71,"sentiment":"neutral","sentiment_score":0.1334152470032374},{"text":"I'll think that it worked tomorrow and go through and yeah.","start":1974.77,"end":1979.59,"sentiment":"neutral","sentiment_score":0.08135647089643912},{"text":"Yeah.","start":1979.81,"end":1980.21,"sentiment":"neutral","sentiment_score":0.2096637487411499},{"text":"I like a hard copy.","start":1980.21,"end":1981.43,"sentiment":"neutral","sentiment_score":0.3318143606185913}],"sentiment":"neutral","sentiment_score":0.1562563770071224,"num_words":27,"start":1972.21,"end":1981.43},{"sentences":[{"text":"And then, yeah, I'll come back to you with that.","start":1981.81,"end":1984.215,"sentiment":"neutral","sentiment_score":0.07342494912445545},{"text":"Thank you.","start":1990.775,"end":1991.595,"sentiment":"positive","sentiment_score":0.49574124813079834},{"text":"Okay.","start":1993.575,"end":1994.075,"sentiment":"positive","sentiment_score":0.4315546751022339},{"text":"Thanks, Dana.","start":1994.135,"end":1995.0349,"sentiment":"positive","sentiment_score":0.7269095480442047},{"text":"Thank you.","start":1999.691,"end":2000.251,"sentiment":"positive","sentiment_score":0.7047243416309357}],"sentiment":"neutral","sentiment_score":0.29532673187992153,"num_words":17,"start":1981.81,"end":2000.251},{"sentences":[{"text":"You too.","start":2000.251,"end":2000.971,"sentiment":"positive","sentiment_score":0.46293602883815765},{"text":"Bye.","start":2000.971,"end":2001.471,"sentiment":"positive","sentiment_score":0.3472168445587158},{"text":"Bye.","start":2003.2109,"end":2003.7109,"sentiment":"neutral","sentiment_score":-0.07483929395675659}],"sentiment":"neutral","sentiment_score":0.29956240206956863,"num_words":4,"start":2000.251,"end":2003.7109}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Bianca. This is Dana. How are you this afternoon?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm very well. Thank you. How's your day been so far?\n\nChannel 1: Yeah. Yeah. Good. I just had a staff member storm out of a performance improvement meeting at work, so that was fun.\n\nChannel 0: Oh, no. Wow.\n\nChannel 1: Well, I wasn't actually I had to leave half day for this, and I had an appointment. And\n\nChannel 0: Yes.\n\nChannel 1: so my my wife was buzzing in the appointment, and then I've got a text message that says, you know, said staff member has stormed out and\n\nChannel 0: Oh,\n\nChannel 1: verbally\n\nChannel 0: no.\n\nChannel 1: resigned. Oh, well. See you.\n\nChannel 0: Oh, oh, no. What\n\nChannel 1: I\n\nChannel 0: a day.\n\nChannel 1: don't\n\nChannel 0: Goodness\n\nChannel 1: know.\n\nChannel 0: me.\n\nChannel 1: I don't know if you have directives, like, people answering to you. You probably do.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: Yeah.\n\nChannel 1: is the worst part about running businesses?\n\nChannel 0: Yes. Yes. Absolutely. That's kind of why I like to send the adviser and not having any senior management roles or anything like that. I'm happy for someone else to do all of that aspect, and I just\n\nChannel 1: It's\n\nChannel 0: talk to\n\nChannel 1: so\n\nChannel 0: clients and do advice and yeah. No. Absolutely.\n\nChannel 1: painful.\n\nChannel 0: Well, hopefully, your afternoon gets a little bit better. I do have your advice document ready to go if you're comfortable going through that now with me.\n\nChannel 1: Yep. I'm just gonna open it.\n\nChannel 0: That's fair.\n\nChannel 1: One second.\n\nChannel 0: Yeah. You're right. Not a problem at all. Beautiful. Is that working for you?\n\nChannel 1: Sorry. I actually didn't have my laptop on. I'm just\n\nChannel 0: Oh, that's okay. You're absolutely\n\nChannel 1: and that's\n\nChannel 0: fine.\n\nChannel 1: why I was\n\nChannel 0: You're\n\nChannel 1: on that\n\nChannel 0: fine.\n\nChannel 1: call, and I'm like, guys, I need to go. I have to go to this call.\n\nChannel 0: Yeah. You're right. Not a worry at all. I was almost I was in the process of sending you a message just to let you know it was me because I was like, oh, you're probably busy in a meeting or you're screening the call, so I'll quickly text you after I left the message to make it easier.\n\nChannel 1: Sorry. And I was that call, although, to update you. Can you hear me, Dana? Yes.\n\nChannel 0: Yeah. I can. Yeah. Yep.\n\nChannel 1: Yes.\n\nChannel 0: You can hear me okay?\n\nChannel 1: He just turned back up after an hour and a half for the tantrum. Oh, Oh, my god. I have a great HR manager and an ops manager, so they're dealing with it. But sometimes, you know, the bucket has to stop with you. So\n\nChannel 0: Yeah.\n\nChannel 1: okay. Just deal with it. If he's ropable, I can come back to site.\n\nChannel 0: Absolutely. Yeah.\n\nChannel 1: Anyway not during your job. It's actually your workplace as well. You manage\n\nChannel 0: Oh,\n\nChannel 1: Okay.\n\nChannel 0: wow.\n\nChannel 1: I'm on email.\n\nChannel 0: Yep. So it should've come through from OdooSign or from my email.\n\nChannel 1: Yes. Signature request.\n\nChannel 0: Yep. That's the one. So if you click on the button that says sign the document, it'll take you through so you can see the statement of advice, and it has your name on the very front there with the 08/19/2026.\n\nChannel 1: Yep. Yep. Got it.\n\nChannel 0: Yep. Beautiful. Excellent. Now all of our advice is valid for sixty days from the date on the document. And it's stated today, so you have sixty days from presentation to review it and decide whether you're wanting to take the advice on.\n\nOn the front page has my license registration number, so I'm a licensed adviser through ASIC, and my registration number is 1304394. Okay. With this, I'll take you through the sections that we need to sort touch on to go through the the areas that we need to, and then I'll let you go back to have a really good rate of the document as well. Because as I'm sort of talking through it, sometimes it can be a little bit overwhelming with all the bits and pieces, so giving you time to go back and read it through and take it in is really important as well.\n\nChannel 1: Sure.\n\nChannel 0: Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. As we are sort of scrolling through pages three, four, and five, we've got the areas that we are just scoping in and out. So we're looking at superannuation. We're looking at insurances for you there as well, and I've scoping the estate planning to make sure your beneficiaries are set up in line with your wishes. Okay?\n\nAreas that we've scoped out for now is looking at potential property, investment properties, and investments outside of super. We can definitely look at those down the track when you are ready to have that more in-depth conversation. For now, we'll just sort out your super insurances and then work on the next thing for you. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. If I can get you to move down or scroll, sorry, down to page number 12, this is the start of the recommendations there for you.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So with this one here, I did go back and have a look at Hub twenty four as well as any other super fund out there, making sure that you were in a good fund, that it was working for you, but also reassessing the investments because we had noted that some of those were underperforming a little bit.\n\nChannel 1: Yep.\n\nChannel 0: I have recommended that we do stay with Hub twenty four. I know it wasn't your favorite fund, but one of the biggest things that I do look at when we do look at super funds is the the CGT cost around the selling and the changing of investments. So, essentially, I did look at you know, hub twenty four does realistically have the most amount of investments available out of most of the adviser platforms. And if we were to sell down your total portfolio, the CGT cost was so much higher. So it does work out better to retain Hub twenty four and be able to switch the investments within in them to make them work a bit harder for you.\n\nIf you are finding that you are struggling with Hub 24 that the the app or, you know, utilizing it isn't working well for you, let me know. I'm happy to send you reports and break things down and give you updated balances and things like that on a more regular basis as well. But it just didn't work out cost effective to move you to a whole another platform. So I have\n\nChannel 1: Yep.\n\nChannel 0: recommended to retain Hub twenty four and switch the investments within that. I am recommending that you keep your salary sacrifice as it is at the moment. So it is working really well for you because you are obviously, you have a family and kids. I didn't wanna eat away too much of your income. But because\n\nChannel 1: Yep.\n\nChannel 0: your income does increase quite regularly each year, as you move up in the tax brackets, it might be worthwhile looking at later down the track at additional ways to help reduce tax without that being your total goal, looking at ways to help kind of, you know, reduce or limit the amount of tax payable and benefit super down the track. So I look to retain your salary sacrifice as it is and just sort of switch those investments out there for you. To show you how I'm going to change those investments to make it easier, if you move down to page number 18,\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So this is the fee comparison table. So it essentially shows you the reason behind my recommendations. As I kinda mentioned, when we do make switches of investments, like your super fund, just like you, does a tax return every year, they pay income tax and capital gains tax and things like that. So when I looked at how to switch the investments and make the changes, the changes I'm recommending will result only in about a $127 as a CDT consequence for your super.\n\nSo it essentially means that your balance is $191,001.28 currently. We only expect after the changes a 127 in CGT, which means your starting balance remains higher. With the new changes, and I'll take you through individually in a second, the new portfolio is also cheaper in investment fees. So you're currently paying 851 for the year in investment fees for the current portfolio. The newer portfolio I'm recommending saves you about $284 in investment fees there.\n\nSo that outweighs the CGT cost of making the switch and makes the portfolio cheaper for you long term as well. I also noted that because of the difference in balance, obviously, our ongoing adviser fee is reduced a little bit as well, expected to save you about $65 for the year. And then I have made a recommendation on insurances to factor in as well. That does mean the insurance cost expected is to be a little bit higher. The other thing I sort of look at and factor in is how the portfolios have been performing.\n\nSo you're currently in that high growth environment wanting to take a bit more risk in the market to get those greater potential returns. The newer portfolio has averaged about 9.77% on a yearly basis over the past five years, whereas the new portfolio has averaged about 11.33%. So when we take into account switching the investments to CGT costs, the reduction investment fees, and how the the newer portfolio has performed in the past, we can see as per the projection table below that it's expected to put you in a greater position over the next five to ten years, which is really good and important. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Do\n\nChannel 1: Yep.\n\nChannel 0: you have any questions so far?\n\nChannel 1: No.\n\nChannel 0: No? Beautiful. If you scroll further down there for me to page number 20, this is the switch of the investment.\n\nChannel 1: 20. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: You're right. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: So on here, we've got the table noting all the different investments and how you are invested within your super fund currently. So, essentially, in order to make the changes, we have all the investments noted here. The red and the green is what we're gonna be selling down and buying. And then the last two columns, your target waiting and target balance is where we see your balance once once the switch has been completed. So, essentially, we are gonna sell off all the battery and lithium tax, remove the ban along Australian equities as it's been underperforming, remove the bank hybrids as they are being phased out down the track there as well, and the China new economy will be completely gone there as well.\n\nWe are gonna keep the physical gold that has been performing well, but you're a bit overweighted there at the moment. So we just wanna sell some of the gains and submit those and then have that redistributed the compounding into your portfolio. We've also got the cybersecurity there. So you're a bit overweighted at the moment. We're gonna sell a little bit of that off to bring you back to 7%.\n\nIt's a bit of a rebalance there as well. The S and P 500, you've got about 34.10%, so we only really wanna hold about 25% in the portfolio. So we're gonna sell some of that off and just rebalance you back to 25%. The Van Ness property property has been a little bit of a dip, especially since the changes have come into play where it's been underperforming in your portfolio as well. So we're removing that completely.\n\nWe've also got the a beta shares Raffy two hundred. We found a much cheaper way to hold Australian equities, so we are removing this from the portfolio completely as well. What we're gonna be adding into sorry. The Raffy. My apologies.\n\nI'm looking at the wrong line. We're gonna get a whole 50%. We're keeping some of that in there. Sorry, Bianca. I'm looking at the wrong\n\nChannel 1: Yes, sir.\n\nChannel 0: line. We're gonna keep some of the raffy in there for you. We are kinda gonna get rid of just sell it off to rebalance a little bit back there for you, but we do wanna hold Australian equities, and we found a much cheaper way to hold more Australian equities. We're going to add in there the India Quality ETF. We wanna hold about 7% weighting in there.\n\nIndia is a rally a really good place to see growth. And then we've also seen the got the Global X Healthcare. This is Global Healthcare, so giving you exposure to health care across the globe, essentially. And then as I mentioned before, we're getting rid of the ban along Australian equities and rebalancing the Raffy back a little bit, but we're also gonna hold the a 200. So between the Australia 200 and the Raffy 200, we're giving you exposure to about a bit over 25% in Australian equities there.\n\nSo you do wanna hold as much as we can, but it's making sure that you've got a good weighting, and it's actually increasing your diversification into Australian equities as well whilst reducing the cost of the portfolio. So we'll buy into the a 200 there, and you'll hold about 10% of that and then 15% of the a 200 portfolio. Because you are realistically younger and can can sustain a little bit of more risk in the portfolio, I've also included the JPMorgan Global Research Enhanced Equity Fund. This here is more of an actively managed fund, so it utilizes JPMorgan's research team to look for areas of growth. It is a cheap fund to have, but it does give you a little bit of active management in there as well.\n\nAnd it's global, so it's well diversified, and it's not an\n\nChannel 1: Mhmm.\n\nChannel 0: expensive fund to hold as well. So we do wanna hold about 15% of that in your portfolio. We'll keep to monitor that moving forward. And if we find it's not performing the way we hoped it would, we'll look to swap it out. But this year, it has done really, really well, and JPMorgan's research team is one of the biggest in the globe.\n\nSo it is well worth having a little bit of exposure into that for you. And then we've also got the core composite bonds there. So we are removing the bank hybrids out of the portfolio. We still wanna hold some defensive assets. When you're in that high growth environment, we still wanna hold around about 10%.\n\nWe do hold roughly 10%, but we have a variance of about 5% in our portfolio. So we're only gonna only gonna hold 7% of this investment, making sure that we're still having defensive assets, but making sure that you do, you know, have a good quality of growth assets within your portfolio as well to obtain greater growth. This is in a high growth environment, so we'll keep monitoring it to make sure that it is working harder for you. If at any point any of these starts to underperform, we'll look to move them out nice and quick. But, essentially, once that switch has been made, you'll essentially see some physical gold, the cybersecurity.\n\nYou'll have access to the S and P 500 and Australian equities. We'll see some India exposures in health care and that JPMorgan Global retouched enhanced Equity Fund in there and then some defensive assets like bonds in there as well. So that's essentially the changes that we do wanna make to the portfolio. Do you have any questions about that?\n\nChannel 1: No. No. It don't\n\nChannel 0: No.\n\nChannel 1: make sense. Yep.\n\nChannel 0: Beautiful. Excellent. The next page, it does have your cash account there. So at the moment, within Hub twenty four, we only really need to hold about 1.25% cash. That's their minimum cash holding.\n\nWe you currently have about 1.80%. So we are gonna\n\nChannel 1: Yep.\n\nChannel 0: take about a thousand of that and reinvest it. Realistically, it costs you money to have money sitting in cash. So we we just wanna make sure as much of your portfolio is invested as absolutely possible and just hold the minimum cash balance there for you. That is essentially how we'll see the waiting. If you look at the next page down, it essentially shows you the proposed versus the current asset allocation.\n\nSo generally speaking, as I mentioned, in that high growth environment, you have that ninety ten split. With what we've proposed with the investments, you're gonna see about 93 in growth assets, so Australian and international equities property and alternative growth assets like gold, and then just about 7% in those fixed interest low risk investments like bonds. So that's essentially how we'll see that split changing. It is increasing your growth exposure from where you currently are. You're a little bit under that 92.60, and you have about 7.40% in defensive assets at the moment.\n\nSo it is increasing that exposure into growth assets a little bit and decreasing your defensive exposure, but we'll keep monitoring that. If you do find at any point that you're a bit unsure about being in that high growth portfolio or you are a bit concerned about the markets, please let me know. More than happy to talk you short and or reassess your risk profile at any point in time. One of the biggest things is it's fine to be in a high growth environment at your agent stage, but it's also gotta be to your comfort level as well. And we can always you know, if we start to reduce the risk, look at maybe increasing contributions down the track to kinda mitigate the the risk reduction as well.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Do you have any questions so far at all?\n\nChannel 1: No. No. It don't\n\nChannel 0: No?\n\nChannel 1: make sense.\n\nChannel 0: Easy. If you move down to page number 23, the next thing that we were looking at was the insurance side of things for you. So as I kinda went through the insurance side of things for you. So as I kinda went through the projection table above, we also talked about last time looking at adding some income protection. Initial the initial recommendation was we were gonna start by increasing your life and TPD, but we started this call to sort of hold back on the life and TPD, keep it at the same level that you do have.\n\nWith your\n\nChannel 1: Yep.\n\nChannel 0: life and total permanent disability, you currently have a sum insured of 863,258. You mentioned that you were comfortable with me just adding that income protection to show you what that would look like, and then you get to go back and decide whether you want the income protection or not.\n\nChannel 1: Yep.\n\nChannel 0: Based on your current income at a 165,000, It means we would be adding income protection to give you a monthly benefit of 9,625. We're looking at a thirty day waiting period, so you don't have to be off work for as long in order to claim on the policy. But last time we called up, you were happy just a two year benefit knowing what you do for work and mostly administration. You did kinda feel that was fairly appropriate. Do you still feel like that benefit period's fairly appropriate?\n\nHas anything changed in your mind with regard to that?\n\nChannel 1: Does that mean that's how long they pay your income for? Is that what that means?\n\nChannel 0: That's, yeah, that's how long you can\n\nChannel 1: Okay.\n\nChannel 0: be on an income protection claim for.\n\nChannel 1: Okay.\n\nChannel 0: Realistically, under sort of the way it works, most claims are dealt with within that two year period. As you can imagine, insurers don't really wanna be paying claims for a long period\n\nChannel 1: None.\n\nChannel 0: of time. So when and\n\nChannel 1: Yep.\n\nChannel 0: if you are off work, they're gonna be trying to find ways for you to get back to work. You can\n\nChannel 1: Yep.\n\nChannel 0: also have a five year benefit period. It does increase the cost of the cover, and you can have an age 65 benefit period as well. So if you did wanna look at those additional quotes, I'm happy to generate them for you. It's not a problem. It's just that when we spoke last time, you were okay with a two year benefit period to try and keep the cost lower.\n\nWe also talked about the\n\nChannel 1: Yes.\n\nChannel 0: risk of something happened being an admin worth out, same as me. We can realistically work from home as well. So the risk\n\nChannel 1: Yes.\n\nChannel 0: of, you know, something happening to us would have to be pretty drastic to be able to make that claim there. But has anything changed with regard to that? Do you sort of feel that that's fairly still appropriate? Or\n\nChannel 1: No. No. That's yeah.\n\nChannel 0: that's just\n\nChannel 1: That's\n\nChannel 0: yeah.\n\nChannel 1: fine.\n\nChannel 0: That\n\nChannel 1: Yeah.\n\nChannel 0: that's okay. All good. At the moment, the total premium paid out of Super four year policy, you paid $431.83 for the year by adding the income protection. And we're adding it with MetLife because we're attaching it to your current life and TPD policy, which means that we do get a discount. We get a multi policy discount for linking them.\n\nAnd it essentially\n\nChannel 1: Mhmm.\n\nChannel 0: means that it would increase your total premium to $1,467.24. That is the amount that's taken out of super for that for the year. You the insurer actually receives the $1,726.17. But because of the way taxation is in super, you get a rebate or a bit of a discount for the premium when it is taken out of the super system. So you actually pay a little bit less to that, 15% less for the premium than what the insurer receives, which is great.\n\nIt would be great if we got those kinds of discounts all the time. Unfortunately, it's just the super.\n\nChannel 1: Yep. So\n\nChannel 0: So that's just, Yeah. Sure.\n\nChannel 1: monthly benefit. So currently, my premium, which is just the PPD\n\nChannel 0: Mhmm. A lice NTBD.\n\nChannel 1: am I saying sorry. Life and PPD\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: is $5.00 8 a year. Is that what we're saying?\n\nChannel 0: That's how, yeah, that's how much the insurer has received. The amount that's come out of super is the $4.31. You get a 15\n\nChannel 1: Okay.\n\nChannel 0: percent discount on that. So you pay a little bit less for the premium. And then\n\nChannel 1: And then\n\nChannel 0: if you\n\nChannel 1: the\n\nChannel 0: yep.\n\nChannel 1: life sorry. The the income\n\nChannel 0: Yep.\n\nChannel 1: insurance\n\nChannel 0: Yep.\n\nChannel 1: is the 1,160\n\nChannel 0: Yep.\n\nChannel 1: as stand\n\nChannel 0: Yep.\n\nChannel 1: alone. And then, obviously, just adding them together to get to the one\n\nChannel 0: Correct.\n\nChannel 1: 467.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah. Okay. So what that's\n\nChannel 0: Yeah.\n\nChannel 1: 1,100 across the year. I'll have\n\nChannel 0: Yeah.\n\nChannel 1: a think and see what I\n\nChannel 0: Yeah.\n\nChannel 1: do with yeah.\n\nChannel 0: Absolutely. In the appendices that we have attached, as I mentioned last time, I also added the alternative projection to show, obviously, the projected outcome if you decide not to take the income protection side of things, because one of the things we talked about was whether you felt like you needed income protection at the time.\n\nChannel 1: Yeah.\n\nChannel 0: With the with the ten year projection, obviously, it shows in the SOA there on page 18 that over the next ten years, given the current projection table, you could end up with $3.71 in five years' time or 623,000 in ten years' time. With not taking the income protection, if you decide you don't need that anymore, then, obviously, the projection is increased by a difference of about 14,398. So over the course of ten years, we're still moving into the newer portfolio and making the other changes but not taking income protection. The ten year premium projection means you could end up with about 637,000. So it's a little over $14,000 difference in the ten year projected outcome, but it also comes down to your comfort level as well.\n\nSo you're welcome to\n\nChannel 1: Yes.\n\nChannel 0: run your eyes over that. Have a think about what your goals are and what your level what your comfort level is. And if you decide you don't want the income protection, that's absolutely fine. On the very last page, we've got that little multiline text box for you. You can just make a note in there that outlines what you are not wanting to take on board as part of the recommendations.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Essentially, keeping it with MetLife is appropriate because, obviously, you get a bit of a discount when you link all the policies together. MetLife also has some additional other benefits there, so I'm not really sure if you're aware. But as you still you do have life and TBD with MetLife. You do have access to the MetLife three sixty health.\n\nThat's at no additional cost to yourself, and it provides virtual access to a range of health and well-being services to you and your family members. These include things like mental health support, expert medical opinions, nutrition, fitness, and mobility, and recovery. If you have a look in the PDF that I have attached there for you, it outlines a bit more about the MetLife three sixty health platform and what that can help you with. And because you've got that life and TPD with MetLife, even if you don't take the income protection side of things, you still got access to that benefit. So have a look in the PDF there as to what kind of benefits that they offer.\n\nYou might be able to get some, you know, free nutritional fitness mobility, you know, clinical support from doctors and things like that as well. Okay? Yeah. Excellent. If you scroll down a little bit further for me just to, sorry, page number 30, this is essentially going through the next part of the recommendations with the insurances.\n\nSo the other side of it was looking at trauma\n\nChannel 1: Mhmm.\n\nChannel 0: for yourself and then child trauma for the two kids,\n\nChannel 1: Yep.\n\nChannel 0: looking at around about a 120,000 of trauma for yourself paid out of pocket, and then making sure that the kids had a 100,000 of child trauma age as well to make sure that they were covered. I did review the last recommendation with the newer policies. I'm still recommending Clearview for that solely because Clearview is still a really good policy provider. MetLife don't offer child trauma policies. They have, like, an optional extras policy, but it's not child trauma as such.\n\nSo we did have to look elsewhere to make sure that you could have those set policies. For Oliver and Parker, we're looking at the same as last time. I am also recommending that we add a little bit of life cover to the trauma policy. Essentially, it does work out a lot cheaper to link the policies together. You get that multi policy discount side of things.\n\nSo by linking the trauma and the the life together, it essentially shows the monthly premium expected is $28.71 there. If we just looked at the trauma policy and the child trauma on its own without the additional sorry. I'm just gonna add these two together because it's $17.26 and $28.71 to include all the policies. So for the child trauma policies and the life and trauma for yourself, the two policies added together, it's $45.97. If we did not link the life policy to that, the out of pocket premium for your adult cover plus the child trauma policies was about $54.43.\n\nSo it worked out cheaper to link a little bit of life cover to it. But then, also,\n\nChannel 1: Mhmm.\n\nChannel 0: one of the benefits to having that life cover outside of SUFA is you do get that funeral benefit as well. So if in the event that you were to pass away with just having that life cover held inside super, there's no upfront kind of immediate expenses for funeral costs that can be paid out. Your family has to go through the claims process to have the money released, Whereas having this little\n\nChannel 1: Yes.\n\nChannel 0: bit of insurance or life cover outside of super means that once the the death certificate is provided, your family or your executor of your will can go and claim, or the beneficiary, you know, whoever you sort of nominated can go and claim that 25,000 from Clearview as an upfront cost to cover your to your funeral, sorry, and any immediate expenses that are sort of brought up as due to the your passing or related to the kids around those sorts of areas. So it does provide you with that benefit that you don't get with having that life cover inside super, but it's also making the total policies cheaper between the three of them by giving you that multi policy discount there as well. Again, this is sort of showing you how it works. In the appendices, I've also got a breakdown of just stand alone trauma policy with the child trauma there just so you can see the difference and you get to decide what's more comfortable for you. Okay?\n\nChannel 1: Cool.\n\nChannel 0: Excellent. That is essentially most of the recommendations around it around that we've made. You've got the advantages, disadvantages, the risks involved. I've also noted the best interest, Judy, and linked all of this back to your goals as well. So you're welcome to have a bit of a read through.\n\nThe only other\n\nChannel 1: And\n\nChannel 0: thing to kinda\n\nChannel 1: sorry, Dana?\n\nChannel 0: yes. Yeah. Sure.\n\nChannel 1: With the children, is it\n\nChannel 0: Yes.\n\nChannel 1: per child, or is it both\n\nChannel 0: It\n\nChannel 1: a nominator\n\nChannel 0: is.\n\nChannel 1: on it?\n\nChannel 0: No. No. It's a 100,000 per child.\n\nChannel 1: Yeah. Okay. So the 17 covers both, or I it's 17 times two. No?\n\nChannel 0: Yeah. No. It's it's 17 covers both. It's a monthly premium\n\nChannel 1: Okay.\n\nChannel 0: for the two child trauma policies. Yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Sorry.\n\nChannel 0: Yeah.\n\nChannel 1: Keep going.\n\nChannel 0: Nice. No. You're absolutely fine. It's absolutely fine. It just it's the way Cleave you kinda notice it, but it is just a $17.26 per month for that one.\n\nAnd then the same as last time, like, with these policies, the best thing about them is that you're making or setting them up while they're young. So when they do turn 21, the policies revert to adult life policies, and they've had these policies in place. So any additional there's no additional underwriting for the transfer of these policies to their name when they're older, which is kind of cool. It just sort of protects them in the event that something happens. And it also pays out a lump sum benefit of the funds if they pass away as well.\n\nSo child trauma pays out in the event of a major traumatic condition, but if they pass away, you can also claim on that policy as well. So it kinda gives you a little bit of extra cover\n\nChannel 1: Okay.\n\nChannel 0: for a very small out of pocket cost, essentially.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yeah. All good. The other side of that is just the beneficiary side. So we did make that we did talk about how you wanted in the event of passing, essentially, the funds to be paid directly to your two kids. I've updated the beneficiary recommendations to the legal personal representative on your super, the MetLife life policy, and also the new recommended Clearview life policy as well, which essentially means that in the event that you were to pass away, all of the having this updated means that all of the super and life insurance proceeds are directed through your will.\n\nAnd then it's just really important that your will is done up, and that is stipulated in the body of the will, how you would like those funds to be paid so they are paid to your kids. One of the biggest things is because they are so young, the funds are not paid directly to the minor children. They're paid to their guardian. So having it directed through your will means that you can have, you know, trust set up. You can have stipulations made on who the money goes to, whether you want, you know, more than one person to be the guardian of the funds and pay the funds out in certain ways, income streams as they get older, or if you wanna pay to a certain adult to make sure the kids do receive the funds and can, you know, cover school costs, the university costs, and things like that as well.\n\nSo it does give you a lot more clarity and control over how you want those funds to be paid. So I did update that recommendation to reflect to make sure that any any of your life and super proceeds are paid direct to your will. And then it's just important to have a solicitor review your will, power of attorney, and probably guardianship documents as well just to make sure that everything is set as per your wishes. And that's something we've definitely talked about in the past where, you know, you're like me, our kids are everything, and we just wanna make sure that they are looked after and protected. And you work well and truly way too hard to have that money wasted away and not directed\n\nChannel 1: Yes.\n\nChannel 0: to\n\nChannel 1: Center.\n\nChannel 0: where you want it to be, essentially. Yeah. Especially after the day, it seems like you've had.\n\nChannel 1: Oh my goodness. I know.\n\nChannel 0: No. It's all good. Look. A lot of this is very much the same as what I recommended last time. I did go back and review everything to make sure it was on par.\n\nChannel 1: Mhmm.\n\nChannel 0: MetLife, with the income protection linking, it did definitely cost a lot less than, say, having it done through ClearView. And MetLife are a really good provider of insurances. So feel free to run your eyes over that. Have a read through the advantages, the disadvantages, and, obviously, the best interest duty. If you find you have any questions, you're welcome to let me know by phone call or email.\n\nI'll happily answer anything that you have. On the very last page there, we do have the text box, the multiline text box that outlines essentially, if there's any part of the recommendations that you're choosing not to take on board to absolutely make a note in there, and we review that\n\nChannel 1: Okay.\n\nChannel 0: for you as part of it. And I've also got depending on how much reading you enjoy doing, I've got the MetLife PDF for you, the HUB24 PDF, and the Clearview PDF as well. So you're welcome to, you know, run your eyes over that, have a look at the different conditions that I covered, have a look at the different, you know, exclusions and policy information around each of the different policies to sort of get your head around it. And feel free to come\n\nChannel 1: Yep.\n\nChannel 0: back and let me know if there's any additional questions there.\n\nChannel 1: Sounds good.\n\nChannel 0: Okay? Excellent. I try to keep it not too crazy because it's a lot to kinda go through when you're sort of looking at the documents. So I like to just make sure that you get the information that you need, and then you get to take it back and have a bit of a read of it, have a a glass of wine or a nice hot coffee or whatever your poison might be,\n\nChannel 1: Yes.\n\nChannel 0: and just sort of sit back and have a really good read of the document. I do also just have to let you know before we sort of end the phone call that we do receive remuneration from the insurers for recommending and writing these insurance policies. It is really important to note that that has no effect on my recommendations in any way, shape, or form. We provide advice under the best interest duty, which is part of the corporations act. So any advice is there to meet your goals and be in your best interest.\n\nUnder the legislation with regard to remuneration, we do receive 56% of the first year's premium and then 22% there ongoing, but we have a duty to disclose that to you. That is noted in the advice document on page 44 as well and 45 so you can see how much we are expected to receive based on that. But we will review things, and if you decide you don't wish to take on any of that, that's absolutely fine. We're just disclosing everything to make sure that we're open and honest with you in regard to it. Okay?\n\nChannel 1: Yeah. Perfect. That makes sense.\n\nChannel 0: Excellent. Fantastic.\n\nChannel 1: Okay. I'll\n\nChannel 0: If\n\nChannel 1: go\n\nChannel 0: you\n\nChannel 1: through\n\nChannel 0: just\n\nChannel 1: I'm a bit of a printer.\n\nChannel 0: yeah.\n\nChannel 1: I'll think\n\nChannel 0: Yeah.\n\nChannel 1: that it\n\nChannel 0: You're\n\nChannel 1: worked\n\nChannel 0: fine.\n\nChannel 1: tomorrow and go through\n\nChannel 0: You like\n\nChannel 1: and\n\nChannel 0: a hug?\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I like\n\nChannel 0: Absolutely.\n\nChannel 1: a hard copy. And then,\n\nChannel 0: Not\n\nChannel 1: yeah,\n\nChannel 0: a\n\nChannel 1: I'll\n\nChannel 0: problem.\n\nChannel 1: come back to you with that.\n\nChannel 0: Yeah. Excellent. No problem at all. That's basically everything. I hope you have a lovely afternoon, and, yeah, just come back\n\nChannel 1: Thank\n\nChannel 0: if there's\n\nChannel 1: you.\n\nChannel 0: any questions at all. Easy.\n\nChannel 1: Okay. Thanks, Dana.\n\nChannel 0: My pleasure. Thank you for your time this afternoon. I hope you have a good afternoon.\n\nChannel 1: Thank you. You too. Bye.\n\nChannel 0: Thanks, Bianca. See you later.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Bianca.","start":1.92,"end":2.56,"sentiment":"neutral","sentiment_score":0.2298252433538437},{"text":"This is Dana.","start":2.56,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.19487378497918448},{"text":"How are you this afternoon?","start":3.1999998,"end":4.34,"sentiment":"neutral","sentiment_score":0.33327051997184753}],"sentiment":"neutral","sentiment_score":0.27106244415044783,"channel":0,"num_words":10,"start":1.92,"end":4.34},{"sentences":[{"text":"I'm good.","start":5.04,"end":5.6,"sentiment":"positive","sentiment_score":0.582876592874527},{"text":"How are you?","start":5.6,"end":6.42,"sentiment":"positive","sentiment_score":0.43214468161265057}],"sentiment":"positive","sentiment_score":0.49243744611740115,"channel":1,"num_words":5,"start":5.04,"end":6.42},{"sentences":[{"text":"I'm very well.","start":6.64,"end":7.68,"sentiment":"positive","sentiment_score":0.6419903834660848},{"text":"Thank you.","start":7.68,"end":8.0,"sentiment":"positive","sentiment_score":0.7067631483078003},{"text":"How's your day been so far?","start":8.0,"end":9.7,"sentiment":"positive","sentiment_score":0.374493474761645}],"sentiment":"positive","sentiment_score":0.5078598450530659,"channel":0,"num_words":11,"start":6.64,"end":9.7},{"sentences":[{"text":"Yeah.","start":11.12,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.2489306777715683},{"text":"Yeah.","start":11.5199995,"end":11.759999,"sentiment":"neutral","sentiment_score":0.33143213391304016},{"text":"Good.","start":11.759999,"end":12.08,"sentiment":"positive","sentiment_score":0.5472754240036011},{"text":"I just had a staff member storm out of a performance improvement meeting at work, so that was fun.","start":12.08,"end":16.785,"sentiment":"positive","sentiment_score":0.3376223656692003}],"sentiment":"positive","sentiment_score":0.34283923560922797,"channel":1,"num_words":22,"start":11.12,"end":16.785},{"sentences":[{"text":"Oh, no.","start":16.904999,"end":17.805,"sentiment":"neutral","sentiment_score":-0.05704500526189804},{"text":"Wow.","start":18.265,"end":18.765,"sentiment":"neutral","sentiment_score":-0.016151120886206627}],"sentiment":"neutral","sentiment_score":-0.0434137104700009,"channel":0,"num_words":3,"start":16.904999,"end":18.765},{"sentences":[{"text":"Well, I wasn't actually I had to leave half day for this, and I had an appointment.","start":18.445,"end":22.465,"sentiment":"neutral","sentiment_score":-0.1127387285232544},{"text":"And","start":22.605,"end":23.105,"sentiment":"neutral","sentiment_score":-0.07441343367099762}],"sentiment":"neutral","sentiment_score":-0.11060954547590679,"channel":1,"num_words":18,"start":18.445,"end":23.105},{"sentences":[{"text":"Yes.","start":23.145,"end":23.645,"sentiment":"neutral","sentiment_score":-0.0625758022069931}],"sentiment":"neutral","sentiment_score":-0.0625758022069931,"channel":0,"num_words":1,"start":23.145,"end":23.645},{"sentences":[{"text":"so my my wife was buzzing in the appointment, and then I've got a text message that says, you know, said staff member has stormed out and","start":23.645,"end":32.440002,"sentiment":"neutral","sentiment_score":-0.17990775709902798}],"sentiment":"neutral","sentiment_score":-0.17990775709902798,"channel":1,"num_words":27,"start":23.645,"end":32.440002},{"sentences":[{"text":"Oh,","start":32.28,"end":32.78,"sentiment":"neutral","sentiment_score":-0.29525092244148254}],"sentiment":"neutral","sentiment_score":-0.29525092244148254,"channel":0,"num_words":1,"start":32.28,"end":32.78},{"sentences":[{"text":"verbally","start":32.440002,"end":32.920002,"sentiment":"negative","sentiment_score":-0.44650012254714966}],"sentiment":"negative","sentiment_score":-0.44650012254714966,"channel":1,"num_words":1,"start":32.440002,"end":32.920002},{"sentences":[{"text":"no.","start":32.84,"end":33.34,"sentiment":"negative","sentiment_score":-0.3786315321922302}],"sentiment":"negative","sentiment_score":-0.3786315321922302,"channel":0,"num_words":1,"start":32.84,"end":33.34},{"sentences":[{"text":"resigned.","start":32.920002,"end":33.420002,"sentiment":"negative","sentiment_score":-0.35827016830444336},{"text":"Oh, well.","start":33.64,"end":34.2,"sentiment":"neutral","sentiment_score":-0.04242011159658432},{"text":"See you.","start":34.2,"end":34.940002,"sentiment":"neutral","sentiment_score":-0.017796949483454227}],"sentiment":"neutral","sentiment_score":-0.09574085809290409,"channel":1,"num_words":5,"start":32.920002,"end":34.940002},{"sentences":[{"text":"Oh, oh, no.","start":34.6,"end":36.46,"sentiment":"neutral","sentiment_score":-0.0829172171652317},{"text":"What","start":37.32,"end":37.64,"sentiment":"neutral","sentiment_score":-0.21564772725105288}],"sentiment":"neutral","sentiment_score":-0.11609984468668699,"channel":0,"num_words":4,"start":34.6,"end":37.64},{"sentences":[{"text":"I","start":37.64,"end":37.88,"sentiment":"neutral","sentiment_score":-0.1638343185186386}],"sentiment":"neutral","sentiment_score":-0.1638343185186386,"channel":1,"num_words":1,"start":37.64,"end":37.88},{"sentences":[{"text":"a day.","start":37.64,"end":38.28,"sentiment":"neutral","sentiment_score":-0.19733063876628876}],"sentiment":"neutral","sentiment_score":-0.19733063876628876,"channel":0,"num_words":2,"start":37.64,"end":38.28},{"sentences":[{"text":"don't","start":37.88,"end":38.38,"sentiment":"neutral","sentiment_score":-0.14645318686962128}],"sentiment":"neutral","sentiment_score":-0.14645318686962128,"channel":1,"num_words":1,"start":37.88,"end":38.38},{"sentences":[{"text":"Goodness","start":38.28,"end":38.78,"sentiment":"neutral","sentiment_score":-0.09975185245275496}],"sentiment":"neutral","sentiment_score":-0.09975185245275496,"channel":0,"num_words":1,"start":38.28,"end":38.78},{"sentences":[{"text":"know.","start":38.6,"end":38.92,"sentiment":"neutral","sentiment_score":-0.09415411949157716}],"sentiment":"neutral","sentiment_score":-0.09415411949157716,"channel":1,"num_words":1,"start":38.6,"end":38.92},{"sentences":[{"text":"me.","start":38.84,"end":39.34,"sentiment":"neutral","sentiment_score":-0.091533362865448}],"sentiment":"neutral","sentiment_score":-0.091533362865448,"channel":0,"num_words":1,"start":38.84,"end":39.34},{"sentences":[{"text":"I don't know if you have directives, like, people answering to you.","start":38.92,"end":42.120003,"sentiment":"neutral","sentiment_score":-0.12856394983828068},{"text":"You probably do.","start":42.120003,"end":43.215,"sentiment":"neutral","sentiment_score":-0.1058620736002922}],"sentiment":"neutral","sentiment_score":-0.12402357459068299,"channel":1,"num_words":15,"start":38.92,"end":43.215},{"sentences":[{"text":"Yeah.","start":42.945,"end":43.445,"sentiment":"neutral","sentiment_score":-0.06628359854221344}],"sentiment":"neutral","sentiment_score":-0.06628359854221344,"channel":0,"num_words":1,"start":42.945,"end":43.445},{"sentences":[{"text":"But","start":43.375,"end":43.615,"sentiment":"neutral","sentiment_score":-0.06416032463312149}],"sentiment":"neutral","sentiment_score":-0.06416032463312149,"channel":1,"num_words":1,"start":43.375,"end":43.615},{"sentences":[{"text":"Yeah.","start":43.585,"end":44.085,"sentiment":"neutral","sentiment_score":-0.08049315959215164}],"sentiment":"neutral","sentiment_score":-0.08049315959215164,"channel":0,"num_words":1,"start":43.585,"end":44.085},{"sentences":[{"text":"is the worst part about running businesses?","start":43.615,"end":45.795,"sentiment":"neutral","sentiment_score":-0.1626134067773819}],"sentiment":"neutral","sentiment_score":-0.1626134067773819,"channel":1,"num_words":7,"start":43.615,"end":45.795},{"sentences":[{"text":"Yes.","start":46.785,"end":47.285,"sentiment":"neutral","sentiment_score":-0.05552223324775696},{"text":"Yes.","start":47.505,"end":48.005,"sentiment":"neutral","sentiment_score":0.0027215220034122467},{"text":"Absolutely.","start":48.145,"end":48.645,"sentiment":"neutral","sentiment_score":0.04559719190001488},{"text":"That's kind of why I like to send the adviser and not having any senior management roles or anything like that.","start":48.865,"end":54.785,"sentiment":"neutral","sentiment_score":-0.06061674814139094},{"text":"I'm happy for someone else to do all of that aspect, and I just","start":54.785,"end":58.440002,"sentiment":"neutral","sentiment_score":0.08736859820783138}],"sentiment":"neutral","sentiment_score":-0.001499864615892109,"channel":0,"num_words":38,"start":46.785,"end":58.440002},{"sentences":[{"text":"It's","start":58.38,"end":58.780003,"sentiment":"neutral","sentiment_score":0.04192433878779411}],"sentiment":"neutral","sentiment_score":0.04192433878779411,"channel":1,"num_words":1,"start":58.38,"end":58.780003},{"sentences":[{"text":"talk to","start":58.440002,"end":58.84,"sentiment":"neutral","sentiment_score":0.08814556524157524}],"sentiment":"neutral","sentiment_score":0.08814556524157524,"channel":0,"num_words":2,"start":58.440002,"end":58.84},{"sentences":[{"text":"so","start":58.780003,"end":59.280003,"sentiment":"neutral","sentiment_score":0.05699099600315094}],"sentiment":"neutral","sentiment_score":0.05699099600315094,"channel":1,"num_words":1,"start":58.780003,"end":59.280003},{"sentences":[{"text":"clients and do advice and yeah.","start":58.84,"end":60.940002,"sentiment":"neutral","sentiment_score":0.04265886793533961},{"text":"No.","start":61.32,"end":61.82,"sentiment":"neutral","sentiment_score":-0.26259660720825195},{"text":"Absolutely.","start":62.440002,"end":62.940002,"sentiment":"negative","sentiment_score":-0.3661807179450989}],"sentiment":"neutral","sentiment_score":-0.046603014692664146,"channel":0,"num_words":8,"start":58.84,"end":62.940002},{"sentences":[{"text":"painful.","start":62.620003,"end":63.120003,"sentiment":"neutral","sentiment_score":-0.32188287377357483}],"sentiment":"neutral","sentiment_score":-0.32188287377357483,"channel":1,"num_words":1,"start":62.620003,"end":63.120003},{"sentences":[{"text":"Well, hopefully, your afternoon gets a little bit better.","start":63.72,"end":66.36,"sentiment":"neutral","sentiment_score":-0.026001537011729345},{"text":"I do have your advice document ready to go if you're comfortable going through that now with me.","start":66.36,"end":71.274994,"sentiment":"neutral","sentiment_score":0.12721182592213154}],"sentiment":"neutral","sentiment_score":0.0761407049441779,"channel":0,"num_words":27,"start":63.72,"end":71.274994},{"sentences":[{"text":"Yep.","start":72.06,"end":72.405,"sentiment":"neutral","sentiment_score":0.07741855829954147},{"text":"I'm just gonna open it.","start":72.485,"end":73.305,"sentiment":"neutral","sentiment_score":0.05938263386487961}],"sentiment":"neutral","sentiment_score":0.062388621270656586,"channel":1,"num_words":6,"start":72.06,"end":73.305},{"sentences":[{"text":"That's fair.","start":73.09499,"end":73.835,"sentiment":"neutral","sentiment_score":0.09093008562922478}],"sentiment":"neutral","sentiment_score":0.09093008562922478,"channel":0,"num_words":2,"start":73.09499,"end":73.835},{"sentences":[{"text":"One second.","start":73.845,"end":74.505,"sentiment":"neutral","sentiment_score":0.03674200922250748}],"sentiment":"neutral","sentiment_score":0.03674200922250748,"channel":1,"num_words":2,"start":73.845,"end":74.505},{"sentences":[{"text":"Yeah.","start":74.454994,"end":74.695,"sentiment":"neutral","sentiment_score":0.0870082676410675},{"text":"You're right.","start":74.695,"end":75.335,"sentiment":"neutral","sentiment_score":0.1453545019030571},{"text":"Not a problem at all.","start":75.335,"end":76.715,"sentiment":"neutral","sentiment_score":0.2787344604730606},{"text":"Beautiful.","start":79.255,"end":79.74,"sentiment":"positive","sentiment_score":0.4899474084377289},{"text":"Is that working for you?","start":91.259995,"end":92.799995,"sentiment":"neutral","sentiment_score":0.1921890765428543}],"sentiment":"neutral","sentiment_score":0.2301630260688918,"channel":0,"num_words":14,"start":74.454994,"end":92.799995},{"sentences":[{"text":"Sorry.","start":93.1,"end":93.42,"sentiment":"neutral","sentiment_score":-0.04365716874599457},{"text":"I actually didn't have my laptop on.","start":93.42,"end":95.18,"sentiment":"neutral","sentiment_score":-0.0822800834264074},{"text":"I'm just","start":95.18,"end":95.759995,"sentiment":"neutral","sentiment_score":-0.0474112369120121}],"sentiment":"neutral","sentiment_score":-0.07144402265548706,"channel":1,"num_words":10,"start":93.1,"end":95.759995},{"sentences":[{"text":"Oh, that's okay.","start":95.615,"end":96.494995,"sentiment":"neutral","sentiment_score":0.05800710245966911},{"text":"You're absolutely","start":96.494995,"end":97.314995,"sentiment":"neutral","sentiment_score":0.2597581297159195}],"sentiment":"neutral","sentiment_score":0.13870751336216927,"channel":0,"num_words":5,"start":95.615,"end":97.314995},{"sentences":[{"text":"and that's","start":97.02,"end":97.579994,"sentiment":"neutral","sentiment_score":0.2409556657075882}],"sentiment":"neutral","sentiment_score":0.2409556657075882,"channel":1,"num_words":2,"start":97.02,"end":97.579994},{"sentences":[{"text":"fine.","start":97.454994,"end":97.954994,"sentiment":"neutral","sentiment_score":0.1295208036899567}],"sentiment":"neutral","sentiment_score":0.1295208036899567,"channel":0,"num_words":1,"start":97.454994,"end":97.954994},{"sentences":[{"text":"why I was","start":97.579994,"end":98.78,"sentiment":"neutral","sentiment_score":0.012447871267795563}],"sentiment":"neutral","sentiment_score":0.012447871267795563,"channel":1,"num_words":3,"start":97.579994,"end":98.78},{"sentences":[{"text":"You're","start":98.735,"end":99.055,"sentiment":"neutral","sentiment_score":0.03335568308830261}],"sentiment":"neutral","sentiment_score":0.03335568308830261,"channel":0,"num_words":1,"start":98.735,"end":99.055},{"sentences":[{"text":"on that","start":98.78,"end":99.1,"sentiment":"neutral","sentiment_score":0.03630172833800316}],"sentiment":"neutral","sentiment_score":0.03630172833800316,"channel":1,"num_words":2,"start":98.78,"end":99.1},{"sentences":[{"text":"fine.","start":99.055,"end":99.555,"sentiment":"neutral","sentiment_score":0.039277978241443634}],"sentiment":"neutral","sentiment_score":0.039277978241443634,"channel":0,"num_words":1,"start":99.055,"end":99.555},{"sentences":[{"text":"call, and I'm like, guys, I need to go.","start":99.1,"end":101.1,"sentiment":"neutral","sentiment_score":-0.06322045500079791},{"text":"I have to go to this call.","start":101.1,"end":103.36,"sentiment":"neutral","sentiment_score":-0.04464557660477502}],"sentiment":"neutral","sentiment_score":-0.055093945702537894,"channel":1,"num_words":16,"start":99.1,"end":103.36},{"sentences":[{"text":"Yeah.","start":103.774994,"end":104.015,"sentiment":"neutral","sentiment_score":0.09801842272281648},{"text":"You're right.","start":104.015,"end":104.655,"sentiment":"neutral","sentiment_score":0.18594790995121002},{"text":"Not a worry at all.","start":104.655,"end":105.534996,"sentiment":"neutral","sentiment_score":0.11234999373555184},{"text":"I was almost I was in the process of sending you a message just to let you know it was me because I was like, oh, you're probably busy in a meeting or you're screening the call, so I'll quickly text you after I left the message to make it easier.","start":105.534996,"end":116.44,"sentiment":"neutral","sentiment_score":-0.04392271967349099}],"sentiment":"neutral","sentiment_score":-0.02048126257703466,"channel":0,"num_words":59,"start":103.774994,"end":116.44},{"sentences":[{"text":"Sorry.","start":119.54,"end":120.04,"sentiment":"neutral","sentiment_score":-0.1048758402466774},{"text":"And I was that call, although, to update you.","start":122.659996,"end":125.46,"sentiment":"neutral","sentiment_score":-0.06712466188602978},{"text":"Can you hear me, Dana?","start":125.46,"end":126.84,"sentiment":"neutral","sentiment_score":-0.021964984945952892},{"text":"Yes.","start":127.46,"end":127.96,"sentiment":"neutral","sentiment_score":0.028141824528574944}],"sentiment":"neutral","sentiment_score":-0.04941755608888343,"channel":1,"num_words":16,"start":119.54,"end":127.96},{"sentences":[{"text":"Yeah.","start":127.795,"end":128.035,"sentiment":"neutral","sentiment_score":0.06294285506010056},{"text":"I can.","start":128.035,"end":128.435,"sentiment":"neutral","sentiment_score":0.07835186645388603},{"text":"Yeah.","start":128.435,"end":128.675,"sentiment":"neutral","sentiment_score":0.06181406229734421},{"text":"Yep.","start":128.675,"end":128.995,"sentiment":"neutral","sentiment_score":0.06419602781534195}],"sentiment":"neutral","sentiment_score":0.06913133561611176,"channel":0,"num_words":5,"start":127.795,"end":128.995},{"sentences":[{"text":"Yes.","start":128.81999,"end":129.31999,"sentiment":"neutral","sentiment_score":0.05544969439506531}],"sentiment":"neutral","sentiment_score":0.05544969439506531,"channel":1,"num_words":1,"start":128.81999,"end":129.31999},{"sentences":[{"text":"You can hear me okay?","start":128.995,"end":130.135,"sentiment":"neutral","sentiment_score":0.017405619472265245}],"sentiment":"neutral","sentiment_score":0.017405619472265245,"channel":0,"num_words":5,"start":128.995,"end":130.135},{"sentences":[{"text":"He just turned back up after an hour and a half for the tantrum.","start":130.66,"end":133.64,"sentiment":"neutral","sentiment_score":-0.18836167561156408},{"text":"Oh, Oh, my god.","start":134.905,"end":138.60501,"sentiment":"neutral","sentiment_score":-0.06714151008054614},{"text":"I have a great HR manager and an ops manager, so they're dealing with it.","start":139.82501,"end":144.905,"sentiment":"neutral","sentiment_score":0.10729904373486837},{"text":"But sometimes, you know, the bucket has to stop with you.","start":144.905,"end":147.30501,"sentiment":"neutral","sentiment_score":-0.08608313141898676},{"text":"So","start":147.30501,"end":147.80501,"sentiment":"neutral","sentiment_score":0.024014241993427277}],"sentiment":"neutral","sentiment_score":-0.04931208992169963,"channel":1,"num_words":45,"start":130.66,"end":147.80501},{"sentences":[{"text":"Yeah.","start":148.03,"end":148.53,"sentiment":"neutral","sentiment_score":0.05088061839342117}],"sentiment":"neutral","sentiment_score":0.05088061839342117,"channel":0,"num_words":1,"start":148.03,"end":148.53},{"sentences":[{"text":"okay.","start":148.44,"end":148.92001,"sentiment":"neutral","sentiment_score":0.08495782315731049},{"text":"Just deal with it.","start":148.92001,"end":149.8,"sentiment":"neutral","sentiment_score":0.0445801205933094},{"text":"If he's ropable, I can come back to site.","start":149.8,"end":151.98001,"sentiment":"neutral","sentiment_score":0.04506371832556195}],"sentiment":"neutral","sentiment_score":0.04777512646147183,"channel":1,"num_words":14,"start":148.44,"end":151.98001},{"sentences":[{"text":"Absolutely.","start":152.375,"end":152.875,"sentiment":"neutral","sentiment_score":0.18575558066368103},{"text":"Yeah.","start":153.815,"end":154.315,"sentiment":"neutral","sentiment_score":0.08554694056510925}],"sentiment":"neutral","sentiment_score":0.13565126061439514,"channel":0,"num_words":2,"start":152.375,"end":154.315},{"sentences":[{"text":"Anyway not during your job.","start":154.28,"end":157.32,"sentiment":"neutral","sentiment_score":0.023303063213825227},{"text":"It's actually your workplace as well.","start":157.32,"end":159.08,"sentiment":"neutral","sentiment_score":0.07867836207151413},{"text":"You manage","start":159.08,"end":159.72,"sentiment":"neutral","sentiment_score":0.02118397317826748}],"sentiment":"neutral","sentiment_score":0.04853487960421122,"channel":1,"num_words":13,"start":154.28,"end":159.72},{"sentences":[{"text":"Oh,","start":161.01,"end":161.51,"sentiment":"neutral","sentiment_score":0.039476390928030014}],"sentiment":"neutral","sentiment_score":0.039476390928030014,"channel":0,"num_words":1,"start":161.01,"end":161.51},{"sentences":[{"text":"Okay.","start":162.285,"end":162.785,"sentiment":"neutral","sentiment_score":0.05364206060767174}],"sentiment":"neutral","sentiment_score":0.05364206060767174,"channel":1,"num_words":1,"start":162.285,"end":162.785},{"sentences":[{"text":"wow.","start":162.68999,"end":163.18999,"sentiment":"neutral","sentiment_score":0.12063555419445038}],"sentiment":"neutral","sentiment_score":0.12063555419445038,"channel":0,"num_words":1,"start":162.68999,"end":163.18999},{"sentences":[{"text":"I'm on email.","start":163.485,"end":164.545,"sentiment":"neutral","sentiment_score":0.042964174101750054}],"sentiment":"neutral","sentiment_score":0.042964174101750054,"channel":1,"num_words":3,"start":163.485,"end":164.545},{"sentences":[{"text":"Yep.","start":165.73,"end":166.23,"sentiment":"neutral","sentiment_score":0.07099459320306778},{"text":"So it should've come through from OdooSign or from my email.","start":169.97,"end":173.34999,"sentiment":"neutral","sentiment_score":0.06531762839718298}],"sentiment":"neutral","sentiment_score":0.06579070879767339,"channel":0,"num_words":12,"start":165.73,"end":173.34999},{"sentences":[{"text":"Yes.","start":174.44499,"end":174.765,"sentiment":"neutral","sentiment_score":0.04986726492643356},{"text":"Signature request.","start":174.765,"end":175.8,"sentiment":"neutral","sentiment_score":0.04796094261109829}],"sentiment":"neutral","sentiment_score":0.048596383382876716,"channel":1,"num_words":3,"start":174.44499,"end":175.8},{"sentences":[{"text":"Yep.","start":176.295,"end":176.535,"sentiment":"neutral","sentiment_score":0.10817605257034302},{"text":"That's the one.","start":176.535,"end":177.415,"sentiment":"neutral","sentiment_score":0.14216195543607077},{"text":"So if you click on the button that says sign the document, it'll take you through so you can see the statement of advice, and it has your name on the very front there with the 08/19/2026.","start":177.415,"end":186.51,"sentiment":"neutral","sentiment_score":0.10700288656595591}],"sentiment":"neutral","sentiment_score":0.10960411516631521,"channel":0,"num_words":41,"start":176.295,"end":186.51},{"sentences":[{"text":"Yep.","start":188.04001,"end":188.54001,"sentiment":"neutral","sentiment_score":0.07654547691345215},{"text":"Yep.","start":188.68001,"end":188.84,"sentiment":"neutral","sentiment_score":0.09315924346446992},{"text":"Got it.","start":188.84,"end":189.58,"sentiment":"neutral","sentiment_score":0.1803385242819786}],"sentiment":"neutral","sentiment_score":0.13259544223546982,"channel":1,"num_words":4,"start":188.04001,"end":189.58},{"sentences":[{"text":"Yep.","start":189.15,"end":189.54999,"sentiment":"neutral","sentiment_score":0.27531975507736206},{"text":"Beautiful.","start":189.54999,"end":190.04999,"sentiment":"positive","sentiment_score":0.7395325899124146},{"text":"Excellent.","start":190.11,"end":190.59,"sentiment":"positive","sentiment_score":0.7377957105636597},{"text":"Now all of our advice is valid for sixty days from the date on the document.","start":190.59,"end":193.89,"sentiment":"neutral","sentiment_score":0.28952299151569605},{"text":"And it's stated today, so you have sixty days from presentation to review it and decide whether you're wanting to take the advice on.","start":194.18999,"end":200.175,"sentiment":"neutral","sentiment_score":0.20802260003983974}],"sentiment":"neutral","sentiment_score":0.26459437955257503,"channel":0,"num_words":43,"start":189.15,"end":200.175},{"sentences":[{"text":"On the front page has my license registration number, so I'm a licensed adviser through ASIC, and my registration number is 1304394.","start":200.655,"end":208.41501,"sentiment":"neutral","sentiment_score":0.12342739647085016},{"text":"Okay.","start":208.41501,"end":208.91501,"sentiment":"neutral","sentiment_score":0.2035141885280609},{"text":"With this, I'll take you through the sections that we need to sort touch on to go through the the areas that we need to, and then I'll let you go back to have a really good rate of the document as well.","start":210.255,"end":218.83,"sentiment":"neutral","sentiment_score":0.2671904017563996},{"text":"Because as I'm sort of talking through it, sometimes it can be a little bit overwhelming with all the bits and pieces, so giving you time to go back and read it through and take it in is really important as well.","start":218.83,"end":228.815,"sentiment":"neutral","sentiment_score":-0.09096006463680949}],"sentiment":"neutral","sentiment_score":0.09803501362653656,"channel":0,"num_words":108,"start":200.655,"end":228.815},{"sentences":[{"text":"Sure.","start":228.725,"end":229.225,"sentiment":"neutral","sentiment_score":0.06064407527446747}],"sentiment":"neutral","sentiment_score":0.06064407527446747,"channel":1,"num_words":1,"start":228.725,"end":229.225},{"sentences":[{"text":"Okay?","start":228.815,"end":229.315,"sentiment":"neutral","sentiment_score":0.0572984404861927}],"sentiment":"neutral","sentiment_score":0.0572984404861927,"channel":0,"num_words":1,"start":228.815,"end":229.315},{"sentences":[{"text":"Mhmm.","start":229.52501,"end":230.02501,"sentiment":"neutral","sentiment_score":0.1376524567604065}],"sentiment":"neutral","sentiment_score":0.1376524567604065,"channel":1,"num_words":1,"start":229.52501,"end":230.02501},{"sentences":[{"text":"Excellent.","start":230.57501,"end":231.07501,"sentiment":"positive","sentiment_score":0.5814435482025146},{"text":"As we are sort of scrolling through pages three, four, and five, we've got the areas that we are just scoping in and out.","start":231.695,"end":237.535,"sentiment":"neutral","sentiment_score":0.19139516601959863},{"text":"So we're looking at superannuation.","start":237.535,"end":238.835,"sentiment":"neutral","sentiment_score":0.15349756181240082},{"text":"We're looking at insurances for you there as well, and I've scoping the estate planning to make sure your beneficiaries are set up in line with your wishes.","start":239.68001,"end":246.98001,"sentiment":"neutral","sentiment_score":0.29827075770923067},{"text":"Okay?","start":247.2,"end":247.7,"sentiment":"neutral","sentiment_score":0.12226903438568117}],"sentiment":"neutral","sentiment_score":0.244343484609814,"channel":0,"num_words":59,"start":230.57501,"end":247.7},{"sentences":[{"text":"Areas that we've scoped out for now is looking at potential property, investment properties, and investments outside of super.","start":249.28,"end":256.005,"sentiment":"neutral","sentiment_score":0.10899216250369423},{"text":"We can definitely look at those down the track when you are ready to have that more in-depth conversation.","start":256.225,"end":260.485,"sentiment":"neutral","sentiment_score":0.250972812113009},{"text":"For now, we'll just sort out your super insurances and then work on the next thing for you.","start":261.025,"end":265.505,"sentiment":"neutral","sentiment_score":0.1762448458207978},{"text":"Okay?","start":265.505,"end":266.005,"sentiment":"neutral","sentiment_score":0.10561595857143402}],"sentiment":"neutral","sentiment_score":0.1774975035274238,"channel":0,"num_words":57,"start":249.28,"end":266.005},{"sentences":[{"text":"Mhmm.","start":266.27,"end":266.77,"sentiment":"neutral","sentiment_score":0.14219288527965546}],"sentiment":"neutral","sentiment_score":0.14219288527965546,"channel":1,"num_words":1,"start":266.27,"end":266.77},{"sentences":[{"text":"Excellent.","start":267.35,"end":267.85,"sentiment":"positive","sentiment_score":0.5196715593338013},{"text":"If I can get you to move down or scroll, sorry, down to page number 12, this is the start of the recommendations there for you.","start":268.31,"end":275.53,"sentiment":"neutral","sentiment_score":0.24719027831004217}],"sentiment":"neutral","sentiment_score":0.25728217760721844,"channel":0,"num_words":27,"start":267.35,"end":275.53},{"sentences":[{"text":"Yep.","start":284.045,"end":284.545,"sentiment":"positive","sentiment_score":0.33589160442352295}],"sentiment":"positive","sentiment_score":0.33589160442352295,"channel":1,"num_words":1,"start":284.045,"end":284.545},{"sentences":[{"text":"Beautiful.","start":285.285,"end":285.785,"sentiment":"positive","sentiment_score":0.554389476776123},{"text":"So with this one here, I did go back and have a look at Hub twenty four as well as any other super fund out there, making sure that you were in a good fund, that it was working for you, but also reassessing the investments because we had noted that some of those were underperforming a little bit.","start":286.085,"end":301.07,"sentiment":"neutral","sentiment_score":0.15086653279298443}],"sentiment":"neutral","sentiment_score":0.1575919151927034,"channel":0,"num_words":60,"start":285.285,"end":301.07},{"sentences":[{"text":"Yep.","start":300.815,"end":301.315,"sentiment":"neutral","sentiment_score":0.11864098161458968}],"sentiment":"neutral","sentiment_score":0.11864098161458968,"channel":1,"num_words":1,"start":300.815,"end":301.315},{"sentences":[{"text":"I have recommended that we do stay with Hub twenty four.","start":301.45,"end":304.09,"sentiment":"neutral","sentiment_score":0.17279976335438815},{"text":"I know it wasn't your favorite fund, but one of the biggest things that I do look at when we do look at super funds is the the CGT cost around the selling and the changing of investments.","start":304.09,"end":315.165,"sentiment":"neutral","sentiment_score":0.0003789507195745644},{"text":"So, essentially, I did look at you know, hub twenty four does realistically have the most amount of investments available out of most of the adviser platforms.","start":315.30502,"end":323.63998,"sentiment":"neutral","sentiment_score":0.07369503383179782},{"text":"And if we were to sell down your total portfolio, the CGT cost was so much higher.","start":324.18,"end":328.98,"sentiment":"neutral","sentiment_score":-0.12927031648509643},{"text":"So it does work out better to retain Hub twenty four and be able to switch the investments within in them to make them work a bit harder for you.","start":328.98,"end":336.615,"sentiment":"neutral","sentiment_score":0.10267973430454731}],"sentiment":"neutral","sentiment_score":0.03892487875276768,"channel":0,"num_words":123,"start":301.45,"end":336.615},{"sentences":[{"text":"If you are finding that you are struggling with Hub 24 that the the app or, you know, utilizing it isn't working well for you, let me know.","start":337.01498,"end":344.935,"sentiment":"neutral","sentiment_score":-0.21869070854570186},{"text":"I'm happy to send you reports and break things down and give you updated balances and things like that on a more regular basis as well.","start":344.935,"end":351.095,"sentiment":"positive","sentiment_score":0.5555772701135049},{"text":"But it just didn't work out cost effective to move you to a whole another platform.","start":351.095,"end":355.23,"sentiment":"neutral","sentiment_score":-0.19129572110250592},{"text":"So I have","start":355.77002,"end":356.33002,"sentiment":"neutral","sentiment_score":0.128379854063193}],"sentiment":"neutral","sentiment_score":0.0773435234002871,"channel":0,"num_words":73,"start":337.01498,"end":356.33002},{"sentences":[{"text":"Yep.","start":356.275,"end":356.775,"sentiment":"neutral","sentiment_score":0.18582169711589813}],"sentiment":"neutral","sentiment_score":0.18582169711589813,"channel":1,"num_words":1,"start":356.275,"end":356.775},{"sentences":[{"text":"recommended to retain Hub twenty four and switch the investments within that.","start":356.33002,"end":360.35,"sentiment":"neutral","sentiment_score":0.16991261268655458},{"text":"I am recommending that you keep your salary sacrifice as it is at the moment.","start":360.73,"end":364.41,"sentiment":"neutral","sentiment_score":0.2762886921564738},{"text":"So it is working really well for you because you are obviously, you have a family and kids.","start":364.41,"end":369.135,"sentiment":"positive","sentiment_score":0.5955879042545954},{"text":"I didn't wanna eat away too much of your income.","start":369.135,"end":371.235,"sentiment":"neutral","sentiment_score":-0.04453206285834312},{"text":"But because","start":371.615,"end":372.095,"sentiment":"neutral","sentiment_score":0.16983810812234879}],"sentiment":"neutral","sentiment_score":0.2947056069970131,"channel":0,"num_words":57,"start":356.33002,"end":372.095},{"sentences":[{"text":"Yep.","start":372.02002,"end":372.52002,"sentiment":"neutral","sentiment_score":0.22319774329662323}],"sentiment":"neutral","sentiment_score":0.22319774329662323,"channel":1,"num_words":1,"start":372.02002,"end":372.52002},{"sentences":[{"text":"your income does increase quite regularly each year, as you move up in the tax brackets, it might be worthwhile looking at later down the track at additional ways to help reduce tax without that being your total goal, looking at ways to help kind of, you know, reduce or limit the amount of tax payable and benefit super down the track.","start":372.095,"end":391.19,"sentiment":"neutral","sentiment_score":0.20294556466321792},{"text":"So I look to retain your salary sacrifice as it is and just sort of switch those investments out there for you.","start":391.19,"end":398.075,"sentiment":"neutral","sentiment_score":0.28250987150452356},{"text":"To show you how I'm going to change those investments to make it easier, if you move down to page number 18,","start":398.215,"end":404.315,"sentiment":"neutral","sentiment_score":0.31178695911710913}],"sentiment":"neutral","sentiment_score":0.2420486347433531,"channel":0,"num_words":106,"start":372.095,"end":404.315},{"sentences":[{"text":"Yep.","start":415.435,"end":415.935,"sentiment":"neutral","sentiment_score":0.2686963975429535}],"sentiment":"neutral","sentiment_score":0.2686963975429535,"channel":1,"num_words":1,"start":415.435,"end":415.935},{"sentences":[{"text":"Beautiful.","start":416.55,"end":417.05,"sentiment":"positive","sentiment_score":0.619448184967041},{"text":"So this is the fee comparison table.","start":417.11,"end":418.87,"sentiment":"neutral","sentiment_score":0.2178500656570707},{"text":"So it essentially shows you the reason behind my recommendations.","start":418.87,"end":421.53,"sentiment":"neutral","sentiment_score":0.19896570593118668},{"text":"As I kinda mentioned, when we do make switches of investments, like your super fund, just like you, does a tax return every year, they pay income tax and capital gains tax and things like that.","start":422.47498,"end":432.655,"sentiment":"neutral","sentiment_score":0.12139035481959581},{"text":"So when I looked at how to switch the investments and make the changes, the changes I'm recommending will result only in about a $127 as a CDT consequence for your super.","start":432.79498,"end":442.75,"sentiment":"neutral","sentiment_score":0.10113725974224508}],"sentiment":"neutral","sentiment_score":0.13651745103646157,"channel":0,"num_words":86,"start":416.55,"end":442.75},{"sentences":[{"text":"So it essentially means that your balance is $191,001.28 currently.","start":442.75,"end":447.88998,"sentiment":"neutral","sentiment_score":0.07340970449149609},{"text":"We only expect after the changes a 127 in CGT, which means your starting balance remains higher.","start":448.645,"end":454.905,"sentiment":"neutral","sentiment_score":0.06429467021542437},{"text":"With the new changes, and I'll take you through individually in a second, the new portfolio is also cheaper in investment fees.","start":455.285,"end":461.85,"sentiment":"neutral","sentiment_score":0.2870022783225233},{"text":"So you're currently paying 851 for the year in investment fees for the current portfolio.","start":462.01,"end":466.83002,"sentiment":"neutral","sentiment_score":0.061349173386891685},{"text":"The newer portfolio I'm recommending saves you about $284 in investment fees there.","start":467.53,"end":472.57,"sentiment":"positive","sentiment_score":0.5832717647919288}],"sentiment":"neutral","sentiment_score":0.21615489746456024,"channel":0,"num_words":77,"start":442.75,"end":472.57},{"sentences":[{"text":"So that outweighs the CGT cost of making the switch and makes the portfolio cheaper for you long term as well.","start":472.57,"end":479.385,"sentiment":"positive","sentiment_score":0.6779569458393824},{"text":"I also noted that because of the difference in balance, obviously, our ongoing adviser fee is reduced a little bit as well, expected to save you about $65 for the year.","start":479.845,"end":488.7,"sentiment":"positive","sentiment_score":0.46104076504707336},{"text":"And then I have made a recommendation on insurances to factor in as well.","start":489.18002,"end":492.94,"sentiment":"neutral","sentiment_score":0.25404513840164455},{"text":"That does mean the insurance cost expected is to be a little bit higher.","start":492.94,"end":496.16,"sentiment":"neutral","sentiment_score":0.08329307367759091},{"text":"The other thing I sort of look at and factor in is how the portfolios have been performing.","start":496.54,"end":501.2,"sentiment":"neutral","sentiment_score":0.16995176217622227}],"sentiment":"positive","sentiment_score":0.3705227170139551,"channel":0,"num_words":98,"start":472.57,"end":501.2},{"sentences":[{"text":"So you're currently in that high growth environment wanting to take a bit more risk in the market to get those greater potential returns.","start":501.42,"end":507.495,"sentiment":"neutral","sentiment_score":0.11068972200155258},{"text":"The newer portfolio has averaged about 9.77% on a yearly basis over the past five years, whereas the new portfolio has averaged about 11.33%.","start":507.955,"end":517.815,"sentiment":"neutral","sentiment_score":0.24621858851363262},{"text":"So when we take into account switching the investments to CGT costs, the reduction investment fees, and how the the newer portfolio has performed in the past, we can see as per the projection table below that it's expected to put you in a greater position over the next five to ten years, which is really good and important.","start":517.83,"end":535.22504,"sentiment":"positive","sentiment_score":0.5637148575762571},{"text":"Okay?","start":535.60504,"end":536.10504,"sentiment":"neutral","sentiment_score":0.2852385640144348}],"sentiment":"positive","sentiment_score":0.38990939456831525,"channel":0,"num_words":108,"start":501.42,"end":536.10504},{"sentences":[{"text":"Mhmm.","start":537.09,"end":537.59,"sentiment":"neutral","sentiment_score":0.07619014382362366}],"sentiment":"neutral","sentiment_score":0.07619014382362366,"channel":1,"num_words":1,"start":537.09,"end":537.59},{"sentences":[{"text":"Do","start":537.84503,"end":538.005,"sentiment":"neutral","sentiment_score":0.05980032682418823}],"sentiment":"neutral","sentiment_score":0.05980032682418823,"channel":0,"num_words":1,"start":537.84503,"end":538.005},{"sentences":[{"text":"Yep.","start":537.89,"end":538.39,"sentiment":"neutral","sentiment_score":0.10119801759719849}],"sentiment":"neutral","sentiment_score":0.10119801759719849,"channel":1,"num_words":1,"start":537.89,"end":538.39},{"sentences":[{"text":"you have any questions so far?","start":538.005,"end":539.625,"sentiment":"neutral","sentiment_score":0.046385880559682846}],"sentiment":"neutral","sentiment_score":0.046385880559682846,"channel":0,"num_words":6,"start":538.005,"end":539.625},{"sentences":[{"text":"No.","start":540.61,"end":541.11,"sentiment":"neutral","sentiment_score":-0.06691307574510574}],"sentiment":"neutral","sentiment_score":-0.06691307574510574,"channel":1,"num_words":1,"start":540.61,"end":541.11},{"sentences":[{"text":"No?","start":541.60504,"end":542.10504,"sentiment":"neutral","sentiment_score":-0.03305397927761078},{"text":"Beautiful.","start":542.245,"end":542.745,"sentiment":"positive","sentiment_score":0.34774458408355713},{"text":"If you scroll further down there for me to page number 20, this is the switch of the investment.","start":543.42,"end":548.88,"sentiment":"neutral","sentiment_score":0.10553989304523718}],"sentiment":"neutral","sentiment_score":0.11047374155549776,"channel":0,"num_words":21,"start":541.60504,"end":548.88},{"sentences":[{"text":"20.","start":554.705,"end":555.205,"sentiment":"neutral","sentiment_score":0.036539435386657715},{"text":"Yeah.","start":555.745,"end":556.065,"sentiment":"neutral","sentiment_score":0.07798811048269272}],"sentiment":"neutral","sentiment_score":0.05726377293467522,"channel":1,"num_words":2,"start":554.705,"end":556.065},{"sentences":[{"text":"Yeah.","start":555.98,"end":556.3,"sentiment":"neutral","sentiment_score":0.08901844918727875}],"sentiment":"neutral","sentiment_score":0.08901844918727875,"channel":0,"num_words":1,"start":555.98,"end":556.3},{"sentences":[{"text":"Okay.","start":556.065,"end":556.565,"sentiment":"neutral","sentiment_score":0.13665032386779785}],"sentiment":"neutral","sentiment_score":0.13665032386779785,"channel":1,"num_words":1,"start":556.065,"end":556.565},{"sentences":[{"text":"You're right.","start":556.3,"end":556.755,"sentiment":"neutral","sentiment_score":0.2985793799161911},{"text":"Beautiful.","start":557.235,"end":557.735,"sentiment":"positive","sentiment_score":0.5627766847610474}],"sentiment":"positive","sentiment_score":0.3866451481978099,"channel":0,"num_words":3,"start":556.3,"end":557.735},{"sentences":[{"text":"Yep.","start":557.55005,"end":558.05005,"sentiment":"neutral","sentiment_score":0.2845710515975952}],"sentiment":"neutral","sentiment_score":0.2845710515975952,"channel":1,"num_words":1,"start":557.55005,"end":558.05005},{"sentences":[{"text":"So on here, we've got the table noting all the different investments and how you are invested within your super fund currently.","start":558.03503,"end":563.875,"sentiment":"neutral","sentiment_score":0.1950472735545852},{"text":"So, essentially, in order to make the changes, we have all the investments noted here.","start":563.875,"end":568.115,"sentiment":"neutral","sentiment_score":0.1630423843860626},{"text":"The red and the green is what we're gonna be selling down and buying.","start":568.115,"end":571.175,"sentiment":"neutral","sentiment_score":0.1951443808419364},{"text":"And then the last two columns, your target waiting and target balance is where we see your balance once once the switch has been completed.","start":571.29,"end":577.70996,"sentiment":"neutral","sentiment_score":0.14063052222132683},{"text":"So, essentially, we are gonna sell off all the battery and lithium tax, remove the ban along Australian equities as it's been underperforming, remove the bank hybrids as they are being phased out down the track there as well, and the China new economy will be completely gone there as well.","start":578.08997,"end":592.205,"sentiment":"neutral","sentiment_score":-0.2503669218835877}],"sentiment":"neutral","sentiment_score":0.0016987964980245576,"channel":0,"num_words":127,"start":558.03503,"end":592.205},{"sentences":[{"text":"We are gonna keep the physical gold that has been performing well, but you're a bit overweighted there at the moment.","start":592.585,"end":597.705,"sentiment":"neutral","sentiment_score":-0.03235425019548053},{"text":"So we just wanna sell some of the gains and submit those and then have that redistributed the compounding into your portfolio.","start":597.705,"end":604.7,"sentiment":"neutral","sentiment_score":0.17197923802516676},{"text":"We've also got the cybersecurity there.","start":605.16,"end":607.48,"sentiment":"neutral","sentiment_score":-0.013534008835752806},{"text":"So you're a bit overweighted at the moment.","start":607.48,"end":609.24,"sentiment":"neutral","sentiment_score":-0.17358102835714817},{"text":"We're gonna sell a little bit of that off to bring you back to 7%.","start":609.24,"end":612.52,"sentiment":"neutral","sentiment_score":0.012749825417995454}],"sentiment":"neutral","sentiment_score":0.02535415394231677,"channel":0,"num_words":72,"start":592.585,"end":612.52},{"sentences":[{"text":"It's a bit of a rebalance there as well.","start":612.52,"end":614.62,"sentiment":"neutral","sentiment_score":-0.10988128433624904},{"text":"The S and P 500, you've got about 34.10%, so we only really wanna hold about 25% in the portfolio.","start":615.285,"end":623.145,"sentiment":"neutral","sentiment_score":0.0407427916303277},{"text":"So we're gonna sell some of that off and just rebalance you back to 25%.","start":623.52496,"end":627.865,"sentiment":"neutral","sentiment_score":0.0933539777994156},{"text":"The Van Ness property property has been a little bit of a dip, especially since the changes have come into play where it's been underperforming in your portfolio as well.","start":628.64,"end":636.72003,"sentiment":"negative","sentiment_score":-0.3785535991191864},{"text":"So we're removing that completely.","start":636.72003,"end":638.66003,"sentiment":"neutral","sentiment_score":-0.3285845786333084}],"sentiment":"neutral","sentiment_score":-0.14902907501481757,"channel":0,"num_words":79,"start":612.52,"end":638.66003},{"sentences":[{"text":"We've also got the a beta shares Raffy two hundred.","start":639.84,"end":642.96,"sentiment":"neutral","sentiment_score":-0.009557043388485908},{"text":"We found a much cheaper way to hold Australian equities, so we are removing this from the portfolio completely as well.","start":642.96,"end":649.355,"sentiment":"neutral","sentiment_score":-0.03062205868107932},{"text":"What we're gonna be adding into sorry.","start":649.815,"end":652.375,"sentiment":"neutral","sentiment_score":-0.13765603516783034},{"text":"The Raffy.","start":652.375,"end":653.355,"sentiment":"neutral","sentiment_score":-0.12629343196749687},{"text":"My apologies.","start":653.415,"end":653.895,"sentiment":"neutral","sentiment_score":-0.1942424327135086}],"sentiment":"neutral","sentiment_score":-0.05579280099343686,"channel":0,"num_words":42,"start":639.84,"end":653.895},{"sentences":[{"text":"I'm looking at the wrong line.","start":653.895,"end":654.775,"sentiment":"neutral","sentiment_score":-0.19423730174700418},{"text":"We're gonna get a whole 50%.","start":654.775,"end":656.455,"sentiment":"neutral","sentiment_score":-0.1157090850174427},{"text":"We're keeping some of that in there.","start":656.455,"end":658.055,"sentiment":"neutral","sentiment_score":-0.066095163247415},{"text":"Sorry, Bianca.","start":658.055,"end":658.955,"sentiment":"neutral","sentiment_score":-0.0435759536921978},{"text":"I'm looking at the wrong","start":659.15,"end":660.03,"sentiment":"neutral","sentiment_score":-0.06371865570545196}],"sentiment":"neutral","sentiment_score":-0.10492652497039391,"channel":0,"num_words":26,"start":653.895,"end":660.03},{"sentences":[{"text":"Yes, sir.","start":659.80505,"end":660.465,"sentiment":"neutral","sentiment_score":0.008397120982408524}],"sentiment":"neutral","sentiment_score":0.008397120982408524,"channel":1,"num_words":2,"start":659.80505,"end":660.465},{"sentences":[{"text":"line.","start":660.03,"end":660.51,"sentiment":"neutral","sentiment_score":-0.010287268087267876},{"text":"We're gonna keep some of the raffy in there for you.","start":660.51,"end":663.49,"sentiment":"neutral","sentiment_score":0.06366981345821511},{"text":"We are kinda gonna get rid of just sell it off to rebalance a little bit back there for you, but we do wanna hold Australian equities, and we found a much cheaper way to hold more Australian equities.","start":663.79,"end":674.705,"sentiment":"neutral","sentiment_score":0.10700058048734298},{"text":"We're going to add in there the India Quality ETF.","start":675.725,"end":678.205,"sentiment":"neutral","sentiment_score":0.12186660021543502},{"text":"We wanna hold about 7% weighting in there.","start":678.205,"end":680.605,"sentiment":"neutral","sentiment_score":0.17876463942229748}],"sentiment":"neutral","sentiment_score":0.10886791936945224,"channel":0,"num_words":69,"start":660.03,"end":680.605},{"sentences":[{"text":"India is a rally a really good place to see growth.","start":680.605,"end":683.585,"sentiment":"positive","sentiment_score":0.7549749233505942},{"text":"And then we've also seen the got the Global X Healthcare.","start":684.125,"end":687.41,"sentiment":"neutral","sentiment_score":0.17640826309269125},{"text":"This is Global Healthcare, so giving you exposure to health care across the globe, essentially.","start":687.63,"end":691.88995,"sentiment":"neutral","sentiment_score":0.15064887056748072},{"text":"And then as I mentioned before, we're getting rid of the ban along Australian equities and rebalancing the Raffy back a little bit, but we're also gonna hold the a 200.","start":692.43,"end":699.88995,"sentiment":"neutral","sentiment_score":0.05689384499865194},{"text":"So between the Australia 200 and the Raffy 200, we're giving you exposure to about a bit over 25% in Australian equities there.","start":699.95,"end":709.055,"sentiment":"neutral","sentiment_score":0.10426946324498756}],"sentiment":"neutral","sentiment_score":0.18315225229649754,"channel":0,"num_words":91,"start":680.605,"end":709.055},{"sentences":[{"text":"So you do wanna hold as much as we can, but it's making sure that you've got a good weighting, and it's actually increasing your diversification into Australian equities as well whilst reducing the cost of the portfolio.","start":709.055,"end":720.52,"sentiment":"positive","sentiment_score":0.3718224163902433},{"text":"So we'll buy into the a 200 there, and you'll hold about 10% of that and then 15% of the a 200 portfolio.","start":720.74005,"end":727.96,"sentiment":"neutral","sentiment_score":0.16477791932613953},{"text":"Because you are realistically younger and can can sustain a little bit of more risk in the portfolio, I've also included the JPMorgan Global Research Enhanced Equity Fund.","start":729.755,"end":741.775,"sentiment":"neutral","sentiment_score":0.1057493392644184},{"text":"This here is more of an actively managed fund, so it utilizes JPMorgan's research team to look for areas of growth.","start":741.835,"end":749.95,"sentiment":"neutral","sentiment_score":0.2133263796567917},{"text":"It is a cheap fund to have, but it does give you a little bit of active management in there as well.","start":750.57,"end":755.05005,"sentiment":"neutral","sentiment_score":0.30463257973844354}],"sentiment":"neutral","sentiment_score":0.24289315298312542,"channel":0,"num_words":132,"start":709.055,"end":755.05005},{"sentences":[{"text":"And it's global, so it's well diversified, and it's not an","start":755.05005,"end":758.64496,"sentiment":"neutral","sentiment_score":0.21252897043119778}],"sentiment":"neutral","sentiment_score":0.21252897043119778,"channel":0,"num_words":11,"start":755.05005,"end":758.64496},{"sentences":[{"text":"Mhmm.","start":758.46,"end":758.805,"sentiment":"neutral","sentiment_score":0.012934797443449495}],"sentiment":"neutral","sentiment_score":0.012934797443449495,"channel":1,"num_words":1,"start":758.46,"end":758.805},{"sentences":[{"text":"expensive fund to hold as well.","start":758.64496,"end":760.165,"sentiment":"neutral","sentiment_score":0.023804824178417523},{"text":"So we do wanna hold about 15% of that in your portfolio.","start":760.165,"end":763.385,"sentiment":"neutral","sentiment_score":0.11101442202925682},{"text":"We'll keep to monitor that moving forward.","start":763.76495,"end":765.605,"sentiment":"neutral","sentiment_score":0.10369691572019032},{"text":"And if we find it's not performing the way we hoped it would, we'll look to swap it out.","start":765.605,"end":769.76495,"sentiment":"neutral","sentiment_score":-0.1257967025433716},{"text":"But this year, it has done really, really well, and JPMorgan's research team is one of the biggest in the globe.","start":769.76495,"end":775.59,"sentiment":"positive","sentiment_score":0.5215982837336404}],"sentiment":"neutral","sentiment_score":0.16560472353146627,"channel":0,"num_words":65,"start":758.64496,"end":775.59},{"sentences":[{"text":"So it is well worth having a little bit of exposure into that for you.","start":775.59,"end":779.69,"sentiment":"positive","sentiment_score":0.49998926122983295},{"text":"And then we've also got the core composite bonds there.","start":780.15,"end":783.03,"sentiment":"neutral","sentiment_score":0.12791018672287463},{"text":"So we are removing the bank hybrids out of the portfolio.","start":783.03,"end":786.17,"sentiment":"neutral","sentiment_score":-0.05977895720438524},{"text":"We still wanna hold some defensive assets.","start":786.39,"end":788.81,"sentiment":"neutral","sentiment_score":0.030433398804494312},{"text":"When you're in that high growth environment, we still wanna hold around about 10%.","start":789.08496,"end":793.745,"sentiment":"neutral","sentiment_score":0.050046615834747045}],"sentiment":"neutral","sentiment_score":0.15850980122361266,"channel":0,"num_words":57,"start":775.59,"end":793.745},{"sentences":[{"text":"We do hold roughly 10%, but we have a variance of about 5% in our portfolio.","start":794.365,"end":799.985,"sentiment":"neutral","sentiment_score":0.029443155508488417},{"text":"So we're only gonna only gonna hold 7% of this investment, making sure that we're still having defensive assets, but making sure that you do, you know, have a good quality of growth assets within your portfolio as well to obtain greater growth.","start":800.125,"end":814.57,"sentiment":"neutral","sentiment_score":0.20613051751671835},{"text":"This is in a high growth environment, so we'll keep monitoring it to make sure that it is working harder for you.","start":815.20496,"end":820.505,"sentiment":"neutral","sentiment_score":-0.010910596867853945},{"text":"If at any point any of these starts to underperform, we'll look to move them out nice and quick.","start":820.805,"end":825.305,"sentiment":"neutral","sentiment_score":-0.11198222107793156},{"text":"But, essentially, once that switch has been made, you'll essentially see some physical gold, the cybersecurity.","start":825.76495,"end":831.53,"sentiment":"neutral","sentiment_score":0.12749905162490904}],"sentiment":"neutral","sentiment_score":0.07764648479120485,"channel":0,"num_words":116,"start":794.365,"end":831.53},{"sentences":[{"text":"You'll have access to the S and P 500 and Australian equities.","start":831.83,"end":836.25,"sentiment":"neutral","sentiment_score":0.13862400501966476},{"text":"We'll see some India exposures in health care and that JPMorgan Global retouched enhanced Equity Fund in there and then some defensive assets like bonds in there as well.","start":836.39,"end":845.715,"sentiment":"neutral","sentiment_score":0.103084913743981},{"text":"So that's essentially the changes that we do wanna make to the portfolio.","start":845.715,"end":849.335,"sentiment":"neutral","sentiment_score":0.10369258259351437},{"text":"Do you have any questions about that?","start":850.355,"end":852.375,"sentiment":"neutral","sentiment_score":0.01828404888510704}],"sentiment":"neutral","sentiment_score":0.10047446679873545,"channel":0,"num_words":61,"start":831.83,"end":852.375},{"sentences":[{"text":"No.","start":854.615,"end":855.015,"sentiment":"neutral","sentiment_score":-0.1198696345090866},{"text":"No.","start":855.015,"end":855.33496,"sentiment":"neutral","sentiment_score":-0.13864384591579437},{"text":"It don't","start":855.33496,"end":856.075,"sentiment":"neutral","sentiment_score":-0.1723337396979332}],"sentiment":"neutral","sentiment_score":-0.15079523995518684,"channel":1,"num_words":4,"start":854.615,"end":856.075},{"sentences":[{"text":"No.","start":855.795,"end":856.14,"sentiment":"neutral","sentiment_score":-0.2831416130065918}],"sentiment":"neutral","sentiment_score":-0.2831416130065918,"channel":0,"num_words":1,"start":855.795,"end":856.14},{"sentences":[{"text":"make sense.","start":856.135,"end":856.855,"sentiment":"neutral","sentiment_score":-0.220136359333992},{"text":"Yep.","start":856.855,"end":857.355,"sentiment":"neutral","sentiment_score":0.08117972314357758}],"sentiment":"neutral","sentiment_score":-0.11969766517480214,"channel":1,"num_words":3,"start":856.135,"end":857.355},{"sentences":[{"text":"Beautiful.","start":857.74,"end":858.24,"sentiment":"positive","sentiment_score":0.4656108021736145},{"text":"Excellent.","start":858.38,"end":858.88,"sentiment":"positive","sentiment_score":0.489986389875412},{"text":"The next page, it does have your cash account there.","start":859.9,"end":862.06,"sentiment":"neutral","sentiment_score":0.0949899185448885},{"text":"So at the moment, within Hub twenty four, we only really need to hold about 1.25% cash.","start":862.06,"end":867.44,"sentiment":"neutral","sentiment_score":0.01759384446503485},{"text":"That's their minimum cash holding.","start":867.74,"end":869.36,"sentiment":"neutral","sentiment_score":-0.018547289445996283}],"sentiment":"neutral","sentiment_score":0.062113390769809484,"channel":0,"num_words":34,"start":857.74,"end":869.36},{"sentences":[{"text":"We you currently have about 1.80%.","start":869.58,"end":872.355,"sentiment":"neutral","sentiment_score":0.018869657069444656},{"text":"So we are gonna","start":872.355,"end":873.495,"sentiment":"neutral","sentiment_score":0.06734873168170452}],"sentiment":"neutral","sentiment_score":0.0382612869143486,"channel":0,"num_words":10,"start":869.58,"end":873.495},{"sentences":[{"text":"Yep.","start":873.315,"end":873.815,"sentiment":"neutral","sentiment_score":0.06577205657958984}],"sentiment":"neutral","sentiment_score":0.06577205657958984,"channel":1,"num_words":1,"start":873.315,"end":873.815},{"sentences":[{"text":"take about a thousand of that and reinvest it.","start":873.555,"end":876.21497,"sentiment":"neutral","sentiment_score":0.045754889129764505},{"text":"Realistically, it costs you money to have money sitting in cash.","start":876.675,"end":879.395,"sentiment":"neutral","sentiment_score":-0.0029903768815777512},{"text":"So we we just wanna make sure as much of your portfolio is invested as absolutely possible and just hold the minimum cash balance there for you.","start":879.395,"end":887.58997,"sentiment":"neutral","sentiment_score":0.13054009113046858},{"text":"That is essentially how we'll see the waiting.","start":888.20996,"end":891.02997,"sentiment":"neutral","sentiment_score":0.07839366467669606},{"text":"If you look at the next page down, it essentially shows you the proposed versus the current asset allocation.","start":891.49,"end":898.39,"sentiment":"neutral","sentiment_score":0.050668940634319655}],"sentiment":"neutral","sentiment_score":0.07423434468187592,"channel":0,"num_words":74,"start":873.555,"end":898.39},{"sentences":[{"text":"So generally speaking, as I mentioned, in that high growth environment, you have that ninety ten split.","start":899.175,"end":904.395,"sentiment":"neutral","sentiment_score":0.05320760529652676},{"text":"With what we've proposed with the investments, you're gonna see about 93 in growth assets, so Australian and international equities property and alternative growth assets like gold, and then just about 7% in those fixed interest low risk investments like bonds.","start":904.455,"end":919.85,"sentiment":"neutral","sentiment_score":0.06318796635037516},{"text":"So that's essentially how we'll see that split changing.","start":919.99,"end":923.05,"sentiment":"neutral","sentiment_score":0.09183155414130953},{"text":"It is increasing your growth exposure from where you currently are.","start":923.67,"end":926.94995,"sentiment":"neutral","sentiment_score":0.06570738046006723},{"text":"You're a little bit under that 92.60, and you have about 7.40% in defensive assets at the moment.","start":926.94995,"end":933.525,"sentiment":"neutral","sentiment_score":0.02420113194319937}],"sentiment":"neutral","sentiment_score":0.05708459851787969,"channel":0,"num_words":96,"start":899.175,"end":933.525},{"sentences":[{"text":"So it is increasing that exposure into growth assets a little bit and decreasing your defensive exposure, but we'll keep monitoring that.","start":933.525,"end":941.54504,"sentiment":"neutral","sentiment_score":0.03629593923687935},{"text":"If you do find at any point that you're a bit unsure about being in that high growth portfolio or you are a bit concerned about the markets, please let me know.","start":942.02997,"end":950.11,"sentiment":"neutral","sentiment_score":-0.06483627401757985},{"text":"More than happy to talk you short and or reassess your risk profile at any point in time.","start":950.11,"end":954.93,"sentiment":"neutral","sentiment_score":0.14490831188029712},{"text":"One of the biggest things is it's fine to be in a high growth environment at your agent stage, but it's also gotta be to your comfort level as well.","start":955.645,"end":962.685,"sentiment":"neutral","sentiment_score":0.18430379430452984},{"text":"And we can always you know, if we start to reduce the risk, look at maybe increasing contributions down the track to kinda mitigate the the risk reduction as well.","start":962.685,"end":971.13,"sentiment":"neutral","sentiment_score":0.2254921888311704}],"sentiment":"neutral","sentiment_score":0.10322711365579655,"channel":0,"num_words":132,"start":933.525,"end":971.13},{"sentences":[{"text":"Okay?","start":971.19,"end":971.69,"sentiment":"neutral","sentiment_score":0.1449001580476761}],"sentiment":"neutral","sentiment_score":0.1449001580476761,"channel":0,"num_words":1,"start":971.19,"end":971.69},{"sentences":[{"text":"Yep.","start":972.545,"end":973.045,"sentiment":"neutral","sentiment_score":0.22790849208831787}],"sentiment":"neutral","sentiment_score":0.22790849208831787,"channel":1,"num_words":1,"start":972.545,"end":973.045},{"sentences":[{"text":"Excellent.","start":973.35004,"end":973.83,"sentiment":"positive","sentiment_score":0.41540759801864624},{"text":"Do you have any questions so far at all?","start":973.83,"end":975.93,"sentiment":"neutral","sentiment_score":0.13070673081609938}],"sentiment":"neutral","sentiment_score":0.15917681753635407,"channel":0,"num_words":10,"start":973.35004,"end":975.93},{"sentences":[{"text":"No.","start":977.23,"end":977.73,"sentiment":"neutral","sentiment_score":-0.08686172962188721},{"text":"No.","start":977.79,"end":978.02997,"sentiment":"neutral","sentiment_score":-0.103644460439682},{"text":"It don't","start":978.02997,"end":978.35,"sentiment":"neutral","sentiment_score":-0.11374999210238457}],"sentiment":"neutral","sentiment_score":-0.10450154356658459,"channel":1,"num_words":4,"start":977.23,"end":978.35},{"sentences":[{"text":"No?","start":978.23004,"end":978.73004,"sentiment":"neutral","sentiment_score":-0.13661304116249084}],"sentiment":"neutral","sentiment_score":-0.13661304116249084,"channel":0,"num_words":1,"start":978.23004,"end":978.73004},{"sentences":[{"text":"make sense.","start":978.35,"end":979.01,"sentiment":"neutral","sentiment_score":-0.11776668578386307}],"sentiment":"neutral","sentiment_score":-0.11776668578386307,"channel":1,"num_words":2,"start":978.35,"end":979.01},{"sentences":[{"text":"Easy.","start":979.43,"end":979.93,"sentiment":"neutral","sentiment_score":0.021660052239894867},{"text":"If you move down to page number 23, the next thing that we were looking at was the insurance side of things for you.","start":980.79004,"end":984.3367,"sentiment":"neutral","sentiment_score":0.02374146374252935},{"text":"So as I kinda went through the insurance side of things for you.","start":984.3367,"end":986.945,"sentiment":"neutral","sentiment_score":0.04122268637785545},{"text":"So as I kinda went through the projection table above, we also talked about last time looking at adding some income protection.","start":987.325,"end":994.065,"sentiment":"neutral","sentiment_score":0.04643977568908171},{"text":"Initial the initial recommendation was we were gonna start by increasing your life and TPD, but we started this call to sort of hold back on the life and TPD, keep it at the same level that you do have.","start":995.085,"end":1004.86,"sentiment":"neutral","sentiment_score":0.04130594814196229}],"sentiment":"neutral","sentiment_score":0.0380126309581101,"channel":0,"num_words":100,"start":979.43,"end":1004.86},{"sentences":[{"text":"With your","start":1005.32,"end":1005.8,"sentiment":"neutral","sentiment_score":0.049360472708940506}],"sentiment":"neutral","sentiment_score":0.049360472708940506,"channel":0,"num_words":2,"start":1005.32,"end":1005.8},{"sentences":[{"text":"Yep.","start":1005.73,"end":1006.23,"sentiment":"neutral","sentiment_score":0.04067359119653702}],"sentiment":"neutral","sentiment_score":0.04067359119653702,"channel":1,"num_words":1,"start":1005.73,"end":1006.23},{"sentences":[{"text":"life and total permanent disability, you currently have a sum insured of 863,258.","start":1005.8,"end":1013.02,"sentiment":"neutral","sentiment_score":0.04799433539693172},{"text":"You mentioned that you were comfortable with me just adding that income protection to show you what that would look like, and then you get to go back and decide whether you want the income protection or not.","start":1013.71497,"end":1022.935,"sentiment":"neutral","sentiment_score":0.09813941701462395}],"sentiment":"neutral","sentiment_score":0.08535733738658476,"channel":0,"num_words":51,"start":1005.8,"end":1022.935},{"sentences":[{"text":"Yep.","start":1023.615,"end":1024.115,"sentiment":"neutral","sentiment_score":0.09924077987670898}],"sentiment":"neutral","sentiment_score":0.09924077987670898,"channel":1,"num_words":1,"start":1023.615,"end":1024.115},{"sentences":[{"text":"Based on your current income at a 165,000, It means we would be adding income protection to give you a monthly benefit of 9,625.","start":1023.875,"end":1034.64,"sentiment":"neutral","sentiment_score":0.14414670752982298},{"text":"We're looking at a thirty day waiting period, so you don't have to be off work for as long in order to claim on the policy.","start":1034.86,"end":1040.64,"sentiment":"neutral","sentiment_score":0.12298534996807575},{"text":"But last time we called up, you were happy just a two year benefit knowing what you do for work and mostly administration.","start":1041.135,"end":1046.435,"sentiment":"positive","sentiment_score":0.46347665657167847},{"text":"You did kinda feel that was fairly appropriate.","start":1047.215,"end":1049.555,"sentiment":"positive","sentiment_score":0.4515349343419075},{"text":"Do you still feel like that benefit period's fairly appropriate?","start":1049.615,"end":1052.675,"sentiment":"neutral","sentiment_score":0.2852991819381714}],"sentiment":"neutral","sentiment_score":0.2613447744522121,"channel":0,"num_words":91,"start":1023.875,"end":1052.675},{"sentences":[{"text":"Has anything changed in your mind with regard to that?","start":1052.735,"end":1055.51,"sentiment":"neutral","sentiment_score":-0.007246792688965798}],"sentiment":"neutral","sentiment_score":-0.007246792688965798,"channel":0,"num_words":10,"start":1052.735,"end":1055.51},{"sentences":[{"text":"Does that mean that's how long they pay your income for?","start":1055.9199,"end":1058.96,"sentiment":"neutral","sentiment_score":0.00974298319356008},{"text":"Is that what that means?","start":1058.96,"end":1060.02,"sentiment":"neutral","sentiment_score":0.01056627295911312}],"sentiment":"neutral","sentiment_score":0.010000261245295405,"channel":1,"num_words":16,"start":1055.9199,"end":1060.02},{"sentences":[{"text":"That's, yeah, that's how long you can","start":1059.65,"end":1061.65,"sentiment":"neutral","sentiment_score":0.05320971459150314}],"sentiment":"neutral","sentiment_score":0.05320971459150314,"channel":0,"num_words":7,"start":1059.65,"end":1061.65},{"sentences":[{"text":"Okay.","start":1061.6,"end":1062.1,"sentiment":"neutral","sentiment_score":0.024503041058778763}],"sentiment":"neutral","sentiment_score":0.024503041058778763,"channel":1,"num_words":1,"start":1061.6,"end":1062.1},{"sentences":[{"text":"be on an income protection claim for.","start":1061.65,"end":1063.89,"sentiment":"neutral","sentiment_score":0.003226636376764093}],"sentiment":"neutral","sentiment_score":0.003226636376764093,"channel":0,"num_words":7,"start":1061.65,"end":1063.89},{"sentences":[{"text":"Okay.","start":1063.52,"end":1064.02,"sentiment":"neutral","sentiment_score":0.026528719812631607}],"sentiment":"neutral","sentiment_score":0.026528719812631607,"channel":1,"num_words":1,"start":1063.52,"end":1064.02},{"sentences":[{"text":"Realistically, under sort of the way it works, most claims are dealt with within that two year period.","start":1063.89,"end":1069.495,"sentiment":"neutral","sentiment_score":0.012432747727466954},{"text":"As you can imagine, insurers don't really wanna be paying claims for a long period","start":1069.495,"end":1073.175,"sentiment":"neutral","sentiment_score":-0.06252354147533576}],"sentiment":"neutral","sentiment_score":-0.02163829281926155,"channel":0,"num_words":33,"start":1063.89,"end":1073.175},{"sentences":[{"text":"None.","start":1072.915,"end":1073.415,"sentiment":"neutral","sentiment_score":-0.03763687610626221}],"sentiment":"neutral","sentiment_score":-0.03763687610626221,"channel":1,"num_words":1,"start":1072.915,"end":1073.415},{"sentences":[{"text":"of time.","start":1073.175,"end":1073.575,"sentiment":"neutral","sentiment_score":-0.0386801902204752},{"text":"So when and","start":1073.575,"end":1074.455,"sentiment":"neutral","sentiment_score":0.0030368119478225704}],"sentiment":"neutral","sentiment_score":-0.013649988919496536,"channel":0,"num_words":5,"start":1073.175,"end":1074.455},{"sentences":[{"text":"Yep.","start":1074.435,"end":1074.935,"sentiment":"neutral","sentiment_score":0.015503711067140102}],"sentiment":"neutral","sentiment_score":0.015503711067140102,"channel":1,"num_words":1,"start":1074.435,"end":1074.935},{"sentences":[{"text":"if you are off work, they're gonna be trying to find ways for you to get back to work.","start":1074.455,"end":1078.395,"sentiment":"neutral","sentiment_score":-0.00820272817815605},{"text":"You can","start":1078.775,"end":1079.175,"sentiment":"neutral","sentiment_score":0.09445390105247498}],"sentiment":"neutral","sentiment_score":0.0015740936533326195,"channel":0,"num_words":21,"start":1074.455,"end":1079.175},{"sentences":[{"text":"Yep.","start":1079.0751,"end":1079.5751,"sentiment":"neutral","sentiment_score":0.11106565594673155}],"sentiment":"neutral","sentiment_score":0.11106565594673155,"channel":1,"num_words":1,"start":1079.0751,"end":1079.5751},{"sentences":[{"text":"also have a five year benefit period.","start":1079.175,"end":1081.255,"sentiment":"neutral","sentiment_score":0.17538247576781682},{"text":"It does increase the cost of the cover, and you can have an age 65 benefit period as well.","start":1081.255,"end":1086.57,"sentiment":"neutral","sentiment_score":0.2244735548370763},{"text":"So if you did wanna look at those additional quotes, I'm happy to generate them for you.","start":1086.57,"end":1090.33,"sentiment":"positive","sentiment_score":0.3786761217257556},{"text":"It's not a problem.","start":1090.33,"end":1091.3099,"sentiment":"neutral","sentiment_score":0.31716209650039673},{"text":"It's just that when we spoke last time, you were okay with a two year benefit period to try and keep the cost lower.","start":1091.69,"end":1097.0549,"sentiment":"neutral","sentiment_score":0.2983722860614459}],"sentiment":"neutral","sentiment_score":0.28675707314215915,"channel":0,"num_words":71,"start":1079.175,"end":1097.0549},{"sentences":[{"text":"We also talked about the","start":1097.0549,"end":1098.255,"sentiment":"neutral","sentiment_score":0.07675905972719192}],"sentiment":"neutral","sentiment_score":0.07675905972719192,"channel":0,"num_words":5,"start":1097.0549,"end":1098.255},{"sentences":[{"text":"Yes.","start":1098.12,"end":1098.495,"sentiment":"neutral","sentiment_score":0.026583638042211533}],"sentiment":"neutral","sentiment_score":0.026583638042211533,"channel":1,"num_words":1,"start":1098.12,"end":1098.495},{"sentences":[{"text":"risk of something happened being an admin worth out, same as me.","start":1098.255,"end":1101.695,"sentiment":"neutral","sentiment_score":-0.012374830121795336},{"text":"We can realistically work from home as well.","start":1101.695,"end":1104.0149,"sentiment":"neutral","sentiment_score":0.09747943934053183},{"text":"So the risk","start":1104.0149,"end":1105.455,"sentiment":"neutral","sentiment_score":-0.014334206779797872}],"sentiment":"neutral","sentiment_score":0.025579779692318127,"channel":0,"num_words":23,"start":1098.255,"end":1105.455},{"sentences":[{"text":"Yes.","start":1105.375,"end":1105.875,"sentiment":"neutral","sentiment_score":-0.021323153749108315}],"sentiment":"neutral","sentiment_score":-0.021323153749108315,"channel":1,"num_words":1,"start":1105.375,"end":1105.875},{"sentences":[{"text":"of, you know, something happening to us would have to be pretty drastic to be able to make that claim there.","start":1105.455,"end":1109.855,"sentiment":"neutral","sentiment_score":-0.06696032076364472},{"text":"But has anything changed with regard to that?","start":1109.855,"end":1112.5,"sentiment":"neutral","sentiment_score":-0.06960970442742109},{"text":"Do you sort of feel that that's fairly still appropriate?","start":1112.5,"end":1114.76,"sentiment":"neutral","sentiment_score":-0.07182036451995373},{"text":"Or","start":1114.8201,"end":1115.06,"sentiment":"neutral","sentiment_score":-0.05512267351150513}],"sentiment":"neutral","sentiment_score":-0.06840926725417376,"channel":0,"num_words":40,"start":1105.455,"end":1115.06},{"sentences":[{"text":"No.","start":1117.0701,"end":1117.55,"sentiment":"neutral","sentiment_score":-0.15049904584884644},{"text":"No.","start":1117.55,"end":1117.71,"sentiment":"neutral","sentiment_score":-0.14207668602466583},{"text":"That's yeah.","start":1117.71,"end":1119.33,"sentiment":"neutral","sentiment_score":-0.10373074561357498}],"sentiment":"neutral","sentiment_score":-0.12500930577516556,"channel":1,"num_words":4,"start":1117.0701,"end":1119.33},{"sentences":[{"text":"that's just","start":1119.2201,"end":1119.7001,"sentiment":"neutral","sentiment_score":-0.045410266146063805}],"sentiment":"neutral","sentiment_score":-0.045410266146063805,"channel":0,"num_words":2,"start":1119.2201,"end":1119.7001},{"sentences":[{"text":"That's","start":1119.63,"end":1119.95,"sentiment":"neutral","sentiment_score":0.009051445871591568}],"sentiment":"neutral","sentiment_score":0.009051445871591568,"channel":1,"num_words":1,"start":1119.63,"end":1119.95},{"sentences":[{"text":"yeah.","start":1119.8601,"end":1120.3601,"sentiment":"neutral","sentiment_score":0.04782707244157791}],"sentiment":"neutral","sentiment_score":0.04782707244157791,"channel":0,"num_words":1,"start":1119.8601,"end":1120.3601},{"sentences":[{"text":"fine.","start":1119.95,"end":1120.45,"sentiment":"neutral","sentiment_score":0.09331059455871582}],"sentiment":"neutral","sentiment_score":0.09331059455871582,"channel":1,"num_words":1,"start":1119.95,"end":1120.45},{"sentences":[{"text":"That","start":1120.5801,"end":1120.7401,"sentiment":"neutral","sentiment_score":0.07988784462213516}],"sentiment":"neutral","sentiment_score":0.07988784462213516,"channel":0,"num_words":1,"start":1120.5801,"end":1120.7401},{"sentences":[{"text":"Yeah.","start":1120.67,"end":1121.17,"sentiment":"neutral","sentiment_score":0.1289542317390442}],"sentiment":"neutral","sentiment_score":0.1289542317390442,"channel":1,"num_words":1,"start":1120.67,"end":1121.17},{"sentences":[{"text":"that's okay.","start":1120.8201,"end":1121.8,"sentiment":"neutral","sentiment_score":0.23765139281749725},{"text":"All good.","start":1121.8601,"end":1122.6001,"sentiment":"positive","sentiment_score":0.4011331796646118},{"text":"At the moment, the total premium paid out of Super four year policy, you paid $431.83 for the year by adding the income protection.","start":1123.245,"end":1132.765,"sentiment":"neutral","sentiment_score":0.10279670228128848},{"text":"And we're adding it with MetLife because we're attaching it to your current life and TPD policy, which means that we do get a discount.","start":1132.765,"end":1139.67,"sentiment":"neutral","sentiment_score":0.26994190096855164},{"text":"We get a multi policy discount for linking them.","start":1139.67,"end":1142.33,"sentiment":"neutral","sentiment_score":0.3314719531271193}],"sentiment":"neutral","sentiment_score":0.2192407934392085,"channel":0,"num_words":62,"start":1120.8201,"end":1142.33},{"sentences":[{"text":"And it essentially","start":1142.55,"end":1143.35,"sentiment":"neutral","sentiment_score":0.19881821672121683}],"sentiment":"neutral","sentiment_score":0.19881821672121683,"channel":0,"num_words":3,"start":1142.55,"end":1143.35},{"sentences":[{"text":"Mhmm.","start":1143.17,"end":1143.67,"sentiment":"neutral","sentiment_score":0.16872738301753998}],"sentiment":"neutral","sentiment_score":0.16872738301753998,"channel":1,"num_words":1,"start":1143.17,"end":1143.67},{"sentences":[{"text":"means that it would increase your total premium to $1,467.24.","start":1143.35,"end":1149.69,"sentiment":"neutral","sentiment_score":0.20156366378068924},{"text":"That is the amount that's taken out of super for that for the year.","start":1149.83,"end":1153.21,"sentiment":"neutral","sentiment_score":0.1720079013279506},{"text":"You the insurer actually receives the $1,726.17.","start":1153.695,"end":1159.235,"sentiment":"neutral","sentiment_score":0.16269843067441667},{"text":"But because of the way taxation is in super, you get a rebate or a bit of a discount for the premium when it is taken out of the super system.","start":1159.455,"end":1166.895,"sentiment":"neutral","sentiment_score":0.23627554697375144},{"text":"So you actually pay a little bit less to that, 15% less for the premium than what the insurer receives, which is great.","start":1166.895,"end":1174.13,"sentiment":"positive","sentiment_score":0.3851601377777431}],"sentiment":"neutral","sentiment_score":0.25583366348462944,"channel":0,"num_words":85,"start":1143.35,"end":1174.13},{"sentences":[{"text":"It would be great if we got those kinds of discounts all the time.","start":1174.13,"end":1176.53,"sentiment":"positive","sentiment_score":0.3370928338595799},{"text":"Unfortunately, it's just the super.","start":1176.53,"end":1178.15,"sentiment":"negative","sentiment_score":-0.44071624875068666}],"sentiment":"neutral","sentiment_score":0.13240623317266764,"channel":0,"num_words":19,"start":1174.13,"end":1178.15},{"sentences":[{"text":"Yep.","start":1179.35,"end":1179.85,"sentiment":"neutral","sentiment_score":-0.023503482341766357},{"text":"So","start":1180.15,"end":1180.65,"sentiment":"neutral","sentiment_score":-0.0263198409229517}],"sentiment":"neutral","sentiment_score":-0.024911661632359028,"channel":1,"num_words":2,"start":1179.35,"end":1180.65},{"sentences":[{"text":"So that's just, Yeah.","start":1180.21,"end":1181.595,"sentiment":"neutral","sentiment_score":-0.0061505259945988655},{"text":"Sure.","start":1181.595,"end":1182.095,"sentiment":"neutral","sentiment_score":0.036924488842487335}],"sentiment":"neutral","sentiment_score":0.0024644769728183746,"channel":0,"num_words":5,"start":1180.21,"end":1182.095},{"sentences":[{"text":"monthly benefit.","start":1184.345,"end":1185.3251,"sentiment":"neutral","sentiment_score":0.06345353461802006},{"text":"So currently, my premium, which is just the PPD","start":1186.105,"end":1191.3251,"sentiment":"neutral","sentiment_score":0.008939764979812834}],"sentiment":"neutral","sentiment_score":0.018851359459486874,"channel":1,"num_words":11,"start":1184.345,"end":1191.3251},{"sentences":[{"text":"Mhmm.","start":1192.235,"end":1192.5549,"sentiment":"neutral","sentiment_score":-0.021753856912255287},{"text":"A lice NTBD.","start":1192.5549,"end":1193.535,"sentiment":"neutral","sentiment_score":-0.022480648010969162}],"sentiment":"neutral","sentiment_score":-0.022298950236290693,"channel":0,"num_words":4,"start":1192.235,"end":1193.535},{"sentences":[{"text":"am I saying sorry.","start":1193.225,"end":1194.4451,"sentiment":"neutral","sentiment_score":-0.03530432237312198},{"text":"Life and PPD","start":1194.505,"end":1195.405,"sentiment":"neutral","sentiment_score":-0.010947166321178278}],"sentiment":"neutral","sentiment_score":-0.024865541208003248,"channel":1,"num_words":7,"start":1193.225,"end":1195.405},{"sentences":[{"text":"Yeah.","start":1195.115,"end":1195.41,"sentiment":"neutral","sentiment_score":0.007332352921366692},{"text":"Yeah.","start":1195.9701,"end":1196.4701,"sentiment":"neutral","sentiment_score":0.008472712710499763}],"sentiment":"neutral","sentiment_score":0.007902532815933228,"channel":0,"num_words":2,"start":1195.115,"end":1196.4701},{"sentences":[{"text":"is $5.00 8 a year.","start":1196.0599,"end":1198.46,"sentiment":"neutral","sentiment_score":-0.009363086149096488},{"text":"Is that what we're saying?","start":1198.46,"end":1199.52,"sentiment":"neutral","sentiment_score":-0.016668824944645166}],"sentiment":"neutral","sentiment_score":-0.013015955546870827,"channel":1,"num_words":10,"start":1196.0599,"end":1199.52},{"sentences":[{"text":"That's how, yeah, that's how much the insurer has received.","start":1199.0901,"end":1202.31,"sentiment":"neutral","sentiment_score":0.03628686834126711},{"text":"The amount that's come out of super is the $4.31.","start":1202.6901,"end":1205.41,"sentiment":"neutral","sentiment_score":0.07634085975587368},{"text":"You get a 15","start":1205.41,"end":1206.2101,"sentiment":"neutral","sentiment_score":0.10924258455634117}],"sentiment":"neutral","sentiment_score":0.06513531746653219,"channel":0,"num_words":24,"start":1199.0901,"end":1206.2101},{"sentences":[{"text":"Okay.","start":1205.9,"end":1206.4,"sentiment":"neutral","sentiment_score":0.07632653415203094}],"sentiment":"neutral","sentiment_score":0.07632653415203094,"channel":1,"num_words":1,"start":1205.9,"end":1206.4},{"sentences":[{"text":"percent discount on that.","start":1206.2101,"end":1207.3301,"sentiment":"neutral","sentiment_score":0.15014957450330257},{"text":"So you pay a little bit less for the premium.","start":1207.3301,"end":1209.43,"sentiment":"neutral","sentiment_score":0.11874800845980645},{"text":"And then","start":1209.885,"end":1210.405,"sentiment":"neutral","sentiment_score":0.0377839058637619}],"sentiment":"neutral","sentiment_score":0.11647788714617491,"channel":0,"num_words":16,"start":1206.2101,"end":1210.405},{"sentences":[{"text":"And then","start":1210.155,"end":1210.895,"sentiment":"neutral","sentiment_score":0.023174858652055264}],"sentiment":"neutral","sentiment_score":0.023174858652055264,"channel":1,"num_words":2,"start":1210.155,"end":1210.895},{"sentences":[{"text":"if you","start":1210.405,"end":1211.265,"sentiment":"neutral","sentiment_score":0.011781408917158842}],"sentiment":"neutral","sentiment_score":0.011781408917158842,"channel":0,"num_words":2,"start":1210.405,"end":1211.265},{"sentences":[{"text":"the","start":1211.835,"end":1212.335,"sentiment":"neutral","sentiment_score":-0.0033950861543416977}],"sentiment":"neutral","sentiment_score":-0.0033950861543416977,"channel":1,"num_words":1,"start":1211.835,"end":1212.335},{"sentences":[{"text":"yep.","start":1212.125,"end":1212.625,"sentiment":"neutral","sentiment_score":-0.010653490200638773}],"sentiment":"neutral","sentiment_score":-0.010653490200638773,"channel":0,"num_words":1,"start":1212.125,"end":1212.625},{"sentences":[{"text":"life sorry.","start":1212.555,"end":1213.835,"sentiment":"neutral","sentiment_score":-0.021190012339502573},{"text":"The the income","start":1213.835,"end":1215.375,"sentiment":"neutral","sentiment_score":0.002825067068139712}],"sentiment":"neutral","sentiment_score":-0.006780964694917202,"channel":1,"num_words":5,"start":1212.555,"end":1215.375},{"sentences":[{"text":"Yep.","start":1215.965,"end":1216.465,"sentiment":"neutral","sentiment_score":0.009227286092936993}],"sentiment":"neutral","sentiment_score":0.009227286092936993,"channel":0,"num_words":1,"start":1215.965,"end":1216.465},{"sentences":[{"text":"insurance","start":1216.075,"end":1216.575,"sentiment":"neutral","sentiment_score":0.003232046961784363}],"sentiment":"neutral","sentiment_score":0.003232046961784363,"channel":1,"num_words":1,"start":1216.075,"end":1216.575},{"sentences":[{"text":"Yep.","start":1217.165,"end":1217.665,"sentiment":"neutral","sentiment_score":0.010273125022649763}],"sentiment":"neutral","sentiment_score":0.010273125022649763,"channel":0,"num_words":1,"start":1217.165,"end":1217.665},{"sentences":[{"text":"is the 1,160","start":1217.195,"end":1220.175,"sentiment":"neutral","sentiment_score":0.012707766145467758}],"sentiment":"neutral","sentiment_score":0.012707766145467758,"channel":1,"num_words":3,"start":1217.195,"end":1220.175},{"sentences":[{"text":"Yep.","start":1220.515,"end":1220.765,"sentiment":"neutral","sentiment_score":0.01036409754306078}],"sentiment":"neutral","sentiment_score":0.01036409754306078,"channel":0,"num_words":1,"start":1220.515,"end":1220.765},{"sentences":[{"text":"as stand","start":1220.555,"end":1221.115,"sentiment":"neutral","sentiment_score":0.001710265874862671}],"sentiment":"neutral","sentiment_score":0.001710265874862671,"channel":1,"num_words":2,"start":1220.555,"end":1221.115},{"sentences":[{"text":"Yep.","start":1220.765,"end":1221.265,"sentiment":"neutral","sentiment_score":0.012101709842681885}],"sentiment":"neutral","sentiment_score":0.012101709842681885,"channel":0,"num_words":1,"start":1220.765,"end":1221.265},{"sentences":[{"text":"alone.","start":1221.115,"end":1221.615,"sentiment":"neutral","sentiment_score":0.00019943714141845703},{"text":"And then, obviously, just adding them together to get to the one","start":1221.74,"end":1225.1,"sentiment":"neutral","sentiment_score":0.027581510754923027}],"sentiment":"neutral","sentiment_score":0.02547519740003806,"channel":1,"num_words":13,"start":1221.115,"end":1225.1},{"sentences":[{"text":"Correct.","start":1225.085,"end":1225.53,"sentiment":"neutral","sentiment_score":0.0263440553098917}],"sentiment":"neutral","sentiment_score":0.0263440553098917,"channel":0,"num_words":1,"start":1225.085,"end":1225.53},{"sentences":[{"text":"467.","start":1225.1,"end":1226.38,"sentiment":"neutral","sentiment_score":0.009339946322143078}],"sentiment":"neutral","sentiment_score":0.009339946322143078,"channel":1,"num_words":1,"start":1225.1,"end":1226.38},{"sentences":[{"text":"Yep.","start":1226.17,"end":1226.67,"sentiment":"neutral","sentiment_score":0.03107387386262417}],"sentiment":"neutral","sentiment_score":0.03107387386262417,"channel":0,"num_words":1,"start":1226.17,"end":1226.67},{"sentences":[{"text":"Yeah.","start":1226.38,"end":1226.62,"sentiment":"neutral","sentiment_score":0.04182089120149613},{"text":"Okay.","start":1226.62,"end":1227.12,"sentiment":"neutral","sentiment_score":0.05566325783729553}],"sentiment":"neutral","sentiment_score":0.04874207451939583,"channel":1,"num_words":2,"start":1226.38,"end":1227.12},{"sentences":[{"text":"Yep.","start":1226.89,"end":1227.39,"sentiment":"neutral","sentiment_score":0.05136808007955551},{"text":"Yep.","start":1227.4501,"end":1227.9501,"sentiment":"neutral","sentiment_score":0.05547397583723068}],"sentiment":"neutral","sentiment_score":0.0534210279583931,"channel":0,"num_words":2,"start":1226.89,"end":1227.9501},{"sentences":[{"text":"Yeah.","start":1230.38,"end":1230.62,"sentiment":"neutral","sentiment_score":0.06563696265220642},{"text":"Okay.","start":1230.62,"end":1231.1,"sentiment":"neutral","sentiment_score":0.06067894399166107},{"text":"So what that's","start":1231.1,"end":1231.9,"sentiment":"neutral","sentiment_score":0.04706797624627749}],"sentiment":"neutral","sentiment_score":0.053503967076539996,"channel":1,"num_words":5,"start":1230.38,"end":1231.9},{"sentences":[{"text":"Yeah.","start":1231.6901,"end":1232.1901,"sentiment":"neutral","sentiment_score":0.05280166119337082}],"sentiment":"neutral","sentiment_score":0.05280166119337082,"channel":0,"num_words":1,"start":1231.6901,"end":1232.1901},{"sentences":[{"text":"1,100 across the year.","start":1231.9,"end":1234.0801,"sentiment":"neutral","sentiment_score":0.11261575110256672},{"text":"I'll have","start":1236.465,"end":1236.785,"sentiment":"neutral","sentiment_score":0.04463519621640444}],"sentiment":"neutral","sentiment_score":0.08995556614051263,"channel":1,"num_words":6,"start":1231.9,"end":1236.785},{"sentences":[{"text":"Yeah.","start":1236.73,"end":1237.23,"sentiment":"neutral","sentiment_score":0.03260307013988495}],"sentiment":"neutral","sentiment_score":0.03260307013988495,"channel":0,"num_words":1,"start":1236.73,"end":1237.23},{"sentences":[{"text":"a think and see what I","start":1236.785,"end":1237.985,"sentiment":"neutral","sentiment_score":0.006393865992625554}],"sentiment":"neutral","sentiment_score":0.006393865992625554,"channel":1,"num_words":6,"start":1236.785,"end":1237.985},{"sentences":[{"text":"Yeah.","start":1237.85,"end":1238.35,"sentiment":"neutral","sentiment_score":0.02082917653024197}],"sentiment":"neutral","sentiment_score":0.02082917653024197,"channel":0,"num_words":1,"start":1237.85,"end":1238.35},{"sentences":[{"text":"do with yeah.","start":1237.985,"end":1239.685,"sentiment":"neutral","sentiment_score":0.03104233990112941}],"sentiment":"neutral","sentiment_score":0.03104233990112941,"channel":1,"num_words":3,"start":1237.985,"end":1239.685},{"sentences":[{"text":"Absolutely.","start":1240.245,"end":1240.725,"sentiment":"neutral","sentiment_score":-0.048144079744815826},{"text":"In the appendices that we have attached, as I mentioned last time, I also added the alternative projection to show, obviously, the projected outcome if you decide not to take the income protection side of things, because one of the things we talked about was whether you felt like you needed income protection at the time.","start":1240.725,"end":1255.545,"sentiment":"neutral","sentiment_score":-0.07861777050753258}],"sentiment":"neutral","sentiment_score":-0.0780831443538007,"channel":0,"num_words":57,"start":1240.245,"end":1255.545},{"sentences":[{"text":"Yeah.","start":1255.92,"end":1256.42,"sentiment":"neutral","sentiment_score":0.03533760830760002}],"sentiment":"neutral","sentiment_score":0.03533760830760002,"channel":1,"num_words":1,"start":1255.92,"end":1256.42},{"sentences":[{"text":"With the with the ten year projection, obviously, it shows in the SOA there on page 18 that over the next ten years, given the current projection table, you could end up with $3.71 in five years' time or 623,000 in ten years' time.","start":1256.07,"end":1271.635,"sentiment":"neutral","sentiment_score":0.0716695435853167},{"text":"With not taking the income protection, if you decide you don't need that anymore, then, obviously, the projection is increased by a difference of about 14,398.","start":1271.855,"end":1282.175,"sentiment":"neutral","sentiment_score":-0.10161552019417286},{"text":"So over the course of ten years, we're still moving into the newer portfolio and making the other changes but not taking income protection.","start":1282.175,"end":1289.47,"sentiment":"neutral","sentiment_score":0.005266470834612846},{"text":"The ten year premium projection means you could end up with about 637,000.","start":1289.85,"end":1294.59,"sentiment":"neutral","sentiment_score":0.1222029385658411},{"text":"So it's a little over $14,000 difference in the ten year projected outcome, but it also comes down to your comfort level as well.","start":1294.65,"end":1302.495,"sentiment":"neutral","sentiment_score":0.10317508534838755}],"sentiment":"neutral","sentiment_score":0.03589841177445332,"channel":0,"num_words":131,"start":1256.07,"end":1302.495},{"sentences":[{"text":"So you're welcome to","start":1302.495,"end":1303.695,"sentiment":"positive","sentiment_score":0.3631192594766617}],"sentiment":"positive","sentiment_score":0.3631192594766617,"channel":0,"num_words":4,"start":1302.495,"end":1303.695},{"sentences":[{"text":"Yes.","start":1303.54,"end":1304.04,"sentiment":"positive","sentiment_score":0.43011921644210815}],"sentiment":"positive","sentiment_score":0.43011921644210815,"channel":1,"num_words":1,"start":1303.54,"end":1304.04},{"sentences":[{"text":"run your eyes over that.","start":1303.695,"end":1304.735,"sentiment":"positive","sentiment_score":0.4467338025569916},{"text":"Have a think about what your goals are and what your level what your comfort level is.","start":1304.735,"end":1309.155,"sentiment":"positive","sentiment_score":0.3460441985551049},{"text":"And if you decide you don't want the income protection, that's absolutely fine.","start":1309.535,"end":1313.6699,"sentiment":"neutral","sentiment_score":0.04008658688801985},{"text":"On the very last page, we've got that little multiline text box for you.","start":1313.6699,"end":1318.3099,"sentiment":"neutral","sentiment_score":0.008083738486415573},{"text":"You can just make a note in there that outlines what you are not wanting to take on board as part of the recommendations.","start":1318.3099,"end":1323.85,"sentiment":"neutral","sentiment_score":-0.06671389813224475}],"sentiment":"neutral","sentiment_score":0.09793951782742388,"channel":0,"num_words":73,"start":1303.695,"end":1323.85},{"sentences":[{"text":"Okay?","start":1324.47,"end":1324.97,"sentiment":"neutral","sentiment_score":0.05351262167096138}],"sentiment":"neutral","sentiment_score":0.05351262167096138,"channel":0,"num_words":1,"start":1324.47,"end":1324.97},{"sentences":[{"text":"Yep.","start":1325.685,"end":1326.185,"sentiment":"neutral","sentiment_score":0.21495208144187927}],"sentiment":"neutral","sentiment_score":0.21495208144187927,"channel":1,"num_words":1,"start":1325.685,"end":1326.185},{"sentences":[{"text":"Excellent.","start":1327.19,"end":1327.69,"sentiment":"positive","sentiment_score":0.5595975518226624},{"text":"Essentially, keeping it with MetLife is appropriate because, obviously, you get a bit of a discount when you link all the policies together.","start":1329.195,"end":1336.415,"sentiment":"neutral","sentiment_score":0.3188560099705406},{"text":"MetLife also has some additional other benefits there, so I'm not really sure if you're aware.","start":1336.715,"end":1341.115,"sentiment":"neutral","sentiment_score":0.1951747634448111},{"text":"But as you still you do have life and TBD with MetLife.","start":1341.115,"end":1344.6,"sentiment":"neutral","sentiment_score":0.27103763073682785},{"text":"You do have access to the MetLife three sixty health.","start":1345.06,"end":1348.2001,"sentiment":"positive","sentiment_score":0.37244165539741514}],"sentiment":"neutral","sentiment_score":0.2902088728883574,"channel":0,"num_words":62,"start":1327.19,"end":1348.2001},{"sentences":[{"text":"That's at no additional cost to yourself, and it provides virtual access to a range of health and well-being services to you and your family members.","start":1348.26,"end":1355.24,"sentiment":"positive","sentiment_score":0.46050459117843556},{"text":"These include things like mental health support, expert medical opinions, nutrition, fitness, and mobility, and recovery.","start":1355.785,"end":1361.805,"sentiment":"neutral","sentiment_score":0.18520448077470064},{"text":"If you have a look in the PDF that I have attached there for you, it outlines a bit more about the MetLife three sixty health platform and what that can help you with.","start":1362.505,"end":1371.21,"sentiment":"neutral","sentiment_score":0.319489346269299},{"text":"And because you've got that life and TPD with MetLife, even if you don't take the income protection side of things, you still got access to that benefit.","start":1371.69,"end":1378.99,"sentiment":"positive","sentiment_score":0.4074779488146305},{"text":"So have a look in the PDF there as to what kind of benefits that they offer.","start":1379.13,"end":1383.23,"sentiment":"neutral","sentiment_score":0.3106207347968045}],"sentiment":"positive","sentiment_score":0.35114846193839694,"channel":0,"num_words":121,"start":1348.26,"end":1383.23},{"sentences":[{"text":"You might be able to get some, you know, free nutritional fitness mobility, you know, clinical support from doctors and things like that as well.","start":1383.525,"end":1391.785,"sentiment":"positive","sentiment_score":0.38232157468795774},{"text":"Okay?","start":1391.8451,"end":1392.3451,"sentiment":"neutral","sentiment_score":0.2528095543384552},{"text":"Yeah.","start":1395.365,"end":1395.765,"sentiment":"positive","sentiment_score":0.4531831443309784},{"text":"Excellent.","start":1395.765,"end":1396.265,"sentiment":"positive","sentiment_score":0.6531810164451599},{"text":"If you scroll down a little bit further for me just to, sorry, page number 30, this is essentially going through the next part of the recommendations with the insurances.","start":1397.045,"end":1409.04,"sentiment":"neutral","sentiment_score":0.05897577096863339}],"sentiment":"neutral","sentiment_score":0.21873252088573344,"channel":0,"num_words":58,"start":1383.525,"end":1409.04},{"sentences":[{"text":"So the other side of it was looking at trauma","start":1409.42,"end":1411.8201,"sentiment":"neutral","sentiment_score":-0.04650095887482166}],"sentiment":"neutral","sentiment_score":-0.04650095887482166,"channel":0,"num_words":10,"start":1409.42,"end":1411.8201},{"sentences":[{"text":"Mhmm.","start":1411.43,"end":1411.93,"sentiment":"neutral","sentiment_score":-0.050070855766534805}],"sentiment":"neutral","sentiment_score":-0.050070855766534805,"channel":1,"num_words":1,"start":1411.43,"end":1411.93},{"sentences":[{"text":"for yourself and then child trauma for the two kids,","start":1411.8201,"end":1414.8,"sentiment":"neutral","sentiment_score":-0.0688279889523983}],"sentiment":"neutral","sentiment_score":-0.0688279889523983,"channel":0,"num_words":10,"start":1411.8201,"end":1414.8},{"sentences":[{"text":"Yep.","start":1415.51,"end":1416.01,"sentiment":"neutral","sentiment_score":-0.023990456014871597}],"sentiment":"neutral","sentiment_score":-0.023990456014871597,"channel":1,"num_words":1,"start":1415.51,"end":1416.01},{"sentences":[{"text":"looking at around about a 120,000 of trauma for yourself paid out of pocket, and then making sure that the kids had a 100,000 of child trauma age as well to make sure that they were covered.","start":1415.745,"end":1427.045,"sentiment":"neutral","sentiment_score":-0.04649972905581062},{"text":"I did review the last recommendation with the newer policies.","start":1427.6699,"end":1432.1699,"sentiment":"neutral","sentiment_score":-0.018753070197999478},{"text":"I'm still recommending Clearview for that solely because Clearview is still a really good policy provider.","start":1432.5499,"end":1438.8899,"sentiment":"neutral","sentiment_score":0.17512209806591272},{"text":"MetLife don't offer child trauma policies.","start":1439.0299,"end":1441.35,"sentiment":"neutral","sentiment_score":-0.24318363517522812},{"text":"They have, like, an optional extras policy, but it's not child trauma as such.","start":1441.35,"end":1446.075,"sentiment":"neutral","sentiment_score":-0.14013435691595078}],"sentiment":"neutral","sentiment_score":-0.030446384528494744,"channel":0,"num_words":83,"start":1415.745,"end":1446.075},{"sentences":[{"text":"So we did have to look elsewhere to make sure that you could have those set policies.","start":1446.075,"end":1449.855,"sentiment":"neutral","sentiment_score":-0.1599927281632143},{"text":"For Oliver and Parker, we're looking at the same as last time.","start":1450.635,"end":1455.87,"sentiment":"neutral","sentiment_score":0.017289730060535174},{"text":"I am also recommending that we add a little bit of life cover to the trauma policy.","start":1455.87,"end":1459.65,"sentiment":"neutral","sentiment_score":0.1320171141449143},{"text":"Essentially, it does work out a lot cheaper to link the policies together.","start":1459.79,"end":1463.31,"sentiment":"neutral","sentiment_score":0.3301584697686709},{"text":"You get that multi policy discount side of things.","start":1463.31,"end":1466.13,"sentiment":"neutral","sentiment_score":0.2992661926481459}],"sentiment":"neutral","sentiment_score":0.09878451710649054,"channel":0,"num_words":68,"start":1446.075,"end":1466.13},{"sentences":[{"text":"So by linking the trauma and the the life together, it essentially shows the monthly premium expected is $28.71 there.","start":1467.0701,"end":1476.765,"sentiment":"neutral","sentiment_score":0.17767400816082954},{"text":"If we just looked at the trauma policy and the child trauma on its own without the additional sorry.","start":1476.985,"end":1486.64,"sentiment":"neutral","sentiment_score":0.04939520182578187},{"text":"I'm just gonna add these two together because it's $17.26 and $28.71 to include all the policies.","start":1486.64,"end":1494.88,"sentiment":"neutral","sentiment_score":0.08281475299736485},{"text":"So for the child trauma policies and the life and trauma for yourself, the two policies added together, it's $45.97.","start":1494.88,"end":1502.475,"sentiment":"neutral","sentiment_score":0.05149156199768186},{"text":"If we did not link the life policy to that, the out of pocket premium for your adult cover plus the child trauma policies was about $54.43.","start":1502.475,"end":1511.835,"sentiment":"neutral","sentiment_score":0.0684355146906994}],"sentiment":"neutral","sentiment_score":0.08524132531830202,"channel":0,"num_words":103,"start":1467.0701,"end":1511.835},{"sentences":[{"text":"So it worked out cheaper to link a little bit of life cover to it.","start":1511.835,"end":1515.73,"sentiment":"neutral","sentiment_score":0.2126366004347801},{"text":"But then, also,","start":1516.11,"end":1516.91,"sentiment":"neutral","sentiment_score":0.08987306306759517}],"sentiment":"neutral","sentiment_score":0.19217601087358263,"channel":0,"num_words":18,"start":1511.835,"end":1516.91},{"sentences":[{"text":"Mhmm.","start":1516.625,"end":1517.125,"sentiment":"neutral","sentiment_score":0.07013195753097534}],"sentiment":"neutral","sentiment_score":0.07013195753097534,"channel":1,"num_words":1,"start":1516.625,"end":1517.125},{"sentences":[{"text":"one of the benefits to having that life cover outside of SUFA is you do get that funeral benefit as well.","start":1516.91,"end":1522.51,"sentiment":"neutral","sentiment_score":0.2415801818881716},{"text":"So if in the event that you were to pass away with just having that life cover held inside super, there's no upfront kind of immediate expenses for funeral costs that can be paid out.","start":1522.51,"end":1533.885,"sentiment":"neutral","sentiment_score":0.11770780554839542},{"text":"Your family has to go through the claims process to have the money released, Whereas having this little","start":1533.885,"end":1538.62,"sentiment":"neutral","sentiment_score":0.04885237224193083}],"sentiment":"neutral","sentiment_score":0.13611215830000267,"channel":0,"num_words":74,"start":1516.91,"end":1538.62},{"sentences":[{"text":"Yes.","start":1538.475,"end":1538.975,"sentiment":"neutral","sentiment_score":0.08477623760700226}],"sentiment":"neutral","sentiment_score":0.08477623760700226,"channel":1,"num_words":1,"start":1538.475,"end":1538.975},{"sentences":[{"text":"bit of insurance or life cover outside of super means that once the the death certificate is provided, your family or your executor of your will can go and claim, or the beneficiary, you know, whoever you sort of nominated can go and claim that 25,000 from Clearview as an upfront cost to cover your to your funeral, sorry, and any immediate expenses that are sort of brought up as due to the your passing or related to the kids around those sorts of areas.","start":1538.62,"end":1565.155,"sentiment":"neutral","sentiment_score":0.10150292235262254},{"text":"So it does provide you with that benefit that you don't get with having that life cover inside super, but it's also making the total policies cheaper between the three of them by giving you that multi policy discount there as well.","start":1565.155,"end":1577.805,"sentiment":"positive","sentiment_score":0.3495483519065948},{"text":"Again, this is sort of showing you how it works.","start":1578.045,"end":1580.125,"sentiment":"neutral","sentiment_score":0.25727430135011675},{"text":"In the appendices, I've also got a breakdown of just stand alone trauma policy with the child trauma there just so you can see the difference and you get to decide what's more comfortable for you.","start":1580.125,"end":1590.925,"sentiment":"neutral","sentiment_score":0.15726425188283125},{"text":"Okay?","start":1590.925,"end":1591.425,"sentiment":"neutral","sentiment_score":0.17540903389453888}],"sentiment":"neutral","sentiment_score":0.18228990974268694,"channel":0,"num_words":174,"start":1538.62,"end":1591.425},{"sentences":[{"text":"Cool.","start":1593.7999,"end":1594.005,"sentiment":"positive","sentiment_score":0.5917078256607056}],"sentiment":"positive","sentiment_score":0.5917078256607056,"channel":1,"num_words":1,"start":1593.7999,"end":1594.005},{"sentences":[{"text":"Excellent.","start":1595.04,"end":1595.54,"sentiment":"positive","sentiment_score":0.6170134544372559},{"text":"That is essentially most of the recommendations around it around that we've made.","start":1596.08,"end":1600.8201,"sentiment":"neutral","sentiment_score":0.3200787133895434},{"text":"You've got the advantages, disadvantages, the risks involved.","start":1601.04,"end":1603.76,"sentiment":"neutral","sentiment_score":0.13232880271971226},{"text":"I've also noted the best interest, Judy, and linked all of this back to your goals as well.","start":1603.76,"end":1607.5349,"sentiment":"positive","sentiment_score":0.4353627132044898},{"text":"So you're welcome to have a bit of a read through.","start":1607.5349,"end":1609.715,"sentiment":"positive","sentiment_score":0.36730964617295697}],"sentiment":"positive","sentiment_score":0.34732553129102667,"channel":0,"num_words":51,"start":1595.04,"end":1609.715},{"sentences":[{"text":"The only other","start":1610.1749,"end":1610.815,"sentiment":"neutral","sentiment_score":0.02250795563062032}],"sentiment":"neutral","sentiment_score":0.02250795563062032,"channel":0,"num_words":3,"start":1610.1749,"end":1610.815},{"sentences":[{"text":"And","start":1610.59,"end":1611.09,"sentiment":"neutral","sentiment_score":-0.013642685487866402}],"sentiment":"neutral","sentiment_score":-0.013642685487866402,"channel":1,"num_words":1,"start":1610.59,"end":1611.09},{"sentences":[{"text":"thing to kinda","start":1610.815,"end":1611.5349,"sentiment":"neutral","sentiment_score":-0.050689068933327995}],"sentiment":"neutral","sentiment_score":-0.050689068933327995,"channel":0,"num_words":3,"start":1610.815,"end":1611.5349},{"sentences":[{"text":"sorry, Dana?","start":1611.23,"end":1612.13,"sentiment":"neutral","sentiment_score":-0.06876040622591972}],"sentiment":"neutral","sentiment_score":-0.06876040622591972,"channel":1,"num_words":2,"start":1611.23,"end":1612.13},{"sentences":[{"text":"yes.","start":1611.9349,"end":1612.4149,"sentiment":"neutral","sentiment_score":0.001936023123562336},{"text":"Yeah.","start":1612.4149,"end":1612.815,"sentiment":"neutral","sentiment_score":0.03083796799182892},{"text":"Sure.","start":1612.815,"end":1613.315,"sentiment":"neutral","sentiment_score":0.015004340559244156}],"sentiment":"neutral","sentiment_score":0.015926110558211803,"channel":0,"num_words":3,"start":1611.9349,"end":1613.315},{"sentences":[{"text":"With the children, is it","start":1613.07,"end":1615.33,"sentiment":"neutral","sentiment_score":0.007386140897870064}],"sentiment":"neutral","sentiment_score":0.007386140897870064,"channel":1,"num_words":5,"start":1613.07,"end":1615.33},{"sentences":[{"text":"Yes.","start":1615.0549,"end":1615.5549,"sentiment":"neutral","sentiment_score":0.024816861376166344}],"sentiment":"neutral","sentiment_score":0.024816861376166344,"channel":0,"num_words":1,"start":1615.0549,"end":1615.5549},{"sentences":[{"text":"per child, or is it both","start":1615.39,"end":1617.07,"sentiment":"neutral","sentiment_score":0.013857607884953419}],"sentiment":"neutral","sentiment_score":0.013857607884953419,"channel":1,"num_words":6,"start":1615.39,"end":1617.07},{"sentences":[{"text":"It","start":1617.0549,"end":1617.2949,"sentiment":"neutral","sentiment_score":0.015905670821666718}],"sentiment":"neutral","sentiment_score":0.015905670821666718,"channel":0,"num_words":1,"start":1617.0549,"end":1617.2949},{"sentences":[{"text":"a nominator","start":1617.07,"end":1617.65,"sentiment":"neutral","sentiment_score":0.029175597243010998}],"sentiment":"neutral","sentiment_score":0.029175597243010998,"channel":1,"num_words":2,"start":1617.07,"end":1617.65},{"sentences":[{"text":"is.","start":1617.2949,"end":1617.7949,"sentiment":"neutral","sentiment_score":0.013644222170114515}],"sentiment":"neutral","sentiment_score":0.013644222170114515,"channel":0,"num_words":1,"start":1617.2949,"end":1617.7949},{"sentences":[{"text":"on it?","start":1617.87,"end":1618.5299,"sentiment":"neutral","sentiment_score":0.0073171257972717285}],"sentiment":"neutral","sentiment_score":0.0073171257972717285,"channel":1,"num_words":2,"start":1617.87,"end":1618.5299},{"sentences":[{"text":"No.","start":1618.495,"end":1618.6549,"sentiment":"neutral","sentiment_score":-0.057696375995874405},{"text":"No.","start":1618.6549,"end":1618.8949,"sentiment":"neutral","sentiment_score":-0.06335677206516266},{"text":"It's a 100,000 per child.","start":1618.8949,"end":1620.84,"sentiment":"neutral","sentiment_score":-0.02753150388598442}],"sentiment":"neutral","sentiment_score":-0.036958666784422736,"channel":0,"num_words":7,"start":1618.495,"end":1620.84},{"sentences":[{"text":"Yeah.","start":1621.725,"end":1621.965,"sentiment":"neutral","sentiment_score":0.018598448485136032},{"text":"Okay.","start":1621.965,"end":1622.445,"sentiment":"neutral","sentiment_score":0.020541582256555557},{"text":"So the 17 covers both, or I it's 17 times two.","start":1622.445,"end":1625.885,"sentiment":"neutral","sentiment_score":0.010186509229242802},{"text":"No?","start":1625.885,"end":1626.385,"sentiment":"neutral","sentiment_score":-0.01231204066425562}],"sentiment":"neutral","sentiment_score":0.009919970828507627,"channel":1,"num_words":14,"start":1621.725,"end":1626.385},{"sentences":[{"text":"Yeah.","start":1626.0399,"end":1626.36,"sentiment":"neutral","sentiment_score":0.00207679346203804},{"text":"No.","start":1626.36,"end":1626.6,"sentiment":"neutral","sentiment_score":-0.02264435961842537},{"text":"It's it's 17 covers both.","start":1626.6,"end":1628.6799,"sentiment":"neutral","sentiment_score":0.0007466861046850681},{"text":"It's a monthly premium","start":1628.6799,"end":1629.7999,"sentiment":"neutral","sentiment_score":0.003848889231448993}],"sentiment":"neutral","sentiment_score":-0.00013077988246963784,"channel":0,"num_words":11,"start":1626.0399,"end":1629.7999},{"sentences":[{"text":"Okay.","start":1629.645,"end":1630.145,"sentiment":"neutral","sentiment_score":0.007573394570499659}],"sentiment":"neutral","sentiment_score":0.007573394570499659,"channel":1,"num_words":1,"start":1629.645,"end":1630.145},{"sentences":[{"text":"for the two child trauma policies.","start":1629.7999,"end":1631.4199,"sentiment":"neutral","sentiment_score":0.008745437332739433},{"text":"Yeah.","start":1631.64,"end":1632.14,"sentiment":"neutral","sentiment_score":0.03531179949641228}],"sentiment":"neutral","sentiment_score":0.012540631927549839,"channel":0,"num_words":7,"start":1629.7999,"end":1632.14},{"sentences":[{"text":"Yeah.","start":1632.125,"end":1632.445,"sentiment":"neutral","sentiment_score":0.041626110672950745},{"text":"Okay.","start":1632.445,"end":1632.945,"sentiment":"neutral","sentiment_score":0.04637566953897476}],"sentiment":"neutral","sentiment_score":0.04400089010596275,"channel":1,"num_words":2,"start":1632.125,"end":1632.945},{"sentences":[{"text":"Yeah.","start":1633.64,"end":1634.14,"sentiment":"neutral","sentiment_score":0.05193428695201874}],"sentiment":"neutral","sentiment_score":0.05193428695201874,"channel":0,"num_words":1,"start":1633.64,"end":1634.14},{"sentences":[{"text":"Sorry.","start":1634.12,"end":1634.44,"sentiment":"neutral","sentiment_score":0.07197844982147217}],"sentiment":"neutral","sentiment_score":0.07197844982147217,"channel":1,"num_words":1,"start":1634.12,"end":1634.44},{"sentences":[{"text":"Yeah.","start":1634.2799,"end":1634.6799,"sentiment":"neutral","sentiment_score":0.18555276095867157}],"sentiment":"neutral","sentiment_score":0.18555276095867157,"channel":0,"num_words":1,"start":1634.2799,"end":1634.6799},{"sentences":[{"text":"Keep going.","start":1634.44,"end":1635.1799,"sentiment":"positive","sentiment_score":0.3366277664899826}],"sentiment":"positive","sentiment_score":0.3366277664899826,"channel":1,"num_words":2,"start":1634.44,"end":1635.1799},{"sentences":[{"text":"Nice.","start":1634.6799,"end":1635.1799,"sentiment":"positive","sentiment_score":0.4457407593727112},{"text":"No.","start":1635.4451,"end":1635.685,"sentiment":"neutral","sentiment_score":0.14841030538082123},{"text":"You're absolutely fine.","start":1635.685,"end":1637.045,"sentiment":"positive","sentiment_score":0.35132449865341187},{"text":"It's absolutely fine.","start":1637.045,"end":1638.265,"sentiment":"positive","sentiment_score":0.5360014537970225},{"text":"It just it's the way Cleave you kinda notice it, but it is just a $17.26 per month for that one.","start":1638.485,"end":1643.8451,"sentiment":"neutral","sentiment_score":0.2074925700823466}],"sentiment":"neutral","sentiment_score":0.2625335480632453,"channel":0,"num_words":29,"start":1634.6799,"end":1643.8451},{"sentences":[{"text":"And then the same as last time, like, with these policies, the best thing about them is that you're making or setting them up while they're young.","start":1643.8451,"end":1649.72,"sentiment":"positive","sentiment_score":0.3822362770636876},{"text":"So when they do turn 21, the policies revert to adult life policies, and they've had these policies in place.","start":1649.72,"end":1656.6799,"sentiment":"neutral","sentiment_score":0.30575538575649264},{"text":"So any additional there's no additional underwriting for the transfer of these policies to their name when they're older, which is kind of cool.","start":1656.6799,"end":1663.98,"sentiment":"positive","sentiment_score":0.3438044550518195},{"text":"It just sort of protects them in the event that something happens.","start":1664.595,"end":1667.335,"sentiment":"positive","sentiment_score":0.46933769434690475},{"text":"And it also pays out a lump sum benefit of the funds if they pass away as well.","start":1667.875,"end":1672.515,"sentiment":"positive","sentiment_score":0.34894583622614544}],"sentiment":"positive","sentiment_score":0.3623749653596689,"channel":0,"num_words":101,"start":1643.8451,"end":1672.515},{"sentences":[{"text":"So child trauma pays out in the event of a major traumatic condition, but if they pass away, you can also claim on that policy as well.","start":1672.515,"end":1680.09,"sentiment":"neutral","sentiment_score":0.21912414621975687},{"text":"So it kinda gives you a little bit of extra cover","start":1680.49,"end":1683.45,"sentiment":"neutral","sentiment_score":0.29648694125088776}],"sentiment":"neutral","sentiment_score":0.24151863951824212,"channel":0,"num_words":38,"start":1672.515,"end":1683.45},{"sentences":[{"text":"Okay.","start":1683.1549,"end":1683.6549,"sentiment":"neutral","sentiment_score":0.2029646784067154}],"sentiment":"neutral","sentiment_score":0.2029646784067154,"channel":1,"num_words":1,"start":1683.1549,"end":1683.6549},{"sentences":[{"text":"for a very small out of pocket cost, essentially.","start":1683.45,"end":1686.0299,"sentiment":"neutral","sentiment_score":0.2240343756145901}],"sentiment":"neutral","sentiment_score":0.2240343756145901,"channel":0,"num_words":9,"start":1683.45,"end":1686.0299},{"sentences":[{"text":"Yep.","start":1686.2749,"end":1686.7749,"sentiment":"neutral","sentiment_score":0.23383083939552307},{"text":"Yeah.","start":1687.3949,"end":1687.8949,"sentiment":"neutral","sentiment_score":0.25808772444725037}],"sentiment":"neutral","sentiment_score":0.24595928192138672,"channel":1,"num_words":2,"start":1686.2749,"end":1687.8949},{"sentences":[{"text":"Yeah.","start":1687.5299,"end":1688.0299,"sentiment":"neutral","sentiment_score":0.3324429392814636},{"text":"All good.","start":1688.65,"end":1689.47,"sentiment":"positive","sentiment_score":0.5451951920986176},{"text":"The other side of that is just the beneficiary side.","start":1690.25,"end":1692.7251,"sentiment":"neutral","sentiment_score":0.16428960263729095},{"text":"So we did make that we did talk about how you wanted in the event of passing, essentially, the funds to be paid directly to your two kids.","start":1692.7251,"end":1700.505,"sentiment":"neutral","sentiment_score":0.17647748600159371},{"text":"I've updated the beneficiary recommendations to the legal personal representative on your super, the MetLife life policy, and also the new recommended Clearview life policy as well, which essentially means that in the event that you were to pass away, all of the having this updated means that all of the super and life insurance proceeds are directed through your will.","start":1701.125,"end":1721.732,"sentiment":"neutral","sentiment_score":0.21089882141009705}],"sentiment":"neutral","sentiment_score":0.20462673592070738,"channel":0,"num_words":102,"start":1687.5299,"end":1721.732},{"sentences":[{"text":"And then it's just really important that your will is done up, and that is stipulated in the body of the will, how you would like those funds to be paid so they are paid to your kids.","start":1721.732,"end":1733.375,"sentiment":"neutral","sentiment_score":0.11822570879992686},{"text":"One of the biggest things is because they are so young, the funds are not paid directly to the minor children.","start":1733.515,"end":1739.18,"sentiment":"neutral","sentiment_score":0.006958662133131709},{"text":"They're paid to their guardian.","start":1739.18,"end":1740.4,"sentiment":"neutral","sentiment_score":0.0015220490284264087},{"text":"So having it directed through your will means that you can have, you know, trust set up.","start":1740.62,"end":1745.3401,"sentiment":"neutral","sentiment_score":0.12157972726751776},{"text":"You can have stipulations made on who the money goes to, whether you want, you know, more than one person to be the guardian of the funds and pay the funds out in certain ways, income streams as they get older, or if you wanna pay to a certain adult to make sure the kids do receive the funds and can, you know, cover school costs, the university costs, and things like that as well.","start":1745.3401,"end":1765.4501,"sentiment":"neutral","sentiment_score":0.10407067899902661}],"sentiment":"neutral","sentiment_score":0.09306714982570459,"channel":0,"num_words":156,"start":1721.732,"end":1765.4501},{"sentences":[{"text":"So it does give you a lot more clarity and control over how you want those funds to be paid.","start":1765.4501,"end":1771.6101,"sentiment":"neutral","sentiment_score":0.2732052721083164},{"text":"So I did update that recommendation to reflect to make sure that any any of your life and super proceeds are paid direct to your will.","start":1771.6101,"end":1780.185,"sentiment":"neutral","sentiment_score":0.23368175098529229},{"text":"And then it's just important to have a solicitor review your will, power of attorney, and probably guardianship documents as well just to make sure that everything is set as per your wishes.","start":1780.425,"end":1790.2051,"sentiment":"neutral","sentiment_score":0.18558936566114426},{"text":"And that's something we've definitely talked about in the past where, you know, you're like me, our kids are everything, and we just wanna make sure that they are looked after and protected.","start":1790.505,"end":1798.91,"sentiment":"neutral","sentiment_score":0.13521487107782654},{"text":"And you work well and truly way too hard to have that money wasted away and not directed","start":1798.97,"end":1803.93,"sentiment":"neutral","sentiment_score":-0.16545583349135187}],"sentiment":"neutral","sentiment_score":0.14729358290250485,"channel":0,"num_words":130,"start":1765.4501,"end":1803.93},{"sentences":[{"text":"Yes.","start":1803.77,"end":1804.09,"sentiment":"neutral","sentiment_score":0.005542058497667313}],"sentiment":"neutral","sentiment_score":0.005542058497667313,"channel":1,"num_words":1,"start":1803.77,"end":1804.09},{"sentences":[{"text":"to","start":1803.93,"end":1804.09,"sentiment":"neutral","sentiment_score":0.009731387719511986}],"sentiment":"neutral","sentiment_score":0.009731387719511986,"channel":0,"num_words":1,"start":1803.93,"end":1804.09},{"sentences":[{"text":"Center.","start":1804.09,"end":1804.59,"sentiment":"neutral","sentiment_score":0.029809650033712387}],"sentiment":"neutral","sentiment_score":0.029809650033712387,"channel":1,"num_words":1,"start":1804.09,"end":1804.59},{"sentences":[{"text":"where you want it to be, essentially.","start":1804.09,"end":1808.4751,"sentiment":"neutral","sentiment_score":0.035569148138165474},{"text":"Yeah.","start":1809.255,"end":1809.755,"sentiment":"neutral","sentiment_score":0.02905556559562683},{"text":"Especially after the day, it seems like you've had.","start":1810.375,"end":1812.635,"sentiment":"neutral","sentiment_score":-0.04133501069413291}],"sentiment":"neutral","sentiment_score":-0.005527970216730062,"channel":0,"num_words":17,"start":1804.09,"end":1812.635},{"sentences":[{"text":"Oh my goodness.","start":1812.8099,"end":1813.71,"sentiment":"neutral","sentiment_score":0.06721745679775874},{"text":"I know.","start":1813.77,"end":1814.4299,"sentiment":"neutral","sentiment_score":0.05371453985571861}],"sentiment":"neutral","sentiment_score":0.06181629002094269,"channel":1,"num_words":5,"start":1812.8099,"end":1814.4299},{"sentences":[{"text":"No.","start":1816.4551,"end":1816.6951,"sentiment":"neutral","sentiment_score":0.10177180171012878},{"text":"It's all good.","start":1816.6951,"end":1817.7,"sentiment":"neutral","sentiment_score":0.20741917192935944},{"text":"Look.","start":1817.86,"end":1818.1,"sentiment":"neutral","sentiment_score":0.23490339517593384},{"text":"A lot of this is very much the same as what I recommended last time.","start":1818.1,"end":1821.38,"sentiment":"neutral","sentiment_score":0.2843919634819031},{"text":"I did go back and review everything to make sure it was on par.","start":1821.38,"end":1824.4199,"sentiment":"neutral","sentiment_score":0.17437562346458435}],"sentiment":"neutral","sentiment_score":0.22547267333549612,"channel":0,"num_words":34,"start":1816.4551,"end":1824.4199},{"sentences":[{"text":"Mhmm.","start":1824.335,"end":1824.835,"sentiment":"neutral","sentiment_score":0.1043236255645752}],"sentiment":"neutral","sentiment_score":0.1043236255645752,"channel":1,"num_words":1,"start":1824.335,"end":1824.835},{"sentences":[{"text":"MetLife, with the income protection linking, it did definitely cost a lot less than, say, having it done through ClearView.","start":1824.4199,"end":1831.24,"sentiment":"neutral","sentiment_score":0.2060139112174511},{"text":"And MetLife are a really good provider of insurances.","start":1831.725,"end":1834.705,"sentiment":"positive","sentiment_score":0.44062865442699856},{"text":"So feel free to run your eyes over that.","start":1835.085,"end":1837.005,"sentiment":"neutral","sentiment_score":0.2369528959194819},{"text":"Have a read through the advantages, the disadvantages, and, obviously, the best interest duty.","start":1837.005,"end":1841.345,"sentiment":"neutral","sentiment_score":0.09216670550605548},{"text":"If you find you have any questions, you're welcome to let me know by phone call or email.","start":1841.645,"end":1846.2,"sentiment":"neutral","sentiment_score":0.3322928481631809}],"sentiment":"neutral","sentiment_score":0.2498588188784197,"channel":0,"num_words":70,"start":1824.4199,"end":1846.2},{"sentences":[{"text":"I'll happily answer anything that you have.","start":1846.2,"end":1848.3,"sentiment":"positive","sentiment_score":0.6226280076163155},{"text":"On the very last page there, we do have the text box, the multiline text box that outlines essentially, if there's any part of the recommendations that you're choosing not to take on board to absolutely make a note in there, and we review that","start":1848.68,"end":1861.105,"sentiment":"neutral","sentiment_score":0.12525957321955097}],"sentiment":"neutral","sentiment_score":0.19221301631142312,"channel":0,"num_words":52,"start":1846.2,"end":1861.105},{"sentences":[{"text":"Okay.","start":1860.8,"end":1861.3,"sentiment":"neutral","sentiment_score":0.2121032178401947}],"sentiment":"neutral","sentiment_score":0.2121032178401947,"channel":1,"num_words":1,"start":1860.8,"end":1861.3},{"sentences":[{"text":"for you as part of it.","start":1861.105,"end":1862.565,"sentiment":"neutral","sentiment_score":0.30980340639750165},{"text":"And I've also got depending on how much reading you enjoy doing, I've got the MetLife PDF for you, the HUB24 PDF, and the Clearview PDF as well.","start":1862.865,"end":1871.345,"sentiment":"neutral","sentiment_score":0.24483769546662057},{"text":"So you're welcome to, you know, run your eyes over that, have a look at the different conditions that I covered, have a look at the different, you know, exclusions and policy information around each of the different policies to sort of get your head around it.","start":1871.345,"end":1884.22,"sentiment":"neutral","sentiment_score":0.2184479810456012},{"text":"And feel free to come","start":1884.36,"end":1885.32,"sentiment":"neutral","sentiment_score":0.2657459616661072}],"sentiment":"neutral","sentiment_score":0.23616349801074626,"channel":0,"num_words":86,"start":1861.105,"end":1885.32},{"sentences":[{"text":"Yep.","start":1885.125,"end":1885.625,"sentiment":"neutral","sentiment_score":0.2566298544406891}],"sentiment":"neutral","sentiment_score":0.2566298544406891,"channel":1,"num_words":1,"start":1885.125,"end":1885.625},{"sentences":[{"text":"back and let me know if there's any additional questions there.","start":1885.32,"end":1888.505,"sentiment":"neutral","sentiment_score":0.25992828743024304}],"sentiment":"neutral","sentiment_score":0.25992828743024304,"channel":0,"num_words":11,"start":1885.32,"end":1888.505},{"sentences":[{"text":"Sounds good.","start":1890.36,"end":1891.18,"sentiment":"positive","sentiment_score":0.6012194454669952}],"sentiment":"positive","sentiment_score":0.6012194454669952,"channel":1,"num_words":2,"start":1890.36,"end":1891.18},{"sentences":[{"text":"Okay?","start":1891.365,"end":1891.765,"sentiment":"positive","sentiment_score":0.40895476937294006},{"text":"Excellent.","start":1891.765,"end":1892.265,"sentiment":"positive","sentiment_score":0.6938468217849731},{"text":"I try to keep it not too crazy because it's a lot to kinda go through when you're sort of looking at the documents.","start":1892.3251,"end":1898.105,"sentiment":"neutral","sentiment_score":0.21107316327591738},{"text":"So I like to just make sure that you get the information that you need, and then you get to take it back and have a bit of a read of it, have a a glass of wine or a nice hot coffee or whatever your poison might be,","start":1898.165,"end":1908.18,"sentiment":"neutral","sentiment_score":0.30709259805022454}],"sentiment":"neutral","sentiment_score":0.2828812641898791,"channel":0,"num_words":75,"start":1891.365,"end":1908.18},{"sentences":[{"text":"Yes.","start":1907.8451,"end":1908.3451,"sentiment":"positive","sentiment_score":0.4483481049537658}],"sentiment":"positive","sentiment_score":0.4483481049537658,"channel":1,"num_words":1,"start":1907.8451,"end":1908.3451},{"sentences":[{"text":"and just sort of sit back and have a really good read of the document.","start":1908.56,"end":1911.38,"sentiment":"positive","sentiment_score":0.4906534751256307},{"text":"I do also just have to let you know before we sort of end the phone call that we do receive remuneration from the insurers for recommending and writing these insurance policies.","start":1911.76,"end":1920.955,"sentiment":"neutral","sentiment_score":0.13856561039574444},{"text":"It is really important to note that that has no effect on my recommendations in any way, shape, or form.","start":1921.575,"end":1927.035,"sentiment":"neutral","sentiment_score":0.05231676883995533},{"text":"We provide advice under the best interest duty, which is part of the corporations act.","start":1927.255,"end":1931.575,"sentiment":"neutral","sentiment_score":0.192692564924558},{"text":"So any advice is there to meet your goals and be in your best interest.","start":1931.575,"end":1935.6001,"sentiment":"positive","sentiment_score":0.3401100244373083}],"sentiment":"neutral","sentiment_score":0.21476573068840601,"channel":0,"num_words":97,"start":1908.56,"end":1935.6001},{"sentences":[{"text":"Under the legislation with regard to remuneration, we do receive 56% of the first year's premium and then 22% there ongoing, but we have a duty to disclose that to you.","start":1936.14,"end":1947.225,"sentiment":"neutral","sentiment_score":0.03215311323442767},{"text":"That is noted in the advice document on page 44 as well and 45 so you can see how much we are expected to receive based on that.","start":1947.465,"end":1956.285,"sentiment":"neutral","sentiment_score":0.07327125421059984},{"text":"But we will review things, and if you decide you don't wish to take on any of that, that's absolutely fine.","start":1957.3049,"end":1963.05,"sentiment":"neutral","sentiment_score":-0.09680527909880593},{"text":"We're just disclosing everything to make sure that we're open and honest with you in regard to it.","start":1963.05,"end":1967.6101,"sentiment":"neutral","sentiment_score":0.09181549565659629},{"text":"Okay?","start":1967.6101,"end":1968.1101,"sentiment":"neutral","sentiment_score":0.06358659267425537}],"sentiment":"neutral","sentiment_score":0.027592891733152696,"channel":0,"num_words":99,"start":1936.14,"end":1968.1101},{"sentences":[{"text":"Yeah.","start":1968.225,"end":1968.465,"sentiment":"neutral","sentiment_score":0.2711625099182129},{"text":"Perfect.","start":1968.465,"end":1968.965,"sentiment":"positive","sentiment_score":0.6363499164581299},{"text":"That makes sense.","start":1969.025,"end":1969.89,"sentiment":"positive","sentiment_score":0.546155055363973}],"sentiment":"positive","sentiment_score":0.5091955184936523,"channel":1,"num_words":5,"start":1968.225,"end":1969.89},{"sentences":[{"text":"Excellent.","start":1970.01,"end":1970.51,"sentiment":"positive","sentiment_score":0.7642312049865723},{"text":"Fantastic.","start":1970.9701,"end":1971.4701,"sentiment":"positive","sentiment_score":0.718130350112915}],"sentiment":"positive","sentiment_score":0.7411807775497437,"channel":0,"num_words":2,"start":1970.01,"end":1971.4701},{"sentences":[{"text":"Okay.","start":1972.21,"end":1972.53,"sentiment":"neutral","sentiment_score":0.2545282244682312},{"text":"I'll","start":1972.53,"end":1972.85,"sentiment":"neutral","sentiment_score":0.17849770188331604}],"sentiment":"neutral","sentiment_score":0.21651296317577362,"channel":1,"num_words":2,"start":1972.21,"end":1972.85},{"sentences":[{"text":"If","start":1972.65,"end":1972.89,"sentiment":"neutral","sentiment_score":0.16987405717372894}],"sentiment":"neutral","sentiment_score":0.16987405717372894,"channel":0,"num_words":1,"start":1972.65,"end":1972.89},{"sentences":[{"text":"go","start":1972.85,"end":1973.01,"sentiment":"neutral","sentiment_score":0.11481724679470062}],"sentiment":"neutral","sentiment_score":0.11481724679470062,"channel":1,"num_words":1,"start":1972.85,"end":1973.01},{"sentences":[{"text":"you","start":1972.89,"end":1973.05,"sentiment":"neutral","sentiment_score":0.09507428109645844}],"sentiment":"neutral","sentiment_score":0.09507428109645844,"channel":0,"num_words":1,"start":1972.89,"end":1973.05},{"sentences":[{"text":"through","start":1973.01,"end":1973.25,"sentiment":"neutral","sentiment_score":0.21506339311599731}],"sentiment":"neutral","sentiment_score":0.21506339311599731,"channel":1,"num_words":1,"start":1973.01,"end":1973.25},{"sentences":[{"text":"just","start":1973.05,"end":1973.3701,"sentiment":"neutral","sentiment_score":0.1339014768600464}],"sentiment":"neutral","sentiment_score":0.1339014768600464,"channel":0,"num_words":1,"start":1973.05,"end":1973.3701},{"sentences":[{"text":"I'm a bit of a printer.","start":1973.33,"end":1974.71,"sentiment":"neutral","sentiment_score":0.11539314687252045}],"sentiment":"neutral","sentiment_score":0.11539314687252045,"channel":1,"num_words":6,"start":1973.33,"end":1974.71},{"sentences":[{"text":"yeah.","start":1974.25,"end":1974.75,"sentiment":"neutral","sentiment_score":0.033064667135477066}],"sentiment":"neutral","sentiment_score":0.033064667135477066,"channel":0,"num_words":1,"start":1974.25,"end":1974.75},{"sentences":[{"text":"I'll think","start":1974.77,"end":1975.33,"sentiment":"neutral","sentiment_score":0.044069645926356316}],"sentiment":"neutral","sentiment_score":0.044069645926356316,"channel":1,"num_words":2,"start":1974.77,"end":1975.33},{"sentences":[{"text":"Yeah.","start":1975.29,"end":1975.6101,"sentiment":"neutral","sentiment_score":0.06311944127082825}],"sentiment":"neutral","sentiment_score":0.06311944127082825,"channel":0,"num_words":1,"start":1975.29,"end":1975.6101},{"sentences":[{"text":"that it","start":1975.33,"end":1975.65,"sentiment":"neutral","sentiment_score":0.059074074029922485}],"sentiment":"neutral","sentiment_score":0.059074074029922485,"channel":1,"num_words":2,"start":1975.33,"end":1975.65},{"sentences":[{"text":"You're","start":1975.6101,"end":1975.93,"sentiment":"neutral","sentiment_score":0.1095905900001526}],"sentiment":"neutral","sentiment_score":0.1095905900001526,"channel":0,"num_words":1,"start":1975.6101,"end":1975.93},{"sentences":[{"text":"worked","start":1975.65,"end":1975.97,"sentiment":"neutral","sentiment_score":0.170074000954628}],"sentiment":"neutral","sentiment_score":0.170074000954628,"channel":1,"num_words":1,"start":1975.65,"end":1975.97},{"sentences":[{"text":"fine.","start":1975.93,"end":1976.43,"sentiment":"neutral","sentiment_score":0.10917523503303528}],"sentiment":"neutral","sentiment_score":0.10917523503303528,"channel":0,"num_words":1,"start":1975.93,"end":1976.43},{"sentences":[{"text":"tomorrow and go through","start":1975.97,"end":1978.37,"sentiment":"neutral","sentiment_score":0.08634539321064949}],"sentiment":"neutral","sentiment_score":0.08634539321064949,"channel":1,"num_words":4,"start":1975.97,"end":1978.37},{"sentences":[{"text":"You like","start":1978.175,"end":1978.575,"sentiment":"neutral","sentiment_score":0.08558422140777111}],"sentiment":"neutral","sentiment_score":0.08558422140777111,"channel":0,"num_words":2,"start":1978.175,"end":1978.575},{"sentences":[{"text":"and","start":1978.37,"end":1978.87,"sentiment":"neutral","sentiment_score":0.08331838250160217}],"sentiment":"neutral","sentiment_score":0.08331838250160217,"channel":1,"num_words":1,"start":1978.37,"end":1978.87},{"sentences":[{"text":"a hug?","start":1978.575,"end":1979.235,"sentiment":"neutral","sentiment_score":0.13039027154445648}],"sentiment":"neutral","sentiment_score":0.13039027154445648,"channel":0,"num_words":2,"start":1978.575,"end":1979.235},{"sentences":[{"text":"yeah.","start":1979.09,"end":1979.59,"sentiment":"neutral","sentiment_score":0.08985978364944458}],"sentiment":"neutral","sentiment_score":0.08985978364944458,"channel":1,"num_words":1,"start":1979.09,"end":1979.59},{"sentences":[{"text":"Yeah.","start":1979.775,"end":1980.275,"sentiment":"neutral","sentiment_score":0.1339920163154602}],"sentiment":"neutral","sentiment_score":0.1339920163154602,"channel":0,"num_words":1,"start":1979.775,"end":1980.275},{"sentences":[{"text":"Yeah.","start":1979.81,"end":1980.21,"sentiment":"neutral","sentiment_score":0.2096637487411499},{"text":"I like","start":1980.21,"end":1980.4501,"sentiment":"positive","sentiment_score":0.3809955269098282}],"sentiment":"neutral","sentiment_score":0.3238849341869354,"channel":1,"num_words":3,"start":1979.81,"end":1980.4501},{"sentences":[{"text":"Absolutely.","start":1980.335,"end":1980.835,"sentiment":"neutral","sentiment_score":0.2611226439476013}],"sentiment":"neutral","sentiment_score":0.2611226439476013,"channel":0,"num_words":1,"start":1980.335,"end":1980.835},{"sentences":[{"text":"a hard copy.","start":1980.4501,"end":1981.43,"sentiment":"neutral","sentiment_score":0.2990269164244334},{"text":"And then,","start":1981.81,"end":1982.55,"sentiment":"neutral","sentiment_score":0.03579644858837128}],"sentiment":"neutral","sentiment_score":0.19373472929000854,"channel":1,"num_words":5,"start":1980.4501,"end":1982.55},{"sentences":[{"text":"Not","start":1982.255,"end":1982.655,"sentiment":"neutral","sentiment_score":-0.027024798095226288}],"sentiment":"neutral","sentiment_score":-0.027024798095226288,"channel":0,"num_words":1,"start":1982.255,"end":1982.655},{"sentences":[{"text":"yeah,","start":1982.61,"end":1982.85,"sentiment":"neutral","sentiment_score":-0.02740983664989471}],"sentiment":"neutral","sentiment_score":-0.02740983664989471,"channel":1,"num_words":1,"start":1982.61,"end":1982.85},{"sentences":[{"text":"a","start":1982.655,"end":1982.895,"sentiment":"neutral","sentiment_score":-0.021937407553195953}],"sentiment":"neutral","sentiment_score":-0.021937407553195953,"channel":0,"num_words":1,"start":1982.655,"end":1982.895},{"sentences":[{"text":"I'll","start":1982.85,"end":1983.01,"sentiment":"neutral","sentiment_score":-0.03919349983334541}],"sentiment":"neutral","sentiment_score":-0.03919349983334541,"channel":1,"num_words":1,"start":1982.85,"end":1983.01},{"sentences":[{"text":"problem.","start":1982.895,"end":1983.395,"sentiment":"neutral","sentiment_score":0.04221330210566521}],"sentiment":"neutral","sentiment_score":0.04221330210566521,"channel":0,"num_words":1,"start":1982.895,"end":1983.395},{"sentences":[{"text":"come back to you with that.","start":1983.01,"end":1984.215,"sentiment":"neutral","sentiment_score":0.12154332175850868}],"sentiment":"neutral","sentiment_score":0.12154332175850868,"channel":1,"num_words":6,"start":1983.01,"end":1984.215},{"sentences":[{"text":"Yeah.","start":1985.135,"end":1985.635,"sentiment":"neutral","sentiment_score":0.2844979166984558},{"text":"Excellent.","start":1985.695,"end":1986.195,"sentiment":"positive","sentiment_score":0.6207953691482544},{"text":"No problem at all.","start":1986.255,"end":1987.135,"sentiment":"positive","sentiment_score":0.5270985513925552},{"text":"That's basically everything.","start":1987.135,"end":1988.335,"sentiment":"positive","sentiment_score":0.55935866634051},{"text":"I hope you have a lovely afternoon, and, yeah, just come back","start":1988.335,"end":1990.895,"sentiment":"positive","sentiment_score":0.6441548988223076}],"sentiment":"positive","sentiment_score":0.5915058226812453,"channel":0,"num_words":21,"start":1985.135,"end":1990.895},{"sentences":[{"text":"Thank","start":1990.775,"end":1991.095,"sentiment":"positive","sentiment_score":0.5330727696418762}],"sentiment":"positive","sentiment_score":0.5330727696418762,"channel":1,"num_words":1,"start":1990.775,"end":1991.095},{"sentences":[{"text":"if there's","start":1990.895,"end":1991.215,"sentiment":"positive","sentiment_score":0.6231429278850555}],"sentiment":"positive","sentiment_score":0.6231429278850555,"channel":0,"num_words":2,"start":1990.895,"end":1991.215},{"sentences":[{"text":"you.","start":1991.095,"end":1991.595,"sentiment":"positive","sentiment_score":0.45840972661972046}],"sentiment":"positive","sentiment_score":0.45840972661972046,"channel":1,"num_words":1,"start":1991.095,"end":1991.595},{"sentences":[{"text":"any questions at all.","start":1991.215,"end":1992.415,"sentiment":"neutral","sentiment_score":0.2378281131386757},{"text":"Easy.","start":1992.415,"end":1992.915,"sentiment":"positive","sentiment_score":0.4154170751571655}],"sentiment":"neutral","sentiment_score":0.27334590554237365,"channel":0,"num_words":5,"start":1991.215,"end":1992.915},{"sentences":[{"text":"Okay.","start":1993.575,"end":1994.075,"sentiment":"positive","sentiment_score":0.4315546751022339},{"text":"Thanks, Dana.","start":1994.135,"end":1995.0349,"sentiment":"positive","sentiment_score":0.7269095480442047}],"sentiment":"positive","sentiment_score":0.6284579237302145,"channel":1,"num_words":3,"start":1993.575,"end":1995.0349},{"sentences":[{"text":"My pleasure.","start":1995.51,"end":1996.15,"sentiment":"positive","sentiment_score":0.8056070804595947},{"text":"Thank you for your time this afternoon.","start":1996.15,"end":1997.3899,"sentiment":"positive","sentiment_score":0.8375396813665118},{"text":"I hope you have a good afternoon.","start":1997.3899,"end":1998.89,"sentiment":"positive","sentiment_score":0.7461110694067818}],"sentiment":"positive","sentiment_score":0.7935480885207653,"channel":0,"num_words":16,"start":1995.51,"end":1998.89},{"sentences":[{"text":"Thank you.","start":1999.691,"end":2000.251,"sentiment":"positive","sentiment_score":0.7047243416309357},{"text":"You too.","start":2000.251,"end":2000.971,"sentiment":"positive","sentiment_score":0.46293602883815765},{"text":"Bye.","start":2000.971,"end":2001.471,"sentiment":"positive","sentiment_score":0.3472168445587158}],"sentiment":"positive","sentiment_score":0.5365075170993805,"channel":1,"num_words":5,"start":1999.691,"end":2001.471},{"sentences":[{"text":"Thanks, Bianca.","start":2001.19,"end":2002.07,"sentiment":"positive","sentiment_score":0.6188424229621887},{"text":"See you later.","start":2002.07,"end":2002.8099,"sentiment":"positive","sentiment_score":0.48685617248217267}],"sentiment":"positive","sentiment_score":0.5396506726741791,"channel":0,"num_words":5,"start":2001.19,"end":2002.8099},{"sentences":[{"text":"Bye.","start":2003.2109,"end":2003.7109,"sentiment":"neutral","sentiment_score":-0.07483929395675659}],"sentiment":"neutral","sentiment_score":-0.07483929395675659,"channel":1,"num_words":1,"start":2003.2109,"end":2003.7109}]},"summary":{"result":"success","short":"The speakers discuss the importance of staying with a specific fund and adjusting investments to make them more cost-effective. They emphasize the importance of maintaining a salary sacrifice and adjusting investments to make them more cost-effective. The speakers also discuss the benefits of having a life cover outside of SUFA and recommend adding funeral benefits and reading and reviewing policy documents. The policy is designed to protect children in case of a traumatic condition and provides a lump sum benefit."},"intents":{"segments":[{"text":"And I was that call, although, to update you. Can you hear me, Dana?","start_word":344,"end_word":357,"intents":[{"intent":"Update speaker 2","confidence_score":0.0083369855}]},{"text":"As we are sort of scrolling through pages three, four, and five, we've got the areas that we are just scoping in and out. So we're looking at superannuation. We're looking at insurances for you there as well, and I've scoping the estate planning to make sure your beneficiaries are set up in line with your wishes. Okay?","start_word":666,"end_word":723,"intents":[{"intent":"Ensure funds are arranged appropriately","confidence_score":6.11537e-8}]},{"text":"I am recommending that you keep your salary sacrifice as it is at the moment.","start_word":1080,"end_word":1094,"intents":[{"intent":"Recommend keeping salary sacrifice","confidence_score":0.18502435}]},{"text":"So you're currently paying 851 for the year in investment fees for the current portfolio.","start_word":1368,"end_word":1382,"intents":[{"intent":"Provide information about fees","confidence_score":0.00025670804}]},{"text":"The newer portfolio I'm recommending saves you about $284 in investment fees there. So that outweighs the CGT cost of making the switch and makes the portfolio cheaper for you long term as well.","start_word":1384,"end_word":1417,"intents":[{"intent":"Recommend cost reduction","confidence_score":0.0029051849}]},{"text":"I also noted that because of the difference in balance, obviously, our ongoing adviser fee is reduced a little bit as well, expected to save you about $65 for the year.","start_word":1417,"end_word":1447,"intents":[{"intent":"Discuss balance of investments","confidence_score":0.006291568}]},{"text":"The other thing I sort of look at and factor in is how the portfolios have been performing. So you're currently in that high growth environment wanting to take a bit more risk in the market to get those greater potential returns. The newer portfolio has averaged about 9.77% on a yearly basis over the past five years, whereas the new portfolio has averaged about 11.33%.","start_word":1476,"end_word":1541,"intents":[{"intent":"Explain portfolio performance","confidence_score":0.19953007}]},{"text":"So when we take into account switching the investments to CGT costs, the reduction investment fees, and how the the newer portfolio has performed in the past, we can see as per the projection table below that it's expected to put you in a greater position over the next five to ten years, which is really good and important. Okay?","start_word":1542,"end_word":1601,"intents":[{"intent":"Explain benefits of investment changes","confidence_score":0.0006769128}]},{"text":"So on here, we've got the table noting all the different investments and how you are invested within your super fund currently.","start_word":1641,"end_word":1662,"intents":[{"intent":"Provide information on investments","confidence_score":0.07204457}]},{"text":"So, essentially, we are gonna sell off all the battery and lithium tax, remove the ban along Australian equities as it's been underperforming, remove the bank hybrids as they are being phased out down the track there as well, and the China new economy will be completely gone there as well.","start_word":1718,"end_word":1768,"intents":[{"intent":"Sell asset assets","confidence_score":0.0033484981}]},{"text":"We wanna hold about 7% weighting in there.","start_word":2050,"end_word":2057,"intents":[{"intent":"Hold a 100","confidence_score":0.0011236089}]},{"text":"This is Global Healthcare, so giving you exposure to health care across the globe, essentially.","start_word":2080,"end_word":2094,"intents":[{"intent":"Using global x healthcare","confidence_score":0.00009120824},{"intent":"Getting exposure to global x healthcare","confidence_score":0.000019379462}]},{"text":"And then as I mentioned before, we're getting rid of the ban along Australian equities and rebalancing the Raffy back a little bit, but we're also gonna hold the a 200.","start_word":2095,"end_word":2125,"intents":[{"intent":"Rebalancing a 200","confidence_score":0.041691795},{"intent":"Rebalancing a 200","confidence_score":0.016542189}]},{"text":"So you do wanna hold as much as we can, but it's making sure that you've got a good weighting, and it's actually increasing your diversification into Australian equities as well whilst reducing the cost of the portfolio.","start_word":2149,"end_word":2186,"intents":[{"intent":"Maintain diversification into australia","confidence_score":0.00032075692}]},{"text":"Because you are realistically younger and can can sustain a little bit of more risk in the portfolio, I've also included the JPMorgan Global Research Enhanced Equity Fund.","start_word":2210,"end_word":2237,"intents":[{"intent":"Adding jpmorgan global equities","confidence_score":0.0011991585}]},{"text":"This here is more of an actively managed fund, so it utilizes JPMorgan's research team to look for areas of growth.","start_word":2238,"end_word":2258,"intents":[{"intent":"Utilizing jpmorgan's research team","confidence_score":0.01386186}]},{"text":"This here is more of an actively managed fund, so it utilizes JPMorgan's research team to look for areas of growth. It is a cheap fund to have, but it does give you a little bit of active management in there as well.","start_word":2238,"end_word":2280,"intents":[{"intent":"Including jpmorgan's global research fund","confidence_score":0.00041770918}]},{"text":"We'll keep to monitor that moving forward. And if we find it's not performing the way we hoped it would, we'll look to swap it out.","start_word":2311,"end_word":2336,"intents":[{"intent":"Monitoring portfolio performance","confidence_score":0.086131625}]},{"text":"But this year, it has done really, really well, and JPMorgan's research team is one of the biggest in the globe. So it is well worth having a little bit of exposure into that for you.","start_word":2337,"end_word":2372,"intents":[{"intent":"Using jpmorgan's global research team","confidence_score":0.011748821}]},{"text":"So we we just wanna make sure as much of your portfolio is invested as absolutely possible and just hold the minimum cash balance there for you.","start_word":2665,"end_word":2691,"intents":[{"intent":"Maintain portfolio balance","confidence_score":0.033212602}]},{"text":"More than happy to talk you short and or reassess your risk profile at any point in time.","start_word":2869,"end_word":2886,"intents":[{"intent":"Reassess risk profile","confidence_score":0.011244827}]},{"text":"Based on your current income at a 165,000, It means we would be adding income protection to give you a monthly benefit of 9,625. We're looking at a thirty day waiting period, so you don't have to be off work for as long in order to claim on the policy. But last time we called up, you were happy just a two year benefit knowing what you do for work and mostly administration.","start_word":3121,"end_word":3193,"intents":[{"intent":"Discussing benefits","confidence_score":0.069743924}]},{"text":"Do you still feel like that benefit period's fairly appropriate? Has anything changed in your mind with regard to that? Does that mean that's how long they pay your income for? Is that what that means?","start_word":3202,"end_word":3237,"intents":[{"intent":"Asking about benefits","confidence_score":0.00020900367}]},{"text":"Realistically, under sort of the way it works, most claims are dealt with within that two year period. As you can imagine, insurers don't really wanna be paying claims for a long period None.","start_word":3254,"end_word":3287,"intents":[{"intent":"Discussing claims","confidence_score":0.0025884036}]},{"text":"if you are off work, they're gonna be trying to find ways for you to get back to work. You can Yep.","start_word":3294,"end_word":3315,"intents":[{"intent":"Discussing future benefits","confidence_score":0.009012272}]},{"text":"At the moment, the total premium paid out of Super four year policy, you paid $431.","start_word":3472,"end_word":3487,"intents":[{"intent":"Recommending a higher premium","confidence_score":3.3124365e-7}]},{"text":"83 for the year by adding the income protection.","start_word":3489,"end_word":3497,"intents":[{"intent":"Add income protection","confidence_score":0.34072584}]},{"text":"And we're adding it with MetLife because we're attaching it to your current life and TPD policy, which means that we do get a discount.","start_word":3497,"end_word":3521,"intents":[{"intent":"Get discount","confidence_score":0.11812647},{"intent":"Provide discount","confidence_score":0.04094243}]},{"text":"So So that's just, Yeah.","start_word":3640,"end_word":3644,"intents":[{"intent":"Provide explanation","confidence_score":0.0005599231}]},{"text":"So currently, my premium, which is just the PPD Mhmm. A lice NTBD.","start_word":3648,"end_word":3660,"intents":[{"intent":"Add ppd mcd","confidence_score":0.0014959951}]},{"text":"So currently, my premium, which is just the PPD Mhmm. A lice NTBD. am I saying sorry. Life and PPD Yeah. Yeah. is $5.00 8 a year.","start_word":3648,"end_word":3674,"intents":[{"intent":"Add benefits","confidence_score":0.10603919}]},{"text":"So currently, my premium, which is just the PPD Mhmm. A lice NTBD. am I saying sorry. Life and PPD Yeah. Yeah. is $5.00 8 a year. Is that what we're saying?","start_word":3648,"end_word":3679,"intents":[{"intent":"Find information","confidence_score":0.0001339475}]},{"text":"That's how, yeah, that's how much the insurer has received. The amount that's come out of super is the $4.31.","start_word":3680,"end_word":3699,"intents":[{"intent":"Understand cost","confidence_score":0.0063693705}]},{"text":"In the appendices that we have attached, as I mentioned last time, I also added the alternative projection to show, obviously, the projected outcome if you decide not to take the income protection side of things, because one of the things we talked about was whether you felt like you needed income protection at the time. Yeah.","start_word":3787,"end_word":3843,"intents":[{"intent":"Provide alternative projection","confidence_score":0.02404733}]},{"text":"So over the course of ten years, we're still moving into the newer portfolio and making the other changes but not taking income protection.","start_word":3913,"end_word":3936,"intents":[{"intent":"Make adjustments","confidence_score":0.004481109}]},{"text":"Essentially, keeping it with MetLife is appropriate because, obviously, you get a bit of a discount when you link all the policies together. MetLife also has some additional other benefits there, so I'm not really sure if you're aware.","start_word":4055,"end_word":4093,"intents":[{"intent":"Connect policy benefits","confidence_score":0.000008356372}]},{"text":"These include things like mental health support, expert medical opinions, nutrition, fitness, and mobility, and recovery. If you have a look in the PDF that I have attached there for you, it outlines a bit more about the MetLife three sixty health platform and what that can help you with.","start_word":4143,"end_word":4192,"intents":[{"intent":"Provide information","confidence_score":0.017261922}]},{"text":"I did review the last recommendation with the newer policies.","start_word":4354,"end_word":4363,"intents":[{"intent":"Review recommendations","confidence_score":0.11956485}]},{"text":"I did review the last recommendation with the newer policies. I'm still recommending Clearview for that solely because Clearview is still a really good policy provider. MetLife don't offer child trauma policies. They have, like, an optional extras policy, but it's not child trauma as such. So we did have to look elsewhere to make sure that you could have those set policies.","start_word":4354,"end_word":4416,"intents":[{"intent":"Recommend policies","confidence_score":0.06720783}]},{"text":"I am also recommending that we add a little bit of life cover to the trauma policy. Essentially, it does work out a lot cheaper to link the policies together.","start_word":4429,"end_word":4458,"intents":[{"intent":"Link policy","confidence_score":0.00729711}]},{"text":"So by linking the trauma and the the life together, it essentially shows the monthly premium expected is $28.71 there.","start_word":4468,"end_word":4487,"intents":[{"intent":"Provide premium","confidence_score":0.021962889}]},{"text":"I'm just gonna add these two together because it's $17.26 and $28.","start_word":4507,"end_word":4518,"intents":[{"intent":"Add items","confidence_score":0.012362874}]},{"text":"So for the child trauma policies and the life and trauma for yourself, the two policies added together, it's $45.97.","start_word":4525,"end_word":4544,"intents":[{"intent":"Include policies","confidence_score":0.33816043}]},{"text":"one of the benefits to having that life cover outside of SUFA is you do get that funeral benefit as well.","start_word":4591,"end_word":4611,"intents":[{"intent":"Provide benefits","confidence_score":0.079078205},{"intent":"Provide benefits","confidence_score":0.0573602}]},{"text":"In the appendices, I've also got a breakdown of just stand alone trauma policy with the child trauma there just so you can see the difference and you get to decide what's more comfortable for you. Okay? Cool.","start_word":4803,"end_word":4840,"intents":[{"intent":"Provide breakdown","confidence_score":0.16451451}]},{"text":"I've also noted the best interest, Judy, and linked all of this back to your goals as well.","start_word":4863,"end_word":4880,"intents":[{"intent":"Refer to goals","confidence_score":0.010953745}]},{"text":"So the 17 covers both, or I it's 17 times two. No?","start_word":4931,"end_word":4942,"intents":[{"intent":"Clarify policy details","confidence_score":0.10688703}]},{"text":"And then it's just really important that your will is done up, and that is stipulated in the body of the will, how you would like those funds to be paid so they are paid to your kids.","start_word":5252,"end_word":5289,"intents":[{"intent":"Inform and clarify will of funds","confidence_score":0.000003766469}]},{"text":"One of the biggest things is because they are so young, the funds are not paid directly to the minor children.","start_word":5289,"end_word":5309,"intents":[{"intent":"Recommend direct payments for children","confidence_score":0.0000848161}]},{"text":"And then it's just important to have a solicitor review your will, power of attorney, and probably guardianship documents as well just to make sure that everything is set as per your wishes.","start_word":5453,"end_word":5485,"intents":[{"intent":"Recommend contacting solicitor","confidence_score":0.0076430603},{"intent":"Clarify will and power of attorney","confidence_score":0.0056254202}]},{"text":"A lot of this is very much the same as what I recommended last time. I did go back and review everything to make sure it was on par. Mhmm.","start_word":5567,"end_word":5596,"intents":[{"intent":"Recommend comparison of services","confidence_score":0.0000050773424}]},{"text":"We provide advice under the best interest duty, which is part of the corporations act. So any advice is there to meet your goals and be in your best interest.","start_word":5963,"end_word":5992,"intents":[{"intent":"Provide advice","confidence_score":0.08077674}]}]},"sentiments":{"segments":[{"text":"Hi, Bianca. This is Dana.","start_word":0,"end_word":4,"sentiment":"neutral","sentiment_score":0.21639512479305267},{"text":"How are you this afternoon? I'm good. How are you? I'm very well. Thank you. How's your day been so far?","start_word":5,"end_word":25,"sentiment":"positive","sentiment_score":0.4843218922615051},{"text":"Yeah. Yeah.","start_word":26,"end_word":27,"sentiment":"neutral","sentiment_score":0.29018139839172363},{"text":"Good. I just had a staff member storm out of a performance improvement meeting at work, so that was fun.","start_word":28,"end_word":47,"sentiment":"positive","sentiment_score":0.3592216372489929},{"text":"Oh, no. Wow. Well, I wasn't actually I had to leave half day for this, and I had an appointment. And Yes. so my my wife was buzzing in the appointment, and then I've got a text message that says, you know, said staff member has stormed out Oh, and verbally no.","start_word":48,"end_word":99,"sentiment":"neutral","sentiment_score":-0.15869009494781494},{"text":"resigned.","start_word":100,"end_word":100,"sentiment":"negative","sentiment_score":-0.35827016830444336},{"text":"Oh, well. See you. Oh, oh, no. What a I day. don't Goodness know. me. I don't know if you have directives, like, people answering to you. You probably do. Yeah. But Yeah. is the worst part about running businesses? Yes. Yes. Absolutely. That's kind of why I like to send the adviser and not having any senior management roles or anything like that. I'm happy for someone else to do all of that aspect, and I just It's talk to so clients and do advice and yeah. No.","start_word":101,"end_word":189,"sentiment":"neutral","sentiment_score":-0.059617385268211365},{"text":"Absolutely.","start_word":190,"end_word":190,"sentiment":"negative","sentiment_score":-0.3661807179450989},{"text":"painful. Well, hopefully, your afternoon gets a little bit better. I do have your advice document ready to go if you're comfortable going through that now with me. Yep. I'm just gonna open it. That's fair. One second. Yeah. You're right. Not a problem at all.","start_word":191,"end_word":236,"sentiment":"neutral","sentiment_score":0.08270752429962158},{"text":"Beautiful.","start_word":237,"end_word":237,"sentiment":"positive","sentiment_score":0.4899474084377289},{"text":"Is that working for you? Sorry. I actually didn't have my laptop on. I'm just Oh, that's okay. You're absolutely and that's fine. why I was You're on that fine. call, and I'm like, guys, I need to go. I have to go to this call. Yeah. You're right. Not a worry at all. I was almost I was in the process of sending you a message just to let you know it was me because I was like, oh, you're probably busy in a meeting or you're screening the call, so I'll quickly text you after I left the message to make it easier. Sorry. And I was that call, although, to update you. Can you hear me, Dana? Yes. Yeah. I can. Yeah. Yep. Yes. You can hear me okay? He just turned back up after an hour and a half for the tantrum. Oh, Oh, my god. I have a great HR manager and an ops manager, so they're dealing with it. But sometimes, you know, the bucket has to stop with you. So Yeah. okay. Just deal with it. If he's ropable, I can come back to site. Absolutely. Yeah. Anyway not during your job. It's actually your workplace as well. You manage Oh, Okay. wow. I'm on email. Yep. So it should've come through from OdooSign or from my email. Yes. Signature request. Yep. That's the one. So if you click on the button that says sign the document, it'll take you through so you can see the statement of advice, and it has your name on the very front there with the 08/19/2026. Yep. Yep. Got it. Yep.","start_word":238,"end_word":511,"sentiment":"neutral","sentiment_score":0.02766372355884009},{"text":"Beautiful. Excellent.","start_word":512,"end_word":513,"sentiment":"positive","sentiment_score":0.7386641502380371},{"text":"Now all of our advice is valid for sixty days from the date on the document. And it's stated today, so you have sixty days from presentation to review it and decide whether you're wanting to take the advice on. On the front page has my license registration number, so I'm a licensed adviser through ASIC, and my registration number is 1304394. Okay. With this, I'll take you through the sections that we need to sort touch on to go through the the areas that we need to, and then I'll let you go back to have a really good rate of the document as well. Because as I'm sort of talking through it, sometimes it can be a little bit overwhelming with all the bits and pieces, so giving you time to go back and read it through and take it in is really important as well. Sure. Okay? Mhmm.","start_word":514,"end_word":664,"sentiment":"neutral","sentiment_score":0.13820877385060518},{"text":"Excellent.","start_word":665,"end_word":665,"sentiment":"positive","sentiment_score":0.5814435482025146},{"text":"As we are sort of scrolling through pages three, four, and five, we've got the areas that we are just scoping in and out. So we're looking at superannuation. We're looking at insurances for you there as well, and I've scoping the estate planning to make sure your beneficiaries are set up in line with your wishes. Okay? Areas that we've scoped out for now is looking at potential property, investment properties, and investments outside of super. We can definitely look at those down the track when you are ready to have that more in-depth conversation. For now, we'll just sort out your super insurances and then work on the next thing for you. Okay? Mhmm.","start_word":666,"end_word":781,"sentiment":"neutral","sentiment_score":0.1960473507642746},{"text":"Excellent.","start_word":782,"end_word":782,"sentiment":"positive","sentiment_score":0.5196715593338013},{"text":"If I can get you to move down or scroll, sorry, down to page number 12, this is the start of the recommendations there for you.","start_word":783,"end_word":808,"sentiment":"neutral","sentiment_score":0.2406497597694397},{"text":"Yep. Beautiful.","start_word":809,"end_word":810,"sentiment":"positive","sentiment_score":0.4232907295227051},{"text":"So with this one here, I did go back and have a look at Hub twenty four as well as any other super fund out there, making sure that you were in a good fund, that it was working for you, but also reassessing the investments because we had noted that some of those were underperforming a little bit. Yep. I have recommended that we do stay with Hub twenty four. I know it wasn't your favorite fund, but one of the biggest things that I do look at when we do look at super funds is the the CGT cost around the selling and the changing of investments. So, essentially, I did look at you know, hub twenty four does realistically have the most amount of investments available out of most of the adviser platforms. And if we were to sell down your total portfolio, the CGT cost was so much higher. So it does work out better to retain Hub twenty four and be able to switch the investments within in them to make them work a bit harder for you. If you are finding that you are struggling with Hub 24 that the the app or, you know, utilizing it isn't working well for you, let me know.","start_word":811,"end_word":1021,"sentiment":"neutral","sentiment_score":0.03198443271961257},{"text":"I'm happy to send you reports and break things down and give you updated balances and things like that on a more regular basis as well.","start_word":1022,"end_word":1047,"sentiment":"positive","sentiment_score":0.5492392182350159},{"text":"But it just didn't work out cost effective to move you to a whole another platform. So I have Yep. recommended to retain Hub twenty four and switch the investments within that. I am recommending that you keep your salary sacrifice as it is at the moment.","start_word":1048,"end_word":1094,"sentiment":"neutral","sentiment_score":0.0739210695028305},{"text":"So it is working really well for you because you are obviously, you have a family and kids.","start_word":1095,"end_word":1112,"sentiment":"positive","sentiment_score":0.5862650871276855},{"text":"I didn't wanna eat away too much of your income. But because Yep. your income does increase quite regularly each year, as you move up in the tax brackets, it might be worthwhile looking at later down the track at additional ways to help reduce tax without that being your total goal, looking at ways to help kind of, you know, reduce or limit the amount of tax payable and benefit super down the track. So I look to retain your salary sacrifice as it is and just sort of switch those investments out there for you. To show you how I'm going to change those investments to make it easier, if you move down to page number 18, Yep.","start_word":1113,"end_word":1232,"sentiment":"neutral","sentiment_score":0.21518845856189728},{"text":"Beautiful.","start_word":1233,"end_word":1233,"sentiment":"positive","sentiment_score":0.619448184967041},{"text":"So this is the fee comparison table. So it essentially shows you the reason behind my recommendations. As I kinda mentioned, when we do make switches of investments, like your super fund, just like you, does a tax return every year, they pay income tax and capital gains tax and things like that. So when I looked at how to switch the investments and make the changes, the changes I'm recommending will result only in about a $127 as a CDT consequence for your super. So it essentially means that your balance is $191,001.28 currently. We only expect after the changes a 127 in CGT, which means your starting balance remains higher. With the new changes, and I'll take you through individually in a second, the new portfolio is also cheaper in investment fees. So you're currently paying 851 for the year in investment fees for the current portfolio.","start_word":1234,"end_word":1382,"sentiment":"neutral","sentiment_score":0.13346989452838898},{"text":"The newer portfolio I'm recommending saves you about $284 in investment fees there. So that outweighs the CGT cost of making the switch and makes the portfolio cheaper for you long term as well. I also noted that because of the difference in balance, obviously, our ongoing adviser fee is reduced a little bit as well, expected to save you about $65 for the year.","start_word":1383,"end_word":1447,"sentiment":"positive","sentiment_score":0.5583430528640747},{"text":"And then I have made a recommendation on insurances to factor in as well. That does mean the insurance cost expected is to be a little bit higher. The other thing I sort of look at and factor in is how the portfolios have been performing. So you're currently in that high growth environment wanting to take a bit more risk in the market to get those greater potential returns. The newer portfolio has averaged about 9.77% on a yearly basis over the past five years, whereas the new portfolio has averaged about 11.33%.","start_word":1448,"end_word":1541,"sentiment":"neutral","sentiment_score":0.18420052528381348},{"text":"So when we take into account switching the investments to CGT costs, the reduction investment fees, and how the the newer portfolio has performed in the past, we can see as per the projection table below that it's expected to put you in a greater position over the next five to ten years, which is really good and important.","start_word":1542,"end_word":1600,"sentiment":"positive","sentiment_score":0.5589232444763184},{"text":"Okay? Mhmm. Do Yep. you have any questions so far? No. No?","start_word":1601,"end_word":1612,"sentiment":"neutral","sentiment_score":0.06421710550785065},{"text":"Beautiful.","start_word":1613,"end_word":1613,"sentiment":"positive","sentiment_score":0.34774458408355713},{"text":"If you scroll further down there for me to page number 20, this is the switch of the investment. 20. Yeah. Yeah. Okay. You're right.","start_word":1614,"end_word":1638,"sentiment":"neutral","sentiment_score":0.12779684364795685},{"text":"Beautiful.","start_word":1639,"end_word":1639,"sentiment":"positive","sentiment_score":0.5627766847610474},{"text":"Yep. So on here, we've got the table noting all the different investments and how you are invested within your super fund currently. So, essentially, in order to make the changes, we have all the investments noted here. The red and the green is what we're gonna be selling down and buying. And then the last two columns, your target waiting and target balance is where we see your balance once once the switch has been completed. So, essentially, we are gonna sell off all the battery and lithium tax, remove the ban along Australian equities as it's been underperforming, remove the bank hybrids as they are being phased out down the track there as well, and the China new economy will be completely gone there as well. We are gonna keep the physical gold that has been performing well, but you're a bit overweighted there at the moment. So we just wanna sell some of the gains and submit those and then have that redistributed the compounding into your portfolio. We've also got the cybersecurity there. So you're a bit overweighted at the moment. We're gonna sell a little bit of that off to bring you back to 7%. It's a bit of a rebalance there as well. The S and P 500, you've got about 34.10%, so we only really wanna hold about 25% in the portfolio. So we're gonna sell some of that off and just rebalance you back to 25%.","start_word":1640,"end_word":1883,"sentiment":"neutral","sentiment_score":0.016530106576984047},{"text":"The Van Ness property property has been a little bit of a dip, especially since the changes have come into play where it's been underperforming in your portfolio as well.","start_word":1884,"end_word":1913,"sentiment":"negative","sentiment_score":-0.37696418166160583},{"text":"So we're removing that completely. We've also got the a beta shares Raffy two hundred. We found a much cheaper way to hold Australian equities, so we are removing this from the portfolio completely as well. What we're gonna be adding into sorry. The Raffy. My apologies. I'm looking at the wrong line. We're gonna get a whole 50%. We're keeping some of that in there. Sorry, Bianca. I'm looking at the wrong Yes, sir. line. We're gonna keep some of the raffy in there for you. We are kinda gonna get rid of just sell it off to rebalance a little bit back there for you, but we do wanna hold Australian equities, and we found a much cheaper way to hold more Australian equities. We're going to add in there the India Quality ETF. We wanna hold about 7% weighting in there.","start_word":1914,"end_word":2057,"sentiment":"neutral","sentiment_score":-0.000011930475011467934},{"text":"India is a rally a really good place to see growth.","start_word":2058,"end_word":2068,"sentiment":"positive","sentiment_score":0.75200355052948},{"text":"And then we've also seen the got the Global X Healthcare. This is Global Healthcare, so giving you exposure to health care across the globe, essentially. And then as I mentioned before, we're getting rid of the ban along Australian equities and rebalancing the Raffy back a little bit, but we're also gonna hold the a 200. So between the Australia 200 and the Raffy 200, we're giving you exposure to about a bit over 25% in Australian equities there.","start_word":2069,"end_word":2148,"sentiment":"neutral","sentiment_score":0.10223206132650375},{"text":"So you do wanna hold as much as we can, but it's making sure that you've got a good weighting, and it's actually increasing your diversification into Australian equities as well whilst reducing the cost of the portfolio.","start_word":2149,"end_word":2186,"sentiment":"positive","sentiment_score":0.3818444311618805},{"text":"So we'll buy into the a 200 there, and you'll hold about 10% of that and then 15% of the a 200 portfolio. Because you are realistically younger and can can sustain a little bit of more risk in the portfolio, I've also included the JPMorgan Global Research Enhanced Equity Fund. This here is more of an actively managed fund, so it utilizes JPMorgan's research team to look for areas of growth. It is a cheap fund to have, but it does give you a little bit of active management in there as well. And it's global, so it's well diversified, and it's not an Mhmm. expensive fund to hold as well. So we do wanna hold about 15% of that in your portfolio. We'll keep to monitor that moving forward. And if we find it's not performing the way we hoped it would, we'll look to swap it out.","start_word":2187,"end_word":2336,"sentiment":"neutral","sentiment_score":0.13654334843158722},{"text":"But this year, it has done really, really well, and JPMorgan's research team is one of the biggest in the globe. So it is well worth having a little bit of exposure into that for you.","start_word":2337,"end_word":2372,"sentiment":"positive","sentiment_score":0.5244945883750916},{"text":"And then we've also got the core composite bonds there. So we are removing the bank hybrids out of the portfolio. We still wanna hold some defensive assets. When you're in that high growth environment, we still wanna hold around about 10%. We do hold roughly 10%, but we have a variance of about 5% in our portfolio. So we're only gonna only gonna hold 7% of this investment, making sure that we're still having defensive assets, but making sure that you do, you know, have a good quality of growth assets within your portfolio as well to obtain greater growth. This is in a high growth environment, so we'll keep monitoring it to make sure that it is working harder for you. If at any point any of these starts to underperform, we'll look to move them out nice and quick. But, essentially, once that switch has been made, you'll essentially see some physical gold, the cybersecurity. You'll have access to the S and P 500 and Australian equities. We'll see some India exposures in health care and that JPMorgan Global retouched enhanced Equity Fund in there and then some defensive assets like bonds in there as well. So that's essentially the changes that we do wanna make to the portfolio. Do you have any questions about that? No. No. It don't No. make sense. Yep.","start_word":2373,"end_word":2599,"sentiment":"neutral","sentiment_score":0.06702166060519113},{"text":"Beautiful. Excellent.","start_word":2600,"end_word":2601,"sentiment":"positive","sentiment_score":0.4777985811233521},{"text":"The next page, it does have your cash account there. So at the moment, within Hub twenty four, we only really need to hold about 1.25% cash. That's their minimum cash holding. We you currently have about 1.80%. So we are gonna Yep. take about a thousand of that and reinvest it. Realistically, it costs you money to have money sitting in cash. So we we just wanna make sure as much of your portfolio is invested as absolutely possible and just hold the minimum cash balance there for you. That is essentially how we'll see the waiting. If you look at the next page down, it essentially shows you the proposed versus the current asset allocation. So generally speaking, as I mentioned, in that high growth environment, you have that ninety ten split. With what we've proposed with the investments, you're gonna see about 93 in growth assets, so Australian and international equities property and alternative growth assets like gold, and then just about 7% in those fixed interest low risk investments like bonds. So that's essentially how we'll see that split changing. It is increasing your growth exposure from where you currently are. You're a little bit under that 92.60, and you have about 7.40% in defensive assets at the moment. So it is increasing that exposure into growth assets a little bit and decreasing your defensive exposure, but we'll keep monitoring that. If you do find at any point that you're a bit unsure about being in that high growth portfolio or you are a bit concerned about the markets, please let me know. More than happy to talk you short and or reassess your risk profile at any point in time. One of the biggest things is it's fine to be in a high growth environment at your agent stage, but it's also gotta be to your comfort level as well. And we can always you know, if we start to reduce the risk, look at maybe increasing contributions down the track to kinda mitigate the the risk reduction as well. Okay? Yep.","start_word":2602,"end_word":2948,"sentiment":"neutral","sentiment_score":0.07468329595471665},{"text":"Excellent.","start_word":2949,"end_word":2949,"sentiment":"positive","sentiment_score":0.41540759801864624},{"text":"Do you have any questions so far at all? No. No. It don't No? make sense. Easy. If you move down to page number 23, the next thing that we were looking at was the insurance side of things for you. So as I kinda went through the insurance side of things for you. So as I kinda went through the projection table above, we also talked about last time looking at adding some income protection. Initial the initial recommendation was we were gonna start by increasing your life and TPD, but we started this call to sort of hold back on the life and TPD, keep it at the same level that you do have. With your Yep. life and total permanent disability, you currently have a sum insured of 863,258. You mentioned that you were comfortable with me just adding that income protection to show you what that would look like, and then you get to go back and decide whether you want the income protection or not. Yep. Based on your current income at a 165,000, It means we would be adding income protection to give you a monthly benefit of 9,625. We're looking at a thirty day waiting period, so you don't have to be off work for as long in order to claim on the policy.","start_word":2950,"end_word":3170,"sentiment":"neutral","sentiment_score":0.0664857282088353},{"text":"But last time we called up, you were happy just a two year benefit knowing what you do for work and mostly administration. You did kinda feel that was fairly appropriate.","start_word":3171,"end_word":3201,"sentiment":"positive","sentiment_score":0.46197086572647095},{"text":"Do you still feel like that benefit period's fairly appropriate? Has anything changed in your mind with regard to that? Does that mean that's how long they pay your income for? Is that what that means? That's, yeah, that's how long you can Okay. be on an income protection claim for. Okay. Realistically, under sort of the way it works, most claims are dealt with within that two year period. As you can imagine, insurers don't really wanna be paying claims for a long period None. of time. So when and Yep. if you are off work, they're gonna be trying to find ways for you to get back to work. You can Yep. also have a five year benefit period. It does increase the cost of the cover, and you can have an age 65 benefit period as well.","start_word":3202,"end_word":3341,"sentiment":"neutral","sentiment_score":0.05501127988100052},{"text":"So if you did wanna look at those additional quotes, I'm happy to generate them for you.","start_word":3342,"end_word":3358,"sentiment":"positive","sentiment_score":0.38185256719589233},{"text":"It's not a problem. It's just that when we spoke last time, you were okay with a two year benefit period to try and keep the cost lower. We also talked about the Yes. risk of something happened being an admin worth out, same as me. We can realistically work from home as well. So the risk Yes. of, you know, something happening to us would have to be pretty drastic to be able to make that claim there. But has anything changed with regard to that? Do you sort of feel that that's fairly still appropriate? Or No. No. That's yeah. that's just That's yeah. fine. That Yeah. that's okay.","start_word":3359,"end_word":3469,"sentiment":"neutral","sentiment_score":0.06581117957830429},{"text":"All good.","start_word":3470,"end_word":3471,"sentiment":"positive","sentiment_score":0.3812757432460785},{"text":"At the moment, the total premium paid out of Super four year policy, you paid $431. 83 for the year by adding the income protection. And we're adding it with MetLife because we're attaching it to your current life and TPD policy, which means that we do get a discount. We get a multi policy discount for linking them. And it essentially Mhmm. means that it would increase your total premium to $1,467.24. That is the amount that's taken out of super for that for the year. You the insurer actually receives the $1,726.17. But because of the way taxation is in super, you get a rebate or a bit of a discount for the premium when it is taken out of the super system.","start_word":3472,"end_word":3595,"sentiment":"neutral","sentiment_score":0.2041257321834564},{"text":"So you actually pay a little bit less to that, 15% less for the premium than what the insurer receives, which is great.","start_word":3596,"end_word":3618,"sentiment":"positive","sentiment_score":0.3882292509078979},{"text":"It would be great if we got those kinds of discounts all the time.","start_word":3619,"end_word":3632,"sentiment":"neutral","sentiment_score":0.32675379514694214},{"text":"Unfortunately, it's just the super.","start_word":3633,"end_word":3637,"sentiment":"negative","sentiment_score":-0.42992550134658813},{"text":"Yep. So So that's just, Yeah. Sure. monthly benefit. So currently, my premium, which is just the PPD Mhmm. A lice NTBD. am I saying sorry. Life and PPD Yeah. Yeah. is $5.00 8 a year. Is that what we're saying? That's how, yeah, that's how much the insurer has received. The amount that's come out of super is the $4.31. You get a 15 Okay. percent discount on that. So you pay a little bit less for the premium. And then And then if you the yep. life sorry. The the income Yep. insurance Yep. is the 1,160 Yep. as stand Yep. alone. And then, obviously, just adding them together to get to the one Correct. 467. Yep. Yeah. Okay. Yep. Yep. Yeah. Okay. So what that's Yeah. 1,100 across the year. I'll have Yeah. a think and see what I Yeah. do with yeah. Absolutely. In the appendices that we have attached, as I mentioned last time, I also added the alternative projection to show, obviously, the projected outcome if you decide not to take the income protection side of things, because one of the things we talked about was whether you felt like you needed income protection at the time. Yeah. With the with the ten year projection, obviously, it shows in the SOA there on page 18 that over the next ten years, given the current projection table, you could end up with $3.71 in five years' time or 623,000 in ten years' time. With not taking the income protection, if you decide you don't need that anymore, then, obviously, the projection is increased by a difference of about 14,398. So over the course of ten years, we're still moving into the newer portfolio and making the other changes but not taking income protection. The ten year premium projection means you could end up with about 637,000. So it's a little over $14,000 difference in the ten year projected outcome, but it also comes down to your comfort level as well.","start_word":3638,"end_word":3972,"sentiment":"neutral","sentiment_score":0.017657227085819883},{"text":"So you're welcome to Yes. run your eyes over that. Have a think about what your goals are and what your level what your comfort level is.","start_word":3973,"end_word":3999,"sentiment":"positive","sentiment_score":0.3647446036338806},{"text":"And if you decide you don't want the income protection, that's absolutely fine. On the very last page, we've got that little multiline text box for you. You can just make a note in there that outlines what you are not wanting to take on board as part of the recommendations. Okay? Yep.","start_word":4000,"end_word":4052,"sentiment":"neutral","sentiment_score":-0.0002783805539365858},{"text":"Excellent.","start_word":4053,"end_word":4053,"sentiment":"positive","sentiment_score":0.5595975518226624},{"text":"Essentially, keeping it with MetLife is appropriate because, obviously, you get a bit of a discount when you link all the policies together. MetLife also has some additional other benefits there, so I'm not really sure if you're aware. But as you still you do have life and TBD with MetLife.","start_word":4054,"end_word":4104,"sentiment":"neutral","sentiment_score":0.263060063123703},{"text":"You do have access to the MetLife three sixty health. That's at no additional cost to yourself, and it provides virtual access to a range of health and well-being services to you and your family members.","start_word":4105,"end_word":4140,"sentiment":"positive","sentiment_score":0.4442922174930573},{"text":"These include things like mental health support, expert medical opinions, nutrition, fitness, and mobility, and recovery. If you have a look in the PDF that I have attached there for you, it outlines a bit more about the MetLife three sixty health platform and what that can help you with.","start_word":4141,"end_word":4190,"sentiment":"neutral","sentiment_score":0.2723836600780487},{"text":"And because you've got that life and TPD with MetLife, even if you don't take the income protection side of things, you still got access to that benefit.","start_word":4191,"end_word":4218,"sentiment":"positive","sentiment_score":0.4026225805282593},{"text":"So have a look in the PDF there as to what kind of benefits that they offer.","start_word":4219,"end_word":4235,"sentiment":"neutral","sentiment_score":0.3145934045314789},{"text":"You might be able to get some, you know, free nutritional fitness mobility, you know, clinical support from doctors and things like that as well.","start_word":4236,"end_word":4260,"sentiment":"positive","sentiment_score":0.38570085167884827},{"text":"Okay?","start_word":4261,"end_word":4261,"sentiment":"neutral","sentiment_score":0.2528095543384552},{"text":"Yeah. Excellent.","start_word":4262,"end_word":4263,"sentiment":"positive","sentiment_score":0.553182065486908},{"text":"If you scroll down a little bit further for me just to, sorry, page number 30, this is essentially going through the next part of the recommendations with the insurances. So the other side of it was looking at trauma Mhmm. for yourself and then child trauma for the two kids, Yep. looking at around about a 120,000 of trauma for yourself paid out of pocket, and then making sure that the kids had a 100,000 of child trauma age as well to make sure that they were covered. I did review the last recommendation with the newer policies. I'm still recommending Clearview for that solely because Clearview is still a really good policy provider. MetLife don't offer child trauma policies. They have, like, an optional extras policy, but it's not child trauma as such. So we did have to look elsewhere to make sure that you could have those set policies. For Oliver and Parker, we're looking at the same as last time. I am also recommending that we add a little bit of life cover to the trauma policy. Essentially, it does work out a lot cheaper to link the policies together. You get that multi policy discount side of things. So by linking the trauma and the the life together, it essentially shows the monthly premium expected is $28.71 there. If we just looked at the trauma policy and the child trauma on its own without the additional sorry. I'm just gonna add these two together because it's $17.26 and $28. 71 to include all the policies. So for the child trauma policies and the life and trauma for yourself, the two policies added together, it's $45.97. If we did not link the life policy to that, the out of pocket premium for your adult cover plus the child trauma policies was about $54.43. So it worked out cheaper to link a little bit of life cover to it. But then, also, Mhmm. one of the benefits to having that life cover outside of SUFA is you do get that funeral benefit as well. So if in the event that you were to pass away with just having that life cover held inside super, there's no upfront kind of immediate expenses for funeral costs that can be paid out. Your family has to go through the claims process to have the money released, Whereas having this little Yes. bit of insurance or life cover outside of super means that once the the death certificate is provided, your family or your executor of your will can go and claim, or the beneficiary, you know, whoever you sort of nominated can go and claim that 25,000 from Clearview as an upfront cost to cover your to your funeral, sorry, and any immediate expenses that are sort of brought up as due to the your passing or related to the kids around those sorts of areas.","start_word":4264,"end_word":4748,"sentiment":"neutral","sentiment_score":0.07245053865553178},{"text":"So it does provide you with that benefit that you don't get with having that life cover inside super, but it's also making the total policies cheaper between the three of them by giving you that multi policy discount there as well.","start_word":4749,"end_word":4790,"sentiment":"positive","sentiment_score":0.34666165709495544},{"text":"Again, this is sort of showing you how it works. In the appendices, I've also got a breakdown of just stand alone trauma policy with the child trauma there just so you can see the difference and you get to decide what's more comfortable for you. Okay?","start_word":4791,"end_word":4837,"sentiment":"neutral","sentiment_score":0.17717918753623962},{"text":"Cool. Excellent.","start_word":4838,"end_word":4839,"sentiment":"positive","sentiment_score":0.6043606400489807},{"text":"That is essentially most of the recommendations around it around that we've made. You've got the advantages, disadvantages, the risks involved.","start_word":4840,"end_word":4860,"sentiment":"neutral","sentiment_score":0.2339216321706772},{"text":"I've also noted the best interest, Judy, and linked all of this back to your goals as well. So you're welcome to have a bit of a read through.","start_word":4861,"end_word":4889,"sentiment":"positive","sentiment_score":0.4019580781459808},{"text":"The only other And thing to kinda sorry, Dana? yes. Yeah. Sure. With the children, is it Yes. per child, or is it both It a nominator is. on it? No. No. It's a 100,000 per child. Yeah. Okay. So the 17 covers both, or I it's 17 times two. No? Yeah. No. It's it's 17 covers both. It's a monthly premium Okay. for the two child trauma policies. Yeah. Yeah. Okay. Yeah. Sorry. Yeah.","start_word":4890,"end_word":4964,"sentiment":"neutral","sentiment_score":0.00533128123730421},{"text":"Keep Nice.","start_word":4965,"end_word":4966,"sentiment":"positive","sentiment_score":0.4302799105644226},{"text":"going. No.","start_word":4967,"end_word":4968,"sentiment":"neutral","sentiment_score":0.2111538052558899},{"text":"You're absolutely fine. It's absolutely fine.","start_word":4969,"end_word":4974,"sentiment":"positive","sentiment_score":0.4481755197048187},{"text":"It just it's the way Cleave you kinda notice it, but it is just a $17.26 per month for that one.","start_word":4975,"end_word":4995,"sentiment":"neutral","sentiment_score":0.2075481414794922},{"text":"And then the same as last time, like, with these policies, the best thing about them is that you're making or setting them up while they're young.","start_word":4996,"end_word":5022,"sentiment":"positive","sentiment_score":0.3757425546646118},{"text":"So when they do turn 21, the policies revert to adult life policies, and they've had these policies in place.","start_word":5023,"end_word":5042,"sentiment":"neutral","sentiment_score":0.30867114663124084},{"text":"So any additional there's no additional underwriting for the transfer of these policies to their name when they're older, which is kind of cool. It just sort of protects them in the event that something happens. And it also pays out a lump sum benefit of the funds if they pass away as well.","start_word":5043,"end_word":5096,"sentiment":"positive","sentiment_score":0.36851397156715393},{"text":"So child trauma pays out in the event of a major traumatic condition, but if they pass away, you can also claim on that policy as well. So it kinda gives you a little bit of extra cover Okay. for a very small out of pocket cost, essentially. Yep. Yeah. Yeah.","start_word":5097,"end_word":5147,"sentiment":"neutral","sentiment_score":0.23735596239566803},{"text":"All good.","start_word":5148,"end_word":5149,"sentiment":"positive","sentiment_score":0.5232087969779968},{"text":"The other side of that is just the beneficiary side. So we did make that we did talk about how you wanted in the event of passing, essentially, the funds to be paid directly to your two kids. I've updated the beneficiary recommendations to the legal personal representative on your super, the MetLife life policy, and also the new recommended Clearview life policy as well, which essentially means that in the event that you were to pass away, all of the having this updated means that all of the super and life insurance proceeds are directed through your will. And then it's just really important that your will is done up, and that is stipulated in the body of the will, how you would like those funds to be paid so they are paid to your kids. One of the biggest things is because they are so young, the funds are not paid directly to the minor children. They're paid to their guardian. So having it directed through your will means that you can have, you know, trust set up. You can have stipulations made on who the money goes to, whether you want, you know, more than one person to be the guardian of the funds and pay the funds out in certain ways, income streams as they get older, or if you wanna pay to a certain adult to make sure the kids do receive the funds and can, you know, cover school costs, the university costs, and things like that as well. So it does give you a lot more clarity and control over how you want those funds to be paid. So I did update that recommendation to reflect to make sure that any any of your life and super proceeds are paid direct to your will. And then it's just important to have a solicitor review your will, power of attorney, and probably guardianship documents as well just to make sure that everything is set as per your wishes. And that's something we've definitely talked about in the past where, you know, you're like me, our kids are everything, and we just wanna make sure that they are looked after and protected. And you work well and truly way too hard to have that money wasted away and not directed Yes. to where Center. you want it to be, essentially. Yeah. Especially after the day, it seems like you've had. Oh my goodness. I know. No. It's all good. Look. A lot of this is very much the same as what I recommended last time. I did go back and review everything to make sure it was on par. Mhmm. MetLife, with the income protection linking, it did definitely cost a lot less than, say, having it done through ClearView.","start_word":5150,"end_word":5614,"sentiment":"neutral","sentiment_score":0.13782186065950702},{"text":"And MetLife are a really good provider of insurances.","start_word":5615,"end_word":5623,"sentiment":"positive","sentiment_score":0.43244874477386475},{"text":"So feel free to run your eyes over that. Have a read through the advantages, the disadvantages, and, obviously, the best interest duty. If you find you have any questions, you're welcome to let me know by phone call or email.","start_word":5624,"end_word":5664,"sentiment":"neutral","sentiment_score":0.2225780312607928},{"text":"I'll happily answer anything that you have.","start_word":5665,"end_word":5671,"sentiment":"positive","sentiment_score":0.6103845238685608},{"text":"On the very last page there, we do have the text box, the multiline text box that outlines essentially, if there's any part of the recommendations that you're choosing not to take on board to absolutely make a note in there, and we review that Okay. for you as part of it. And I've also got depending on how much reading you enjoy doing, I've got the MetLife PDF for you, the HUB24 PDF, and the Clearview PDF as well. So you're welcome to, you know, run your eyes over that, have a look at the different conditions that I covered, have a look at the different, you know, exclusions and policy information around each of the different policies to sort of get your head around it. And feel free to come Yep. back and let me know if there's any additional questions there.","start_word":5672,"end_word":5815,"sentiment":"neutral","sentiment_score":0.20466433465480804},{"text":"Sounds good. Okay? Excellent.","start_word":5816,"end_word":5819,"sentiment":"positive","sentiment_score":0.5658224821090698},{"text":"I try to keep it not too crazy because it's a lot to kinda go through when you're sort of looking at the documents. So I like to just make sure that you get the information that you need, and then you get to take it back and have a bit of a read of it, have a a glass of wine or a nice hot coffee or whatever your poison might be, Yes.","start_word":5820,"end_word":5893,"sentiment":"neutral","sentiment_score":0.2782796323299408},{"text":"and just sort of sit back and have a really good read of the document.","start_word":5894,"end_word":5908,"sentiment":"positive","sentiment_score":0.4912817478179931},{"text":"I do also just have to let you know before we sort of end the phone call that we do receive remuneration from the insurers for recommending and writing these insurance policies. It is really important to note that that has no effect on my recommendations in any way, shape, or form. We provide advice under the best interest duty, which is part of the corporations act.","start_word":5909,"end_word":5975,"sentiment":"neutral","sentiment_score":0.12877467274665833},{"text":"So any advice is there to meet your goals and be in your best interest.","start_word":5976,"end_word":5990,"sentiment":"positive","sentiment_score":0.36062490940093994},{"text":"Under the legislation with regard to remuneration, we do receive 56% of the first year's premium and then 22% there ongoing, but we have a duty to disclose that to you. That is noted in the advice document on page 44 as well and 45 so you can see how much we are expected to receive based on that. But we will review things, and if you decide you don't wish to take on any of that, that's absolutely fine. We're just disclosing everything to make sure that we're open and honest with you in regard to it. Okay? Yeah.","start_word":5991,"end_word":6090,"sentiment":"neutral","sentiment_score":0.03122710809111595},{"text":"Perfect. That makes sense. Excellent. Fantastic.","start_word":6091,"end_word":6096,"sentiment":"positive","sentiment_score":0.6442953944206238},{"text":"Okay. I'll If go you through just I'm a bit of a printer. yeah. I'll think Yeah. that it You're worked fine. tomorrow and go through You like and a hug? yeah. Yeah. Yeah. I like Absolutely. a hard copy. And then, Not yeah, a I'll problem. come back to you with that. Yeah.","start_word":6097,"end_word":6150,"sentiment":"neutral","sentiment_score":0.1210085302591324},{"text":"Excellent. No problem at all. That's basically everything. I hope you have a lovely afternoon, and, yeah, just come back Thank if there's you.","start_word":6151,"end_word":6174,"sentiment":"positive","sentiment_score":0.5974774956703186},{"text":"any questions at all.","start_word":6175,"end_word":6178,"sentiment":"neutral","sentiment_score":0.2597527503967285},{"text":"Easy. Okay. Thanks, Dana. My pleasure. Thank you for your time this afternoon. I hope you have a good afternoon. Thank you. You too. Bye. Thanks, Bianca. See you later.","start_word":6179,"end_word":6208,"sentiment":"positive","sentiment_score":0.6515505313873291},{"text":"Bye.","start_word":6209,"end_word":6209,"sentiment":"neutral","sentiment_score":0.2477833479642868}],"average":{"sentiment":"neutral","sentiment_score":0.1358918465049492}}}}